What littlebit does

Littlebit is a privately held consumer-finance company based in Prague and operated under the legal entity DNZ BTO s.r.o. It serves adults with permanent residence in the Czech Republic through iOS and Android applications that automatically set aside a configurable 1%-20% of eligible card payments, then use the accumulated balance to purchase a selected asset when the 350 CZK threshold is reached. The app launched in 2022 with Bitcoin savings, and physical-gold savings were added in July 2026. As of that period, new Bitcoin savings were temporarily suspended pending MiCA licensing, while existing Bitcoin remained accessible and gold was the active asset option.

Littlebit's product stack combines read-only PSD2 bank connectivity, disclosed BitDCA automation infrastructure, automatic asset purchasing, BitGo Bitcoin custody, and Bessergold Trading s.r.o. gold purchasing, storage, and buyback services. Bank access is limited to card transactions; transfers, loan repayments, credit-card repayments, and unposted transactions are excluded, and the app cannot initiate payments from a connected account. Customer Bitcoin is held separately from Littlebit's operating funds. Gold can be held through the partner, physically withdrawn from 1 gram, or sold back.

The app and account are free. Littlebit charges transaction fees only on asset purchases; these fees cover payment processing, conversion, and technical operation. Distribution is direct through the Apple App Store and Google Play, with organic word-of-mouth, creator collaborations, educational content, and referrals supporting a product-led acquisition model. The company reported more than 2,500 users and more than 10 BTC saved by June-July 2026, but disclosed no revenue, funding rounds, purchase-fee amounts, active-payer count, retention, or exact headcount.

Name

littlebit

Legal name

DNZ BTO s.r.o.

Website

https://littlebitapp.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Littlebit is a Czech consumer-finance app for adults residing in the country that automatically accumulates 1%-20% of eligible card payments toward Bitcoin or physical-gold savings, using PSD2 data and regulated custody or storage partners.

Ownership category

akta.pro rank

Product category

Personal Finance / Automated Micro-Saving

SIC

Finance Services (6199)

akta.pro primary industry

BNPL Consumer Apps & Wallets (Discovery, Management) (FSAGAIAG)

akta.pro secondary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Automated micro-saving
• Round-up investing
• Bitcoin savings app
• Physical gold savings
• PSD2 personal finance

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fee on Asset Purchase: Littlebit charges a fee only when purchasing selected assets. The fee covers payment processing, conversion to the selected asset, and technical operation of the app. The app download and account creation are free.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

littlebit operates a consumer mobile app that links to users' bank cards via PSD2 open banking, automatically rounds up card payments, and invests the spare change into a user-selected asset — either Bitcoin or physical gold. The product is targeted at individual Czech consumers seeking a passive, automated way to accumulate crypto or precious-metal savings from everyday spending.

Product overview

Littlebit is a single mobile savings application built around a round-up auto-savings engine. The core product consists of two asset-saving modes — Bitcoin Savings and Gold Savings (Spoření do zlata) — both operating on the same mechanic: a configurable percentage (1%–20%) of every card payment is automatically set aside, accumulated until a 350 Kč threshold is reached, and then used to purchase the selected asset. Bitcoin Savings was the original offering (launched 2022); Gold Savings was added in July 2025. As of July 2026, Bitcoin Savings is temporarily suspended pending MiCA licensing, while Gold Savings is the active primary offering. Physical Gold Withdrawal and a Referral Program are supporting features. The company is DNZ BTO s.r.o., incorporated in Prague, Czech Republic.

Differentiator

Problem solved

Functional benefit

Products and services

• littlebit mobile app (Bitcoin round-up saving)

Quantifiable outcome

• Community has saved over 7 BTC as of April 2026, growing to 10+ BTC by June 2026
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Four partnerships are on record, tiered supporting, core and minor.

• BitDCAsupportingTechnology or IntegrationBitDCA is shown as 'Powered by' in the footer, suggesting they provide underlying DCA (Dollar-Cost Averaging) technology infrastructure that enables the automated recurring purchase functionality.
• Bessergold Trading s.r.o.coreTechnology or IntegrationBessergold Trading s.r.o. (Czech part of German group Bessergold) handles gold purchases, secure storage, and buyback. Registered with Puncovní úřad (Hallmark Office, no. 14667). Gold comes from Good Delivery list manufacturers and is stored as granules from Valcambi Suisse and Argor-Heraeus refineries. Handles physical gold withdrawal and resale operations.
• BitGocoreTechnology or IntegrationBitGo is the regulated custody partner storing Bitcoin on behalf of Littlebit users. Bitcoin is held in compliance with European and Czech regulations including MiCA. Client assets are maintained separately from Littlebit's operating funds. BitGo provides multi-level access control, data encryption, private key encryption, and regular security audits.
• TrauminorOthersTrau is credited as the creative agency that designed the Littlebit website and branding.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Acorns: US-based round-up micro-investing platform directing spare change from card purchases into diversified portfolios. Closest direct comp to Littlebit's card-payment-driven auto-savings loop, operating at vastly larger scale.
• BitDCA: European Bitcoin DCA / auto-savings app and infrastructure provider — shown as Littlebit's 'Powered by' partner. Most direct peer in Europe for recurring card-to-Bitcoin savings mechanics.
• Moneybox: UK round-up investing and savings app that turns everyday spending into long-term investments. Comparable value proposition (effortless micro-savings) and similar mobile-first, consumer-fintech positioning.
• Chip: UK AI-driven auto-savings app that automatically sets aside money based on spending patterns. Direct functional peer in the effortless automated savings category.
• Stash: US micro-investing app targeted at first-time investors building wealth through small, recurring contributions. Direct peer in the small-amount, beginner-friendly long-term savings category.
• Relai: European Bitcoin savings and DCA app targeting non-traders who want simple recurring Bitcoin exposure. Closest direct European peer to Littlebit's Bitcoin auto-savings mechanism.

Broad incumbents

• Revolut: European super-app with multi-asset saving and investment features including crypto and commodities. Broad incumbent that overlaps with Littlebit's 'card-driven savings into assets' proposition but as part of a much wider product portfolio.
• Bunq: European digital bank offering savings and investment products across multiple EU geographies. Broad incumbent relevant because it can add similar auto-savings-to-asset features under its own banking license, pressuring niche players.
• Wealthfront: US automated investment/robo-advisor platform offering passive savings and portfolio management. Broader incumbent analog of Littlebit's 'hands-off long-term savings' value proposition.

Regional players

• Twisto: Czech-headquartered BNPL/payments fintech. Regional peer sharing Littlebit's Prague market and Czech consumer-fintech ecosystem, though operating in adjacent (credit) rather than identical (savings) category.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/joinlittlebit
• Instagraminstagram.com/joinlittlebit/?igsh=bG11aXdqZWFiODB0&utm_source=qr

Compliance4 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 littlebit