Brighty App
Brighty App is a crypto-native digital finance platform offering fiat and stablecoin accounts, multi-chain crypto wallets, Visa/Mastercard debit cards, DeFi earning vaults, and a Banking API for AI Agents, serving approximately 350,000 consumers across 27+ countries and 150+ crypto-driven B2B companies through Polish entity Wireflexion sp. z o.o.
- Company typePrivate
- Founded2021
- HeadquartersZug, Switzerland
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Brighty App does
Brighty App is a crypto-native digital finance platform that bridges fiat and cryptocurrency functionality through a freemium mobile application and a B2B web platform. Founded in 2020 and operated primarily through Polish entity Wireflexion sp. z o.o. (with Canadian entity Breinrock Ltd. providing payment services), Brighty serves approximately 350,000 registered users across 27+ countries and 150+ crypto-driven B2B clients, with $1.5B in cumulative platform turnover and a 4.5 app store rating. Its core offering combines multi-currency IBAN accounts (EUR, USD, GBP), stablecoin and cryptocurrency wallets (supporting USDC, EURC, BTC, ETH and more), physical and virtual Visa/Mastercard debit cards issued via Estonian partner Wallester, and DeFi-based earning vaults yielding up to 10.41% APY on USDC/EURC. The underlying technology stacks traditional banking rails (SEPA, SWIFT, FPS) with programmable cryptocurrency functionality across six blockchain networks (ERC-20, TRC-20, Solana, Arbitrum, BNB Chain, Tezos), secured by Fireblocks custody with $250M insurance coverage and verified through Merkle tree proof-of-reserves.
The business model operates on multiple revenue streams: tiered consumer subscriptions (Brighty One free, Plus and Pro paid tiers), transaction-based crypto-fiat exchange spreads at institutional rates, card cashback economics (up to 1.75% on consumer cards, up to 2% on corporate cards), a 25-USDC referral program, and custom-priced B2B platform subscriptions. The B2B segment targets crypto-native businesses, agencies and consulting firms, and global SMBs with EU IBANs, corporate Mastercards, payroll services, and a Banking API for AI Agents (launched March 2026) that exposes Brighty's banking primitives to MCP-compatible AI agents (Claude, Cursor, Codex) for autonomous financial operations under operator confirmation. The company operates under multiple regulatory frameworks: Polish VASP registration (RDWW-1690), Canadian FINTRAC license (M20573902), and Estonian FSA payment institution licensing through Wallester, with explicit positioning for EU MiCA compliance.
Brighty pursues a hybrid go-to-market combining product-led growth (self-serve app onboarding, app store optimization, referral programs, open-source developer tooling) with a sales-led enterprise motion for B2B clients featuring dedicated account managers and custom case handling. Distribution extends through mobile app stores, the business.brighty.app portal, the Visa/Mastercard global acceptance network, and a developer-facing API platform. Recent strategic emphasis includes Spain as a leading EURC stablecoin market (36% of EURC transactions), a crypto real estate vertical facilitating 100+ transactions valued $500K-$2.5M each, and the pioneering 'agentic banking' positioning through AI agent integration. The company has raised $16.3 million in disclosed funding across multiple rounds, including a $10 million round in December 2024 led by Futurecraft Ventures.
Brighty App firmographics
Firmographics- Name
- Brighty App
- Legal name
- Wireflexion sp. z o.o.
- Website
- https://brighty.app
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Brighty App is a crypto-native digital finance platform offering fiat and stablecoin accounts, multi-chain crypto wallets, Visa/Mastercard debit cards, DeFi earning vaults, and a Banking API for AI Agents, serving approximately 350,000 consumers across 27+ countries and 150+ crypto-driven B2B companies through Polish entity Wireflexion sp. z o.o.
- Ownership category
- akta.pro rank
Brighty App industry classification
Industry- Product category
- Digital Banking
- NAICS
- Credit Card Issuing (522210), Depository Credit Intermediation (5221)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC)
- akta.pro secondary industries
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Crypto/Web3 Neobanks (FSABAFAG), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
Keywords
Where Brighty App is headquartered
LocationHeadquarters
- HQ city
- Zug
- HQ country
- Switzerland
- HQ region
- Europe
Offices3 records
Markets served
Brighty App business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure, Others
Revenue model
- Subscription Plans: Freemium model with Brighty Plus and Brighty Pro paid tiers offering enhanced features, higher limits, and better earning rates
- Crypto Card Cashback: Tiered cashback program for Visa and MasterCard cards offering up to 1.75% back, with promotional periods doubling earned percentages
- Referral Program: Users earn 25 USDC referral rewards after referred users complete three qualifying purchases of at least 10 EUR equivalent each
- Crypto Exchange Spreads: Revenue generated through spread on crypto-fiat conversions and currency exchanges at institutional rates
- Business Platform Services: B2B platform for corporate clients offering EU IBANs, multi-asset wallets, corporate Mastercards, and API access for AI agents with customized pricing
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Brighty One Plan - Basic features at no cost |
| Subscription | Monthly | Brighty Plus - Enhanced features with improved rates |
| Subscription | Monthly | Brighty Pro - Premium tier for power users |
| Hybrid | Pay-as-you-go | Referral Program - 25 USDC per qualified referral |
| Subscription | Multi-year contract | Business Account - Custom pricing for B2B clients |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Brighty App product offering
Product offeringCore offering
Brighty App is a mobile-first digital finance platform that combines fiat banking (EUR, USD, GBP accounts with named IBANs via SEPA, SWIFT, FPS) with multi-chain cryptocurrency wallets, DeFi earning vaults yielding up to 10.41% APY on stablecoins, and Visa/Mastercard debit cards that let users spend crypto globally with zero conversion fees. A separate Brighty Business Platform provides EU IBANs, corporate cards, multi-chain FX, payroll, and an AI Agent Banking API for crypto-native businesses and developers.
