Bitpanda与印度储备银行携手为1800万银行客户构建加密货币框架

UBS International cooperates with Bitpanda Enterprise to build a common digital asset framework for banking in Central and Eastern Europe

Raiffeisen Bank International (RBI) has entered into a partnership with Bitpanda Enterprise to establish a unified digital asset framework for its banking network in Central and Eastern Europe. This move is expected to allow cryptocurrency services to reach as many as 18 million customers.

Core of cooperation: Integrating infrastructure and localization decisions

The collaboration between RBI and Bitpanda Enterprise aims to build a digital asset framework that serves up to 18 million bank customers in Central and Eastern Europe. Under this architecture, Bitpanda will provide the underlying cryptocurrency infrastructure, while each independent bank in the RBI network will independently decide on the products it provides and launch plans based on local market and regulatory requirements.

This agreement expands on the model UBS has adopted in Austria. In this model, customers can access digital assets through existing banking services. RBI has subsidiary banks in 11 markets in Central and Eastern Europe, and the establishment of the framework allows its potential influence to cover a large traditional banking network.

According to Bitpanda, the agreement will provide RBI Internet Banking with the necessary infrastructure to enable it to introduce digital asset services in its respective markets. At the same time, each bank will independently decide which products to launch and when to launch them based on local regulations and market demand.

这种安排并非要求客户在加密平台开设单独的账户，而是由Bitpanda通过银行提供服务背后的基础设施，让客户能够继续以银行为主要联系点来访问数字资产。

从奥地利试点到区域推广

RBI与Bitpanda的合作建立在奥地利加密货币推广经验的基础之上。瑞银与Bitpanda的合作始于Raiffeisenlandesbank Niederösterreich-Wien（RLB NÖ-Wien），该行成为欧盟内首批在传统银行体系内为客户提供加密货币访问权限的传统银行之一。

Bitpanda为该项服务提供了技术支持，允许客户在使用银行作为主要接触点的同时访问数字资产。最新的RBI协议将这一模式从单一的奥地利银行扩展至多个市场，创建了一个可跨市场使用的通用框架。

此后，奥地利其他瑞银银行也采取了相同方向。今年6月，Raiffeisen Landesbank Tirol通过Bitpanda Enterprise引入了数字资产访问权限，成为该基础设施提供商不断扩大的传统银行合作伙伴名单中的又一成员。

需要注意的是，新安排并不意味着所有RBI客户将同时获得加密货币服务。每家网络银行将根据需求、当地规则及其运营要求，确定其产品供应和推出时间表。

RBI's business footprint gives this collaboration a greater potential impact than earlier individual integrations. The banking group has approximately 42,000 employees and approximately 1,300 business outlets, and its customer base is mainly concentrated in Central and Eastern Europe.

Bitpanda is committed to expanding its banking infrastructure

RBI's transaction marks the expansion of Bitpanda's institutional business from its original retail crypto platform into a wider range. Bitpanda Enterprise provides banks and other financial institutions with infrastructure for transactions, custody, liquidity, payments, stablecoins and tokenization. Its systems can be integrated into existing products of financial institutions, eliminating the need for institutions to build their own encryption infrastructure from scratch.

In early September this year, Bitpanda Enterprise expanded its cooperation with BW-Bank, which is increasing as European banks continue to add digital asset products to existing financial services.

Bitpanda has also established partnerships with a number of major financial institutions. In May, IG Europe selected Bitpanda to provide liquidity, trading connectivity and market data for its planned expansion of European crypto trading.

The Austrian company maintains close ties with Deutsche Bank. Since German lenders began providing local IBAN and real-time payment infrastructure to Bitpanda customers in Germany in 2024, the relationship has expanded to other digital asset infrastructure areas. Currently, Deutsche Bank is preparing to provide crypto custody services for Bitcoin and Ethereum.

Bitpanda reported that its adjusted revenue in 2025 was 371 million euros, a 16% increase from the previous year, and a user base of 7.4 million.

欧洲银行加速布局受监管的加密服务

RBI框架的推出正值传统银行参与欧盟受监管加密市场的增长期。截至9月16日，在欧洲证券和市场管理局（ESMA）的加密服务提供商注册表中，银行实体占比近23%。自6月下旬约40家增至约80家后，银行数量大致翻了一番。同期，注册的加密服务提供商总数从243家上升至349家。

德国合作银行也是这一增长的一部分。8月份又有六家机构加入注册表，使德国授权加密资产服务提供商的总数在当时达到79家。

根据《加密资产市场法规》（MiCA），欧盟规则为银行进入加密市场提供了单独的路径。信贷机构在向本国监管机构提交所需信息后，可提供涵盖范围内的加密服务；而加密公司通常则需要获得加密资产服务提供商的授权。

Bitpanda将其受监管的基础设施定位为帮助银行和金融公司进入该市场的一种方式，使其无需自行开发交易和托管系统。该公司在欧洲持有MiCA许可证，并持续向扩展其数字资产报价的机构提供基础设施。

然而，其监管记录也面临审查。今年8月，奥地利金融市场监管局因Bitpanda违反加密资产白皮书和营销要求，对其处以7万欧元罚款。该程序通过简易程序完成，并成为奥地利监管机构依据MiCA发布的第一个最终处罚决定。

与此同时，传统银行在受监管加密服务中的作用持续增强。ESMA数据显示，截至9月中旬，银行机构占所列加密提供商的近四分之一，尽管每所机构获准的服务各不相同，可能包括托管、转账、订单执行、投资组合管理或加密资产与基金之间的兑换。

对于RBI而言，Bitpanda框架将这些产品决策权留给了其下属的网络银行。符合条件的机构可以在当地监管和运营条件允许时，利用Bitpanda Enterprise作为其客户服务背后的通用基础设施层，引入数字资产服务。