Bitnovo

What Bitnovo does

Bitnovo is a non-custodial cryptocurrency service provider founded in 2015 and headquartered in Valencia, Spain, operating under CEO and founder Marcos Muñoz. The company is registered as a crypto-asset service provider with Banco de España (D687), France's AMF (PSAN E2023-102), and the Netherlands' DNB (R193399), placing it within the MiCA regulatory framework across three EU jurisdictions. Its core technology stack includes a self-custody mobile wallet (iOS/Android, Lite and Pro versions), a multi-chain trading platform supporting 15+ cryptocurrencies (BTC, ETH, USDC, LTC, XRP, ADA, SOL, DOGE, DOT, POL, LINK, BCH, AVAX, SHIB, UNI), and an integrated on/off-ramp engine accepting card payments (Visa, Mastercard, Google Pay, Apple Pay), SEPA/SEPA Instant bank transfers, and cash.

Bitnovo monetizes through a 0.99% commission on buy/sell/swap transactions plus ancillary network and processing fees, supplemented by merchant payment gateway (Bitnovo Pay), OTC desk, crypto ATM operations, white-label API licensing, and a 40,000+ point physical retail coupon distribution network across Europe. The product suite extends into a gift card marketplace (Carrefour, IKEA, Renfe, Rituals, Moeve), a Dollar Cost Averaging tool, a distributor program, and a token listing service for crypto projects. The company serves a dual customer base: retail consumers seeking simplified fiat-to-crypto access (including via cash), and B2B clients including merchants, crypto projects, and platforms embedding Bitnovo services through API or white-label arrangements. Multi-language support (ES, EN, FR, IT, PT) and a hybrid PLG-plus-channel-partner go-to-market approach underpin its European expansion strategy.

Name

Bitnovo

Legal name

Bitnovo

Website

https://bitnovo.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Bitnovo is a MiCA-regulated, non-custodial cryptocurrency platform founded in 2015 in Spain, offering self-custody wallets, payment gateways, and on/off-ramp services to European retail consumers and B2B clients across 40,000+ physical retail points.

Ownership category

akta.pro rank

Product category

Cryptocurrency Exchange and Wallet Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

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

akta.pro primary industry

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

akta.pro secondary industries

Crypto Payment Gateways & Checkout APIs (FSADAIAA), Digital Gift Cards, Vouchers & Stored-Value (Crypto) (FSADAIAN), POS, QR & In-Person Acceptance Infrastructure (Crypto) (FSADAIAI)

Keywords

• Cryptocurrency exchange services
• Self-custody crypto wallet
• Crypto payment gateway
• Fiat on-ramp off-ramp
• Crypto ATM network

Headquarters

HQ city

Valencia

HQ country

Spain

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees (Trading Commission): Bitnovo charges a 0.99% commission on cryptocurrency purchase and sale transactions. Additional network fees (e.g., 0.10€ network fee, 2.97€ processing fee for card transactions) may apply depending on payment method. The company emphasizes having 'one of the lowest commission rates in the market'.
2. Bitnovo Pay (Merchant Services): Payment gateway services for merchants accepting crypto, likely generating revenue through transaction processing fees on merchant payments.
3. Bitnovo Giftcards/Retail Coupons: Sale of cryptocurrency gift cards and coupons through retail physical points of sale across Europe (40,000+ locations), with revenue from the margin between purchase price and crypto value.
4. Bitnovo ATM Operations: Revenue from crypto ATM transactions where users purchase cryptocurrency coupons with cash at physical machines.
5. Bitnovo API / White-label Licensing: API integration services for platforms and projects seeking to embed Bitnovo's crypto services under their own brand.
6. Referral Program: Users can earn up to 2,000€ per referred person through the referral program, suggesting a customer acquisition cost structure.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels5 records

Core offering

Bitnovo operates a non-custodial cryptocurrency platform that lets individual consumers buy, sell, swap, and store 15+ digital assets using card, SEPA bank transfer, or physical cash coupons, while also providing businesses with payment gateway (Bitnovo Pay), white-label on/off-ramp API (Bitnovo Ramp), OTC trading, ATM deployment, and gift card distribution. Its self-custody wallet and 40,000+ European retail redemption points are central to a multi-channel fiat-to-crypto service operating under MiCA-aligned EU registrations in Spain, France and the Netherlands.

