In this post , I will tackle the Best Crypto Wallet APIs for Fintech Apps and how these APIs assist companies in safely managing digital assets, simplifying payments, and seamlessly integrating blockchain technology into their systems.
- Key Points & Best Crypto Wallet APIs For Fintech Apps
- 10 Best Crypto Wallet APIs For Fintech Apps
- 1. Zerion API
- 2. CoinGecko API
- 3. CoinMarketCap API
- 4. CryptoCompare API
- 5. Alchemy API
- 6. Moralis API
- 7. BitPay API
- 8. Chainalysis API
- 9. BlockCypher API
- 10. Kraken API
- How We Choose Best Crypto Wallet APIs For Fintech Apps
- Cocnsluion
- FAQ
These APIs, along with real-time wallet information, multi-chain capabilities, and exceptional security, are vital for empowering fintech applications with greater wallet technology and are important for developing superior crypto solutions.
Key Points & Best Crypto Wallet APIs For Fintech Apps
| API | Key Point |
|---|---|
| Zerion API | Portfolio-ready onchain data including balances, tokens, NFTs, and transactions |
| CoinGecko API | Comprehensive crypto market data with prices, charts, and metadata |
| CoinMarketCap API | Global crypto rankings and detailed coin metrics |
| CryptoCompare API | Historical and real-time data for coins and exchanges |
| Alchemy API | Scalable blockchain infrastructure with developer-friendly tools |
| Moralis API | Web3 integration toolkit for authentication, balances, and NFTs |
| BitPay API | Payment gateway support for crypto transactions |
| Chainalysis API | Compliance and risk monitoring for fintech apps |
| BlockCypher API | Multi-chain wallet operations with transaction and address data |
| Kraken API | Exchange-grade trading and wallet data for fintech integrations |
10 Best Crypto Wallet APIs For Fintech Apps
1. Zerion API
Developers can utilize Zerion’s APIs to track on-chain assets and real-time DeFi portfolio updates. Fintech applications can access user token balances, transaction logs, and liquidity pool positions across numerous chains.
Zerion, with its aggregation, converts complicated on-chain data to usable formats. This provides users with features such as net-worth calculators and portfolio trackers.
It also supports Ethereum and a variety of EVM-compatible chains, allowing applications to provide DeFi insights without backend infrastructure.
Zerion’s APIs are primarily designed for applications that provide decentralized finance, wealth management solutions, and personal finance dashboards that require up-to-the-moment blockchain data.
Zerion API – Key Features
- Wallet Aggregation: Automatic combination of wallet balances and transaction history for multiple wallets across different blockchains.
- DeFi Insights: Users can access detailed information about their crypto holdings, liquidity pools, and overall net worth.
- Cross-Chain Functionality: Compatible with all EVM chain networks for better asset accessibility.
- Developer Friendly: JSON outputs are refined to make integration with dashboards and financial applications seamless.
| Pros | Cons |
|---|---|
| Aggregates on-chain wallet data across many blockchains, helping fintech apps present comprehensive portfolio overviews. | Focuses mainly on DeFi and wallet aggregation — not designed for trading execution or payment processing. |
| Simplifies complex on-chain data into easy responses for balance tracking and transaction history. | May require deeper blockchain knowledge to interpret advanced DeFi metrics accurately. |
| Supports many EVM-compatible chains with broad asset insights. | Free tier may be limited for high-volume use cases. |
| Ideal for portfolio dashboards and net-worth features. | Not a full node provider; depends on Zerion infrastructure. |
2. CoinGecko API
Fintech apps can use CoinGecko for live price feeds, watchlist features, and analytics tools powered by the API. CoinGecko has comprehensive cryptocurrency market data, historical charts, and volume details.
They offer data on thousands of coins and tokens, market caps, community data, trends, and over 300 exchanges. They also make data on Derivatives, Exchange Info, and Global Market Stats available.
They provide extensive coverage and generous documentation. CoinGecko is especially good for small groups and startups due to its extensive free tier. It’s considered a cornerstone trading and wallets market data vendor for fintech.
CoinGecko API – Key Features
- Price Information: Access to historical and real-time prices for 4000+ cryptocurrencies in the market.
- Market Information: Lists the volume, market capitalization, ranking, supply, and other important details of each asset.
- Exchange Information: Provides information about the trading volume of different exchanges globally.
