Venmo alternativer: Sammenlign platforme, der ligner Venmo

Fra Kraken Learn team
3 min
14. april 2026
De vigtigste punkter 🔑
  1. Venmo has grown into one of the most popular peer-to-peer payment apps in the U.S.

  2. known for its social feed

  3. transfers

  4. and card services. It has also introduced limited crypto trading


Introduktion til Venmo alternativer 🔍

Founded in 2009 and acquired by PayPal in 2014, Venmo has become a leading U.S. peer-to-peer payments app with a social element. It offers money transfers, a debit card, buy now/pay later services, and access to a few major cryptocurrencies.

Still, its crypto service is limited to basic buy-and-sell functionality with a narrow token list. Alternatives may provide deeper liquidity, wider asset coverage, or more advanced financial features for users looking beyond social payments.

1. Kraken

Kraken blev grundlagt i 2011 og er et af verdens største og mest betroede navne inden for krypto. Med hovedkvarter i Cheyenne, Wyoming, betjener Kraken titusindvis af millioner af kunder i mere end 190 lande.

Kraken tilbyder en komplet platform for forskellige kryptoprodukter og -tjenester. Uanset om du ønsker at købe bitcoin, tjekke Solana (SOL) prisen eller konvertere USD til ETH, gør Kraken det nemt at få adgang til hundredvis af kryptovalutaer fra sin kerne Kraken-app designet til hverdagsinvestorer samt  Kraken Pro til avancerede handlende.  Kraken Institutional tilbyder også en komplet pakke af kryptoprodukter til investorer, der kræver premium-tjenester. 

 

På tværs af funktioner som staking, margin, futures og OTC-handel tilbyder Kraken forskellige måder at få eksponering mod verdens største kryptokategorier. Kraken giver også kunder i visse regioner adgang til op til 11.000 amerikansk-noterede aktier og xStock, samt muligheden for at sende og tjene på din portefølje ved hjælp af Krak.

Alt understøttet af dets globalt anerkendte sikkerhedsstandarder, var Kraken den første til at bane vejen for Proof of Reserves og fortsætter med at opretholde en ny standard for gennemsigtighed og ansvarlighed. Siden lanceringen for mere end 10 år siden er Kraken-administrerede depotwallets aldrig blevet kompromitteret.

Krakens anmeldelser viser, at det appellerer til sikkerhedsbevidste investorer og avancerede handlende, der værdsætter lovmæssig overholdelse, tilgængelig kundesupport og kraftfulde sikkerhedsfunktioner, der understøtter deres handelsoplevelse. Som en af de ældste, mest betroede og bedste kryptobørser har Kraken de værktøjer og funktioner, du har brug for til at udføre din kryptostrategi på dine egne præmisser.

A bar chart showing the availability of cryptocurrency exchanges by country, with source and availability disclaimers.

2. Cashapp

Cash App, founded in 2013, is a mobile-first payments app offering money transfers, card services, and banking features. It added Bitcoin trading as part of its push to integrate crypto into mainstream finance.

While this makes Cash App appealing to newcomers interested in Bitcoin, its single-asset focus means it is less suited for those seeking a comprehensive crypto experience.


Fordele:

  • Widely adopted U.S. payments app with peer-to-peer transfers
  • Debit card and direct deposit features integrated
  • Simple Bitcoin buying and selling built into the app
  • Easy-to-use mobile-first experience
  • Strong brand recognition as part of Block, Inc.

Begrænsninger:

  • Supports only Bitcoin, with no other crypto assets available
  • No advanced trading tools or features
  • Primarily U.S.-focused, with limited global reach
  • Payments-first app, with crypto as a secondary function

3. PayPal

PayPal, founded in 1998, is a global digital payments company known for online shopping and secure transfers. More recently, it has added limited crypto services, allowing users to buy and sell a handful of tokens within its app.

Its focus remains payments first, with crypto positioned as an added feature. This makes PayPal appealing to those who already use it for transfers and business payments, though it is less suited for users who want advanced crypto access.


Fordele:

  • Trusted global brand with decades of payments experience
  • Widely accepted for online shopping and peer-to-peer transfers
  • Simple to use for both individuals and businesses
  • Strong focus on buyer protection

Begrænsninger:

  • Crypto services restricted to a small number of tokens
  • Limited withdrawal functionality for digital assets in some regions
  • No advanced trading features or tools
  • Primarily a payments provider, with crypto as a secondary feature

4. Zelle

Zelle, founded in 2017, is a payments platform backed by major U.S. banks. It is integrated directly into banking apps, allowing fast and free domestic transfers.

While effective for simple money movement, Zelle is limited to U.S. bank transfers and does not provide crypto or global services, positioning it as a utility for everyday payments rather than a multi-asset financial app.


Fordele:

  • Integrated directly with major U.S. banks
  • Instant, free peer-to-peer transfers for domestic use
  • Wide adoption across millions of U.S. customers
  • Simple, user-friendly design for fast payments
  • Backed by trusted banking institutions

Begrænsninger:

  • U.S.-only service with no international transfers
  • No crypto support or integration
  • Limited to bank-linked transfers, with no other financial features
  • Lacks advanced tools or investment products

5. Revolut

Revolut, founded in 2015, is a London-based fintech company that has grown into a global super-app. It combines payments, cards, transfers, savings, and investments, with crypto included as part of its wider financial services offering.

This hybrid positioning makes Revolut attractive to users who want the convenience of managing multiple aspects of their financial life in a single app, even though its crypto product is not as comprehensive as a dedicated exchange.


Fordele:

  • All-in-one app covering payments, savings, and investments
  • Easy access to crypto trading within a familiar interface
  • Regulated entity with licenses in multiple jurisdictions
  • Simple and user-friendly experience for retail users
  • Broad international adoption and brand recognition

Begrænsninger:

  • Limited crypto selection compared to dedicated exchanges
  • No advanced trading features such as margin or derivatives
  • Product availability varies by region due to regulations
  • Primarily a payments app, with crypto as an add-on service

6. Wise

Wise, founded in 2011 as TransferWise, built its reputation on transparent, low-cost international transfers. Today, it provides cross-border payments, business accounts, and multi-currency wallets, supporting millions of users worldwide.

The platform appeals to those who prioritize affordability and simplicity in payments, though it lacks crypto functionality or advanced financial features that some competitors now offer.


Fordele:

  • Transparent, low-cost international transfers
  • Multi-currency accounts for individuals and businesses
  • Regulated financial service with a strong global reputation
  • Simple, easy-to-use mobile and web interface
  • Wide global network for cross-border payments

Begrænsninger:

  • No crypto support or integration
  • Focused on payments and transfers with less investment features
  • Narrower product set compared to financial super-apps
  • Availability of certain services may vary by country

Venmo alternativer: Hvad er konklusionen? 🧩

Vælg det bedste sted at købe krypto 🔐

Hvis du leder efter en kryptobørs til hvert skridt på din kryptorejse, taler Krakens fokus på sikkerhed, gennemsigtighed og kundesupport sit tydelige sprog. 

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