Top 10 Crypto Neobank Coins to Watch in June 2026
$4.19B across 10 projects. Card transaction volume: $379M/month and rising. The neobank narrative is here to grow.
Core Insights
In 2026, neobanks are gaining traction due to improved blockchain infrastructure, high stablecoin transaction volumes, and user demand for better savings and seamless global payments. The article ranks leading crypto neobank tokens, highlights key risks, and notes that the category's future hinges on real payment volume and verifiable self-custody.What is a Crypto Neobank?
A crypto neobank is a mobile-first financial app that delivers banking features on top of on-chain assets. Earn yield, spend through a card, borrow against holdings, and move stablecoins.
The key architectural distinction: the onchain version keeps assets self-custodial. The user holds the keys while the app handles the banking experience around them. This matters because it means neobank users are not trusting a bank with their money. They are trusting code.
Unlike Web2 neobanks (Revolut, Monzo), Web3 neobanks emphasize transparency, removal of intermediaries, and cross-chain connectivity.
Why is the neobank narrative popular in 2026?
The market infrastructure is ready. Monthly stablecoin settlement volume surpassed $1.1 trillion in 2025, exceeding Visa and Mastercard combined. Onchain transaction volume is forecast to reach $100 trillion by 2030.
Web3 neobanks are the usability layer. They abstract gas fees, private keys, cross-L2 mechanics, and bridge complexity behind interfaces that look like banking apps. The target user is not only DeFi native but someone who wants a higher savings rate and a card that works at any merchant.
The global neobanking market was $148.93B in 2024 and is projected to grow at a 40.29% CAGR, reaching $4.4 trillion by 2034, according to Precedence Research. Web3 neobanks are a small fraction of that today. Physical card transaction volume from Web3 neobank projects hit a record $379M/month, per Dune Analytics.
What Are the Top Crypto Neobank Tokens in June 2026?
These tokens are categorized under the neobank narrative, ranked by market cap when available, then by relevance.
1. Mantle ($MNT)
Category: Large-cap. L2 infrastructure with neobank ambitions.
Mantle (MNT) is an Ethereum Layer-2 that has taken a structurally different path from most L2s. Where others compete on transaction fees and EVM compatibility, Mantle is building a full financial stack on its chain.
Mantle became one of the first L2s to bring tokenized equities onchain through an xStocks and Bybit integration. They lead the neobank category by market cap at $3.31B. The MNT token is the network's gas and governance token. Its neobank play is strategic positioning. The bet is that if the best financial apps build on Mantle, MNT accrues value from that activity.
Key risk: The L2 market is competitive, and Mantle is not the execution layer leader. Its neobank thesis depends on product adoption that has yet to materialize at scale.
2. ether.fi ($ETHFI)
Category: Large-cap. Liquid restaking protocol turned neobank.
ether.fi started as a liquid restaking protocol and expanded into a consumer product stack. It now operates a cash account, a debit card, and a yield product, making it one of the few projects in the category with an existing user base before the neobank pivot.
The ETHFI token ties to a protocol that already routes real yield. That is the core differentiation: the neobank narrative here is built on a working protocol, not on speculation. CEO Mike Silagadze has been one of the most vocal proponents of the thesis that Ethereum's next phase of adoption runs on usable financial products.
Key risk: Liquid restaking dynamics expose ETHFI to Ethereum price action and staking yield compression. The neobank products have to scale fast enough to diversify revenue away from protocol yield.
3. Plasma ($XPL)
Category: Mid-cap. Stablecoin-native L1 with an embedded neobank product.
Plasma is building what it calls a global settlement layer for stablecoins on a Bitcoin-anchored Layer-1 network. It launched its mainnet and XPL token in September 2025, following a $50M raise and $373M in oversubscribed commitments.
The neobank play is Plasma One, a stablecoin-native card and account targeting regions with high existing stablecoin penetration, starting with the Middle East. The product uses a Paymaster system for gas abstraction, meaning users pay fees in USDT rather than managing a separate gas token.
By April 2026, Plasma ranked 8th by TVL at $1.76B, surpassing Hyperliquid. It attracted $27B in USDT0 inflows and partnered with Tether, ether.fi, and the Hadron RWA tokenization platform.
Key risk: A major token unlock hits July 28, 2026: 1 billion XPL (10% of supply) from the public sale becomes liquid.
