Deblock
Deblock is a French-regulated crypto-banking startup offering a mobile app that combines a euro current account and VISA debit card with a non-custodial crypto wallet, serving retail consumers and early-access business customers across Europe.
- Company typePrivate
- Founded2022
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Deblock does
Deblock SAS is a French-regulated crypto-banking startup founded in October 2022 and headquartered in Lille, with a registered office in Paris. The company operates a mobile-first neo-bank that fuses a fully regulated European euro current account (IBAN, SEPA instant transfers, VISA debit cards, Apple Pay and Google Pay) with a non-custodial crypto wallet in which users retain control of their private keys and can export them at any time. The platform supports over 200 cryptocurrencies, provides access to decentralised finance (DeFi) protocols on Solana and Ethereum via WalletConnect, integrates Bitcoin Lightning, and offers business accounts with multi-signature custody.
Deblock monetizes through a three-tier subscription structure: a free Standard tier with 1.99% crypto transaction fees, a Premium tier at €10/month with 0.49% crypto fees, higher ATM limits, up to 1% cashback, and unlimited currency exchange, and a Native tier gated by holding a Deblock NFT that removes crypto transaction fees entirely. Additional revenue streams include fees on international transfers, currency exchange, and crypto Earn/DeFi vault yield (up to 10% annual), alongside an ambassador program that pays 30% of referred-user fees. The firm holds an Electronic Money Institution license from the ACPR, the first French MiCA license from the AMF, and CASP authorization, positioning it as a fully compliant combined fiat-crypto bank in the EU.
Since launching in France in April 2024, Deblock has grown to over 300,000 clients and 100,000 monthly active users with revenue tripling in under a year. In November 2025 the company closed a €30 million Series A led by Speedinvest, with participation from CommerzVentures, Latitude, and Kraken Ventures, at an approximately $208 million post-money valuation. The capital is earmarked for European expansion into Germany, Austria, and Ireland in 2026, with a stated target of one million users within six months of launch. The leadership team is composed of alumni of Revolut and Ledger, including CEO Jean Meyer (ex-Head of Crypto at Revolut), CTO Mario Eguiluz (ex-Head of Engineering at Ledger), COO Adriana Restrepo (ex-COO of Revolut Bank), and Aaron Beck (ex-Head of Payment at Revolut).
Deblock firmographics
Firmographics- Name
- Deblock
- Legal name
- Deblock SAS
- Website
- https://deblock.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Deblock is a French-regulated crypto-banking startup offering a mobile app that combines a euro current account and VISA debit card with a non-custodial crypto wallet, serving retail consumers and early-access business customers across Europe.
- Ownership category
- akta.pro rank
Deblock industry classification
Industry- Product category
- Neobank / Crypto Banking
- NAICS
- Depository Credit Intermediation (5221), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Centralized Crypto Lending Platforms (CeFi) (FSADAFAA)
- akta.pro secondary industries
- Yield Aggregators & Strategy Vaults (FSADAMAF), Crypto-Enabled Cross-Border Transfers & On/Off-Ramps (FSAGAKAO)
Keywords
Where Deblock is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Deblock business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Subscription Tiers: Premium tier at €10/month offering reduced crypto fees (0.49% vs 1.99%), higher free ATM withdrawal limits (€1000/mo vs €100/mo), up to 1% cashback, unlimited one-off cards, and NFT branded cards.
- Crypto Transaction Fees: Fees on crypto purchases, sales, and swaps. Standard tier at 1.99%, Premium at 0.49%, Native at 0% for buy/sell/swap same chain and crosschain.
- International Transfer Fees: Discount on international transfer fees: 0% for Standard, 50% for Premium, 100% for Native tier.
- Currency Exchange: Free currency exchange (USD, GBP) limited to €1000/month on Standard tier, unlimited on Premium and Native tiers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier with basic banking features and standard crypto fees |
| Subscription | Monthly | €10/month with reduced fees and enhanced benefits |
| Subscription | Monthly | Requires holding 1 Deblock NFT with maximum benefits |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Deblock product offering
Product offeringCore offering
Deblock is a hybrid crypto-banking platform that combines traditional euro current accounts (IBAN, VISA debit cards, instant SEPA transfers) with a non-custodial crypto wallet where users retain full control of their private keys. The platform offers 200+ cryptocurrencies, DeFi savings vaults yielding up to 10% in euros, and a daily-paid 4% yield on fiat deposits for Premium and Native tiers.
Product overview
Deblock is a French fintech offering a unified on-chain banking platform that combines traditional current account features with a non-custodial crypto wallet. The core product is the Deblock App providing IBAN, VISA debit cards (physical and virtual), instant transfers, multi-currency accounts, and crypto management. The platform operates on a tiered subscription model: Standard (free), Premium (€10/month), and Native (NFT-based), each offering progressively reduced fees and enhanced features. Business accounts provide multi-sig crypto wallet functionality with access to DeFi via WalletConnect and Bitcoin Lightning support. Additional offerings include the Crypto Market and Exchange for trading, Yield/Savings accounts offering up to 4-10% returns, and an Ambassador referral program.
Differentiator
Problem solved
Functional benefit
Products and services
- Deblock App Mobile banking application combining a traditional current account with a non-custodial crypto wallet, offering IBAN, VISA cards, instant transfers, multi-currency accounts, and crypto management in a single platform for individual consumers.