Product overview
Brighty App is a crypto-native digital finance platform operating as a platform-plus-modules architecture. The core offering consists of the Brighty App (Personal) platform combining fiat and cryptocurrency services with earning vaults, multi-currency IBANs, and debit cards. The separate Brighty Business Platform provides B2B banking with EU IBANs, corporate cards, payroll, and multi-chain FX. A key differentiator is the Banking API for AI Agents, enabling autonomous banking operations through AI agents. Specialized card products include TON Card, ISLM Card, and NPC Card targeting specific cryptocurrency communities. The ecosystem includes earning vaults with variable APY (up to 10.41%), crypto debit cards (Visa/Mastercard via Wallester), and various business solutions for Web3 companies, agencies, and SMBs.
Differentiator
Problem solved
Functional benefit
Brands
- Brighty Business: B2B banking platform offering EU IBANs, multi-asset wallets, corporate Mastercards, payments, currency exchange, and payroll services for crypto-driven businesses.
- Brighty One
- Brighty AI Agents
Products and services
- Brighty App (Personal) Mobile-first crypto-fiat personal banking application combining fiat accounts (EUR, USD, GBP with named IBANs) and cryptocurrency wallets. Includes Earning Vaults with up to 10% APY, multi-currency IBAN accounts, and Visa/Mastercard debit cards for seamless crypto spending. Serves individual consumers and content creators.
- Brighty Business Platform B2B banking platform providing EU IBANs, multi-asset wallets, corporate Mastercards with up to 2% crypto cashback, SEPA/SWIFT/on-chain payouts, multi-chain FX, and payroll services for crypto-driven businesses. Trusted by 150+ crypto-driven companies and used by agencies and consulting firms for supplier payments and EUR/USDC settlement.
- Banking API for AI Agents Programmatic banking API enabling AI agents (Claude, Codex, Cursor) to autonomously execute business banking operations including payments, FX, payroll, reconciliation, and card management with operator confirmation before any money movement. Includes Brighty MCP server (@brighty-app/mcp-server@latest) and TypeScript SDK.
- Business Payments B2B payment solution enabling crypto and fiat transactions, SEPA/SWIFT/on-chain payouts from a single balance, with fast onboarding and personal manager support.
- Business Currency Exchange Multi-chain FX service supporting swaps across ERC-20, TRC-20, Solana, Arbitrum, BNB Chain, and Tezos at institutional spreads with zero bridge fees.
- Business Payroll Payroll solution for managing international team compensation in fiat or cryptocurrency, supporting 350+ digital assets and 20+ fiat currencies with bulk payment capabilities.
- Web3 Solutions Treasury management, fiat conversion, and worldwide instant staff payments for crypto-native businesses.
- SMB Solutions Financial operations tools for small and medium businesses including international payroll, cross-border transactions, and crypto-friendly banking.
- Agencies & Consulting Solutions Payment solutions for marketing and consulting agencies including supplier payments, ad spend management on branded corporate cards, and settlement in EUR or USDC.
- For Creators Financial solutions tailored for content creators to earn, spend, and grow with crypto, including multi-currency accounts and optimized payment flows.
- Wallester-Issued Debit Cards Visa-branded physical and virtual debit cards issued by Wallester AS (Estonian Financial Supervision Authority license No. 4.1-1/224), available as Chip&Pin physical cards or virtual cards with NFC functionality for global spending of crypto and fiat balances.
- TON Card Specialized debit card for spending TON (Toncoin) like fiat, leveraging Brighty compliance with HAQQ network speed.
- ISLM Card Debit card for spending ISLM tokens while earning, spending, and investing with values-aligned features.
- NPC Card Debit card for spending NPC tokens anywhere Visa is accepted.
Quantifiable outcome
- Up to 10.41% APY on USDC and EURC stablecoins through earning vaults
- +5 more outcomes
Companies that use Brighty App
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles6 records
Brighty App technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability3 records
Feature5 records
Brighty App partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- FireblockscoreDigital asset custody technology provider. Brighty uses Fireblocks for crypto wallet custody and management, providing audited custody, continuous KYT monitoring, and $250M insurance coverage for client assets.
- EllipticcoreCryptocurrency intelligence and blockchain analytics provider. Used for compliance due diligence, KYT (Know Your Transaction) monitoring, and anti-money laundering screening.
