Bitpanda's Mathieu Henry: Why Europe's Crypto Goes Mainstream by 2028
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In this episode of Bitcoin.com News Interviews, host David Sensel sits down with Mathieu Henry, Head of Bitpanda Enterprise in France, to discuss the accelerating mainstream adoption of crypto in Europe. Henry outlines Bitpanda’s evolution from a retail-focused crypto platform founded in 2014 to a leading regulated provider of institutional-grade digital asset services through its Bitpanda Enterprise division. He emphasizes that by 2028, crypto will be fully commoditized in Europe, driven by regulatory clarity from MiCA and growing institutional participation. The conversation explores Bitpanda’s strategic partnerships—particularly with France’s largest payments app, Lydia—and the company’s role in enabling banks, fintechs, and payment platforms to offer crypto services securely. Henry also reflects on France’s crypto adoption trends, noting a flattening of retail growth but strong momentum in the B2B space due to trust and regulation. He concludes with a vision for Bitpanda Enterprise to become a top global enabler of institutional crypto adoption within five years.
Crypto in Europe is expected to be fully commoditized by 2028, driven by MiCA regulation and institutional adoption.
Bitpanda Enterprise is positioning itself as a key enabler for banks, fintechs, and payment platforms seeking to offer crypto services.
Regulation—especially MiCA and multi-jurisdictional licenses—is now a competitive advantage and trust builder in the B2B space.
France’s retail crypto adoption has plateaued, but 15% of investing French households allocate to crypto, indicating strong underlying demand.
Trust between crypto-native firms and traditional financial institutions remains a key friction point, but is actively being built through partnerships and compliance.
Introduction and Bitpanda Overview
David Sensel introduces Mathieu Henry, Head of Bitpanda Enterprise in France, and sets the stage for a discussion on crypto’s mainstream adoption in Europe.
Bitpanda’s Evolution: From B2C to B2B
“We believe that crypto is going to be completely commoditized in Europe by 2028.”
The Lydia Partnership and B2B Momentum
Henry details Bitpanda’s partnership with Lydia, France’s largest payments app, explaining how Bitpanda provides the full backend infrastructure for crypto access, including regulatory licensing.
Retail vs. Institutional Adoption in France
Henry breaks down France’s crypto adoption: flat retail growth but strong institutional momentum, with 15% of investing households allocating to crypto and increasing demand from financial institutions.
Regulation, Trust, and the MiCA Framework
“Regulation and being regulated across markets really help build trust and engage with financial institutions.”
“We believe that crypto is going to be completely commoditized in Europe by 2028.”
“In five years, if we meet again then, I want to be able to say that we are now one of the top service providers to all those institutions like in Europe but also on a global scale.”
“Regulation and being regulated across markets really help build trust and engage with financial institutions.”
Hosts
Guest
Bitpanda
organization
Mathieu Henry
person
MiCA
other
Bitpanda Enterprise
organization
Lydia
organization
David Sensel
person
Bafin
other
Alexander Richardson
person
AMF
other
AIDAN
organization
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