BITSTACK

BITSTACK represents Europe's pioneering approach to automated Bitcoin savings, operating as France's leading Bitcoin savings application with over 200,000 users who have collectively saved more than €200 million in Bitcoin since its 2021 launch. Founded by experienced fintech entrepreneurs Alexandre Roubaud and Kabir Sethi, the Meyreuil-based company has achieved exceptional regulatory recognition by securing one of the first MiCA licenses from the French Financial Markets Authority, positioning it among the elite group of fully compliant European cryptocurrency service providers.

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Note on fees: BITSTACK operates a transparent sliding scale fee structure based on 30-day trading volume, starting at 1.49% for volumes under €250 and decreasing to 0.49% for volumes exceeding €500,000. The platform covers Bitcoin transfer fees to external wallets, while card purchases incur a minimum €0.29 fee.

The company's strategic differentiation extends beyond simple Bitcoin purchasing through its innovative automatic savings methodology, transforming everyday purchases into Bitcoin investments via intelligent round-up technology that converts spare change from transactions into systematic Bitcoin accumulation. With recent €5 million funding led by Stillmark and comprehensive MiCA compliance, BITSTACK has established sustainable competitive advantages while preparing ambitious expansion plans that include European account services and Visa debit card integration scheduled for 2025.

Company History & Development

BITSTACK's founding story reflects the convergence of fintech expertise and Bitcoin advocacy, emerging when co-founders Alexandre Roubaud and Kabir Sethi recognized that traditional European savings mechanisms were failing to protect purchasing power against persistent inflation while Bitcoin remained inaccessible to mainstream consumers despite its superior long-term performance characteristics.

The company's early development focused on solving the fundamental friction preventing European consumers from accessing Bitcoin: the complexity and intimidation factor associated with cryptocurrency exchanges, wallet management, and market timing decisions. Rather than building another trading platform, the founders developed an innovative approach that eliminated these barriers through automated, effortless accumulation mechanisms integrated with users' existing banking relationships.

The platform launched in 2022 with its signature round-up feature, automatically converting spare change from everyday purchases into Bitcoin investments. This approach proved immediately popular with French consumers seeking Bitcoin exposure without the complexity of active trading or investment management. Within months, thousands of users had adopted the platform, validating the market demand for simplified Bitcoin access.

A significant milestone occurred in 2022 with the completion of a €1 million funding round led by Founders Future, providing capital to expand operations and pursue comprehensive regulatory compliance. The round attracted notable investors including Plug and Play Tech Center, Sharpstone Capital, and prominent industry figures like Owen Simonin and Nicolas Bacca from Ledger, demonstrating institutional confidence in BITSTACK's approach.

The regulatory achievement that fundamentally transformed BITSTACK's European prospects came in June 2025 with the successful acquisition of MiCA authorization from the French Financial Markets Authority. This milestone positioned BITSTACK among the first French companies to receive comprehensive cryptocurrency asset service provider licensing under the EU's harmonized regulatory framework, enabling expansion across all 29 European Economic Area member states through passporting rights.

The most recent major funding milestone occurred in December 2024 with a €5 million Series A round led by Stillmark, alongside participation from Serena, Plug and Play, Y Combinator, Founders Future, and STATION F. This funding coincided with BITSTACK reaching over 200,000 users and €200 million in total Bitcoin savings, establishing the company as France's dominant Bitcoin savings platform while enabling ambitious expansion plans including European banking services and Visa card integration.

Business Model & Core Services

BITSTACK operates a sophisticated consumer-focused business model centered on automated Bitcoin accumulation through innovative savings mechanisms that eliminate traditional barriers to cryptocurrency investment. The platform generates revenue through transparent transaction-based fees while providing users with comprehensive Bitcoin savings solutions that require no specialized knowledge or active management.

