Model fee revenue from offering Bitcoin buy and sell services to your customers or members. Adjust adoption, fees, and turnover to see how a Bitcoin exchange line could contribute to non-interest income.
Search any US bank or credit union to auto-fill the model with their latest call report deposits. You can adjust every other input afterwards.
Or pick an Archetype
The De Novo Trust preset models a digital-asset-focused charter; these institutions report materially higher adoption than established retail banks.
Customer Base
Used to estimate customer or member count. Credit unions typically run $15k–$25k; community banks $25k–$60k.
Derived from deposits divided by average balance.
Adoption
Bank-customer adoption surveys typically report 5%–15% intent. Pilots have come in lower; 1%–5% is a conservative starting range. Sources: NYDIG Bitcoin + Banking Survey (2021) · Cornerstone Advisors research, Forbes (2021)
1× treats the first purchase as buy-and-hold — only the buy side transacts. 2× means each dollar bought is also sold within the year; sell-side activity scales with the multiplier above 1×.
Fee Economics
Charged on each buy and each sell. Bank-channel pricing typically lands in the 0.50%–1.50% range.
Pass-through cost paid to your BTC liquidity provider on each side. Bank-channel wholesale quotes typically run 0.20%–0.50%.
Tech, processing, and travel-rule overhead per buy or sell.
Custody Revenue (Optional)
Share of adopters who keep BTC in the bank's custody rather than self-withdrawing.
Annual AUC fee on customer-held bitcoin balances.
Time Horizon
Default as of June 2026 — adjust to the current market price.
Affects BTC unit conversion only. Does not change USD volume or USD revenue.
Key assumption: Headline metrics show steady-state (terminal adoption). The multi-year chart adds an onboarding ramp, defaulting to 50% / 85% / 100% / 105% / 110% of terminal adoption across years 1–5.
Steady-state (post-ramp) — Year 1 of the projection runs at 50% of these figures
Customers Adopting
2,000
of 40,000 estimated
Annual Volume (USD)
$6.00M
Buys + sells combined
Bitcoin Bought
42 BTC
First-purchase volume
Net Annual Revenue
$22.5K
— bps of deposits
% of customers who buy bitcoin
This tool is provided for educational and informational purposes only. It does not constitute legal, financial, investment, tax, or accounting advice, and its outputs are illustrative approximations rather than projections of any institution's actual results. Consult your own legal, financial, and compliance advisors before making business decisions. Institution data is sourced from FDIC BankFind Suite (banks) and NCUA Quarterly Call Report Data (credit unions).
See how Galoy's Bitcoin exchange capability fits alongside your existing core.
Talk to our team about how Galoy's Bitcoin-native infrastructure can help your institution offer compliant Bitcoin buy and sell services to customers and members.
Schedule a DemoWe'll generate a branded PDF with your scenario inputs, the multi-year revenue projection, and your institution's call report snapshot if you selected one. A link back to this exact live view is included for easy sharing.