Spain’s financial sector is undergoing a technological transformation. Major banks are launching their own digital platforms, while the startup ecosystem is generating new business models.
BBVA ➡️ Wipöp: Payments Without Bank Linking
BBVA has introduced Wipöp — a new digital platform for small businesses and self-employed professionals, with full launch expected in the first half of 2026. The service will start with online commerce solutions and later expand to physical terminals and social media sales, integrating card payments, Bizum, Google Pay, and Apple Pay into a single control panel.
A key feature of Wipöp is its complete independence: acquiring services will be available to clients of any bank, without requiring a BBVA account. The pilot program will start as early as December 2025, offering entrepreneurs flexible employee access settings and real-time financial monitoring.
CaixaBank ➡️ Q€: First Regulated Stablecoin
CaixaBank, in partnership with fintech Qivalio, is launching Q€ (Q-Euro) — Spain’s first euro-backed electronic currency approved by the Bank of Spain under the MiCA regulation. The joint venture, with CaixaBank holding 49%, will pioneer the legal issuance of crypto assets fully backed by real funds.
The project is focused exclusively on the corporate sector and aims to speed up international payments and supply chain operations. The platform will go live in 2025, providing businesses with instant and transparent transactions using blockchain technology while bypassing traditional banking delays.
⬆️ Top 5 Most Promising Fintech Startups in Spain
El Referente has published a list of the 15 most promising fintech startups in Spain.
The new wave of entrepreneurs is going beyond traditional banking, introducing advanced financial models to the market.
BBVA ➡️ Wipöp: Payments Without Bank Linking
BBVA has introduced Wipöp — a new digital platform for small businesses and self-employed professionals, with full launch expected in the first half of 2026. The service will start with online commerce solutions and later expand to physical terminals and social media sales, integrating card payments, Bizum, Google Pay, and Apple Pay into a single control panel.
A key feature of Wipöp is its complete independence: acquiring services will be available to clients of any bank, without requiring a BBVA account. The pilot program will start as early as December 2025, offering entrepreneurs flexible employee access settings and real-time financial monitoring.
CaixaBank ➡️ Q€: First Regulated Stablecoin
CaixaBank, in partnership with fintech Qivalio, is launching Q€ (Q-Euro) — Spain’s first euro-backed electronic currency approved by the Bank of Spain under the MiCA regulation. The joint venture, with CaixaBank holding 49%, will pioneer the legal issuance of crypto assets fully backed by real funds.
The project is focused exclusively on the corporate sector and aims to speed up international payments and supply chain operations. The platform will go live in 2025, providing businesses with instant and transparent transactions using blockchain technology while bypassing traditional banking delays.
⬆️ Top 5 Most Promising Fintech Startups in Spain
El Referente has published a list of the 15 most promising fintech startups in Spain.
The new wave of entrepreneurs is going beyond traditional banking, introducing advanced financial models to the market.
