Bielik.io

What Bielik.io does

Bielik.io, operated by Bielik Vault sp. z o.o., is a Polish-licensed cryptocurrency investment platform serving retail investors in Poland. The platform enables users to register, complete KYC, deposit funds in PLN or EUR, and buy, sell, and exchange digital assets including Bitcoin, Ethereum, Solana, XRP, and 100+ other cryptocurrencies. It distributes via a Flutter-based mobile application (iOS and Android) and a cloud-hosted web platform, with native support for Polish payment rails including standard bank transfers, BLIK, Apple Pay, Google Pay, and VISA/Mastercard. The company is headquartered in Warsaw, Poland, and is registered as a Small Payment Institution (MIP224/2023) with the Polish Financial Supervision Authority (KNF), with historical VASP registration (RDWW-831) under the Ministry of Finance.

The business model is transactional. Bielik charges a 1% fee on every cryptocurrency purchase, sale, or exchange, a 0.9% fee (minimum 1.3 PLN/EUR) on BLIK/Apple Pay/Google Pay deposits, and a 2.5 PLN/EUR flat fee on card deposits and bank-transfer withdrawals. Identity verification is automated through Sumsub, and custody is provided under MiCA-compliant arrangements via a partnership with BitGo Europe GmbH, a BaFin-supervised Crypto-Asset Service Provider, effective July 1, 2026. This partnership replaces the expiring Polish VASP framework and is central to the platform's continued regulatory viability.

Bielik's go-to-market is product-led growth aimed at the Polish domestic market, supported by content marketing through an educational blog covering cryptocurrency basics, Polish tax obligations (PIT-38), and regulatory developments. The platform targets beginner to intermediate crypto users who want a locally regulated, Polish-language alternative to international exchanges. It is privately held with no disclosed external funding, founder/management-controlled ownership, and a registered share capital of 705,000 PLN.

Name

Bielik.io

Legal name

Bielik Vault sp. z o.o.

Website

https://bielik.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Bielik.io is a Polish-regulated cryptocurrency investment platform that enables retail investors in Poland to buy, sell, and exchange 100+ digital assets using PLN and EUR, with MiCA-compliant custody via BitGo Europe and local payment rails including BLIK, Apple Pay, and Google Pay.

Ownership category

akta.pro rank

Product category

Retail Cryptocurrency Exchange

NAICS

Securities and Commodity Exchanges (52321)

SIC

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

akta.pro primary industry

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

Keywords

• Cryptocurrency trading platform
• Digital asset investing
• MiCA-compliant exchange
• Polish fintech platform
• Retail crypto brokerage

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Cryptocurrency Transaction Fees: 1% fee on every purchase, sale, or exchange of cryptocurrencies. This is the primary revenue stream from trading activity on the platform.
2. Payment Processing Fees: 0.9% fee on deposits made via BLIK, Apple Pay, or Google Pay (minimum 1.3 PLN/EUR). 2.5 PLN/EUR fee on card deposits (VISA/Mastercard) and withdrawals via standard bank transfer.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Bielik.io is a Polish-regulated cryptocurrency investment platform that enables individual users to buy, sell, and exchange digital assets such as Bitcoin, Ethereum, Solana, and XRP, with PLN and EUR deposits/withdrawals via bank transfer, BLIK, Apple Pay, Google Pay, and card. The platform operates through a web application and native iOS/Android apps, with KYC via Sumsub and MiCA-compliant custody provided through partnership with BitGo Europe GmbH.

Product overview

Bielik.io is a Polish financial platform providing a unified cryptocurrency investment service. The core product is the Bielik Platform (accessible via web application and mobile apps for iOS and Android), which enables users to invest in digital assets. The platform supports deposits and withdrawals in PLN and EUR, offers a curated selection of cryptocurrencies (Bitcoin, Ethereum, Solana, XRP, USD Coin, and others including DeFi tokens, Layer 2 assets, and meme coins), and provides MiCA-compliant services through partnership with BitGo Europe. The offering is a single unified platform rather than a modular product suite.

