What 21bitcoin does

21bitcoin is the consumer-facing brand of FIOR Digital GmbH, a Salzburg, Austria-based fintech founded in 2021 that operates a mobile-first Bitcoin investment platform for European users. The company is positioned as a regulated, Bitcoin-only alternative to broader crypto exchanges, holding a MiCAR (EU Markets in Crypto-Assets Regulation) license as a crypto-asset service provider and serving 100,000+ users primarily across the DACH region and the wider EU.

The product surface is built around a native iOS and Android app that lets users buy, sell, and hold Bitcoin, with optional Auto-Invest recurring purchases after a 7-day holding period, and a public bug bounty program. The platform is segmented into three tiers: the 21bitcoin App for retail users, 21Private for high-net-worth individuals with portfolios above €100,000, and 21Business for corporate treasury clients. Customer assets are custodied with BitGo under $250M of insurance, which is the load-bearing piece of the security architecture and a deliberate trust signal given the regulatory and reputational stakes of holding client crypto balances in a single-asset wrapper.

Monetization is anchored in a transparent fee schedule starting at 0.79%, with management fees layered on for higher-tier clients. Reported trading volume of €165M is the primary scale metric, and the stated intent to triple that volume — combined with the bank-led funding round and the VR Bank Bayern Mitte distribution partnership — indicates the company is investing in customer acquisition, tier expansion, and EU passporting rather than near-term monetization. Headcount of 11–50 people and an earlier ~$348K 2021 round followed by a €2.1M 2023 round led by a German cooperative bank suggest a still-early commercial stage with strategic-banking backers, where volume growth and regulatory coverage are being prioritized over profitability.

Name

21bitcoin

Legal name

FIOR Digital GmbH

Website

https://21bitcoin.app

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

21bitcoin (FIOR Digital GmbH) is a Salzburg-based, MiCAR-licensed mobile platform that lets European retail, HNW, and corporate clients buy, sell, and hold Bitcoin via a BitGo-custodied app with a 0.79% fee and recurring Auto-Invest functionality.

Ownership category

akta.pro rank

Product category

Cryptocurrency Trading Platform

NAICS

Securities and Commodity Exchanges (5232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)

Keywords

• Bitcoin investment platform
• Crypto trading app
• Bitcoin savings plan
• Crypto asset services
• Digital asset custody

Headquarters

HQ city

Salzburg

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others

Revenue model

1. Bitcoin Purchase/Sell Transaction Fees: 21bitcoin charges percentage-based fees on BTC buy and sell transactions executed on the platform. The base fee starts at 0.79%, with the Auto-Invest feature offering 0% purchase fee after 7 days of active orders. The revenue is generated on each instant buy, limit order, and Auto-Invest execution. The company hedges positions through professional market trades, generating small margins without worsening client purchase prices.
2. Premium Service Tiers (21Private & 21Business): 21Private targets high-net-worth individuals trading beyond standard limits (>€100,000) with exclusive personal service including telephone support and expert advice. 21Business serves companies adding Bitcoin to their balance sheet with dedicated support and industry expertise. These premium tiers likely command higher fees or different pricing structures than the standard retail offering.
3. Referral & Affiliate Program: The Refer-a-Friend program pays existing clients a bonus (percentage of net revenue generated from referred clients' BTC purchases) when referred persons execute certain buy orders. The affiliate program allows partners to join the 21partner network, likely earning commissions for driving new user sign-ups and trading activity.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

21bitcoin is a MiCAR-licensed mobile-first Bitcoin investment platform operated by FIOR Digital GmbH, allowing users to buy, sell, and securely store Bitcoin starting from €10. The platform offers SEPA Instant deposits up to €100,000, multiple order types (instant buy, limit orders, Auto-Invest recurring purchases), and insured custody through BitGo. Premium tiers include 21Private for high-net-worth individuals (€100,000+) and 21Business for corporate clients adding Bitcoin to their balance sheets.

Product overview

21bitcoin is a Bitcoin-focused financial platform operated by FIOR Digital GmbH, a MiCAR-licensed crypto-asset service provider based in Austria. The platform operates a tiered product architecture consisting of three main offerings: 21bitcoin (core consumer product for buying, selling, and storing Bitcoin starting from €10), 21private (premium tier for high-net-worth clients trading beyond €100,000 with enhanced personal service), and 21business (corporate solution for companies adding Bitcoin to their balance sheets). The platform provides multiple Bitcoin acquisition methods including instant buy, limit orders, and Auto-Invest recurring purchases, supported by SEPA Instant deposits up to €100,000. Custody is handled through BitGo Custody with $250 million insurance coverage. Key features include Auto Wallet Transfer with xPub support for self-custody, personal 24/7 support, tax reporting tools with automatic Austrian KESt deduction, and referral/affiliate programs. The platform is regulated by the Austrian FMA under MiCAR and partners with German bank VR Bank Bayern Mitte for fiat operations.

