Table of Contents

Executive summary

The neobank crypto sector is consolidating fast. On October 6, 2026, Ether.fi deployed MoonPay’s full payments infrastructure inside its self-custodial neobank without taking custody. Stablecoin card volume exceeded $4.3 billion in Q3, up 33% quarter-over-quarter (CryptoRank, October 9, 2026), while Haven opened private neobank accounts on Starknet, depositing from six chains that settle on a single L2 (TradingView, October 5, 2026).

These signals matter for founders and finance leads: the pipes for a unified fiat and crypto banking operating system are being built now. This guide provides operational tradeoffs, real fee schedules, DAO treasury workflows, onboarding timelines, and jurisdiction checks…