Why Launch With A White Label Neo Bank In Argentina’s Fintech Market

An old Spanish is saying that sums up how many Argentinians think about their money: Más vale pájaro en mano que cien volando (“A bird in the hand is worth more than many in flight.”) In practise, when the peso falters, people seek value they can hold, move, and spend. 

Currently, the value people see is increasingly digital. The trend toward digital assets is forecasted to accelerate over the next 2 years as Argentina is poised to become one of the leading global markets for crypto adoption by 2026. It is estimated that around 20% of the country’s population is already engaging with cryptocurrencies (8.6 million). 

In the near future, cryptocurrencies will not only serve as a hedge against inflation but also have practical everyday uses, including savings, payments, remittances, and the like, alongside the continued depreciation of the peso. 

As this evolution continues, crypto-centric digital bank app development will blend the best aspects of traditional banks with the added value of crypto rails – helping you fulfill the demands of a unique and dynamic economic environment.

Now, let’s first answer the main question-

1. Because there’s an existing user base

Argentina is becoming one of the top centres of cryptocurrency activity in Latin America. According to new figures, Argentina is now ahead of Brazil with roughly $91 billion in crypto transactions between July 2023 and June 2024.

Besides, stablecoins are being used by many Argentines for purposes beyond speculation. 61.8% of all the crypto transaction volume comes from these USD-backed cryptocurrencies. 

This shows how digital assets here are becoming the go-to for value preservation, payments, and transfers. That provides a solid basis for building new businesses via the white-label neo bank model.

2. The crypto economy is growing

User penetration and revenue projections

Recent estimates suggest that Argentina’s crypto user penetration will increase from 22.8% in 2025 to approximately 23.8% by the end of 2026, and an anticipated total of 10.95 million users. The amount of crypto revenue generated is predicted to reach USD 940.9 million by 2025, and rise to approximately USD 1.1 billion by 2026 at a 16.% CAGR.
These numbers are notional but instead represent the flow of actual cash in the crypto economy, making it an economically viable market for launching a crypto-enabled fintech product in 2026.

3. The financial technology industry has taken off

Argentina’s rapidly advancing financial technology market had 383+ companies operating locally in 2024 (representing a continuing double-digit growth rate every single year).

Local fintech organizations are now responsible for the movement of money via payments, remittances, lending, and crypto.  By developing the infrastructure necessary to facilitate the mass usage of crypto, firms such as Ripio are helping users quickly adopt digital currencies. 

The presence of digital payment systems is further evidence that there is a mainstream demand for next-generation financial services. 

With that being said, if you choose to set up a neo-banking venture in Argentina with a white-label neo-bank development company, you will not be entering in isolation. You will be connected to an already existing, well-established, integrated, and technologically rising fabric capable and ready for progressive scaling. 

4. Regulations are now creating an environment of acceptance

Argentina is developing formal licensing regulations for VASPs (virtual asset service providers). As a result, crypto financial services will no longer be considered “underground” and will now be an accepted, legitimate space  – complete with AML/KYC requirements.

Banking x Crypto

In 2026, the central bank of Argentina is primed to create regulations that will allow banks to provide crypto trading and custody services to their customers. This is a sign that the nation is moving into an era where digital/virtual assets will be normalized alongside traditional banking and finance.

“As such, the compliance-focused neobank applications will have the benefit of operating legitimately, instilling confidence in the users’ minds.”

5. Because international players are validating the fintech market of Argentina

Revolut has entered the Argentine market with an acquisition. The Fintech company will be offering:

• Multi-currency accounts
• Foreign exchange (forex)
• No-fee bank transfers

Nexo recently purchased Buenbit in Buenos Aires to use the city and its surrounding areas as regional epicentres for its next-stage expansion. 

These institutional activities confirm that Argentina is a magnetic market for crypto-powered digital finance globally, with proven user demand.

Argentina Market – Key Statistics Summarized

How To Succeed In A Pulsating Marketplace like Argentina?

The conventional ways to crypto-first banking are not going to be successful in this terrain, where you will have to compete not only against the traditional financial institutions but also against nimble fintech platforms, global players moving into the space, and a very digitally savvy, educated population.

Here is how a white-label neo bank helps you win:

• Culturally resonating with the financial mindset of Argentines – Premier white-labeled options resonate with Argentines’ financial psyche that prioritizes stability, access to dollar-equivalent reserves, and control over volatile fiat currency flows.
• Regulatory compliance – The integration of traditional banks with cryptocurrencies will begin in earnest by 2026. Therefore, the regulatory environment will evolve dramatically over the next few years. Top-notch pre-built neobank frameworks do not compromise on compliance. They help you evolve with regulations – critical for establishing a competitive advantage in 2026.
• Reliability, security, and meaningful financial inclusion – Advanced white label tech enables you launch not just another trendy product — they empower you to craft a resilient platform that serves the larger goals of making crypto banking trustworthy, accessible, and fair for all. 
• Connecting fiat currency with digital assets –  Rebrandable offerings let you orchestrate an entirely new financial ecosystem -supporting locals to seamlessly connect to fiat currency and stablecoins or digital assets, thus forging long-term relationships with them. 

Experience Crypto-Native Fintech app development in Argentina with Antier

Antier builds more than just apps. We make crypto neo banking solutions that leverage deep local insight – blending fiat banking, cryptocurrency integration, compliance, smooth user experience, and strong infrastructure.

In Argentina, people want financial independence and choice. That is what our white-label technology brings. 

Our goal is not to sell a product, but to give you the ability to inspire a new banking renaissance that speaks to the needs of the local people. By banking on Antier’s expertise, you will go live in the LATAM market in just a few weeks or months with an application that is not only technically sound but also compliant with regional norms and rules.

Are you ready? Talk to our experts to get more insights on how to begin!