- SumsubcoreIdentity verification and KYC provider for customer identification and verification during onboarding process.
- VisacoreGlobal payment network for secure card transactions. Brighty issues Visa-branded debit cards enabling spending at millions of merchants worldwide.
- MastercardcoreGlobal payment network for secure card transactions. Brighty issues Mastercard-branded corporate cards for business customers with programmable limits and controls.
- WallestercorePayment services provider (registration 11812882) holding Estonian Financial Supervision license No. 4.1-1/224. Issues physical and virtual payment cards for Brighty users.
- CirclecoreIssuer of USDC and EURC stablecoins. Brighty processes crypto real estate transactions primarily through Circle's stablecoins USDC and EURC.
- Breinrock Ltd.coreCanadian company (registration 10978538) providing account and payment services with FINTRAC license M20573902. Provides fiat banking services for Brighty.
Scale indicators10 records
Recent moves6 records
Expansion highlights6 records
Brighty App competitors and assessment
Company assessmentDirect peers
- Revolut: European neobank offering multi-currency accounts, debit cards, and crypto trading/spending — the CTO's former employer and the closest direct competitor in crypto-fiat banking with B2B features.
- Wirex: Crypto-native card and payments platform offering Visa debit cards linked to crypto balances with multi-currency support — directly comparable product overlap with Brighty's card and earning features.
- Crypto.com: Major crypto platform offering Visa debit cards, earning accounts, and B2B payments — directly competes with Brighty's card and yield products at a much larger scale.
- Bitpanda: European crypto investment platform with debit cards, multi-currency accounts, and B2B services — comparable in geographic focus, regulatory approach, and crypto-fiat integration.
- Gnosis Pay: Crypto-native Visa debit card enabling on-chain spending via Gnosis Chain — comparable crypto-card-issuing model with similar self-custody and stablecoin positioning.
Broad incumbents
- N26: European neobank offering multi-currency accounts and debit cards with limited crypto features — broader incumbent in the same regulatory geography without Brighty's crypto-native depth.
- PayPal: Global digital payments incumbent offering crypto buy/sell, PYUSD stablecoin, and B2B payments — overlaps with Brighty's card, crypto, and B2B payments offerings as a much larger established player.
Regional players
- bunq: Dutch-headquartered European neobank with multi-currency IBANs and business banking — comparable EU-focused digital banking model but without Brighty's crypto-native core offering.
Emerging players
- Alchemy Pay: Crypto payment gateway enabling merchants to accept crypto and stablecoins — comparable crypto payments infrastructure focus with an enterprise/API-first GTM motion.
- Bridge (by Stripe): Stablecoin API platform acquired by Stripe for programmatic stablecoin payments — most direct competitor to Brighty's AI Agent Banking API in the developer-first crypto-fiat settlement layer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Brighty App social profiles
Digital presenceBrighty App compliance and trust
Trust signalCompliance6 records
Brighty App financial estimates
Financial estimateRevenue estimate
Valuation estimate
Brighty App leadership team
Management profileNumber of profiles
Profiles3 records
Brighty App funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Brighty App 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 Brighty App
What does Brighty App do?
Brighty App is a mobile-first digital finance platform that combines fiat banking (EUR, USD, GBP accounts with named IBANs via SEPA, SWIFT, FPS) with multi-chain cryptocurrency wallets, DeFi earning vaults yielding up to 10.41% APY on stablecoins, and Visa/Mastercard debit cards that let users spend crypto globally with zero conversion fees. A separate Brighty Business Platform provides EU IBANs, corporate cards, multi-chain FX, payroll, and an AI Agent Banking API for crypto-native businesses and developers.
Is Brighty App a public or private company?
Brighty App is a private company. It is classified as venture growth investor backed and is currently operating.
When was Brighty App founded?
Brighty App was founded in 2021. It employs 11 to 50 people.
Where is Brighty App based?
Brighty App is headquartered in Zug, Switzerland, in the Europe region.
How does Brighty App make money?
Five revenue lines are on record. Subscription Plans are the primary driver. The others are crypto Card Cashback, referral Program, crypto Exchange Spreads and business Platform Services.
Who are Brighty App's main competitors?
Direct peers on record are Revolut, Wirex, Crypto.com, Bitpanda and Gnosis Pay. Broad incumbents are N26 and PayPal. bunq is listed as a regional player. Emerging players are Alchemy Pay and Bridge (by Stripe).
Does Brighty App have an API?
Yes. Brighty offers a Banking API for AI Agents enabling autonomous execution of business banking operations including payments, FX, payroll, and reconciliation. The API provides programmatic access to business banking functions without human intervention, targeting tech-savvy businesses, freelancers, and corporate clients. A Brighty MCP (Model Context Protocol) server is also available via @brighty-app/mcp-server@latest for integration with Claude Code, Cursor, Codex, and other MCP-aware clients. Developer documentation is at apidocs.brighty.app.
What industry is Brighty App in?
Brighty App's product category is Digital Banking. Its primary akta.pro industry code is FSADAIAC, Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid), with a secondary code of BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 522210 and its SIC code is 6199.