Bitcoin Store

What Bitcoin Store does

Bitcoin Store, operated by Croatia-incorporated Digital Assets Ltd, is a MiCA-licensed cryptocurrency exchange and digital wallet provider founded in 2013 and headquartered in Split. The platform enables retail and business users across Europe to buy, sell, convert, and securely store more than 150 cryptocurrencies, with fiat EUR on-ramps via SEPA bank transfer, credit/debit cards, and cash at five physical exchange offices in Split, Zagreb (x2), Rijeka, and Osijek. Its product portfolio includes the Bitcoin Store Wallet (web, iOS, and Android), the Bitstore Card (a Visa debit card in physical and virtual form, integrated with Apple Pay and Google Pay), and the Store Finance (SEF) ERC-20 utility token, which provides fee discounts of up to 50%, Launchpad access for new project investing, and enhanced referral program benefits.

The company operates a hybrid go-to-market: a self-serve product-led online platform available in 15+ European languages combined with physical branches for cash transactions and in-person onboarding. Revenue is generated primarily through the spread between buy and sell exchange rates (varying 1-5% versus global rates, with cash transactions carrying a wider spread to reflect handling costs), supplemented by Visa interchange and ATM fees on Bitstore Card transactions, and ecosystem monetization via the SEF token. Bitcoin Store holds a MiCA license registered with ESMA and the Croatian regulator HANFA, positioning it among the regulated EU retail venues ahead of the July 2026 compliance deadline. Customer segments are individual consumers (primary) and business/legal entities (secondary), with no disclosed enterprise anchor customers. The firm remains privately held with no parent company, no disclosed external venture or private equity backing, and no subsidiaries.

Name

Bitcoin Store

Legal name

Digital Assets Ltd

Website

https://bitstore.net

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Bitcoin Store is a Croatia-based, MiCA-licensed cryptocurrency exchange and digital wallet platform founded in 2013, serving European consumers and businesses with 150+ cryptocurrencies via web, mobile, and five physical exchange offices.

Ownership category

akta.pro rank

Product category

Cryptocurrency Exchange

NAICS

Securities and Commodity Exchanges (523210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (522210)

SIC

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

akta.pro primary industry

On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE)

akta.pro secondary industry

Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC)

Keywords

• Cryptocurrency exchange
• Digital wallet
• Crypto trading platform
• Utility token services
• Crypto debit card

Headquarters

HQ city

Split

HQ country

Croatia

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Exchange Rate Margin: Bitcoin Store charges no explicit commission when buying or selling cryptocurrencies. Revenue is generated through the spread between buying and selling rates. The exchange rate can vary by 1% to 5% compared to global cryptocurrency exchange rates. Exchange rate for cash transactions is less favorable due to cash handling costs.
2. SEF Token Utility: Store Finance (SEF) token provides fee discounts, Launchpad access, and referral bonus enhancements to token holders, driving token utility and demand within the platform ecosystem.
3. Bitstore Card: Visa debit card (physical and virtual) enables direct crypto spending and ATM withdrawals, monetized through interchange fees and ATM withdrawal fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Bitcoin Store operates a MiCA-licensed cryptocurrency exchange platform enabling users to buy, sell, convert, and securely store 150+ cryptocurrencies, with EUR fiat on/off-ramps via SEPA bank transfer, credit/debit cards, and cash at five physical exchange offices in Croatia. The integrated ecosystem combines an online trading platform, a digital wallet (web and mobile), a Visa debit card (Bitstore Card) for spending crypto, and a native ERC-20 utility token (Store Finance / SEF) providing fee discounts and Launchpad access.

Product overview

Bitcoin Store is a cryptocurrency trading platform offering a unified ecosystem of products for European users. The core offering consists of the Bitcoin Store Platform (trading) and Bitcoin Store Wallet (storage), supported by the Bitstore Card product line (physical and virtual Visa debit cards for spending crypto at millions of merchants worldwide). The platform's native Store Finance (SEF) token provides utility benefits including trading fee discounts and Launchpad access. Physical exchange offices across Croatia enable in-person crypto trading for cash, while the mobile app extends access to Android and iOS users. The product architecture centers on an integrated wallet-trading-card ecosystem where all components connect through the user's Bitcoin Store account.

Differentiator

Problem solved

Functional benefit

Brands

• Store Finance (SEF): Native utility token of the Bitcoin Store platform offering reduced transaction fees, launchpad access, and referral bonus program benefits.
• Bitstore Card
• Bitcoin Store Wallet

Quantifiable outcome

• Fee reduction of up to 50% with SEF token

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• VisacoreTechnology or Integration · 1 December 2024Visa partnership enables the Bitstore Card product — a Visa debit card allowing users to spend their crypto balance at any Visa-accepting merchant worldwide and withdraw cash from ATMs.
• MastercardcoreTechnology or Integration · 1 December 2024Mastercard is accepted as a payment method for fiat deposits (credit/debit card purchases) on the Bitcoin Store platform.
• ApplecoreTechnology or Integration · 1 December 2024Apple Pay integration allows Bitstore Card users to add their card to Apple Wallet for contactless payments via iPhone and Apple Watch.
• GooglecoreTechnology or Integration · 1 December 2024Google Pay integration allows Bitstore Card users to add their card for contactless payments with enhanced privacy and security.
• European Banking (SEPA)coreTechnology or Integration · 1 December 2024SEPA (Single Euro Payments Area) bank transfers enable EUR fiat deposits and withdrawals, the primary non-cash payment method on the platform.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Coinbase: US-listed public crypto exchange with a Coinbase Card product. Broad incumbent competing with Bitcoin Store for EU retail users on asset breadth, liquidity depth, and brand trust.
• Kraken: US-founded global crypto exchange with established EU presence. Competes directly on spot trading and storage services, with comparable MiCA-licensed EU operations to Bitcoin Store.
• Binance: World's largest crypto exchange by volume, offering trading, wallets, and a Visa crypto card. A broad incumbent whose EU entities compete with Bitcoin Store for retail volume but operate at vastly larger scale and liquidity.
• Revolut: UK-headquartered neobank offering in-app crypto buy/sell/storage to tens of millions of European users. Competes with Bitcoin Store on convenient fiat-to-crypto access for mainstream consumers, though without dedicated exchange features or physical offices.

Direct peers

• Bitpanda: Austrian-headquartered European crypto broker and exchange offering buy/sell/storage across 200+ digital assets, plus a Visa card product. Direct competitor on the same EU-retail, multi-asset, card-integrated value proposition as Bitcoin Store.
• Bitstamp: EU-headquartered (Luxembourg) crypto exchange acquired by Robinhood, one of the longest-operating European exchanges. Directly comparable on regulated EU exchange, fiat on-ramp, and retail-trader focus.
• Crypto.com: Global crypto exchange with a strong crypto Visa card and a mobile-first app, plus utility token (CRO). Closely comparable to Bitcoin Store on the trading + card + utility token bundle.
• Uphold: US/UK-based multi-asset digital money platform supporting crypto, fiat, and metals trading with card functionality. Direct peer on multi-asset trading, card, and European retail focus.
• Wirex: UK-headquartered crypto payments platform with a Visa debit card enabling crypto spend at merchants. Smaller, more payments-focused peer that overlaps with Bitcoin Store's Bitstore Card value proposition.

Regional players

• Kriptomat: Slovenia-based European crypto exchange serving retail users across Central and Eastern Europe, including Croatia. Direct regional peer in the same CEE/Adriatic market where Bitcoin Store's physical offices are concentrated.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/storebitcoin
• LinkedInlinkedin.com/company/bitstore-net

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Bitcoin Store