Bitstack
Bitstack is a Paris-based crypto neobank offering a mobile Bitcoin savings app with round-ups, DCA automation, and a forthcoming Visa debit card to over 300,000 individual consumers across 20 European countries.
- Company typePrivate
- Founded2021
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Bitstack does
Bitstack is a Paris-based crypto-native neobank founded in 2021 that offers a mobile Bitcoin savings application to individual consumers across 20 European countries. Its core product is a mobile app through which users can buy, sell, send, and receive Bitcoin starting from €1, with the user proposition anchored on three habits-forming mechanisms: Round-Ups (automatic spare-change investing on card or bank purchases, with 2x/5x/10x multipliers via Bitstack Boost), Smart Recurring (hourly/daily/weekly/monthly automated DCA buys to mitigate volatility), and a forthcoming Visa debit card that pays Bitcoin rewards on everyday spending. Underlying technology relies on multi-signature cold-storage custody (the company states it does not lend or use user assets), an SMS OTP verification layer delivered via Prelude at a 99.8% delivery rate and 95% conversion rate, and a multi-language (7 languages) mobile app distributed through the Apple App Store and Google Play.
Bitstack firmographics
Firmographics- Name
- Bitstack
- Legal name
- Bitstack Digital Assets SAS
- Website
- https://bitstack-app.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Bitstack is a Paris-based crypto neobank offering a mobile Bitcoin savings app with round-ups, DCA automation, and a forthcoming Visa debit card to over 300,000 individual consumers across 20 European countries.
- Ownership category
- akta.pro rank
Bitstack industry classification
Industry- Product category
- Cryptocurrency Savings & Investment
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE)
- akta.pro secondary industries
- POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI), Payroll & Contractor Payments (Crypto) (FSADAIAH)
Keywords
Where Bitstack is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Bitstack business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Bitcoin Purchase/Sell Transaction Fees: Bitstack generates revenue through transaction fees charged when users buy or sell Bitcoin on the platform. Users can buy and sell Bitcoin starting from €1.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Bitcoin savings account |
Distribution channels4 records
Marketing channels10 records
Bitstack product offering
Product offeringCore offering
Bitstack operates a mobile Bitcoin savings application that enables European consumers to buy, sell, send, and receive Bitcoin starting from €1. The platform automates savings through Round-Ups (spare-change investing from everyday purchases) and DCA recurring buys (hourly, daily, weekly, or monthly), with a forthcoming Visa debit card that pays Bitcoin rewards on spending. The service is supported by multi-signature cold storage custody and is licensed as a Crypto-Assets Service Provider under MiCA.
Product overview
Bitstack is a unified Bitcoin savings platform offering a mobile application as its core product, supplemented by a Visa debit card (Bitstack Card) and a euro account for multi-currency management. Key features include Round-Ups (automatic spare-change investing), Smart Recurring (DCA automation), and Boost (multiplier for savings acceleration). The platform enables users to buy, sell, send, receive, and store Bitcoin, with a separate Business offering for corporate accounts.
Differentiator
Problem solved
Functional benefit
Products and services
- Bitstack App Mobile Bitcoin savings application for European consumers that allows buying, selling, sending, and receiving Bitcoin starting from €1, with automatic round-ups on linked bank or card purchases and scheduled DCA recurring buys. Holds a MiCA license and is licensed as a CASP by France's AMF.
- Bitstack Card Visa debit card enabling users to spend anywhere and earn Bitcoin rewards on every purchase, with round-up integration for automatic savings. Backed by featured merchants such as Carrefour, Nike, IKEA, and Netflix, with 200,000+ on the waitlist.
- Euro Account Euro-denominated account integrated within the Bitstack app for storing, converting, and managing euros alongside Bitcoin holdings, with e-money infrastructure provided by Xpollens.
- Bitstack Business Bitcoin savings and payment solution designed for business accounts, enabling companies to manage Bitcoin investments and allocate portions of employee payroll into Bitcoin.
Quantifiable outcome
- 300,000+ active users have saved over €300M in Bitcoin
- +3 more outcomes
Companies that use Bitstack
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles2 records
Bitstack technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Bitstack partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- PreludecoreBitstack integrated Prelude's SMS verification platform to resolve OTP deliverability issues, connecting to 20 international and local providers. The implementation achieved a 99.8% delivery rate and 95% conversion rate, a 10-point improvement over previous providers, while also reducing costs through fewer retry attempts.
- XpollenscoreBitstack operates as a licensed agent of Xpollens, an electronic money institution authorized by ACPR (CIB 16528, ACPR number 747088). Xpollens provides the underlying e-money infrastructure for Bitstack's euro account and card services. Bitstack's MiCA license complements this e-money partnership, enabling full-stack Bitcoin and euro account services.
