GoTyme Bank has officially rolled out its integrated cryptocurrency service, becoming the first digital bank in the Philippines to allow users to buy and hold crypto directly inside their banking app. The move marks a major leap forward for local digital finance and could accelerate mainstream crypto adoption across Southeast Asia.
Crypto Trading Built Directly Into Banking
Through a partnership with U.S. fintech firm Alpaca, GoTyme now lets customers trade 11 major cryptocurrencies—including Bitcoin (BTC), Ethereum (ETH), and Binance Coin (BNB)—without needing a separate exchange account. Everything happens inside the GoTyme mobile app, allowing users to check balances, move funds, and buy digital assets within one regulated interface.
Because GoTyme operates under the Bangko Sentral ng Pilipinas (BSP), the new crypto feature carries the same compliance and security standards as traditional banking services.
A Major Convenience Upgrade for Filipino Crypto Users
The integration solves several long-standing pain points in the local crypto space:
- •No more switching between apps: Bank deposits, cash-ins, and crypto purchases happen in one place.
- •Bank-grade security: Assets benefit from GoTyme’s authentication and encryption systems.
- •Lower barriers to entry: New investors can access crypto without dealing with complicated onboarding or third-party platforms.
- •Institutional trust: Many Filipinos remain wary of independent crypto exchanges; GoTyme’s banking framework reduces that friction.
Why the Alpaca Partnership Matters
Alpaca provides the backend crypto brokerage technology, enabling GoTyme to meet international standards for digital asset trading. This reflects a growing global trend: banks are increasingly integrating crypto instead of competing with standalone Web3 platforms.
For GoTyme, the partnership ensures the service is scalable, compliant, and capable of evolving as crypto regulations mature.
Regulatory and Market Challenges Ahead
While innovative, the service launches amid a cautious regulatory environment. The BSP maintains strong oversight of crypto activity, requiring strict anti-money laundering monitoring. Volatility also remains a core risk, particularly for first-time investors.
GoTyme’s regulated structure may, however, help set a responsible precedent for Philippine banks exploring digital asset services.
A Boost for Financial Inclusion
By offering digital assets through an accessible platform, GoTyme could help introduce investing to a wider population—especially younger, tech-savvy Filipinos. The move positions the Philippines as a regional fintech innovator and may push other local banks to explore similar offerings.
A New Era for Digital Finance in the Philippines
GoTyme’s crypto service marks a turning point for the country’s financial ecosystem. By merging traditional banking with digital assets, the bank is democratizing access, improving convenience, and breaking down barriers for millions of potential crypto participants.
As Southeast Asia’s crypto landscape grows, this launch could influence how Filipinos—and eventually neighboring countries—interact with digital assets in their everyday financial lives.