- Additional Features: Gives information about trending coins, global market stats, and provides basic coin conversion functionality.
| Pros | Cons |
|---|---|
| Offers extensive real-time and historical market data for thousands of coins. | Primarily market data — not wallet management or transaction broadcasting. |
| Strong global pricing and volume metrics for analytics and portfolio valuation. | Free tier may have rate limits for large applications. |
| Covers exchange data, trending assets, and community metrics. | Does not directly support sending or receiving transactions. |
| Easy to integrate for price tickers and watchlists. | Limited specialized financial endpoints beyond standard market metrics. |
3. CoinMarketCap API
Fintech platforms globally utilize CoinMarketCap API due to its accurate and reliable data for cryptocurrency market analytics. It offers real-time data for pricing, market cap, circulating supply, and exchange ratings.
It also allows its users to obtain enriched metadata like descriptions for projects and logs and classify them by sector.
By using it, fintech developers can implement price tickers, assess value in portfolios, and analyze data over time.
Higher premium tiers offer even more detailed analytics, data conversion, and performance at an enterprise level.
It is a trusted and reliable for analytics and real-time predictions, which makes it a good option for apps that need to monitor market trends closely.
CoinMarketCap API – Key Features
- Market Information: Reliable data regarding market supply, prices, and cap of various coins.
- Metadata: Each asset has various details attached, such as project descriptions, logos, and sector classifications.
- Market Data: Access to historical data, analytics, and global market trends.
- Exchange Data: Access to trading data, as well as market rankings for different exchange platforms.
| Pros | Cons |
|---|---|
| Trusted source for real-time pricing, market cap, supply, and rankings. | Market data only — no native wallet management features. |
| Rich metadata (project descriptions, sectors) for informative dashboards. | Advanced analytics often require paid plans. |
| Useful for valuation, watchlists, and asset screening. | Free tier has strict request limits compared to paid tiers. |
| Well-structured JSON responses simplify development. | Does not provide transaction data or blockchain actions. |
4. CryptoCompare API
CryptoCompare is one such platform that has developed an API that provides comprehensive market data (such as on prices, trades, volumes, order books, etc.) from multiple exchanges.
It is built primarily for fintech apps that require a complete market overview, inclusive of aggregated data with historic time-series info.
With social data, mining info, and metadata, it has more to offer than just pricing. CryptoCompare APIs come in both REST and WebSocket formats, where WebSocket is particularly useful for real time updates on dashboards, dashboards, and trading apps.
Because the API is savy from basic crypto data to more advanced insights and analytics, developers can choose from several pricing plans with different data access levels. crypto apps.
CryptoCompare API – Key Features
- Aggregated Market Data – CryptoCompare collects information, such as prices, volume, and order book snapshots from various sources and combines them into one.
- Historical Time-Series – CryptoCompare has extensive historical charts data to offer users.
- Real-Time Feeds – REST and WebSocket streaming allow for dashboards to update live.
- Social Sentiment and Other Stats – social sentiment and mining statistics.
| Pros | Cons |
|---|---|
| Provides aggregated price, volume, historical data, and order books. | Mainly unifies market data — not focused on wallet transactions or blockchain actions. |
| Includes additional data like social sentiment and mining stats. | Some advanced features may be paid. |
| Supports REST and WebSocket for real-time updates. | Requires handling multiple endpoints for full data coverage. |
| Good choice for analytics, dashboards, and portfolio insights. | Not intended for payment processing or wallet generation. |
5. Alchemy API
The Alchemy API is a journeying blockchain infrastructure API that is developer oriented and eases the use of Ethereum and other chains.
Rather than building complete nodes, fintech apps use Alchemy to complete transactions, check the balances of wallets, fetch historical information, and listen to smart contracts events through high-performance endpoints.
Alchemy’s added uptime, reliability and caching increases speed and is invaluable for operations that require real time wallets and on-chain analytics.
Alchemy also provides debugging tools and tools that help in the monitoring of blockchain activity, as well as tools for notifications and other dashboard.
By abstracting the complexities of blockchain, Alchemy enables the developer to concentrate on the features of the product such as token transfers
Secure management of wallets and the integration of DeFi, without the complexities that come with managing the nodes.
Alchemy API – Key Features
- Abstraction from Blockchain Nodes – Developers access read/send transactions without the need to host nodes.
- Event Subscription – Listeners for smart-contract events and real-time logs.
- High Reliability – Optimized performance and uptime for wallet and transaction services.
- Developer Tools – Tools such as built in debuggers, dashboards, and debugging endpoints.
| Pros | Cons |
|---|---|
| Provides high-performance blockchain infrastructure for Ethereum and other chains. | Focused on blockchain node interaction — not a complete market data API. |
| Enables sending & signing transactions, balance queries, and event listeners. | Requires understanding of blockchain concepts (contracts, gas, nodes). |
| Reliable and scalable for real-time wallet operations. | Costs can rise with heavy usage and large request volumes. |
| Great for decentralized wallet features and custom logic. | Lesser focus on pricing or market analytics. |
6. Moralis API
Moralis API is a powerful back-end as a service provider to simplify the process of developing Web3 applications.
