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.