BBVA scores 9/16, Santander · Openbank scores 7/16 on the CBL criteria. The winner depends on what your money needs to do; here is every criterion side by side.
| BBVA | Santander · Openbank | |
|---|---|---|
| Accepts exchange transfers | partial | partial |
| Stablecoin off-ramp | partial | no |
| Business accounts for Web3 | no | no |
| Custody | yes | yes |
| Staking and yield | no | no |
| Card | partial | partial |
| Multiple jurisdictions | yes | partial |
| Open to retail | yes | yes |
The short verdict: BBVA leads overall (9 to 7). Health: Solid. Check each profile for fine print and P2P tolerance before deciding.