- STATION FminorBitstack's Paris office is located at STATION F, the world's largest startup campus, providing access to the startup ecosystem, networking, and co-working facilities.
Scale indicators8 records
Recent moves6 records
Expansion highlights7 records
Bitstack competitors and assessment
Company assessmentBroad incumbents
- Coinbase: Largest US-listed crypto exchange, now MiCA-licensed in Europe, offering retail buy/sell, DCA-style recurring buys, and a Visa debit card. Comparable on the regulated EU crypto retail wedge but with vastly broader asset coverage and scale.
- Cash App: Block's consumer fintech with deep Bitcoin buy/sell, DCA, and Boost rewards functionality embedded in a broad P2P payments app. Comparable as a Bitcoin-native consumer surface but operates at much larger scale and as part of a multi-feature neobank portfolio.
- Revolut: European neobank with crypto buy/sell, recurring buys, and a card product serving the same EU retail customer base. Comparable as a competitor for crypto savings and card spend, though Revolut's crypto offering is one of dozens of features rather than the wedge.
- N26: European mobile-first neobank serving retail customers in the same 20+ EU countries as Bitstack. Comparable as a competitor for euro accounts, card spend, and embedded savings features, though N26 has limited Bitcoin functionality today.
Direct peers
- Strike: Bitcoin-native payments and savings app offering DCA, retail rewards, and a debit card. Directly comparable on the round-up-plus-card wedge that Bitstack is launching and on a Bitcoin-only philosophy; geographic focus (US/LATAM) limits overlap but product overlap is high.
- Swan Bitcoin: US-based Bitcoin savings and DCA platform built around recurring buys and retirement accounts. Highly comparable on the automated-DCA value proposition that anchors Bitstack's Smart Recurring feature, though Swan has historically been retail/institutional rather than mobile-first.
- Relai: Swiss-headquartered Bitcoin-only app with recurring buys (DCA), round-ups, and Lightning payments across Europe. Closest direct competitor to Bitstack in terms of product surface, target customer (European retail Bitcoin savers), and Bitcoin-only positioning.
Others
- 21Shares: Swiss crypto ETP issuer with deep EU institutional and retail distribution and MiCA-aligned product range. Comparable as an adjacent European crypto financial services player and a potential distribution or product partner rather than a direct retail competitor.
- MoonPay: Global fiat-to-crypto on/off-ramp provider with extensive payment-method coverage and MiCA footprint. Comparable as infrastructure counterparties Bitstack could integrate with for fiat rails, and as adjacent on/off-ramp competition for retail sign-ups.
Regional players
- Bison: German Bitcoin-only app operated by Börse Stuttgart, offering simple buy/sell and savings for retail German users. Comparable as a regulated European Bitcoin-only retail app, but Bison serves primarily the German market versus Bitstack's pan-EU footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Bitstack social profiles
Digital presenceBitstack compliance and trust
Trust signalCompliance3 records
Bitstack financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bitstack leadership team
Management profileNumber of profiles
Profiles5 records
Bitstack funding detail
Funding detailFunding overview
Funding rounds7 records
Investors15 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bitstack 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 Bitstack
What does Bitstack do?
Bitstack operates a mobile Bitcoin savings application that enables European consumers to buy, sell, send, and receive Bitcoin starting from €1. The platform automates savings through Round-Ups (spare-change investing from everyday purchases) and DCA recurring buys (hourly, daily, weekly, or monthly), with a forthcoming Visa debit card that pays Bitcoin rewards on spending. The service is supported by multi-signature cold storage custody and is licensed as a Crypto-Assets Service Provider under MiCA.
Is Bitstack a public or private company?
Bitstack is a private company. It is classified as venture growth investor backed and is currently operating.
When was Bitstack founded?
Bitstack was founded in 2021. It employs 11 to 50 people.
Where is Bitstack based?
Bitstack is headquartered in Paris, France, in the Europe region.
How does Bitstack make money?
One revenue line is on record: bitcoin Purchase/Sell Transaction Fees.
Who are Bitstack's main competitors?
Broad incumbents on record are Coinbase, Cash App, Revolut and N26. Direct peers are Strike, Swan Bitcoin and Relai. Others are 21Shares and MoonPay. Bison is listed as a regional player.
Does Bitstack have an API?
No public API is recorded for Bitstack.
What industry is Bitstack in?
Bitstack's product category is Cryptocurrency Savings & Investment. Its primary akta.pro industry code is FSADAIAE, On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks, with a secondary code of FSADAIAI, POS, QR & In-Person Acceptance Infrastructure (Crypto). Its NAICS code is 52232 and its SIC code is 6199.