El ascenso de las fintech a base de Tezos: ¿por qué Lyzi está preparada para el crecimiento de 2026 en el sector de los pagos criptográficos de Europa?

The European fintech landscape is undergoing a seismic shift as regulators and innovators align to redefine the future of payments. At the intersection of this transformation lies Tezos, a blockchain platform whose energy-efficient architecture and regulatory adaptability are fueling adoption in high-value, compliance-driven markets. For investors, the convergence of Tezos' infrastructure with startups like Lyzi-whose Tezos-based crypto payment hub is gaining traction-presents a compelling case for growth in 2026.

Tezos: A Regulatory-Ready Blockchain for High-Value Markets

Tezos' liquid proof-of-stake consensus mechanism positions it as a natural fit for Europe's evolving regulatory priorities. As the EU's Markets in Crypto-Assets (MiCA) regulation phases in, energy-intensive blockchains face scrutiny, while platforms like Tezos gain favor for their sustainability credentials. This alignment is critical for high-value payment systems, where compliance with environmental, social, and governance (ESG) standards is no longer optional but a competitive advantage.

Data from Q3 2025 underscores Tezos' growing relevance: its Layer-1 network processed 4.3 million transactions quarterly, a 21.5% increase, while DeFi total value locked (TVL) rose 13.1% to $45.1 million. These metrics reflect institutional confidence, particularly in France, where Tezos' self-amending protocol and governance model have attracted backing from entities like Bpifrance. For European fintechs, Tezos offers a dual benefit-operational efficiency and regulatory readiness-that is increasingly difficult to ignore.

Lyzi: Bridging Crypto and Fiat in a Regulated Era

Lyzi, a Tezos-powered crypto payment platform, is capitalizing on this momentum. In April 2025, the company secured €1.3 million in seed funding to accelerate its expansion across Europe. Its model addresses a key pain point in crypto adoption: volatility risk. By enabling consumers to transact in crypto while ensuring merchants receive fiat deposits, Lyzi mitigates exposure to price swings-a critical feature in markets where stability is paramount.

The platform's integration with Tezos' Etherlink Layer 2 solution further strengthens its appeal. Etherlink, which is EVM-compatible, processed 20.5 million transactions in Q2 2025-a 474% surge-highlighting its scalability for real-time payments. Lyzi's planned launch on Etherlink in Q2 2025 is expected to enhance transaction speed and reduce costs, positioning it to capture a growing segment of European e-commerce and retail markets.

Regulatory foresight is central to Lyzi's strategy. With the EU set to introduce over 60 new or revised financial regulations by 2026-including anti-money laundering (AML) and digitalization mandates, the platform's compliance-first approach is a strategic differentiator. Arthur Breitman, co-founder of Tezos, has emphasized Etherlink's role in attracting DeFi and gaming applications, sectors where regulatory clarity is a prerequisite for mass adoption.

Market Validation: Tezos in Action

Tezos' utility in regulated, high-value contexts is already evident. The platform's uranium trading platform, which brought real-world commodity pricing on-chain, demonstrates its capacity to handle critical supply chains. Similarly, its Etherlink Layer 2 has been instrumental in real-time payment systems, with the Central Bank of Ireland's Innovation Sandbox signaling institutional support for blockchain-based solutions.

For Lyzi, these case studies validate Tezos as a robust infrastructure layer. The platform's partnerships with payment providers and point-of-sale integrations are expected to drive adoption in both retail and e-commerce, where seamless fiat settlement is a non-negotiable requirement. As tokenized assets and digital securities gain traction-evident in initiatives like tokenized commercial paper-Tezos' formal verification tools (e.g., Michelson smart contracts) provide an additional layer of security for high-stakes transactions.

The 2026 Outlook: A Convergence of Trends

By 2026, Europe's crypto payments sector is poised for a tipping point. MiCA's implementation will standardize compliance frameworks, while the EU's focus on green finance will favor energy-efficient blockchains like Tezos. For Lyzi, this creates a flywheel effect: regulatory compliance attracts institutional partners, while Tezos' scalability supports volume growth.

Investors should also consider macroeconomic tailwinds. As global crypto policy trends prioritize stablecoins and cross-border efficiency, platforms that combine innovation with compliance-like Lyzi-will dominate. The company's €1.3 million seed round and strategic alignment with Tezos' Etherlink roadmap suggest it is well-positioned to scale ahead of these regulatory deadlines.

Conclusion

The rise of Tezos-powered fintech in Europe is not a speculative bet but a calculated response to regulatory and technological convergence. For Lyzi, the path to 2026 growth is clear: leverage Tezos' energy efficiency and governance model to navigate MiCA, scale through Etherlink's Layer 2 infrastructure, and capitalize on the EU's push for sustainable, high-value payment systems. As the continent's financial sector redefines itself in the crypto era, Tezos and its ecosystem partners are emerging as key players in a market where compliance and innovation are no longer mutually exclusive.