Key Developments
Crypto.com has announced a new partnership with e& money, the fintech division of the regional technology conglomerate e&. This collaboration aims to provide everyday users in the United Arab Emirates (UAE) with more direct and streamlined access to digital assets. The partnership will integrate Crypto.com’s infrastructure into e& money’s existing financial ecosystem.
Initially, the focus will be on trade execution. e& money will leverage Crypto.com’s liquidity pools, including its USD marketplace, to facilitate faster and more efficient cryptocurrency transactions. Both companies have indicated plans for broader integrations, subject to regulatory approvals. Future possibilities include custody services, merchant payments, and programmable settlement flows, which could make cryptocurrencies more familiar to consumers in the UAE.
This collaboration exemplifies a trend where traditional fintech companies partner with established global exchanges instead of building their own crypto infrastructure from the ground up. Such partnerships typically accelerate local adoption and enhance liquidity depth.
Significance for the UAE
Cryptocurrency activity in the Middle East has seen consistent growth over the last three years, with the UAE emerging as a leader due to its clear regulatory environment and a population that readily adopts digital payments. A key missing element has been a robust connection between consumer-facing fintech applications and sophisticated crypto infrastructure.
This partnership addresses that gap. e& money possesses established trust and distribution channels, while Crypto.com brings expertise in liquidity, compliance, and technical infrastructure. Together, they aim to integrate crypto more seamlessly into daily financial activities, encompassing trading, payments, transfers, and earning programmable rewards.
Eric Anziani, COO of Crypto.com, stated that the goal is to offer "more ways to access and use crypto in their everyday lives." Melike Kara Tanrikulu, CEO of e& money, highlighted the potential for novel settlement models and accelerated financial flows that are not available in traditional financial systems.
Competitive Landscape Context
Crypto exchanges globally are actively seeking similar partnerships, but many collaborations remain at a superficial level. This particular alliance extends to infrastructure-level integration, with e& money exploring the use of Crypto.com’s rails for parts of its financial operations.
For Crypto.com, this partnership strengthens its presence in a region of growing importance to its global operations. For e& money, it offers a practical way to introduce crypto capabilities without the need to develop its own complex systems, especially as regulatory expectations in the UAE continue to evolve.
The timing of this announcement is noteworthy. UAE regulators have been diligent in establishing a framework that balances innovation with consumer protection. The companies’ statements suggest confidence that the region is prepared for more advanced crypto-enabled financial tools beyond speculative trading.
If successfully implemented, this partnership could significantly advance the adoption of crypto in consumer payments. Historically, such a shift leads to increased stablecoin usage, enhanced liquidity, and greater institutional engagement in the region.
Future Outlook
While the full roadmap is still developing, both companies have indicated several potential areas for future collaboration:
- •Integration of merchant crypto payments into e& money’s network.
- •Development of custody partnerships for regulated digital asset storage.
- •Implementation of programmable settlement layers for both corporate and retail applications.
- •Introduction of on-chain reward systems linked to e& money’s existing product offerings.
The realization of many of these initiatives depends on securing regulatory approvals. However, the overarching intention is to embed crypto within the financial system, making it as accessible as common digital transactions.
For Crypto.com, this collaboration reinforces its strategic expansion across the Middle East, building on its compliance-focused initiatives in 2024 and 2025. For e& money, this represents a calculated investment in the expectation that digital assets will become an integral part of consumer finance in the coming decade, moving beyond transient trends to become a standard for value transfer.
Should the broader cryptocurrency market continue to stabilize and the regulatory environment remain supportive, the UAE could become a leading region for the widespread adoption of crypto-powered financial tools. This partnership moves that scenario closer to becoming a reality.

