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Coinme Acquired by Polygon Labs to Build its Open Money Stack
Coinme Acquired by Polygon Labs to Build its Open Money Stack

Transaction Overview
On January 13th, 2026, Polygon Labs announced it intends to acquire Coinme, a regulated crypto-as-a-service provider. Simultaneously, Polygon also announced the acquisition of Sequence, enabling payment flows across blockchain networks. Both acquisitions help build a fully integrated, rules-compliant stablecoin payments system – Poygon’s Open Money Stack.

Target: Coinme
Founded in 2014 and headquartered in Seattle, Coinme is a U.S.-regulated digital asset payments company offering crypto-as-a-service and stablecoin and crypto payment infrastructure for enterprises, fintechs, wallets, and payment applications.

Coinme is licensed and operates in 48 U.S. states, as well as Puerto Rico, and has built systems designed to handle fiat-to-crypto and stablecoin payments at scale while meeting U.S. regulatory requirements.

Coinme provides capabilities that partners integrate into their products. These capabilities, delivered as a set of APIs or SDKs, include KYC, payments by debit card, bank transfer, or cash, converting between fiat and crypto, trading, and custody, so partners can offer end-to-end crypto and stablecoin features embedded in their own applications.

Coinme also supports a large cash-to-crypto network through partnerships, providing the software and compliance layer that enables cash on-ramps and off-ramps at 50,000+ locations across the U.S.

Coinme serves more than one million users and has processed more than $1.3 billion in total transactions since it launched. Its enterprise customers include Coinstar, Exodus, Mercuryo, Baanx, and Breeze.

Coinme was co-founded by CEO Neil Bergquist and has raised $41M in equity funding from Pantera, Digital Currency Group, Coinstar, Circle, and MoneyGram.

Coinme competitors include: ZeroHash, MoonPay, Bridge | Stripe, Banxa | OSL, and Paxos.

Buyer: Polygon Labs
Polygon was founded in 2017 as Matic Network and is actively undergoing an evolution in its product offering. Polygon Labs, formed in 2023, is responsible for supporting the development of the Polygon ecosystem, with a focus on fast, low-cost blockchain infrastructure for payments.

Polygon is now building the Open Money Stack, an integrated set of services designed to move money instantly and reliably, globally. It combines blockchain settlement on the Polygon network with core payment components like wallets, stablecoin integrations, cross-chain connectivity, and compliance tooling, to keep funds on-chain so they can be used across on-chain financial applications.

To make this work across many different blockchains, Polygon Labs is building AggLayer, a settlement layer meant to help different blockchains connect and exchange value with each other quickly and at low cost, reducing the need for separate, disconnected systems.

Polygon is a listed token with a current fully diluted value of $1.6B. Polygonscan shows more than 6.2 billion total transactions on Polygon. Polygon’s website also points to scale indicators like billions of dollars of stablecoins on the network, millions of transactions per day on average, and monthly payment volume, and describes Polygon as infrastructure that can support “trillions” of value moving through it.

The company was co-founded by Jaynti Kanani, Sandeep Nailwal, Mihailo Bjelic, and Anurag Arjun, and is currently led by CEO Marc Boiron, who was appointed in 2023.

Historically, in 2021, Polygon acquired zero-knowledge cryptography companies Mir and Hermez for $400M and $250M, respectively, but these are no longer aligned with the company’s Open Money Stack vision.

Transaction Parameters
Polygon Labs is acquiring Coinme for an undisclosed amount. In combination with another acquisition, Sequence, simultaneously announced by Polygon today. The combined acquisition value is around $250M. This marks one of the first examples of a protocol acquiring an operating business. The Coinme transaction is expected to close in Q2 2026.

Architect Partners served as the exclusive financial advisor to Coinme.

Notable comparable transactions include OSL | Banxa for $62M (M&A Alert), Nuvei | Simplex for $250M (M&A Alert), Ripple | Rail for $200M (M&A Alert), Stripe | Bridge for $1.1B (M&A Alert), MoonPay | Iron for $100M (M&A Alert), and MoonPay | Helio for $175M (M&A Alert).

Strategic Rationale
Polygon is acquiring Coinme and Sequence to move from being a settlement rail to owning the full experience of how money comes on-chain, moves on-chain, and settles back into the real world. The combination of Coinme’s licensed payments offering with Sequence’s wallet and payments orchestration stack gives Polygon an end‑to‑end, regulated crypto payments platform that spans physical kiosks, embedded wallets, and cross‑chain routing.

On Day 1, Polygon can take this integrated “crypto‑as‑a‑service” solution to banks, PSPs, neobanks, and fintechs who want compliant, turnkey stablecoin and token payments without building their own licensing, infrastructure, or user experience.

