← State of Embedded Finance 2026

B2C2

Can a crypto-native institutional liquidity provider evolve into the full financial infrastructure layer — settlement, stablecoin swaps, and fiat rails — for global institutional digital asset markets?

Founded2015
HQLondon, UK
IndustryFintech / Crypto
The story

Founded in 2015, B2C2 established itself as a crypto-native OTC market maker and liquidity provider serving institutional clients — hedge funds, asset managers, banks, and exchanges. Acquired by SBI Holdings in 2020, it leveraged Japanese institutional backing to deepen its global regulatory footprint across the UK (FCA), US, Japan, Singapore, Luxembourg and France. Over 2024–2026, B2C2 has been expanding beyond pure crypto trading into stablecoin infrastructure (PENNY platform) and fiat settlement rails (OpenPayd partnership), positioning itself as a full institutional digital asset ecosystem partner rather than just a price-maker.

Last 12 months
2026-04
2026-04
2026-03
2026-03
2026-02
2025-12
2024-10
Product timeline
2015
B2C2 founded as an institutional crypto liquidity provider headquartered in London.· pivot
2020
SBI Holdings (Japanese financial conglomerate) acquires majority stake in B2C2.· acquisition
2024
B2C2 partners with OpenPayd to expand its global instant fiat settlement network for institutional clients.· banking
2025
B2C2 launches PENNY, an institutional stablecoin swap platform supporting USDT, USDC, USDG, RLUSD, PYUSD and AUSD.· banking
2025
B2C2 receives SOC 2 Attestation from RSM, establishing institutional-grade security compliance.· pivot
2026
B2C2 announces Solana as primary network for stablecoin settlement and launches institutional OTC trading for tokenized gold.· banking
2026
B2C2 partners with TP ICAP on Fusion Digital Assets and with Anchorage Digital for expanded crypto settlement via Atlas.· banking
Regulated entities
FCA Authorised (Investment Firm / MiFID)
UK FCA
B2C2 OTC Ltd.
The stack
Banking / BaaS
OpenPayd
FX & payouts
OpenPayd
Crypto
Anchorage Digital
Accounting gap: none