To our Coins.ph community,
As 2025 comes to a close, I am filled with immense pride and gratitude for what we have built together. This year, the global digital asset industry continued its journey from a period of uncertainty towards a new foundation defined by utility, transparency, and real-world value. At Coins.ph, we didn't just navigate this shift—we helped lead it.
For over a decade, our mission has been clear: to build a premier financial superapp for the Philippines and beyond. This year, that vision came into sharper focus more than ever. Our overarching vision is to become the leading crypto-native fintech in the emerging markets.
We have evolved from a trading platform to an essential, integrated part of our users' daily financial lives. In a dynamic market, our focus remained unwavering: to build resilient, useful, and trusted products that solve real problems. Our core objective is to lower friction and increase access for retail users and businesses in the real world. We serve these customers by building the best fiat-crypto infrastructure in emerging markets via licensing, technology, and liquidity.
True progress is measured not by promises, but by tangible execution. In 2025, our team of over 400 professionals across the globe delivered exceptional results that underscore our growing utility and trust:
1. Explosive Growth in Everyday Finance: Our platform's role in daily transactions saw unprecedented adoption. Total fiat transaction volume grew by 283% year-to-date. This is a signal that millions are choosing Coins.ph as their go-to wallet for life's essentials.
2. Crypto for Utility, Not Speculation: While markets fluctuated, adoption for practical use cases deepened. Total crypto trading volume grew 20%, fueled significantly by the use of stablecoins for faster and cheaper remittances. Our stablecoin deposits grew by 64%, reflecting a clear user shift towards assets designed for stability and real-world transfer of value.
3. A Growing, Global Community: We are now proud to serve 18.6 million registered users across our markets—a community that grows stronger every day.
Our impressive growth is underpinned by key strategic advantages:
A. Pioneering Regulatory Footprint: With crucial licensing in the Philippines (VASP, EMI, FX/remittance), Coins.ph is positioned as one of the few players with a fully compliant fiat-stablecoin infrastructure. We are actively fast-tracking further license acquisitions to expand this advantage.
B. Dominant Position in a $100 Billion Remittance Corridor: Coins.ph owns 75-80% of peso-to-stablecoin liquidity and is deeply embedded in the Philippines, one of the world’s largest retail and business remittance markets. This is fueling a fast-growing cross-border payments opportunity from Brazil, Nigeria, and other Global South locations.
C. Repeatable Go-To-Market (GTM) Model: Our repeatable GTM model is built on a globally scalable tech stack, allowing us to replicate our success with capital efficiency. Following our deep roots in the Philippines, we plan to launch in Latin America, Africa, and Europe using a proven localized playbook. Each new licensed market will become a local fiat-stablecoin hub, enabling 24/7 settlement and programmable payments.
D. Enterprise-Retail Flywheel: Our enterprise-retail flywheel creates a powerful, self-reinforcing ecosystem. The engagement and liquidity from our retail base attract enterprise clients seeking efficient, high-volume payment solutions. In turn, the stability and transaction depth provided by these enterprise partnerships enhance the utility, reliability, and overall experience for every retail user. This virtuous cycle is powered by our unified wallet, exchange, and payout platform.
The Pillars of Our Progress: Innovation, Compliance, and Trust
Our achievements this year are built on three core pillars that define our approach: practical innovation, proactive compliance, and earned trust.
1. Strategic Expansion and Product Innovation
We expanded our global footprint with hubs in Brazil, Thailand, Australia, Mauritius, Nigeria, and the EU through Coins.xyz. This isn't just geographical growth; it's a talent and innovation network fueling our core. This global engine powered the launch of critical B2B solutions:
A. Coins WebPay: Allowing merchants to integrate our wallet for instant, secure checkout.
B. The Business Portal: Giving enterprises a unified dashboard to manage crypto and payments at scale.
These tools are bridging the gap between digital assets and everyday commerce, today.
2. Regulatory Leadership as a Foundation for Trust
In the wake of past industry failures, transparency and proactive compliance are non-negotiable. We believe regulation, when done right, protects users and enables responsible innovation. This year, we made landmark progress:
A. We successfully submitted and exited the BSP Regulatory Sandbox for PHPC, our Philippine Peso-pegged stablecoin. This milestone validates PHPC's robustness, security, and compliance—paving the way for it to become a core engine for the future digital peso economy.
B. To safeguard our community, we formalized our partnership with the Philippine National Police Anti-Cybercrime Group, by signing a Memorandum of Agreement, enhancing our collective efforts to ensure a secure digital environment.
3. Forging Alliances That Extend Utility
No company builds the future alone. Our strategic partnerships are designed to multiply our users' access and power:
A. Through partners like Hashkey and BCRemit to name a few, we’ve enhanced global remittance corridors, making cross-border finance seamless.
B. Most excitingly, our strategic partnership with Ronin (subject to regulatory approvals) will connect Web3 to mainstream commerce. It aims to allow Ronin Wallet holders to use PHPC across over 600,000 QRPH-enabled merchants in the Philippines, truly bridging digital assets with the real economy.
2026 and Beyond: The Year of Utility and Scale
Looking ahead, I see 2026 as the year where vision meets execution at scale. The industry's focus will irrevocably shift from speculation to utility, and Coins.ph is positioned at the forefront.
Our roadmap is clear:
1. Mainstreaming PHPC: The full-scale rollout of our regulated stablecoin, PHPC, is our top priority. It is the key to unlocking a digital peso economy that reduces cost and friction for millions, from domestic payments to overseas remittances.
2. Strategic Global Expansion: Building on our momentum, we will enter new markets in Africa and Latin America, exporting our model of accessible, utility-driven digital finance.
3. Investing in Education and Community: We will launch the Bitcoin College Builder Program, strengthen our Coins Ambassador Program, and partner with Polkadot on a nationwide stablecoin education drive. An informed community is an empowered community.
A Final Word of Confidence
The path of innovation is never without challenges or external noise. Yet, my confidence in our team, our mission, and the undeniable utility of what we are building has never been stronger. Coins.ph was built for resilience and purpose.
We are not merely participants in the financial evolution of the Philippines and emerging markets; we are committed builders of its infrastructure. Thank you for your trust, and for being part of this journey. Here's to a 2026 defined by building, utility, and shared growth.
Sincerely,
Wei Zhou
Chief Executive Officer
Coins.ph