Sifted Intelligence's Fintech unwrapped 3.0 report, sponsored by Plaid, profiles the European startups in the expanding crypto and payments industries, and their efforts to modernize identity verification for the emerging finance system. The report covers the opportunities and challenges ahead for these innovations and their timelines for full formation. The report follows the first two Fintech unwrapped reports, which explored the trends and startups driving innovation in the payments sector and the companies providing infrastructure to the banking industry. The report includes Q&A with Plaid's Keith Grose and three chapters, including: 3.1 Crypto is starting to grow up - The rise of the crypto world and how the previously exotic is slowly becoming mainstream. 3.2 Pay it forward: The newcomers changing the way we buy - Europeans are embracing new digital payment tools, a trend spurred by regulation and savvy startups initially, and then accelerated by the pandemic. 3.3 The new digital gatekeepers - Despite their growing popularity, crypto and other emerging digital payment systems are still some way off mainstream acceptance. The report also includes a section on the blurring lines between crypto and mainstream finance and the new digital gatekeepers.