A further 2.5B tokens unlock for the team and investors. XPL has already fallen ~92% from its September 2025 ATH of $1.52. The TVL/market-cap ratio is high, which bulls argue signals undervaluation. Bears are watching the unlock.
4. useTria ($TRIA)
Category: Mid-cap. Multi-chain self-custodial neobank with live product.
Tria is a self-custodial crypto neobank built on cross-chain execution infrastructure. It abstracts gas fees, seed phrases, and cross-chain complexity behind a Visa card and banking interface that works across 200+ blockchains.
The data that set Tria apart from most of this category: $100M in card transaction volume in the first 4 months, $20M in ARR, 250,000 users, and active government pilots with the UN and the UAE.
The proprietary BestPath routing engine automates cross-chain transactions in real time, finding optimal paths for payments and swaps. The TRIA token (ERC-20, 10B total supply) functions as the utility and governance asset. It is used to settle BestPath transactions, stake for PathFinder nodes to earn routing fees, and subsidize gas costs.
Key risk: $100M in volume is impressive for a closed beta. Scaling that to the point where routing fee revenue supports TRIA token demand is a different order of magnitude. Token unlock schedules (2-month cliff, 6-month linear) mean new supply enters as the product scales.
5. THORWallet ($TITN)
Category: Small-mid cap. THORChain-native neobank with Swiss banking integration.
THORWallet positions itself as a "Web3 neobank" merging DeFi with Swiss-regulated banking infrastructure. It connects to THORChain and NEAR Intents for native cross-chain swaps across assets, including BTC, ETH, and USDT, without wrapping or bridging.
Key risk: THORWallet has real infrastructure in the THORChain ecosystem and a real card product, but TITN liquidity on major CEXs remains thin. Mainstream usability depends on card volume that has not yet been publicly reported at scale.
THORChain itself has experienced periods of stress due to liquidity imbalances. TITN is correlated to that ecosystem's health.
6. Gnosis ($GNO)
Category: Mid-cap. Self-custodial Visa card. The most technically mature product in the category.
Gnosis Pay is the most production-ready product on this list. GNO powers a self-custodial Visa card on the Gnosis Chain via Safe Smart Accounts.
Key risk: Cashback paid in GNO means the reward value is denominated in a volatile token. GNO dropped 10% in 2025, which eroded the cashback value for many users. This is the structural trade-off the product requires users to accept.
7. Lorenzo Protocol (BANK)
Category: Small cap. Bitcoin staking and onchain yield infrastructure with neobank-adjacent positioning.
Lorenzo Protocol is not a consumer neobank product like Gnosis Pay or Tria. It is the infrastructure that enables the yield layer underneath neobanks. Its BANK token connects to a hybrid DeFi/TradFi system built around Onchain Traded Funds (OTFs), beginning with USD1+, which combines RWA yields, DeFi strategies, and quantitative trading.
Lorenzo is expanding its OTF lineup in 2026 into Bitcoin staking derivatives and cross-chain yield aggregation. It partnered with BlockStreetXYZ to expand USD1 stablecoin use cases, integrated OpenEden's treasury-backed stablecoin for RWA collateralization, and is merging enterprise B2B payments with DeFi yield via TaggerAI.
BANK was listed on Binance in November 2025 and spiked 90% at listing before correcting.
Key risk: OTF expansion is bullish on paper, but the institutional adoption thesis requires regulatory clarity on RWAs that is still developing.
8. Avici (AVICI)
Category: Small cap. Solana-based self-custodial card with documented traction.
Avici is a self-custodial crypto banking project built on Solana, focused on spending cards and onchain swaps. In November 2025, AVICI rose from $0.35 to over $7, a gain of more than 1,700%, on speculation about a partnership with MoonPay. The market cap peaked at $77M.
The Avici Card reached 100,000 transactions in November 2025. Stalkchain data from that period showed aggressive accumulation from single wallets, including one that bought approximately $35,000 at $266 per minute.
Key risk: The price move was momentum-driven rather than fundamental. 100,000 transactions don't justify the valuation at peak. AVICI is a small-cap neobank name: it moves hard on news in both directions.
9. Cypher (CYPR)
Category: Small cap. Multi-chain card rewards protocol, live product.
