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October 23, 2025 By Stratoor Consulting

Bitcoin DACH Region Target Group Analysis and Strategies for Fintech SMEs

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From Precoiner to Bitcoiner: How Fintech SMEs in the DACH Region Successfully Tap into New Target Groups.

 

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The adoption of digital currencies in the DACH region continues to gain momentum. Increasingly, more players, including traditional banks, are actively entering the Bitcoin market. According to a report by Deutsche Bank, Bitcoin could in the future become part of central bank reserves alongside gold. At the same time, trading volumes are on the rise:

"By the end of August 2025, approximately 1.2 billion Bitcoin transactions had been conducted worldwide. This represents a significant increase compared to 1.07 billion in the previous year."

#strategy #targetaudience #segmentation #DACH #fintech #SME
 

Things are happening in Germany as well: Fintech 21X is launching the first blockchain exchange, where currently a UBS money market fund can be traded via blockchain, with additional tokens planned.

But who exactly are the players behind these transactions, and which target groups are Bitcoin brokers addressing in the DACH SME sector?

Generic target groups of Bitcoin Brokers

The generic target groups can broadly be divided into five categories:

  1. Nocoiner

    • Unaware of Bitcoin or currently not planning a purchase.
    • Marketing approach: Educational content highlighting the benefits of digital assets.

  1. Precoiner

    • B2C: Interested in Bitcoin but does not yet own any; unfamiliar with KYC, custody, and fee models.
    • B2B: Company holds no digital assets; accounting and tax advisory are not crypto-ready.

  1. Bitcoiner

    • Has made initial purchases; familiar with KYC, less so with AML.
    • Often uses third-party custody or simple wallets (e.g., paper wallets).

  1. HWNI (High-net-worth individual)

    • B2C: Has invested significant amounts, possibly AML-verified; uses hardware or advanced wallets; interested in long-term price trends, credit options, and tax reporting.
    • B2B: Professional AML screening, multi-sig wallets; focus on accounting, ownership, risk prevention, and cybersecurity.

This classification shows that the Precoiner segment is a strategic entry point for fintech SMEs, both in B2C and B2B.

Recommendations for Targeting Precoiners

In a Bull Market

Insights from Hector Alvero’s “Answering 'The Text': How to Intro PreCoiners Into Bitcoin in a Bull Market”:

  • Patience and Empathy: Avoid talking down to skeptics; answer questions respectfully.

  • Ask Targeted Questions: “What interests you about Bitcoin?” helps understand motivations.

  • Set Realistic Expectations: Address volatility early to promote long-term investment.

  • Share Knowledge: Be transparent about experiences and mistakes to enable responsible entry.

Goal: Not just initial adoption, but long-term engagement in the Bitcoin ecosystem.

In a Bear Market

During a bear market, the focus shifts to building trust:

  • Transparency: Explain volatility and clearly communicate risks.

  • Start Small: Small amounts or test purchases ease entry.

  • Educational Offers: Tutorials, webinars, or FAQs on wallets, KYC/AML, and taxation reduce uncertainty.

  • Community Focus: Peer exchange fosters trust and encourages active Bitcoin use.

Conclusion: Precoiner as a Strategic Market

For fintech SMEs in the DACH region, Precoiners represent an attractive target segment. They are at the beginning of their crypto journey, require guidance and education, but also show high potential for long-term loyalty.

With a combination of empathy, educational content, and practical support, companies can effectively reach both B2C and B2B Precoiners — whether the market is bullish or bearish.

The adoption of digital currencies is accelerating; capturing Precoiners today secures loyal Bitcoiner and HWNI customers tomorrow.

 

Sources

Adoption of Digital Currencies in the DACH Region

Target Group Definitions and Terminology

Actionable Recommendations for Fintech SMEs

 

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Stratoor Consulting

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