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Fintech 3.0 marks the shift from banks to blockchain In collaboration with @monad, @FronteraEC & @EspacioCripto, we’re publishing our deep research report: Fintech 3.0: The Great Platform Shift in Mexico A deep dive into how crypto is becoming the new rail of finance ↓

SPEI low-value transfers have grown from 110M transactions in 2015 to over 4B in 2024, a 49.2% CAGR in volume and 33.6% in value. Mexico already has one of the world's most advanced real-time payment systems. Now imagine what happens when you layer stablecoin rails on top. 📊 fintech3.bando.cool/feb25-x2

Building at the intersection of stablecoins and emerging markets requires more than just technology, it takes deep local understanding and the ability to ship real products. @rparekh is featured in our Fintech 3.0: The Great Platform Shift in Mexico report. 🗣️ fintech3.bando.cool/feb25-x

@nubank @Bitso @Revolut @getdolarapp These pages are derived from our Fintech 3.0 report. Download your copy to learn more ↓ fintech3.bando.cool/feb24-x2

Who is positioned to win as Fintech 3.0 accelerates? @nubank is testing stablecoin settlement. @Bitso Business processed $12B in 2024. @Revolut just got its Mexican banking license. @getdolarapp hit 1M+ users without ever saying the word "crypto." The market's most influential players are already reorganizing around onchain rails. Here's where it's all heading ↓

With 70+ local payment rails integrated across 14 Latin American countries, 4M transactions processed, and 120,000 active users, @eldoradoio is redefining what money movement looks like. @eldoradoio is featured in our Fintech 3.0: The Great Platform Shift in Mexico report. 🗣️ fintech3.bando.cool/feb24-x

This infographic is derived from our Fintech 3.0 report. Download your copy below to learn more ↓ fintech3.bando.cool/feb19-x

If you’ve been wondering what Fintech 3.0 looks like in the real world, start here: crypto neobanks, stablecoin cards, and native wallets pushing the next UX baseline.

.@ether_fi went from basically zero to $135M+ in total spend volume processed in 2025, proving that Fintech 3.0 infrastructure is already turning DeFi balances into real-world payments at scale. 📊 fintech3.bando.cool/feb18-x2

Stablecoins are what global payments look like when you strip away legacy friction and rebuild for modern times. @vogelito is featured in our Fintech 3.0: The Great Platform Shift in Mexico report. 🗣️ fintech3.bando.cool/feb18-x

These pages are derived from our Fintech 3.0 report. Download your copy to learn more ↓ fintech3.bando.cool/feb17-x2

The most practical way to understand how Fintech 3.0 upgrades financial products is to look at the categories that have already given rise to a new class of competitors.  Crypto Neobanks, Stablecoin Cards, and Native Web3 Wallets are delivering experiences that traditional fintechs simply cannot match. They already have proven user demand, clear product-market fit, and a superior experience defined by faster settlement, global usability, dollar stability, and programmable capabilities.

With more than 9M retail users and over 1,900 institutional clients, Bitso has become one of the region’s most influential financial players, and a clear example of how crypto-native companies can use modern rails to expand outside their initial product category. @Bitso is featured in our Fintech 3.0: The Great Platform Shift in Mexico report. 🗣️ fintech3.bando.cool/feb17-x

This infographic is derived from our Fintech 3.0 report. Download your copy below to learn more ↓ fintech3.bando.cool/feb12-x

Fintech 3.0 upgrades how money moves at the product level, rewiring core processes for 10x improvements in speed and cost. Here are the use cases it transforms ↓

Few people realize that over the last five years, the Mexican peso has appreciated more than 10% against the U.S. dollar, backed by tight monetary policy and Mexico’s rising importance in North American supply chains. 📊 fintech3.bando.cool/feb11-x2

Once a new technology enables an experience that is orders of magnitude better (faster, cheaper, more programmable), the market inevitably moves towards it. @zcabrams is featured in our Fintech 3.0: The Great Platform Shift in Mexico report. 🗣️ fintech3.bando.cool/feb11-x

These pages are derived from our Fintech 3.0 report. Download your copy to learn more ↓ fintech3.bando.cool/feb10-x

You already see Fintech 3.0 at work every day. In savings that actually preserve value. In cross-border payments that settle in seconds. In treasuries that move globally. In credit that flows across borders. And in markets that price information in real time. These are the use cases where the shift is already happening, and where the next generation of fintech in Mexico is being built.

This infographic is derived from our Fintech 3.0 report. Download your copy below to learn more ↓ fintech3.bando.cool/feb5-x

The transition to Fintech 3.0 becomes even clearer when we look at Mexico, a market with the ideal conditions for new rails to take over.