2gether

What 2gether does

2gether Money Management, SL is a Spanish fintech incorporated in Madrid in 2016 that operates a mobile-first collaborative banking platform combining fiat banking services with cryptocurrency trading. The platform, accessible via iOS and Android apps, enables Eurozone consumers to buy and sell cryptocurrencies (Bitcoin, Ethereum and others) at real market prices, manage EUR accounts, execute SEPA transfers, withdraw cash from ATMs, and spend balances via a prepaid VISA card. Card issuance and payment account services are delivered in partnership with Pecunpay (Pecunia Cards EDE, S.L.U.), an Electronic Money Entity supervised by the Bank of Spain, while cryptocurrency trading is routed through the Kraken exchange integrated into the app.

The platform's commercial and governance architecture is anchored by the 2GT native ERC20 utility token, with a total supply of 2.4 billion tokens issued on February 23, 2021 via the decentralized Bounce protocol at €0.05 per token. Users acquiring at least 200 2GT tokens (€10 minimum) become "Founders" and unlock a tiered benefits structure — Founder (200 2GT), Explorer (2,000 2GT), Challenger (20,000 2GT) and Sato (100,000 2GT) — that progressively reduces trading commissions from 0.52% to zero and increases VISA cashback, ATM refunds and referral multipliers. 2GT was subsequently listed on Uniswap in March 2021 to enable secondary market liquidity. A maximum of 400 million 2GT (€20M) was allocated for public sale.

Monetization combines trading commissions (tiered by 2GT holdings), third-party fee pass-through (ATM operators, network fees), and the 2GT token sale. The company is privately held with no disclosed institutional venture rounds; support has come from Lanzadera Accelerator (2019), Desafia (2020), a $1.82M round in January 2021, and Spanish public funding (ENISA, Pyme, FEDER/Ministry of Science project RTC-2017-6779-7). Services are geographically restricted to 22 Eurozone countries plus Andorra, Monaco and San Marino, with the United States explicitly excluded from the token sale.

Name

2gether

Legal name

2gether Money Management, SL

Website

https://2gether.global

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

2gether is a Madrid-based mobile neobank serving Eurozone consumers with an integrated platform for cryptocurrency trading, EUR accounts, SEPA transfers, and a prepaid VISA card, using its native 2GT token to drive a tiered, community-based rewards model.

Ownership category

akta.pro rank

Product category

Cryptocurrency Banking

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Depository Credit Intermediation (5221), Securities and Commodity Exchanges (52321)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Crypto Payment Gateways & Checkout APIs (FSADAIAA)

Keywords

• Crypto banking platform
• Neobank services
• Collaborative banking
• Prepaid visa card
• Cryptocurrency exchange

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Trading Commissions: 2gether charges trading commissions on cryptocurrency exchanges. Commission rates vary by Founder tier: User tier pays 0.52%, Founder tier (200 2GT) pays 0.26%, Explorer tier (2,000 2GT) enjoys 50% refund, Challenger tier (20,000 2GT) enjoys 100% refund, Sato tier (100,000 2GT) enjoys 100% refund plus additional benefits.
2. 2GT Token Sale: Sale of 2GT tokens to users. Token price is €0.05 per token with minimum purchase of 200 tokens (€10). Maximum 400 million 2GT (€20M) allocated for public sale during 2020-2022 period. Users must purchase minimum 2GT to access premium services like VISA card.
3. Third-party Fee Pass-through: 2gether passes on third-party fees to users, including ATM withdrawal fees charged by ATM operators, bank transfer costs, and cryptocurrency network fees. Initial services are free with no fees for crypto service usage.
4. Uniswap Liquidity Pool: 2GT token listed on Uniswap decentralized exchange with 0.3% profitability for liquidity providers. Secondary market trading generates trading activity and potential fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

2gether operates a mobile-first collaborative banking platform that combines traditional fiat banking services (EUR account, prepaid VISA card, SEPA transfers, ATM withdrawals) with cryptocurrency trading capabilities (Bitcoin, Ethereum and other tokens) at real market prices. The platform is centered on the native 2GT ERC20 utility token, where users who acquire tokens become "Founders" and unlock tiered benefits including reduced trading commissions, cashback rewards, and refunds.

Product overview

2gether is a collaborative crypto banking platform that combines traditional banking services (prepaid VISA card, euro account, SEPA transfers, ATM withdrawals) with cryptocurrency trading capabilities. The platform operates through its mobile app where users can buy and sell cryptocurrencies (Bitcoin, Ethereum, and other tokens) at real market prices without added fees. The 2GT native token serves as the central element of the collaborative model, where users who acquire 2GT become 'Founders' and unlock tiered benefits including reduced trading commissions, cashback, and refunds. Services are delivered through partnerships with Pecunpay (VISA card/electronic money) and Kraken (cryptocurrency exchange).

