Enterprise blockchain adoption continues to gain momentum as organizations seek more efficient, transparent, and secure solutions for various business challenges.
Neil Bergquist, co-founder and CEO of Coinme, has developed a comprehensive framework to simplify the complex process of integrating cryptocurrency capabilities into business operations. By focusing on modular infrastructure components, Coinme enables companies to implement blockchain solutions without requiring extensive technical expertise.
“We’re a platform that provides crypto infrastructure,” Bergquist explains. “That infrastructure is the ability to create an account and conduct KYC [know your customer], so that Coinme and our partners can be compliant with various state and federal regulations. This allows customers the ability to use a debit card or cash to buy and sell digital currencies.”
The Three Pillars of Enterprise Crypto Integration
Neil Bergquist identifies three fundamental building blocks that form the foundation of successful cryptocurrency integration for businesses:
1. Fiat On-Ramps: Making Digital Assets Accessible
The first critical component involves enabling customers to purchase digital assets using familiar payment methods. “If you have a token and you want someone to be able to buy it, you’re going to need to offer a fiat payment processing to be able to purchase that token, and that’s where Coinme comes in,” notes Bergquist.
This capability allows businesses to bridge the gap between traditional financial systems and blockchain-based assets. By providing simple, regulated pathways for customers to convert conventional currency into digital assets, companies can remove a significant barrier to adoption.
The on-ramp functionality becomes particularly important for businesses launching tokenized loyalty programs, digital collectibles, or other blockchain-based customer engagement initiatives. Without straightforward purchase options, even the most innovative token-based systems would remain inaccessible to mainstream users.
2. Digital Asset Custody: Secure Token Management
The second pillar addresses the storage and management of digital assets after acquisition. Bergquist emphasizes the importance of robust custody solutions: “If you have a token, how do you allow people to hold it? We have a custody solution that enables our partner to put their name on it. Coinme provides the back-end technology to custody digital assets in a secure manner.”
Custody represents one of the most technically complex and security-sensitive aspects of blockchain implementation. Rather than building these systems internally, businesses can leverage Coinme’s infrastructure to provide secure storage while maintaining their own branding and user experience.
This addresses key concerns around security, regulatory compliance, and technical maintenance, allowing businesses to focus on their core competencies while offering crypto-enabled services.
3. Fiat Off-Ramps: Ensuring Liquidity and Utility
The third essential component involves enabling users to convert digital assets back into traditional currency when desired. “Coinme is able to provide that piece of infrastructure,” Bergquist explains. “If you’re earning a token reward, how do you redeem it?”
This off-ramp functionality completes the circularity of the system, ensuring that digital assets maintain practical utility beyond speculative value. For business applications such as rewards programs or tokenized assets, the ability to redeem tokens for cash or products creates tangible value that drives user engagement.
Without reliable off-ramps, tokens risk becoming trapped value, potentially diminishing user interest and participation in blockchain-based initiatives. By incorporating redemption pathways, businesses can create more compelling value propositions for their token ecosystems.
The Modular Advantage: Custom Implementation
A distinctive feature of Coinme’s Crypto-as-a-Service framework is its modular architecture, which allows businesses to implement specific components based on their unique requirements. “Because Coinme has these baskets of infrastructure, we’re able to allow the partner or the token project to really pick and choose the user experience that they want to provide,” Neil says.
This flexibility enables businesses to adopt crypto functionality incrementally, starting with specific use cases before expanding to more comprehensive implementations. Some organizations might initially focus on accepting cryptocurrency payments, while others might prioritize tokenized loyalty programs or digital asset management.
“Some just want to distribute the token as a reward and then allow people to sell it, to redeem it for cash. So they might just use custody and use APIs from Coinme. Or maybe they want people to be able to buy it, or they want people to be able to swap it,” Bergquist elaborates.
Enterprise Adoption Trends and Market Trajectory
The enterprise blockchain landscape continues to expand rapidly, with adoption accelerating across various sectors. Recent market analysis projects that the global blockchain-as-a-service market will reach $84.6 billion by 2031, growing at a compound annual rate of 59.3%.
This growth is driven by several key factors, including the tokenization of real-world assets, which is expected to reach $600 billion by 2030. Major financial institutions are leading implementation efforts, with the number of banks issuing tokenized assets projected to double in 2025.
Research shows that 28% of investors aged 21 to 43 see greater potential in crypto and digital assets, compared to just 4% of those over 44. “Data like that makes banks really want to participate,” says Bergquist.
Despite this momentum, regulatory uncertainty remains a significant factor influencing enterprise adoption decisions. “I think there’s a lot of partners that are more traditional, Fortune 1000 types that are in a wait-and-see mode from a federal regulation perspective,” Bergquist notes.
Implementation Strategies for Success
For organizations considering crypto integration, Neil Bergquist recommends several strategies to maximize success and minimize risks:
Start With Clear Business Objectives
Rather than implementing blockchain technology for its own sake, successful enterprises identify specific business problems that crypto solutions can address effectively. Whether improving payment efficiency, enhancing customer loyalty, or streamlining asset transfers, the technology should serve clear operational goals.
Leverage Existing Infrastructure
Building blockchain systems from scratch requires substantial technical expertise and investment. By utilizing platforms like Coinme’s, businesses can accelerate implementation while reducing development costs and security risks.
“We see ourselves as just having all the ingredients to let the partner make whatever amazing dish they want to create for their customer,” Bergquist explains.
Prioritize Compliance From Day One
Regulatory considerations should inform blockchain implementation from the earliest planning stages. “We’ve never believed in the ethos of tech companies like Facebook and Uber to build things and worry about compliance later… From day one, we’ve worked with regulators to ensure our business complies with state and federal regulations,” Bergquist said.
The Future of Enterprise Blockchain
Neil Bergquist anticipates several developments that will shape enterprise crypto adoption:
— The integration of AI and blockchain technology will create new opportunities, with a market projected to exceed $703 million in 2025. Smart contracts are becoming more sophisticated, incorporating AI-driven conditional decision-making while maintaining blockchain’s transparency and security.
— DeFi continues to mature and integrate with traditional finance, offering businesses unprecedented access to financial services and private markets, creating new opportunities in treasury management, international trade settlement, and risk hedging strategies.
For forward-thinking businesses, Bergquist’s framework provides a practical roadmap, enabling them to implement crypto solutions that deliver tangible operational benefits while managing associated risks.