Cypher is a protocol originally built on Base Chain (Coinbase's L2), now operating across 160+ countries via a Visa card with 1-5% cashback paid in CYPR tokens. Users earn CYPR rewards for card-based transactions, creating an incentive flywheel between spending and token accrual.
The project's stated aim is an open economic model connecting brands, service providers, influencers, AI agents, and crypto card users.
Key risk: Limited CEX listings have capped price discovery. Low liquidity means the token moves violently on even moderate-sized buy or sell orders.
What Neobanks Deliver
Self-Custody
In a true self-custodial product, assets never leave the user's wallet until the moment of spending. The Visa network settles against the onchain balance as no intermediary holds the funds.
Real Payment Rails
Visa and Mastercard acceptance, Apple Pay support, and cashback turn onchain balances into spendable money at 80-130M+ merchants globally. The card is the on/off ramp, eliminating the need to sell crypto to spend it.
Yield and Borrowing
Stablecoin yield replaces the savings function of a bank. Crypto-backed borrowing replaces credit. The yield numbers in this category are generally higher than those of traditional savings accounts, but they carry smart contract, protocol, and stablecoin risks that a savings account does not.
Cross-Chain Abstraction
Projects like Tria and THORWallet handle cross-chain complexity in the background. A user with ETH on Arbitrum and SOL on Solana can spend from both without manually bridging. This is the infrastructure that makes the consumer experience viable.
Token Volatility
Every cashback-in-token model requires accepting that the reward is denominated in a volatile asset. Gnosis Pay users earn GNO. Cypher users earn CYPR. If the token falls, the cashback yield falls with it, or turns negative. This is the fundamental trade-off the category asks users to make.
Where Crypto Neobanks Are Heading
Tokenized equities are moving onto neobank balance sheets. The xStocks integration on Mantle is the early signal: stocks, ETFs, and stablecoins in the same self-custodial platform. If that model works, the differences between a brokerage account and a bank account collapse.
AI agents are the next catalyst. If AI agents handle financial tasks autonomously, they need a payment infrastructure that does not require human sign-offs at every step. Self-custodial neobanks with programmable spending rules are positioned for that use case in ways that legacy banks cannot replicate quickly.
The winners in this category will pair verifiable self-custody with real payment volume, not just a high-yield headline. Those are the two metrics worth tracking in this narrative.
Sources
- Tria (TRIA): The Self-Custodial Crypto Neobank for Daily Use — Bitget
- Plasma blockchain to launch stablecoin-focused neobank — The Block
- Plasma Mainnet Beta Goes Live With XPL Token FDV Reaching $10B at Launch — The Defiant
- Latest THORWallet News (TITN) — CoinMarketCap
- Gnosis Pay Card Review (2026) — Card Pilled
- Lorenzo Protocol Latest News (BANK) — CoinMarketCap
- Best Neobanks in 2026: Web2, Hybrid, and Web3 — Bleap
- xStocks Integration on Mantle — xStocks
- Neobanking Market Size — Precedence Research
This content is provided for informational purposes only and does not constitute investment advice. Investing in cryptocurrencies involves significant risks. Conduct your own research before engaging with any Web3 products or tokens.
Tangem AG provides only hardware wallets and non-custodial software solutions for managing digital assets. Tangem is not regulated as a financial services provider or cryptocurrency exchange. Tangem does not hold, custody, or control users’ assets or transactions. Crypto transaction services are provided by third-party providers. Tangem provides no advice or recommendation on the use of these third-party services.
Staking and yield generation services are provided by third-party blockchain protocols and decentralized finance (DeFi) platforms. Tangem provides non-custodial access only. Earnings from staking are not guaranteed, may fluctuate significantly, and depend entirely on network or protocol conditions. Users participate at their own risk.
FAQ
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Hybrid neobanks (Revolut, Wirex, Xapo) combine traditional accounts with crypto functionality. Custody models vary. Fully on-chain neobanks (Gnosis Pay, Tria) use smart contract wallets for settlement. The user holds the private key. The difference is who can freeze your account.
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Yes. Tokens like MNT and GNO can be held in cold storage using a hardware wallet like Tangem. For tokens you are actively using with neobank products (like GNO in a Gnosis Pay Safe), those live in the app wallet by design.
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They carry the same risks as any small or mid-cap crypto, plus product-execution risk and token unlock pressure. Research the underlying product, the token distribution schedule, and the custody model before the ticker.
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