Revolut has accomplished a secondary share sale that values the London-based fintech at $75 billion, representing a 67% soar from its $45 billion valuation simply 12 months in the past and cementing its place as Europe’s most beneficial personal firm.
The November 24 transaction was led by Coatue, Greenoaks, Dragoneer, and Fidelity Administration & Analysis Firm, with participation from Andreessen Horowitz, Franklin Templeton, T. Rowe Value Associates, and NVentures – the enterprise capital arm of chip big NVIDIA. The deal allowed present workers to promote shares in what marks the fifth liquidity occasion Revolut has supplied to employees since its founding.
The valuation surge coincides with aggressive enlargement of Revolut’s cryptocurrency choices, together with a Polygon Labs partnership that has already processed greater than $690 million in blockchain-based transactions and a regulatory license enabling crypto companies throughout 30 European international locations. The corporate’s wealth division, which incorporates digital belongings, noticed income surge almost 300% year-over-year.
Document Monetary Efficiency Fuels Investor Urge for food
Revolut’s escalating valuation displays distinctive monetary momentum. The corporate generated $4 billion in revenue throughout 2024, a 72% enhance from the earlier 12 months, whereas pre-tax revenue jumped 149% to $1.4 billion. Revolut Enterprise, the corporate’s company companies arm, now produces $1 billion in annualized income by itself.
The fintech has expanded its buyer base past 65 million customers worldwide, with roughly 14 million actively buying and selling cryptocurrencies on the platform. This represents 22% of Revolut’s complete person base participating with digital belongings.
“This milestone displays the outstanding progress now we have made within the final twelve months in the direction of our imaginative and prescient of constructing the primary actually world financial institution, serving 100 million prospects throughout 100 international locations,” mentioned Nik Storonsky, Revolut’s CEO and co-founder, in an announcement.
The corporate’s Chief Monetary Officer Victor Stinga added that “the extent of investor curiosity and our new valuation mirror the power of our enterprise mannequin, which is delivering each speedy progress and powerful profitability.”
NVIDIA Partnership Hints at AI-Powered Monetary Providers
The inclusion of NVentures as an investor carries strategic significance past capital. The funding deepens Revolut’s collaboration with NVIDIA in synthetic intelligence functions, in accordance to the corporate’s announcement.
NVIDIA’s market capitalization has exceeded $3 trillion in 2025 as demand for AI chips powering massive language fashions and machine studying methods continues accelerating. The chipmaker’s funding in Revolut suggests the fintech is positioning AI capabilities as core infrastructure for future product improvement.
Revolut has previewed plans for AI-powered options in its 2025 roadmap, together with a synthetic intelligence assistant designed to assist prospects make monetary choices. The NVIDIA backing may speed up improvement of machine studying fashions for fraud detection, personalised monetary recommendation, and automatic customer support.
Polygon Integration Processes $690M in Blockchain Transactions
Revolut’s most seen crypto enlargement got here by means of its November partnership with Polygon Labs, which permits UK and European Financial Space prospects to ship cryptocurrency remittances utilizing USDC, USDT, and POL tokens through the Polygon blockchain.
The mixing has demonstrated fast traction. By mid-November, Revolut customers had processed over $690 million in transaction quantity throughout the Polygon community, with the blockchain dealing with 153 million stablecoin transactions through the previous month alone. Polygon hosts roughly $3.6 billion in complete stablecoin provide.
“This integration with Revolut represents precisely the sort of real-world utility for on a regular basis folks we have been constructing towards,” mentioned Marc Boiron, CEO of Polygon Labs. “By making blockchain funds invisible to the tip person, built-in with on a regular basis conventional fee experiences, and delivering superior velocity and price effectivity, we’re seeing the way forward for finance unfold.”
The partnership leverages Polygon’s value effectivity – common transaction charges of fractions of a cent – to allow near-instant worldwide transfers. Revolut doesn’t cost switch charges on Polygon-based remittances, although customers pay commonplace blockchain community gasoline charges.
Customers can even stake POL tokens straight by means of the Revolut app, incomes up to 4% annual yield, whereas Revolut Ramp supplies direct fiat-to-wallet onboarding for the Polygon ecosystem. The mixing consists of help for Revolut’s crypto-enabled Visa and Mastercard playing cards.