Product overview

Bitnovo is a cryptocurrency services platform offering a comprehensive suite of products for both retail customers and businesses. The platform operates on a platform-plus-modules architecture comprising the core Bitnovo trading platform (for buying, selling, and swapping cryptocurrencies), the Bitnovo Wallet (self-custody mobile app for iOS/Android), and multiple specialized modules: Bitnovo Pay (merchant payment gateway), Bitnovo Ramp (on/off-ramp for crypto projects), Bitnovo OTC (over-the-counter trading), Bitnovo ATM (crypto ATM installation), Bitnovo Giftcards (redeemable coupons available at 40,000+ European retail points), Bitnovo API (white-label integration), Bitnovo DCA Calculator (recurring purchase tool), Bitnovo Marketplace (gift card store), and distributor/token listing programs. The company is regulated under MiCA and holds registrations with Banco de España, AMF France, and DNB Netherlands.

Differentiator

Problem solved

Functional benefit

Brands

• Bitnovo Pay: Cryptocurrency payment gateway allowing businesses to accept crypto payments from millions of users.
• Bitnovo Wallet
• Bitnovo Ramp
• Bitnovo Giftcards
• Bitnovo ATM
• Bitnovo OTC

Products and services

• Bitnovo Wallet Self-custody mobile wallet application for iOS and Android that allows users to store, send, receive, buy, sell, and swap cryptocurrencies while maintaining full control of their private keys. Available in Lite (basic) and Pro versions with multi-chain support.
• Bitnovo Pay Cryptocurrency payment gateway enabling merchants to accept crypto payments from customers, converting to fiat automatically. Allows online and physical businesses to reach millions of cryptocurrency users.
• Bitnovo Ramp White-label on/off-ramp solution that lets crypto projects and platforms integrate cryptocurrency purchase and selling capabilities into their own products via API, generating additional revenue streams.
• Bitnovo Giftcards Physical and digital cryptocurrency gift cards (coupons) redeemable for digital assets, available at over 40,000 retail points across Europe. Enables users to buy crypto with cash and retailers to sell Bitnovo products in-store.
• Bitnovo ATM Cryptocurrency ATM service that lets businesses install Bitnovo ATMs at their locations, enabling customers to buy or sell cryptocurrencies with cash.
• Bitnovo OTC Over-the-counter trading service designed for users and businesses requiring large-volume cryptocurrency transactions outside standard exchange limits.
• Bitnovo API API integration service that allows partners and businesses to embed Bitnovo's cryptocurrency buy, sell and wallet functionality under their own brand, enabling white-label crypto solutions.
• Bitnovo Retail Trading Platform Web-based cryptocurrency trading platform offering buy, sell and swap functionality for retail customers, supporting multiple payment methods including Visa/Mastercard card, SEPA/SEPA Instant bank transfer and cash coupons. Supports 15+ cryptocurrencies.
• Bitnovo Distributor Program Partner program that allows distributors to join Bitnovo's network to resell cryptocurrency-related products such as gift cards and coupon access to end customers.
• Bitnovo Token Listing Service Service enabling blockchain projects to list their tokens on the Bitnovo platform, providing visibility and trading access to Bitnovo's user base.

Quantifiable outcome

• 0.99% commission rate — among the lowest in the market
• +3 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bitnovo
• LinkedInlinkedin.com/company/bitnovo
• Instagraminstagram.com/bitnovo
• TikToktiktok.com/@bitnovo
• Facebookfacebook.com/BitcoinBitnovo

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Bitnovo