It unifies multiple APIs to allow developers to easily build blockchain-agnostic apps for wallet auth, transaction monitoring and NFT data.
Fintech apps utilize Moralis for event-streaming services on blockchain transfers and approvals to drive real-time balance displays and transaction histories.
Moralis’ cross-chain and scalable infrastructure simplifies the development of multi-chain wallets and portfolio trackers.
It also offers plugins for various languages and frameworks for easier integrations. With cloud functions and database sync services, Moralis offers tools to better structure and query wallet and blockchain data for use on the frontend.
Moralis API – Key Features
- Multi-Chain Wallets – Ability to retrieve wallet balances, NFTs, and transactions across multiple chains.
- Real-Time Updates – Receive live activity reports via webhooks and activity tracking.
- Backend Synchronization – Automated syncing from blockchain to structured databases.
- Developer SDKs – Developers are given libraries which allow for simple and quick integrations into applications and web front-end systems.
| Pros | Cons |
|---|---|
| Unified APIs for balances, NFTs, transactions across multiple chains. | May include features beyond what some apps need, adding complexity. |
| Real-time event subscription and webhooks. | Paid tiers needed for high throughput or enterprise needs. |
| Simplifies Web3 backend with SDKs and database sync. | Some data normalization rules may limit custom queries. |
| Makes multi-chain wallet support easier. | Not primarily focused on price data or market metrics. |
7. BitPay API
Bitpay API is used in crypto wallet and payment processing. It’s used by most fintech companies that wish to manage and accept crypto transactions seamlessly. It allows sending and receiving payments in Bitcoin, Litecoin, Ethereum, and stablecoins.
It also has invoice, billing, and settlement features. Additionally, Bitpay allows conversions to fiat, enabling apps to manage price volatility more seamlessly.
For apps’ wallet functionality, developers can create wallet addresses, and are able to monitor transactions and automate payouts.
Bitpay has strong security, compliance, and regulatory tools to help fintech companies meet requirements. Bitpay’s ecosystem is ideal for apps that require commerce/remittance support payment processing and wallet infrastructure.
BitPay API – Key Features
- Payment Processing in Crypto – Users can create invoices and accept payments in various cryptocurrencies.
- Wallet and Address Tools – users can create wallet addresses and track their transactions.
- Settlement Options – Users can choose to convert their crypto payments into stablecoins or fiat.
- Billing & Recurring: Recurring billing support as part of your fintech services.
| Pros | Cons |
|---|---|
| Strong for payments and wallet services with invoice support. | Focused on payment processing more than blockchain data analytics. |
| Works with BTC, ETH, LTC, stablecoins, and settlement options. | Less suited for comprehensive market data or advanced analytics. |
| Allows address generation and transaction tracking. | May require compliance and onboarding processes. |
| Good choice for fintech apps needing crypto payments. | Not ideal for portfolio aggregation across many blockchains. |
8. Chainalysis API
Chainalysis provides APIs for blockchain-based analytics, which are useful for compliance, risk assessment, and transaction screening.
Differently from other market data APIs, Chainalysis assists fintech apps in determining the risk level for wallets and transactions by flagging potentially harmful addresses.
This assists with KYC/AML obligations, fraud detection, and compliance risk mitigation. Developers have the ability to search transaction histories, classify counterparties, and create suspicious activity alerts.
For wallet apps that hold user funds, Chainalysis helps by preventing the exposure to and blocking the transaction(s) from high-risk addresses.
For data and analytics models, it’s a top-tier API for fintech apps that prioritize the safety and regulatory compliance of their applications.
Chainalysis API – Key Features
- Risk Scoring: Complying addresses and transactions and risk levels.
- AML Monitoring: Identifying patterns related to potentially harmful activities.
- Transaction Forensics: Comprehensive tracing of previous blockchain activities.
| Pros | Cons |
|---|---|
| Provides risk scoring and AML insights for addresses. | Heavy focus on compliance — not a general market API. |
| Helps identify suspicious or illicit transactions. | Costly for small teams or startups. |
| Essential for risk-aware wallet monitoring and KYC/AML workflows. | Requires regulatory knowledge for proper use. |
| Adds security and trust analytics to fintech apps. | Not designed for wallet functions like balance queries or transfers. |
9. BlockCypher API
BlockCypher API supports a wide range of blockchain web services such as Ethereum, Litecoin, Bitcoin, and other major networks.
