Biptap enters 2026 with 400,000+ users onboarded, a growing global network of 40 “omnibanks,” and newly shipped onramp + multichain capabilities—accelerating toward full banking features, deeper bank integrations, and a unified “Airbnb for Banking” access model.
DUBAI, United Arab Emirates — December 26, 2025 — Biptap today announced its 2026 Omni-Bank vision, led by CEO Jonathan Low: a new model of banking designed as “a bank without a bank.” The Omni-Bank approach is built to remove the fragmentation across modern finance—where users and businesses are forced to juggle separate platforms for banking, payments, and digital assets—by unifying these experiences into one cohesive ecosystem.
“Banking has stayed structurally fragmented while the world has become borderless,” said Jonathan Low, CEO of Biptap. “Omni-Banking is the shift from institutions to infrastructure—where people and businesses can access the rails they need without being trapped inside disconnected systems. 2026 is where we turn what we’ve built into the standard users will expect everywhere.”
What is an Omni-Bank?
An Omni-Bank is a unified financial ecosystem designed to bring the most important layers of modern finance into one experience. Instead of forcing users to manage multiple apps, logins, providers, and rails, Omni-Banking consolidates access across:
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Traditional Banking (core account access and bank rails)
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Neo Banking (modern digital-first banking experiences)
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Crypto Banking (crypto-native balances and on-chain rails)
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Crypto Exchange (on-platform swapping and asset management)
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Crypto Cards (real-world spend connectivity through card-based access)
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Payments (everyday transfers, collections, and merchant flows)
Biptap’s Omni-Bank infrastructure is designed as an “Airbnb for banking” model: instead of being limited to a single banking institution, users and businesses can access the banking rails and services they need on-demand, through a growing global network of partners—based on region, compliance pathways, and real-world use cases.
Why Omni-Banking, and why now
Across markets, financial access remains constrained by complex onboarding, fragmented rails, and legacy workflows that slow down cross-border commerce and everyday transactions. Biptap’s Omni-Bank vision is built on a simple premise: make banking behave like infrastructure—modular, interoperable, and designed for real-world use across regions, currencies, and digital rails.
From vision to execution: 400,000+ users and a growing “omnibank” network
Biptap reports it has now onboarded 400,000+ users and is supported by a growing global network of 40 “omnibanks,” forming the foundation of an on-demand access model that has been described as the “Airbnb of banking.” The company’s 2026 direction builds on this base—scaling distribution, expanding integrations, and continuing to ship the building blocks required for a unified experience across traditional and digital finance.
Product momentum: what shipped in 2025
To support the Omni-Bank experience, Biptap accelerated platform delivery through late 2025, introducing key capabilities focused on simplicity, speed, and cross-rail access:
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Onramp Service — Users can top up their Biptap Wallet and purchase crypto via cards, digital wallets, and bank transfers, with automatic fiat conversion.
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Multichain Exchange — Users can swap and manage USDT and USDC directly within the app across Solana and Polygon, with additional EVM-compatible chains planned.
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Payment Links (Coming Soon) — Payment links and QR codes designed for instant transfers and simplified collection flows.
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Full Banking Features (In the Pipeline) — The company is working toward core banking capabilities including ATMs and loans, planned for rollout as the platform expands.
“These aren’t random features,” Low added. “They’re the primitives that make Omni-Banking real—so money movement and access become simple, unified, and usable at global scale.”
Strategic scale: GCC strength, Asia distribution, sovereign corridors
As Biptap prepares for its 2026 expansion cycle, the company highlighted several strategic milestones supporting scale and credibility across regions:
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Al Fardan Ventures — Supporting regional expansion and B2B scaling capabilities through marketing expertise and infrastructure.
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Kaia + LINE/Kakao ecosystem reach (250M+ users) — Kaia, a Layer-1 blockchain powering LINE and Kakao, enabling Biptap’s crypto banking access to embed into one of Asia’s largest communications ecosystems, with a combined reach of 250 million+ users.
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Central African Republic agreement — Biptap signed an agreement with President Faustin-Archange Touadéra, marking a sovereign-level collaboration milestone as the company expands its omnibanking accessibility agenda.
The 2026 outlook: toward “full banking” and deeper interoperability
In 2026, Biptap expects to focus on scaling the Omni-Bank foundation through:
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More bank integrations and expanded regional coverage
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SEPA-enabled flows and deeper account/payment interoperability
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Expanded multichain operations beyond Solana and Polygon
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Payment execution via Payment Links and simplified collection rails for consumers and businesses
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Full banking features, including planned loan and ATM capabilities, as part of a broader banking rollout
“Omni-Banking becomes inevitable when access is designed to work across rails—fiat, crypto, and payments—without forcing users to rebuild their financial life every time they cross a border or add a new use case,” Low said. “2026 is a delivery year.”
About Biptap
Biptap is building an Omni-Bank infrastructure stack designed to unify payments, exchanges, accounts, and cross-border financial access into one cohesive experience—across borders, currencies, and digital rails—so individuals and businesses can operate without the friction of fragmented platforms.
About Jonathan Low
Jonathan Low is the CEO of Biptap, focused on building next-generation banking infrastructure designed for cross-border reality. He is known for a builder-led approach centered on execution, partnerships, and category-defining product delivery.
