MrBeast Trademark Filing Shows Plans For a Crypto Super App

“MrBeast Financial” trademark filing points to crypto exchange and lending features

The most concrete breadcrumb so far is not a product launch, but paperwork. A trademark filing for “MRBEAST FINANCIAL,” filed Oct. 13, 2025, lists goods and services that include “providing cryptocurrency exchange services,” “cryptocurrency payment processing,” and “providing consumer lending services,” among a wider menu of banking and advisory services, according to a TrademarkElite summary.

The same list also explicitly references crypto exchange via decentralized exchanges, and “short-term cash advances,” which mirrors Step’s existing positioning around early access to money and credit building.

That scope lines up with how fintech apps typically monetize at scale. Exchange features can generate spread and fee revenue, while lending features can generate interest income, both of which can outlive a viral moment and turn a creator-led brand into a durable cash engine.

Beast Industries’ Step acquisition sets up a fintech revenue engine

Step is already positioned like a mainstream consumer fintech: it markets credit-building tools (Build Credit), cashback rewards (Rewards), savings (Save), early pay via direct deposit (Direct Deposit), stock investing (Investing), and an EarlyPay product that advertises access up to $250 (EarlyPay).

If Step can keep users inside a single app for getting paid, saving, spending, and borrowing, the revenue stack is not dependent on one viral product cycle.

For Beast Industries, a scaled payments and lending stack is the kind of recurring-revenue line that can become a long-lived cash cow, even if attention shifts elsewhere.

Beast Industries did not disclose deal terms, and it was not immediately clear how Step will be packaged inside the wider MrBeast brand portfolio. But acquiring a “full-stack fintech team,” as Step described it, is a different kind of expansion than launching a snack or a new merch drop: it is plumbing for recurring revenue from payments, subscriptions, and lending products.

In its press materials, Step said its products are powered by Evolve Bank & Trust, Member FDIC, and insured up to $1,000,000.

Step’s release also leaned on distribution, and past MrBeast-led app promotions have scaled quickly, including the “Finger on the App” mobile game, which drew 1.3 million players, according to Wikipedia.

That is why crypto markets are paying attention. Consumer apps have been racing to pull more financial activity into a single screen, and even large retailers are now testing crypto access, including Walmart-backed OnePay’s in-app trading rollout, which keeps trading inside the app rather than enabling onchain payments at the register.

Why Ethereum? The theory

The core theory is not that Step suddenly becomes a trading app. It is that a MrBeast-branded “finance super app” could use Ethereum-based stablecoins, tokens designed to track the U.S. dollar, as a settlement layer, letting users move dollar-denominated value with fewer cross-border frictions than traditional card and bank rails.

Data helps explain why Ethereum keeps showing up in that conversation. DeFiLlama’s stablecoin chain totals show roughly $159.7 billion of USD-pegged stablecoins on Ethereum out of about $308.2 billion overall, or about 52%. If you are building a stablecoin product that needs liquidity, integrations, and a broad set of counterparties, that concentration matters.

Beast Industries leadership has also leaned into the Ethereum framing. In a CNBC interview cited by Benzinga, Housenbold described Ethereum as “the backbone” of stablecoins and blockchain, and pointed to DeFi’s role in moving capital globally.

That does not mean a consumer-facing app can skip regulation. Even if settlement runs on Ethereum, on-ramps, off-ramps, identity checks, and consumer disclosures still determine where a product can launch and what features it can offer. But the “Ethereum rails” thesis is one reason crypto-native payments products, including the newly launched MetaMask-Mastercard card, have focused on making stablecoins behave like familiar consumer money.

What remains unknown is whether Beast Industries will build any crypto feature at all, and if so, whether it will be stablecoin payments, in-app trading, or something narrower like rewards. Watch for trademark prosecution updates, new app terms that mention digital assets, and any disclosed partners for custody, compliance, or stablecoin issuance. Another signal is whether regulated institutions keep normalizing crypto rails in parallel, as seen in the recent surge in U.S. bank Bitcoin product planning.