← Embedded Finance Index 2026

Blockchain

“Can a legacy crypto wallet and exchange platform become a full-service crypto finance house across retail, institutional, and DeFi verticals?”

Founded2011
HQLondon, UK
FoundersPeter Smith, Nicolas Cary, Benjamin Reeves
IndustryFintech / Crypto

The story

Blockchain.com (originally Blockchain.info) began as a Bitcoin block explorer and wallet service, evolving into one of the world's largest retail crypto platforms offering exchange, custody, lending, and institutional services. The evidence available is insufficient to construct a detailed product timeline or pivot narrative with confidence.

Last 12 months

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Same company

Blockchain was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.

Blockchain Com2 layers →Blockchaincom Professional Services1 layer →

The stack

3 layers disclosed in Blockchain’s embedded-finance stack

Payments / PSP

Stripe

Lending

in the full report

Crypto

in the full report

Accounting gap: minor

2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Blockchain — frequently asked

Who is Blockchain's payment processor?

Blockchain processes payments through Stripe.

Which crypto provider does Blockchain use?

Blockchain's crypto products run on in-house (cold storage, multi-sig, HSM).

What is Blockchain's embedded finance stack?

The Embedded Finance Index 2026 maps 3 layers in Blockchain's stack: Payments / PSP (Stripe); Lending (Crypto-Backed Loans (USDC against BTC/ETH collateral, in-house)); Crypto (in-house (cold storage, multi-sig, HSM)).

Who founded Blockchain?

Blockchain was founded by Peter Smith, Nicolas Cary and Benjamin Reeves and is founded in 2011, headquartered in London, UK.

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