Welcome to the ChangeNOW Blog. Here we focus on research, real use cases, and practical insights — not hype. While we double-check our facts, nothing here should be taken as financial advice; crypto is a high-risk space, and your own research always matters.
Most lists of SaaS business ideas try to cover every industry. This one covers two: crypto and fintech. A product that sits on a swap, a payment or a payout takes a cut of every transaction, so revenue grows as customers use it more. None of the 15 profitable SaaS ideas below require heavy development. In each one the heavy part connects through a provider's API. The founder builds the product layer and owns the customer.
How we Picked and Ranked the Ideas
An idea made the list if similar products already exist with public pricing or reported revenue, and if a small team can launch it without building its own exchange, custody or payment network.
Each idea is scored from 1 to 5 on five criteria:
Revenue mechanics. 5 means income from every transaction. 1 means a flat subscription only.
Ready infrastructure. How much of the stack you connect instead of building.
Time to launch. 5 is days or weeks. 1 is a year or more.
Compliance load. 5 is light. 1 means licenses, audits or certification before the first sale.
Proven demand. Live competitors with public prices or revenue figures.
The maximum is 25 points. Scores are our editorial judgment, based on the sources linked in each section. They compare the ideas with each other and don't predict revenue.
Ranking at a Glance
Idea
Score
Revenue model
What you plug in
Swap feature in a crypto wallet
24
Fee per swap
Exchange API
White label crypto exchange
22
Commission per swap
White label exchange
Telegram swap bot
21
Fee per swap
Telegram bot or API
Cross-chain swaps in a dApp
21
Front-end fee per swap
Exchange API
Swap rate comparison site
21
Affiliate commission
FAQ
Niches where the product earns on every transaction. Swaps, payments and payouts charge a percentage of volume, so revenue grows with customer activity. That makes SaaS in crypto and fintech a strong choice for founders who can bring users or merchants.
Yes. Crypto SaaS companies often run on providers' APIs for exchange, liquidity, payments and payouts. The provider runs the financial side. The founder's work is the interface and the workflow of a specific customer.
The main models are a commission per swap, a percentage of processed payments, a fee per payee and a spread on conversion. Many products add a subscription for analytics or team features. These are SaaS ideas to make money from usage, and a seat count doesn't cap them.
It depends on what you build yourself. A centralized exchange from scratch costs $400,000–600,000 and 24–40 weeks of development. A product built on a provider's API skips that cost, and the budget goes into the interface, integration and marketing.
No. AI makes it easier to copy an interface. It doesn't replace liquidity, licenses or a partner network. Products built on transactions and financial infrastructure are harder to clone, which makes them a lasting SaaS opportunity among current SaaS product ideas.
Crypto SaaS ideas built on swaps are products that let people exchange one cryptocurrency for another without leaving the service they already use. The business earns a fee on every swap, so revenue follows trading volume. Liquidity and trade execution come from an exchange provider's API, which keeps launch time short and removes the need to hold user funds.
1. Swap feature in a crypto wallet
What it is: A non-custodial wallet adds swaps inside the app. The user picks two assets and an amount, sees the rate and confirms. The coins arrive in the same wallet.
Revenue model and market: The wallet adds its fee to each swap.
What you build and what you plug in: The wallet and its swap screen stay on the product side, so you build it. Rates, routing and liquidity come from an exchange API. ChangeNOW's Exchange API covers 1,500+ assets with fixed and floating rates. Partners earn from 0.4% per swap, and there are no setup or monthly fees. A basic integration takes a few hours. Learn more about the integration process for wallets.
2. White label crypto exchange
What it is: A website with a crypto exchange under its own brand. Visitors swap coins on the site, and the provider's engine executes the trade. It fits crypto media, communities and projects that already have an audience.
Revenue model and market: A commission on each swap, set by the site owner. Income follows the audience's trading volume, so the model works where traffic already exists.
What you build and what you plug in: An exchange of your own is expensive before the first trade. Besides development, an EU operator needs a MiCA CASP license, with €125,000–150,000 of paid-up capital and €350,000–900,000 in first-year costs.
What it is: A bot that swaps crypto in a Telegram chat. The user sends a pair and an amount, gets a deposit address and receives coins to their wallet.
Revenue model and market: A fee on each swap. A channel owner can run a branded bot and earn from the audience's swaps. Telegram has over 1 billion monthly active users and is very popular among crypto communities.
What you build and what you plug in: Since February 2025, Telegram's blockchain guidelines allow Mini Apps to use only the TON blockchain. Regular bots without a Mini App are exempt from this rule, so a multi-chain swap service has to be a bot. ChangeNOW offers a ready Telegram bot for partners, which removes the exchange side from the build entirely.
4. Cross-chain swaps in a dApp
What it is: A dApp lets users swap assets across blockchains without leaving the interface. A user holding BTC can get an Ethereum token in one step, with no exchange account.