The core service offering revolves around intelligent round-up technology that automatically converts spare change from everyday purchases into Bitcoin investments. When users make purchases of €2.60, BITSTACK rounds the transaction to €3.00 and invests the €0.40 difference in Bitcoin, creating effortless accumulation that compounds over time without requiring conscious savings decisions or market timing considerations.

Beyond round-ups, BITSTACK provides comprehensive Bitcoin investment options including recurring purchases through dollar-cost averaging strategies, instant Bitcoin purchases starting from €1, and complete portfolio management through integrated wallet services. Users can schedule automatic purchases on daily, weekly, or monthly intervals, enabling systematic accumulation strategies that smooth price volatility impacts while building long-term Bitcoin exposure.

The revenue model operates through volume-based transaction fees that decrease as user activity increases, ranging from 1.49% for volumes under €250 to 0.49% for volumes exceeding €500,000. This structure aligns BITSTACK's interests with user success while maintaining competitive pricing that improves as customers increase their Bitcoin savings activities. The platform covers Bitcoin transfer fees to external wallets, demonstrating commitment to user control and self-custody options.

BITSTACK's expansion strategy includes comprehensive banking services launching in 2025, featuring European bank accounts with IBAN numbers, salary deposit capabilities, and Visa debit cards enabling Bitcoin cashback on purchases. This evolution positions BITSTACK as a complete financial services provider rather than solely a Bitcoin application, addressing broader European demand for cryptocurrency-integrated banking solutions.

Regulatory Compliance & Trust

BITSTACK has positioned regulatory excellence as a fundamental competitive advantage, achieving comprehensive MiCA authorization from the French Financial Markets Authority in June 2025 that establishes the company among the first wave of fully compliant European Bitcoin service providers. This authorization encompasses exchange services, custody services, and transfer services under the EU's harmonized regulatory framework.

The MiCA compliance process required extensive demonstration of operational resilience, consumer protection mechanisms, governance structures, and risk management frameworks that exceed those typically applied to traditional fintech companies. BITSTACK's authorization provides users with legal protections comparable to conventional financial institutions while enabling service expansion across all 29 European Economic Area member states through regulatory passporting rights.

Beyond MiCA requirements, BITSTACK maintains registration as a Digital Asset Service Provider with the French Financial Markets Authority under number E2021-027, demonstrating ongoing compliance with national cryptocurrency regulations and anti-money laundering directives. This dual regulatory structure provides comprehensive oversight while ensuring operational flexibility necessary for continued innovation and European expansion.

The company's commitment to data protection and privacy compliance extends through partnerships with regulated service providers including Tink, a Visa subsidiary that handles banking data under European PSD2 directive protections. BITSTACK's servers operate within European Union territory in Belgium, ensuring compliance with GDPR requirements while maintaining data sovereignty for European users.

BITSTACK's proactive approach to regulatory communication includes transparent disclosure of regulatory status, comprehensive privacy policies developed by specialized legal counsel, and regular updates regarding compliance developments. This transparent approach builds user confidence while demonstrating commitment to sustainable operations under evolving European cryptocurrency regulation frameworks.

Economics & Value Proposition

BITSTACK delivers compelling economic benefits through its automated savings approach that eliminates traditional barriers to Bitcoin investment while providing transparent, competitive pricing that improves with increased usage. The platform's core value proposition centers on making Bitcoin accumulation effortless and accessible regardless of market knowledge or timing concerns.

The fee structure operates on transparent volume-based tiers that reward user engagement, starting at 1.49% for monthly volumes under €250 and decreasing systematically to 0.49% for volumes exceeding €500,000. This approach ensures that casual users pay reasonable fees for convenience while active savers benefit from institutional-level pricing as their Bitcoin accumulation increases over time.

For European users seeking Bitcoin exposure, BITSTACK eliminates significant operational complexity associated with traditional cryptocurrency investment approaches. The platform handles market timing, transaction batching, custody arrangements, and regulatory compliance automatically, enabling users to build Bitcoin positions without requiring specialized knowledge or ongoing attention to market conditions.