Differentiator

Problem solved

Functional benefit

Products and services

• Bielik Platform (Web and Mobile App) A Polish-regulated cryptocurrency investment platform accessible via web (app.bielik.io), iOS (App Store id 6469593517), and Android (Google Play package com.flutter.bielik). Users register, complete KYC via Sumsub, deposit PLN or EUR via bank transfer, BLIK, Apple Pay, Google Pay, or card, and buy, sell, or exchange 20+ digital assets including Bitcoin, Ethereum, Solana, XRP, USDC, Cardano, Polkadot, Avalanche, Dogecoin, Litecoin, Tron, Stellar, Chainlink, Shiba Inu, Monero, Uniswap, Maker, Arbitrum, Optimism, and THORChain. Custody is delivered through BitGo Europe GmbH under MiCA compliance.

Quantifiable outcome

• Users can register and start investing in under a minute according to platform messaging

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• BitGo Europe GmbHcoreTechnology or Integration · 1 July 2026Bielik partnered with BitGo Europe GmbH starting July 1, 2026 to ensure MiCA compliance and continuous service for users. BitGo is a licensed CASP (Crypto-Asset Service Provider) under BaFin (German Federal Financial Supervisory Authority) supervision. BitGo holds the CASP license (institution ID 157322 in BaFin registry) and provides custodial services for user crypto assets. This partnership replaces Bielik's expiring VASP registration (RDWW-831) effective June 30, 2026. BitGo is a leading institutional-grade cryptocurrency infrastructure provider founded in 2013, serving clients in over 100 countries and listed on NYSE (BTGO).
• SumsubcoreTechnology or IntegrationSumsub provides identity verification (KYC) services for Bielik platform. Enables automated identity verification through document scanning and selfie capture, with verification completed in seconds to minutes. All submitted data is hashed and protected according to GDPR requirements.
• Radosław ŻukminorOthersTax advisor from Kancelaria Żuk Pośmiech contributing educational content about cryptocurrency tax obligations in Poland (PIT-38 forms, family foundation taxation on crypto).

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Binance: Global crypto exchange with the deepest liquidity and lowest spot fees (typically 0.1%) that serves Polish retail users, including via PLN on-ramps and Polish-language content. A broad incumbent competing with Bielik across the same asset catalogue.
• Kraken: Long-standing, regulated global crypto exchange with EU presence. Targets the same compliance-oriented retail crypto buyer that Bielik courts with its MiCA positioning.
• Coinbase: US-listed, US-regulated crypto exchange offering spot trading, custody, and a regulated broker experience. While not Poland-specialized, it competes for the same MiCA-conscious Polish retail users who value regulatory clarity.
• eToro: Multi-asset retail trading platform with a strong crypto offering, social-trading features, and existing Polish marketing presence. Competes for the same beginner-to-intermediate Polish retail crypto-investor persona.

Regional players

• Bitstamp: EU-licensed (Luxembourg) crypto exchange with a long regulatory track record and EUR pairs. Comparable to Bielik on the MiCA-aligned, regulated European broker dimension though with broader geographic reach.
• Coinmate: Czech-headquartered crypto exchange focused on Central European retail, with EUR/CZK rails. A regional peer with a comparable regulatory, retail-on-ramp profile for adjacent CEE markets Bielik could target.

Emerging players

• Revolut: Multi-currency neobank with crypto trading built into its consumer app and a large existing Polish user base. Competes by bundling crypto inside a broader everyday-banking product rather than specializing.

Direct peers

• Zonda (formerly BitBay): Poland's largest locally-rooted cryptocurrency exchange, offering PLN trading pairs and Polish-language service. Directly competes with Bielik for the same Polish retail crypto-investor segment and similar value proposition of local rails and local support.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Bielik_io
• LinkedInlinkedin.com/company/bielik
• Instagraminstagram.com/bielik.io
• TikToktiktok.com/@bielik.io

Compliance6 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 Bielik.io