← Embedded Finance Index 2026

Blocto

“Can Blocto become the embedded wallet infrastructure layer that makes blockchain interactions invisible to end users and dApp developers alike?”

HQTaiwan
IndustryFintech / Crypto

The story

Blocto, operated by portto Co., Ltd., began as a consumer crypto wallet app focused on reducing friction for non-crypto-native users via a mixed custodial model and no-seed-phrase onboarding. It evolved into an SDK provider — Blocto SDK — allowing dApp developers to embed wallet services directly into their applications, removing the need for users to download separate wallet apps. The MoonPay partnership added fiat on-ramp capabilities, moving Blocto toward a more comprehensive embedded crypto infrastructure layer for the Flow blockchain and multi-chain ecosystem.

Last 12 months

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Product timeline

2019

Blocto launched as a multi-chain crypto wallet app with embedded wallet SDK for dApp developers, operated by portto Co., Ltd.· pivot

2021

Blocto partnered with MoonPay to enable in-wallet fiat-to-crypto on-ramp, described as an industry-first crypto wallet with Flow blockchain integration.· banking

The stack

2 layers disclosed in Blocto’s embedded-finance stack

Money movement

ACH

Crypto

in the full report

Accounting gap: none

1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Blocto — frequently asked

Which payment rails does Blocto use?

Blocto moves money over ACH.

Which crypto provider does Blocto use?

Blocto's crypto products run on MoonPay.

What is Blocto's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Blocto's stack: Money movement (ACH); Crypto (MoonPay).

Where is Blocto headquartered?

Blocto is headquartered in Taiwan.

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