Market Opportunity
The convergence of traditional banking, digital assets, and real-time payment infrastructure presents one of the most significant shifts in global finance in decades. The market for an omni-bank solution that seamlessly bridges fiat and crypto is expanding rapidly, fueled by user demand, regulatory evolution, and technological maturity.
DigiTap is uniquely positioned to address multiple high-growth sectors simultaneously. The following list makes it clear how one platform can capture overlapping high-value markets.
Growth in Omni-Banking & Mobile-First Finance
Global mobile banking users surpassed 2.5 billion in 2024, expected to reach 3.6 billion by 2030.
Digital-first, multi-currency platforms are forecast to grow at 13% CAGR through 2030, driven by consumer appetite for integrated, borderless money tools.
Cross-Border Payments
The cross-border payments market is projected to reach USD 290 trillion by 2030, with a 5.3% CAGR.
Existing payment rails remain slow and costly, with average fees of 6.2%. Crypto settlement offers near-instant delivery at a fraction of the cost.
Crypto Payments Expansion
Global crypto payment volumes are projected to exceed 9 trillion USD annually by 2030, up from just 1 trillion USD in 2023.
Retail adoption is accelerating, with over 60% of Gen Z and 45% of Millennials open to paying in crypto if integrated with fiat acceptance.
Demand for Crypto–Fiat Interoperability
A 2024 survey showed 78% of crypto users want seamless on/off ramps into fiat for everyday spending.
Interoperability removes friction, enabling both Web3-native users and traditional consumers to transact freely.
DeFi Integration Potential
DeFi total value locked (TVL) is projected to recover to 300–400B USD in the next cycle, offering yield, liquidity, and lending options.
Secure, regulated access to DeFi via omni-banks represents a high-margin revenue stream.
Financial Inclusion: The Unbanked Opportunity
Over 1.4 billion people remain unbanked, and another 1 billion are underbanked.
Mobile-first omni-banking with crypto/fiat access can provide first-time global financial connectivity.
Businesses & Freelancers Across Borders
The global freelance market is projected to reach 12 billion USD by 2030, with cross-border payments as a core requirement.
Multi-currency wallets and instant settlement tools dramatically reduce cost and complexity for SMEs and freelancers.
Regulation & Institutional Adoption
60+ jurisdictions are developing crypto asset regulations, paving the way for mainstream integration into traditional finance.
A regulated omni-bank can act as a trusted bridge between compliant crypto services and legacy banking systems.
Instant Payment Infrastructure
Real-time payments volume is expected to exceed 376 billion transactions annually by 2027 (20% CAGR).
Integrating instant settlement rails with crypto reduces cross-border latency to seconds.
Digital Identity Growth
3.6 billion people will use digital IDs by 2027, making KYC frictionless and scalable.
Integrated, privacy-preserving KYC enables secure onboarding in seconds, even in remote regions.
Stablecoin Adoption
Over 150B USD in stablecoins circulate globally, increasingly used for merchant settlement and payroll.
Omni-banks can harness stablecoins for near-zero FX volatility and 24/7 transfers.
Open Banking Expansion
The open banking market will hit 128B by 2026 USD, driven by API-based interoperability between banks, fintechs, and third-party services.
An omni-bank with open API architecture can plug into global banking and DeFi simultaneously.
Inclusion Mandates & Government Initiatives
Government and NGO-led financial inclusion programs, like the UN SDGs, create large-scale onboarding opportunities.
Strategic partnerships can embed omni-bank solutions into national and regional inclusion strategies.
Global Migration & Remittance Flows
281 million migrants and 860B USD in annual remittance flows remain plagued by high costs (average 6.2% fee).
Crypto/fiat omni-banks can lower remittance costs to below 1%, unlocking massive user adoption.
Future Industry Shaping Technologies
CBDCs, tokenized deposits, and AI-driven compliance will further blur lines between traditional and digital finance.
Platforms positioned now will dominate the next decade’s money movement infrastructure.
The convergence of these trends creates a perfect storm for an agile, regulation-ready, globally integrated omni-bank like DigiTap.
By combining crypto and fiat seamlessly in a single, mobile-first platform, DigiTap can serve multiple high-growth segments, from Gen Z crypto natives to cross-border SMEs, while addressing deep structural gaps in speed, cost, and accessibility.
The market is not just expanding, it’s demanding solutions like this.
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