[Data: 368 Neobanks Serve 1.46 Billion Users Globally, But Two-Thirds Lack Full Banking Licenses] According to data from NeobankBeat, as of July 2026, there are 368 verified active neobanks worldwide, collectively serving approximately 1.46 billion users, with 817 million in Asia alone—over 400 million of whom are served by WeBank. Among the 368 neobanks, only 127 hold full banking licenses, while two-thirds operate under 'rented' banking identities—relying on sponsor banks, electronic money licenses, or card issuers for operations, with customers often unaware of the distinctions. This structure has repeatedly triggered crises: in 2018, WaveCrest lost its issuing rights from Visa, leading to the overnight collapse of dozens of crypto card projects; in 2020, Wirecard's collapse froze 'banking' services across multiple regions in Europe; and in 2024, Synapse's bankruptcy revealed that 'FDIC insurance' was not as reliable as advertised.