How do fintech companies make money?

Fintech companies generate revenue through multiple streams. Traditional fintech firms earn via transaction fees (charging users for transfers or payments), subscription models (monthly accounts or premium features), and interchange fees (small percentages from merchants). In crypto-focused fintech, revenue comes from trading fees on exchanges, lending interest on deposited crypto, staking rewards, and premium features. Some offer margin trading where they profit from funding rates. Many also generate income through partnerships, data analytics services, and advertising. Larger platforms diversify by offering multiple services—wallets, exchanges, lending, and investment tools—to maximize customer lifetime value and create additional revenue opportunities across their ecosystem.