Philippines’ GoTyme Bank Rolls Out In-App Crypto Services

Published on: December 8, 2025, 5:47 AM EST

GoTyme Bank is bringing cryptocurrency investing to the fingertips of over 6.5 million Filipinos through a new feature in its mobile app.

Key Takeaways

GoTyme Bank has launched crypto trading services via its mobile app, in partnership with US fintech firm Alpaca.
Users can now buy 11 crypto assets, including Bitcoin, Ethereum, and Solana, through automatic peso-to-USD conversion.
The integration focuses on simplicity and security, aiming to make crypto accessible to everyday users.
The move supports GoTyme’s vision to expand financial inclusion in the Philippines and Southeast Asia.

What Happened?

GoTyme Bank, one of the fastest-growing digital banks in the Philippines, has launched a new in-app cryptocurrency investment feature. This rollout follows a partnership with Alpaca, a US-based fintech firm known for powering financial infrastructure APIs across stocks, ETFs, options, and crypto.

GoTyme Bank now offers in-app crypto trading for 6.5M users 🚀
11 assets live — BTC, ETH, SOL, DOT & more.
Built for beginners. Expansion next: Vietnam + Indonesia.#GoTymeBank #Crypto pic.twitter.com/pdNocgdm05
— The Coin Republic (@TCR_news_) December 8, 2025

GoTyme Bank Enters Crypto with a Simplicity-First Approach

GoTyme Bank now enables users to buy and store 11 popular cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), and Polkadot (DOT) directly through its mobile banking app. The feature allows for instant peso-to-USD conversion, eliminating the need for external apps or complicated exchanges.

CEO Nate Clarke emphasized the product’s goal to offer crypto access without technical barriers. Clarke said:

“

Our product focuses on simplicity and reliability, designed for people who want to buy crypto confidently without complicated technical analysis or managing multiple apps.

The app’s integration with Alpaca allows users to:

Open a GoTyme Crypto USD account using their existing GoTyme Bank Everyday account.
Make on-demand crypto investments within a secure and regulated environment.
Access real-time market insights and news to support decision-making.

The app is designed to let users open a bank account and debit card in under five minutes, creating a frictionless path to digital finance.

Partnership with Alpaca Powers the Backend

Alpaca’s technology underpins GoTyme’s crypto infrastructure. With support for over 8 million brokerage accounts globally, Alpaca provides regulated access to digital assets through its Broker API.

Alpaca CEO Yoshi Yokokawa said:

“

We’re proud to support GoTyme Bank in making crypto trading simple and accessible for everyday users and capturing the growing convergence of traditional finance and digital assets.

Crypto Adoption Surging in the Philippines

The Philippines ranks ninth globally in crypto adoption, according to the 2025 Global Crypto Adoption Index by Chainalysis. With around 10 percent of Filipinos already using crypto and projections estimating nearly 13 million users by 2026, the demand is rising fast.

A key driver of this adoption is the country’s 76 percent unbanked and underbanked population, who are turning to digital-first solutions to access financial tools that traditional institutions have failed to provide. Government support and a young, tech-literate population have created a fertile ground for crypto growth.

GoTyme’s Bigger Picture: Southeast Asia Expansion

Launched in October 2022 as a joint venture between Singapore-based Tyme Group and the Filipino Gokongwei Group, GoTyme has quickly scaled to over 6.5 million customers. Clarke confirmed the company is not targeting short-term profits but is focused on growth and customer engagement, with profitability expected in 2027.

Plans are already in motion to expand into Vietnam and Indonesia, where digital banking adoption is also accelerating.

CoinLaw’s Takeaway

In my experience watching digital banks evolve, this is one of the cleanest rollouts of crypto services in Southeast Asia. GoTyme is smartly bypassing the complexity that usually keeps first-time crypto users at bay. Instead of flashy trading tools and charts, they are banking on trust, simplicity, and accessibility. That’s a bold yet wise move in a country where millions still don’t have access to traditional banking. With Alpaca backing the infrastructure, the security and compliance side is strong too. I found it especially impressive that GoTyme is building for the future, not rushing to monetize right away. This is what long-term disruption looks like.