The automatic round-up feature provides unique value by converting otherwise unnoticed spare change into systematic Bitcoin accumulation. Users average approximately €12.56 weekly in round-ups, which compounds into substantial Bitcoin holdings over time while requiring no conscious savings effort or lifestyle changes. This mechanism enables Bitcoin investment for users who might otherwise struggle with traditional savings discipline.

Geographic advantages include comprehensive European regulatory compliance, SEPA integration for seamless euro deposits, and localized customer support operating within European time zones. The upcoming banking services expansion will provide complete financial ecosystem integration, enabling users to receive salaries, manage expenses, and accumulate Bitcoin through unified infrastructure rather than managing multiple financial relationships.

Technology & User Experience

BITSTACK has developed its technology infrastructure around principles of simplicity and automation, prioritizing seamless user experiences that hide blockchain complexity while maintaining institutional-grade security and regulatory compliance standards. The platform's design philosophy emphasizes eliminating friction points that traditionally prevent mainstream Bitcoin adoption.

The mobile applications for iOS and Android provide intuitive interfaces optimized for effortless Bitcoin accumulation rather than active trading functionality. Users can monitor their Bitcoin savings growth, adjust automatic settings, execute instant purchases, and manage transfers through streamlined workflows that require no cryptocurrency expertise. The applications maintain feature parity across platforms while providing responsive design optimized for European user preferences.

Integration with European banking systems operates through partnerships with established financial infrastructure providers, enabling secure bank account connections that support automatic round-ups and recurring purchases. The platform utilizes Tink's regulated open banking infrastructure to ensure secure data handling while maintaining seamless user experiences that feel native to existing banking relationships.

Bitcoin custody architecture employs institutional-grade security measures with 98% of user funds maintained in offline cold storage utilizing multi-signature security schemes. The remaining 2% in hot storage supports instant transactions while comprehensive insurance coverage protects against potential losses from theft or technical failures. Users maintain complete ownership of their Bitcoin with options to transfer funds to external wallets without fees.

Customer support operates through multiple channels including in-app chat, email assistance, and comprehensive help documentation, with responses available in French and English. The support team demonstrates expertise in both cryptocurrency concepts and European regulatory requirements, enabling effective problem resolution across BITSTACK's diverse user base spanning different experience levels and technical sophistication.

Security & Risk Management

BITSTACK implements comprehensive security measures designed to protect user funds and data through institutional-grade protocols that exceed standard fintech security requirements while maintaining the accessibility and simplicity that defines the platform's user experience approach.

The security architecture centers on professional Bitcoin custody arrangements utilizing multi-signature wallet implementations and hardware security modules that maintain 98% of user funds in geographically distributed cold storage. The platform employs comprehensive approval policies for all transactions, eliminating single points of failure while ensuring that user funds transfer only upon explicit authorization through verified processes.

Insurance coverage provides additional protection layers, covering most potential damages, theft, and loss of private keys through specialized cryptocurrency insurance arrangements designed specifically for custody service providers. While specific coverage details remain confidential for security purposes, the insurance framework addresses operational risks beyond those typically covered by traditional financial services insurance.

Partnership security extends through relationships with regulated European service providers including Tink for banking data management and established cryptocurrency infrastructure providers for technical operations. All partners undergo comprehensive due diligence processes and maintain their own regulatory authorizations, ensuring systematic risk management across the entire service delivery chain.

Business continuity planning addresses potential operational disruptions through redundant system architectures, comprehensive backup procedures, and established protocols for maintaining user access during adverse conditions. The European regulatory framework provides users with established complaint resolution mechanisms and consumer protection standards that supplement BITSTACK's internal risk management procedures.

Data protection security operates under European GDPR frameworks with servers located within EU territory and comprehensive privacy policies developed by specialized legal counsel. Users maintain complete control over their personal data with straightforward deletion procedures and transparent disclosure of data handling practices that prioritize user privacy and regulatory compliance.

