← State of Embedded Finance 2026

Huobi

Can a globally sanctioned and rebranded crypto exchange rebuild regulatory legitimacy while scaling embedded crypto-financial services across non-Western markets?

Founded2013
HQPanama (registered as Huobi Global S.A.); previously Beijing, China
IndustryFintech / Crypto
The story

Founded in 2013 in Beijing as a spot cryptocurrency exchange, Huobi grew into one of the world's largest crypto trading platforms. Following regulatory pressure in China and global markets, the exchange relocated operations offshore and rebranded to HTX after its acquisition by About Capital Management circa 2023. The platform expanded into crypto-backed lending, a European debit card via Solarisbank, and C2C margin products — building out embedded finance features around its exchange core. By 2026, HTX faced escalating regulatory action: an FCA lawsuit for illegal UK promotion and a UK Russia-sanctions designation that froze assets and banned UK correspondent banking access, severely curtailing its Western market reach.

Last 12 months
2026-02
2026-05-26
2026-05-27
Product timeline
2013
Huobi founded in Beijing as a cryptocurrency exchange.· pivot
2021
Huobi Brokerage launched Huobi Lending, a crypto-backed lending service for institutional investors and HNWIs.· lending
2023
Huobi partnered with Solarisbank to launch a crypto-to-fiat debit card for users in the European Economic Area.· card
2023
Huobi rebranded to HTX following acquisition by About Capital Management.· pivot
2023
HTX launched pledged lending dynamic interest rate product ('borrowing is mining') with 2.7B HTX token prize pool.· lending
2026
FCA filed suit against HTX in February for illegal UK consumer promotion.· pivot
2026
UK government sanctioned HTX (Huobi Global S.A.) under Russia Sanctions Regulations on May 26, freezing assets and banning UK financial access.· pivot
The stack
Banking / BaaS
Solarisbank
Card issuing
Solarisbank
Lending
Huobi Lending (crypto-backed OTC lending for institutional investors and HNWIs)C2C Lending (peer-to-peer crypto lending/margin platform)C2C Margin (sub-module of C2C Lending for margin traders)Pledged lending dynamic interest rate product (USDT/BTC/ETH collateral)
Accounting gap: none