European neobank and crypto exchange with named personal IBANs and Mastercard debit cards
Brighty App is a European hybrid digital banking and crypto service that unifies personal multicurrency accounts with cryptocurrency exchange features, custodial wallets, and debit card payments. The platform lets users hold fiat alongside digital assets, transacting across traditional payment rails like SEPA and Faster Payments while connecting directly to crypto networks.
The company was founded by Roger Alois Buerli, former banker at Credit Suisse, and Nikolay Denisenko, formerly Lead Backend Engineer at Revolut. Headquartered in Baar, Switzerland, the business operates through Swiss entity BTY Digital AG and Polish entity Wireflexion sp. z o.o. In December 2024, Brighty raised $10M in venture funding led by Futurecraft Ventures to expand operations across Europe and the United Kingdom.
Accounts provide personal named IBANs. They support EUR, GBP, and USD alongside custodial digital asset wallets. Users can hold, swap, and transfer cryptocurrencies such as BTC, ETH, USDC, EURC, ADA, and XTZ across chains including Ethereum, Arbitrum, Solana, TRON, and BNB Chain. Institutional custody runs through Fireblocks with offline key segregation and insurance. In addition, Earning Vaults deploy stablecoins into decentralized protocols such as Aave to generate flexible yields without lockups. Users spend balances via Mastercard debit cards compatible with Apple Pay and Google Pay.
Brighty App is available across Switzerland and more than 27 countries in the European Economic Area. Account setup requires full identity verification. Incoming SEPA and Faster Payments transfers are free of charge, and earning vaults carry no deposit or withdrawal fees.
By October 2026, Brighty reported over 350,000 registered accounts and €1.5B in total turnover. Swiss operations are affiliated with VQF, a self-regulatory organisation recognized by FINMA under the Swiss Anti-Money Laundering Act (SRO member no. 100917). In Poland, Wireflexion sp. z o.o. is entered in the Virtual Currency Activities Register under entry RDWW-1690. The company implements systematic Proof of Reserves audits using a Merkle-tree architecture. Through this setup, users can verify that their fiat and crypto balances are fully backed.
Custody is centralized. Because Brighty App manages digital assets directly, users do not hold their private keys. Depositors using Earning Vaults also take on underlying smart-contract risk from third-party lending protocols. The platform is restricted to European residents, excluding customers in the United States and other unsupported jurisdictions.
Brighty App couples European multi-currency IBAN accounts and Mastercard crypto spending with flexible DeFi earning vaults, but its asset list remains narrow and derivatives are unavailable.
Brighty App operates as a hybrid financial platform connecting European banking rails with digital asset custody. Based in Baar, Switzerland, the company was co-founded by CEO Roger Alois Buerli, formerly of Credit Suisse, and CTO Nikolay Denisenko, previously lead backend engineer at Revolut. Corporate operations run via BTY Digital AG, an SRO member of the VQF under Swiss anti-money laundering regulations, alongside Wireflexion sp. z o.o., an authorized virtual asset service provider registered in Poland. In December 2024, the platform raised $10M in venture funding led by Futurecraft Ventures to fuel expansion across Europe and the UK.
As an exchange product, Brighty App is an on-ramp and instant-swap hub rather than an active trading exchange. It lacks order-book spot trading, futures, margin trading, and leverage. The asset lineup focuses strictly on foundational cryptocurrencies and stablecoins, including Bitcoin, Ethereum, Cardano, Tezos, USDC, and EURC, routed across networks such as Arbitrum, Solana, TRON, and BNB Chain. Swaps use institutional spreads without separate network bridging charges, while fiat balances operate through dedicated personal IBANs supporting SEPA Instant, Faster Payments, FedWire, and SWIFT in EUR, GBP, and USD.
Security measures rely on segregated client accounts, institutional custody through Fireblocks, and an underlying $250M insurance framework. Brighty implements systematic Proof of Reserves audits using Merkle trees. Individual users can verify account balances independently against verified assets. Unlike closed platforms, its flexible Earning Vaults route USDC directly through Aave for variable yields reaching up to 10% APY without lock-ups or deposit and withdrawal fees.
