Transaction volume for stablecoins has reached an astonishing $27.6 trillion annually. This exceeds the amount that PayPal and Stripe process each year, combined. However, whenever you consult white-label crypto wallet experts, the majority of them are unable to tell what you actually need to generate revenue from wallets.
The crypto wallet market will be worth $5.43 billion by 2026. Most people may only quote the above recent figure and forget it later. But the fact is that having a large enough potential market does not always guarantee revenue. Here is how you can ensure your cryptocurrency wallet becomes a force to be reckoned with in 2026, not just another “destined-to-be” failed offering.
These are major forces changing everything right now
Already, a lot of institutional capital is moving into crypto wallets today. 76% of global investors have stated they intend to increase their digital asset exposure in 2026. That implies that now it's time to change how a wallet works to meet the needs of these new users.
Regulatory clarity (From recent policies like the GENUIS Act) may seem restrictive at first glance. Yet, it is opening the doors to greater stablecoin adoption as users gain more transparency and security through compliant technologies.
The RWA market grew to $24 billion in June 2025. In just three years, this represents a 308% increase. If your wallet does not transition from a mere transaction processor to a new layer of infrastructure for this massive space, you are preemting your own downfall.
What are the top revenue levers for your white label cryptocurrency wallet in 2026?
- Stablecoin transaction fees make one of the top revenue levers, and rightfully so. With stablecoins, the addressable market could generate 15-20% of your total revenue. Be that as it may, capturing the entire amount is unrealistic and short-sighted. The smarter strategy is to focus on building consistent revenue with enterprise clients, as they maintain steadier transaction volumes compared to retail users.
- Second on the list is enterprise loyalty integrations, and this is already mainstream. 47% of top U.S. retailers now have wallet-based loyalty program integrations. Loyalty functionality does more than reward users, it also increases a user’s lifetime value. When users earn incentives for returning, they return more. The more they return, the more transactions they will complete. Adding even one loyalty partnership can increase transaction frequency by up to 20-50% among your existing customers.
- Then comes embedded finance and BNPL, which processed $435 billion in transaction value in 2025. White label wallet development can help you incorporate Buy Now Pay Later services as a distribution partner, allowing you to earn commission rates between 2% to 3%. If 30% of all of your users' transactions rely on BNPL, your income could climb by 20-40% with the same customer base.
- Emerging in this sequence is institutional settlement. FASB issued Accounting Standards Update 2023-08, effective December 2024. Corporate teams now clearly mark crypto assets on their balance sheets. Institutional wallet adoption is becoming an accounting line item. By October 2025, Broadridge DLR has processed between $339 to $385 billion in a single day of settlement. Combining the custody fee plus settlement fees, even if you capture 0.01% of this volume, you can get access to solid recurring revenue.
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