“Can Bitpanda become the full-stack regulated digital-asset infrastructure layer for European and global financial institutions, while simultaneously operating Europe's leading multi-asset retail investment platform?”
Founded in 2014 as a Bitcoin broker, Bitpanda evolved into Europe's leading multi-asset retail investment platform covering crypto, stocks, ETFs, precious metals, and indices. In 2019 it launched a B2B arm (Bitpanda Technology Solutions) to white-label its infrastructure to banks and fintechs, which was rebranded Bitpanda Enterprise in 2026 and expanded from a single Investment-as-a-Service product into a full-stack institutional offering spanning custody, liquidity, stablecoin issuance, crypto payments, and tokenization. The company holds 16+ European licences and positions itself as the regulated digital-asset infrastructure layer for traditional finance.
Bitpanda discloses Solarisbank as its banking provider, according to the Embedded Finance Index 2026.
Bitpanda does not disclose a bank charter of its own; its banking services are provided through Solarisbank.
Bitpanda processes payments through Bitpanda Pay (self-operated) and Bitpanda Payments GmbH (self-operated).
Bitpanda's cards are issued through Solarisbank.
Bitpanda uses Sumsub for KYC and identity verification.
Bitpanda connects to bank accounts through Powens.
Bitpanda's crypto products run on Bitpanda Enterprise (self-operated).
Bitpanda integrates with NetSuite.
The Embedded Finance Index 2026 maps 8 layers in Bitpanda's stack: Payments / PSP (Bitpanda Pay (self-operated) and Bitpanda Payments GmbH (self-operated)); Banking / BaaS (Solarisbank); Card issuing (Solarisbank); Open banking (Powens); KYC (Sumsub); Crypto (Bitpanda Enterprise (self-operated)); Accounting (NetSuite); Spend / AP (Zip and Perk).
Bitpanda was founded by Eric Demuth, Paul Klanschek and Christian Trummer and is founded in 2014, headquartered in Vienna, Austria.
Get a read on where your own stack stands against Bitpanda and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.