ARCHITECT SUCCESSES

SEE ALL
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

Kraken’s Parent Payward to Acquire Bitnomial for $550M

Glenn Gottlieb
April 19th, 2026
DOWNLOAD FULL REPORT

Transaction Overview

On April 17th, Payward, the parent company of crypto exchange Kraken, announced a definitive agreement to acquire Bitnomial, the first fully CFTC-licensed crypto-native derivatives exchange in the U.S., for up to $550 million in cash and stock.

 

Target: Bitnomial

Founded in 2014 and based in Chicago, Bitnomial is a U.S. fully-regulated digital asset derivatives trading exchange. Bitnomial is the first and only crypto-native exchange company in the United States to hold all three CFTC-issued licenses (DCM, DCO, FCM) required to operate an end-to-end domestic crypto trading and derivatives business.

 

Bitnomial’s key offerings include physically delivered Bitcoin futures and options, perpetual futures, leveraged spot trading, and prediction markets, all on a single unified exchange and clearinghouse with digital asset margin and settlement capabilities. The platform also supports crypto-native settlement, crypto collateral, and continuous 24/7 trading.

 

Bitnomial’s regulatory journey spanned over a decade. The company received its DCM (Designated Contract Market) license in April 2020, enabling it to operate an exchange for margined and deliverable digital asset futures and options. In 2022, its subsidiary obtained FCM (Futures Commission Merchant), allowing it to accept customer orders and hold margin funds. In December 2023, the CFTC approved its clearinghouse (DCO) application, completing its full set of derivatives licenses.

 

Bitnomial has raised approximately $49 million across multiple rounds. Notable investors include Ripple, Electric Capital, Franklin Templeton, Jump Trading, DV Chain, Consolidated Trading, RRE Ventures, Coinbase Ventures, Belvedere Strategic Capital, Collab+Currency, Digital Currency Group, and O’Brien Investment Group.

 

Bitnomial has shown a strong growth in history. In the first half of 2024, Bitnomial Exchange traded over $130 million in notional value, a 1,081% increase year over year. The platform currently lists derivatives across over 10 underlying digital assets, which Bitnomial describes as the broadest CFTC-regulated crypto derivatives coverage in the U.S. by number of assets.

 

Bitnomial’s main competitors include Deribit | Coinbase, D2X, One Trading, as well as incumbent derivatives venues such as CME Group and Cboe, which have also expanded into crypto derivatives.

 

Buyer: Payward (Kraken)

Payward is the parent company of Kraken. Originally the legal entity behind Kraken, Payward was repositioned in February 2026 as a multi-brand holding platform. Payward currently encompasses Kraken, NinjaTrader, Breakout, Backed Finance, xStocks, and CF Benchmarks, as well as Payward Services, its B2B infrastructure arm.

 

Kraken, historically Payward’s operating brand and the flagship brand now, is one of the world’s largest cryptocurrency exchanges, founded in 2011 and headquartered in Cheyenne, Wyoming. The platform serves more than 15 million clients globally, providing trading across more than 300 digital assets and six national currencies, along with custody, staking, and institutional prime services.

 

Kraken has been aggressively expanding into derivatives and multi-asset trading through M&A. Its largest acquisition to date was the $1.5 billion purchase of NinjaTrader in March 2025 (M&A Alert), a leading U.S. retail futures trading platform and CFTC-registered FCM, which marked the largest-ever transaction combining traditional finance and crypto. Kraken also acquired Crypto Facilities, a U.K. FCA-regulated crypto futures platform, the predecessor of Kraken Futures.

 

The company has also expanded beyond the crypto exchange. In 2025, Kraken introduced commission-free trading for over 11,000 U.S.-listed stocks and ETFs, stepping into equities and tokenized stocks. The same year, it launched Krak, a P2P payments app for cross-border transfers.

 

For the full year of 2025, Payward reported adjusted revenue of $2.2 billion, a 33% increase year over year from $1.5 billion in 2024. Platform transaction volume reached $2 trillion, and the platform ended the year with $48.2 billion in assets and 5.7 million funded accounts. Trading-based revenue accounted for 47% of the total, with the remaining 53% from asset-based services, including custody, yield, payments, and financing.

In November 2025, Payward raised $800 million in funding at a $20 billion post-money valuation, with participation from Citadel Securities, Jane Street, and Apollo Global Management, and confidentially filed an S-1 with the SEC for a planned IPO. The IPO was paused in March 2026 due to market conditions, but was revived in April 2026 when co-CEO Arjun Sethi confirmed the filing remained active.

 

In the same week of the acquisition announcement, Deutsche Börse Group announced a $200 million investment for a 1.5% fully diluted stake of Kraken, which implies Kraken at a $13.3 billion valuation.

 

Transaction Parameters

Payward will acquire 100% of the outstanding equity of Bitnomial for up to $550 million, payable in cash and stock. Based on Bitnomial’s last round post-money valuation of $228 million in Jul 2024, the transaction represents a 2.4x of that valuation, or a 139% premium.

 

The specific breakdown of cash and equity was not disclosed.

 

Previous comparable transactions include: Coinbase | Deribit for $2.9B (M&A Alert), NinjaTrader | Kraken for $1.5B (M&A Alert), Hidden Road | Ripple for $1.25B (M&A Alert), and FairX | Coinbase (M&A Alert).

 

Strategic Rationale

Payward is acquiring Bitnomial to consolidate ownership of the domestic regulatory infrastructure required to offer U.S. clients a full suite of CFTC-compliant derivatives products, including spot margin –  perpetual futures, and options –  without reliance on third-party clearing or brokerage arrangements. Bitnomial’s DCM, DCO, and FCM licensed platform, built natively for crypto over more than a decade, represents infrastructure that cannot be replicated through partnerships or retrofitted from TradFi systems. By bringing all three licenses in-house, Payward eliminates structural dependencies and gains direct control of the settlement and clearing rails that define how derivatives markets function.

The integration across Kraken, NinjaTrader, and Payward Services creates a vertically integrated U.S. derivatives platform that can serve retail traders, institutional clients, and B2B partners through a single, regulated operating stack. With a potential IPO in view and Deutsche Börse now on the cap table, Payward is building the kind of institutional credibility and product completeness that public markets and institutional counterparties require.

 

Architect Partners’ Observations
This transaction is one of the most consequential in the current wave of crypto M&A, not because of its size, but because of what it represents structurally. Regulatory licenses are the scarcest and most defensible asset in U.S. digital asset markets today. Bitnomial’s CFTC trifecta took over a decade to build and reflects a category of asset that cannot be recreated quickly regardless of capital. Payward is not only buying revenue, but is more importantly buying a durable competitive position in the U.S. derivatives market at a moment when institutional demand for compliant crypto derivatives is accelerating rapidly.

 

The broader implication is that the race to own an end-to-end regulated derivatives operation in the U.S. is effectively over for Payward’s nearest competitors. Firms that do not control their own clearing and settlement infrastructure will face growing structural disadvantages as the market matures while paying margin to intermediaries, accepting product constraints, and losing the ability to innovate at the infrastructure layer. 

 

This deal also signals what a credible IPO candidate in the crypto exchange space looks like: multi-brand distribution, end-to-end regulated services, institutional backing, and a path to derivatives dominance. Payward is checking each of those boxes in rapid succession.

 

In light of this transaction, how Payward’s competitors navigate their strategic path forward will be one of the more interesting storylines to watch in U.S. crypto market structure over the next 12 to 24 months.

 

Sources 

PitchBook, Press Release, Payward, Kraken, Bitnomial