Coinbase has added a pay‑by‑bank payment option for customers in Germany through a partnership with Tink, a Visa‑owned open‑banking platform. The integration allows users to purchase cryptocurrencies directly from their bank accounts using Tink’s API, providing a faster and more frictionless experience than card or bank‑transfer methods.
The move follows Coinbase’s recent collaboration with Citi to develop digital‑asset payment capabilities for institutional clients and aligns with the company’s strategy to broaden its payment infrastructure across key European markets. Germany, where Coinbase holds a crypto license from BaFin and has a high adoption rate, is a priority for the company’s European expansion.
Coinbase’s Q3 2025 earnings showed total revenue of $1.87 billion, up 54% from the same quarter in 2024, and net income of $432.6 million, up 462% year‑over‑year. Transaction revenue reached $1.05 billion, driven by both consumer and institutional activity, while subscription and services revenue contributed the remainder. The partnership with Tink is expected to further increase transaction volume and fee revenue in the German market.
Tink, acquired by Visa in 2021 for €1.8 billion, offers an open‑banking API that connects to thousands of banks across Europe. Its expertise in payment initiation and data aggregation positions it as a valuable partner for financial services looking to integrate new payment methods. The collaboration is part of Coinbase’s broader effort to make crypto purchases more accessible to consumers and institutions alike.
Coinbase’s CEO, Brian Armstrong, said the partnership would help the company “expand the ways customers can buy crypto in Germany, making the experience faster and more convenient.” Tink’s spokesperson highlighted the platform’s ability to streamline payment flows and reduce friction for users.
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