MiCA License Unlocks Pan-European Crypto Distribution
A important regulatory milestone got here in October when Revolut secured a Markets in Crypto Assets license from the Cyprus Securities and Alternate Fee. The authorization permits Revolut to provide crypto companies throughout all 30 EEA international locations below Europe’s unified digital asset regulatory framework.
“Securing the licence displays CySEC’s belief in our regulatory requirements,” mentioned Costas Michael, CEO of Revolut Digital Property Europe. “MiCA provides us the readability to ship trusted, next-generation crypto merchandise for Europe’s rising digital finance group.”
The MiCA framework, which grew to become absolutely relevant in December 2024, establishes transparency necessities, custody safeguards, and shopper safety requirements for crypto service suppliers. Revolut positions among the many first main fintechs working absolutely below the unified European crypto rulebook.
Cyprus now serves as Revolut’s central hub for EEA crypto operations by means of its entity Revolut Digital Property Europe Ltd, which seems on CySEC’s crypto asset service supplier register. The licensing construction supplies regulatory readability as Revolut scales crypto choices throughout the continent.
Crypto 2.0 Platform Triples Token Choice
Coinciding with MiCA approval, Revolut launched its Crypto 2.0 platform with dramatically expanded capabilities. The platform now helps greater than 280 tokens, almost tripling the roughly 100 beforehand out there by means of the Revolut app.
Crypto 2.0 introduces zero-fee staking with rewards reaching up to 22% annual share yield on choose tokens. The platform additionally permits 1:1 stablecoin-to-USD conversions with out spreads, eliminating a typical friction level for customers shifting between crypto and fiat currencies.
The expanded providing integrates with Revolut X, the devoted crypto change the corporate launched in 2024 for knowledgeable merchants. Revolut X costs buying and selling charges between 0.00% and 0.09%, positioning on the low finish of business pricing. The change initially launched on desktop earlier than increasing to cellular apps by means of Apple’s App Retailer and Google Play.
The mixed crypto infrastructure positions Revolut to compete straight with specialised platforms like Coinbase and Binance for European market share, whereas leveraging its broader monetary companies ecosystem as a aggressive benefit.
International Banking Licenses Help Geographic Expansion
Revolut’s valuation milestone displays momentum past cryptocurrency. The corporate secured banking authorizations in Mexico and Colombia throughout 2025, with launches in each markets imminent. Revolut can also be getting ready to enter India and extra Latin American international locations.
The India enlargement carries specific strategic significance. In April 2025, India’s Reserve Financial institution granted Revolut authorization to difficulty home pay as you go playing cards and wallets built-in with the Unified Funds Interface, clearing regulatory hurdles for a full-scale launch in one in all Asia’s fastest-growing fintech markets.
These banking licenses allow Revolut to provide complete monetary companies – together with checking and financial savings accounts, loans, and funding merchandise – fairly than working purely as a funds and cash switch app. The geographic enlargement helps Storonsky’s ambition of constructing “the primary actually world financial institution” serving 100 million prospects throughout 100 international locations.
Further 2025 initiatives embody Portuguese IBAN launches affecting 2 million prospects, AI-powered monetary help instruments, and expanded mortgage choices in Lithuania, Eire, and France.
Last ideas
Revolut’s twin achievement – document valuation alongside crypto enlargement – exemplifies accelerating convergence between conventional monetary companies and digital belongings. The corporate joins Stripe, which processes majority stablecoin quantity on Polygon, and Mastercard, which just lately launched verified username companies utilizing Polygon infrastructure, in integrating blockchain rails into mainstream finance.
The $75 billion valuation considerably exceeds that of pure-play crypto exchanges regardless of Revolut’s diversified enterprise mannequin. Coinbase, the biggest U.S. cryptocurrency change, trades round $60 billion market capitalization, whereas Kraken just lately raised funds at a $20 billion valuation.
The premium suggests traders worth Revolut’s capability to distribute crypto companies by means of a longtime platform serving mainstream customers, fairly than requiring customers to navigate specialised crypto venues. The corporate’s 65 million customers present fast distribution benefits for introducing digital asset performance to prospects who could by no means have thought-about opening a Coinbase or Kraken account.
As regulatory frameworks like MiCA set up clearer tips for institutional crypto participation, Revolut’s built-in strategy – combining conventional banking, funds, investments, and digital belongings in a single platform – could show extra interesting to mainstream customers than standalone crypto companies. The backing from expertise giants like NVIDIA and established monetary companies like Fidelity indicators institutional confidence in that convergence thesis.