The app suits European residents who focus on direct day-to-day conversion between fiat salaries and core stablecoins for spending or yield. High-frequency traders and derivatives investors will need a dedicated exchange with deep order-book liquidity and broader token selections.
| Markets | Spot · unverified |
|---|---|
| Fiat deposit methods | Bank transfer, SEPA, Faster Payments · unverified |
| KYC required ⓘ | Yes · unverified |
| Accepts US customers | No · unverified |
| Proof of reserves | Yes · unverified |
| Staking / earn | Yes · unverified |
| Mobile app | Yes · unverified |
| Licenses & registrations | VQF SRO (Switzerland), RDWW-1690 (Poland) · unverified |
| Security features | Fireblocks custody, Proof of reserves, Multi-factor authentication, Segregated funds · unverified |
| Futures & perpetuals | No · unverified |
| Copy trading | No · unverified |
| P2P market | No · unverified |
| Earn / savings products | Yes · unverified |
| User protection fund | Yes · unverified |
Not disclosed by the provider: Maker fee, Taker fee, Coins listed, Max leverage (x), Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Provides personal EUR, GBP, and USD accounts with free inbound SEPA and Faster Payments transfers.
Virtual and physical debit cards spend directly from fiat or crypto balances with Apple Pay and Google Pay support.
Yield vaults route stablecoins through Aave with daily payouts, flexible withdrawals, and no lockup periods.
Swaps assets across Ethereum, Arbitrum, Solana, TRON, Tezos, and BNB Chain without bridging fees.
Users can independently verify that platform fiat and digital asset reserves fully match customer balances.
Digital asset custody is secured via Fireblocks with wallet segregation and offline key storage.
Personal multi-currency bank accounts in EUR, GBP, and USD that support SEPA Instant, Faster Payments, FedWire, and SWIFT transfers.
Virtual and physical payment cards that spend directly from fiat or crypto balances with Apple Pay and Google Pay integration.
Flexible savings accounts routing stablecoins through DeFi protocols like Aave to deliver daily interest payouts without lock-up periods.
A Merkle-tree validation portal where clients can independently verify that their fiat and crypto balances are backed by company assets.
User feedback is mostly positive, praising the card acceptance, reliable transfers, and stablecoin yield features. There are no recurring complaints about the platform.
“Switched from traditional bank for international transfers — 6 months update Background: I move money between EUR and USD regularly for freelance work. Traditional wire transfers were eating 3-5% between fees and exchange rates.Tried a few apps, landed on Brighty about 6 months ago.”
“i use brighty.app. just checked, and it does support deposit from Arbitrum, so might be a good fit for you. it also works well with Apple Pay. never had issues with their card's acceptance.”
Based on 26 Reddit posts and comments from the last 12 months, checked Oct 21, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
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Brighty App was founded by Roger Alois Buerli, a former banker at Credit Suisse, and Nikolay Denisenko, formerly a lead backend engineer at Revolut. The parent company BTY Digital AG is based in Baar, Switzerland.
Brighty App is available to residents across Switzerland and more than 27 countries in the European Economic Area. Full identity verification through KYC is mandatory before using accounts or cards.
Brighty App supports major cryptocurrencies and stablecoins including Bitcoin, Ethereum, Tezos, Cardano, USDC, and EURC. Supported networks include Ethereum, Arbitrum, Solana, BNB Chain, and TRON.
Digital assets are held in segregated custody powered by Fireblocks with $250M institutional insurance coverage. Users can independently check balances via Merkle-tree Proof of Reserves audits.
Inbound transfers via SEPA and Faster Payments carry no fees, and deposit or withdrawal transactions in Earning Vaults are free. Swaps execute at institutional spreads without separate bridge charges.
No, Brighty App does not offer futures, perpetual contracts, margin, or leverage trading. It focuses strictly on spot swaps, multi-currency IBAN payments, and flexible DeFi savings vaults.
Recent public posts from @brightyapp, shown as published. Not reviewed or endorsed by CryptoReview.
Recent posts from the official Telegram channel @brightyapp, shown as published. Not reviewed or endorsed by CryptoReview.
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