Architect Partners’ Observations
This acquisition(s) underscores a broader inflection point in the blockchain protocol market: technological performance and scalability alone will not win. The integration of real-world rails and the ability to deliver end-to-end value for mainstream users are becoming table stakes. As the market matures, competitive advantage is shifting toward owning the commercialization layer, including regulated fiat access, compliance operations, distribution channels, partner integrations, and strong product integration.

Networks that rely entirely on third-party providers risk commoditization, margin leakage, inconsistent user experience, and strategic dependency, just as stablecoins and tokenized products begin to drive meaningful transaction volume and the corresponding revenue opportunities.
Polygon’s actions show they fully understand the importance of this approach.

Sources
Polygon Press Release
Architect Partner M&A Tracker
PitchBook

Alerts

SBI Holdings Acquires bitbank for $289M

Steve Payne
June 25th, 2026
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Transaction Overview

On June 25th, 2026, SBI Holdings (TSE: 8473), one of Japan’s largest financial services groups, announced a definitive agreement to acquire bitbank, one of the largest crypto asset exchanges in Japan, for a total consideration of ¥46.7B (approx. $288.8M).

 

Target: bitbank

Founded in May 2014 and headquartered in Tokyo, bitbank is a spot crypto asset exchange oriented toward active retail traders in Japan.

 

bitbank’s core products include: 1) its spot exchange, which lists 44 crypto assets quoted against the yen; 2) coin-lending service through which users lend crypto assets for a fee; 3) custodial services, with institutional launch preparations under the subsidiary Japan Digital Asset Trust with Sumitomo Mitsui Trust; 4) card issuance and payment services in collaboration with EPOS; 5) bitbank Plus, an owned-media property publishing market and educational content on crypto assets, blockchain, and investing for beginners. 

 

bitbank markets itself as the largest crypto exchange in Japan by altcoin trading volume. As of December 2025, bitbank held approximately ¥570B ($3.53B) in customer assets under custody across approximately 960,000 accounts, ranking third behind bitFlyer (¥960B as of December 2025) and Coincheck (¥800B as of March 2025).

 

For the fiscal year ended December 2025, bitbank reported revenue of ¥5.81B ($35.9M, -26.8% YoY) and an operating loss of ¥970M ($6.0M), swinging from an operating profit of ¥2.80B ($17.3M) in FY2024. Net assets stood at ¥12.7B ($78.5M, -4.9% YoY). This marks bitbank’s first annual operating loss since FY2023.

 

bitbank is one of the 27 regulated crypto exchange operators supervised under the Financial Services Agency of Japan. Historically, bitbank has raised a total of ¥8.38B ($51.8M) over its history across multiple rounds. Its most recent financing round was completed in October 2021, a later‑stage VC round that raised ¥7.50B ($46.4M) at a post‑money valuation of ¥31.88B ($197.2M). Its previous investors include Ceres, a point service provider and operator of the crypto exchange CoinTrade, and MIXI, a primary game service operator. In October 2024, bitbank was reported to be planning a Tokyo Stock Exchange listing; no further details have followed.

 

bitbank’s principal domestic competitors include bitFlyer, Coincheck (Monex Group), GMO Coin, and, prior to this transaction, SBI’s own SBI VC Trade.

 

Buyer: SBI Holdings

Headquartered in Tokyo, SBI Holdings (TSE: 8473) is one of the largest comprehensive financial services groups in Japan.  SBI is not related to Softbank.

 

SBI Holdings’ operating businesses span five segments: 1) Financial Services, houses online securities brokerage, banking services and life and non-life insurance; 2) Asset Management, covers investment trusts and advisory; 3) PE Investment, investing in fintech, blockchain, finance, and biotech; 4) Next Gen, includes pharmaceuticals, health foods, cosmetics, and digital healthcare; 5) Crypto Asset, comprises the group’s exchange and trading operations. 

 

SBI’s Crypto Asset segment is anchored by its exchange business. Domestically, SBI operates SBI VC Trade, the entity into which bitbank would be consolidated. In its long journey of consolidation, SBI VC Trade has acquired TaoTao in 2020 (Press), the accounts and custodial assets of DMM Bitcoin following that exchange’s 2024 closure (Press), and completed an absorption merger of Bitpoint Japan on April 1, 2026 (Press). As of April 2026, SBI VC Trade held approximately 1.94 million accounts and ¥600B in assets under custody, having grown accounts at a 44.6% CAGR since March 2023. SBI has also expanded internationally – in February it announced the intention to acquire a majority stake in Coinhako, a Singapore-based digital asset exchange (Press).