Differentiator

Problem solved

Functional benefit

Brands

• 21Private: Premium service for high-net-worth clients who want to trade beyond standard limits (amounts exceeding €100,000) with exclusive personal service including telephone support and expert advice.
• 21Business
• Auto-Invest

Products and services

• 21bitcoin App Core mobile application enabling individual consumers in Europe to buy, sell, and securely store Bitcoin starting from €10 minimum investment, with SEPA Instant deposits and insured custody.
• 21Private Premium tier for high-net-worth individuals trading beyond €100,000, offering exclusive personal service, telephone support, and expert advice from Bitcoin specialists.
• 21Business Corporate Bitcoin service enabling businesses to add Bitcoin to their balance sheet, with exclusive personal service, dedicated support, and industry-leading expertise.
• Auto-Invest Zero-fee recurring BTC purchase feature allowing users to automatically buy Bitcoin at regular intervals (hourly, daily, weekly, bi-weekly, or monthly) from their EUR balance, with 0% purchase fee permanently after 7 days of active order.
• Bug Bounty Program Security vulnerability disclosure program that rewards researchers who identify and report security issues in 21bitcoin's mobile application and websites, with rewards paid in EUR via SEPA transfer.

Quantifiable outcome

• Over 100,000 users in Europe trust 21bitcoin with 4.8/5 rating on App Stores (1,075+ ratings) and 4.9/5 on Google Play (830+ ratings)
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Five partnerships are on record, tiered core, flagship and minor.

• BitGo Europe GmbHcoreTechnology or IntegrationBitGo Europe GmbH (BaFin-licensed, registration 50095544) serves as the cold wallet sub-custodian for 21bitcoin's clients' Bitcoin holdings. The company provides technical storage of private cryptographic keys for cold wallets while FIOR remains the sole contractual counterparty. BitGo Custody holds over $250M in cold storage coverage and provides insurance protection against hacks and theft. Clients' BTC is held 1:1 and never lent out.
• FC Red Bull SalzburgflagshipGTM or Marketing Partner21bitcoin is the Official Partner of FC Red Bull Salzburg, one of Austria's leading football clubs. As in sports, the partnership emphasizes constant development and remaining at the top. This sports sponsorship serves as a key brand-building and awareness lever in the DACH region, associating 21bitcoin with a premium, success-oriented brand.
• TerahashminorStrategic or Co-development Partner21bitcoin and Terahash formed a Strategic Alliance for Bitcoin Education in the DACH Region. The partnership focuses on providing educational resources and content to help people understand and invest in Bitcoin, combining 21bitcoin's platform with Terahash's educational expertise.
• EY LawminorImplementation/ SI/ Consulting PartnerEY Law (Ernst & Young) advised 21bitcoin on its successful €2.1M financing round, providing legal counsel on the transaction structure and terms.
• BitGo CustodycoreTechnology or IntegrationBitGo Custody provides the insurance and cold storage infrastructure protecting 21bitcoin clients' Bitcoin. With over $250M in cold storage coverage, the insurance policy protects client BTC against crime such as hacks or theft. This partnership is central to 21bitcoin's security proposition.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Relai: Swiss Bitcoin-only mobile investment app with a self-custody focus. Most directly comparable peer given similar Bitcoin-only positioning, mobile-first product, European retail focus, and emphasis on simplicity and security.
• Mt Pelerin: Swiss-regulated crypto-asset service provider offering brokerage, custody, and tokenization services to retail and institutional clients. Comparable given similar European regulated crypto-asset service positioning, premium tier offerings, and bank-account-based fiat rails.
• Nuri (formerly Bitwala): German crypto banking platform combining a current account with Bitcoin trading and custody. Comparable given similar European retail crypto-banking positioning, banking partnership model, and MiCAR-era regulatory approach.
• Bitcoin Suisse: Swiss regulated provider of crypto-asset services including brokerage, custody, and staking. Comparable as a regulated European crypto-asset service provider serving retail, HNW, and institutional clients with strong banking relationships.

Broad incumbents

• Bitpanda: Vienna-headquartered multi-asset retail broker offering crypto, stocks, ETFs, and commodities. Highly comparable given shared Austrian/DACH home market and MiCAR-regulated crypto-asset services, but significantly larger and broader in scope.
• Binance: Global crypto exchange with the largest retail trading volumes. Comparable in retail crypto brokerage and mobile app distribution, though operating at vastly greater scale, broader asset coverage, and under increasing EU regulatory pressure that may benefit compliance-focused peers like 21bitcoin.
• Coinbase: US-listed global crypto exchange and broker serving retail and institutional clients. Comparable as a regulated crypto-asset service provider with strong brand, mobile app, and recurring purchase features, though operating at vastly greater scale and broader geography.
• Kraken: Global crypto exchange with European regulated operations. Comparable as a long-standing, compliance-focused exchange with retail and institutional offerings and emphasis on security architecture including insured custody.
• Bison (Boerse Stuttgart Digital): German crypto trading app operated by Boerse Stuttgart Digital, the digital arm of Stuttgart Exchange Group. Comparable as a banking-group-backed regulated German crypto broker serving retail clients, with similar banking-anchored distribution model.

Others

• Trade Republic: German retail broker offering stocks, ETFs, derivatives, and crypto with a mobile-first self-serve model. Not a direct crypto competitor, but highly comparable as a DACH-headquartered retail investing platform with banking partnerships and a freemium pricing model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/21bitcoinApp
• YouTubeyoutube.com/@21bitcoinApp
• Facebookfacebook.com/21bitcoinapp
• LinkedInlinkedin.com/company/21bitcoin
• Instagraminstagram.com/21bitcoin.app
• TikToktiktok.com/@21bitcoinapp

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 21bitcoin