It covers address generation, transaction broadcasting, fee estimation, balance inquiries, and basic wallet management.
It is quite simple for fintech developers to integrate blockchain functions due to the simplicity of the RESTful interface.
For responsiveness in wallet apps, BlockCypher offers webhooks to notify real-time events such as incoming transactions.
Microtransactions, multi-sig wallets, and payment forwarding are part of the advanced developer tools. With unwavering documentation and scalable infrastructure, BlockCypher increases speed in time-to-market and lessens the complexities of the backend.
For applications that need significant wallet functions without the need to keep complete blockchain nodes, it is notably beneficial.
BlockCypher API – Key Features
- Wallet Management: Manage wallets by creating addresses, checking balances, and sending transactions.
- Webhooks: Notifications for any incoming or outgoing transactions.
- Multi-Chain Support: Support for Bitcoin, Ethereum, Litecoin, and other cryptocurrencies.
- Fee Estimation: receives suggestions to improve confirmation times for transactions by adjusting fees.
| Pros | Cons |
|---|---|
| Offers REST endpoints for wallet generation, balances, tx broadcasts. | Not as comprehensive for pricing or analytics compared to market APIs. |
| Supports major blockchains like BTC, ETH, LTC. | Advanced features may require paid plans. |
| Webhook notifications for incoming transactions improve responsiveness. | Limits on throughput depending on the plan. |
| Simplifies blockchain interaction without running full nodes. | Not built for deep DeFi or smart-contract analytics. |
10. Kraken API
The Kraken API is provided by one of the oldest and most respected regulated crypto exchanges and offers features for accessing market data, trading, and account management.
Fintech applications that integrate this API can access pricing data, charts over a specified time period, and order book depth.
Furthermore, apps can enable trading and deposit/withdrawal functionalities and portfolio syncing with Kraken under the right user permissions.
Kraken employs secure user authentication and rate limiting to secure user funds and ensure system performance.
Kraken’s endpoints are more exchange-centric than pure wallet APIs, but they allow fintech apps to integrate wallet balance trading and market data analytics.
This characteristic makes it ideal for applications that combine custodial wallets with active trading functionalities.
Kraken API – Key Features
- Market Data: Pricing, ticker pairs, and order books depth in real-time.
- Trading Execution: Users can place buy/sell orders after accessing their accounts.
- Balance Sync: Users can check the balance and trading history for connected accounts.
- Deposit/Withdraw Tracking: users can see their deposits and withdrawals in the exchange.
| Pros | Cons |
|---|---|
| Provides price data, trading, and account actions. | Exchange-centric — requires user exchange accounts for trading. |
| Enables balance queries and trading execution with permissions. | Not ideal for non-custodial wallet apps focused only on blockchain data. |
| Supports deposit and withdrawal monitoring. | Subject to exchange rate limits and trading rules. |
| Useful for apps that combine wallet and trading features. | Less focus on multi-chain, non-custodial wallet infrastructure. |
How We Choose Best Crypto Wallet APIs For Fintech Apps
- Security: APIs must have compliance encryption, secure authentication, and safeguards against unauthorized access.
- Blockchains: APIs that support multiple blockchains and major networks are preferred.
- Wallets: Ability to reliably fetch wallet balances, transaction histories, and wallet addresses.
- Real-Time Data: APIs with fast updates that support webhooks and/or real-time event tracking.
- Scalability: APIs must support high transaction throughput as fintech apps mature.
- Easy to Use: Good documentation, SDKs, and seamless integration are a must.
- Uptime: Consistent performance with minimal downtime is a must for financial apps.
- Compliance & Risk Automation: Robust support for AML, fraud, and regulatory controls is a plus.
- Pricing Tiers: Competitive pricing that supports startup and enterprise a plus.
- Use Case: APIs are judged on their suitability for payments, DeFi, analytics, or trading apps.
Cocnsluion
In cocnsluion Selecting ideal crypto wallet APIs for fintech applications is crucial for establishing effective blockchain solutions that are safe, scalable, and cost effective.
The best API provides freedom for wallet control, instant transactions, support for multiple chains, and readiness for compliance.
With API’s that fit the specific business requirements, fintech provides dependable crypto services fostering customer confidence.
FAQ
A crypto wallet API allows fintech apps to connect with blockchains to manage wallet balances, transactions, and addresses programmatically.
They simplify blockchain integration, reduce development time, and enable secure wallet features without running full nodes.
Yes, reputable APIs use encryption, authentication, and monitoring to ensure secure access and data protection.
APIs like Moralis, Zerion, and Alchemy are popular for supporting multiple blockchains.
Most modern APIs support real-time updates using webhooks or event listeners.