- Business Account Business banking solution with IBAN, instant transfers, physical and virtual cards, multi-currency support, and an integrated multi-signature self-custody crypto wallet for company asset management across 200+ cryptocurrencies with DeFi access via WalletConnect.
- Crypto Market In-app cryptocurrency trading platform supporting major cryptocurrencies including Bitcoin, Ethereum, Tether, BNB, USDC, XRP, Solana, TRON, Polkadot, and Dogecoin with real-time pricing.
- Exchange Cryptocurrency exchange functionality for buying, selling, and swapping digital assets with EUR pairs, accessible within the Deblock application.
- VISA Debit Card Physical and virtual VISA debit cards with customizable NFT designs, one-off card numbers for enhanced online security, and Apple Pay and Google Pay integration for contactless payments.
Companies that use Deblock
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Deblock technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
Deblock partnerships and signals
Strategic signalScale indicators7 records
Recent moves9 records
Expansion highlights6 records
Deblock competitors and assessment
Company assessmentDirect peers
- Revolut: European neobank offering IBANs, cards, and crypto trading across 30+ countries. Most directly comparable peer — Deblock's four co-founders (COO, Head of Crypto, Head of Payments, plus CTO ex-Ledger) all previously led these exact functions at Revolut, and Deblock is effectively its crypto-self-custody-focused challenger.
- Wirex: UK-based crypto card and banking app combining traditional accounts with crypto spending and earning yield. Closest like-for-like competitor to Deblock on the crypto + fiat card proposition in Europe.
- Crypto.com: Global crypto exchange and Visa card issuer with its own banking-style app (Crypto.com Pay, Exchange, and Earn products). Comparable hybrid exchange-plus-payment-card model, though at significantly larger scale and US-centric.
- Bitpanda: Vienna-based European crypto broker with stocks/ETFs, Bitpanda Card, and Bitpanda Pay. Closest EU-headquartered direct competitor combining regulated crypto trading with a card/payments product targeting German-speaking markets Deblock is moving into.
Broad incumbents
- N26: One of Europe's largest neobanks with full EU banking license, IBAN, and cards. Comparable mobile-first European banking UX but no native crypto offering — represents the incumbent neobank segment Deblock is differentiating against.
- Bunq: Dutch pan-European neobank with multi-currency accounts, IBANs, and cards. Comparable on the European consumer banking side; relevant as a competitor for the same customer wallet share, though it does not offer self-custody crypto.
- Coinbase: US-listed largest US-compliant crypto exchange with a debit card, custody, and on-chain staking products. Comparable on the regulated-crypto-exchange-plus-payments axis, though geographically broader and operating under a different regulatory regime.
Others
- Kraken: US-based crypto exchange and existing Deblock investor via Kraken Ventures. Relevant as both a strategic investor and as a benchmark for what crypto-native scale looks like — Kraken's potential product expansion into EU banking would be a direct competitive threat.
- Ledger: French hardware wallet provider and employer of Deblock CTO Mario Eguiluz. Comparable on the self-custody private-key architecture and the security-first ethos, though Ledger does not offer fiat banking — relevant ecosystem partner/competitor as it has begun offering fiat on-ramp via Ledger Live.
Emerging players
- Relai: Swiss Bitcoin-only self-custodial app with low-fee buying and Lightning support. Comparable on the European self-custody crypto-savings narrative that Deblock targets, but narrower in scope (BTC only, no full banking).
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Deblock social profiles
Digital presenceDeblock compliance and trust
Trust signalCompliance4 records
Deblock financial estimates
Financial estimateRevenue estimate
Valuation estimate
Deblock leadership team
Management profileNumber of profiles
Profiles4 records
Deblock subsidiaries and ownership
Company hierarchySubsidiaries1 record
Deblock funding detail
Funding detailFunding overview
Funding rounds3 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Deblock M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Deblock
What does Deblock do?
Deblock is a hybrid crypto-banking platform that combines traditional euro current accounts (IBAN, VISA debit cards, instant SEPA transfers) with a non-custodial crypto wallet where users retain full control of their private keys. The platform offers 200+ cryptocurrencies, DeFi savings vaults yielding up to 10% in euros, and a daily-paid 4% yield on fiat deposits for Premium and Native tiers.
Is Deblock a public or private company?
Deblock is a private company. It is classified as venture growth investor backed and is currently operating.
When was Deblock founded?
Deblock was founded in 2022. It employs 11 to 50 people.
Where is Deblock based?
Deblock is headquartered in London, United Kingdom, in the Europe region.
How does Deblock make money?
Four revenue lines are on record. Subscription Tiers are the primary driver. The others are crypto Transaction Fees, international Transfer Fees and currency Exchange.
Who are Deblock's main competitors?
Direct peers on record are Revolut, Wirex, Crypto.com and Bitpanda. Broad incumbents are N26, Bunq and Coinbase. Others are Kraken and Ledger. Relai is listed as an emerging player.
Does Deblock have an API?
No public API is recorded for Deblock.
What industry is Deblock in?
Deblock's product category is Neobank / Crypto Banking. Its primary akta.pro industry code is FSADAFAA, Centralized Crypto Lending Platforms (CeFi), with a secondary code of FSADAMAF, Yield Aggregators & Strategy Vaults. Its NAICS code is 5221 and its SIC code is 6199.