Revenue model and market: A front-end fee on each swap. Uniswap Labs charged 0.25% on some swaps in its interface, and the fee brought in $50.6 million by August 2024. The company set it to zero in late 2025 as part of a change to its token model.
What you build and what you plug in: Moving value between chains is the risky part. In 2022, attackers stole $2 billion from bridges, 69% of all crypto stolen that year, according to Chainalysis. When swaps go through an exchange API, the provider handles the transfer between chains, and the dApp doesn't need bridge contracts of its own.
5. Swap rate comparison site
What it is: A site that compares rates for a coin pair across exchange services and sends the user to the best offer. Visitors arrive from searches like "BTC to XMR" and choose by rate, speed and whether the rate is fixed.
Revenue model and market: An affiliate commission on every swap made through the site. The site holds no funds and processes no trades, so running costs are close to those of a content site.
What you build and what you plug in: Rates come from the APIs of exchange services, and payouts come from their affiliate programs, ChangeNOW's included. Nothing on the financial side needs to be built. It's one of the simple SaaS ideas here: most of the work is SEO and content.
6. Portfolio tracker with swaps
What it is: An app that pulls balances from exchanges and wallets into one view and shows profit and loss. A swap button sits next to each asset, so the user can rebalance without switching apps.
Revenue model and market: A subscription for advanced analytics plus a fee on swaps. CoinStats charges $13.99 a month for Premium and removes swap fees on paid plans. Free users pay the swap fee, so the free tier earns too.
What you build and what you plug in: Data is the hard part: connecting dozens of exchange accounts and wallets and keeping balances correct. Swaps are the easy part. They connect through an exchange API, and the tracker needs no liquidity of its own.
7. Crypto feature for a fintech app
What it is: A neobank, payment app or broker adds crypto. Users buy, hold, swap and send assets inside the app they already use.
Revenue model and market: Swap commissions and spreads on buying and selling. Revolut's Wealth segment, which includes crypto, grew revenue 298% in 2024 to $647 million.
What you build and what you plug in: The choice starts with the custody model. In a custodial setup, the app holds assets for users and needs a custody provider and an exchange API. In a non-custodial one, users keep their own keys in a wallet under the app's brand. ChangeNOW's white label wallet covers the second case, with cross-chain swaps built in. It starts at $27,000 and launches in about a month.
Fintech SaaS Business Ideas in Crypto Payments
Fintech SaaS helps classical businesses, like ecommerce, accept crypto and receive the money in the currency they need. They earn a percentage of processed volume, sometimes with a monthly plan on top. Most of the cost is operational: converting funds, settling them and fixing payments that arrive in the wrong coin or network. That work is usually handed to a payment provider's API.
8. Crypto payment gateway for a niche
What it is: A gateway that lets merchants in one vertical accept crypto: hosting providers, online schools, game top-ups, digital goods. A narrow niche lets you ship what general gateways skip, like plugins for the platforms that vertical uses.
Revenue model and market: A percentage of each payment. PayPal launched Pay with Crypto for US merchants at 0.99% and says it cuts fees by up to 90% compared to international card processing. Merchants will measure your price against that.
What you build and what you plug in: Deposits sent to the wrong network or in the wrong coin are a daily cost of running a gateway. So is conversion at a rate that doesn't move while the customer pays. ChangeNOW's infrastructure for payment gateways handles both and routes conversions through 10+ liquidity providers.
What it is: Users buy crypto with a card or bank transfer without leaving the app and sell it back when they need cash. For a wallet, this is the entry point for new users who hold no crypto yet. Also useful for any fintech app you can think about.
Revenue model and market: A share of the on-ramp fee. Aggregators like Onramper earn through revenue-sharing agreements with the providers they route to. Fees are high: card purchases cost 3.5–4.5% at MoonPay and up to 3.9% at Ramp in major currencies, per a Spark comparison.
What you build and what you plug in: Card acquiring, KYC and fiat licenses turn an in-house on-ramp into a project for a regulated company. An on-ramp provider takes all three. ChangeNOW adds fiat on- and off-ramps to its API on request, through its partner Guardarian.
10. Crypto billing for SaaS products
What it is: A billing layer that lets software companies charge subscribers in crypto. It fits products with many users in countries where international cards fail or aren't available: VPNs, developer tools, AI apps.
Revenue model and market: A percentage of billed volume, with an optional platform fee. Failed card payments cost SaaS companies about 1.06% of subscribers every month, per Recurly data from July 2026. A prepaid crypto balance has no card to expire.
What you build and what you plug in: Crypto has no card on file to charge, so recurring billing needs a workaround. NOWPayments' crypto subscriptions offer two. One sends recurring invoices by email. The other keeps a customer balance that is topped up and charged on schedule. Fees start at 1% and go down to 0.3% on custom terms.