 

SBI’s presence in digital assets dates to 2016, when SBI Investment led Kraken’s Series B and the group formed the SBI Ripple Asia joint venture. Beyond its exchange operations, it holds a majority stake in B2C2, a UK-based OTC market maker that in May 2026 became the first global OTC provider to obtain a MiCA license from Luxembourg’s CSSF. It also holds an approximately 9% stake in Ripple, partners with Circle through the Circle SBI Japan joint venture, and has positions in Securitize, Progmat, R3, Sygnum, and Elliptic. As of March 2026, Digital Asset and Blockchain holdings within SBI’s portfolio totaled ¥436.9B ($2.7B), the largest single industry category.

 

For the fiscal year ended March 2026, SBI reported record revenue of ¥1,896.6B ($11.73B, +31.4% YoY), operating income of ¥477.6B ($2.95B, +83.0% YoY), and a return on equity of 28.0%. As of June 25, 2026, SBI Holdings had a market capitalization of approximately ¥2.0T ($12.37B), ranking third in the TSE Securities and Commodity Futures sector, behind Nomura Holdings and Daiwa Securities Group.

 

Transaction Parameters

SBI has agreed to acquire bitbank for ¥46.7B ($288.8M). According to bitbank’s reported revenue of ¥5.81B ($35.9M) for the fiscal year ended December 2025, this implies a transaction multiple of approximately 8.0x EV / Revenue.

 

Post-transaction, based on assets under custody and registered accounts of SBI VC Trade and bitbank as of April 2026, the combined group would hold approximately ¥1.1T ($6.8B) assets under custody and 2.92 million accounts, and now ranks as the largest crypto exchange in Japan.

 

Previous comparable transactions include: Robinhood | Bitstamp (8.0x EV/Revenue, M&A Alert), Coinbase | Deribit (9.7x EV/Revenue, M&A Alert), IG Group | Independent Reserve (3.1x EV/Revenue, M&A Alert), Naver | Dunamu (M&A Alert), Kraken | NinjaTrader (M&A Alert).

 

Strategic Rationale

This acquisition is the latest and largest step in SBI’s consolidation of the Japanese crypto exchange market. SBI VC Trade has grown principally through absorption: TaoTao (2020), the accounts and custodial assets of DMM Bitcoin (2024), and Bitpoint Japan (2026) were each folded into a single platform. bitbank, at ¥570B in assets under custody and 960,000 accounts, is a materially larger addition than any prior target. On a pro-forma basis as of April 30, 2026, the combined group would hold approximately ¥1.1T in assets under custody across 2.92 million accounts.

 

Beyond scale, bitbank brings an FSA-registered platform, the deepest altcoin liquidity in Japan by its own measure, and an institutional custody arm (Japan Digital Asset Trust, with Sumitomo Mitsui Trust): assets that are faster acquired than built. A larger domestic trading base also supports SBI’s broader digital-asset strategy, including planned tokenized-securities and stablecoin-settled services, and complements its existing positions in liquidity (B2C2), tokenization (Securitize, Progmat), and Ripple-linked settlement.

 

Architect Partners’ Observations
This transaction is best understood against the regulatory inflection underway in Japan. On June 11, 2026, two weeks before this announcement, the Lower House passed a bill reclassifying crypto from the Payment Services Act to the Financial Instruments and Exchange Act, the same framework that governs equities and bonds. The reform cuts at both ends of the exchange business: it opens the market through a flat 20% tax, down from as much as 55%, and a pathway to spot Bitcoin, Ether, and XRP ETFs, while raising the cost of running a standalone venue by layering on securities-grade capital, custody, and disclosure obligations. With roughly 90% of Japan’s licensed exchanges already operating at a loss, and industry observers suggesting as many as half of the 27 registered venues may not survive the new regime, the conditions for consolidation are now firmly in place.

 

bitbank illustrates the squeeze. Its revenue fell 26.8% in FY2025, and it ran an operating loss, yet SBI is paying roughly 8x revenue, approaching the 9.7x revenue multiple that Coinbase, the largest listed crypto exchange at roughly $40B in market value, paid for Deribit. It is a top-tier multiple that makes sense only as a purchase of regulated scale rather than earnings.

 

The exchange is only the front end. On the same day, SBI launched RLUSD distribution in Japan, a Visa-branded crypto rewards card, and a stablecoin payments MOU, signaling an intent to own the full stack of trading, custody, payments, and settlement on a bank-grade balance sheet. 

 

We expect consolidation to continue. With the field set to thin, bitFlyer, the last large independent and already private-equity owned, is an obvious next domino, and foreign platforms that want Japan are more likely to buy a licensed seat than build one. The prize is pole position for the institutional and ETF era that the June reforms have just unlocked.

 

Sources 
PitchBook, Press Release, bitbank, SBI Holdings Financial Report