Differentiator

Problem solved

Functional benefit

Products and services

• 2gether Mobile App The main mobile banking application for iOS and Android that serves as the unified platform for all 2gether services. Enables individual consumers to buy and sell cryptocurrencies at real market price without added fees, manage wallets, make SEPA transfers, and spend via the prepaid VISA card.
• 2gether Prepaid VISA Card A prepaid VISA card linked to the user's wallet accounts (crypto or EUR), enabling spending of cryptocurrency or fiat currency anywhere VISA is accepted. Requires 200 2GT minimum ownership to access.
• Crypto Wallets (BTC and ETH) Cryptocurrency wallets dependent on public Blockchains (Bitcoin and Ethereum) where users store their cryptocurrency balances. Enables deposits, transfers, withdrawals, and linking to the prepaid card for payments.
• Cryptocurrency Trading Account Trading environment within the mobile app for operating in the unregulated cryptocurrency market. Enables buying, selling, and exchanging cryptocurrencies (BTC, ETH, BCH, DASH, EOS, LTC, XLM, XRP, QTUM, ADA, DAI, BAT, WAVES, XTZ, USDT, UNI, LINK).
• EUR Fiat Account Euro account wallet that allows users to manage fiat currency within the 2gether platform. Enables deposits, transfers, and cash withdrawals. Funds are held with Pecunpay, an electronic money institution supervised by the Bank of Spain.
• SEPA Transfers Transfer service enabling users to send euros via shared IBAN to other bank accounts. Transfers can be made by indicating destination IBAN or selecting other 2gether users from the contact list.
• ATM Cash Withdrawal Cash withdrawal service allowing users to withdraw euros from ATMs that accept VISA cards using the 2gether prepaid card. Withdrawals are limited to the EUR balance in the user's wallet.
• 2GT Token 2gether's native ERC20 utility token and the engine of the collaborative model. Users acquire 2GT to become 'Founders' and gain access to premium benefits including reduced trading commissions, cashback, and refunds. Total supply: 2.4 billion tokens. Listed on Uniswap decentralized exchange from March 2021.

Quantifiable outcome

• 0% spread on cryptocurrency trading (initially)
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• UniswapcoreTechnology or Integration · 1 March 2021Decentralized exchange where 2GT tokens are listed for secondary market trading. 2GT/ETH liquidity pool offering 0.3% profitability for liquidity providers. Token accessible at 0xc96c1609a1a45ccc667b2b7fa6508e29617f7b69.
• Bounce ProtocolcoreTechnology or Integration · 23 February 2021Decentralized protocol used for the official issuance of 2GT tokens on February 23, 2021. International buy-side campaign conducted through this platform.
• Pecunia Cards EDE, S.L.U. (Pecunpay)coreStrategic or Co-development PartnerElectronic Money Entity supervised by the Bank of Spain (CSB 6707). Issues and manages the prepaid VISA card and shared IBAN for 2gether users. Acts as the payment service provider, ensuring regulatory compliance with EU payment services directives. Customer support contact: [email protected].
• KrakencoreTechnology or IntegrationCryptocurrency exchange platform (kraken.com) where user cryptocurrency funds are deposited when operating through 2gether's Accounts (unregulated cryptocurrency market). 2gether provides access to Kraken's exchange environment within its mobile app without users needing a separate Kraken account.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Revolut: European neobank offering fiat accounts, crypto trading in-app, and a debit card for spending crypto/fiat. Directly competes with 2gether's combined banking + crypto card proposition across overlapping Eurozone geographies.
• Bitpanda: Austria-headquartered European crypto broker offering fiat on/off-ramps, in-app trading, and a debit card. Operates under BaFin/FMA-style regulatory licenses in the same Eurozone footprint as 2gether.
• Crypto.com: Global crypto exchange and Visa card issuer serving European users with crypto trading, prepaid Visa cards, and a native token (CRO) that underpins tiered rewards — a direct analog to 2gether's 2GT token rewards and VISA card model.
• Wirex: UK-based crypto payments platform offering a Visa debit card and multi-currency accounts with crypto conversion. Direct competitor in the crypto-spending-card category serving European customers.
• Nexo: Crypto lending and exchange platform with a Mastercard card for spending crypto across Europe. Comparable to 2gether in offering integrated trading and card-based spending, though with a lending-centric revenue model.

Regional players

• Trade Republic: German-headquartered European neobank with crypto trading and card products, serving a similar Eurozone consumer base. While not crypto-primary, it represents a comparable mobile-first Eurozone fintech with card issuance.
• Bunq: Dutch neobank serving Eurozone customers with multi-currency accounts and card products. Comparable consumer base and geography to 2gether, though not crypto-native.
• Bit2Me: Spanish crypto exchange and wallet platform with regulated Spanish registration, offering fiat on/off-ramps and card products. Closest regional competitor within 2gether's home market.

Broad incumbents

• Coinbase: US-listed crypto exchange with broad European operations, debit card products, and proprietary token (USDC). Broader incumbent whose card and trading business overlaps with 2gether's core product set.

Others

• Pecunia Cards (Pecunpay): The Spanish Electronic Money Entity (CSB 6707) that actually issues 2gether's prepaid Visa card and IBAN accounts. An enabling partner and infrastructure peer, comparable in capability to other BaaS/EMD partners powering neobanks and crypto card programs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCvmkpeHt09KWcMpGY-U4nxQ
• Xx.com/2gether_global
• LinkedInlinkedin.com/company/2gether-

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors2 records

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 2gether