Bitpanda Enterprise Powers Bulgaria’s First Bank-Integrated Crypto Offering with Fibank

The European financial landscape is evolving as digital assets become increasingly integrated into broader financial services. As adoption expands beyond specialist trading platforms, banks are exploring how to incorporate digital asset capabilities into existing customer experiences. For traditional credit institutions, this requires navigating the technical and operational requirements of integrating digital asset trading into established banking environments.

Bitpanda Enterprise provides the technology and infrastructure to support this integration. Through a single, integrated infrastructure layer, Bitpanda Enterprise enables financial institutions to embed digital asset capabilities directly into their existing customer journeys while simplifying the technical and operational setup.

Through a strategic partnership with Fibank (First Investment Bank), one of Bulgaria’s largest credit institutions, Bitpanda Enterprise is extending its presence across Central and Eastern Europe. Expected to launch by the end of 2026, the service will allow Fibank to offer digital asset trading to its more than one million customers through the My Fibank mobile app.

Pioneering digital asset access in Bulgaria

This collaboration makes Fibank the first bank in Bulgaria to offer direct access to crypto investments. It reflects a broader evolution in consumer finance: rather than navigating standalone crypto exchanges, customers can access digital assets within the banking environments they already use and trust.

By integrating Bitpanda Enterprise’s modular infrastructure, Fibank expands its digital offering without incurring long-term technical debt. Its customers will gain the ability to manage digital asset portfolios alongside their everyday fiat accounts, utilising single sign-on (SSO) and unified portfolio views.

Modular architecture and Investment as a Service (IaaS)

Delivered via Bitpanda Enterprise’s Investment as a Service (IaaS) model, the integration provides Fibank with a turnkey investment solution:

• Native banking integration: Fibank users can buy, sell and hold supported crypto assets directly inside the My Fibank app.
• Additional functionality: The solution supports automated savings plans, staking features, and real-time portfolio performance tracking as part of the native user experience.

Technical & operational architecture

The underlying system utilises a custom UI deployment (BE UI) backed by server-to-server API endpoints:

• Deployment model: Custom UI integration for user onboarding.
• Trading engine and execution: Real-time execution and continuous market data streams across supported virtual asset classes.
• Custody and safekeeping: Institutional-grade custody architecture, order execution, and ledger management handled directly within the Bitpanda Enterprise stack.

Executive perspectives

"Digital assets are becoming part of mainstream finance, and banks are playing a central role in that shift. At Bitpanda Enterprise, we provide the infrastructure and technology for that. Together with Fibank, we are putting that into practice in Bulgaria, bringing crypto to more than one million customers through a banking experience they already know and trust."

— Nadeem Ladki, Global Head of Bitpanda Enterprise

"Customer financial habits are evolving rapidly, and it is vital for My Fibank to innovate alongside them. The partnership with Bitpanda is a natural next step in the development of the application as a digital platform through which customers can conveniently use an ever-wider range of financial solutions. For us, it is particularly important that this new opportunity is being realised alongside an established European technology partner and in compliance with applicable European requirements."

— Nikola Bakalov, Chief Executive Officer at Fibank

Core pillars of the partnership

• Institutional trust and compliance: Built on strict compliance with European standards and Anti-Money Laundering (AML) due diligence frameworks.
• Speed to market: Fibank accelerates time-to-market by connecting directly to production-ready digital asset infrastructure.
• Single accountable partner: Bitpanda Enterprise acts as the end-to-end partner across the value chain, handling liquidity, execution, ledger management and custody.
• System-first simplicity: Helps streamline the operational setup by integrating virtual asset capabilities directly into existing banking architecture.

To explore how Bitpanda Enterprise can power digital asset capabilities for your institution, get in touch via our contact form.

Disclaimer: This article is for informational purposes only and does not constitute financial, investment, or legal advice. Investing in digital assets carries risks. In extreme cases, the invested amount may be lost completely. Understand all risks before investing. Digital asset offerings remain subject to applicable regional regulations and regulatory approvals.