11. Crypto invoicing for freelancers
What it is: A tool where freelancers and small agencies send invoices that clients pay in crypto or stablecoins. The user sees which invoices are paid or overdue and withdraws in the currency they choose.
Revenue model and market: A monthly plan with an invoice limit, or a small percentage of each paid invoice. Demand comes from bank costs: banks are the most expensive way to send money abroad: 14.99% on average for a $200 transfer in Q3 2025, according to the World Bank. So crypto seems like a good option here, opening you the opportunities to compete.
What you build and what you plug in: The value for the user is in the invoicing workflow: client list, templates, reminders and reports. Payment pages, conversion and settlement come from a payment API such as NOWPayments invoices. This is small business SaaS at its simplest, and one of the easier niche SaaS ideas to test with a few dozen users.
B2B SaaS Ideas for Crypto Payouts and Treasury
These ideas help finance teams move company money in crypto and stablecoins and keep it under control. The customer pays for approvals, permissions and reports as much as for the transfer itself. Deals are larger than in consumer crypto, but the sales cycle is longer, and buyers check compliance before they sign.
12. Creator and affiliate payout platform
What it is: A service that pays many people at once: affiliates, creators, tournament winners, cashback users. The business uploads a list of recipients and amounts, and the payouts go out in one batch.
Revenue model and market: A per-payee fee or a percentage of payout volume, plus a plan for reporting and approvals. A NOWPayments comparison puts 1,000 international fiat payouts at $40,000–50,000 or more once processor fees, wire fees and FX spreads are counted.
What you build and what you plug in: Recipients without a crypto wallet are the usual blocker. Email-based payouts from NOWPayments to ChangeNOW PRO solve it: the business sends crypto to an email address, and a ChangeNOW PRO account is created for the recipient automatically. The transfer happens inside the ecosystem, off-chain, so it carries no network or service fees.
13. Crypto payroll for remote teams
What it is: A payroll tool for companies with contractors abroad. It calculates what each person is owed, routes it for approval and pays in stablecoins or crypto on schedule.
Revenue model and market: A monthly fee per paid person. Demand is visible at the top of the market: in June 2026, Deel launched a stablecoin wallet with Stripe for contractors. It started in Argentina, where 85% of Deel's contractors asked to be paid in US dollars.
What you build and what you plug in: The transfer is the smallest part of payroll. A mass payouts API sends the money, and a custody product can hold company funds until payday. The hard part is local rules: tax and employment law differ by country. Contractors, who are paid against invoices, are the easier segment to start with.
14. Stablecoin payments to foreign suppliers
What it is: A tool for small importers and agencies that pay suppliers abroad. The business tops up a balance, and the supplier receives stablecoins or local currency. Invoices, payment status and receipts — all in one place.
Revenue model and market: A fee per payment or a spread on conversion. B2B stablecoin payments grew more than 730% in 2025, according to Artemis and Stablecon, with small and mid-size companies leading. In the US, the GENIUS Act, signed in July 2025, set the first federal rules for payment stablecoins.
What you build and what you plug in: The money flow has three parts, and each has a provider: an exchange API for conversion, a payouts API for delivery and an off-ramp for suppliers who need local currency. Supplier verification and sanctions screening belong in the product from the first version.
15. Crypto treasury dashboard
What it is: One dashboard where a company holds and manages its crypto. Team members get separate permissions, and transfers go only to pre-approved addresses. It's for companies that accept crypto or keep it on the balance sheet.
Revenue model and market: An annual subscription priced by assets or users. Enterprise deals need certification: US banks and financial institutions usually ask for a SOC 2 Type II report, and buyers in Europe and Asia expect ISO 27001. That is why this idea scores lowest.
What you build and what you plug in: Key storage is the part not worth building from scratch. ChangeNOW's Warm Wallets keep private keys on the company's own infrastructure with multi-step encryption and support EVM networks, Bitcoin and TRON. Reporting and accounting exports for the finance team sit on top.
Build the product, plug in the infrastructure
All 15 ideas say: exchange engine, liquidity, custody, cross-chain transfers, payment operations — all of it might be plugged in. Each takes months to build it on your side. A security mistake in any of them costs users their money, and the founder their business. A small SaaS company has little reason to own that layer.
Its advantage is the part a provider can't build for it: the audience, the interface and the workflow of one specific type of customer. The best SaaS idea for you is the one where you already have an edge: traffic, a community or access to a group of buyers. Talk to ten of them before you write code, then connect the infrastructure and launch the narrowest version someone will pay for.
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The article breaks down every way a crypto exchange earns money, from trading fees and the spread to listings, staking and custody, and shows how the business model decides which streams a platform can bill for.
15 Profitable SaaS Ideas in Crypto and Fintech (2026) | ChangeNOW Blog