Market Position & Suitability

BITSTACK occupies a unique position in the European cryptocurrency landscape by combining comprehensive regulatory compliance with innovative automatic savings technology, appealing to mainstream European consumers seeking Bitcoin exposure without the complexity typically associated with cryptocurrency investment approaches.

Conservative European Investors represent BITSTACK's core target market, benefiting from the platform's regulatory certainty, simplified user experience, and elimination of complex investment decisions. The automatic round-up approach appeals particularly to users who prefer transparent, predictable processes over potentially better but uncertain returns available through active trading strategies, while MiCA authorization provides legal protections expected by risk-averse European investors.

Bitcoin Savings Enthusiasts seeking systematic accumulation strategies find significant value in BITSTACK's dollar-cost averaging capabilities and effortless automation features. The platform enables regular Bitcoin purchases without requiring market timing decisions or ongoing attention, while comprehensive custody services eliminate technical complexity associated with self-managed Bitcoin storage and security.

European Users Prioritizing Regulatory Compliance benefit from BITSTACK's pioneering MiCA authorization and comprehensive European regulatory alignment. The platform's focus on legal certainty appeals to users concerned about platform availability, tax compliance, and regulatory standing of their Bitcoin investments within European jurisdictions, particularly as regulatory enforcement increases across member states.

Mobile-First Savers seeking accessible Bitcoin exposure through familiar application interfaces benefit from BITSTACK's intuitive mobile design and integrated banking relationships. The platform enables Bitcoin accumulation through existing spending patterns rather than requiring separate investment management processes, while upcoming Visa card integration will create comprehensive financial ecosystem participation.

The platform's limitations include Bitcoin-only focus that may not satisfy users seeking broader cryptocurrency portfolio diversification, higher fees compared to advanced trading platforms optimized for larger transactions, and savings-focused approach that may not appeal to users requiring advanced trading features or complex investment strategies. Users seeking immediate access to accumulated Bitcoin may find the custody-focused approach less flexible than self-managed wallet solutions.

Conclusion

BITSTACK represents a significant evolution in European Bitcoin accessibility, successfully bridging mainstream consumer banking with innovative cryptocurrency savings technology through comprehensive regulatory compliance and user-focused design principles. The company's achievement of early MiCA authorization demonstrates exceptional regulatory preparation while positioning it advantageously for long-term European market leadership as cryptocurrency regulation consolidates around compliant providers.

The platform's key strengths include pioneering regulatory compliance that provides legal certainty for European users, innovative automatic savings technology that eliminates complexity barriers preventing mainstream Bitcoin adoption, transparent fee structures with volume-based reductions that reward user engagement, and comprehensive security measures including institutional-grade custody and insurance protection. The company's focus on Bitcoin savings rather than speculative trading creates sustainable competitive advantages while building genuine long-term value for European consumers.

Areas for continued development include expanding cryptocurrency selection beyond Bitcoin to serve users seeking broader digital asset exposure, developing advanced features that accommodate more sophisticated users while maintaining simplicity for newcomers, and building additional European partnerships to leverage MiCA passporting rights across member states. The company's conservative approach may occasionally limit feature development speed compared to less regulated competitors, but provides sustainable competitive advantages in institutional and consumer markets prioritizing security and compliance.

For European users seeking regulated, accessible Bitcoin investment opportunities with minimal complexity and maximum convenience, BITSTACK offers compelling advantages over both traditional financial services lacking cryptocurrency exposure and unregulated platforms with uncertain legal standing. The combination of regulatory certainty, innovative technology, and comprehensive European market focus makes it particularly suitable for conservative investors prioritizing accessibility and compliance over advanced trading functionality.

The company's strategic positioning for continued success appears robust, with comprehensive MiCA compliance providing defensive advantages while innovative automatic savings technology enables expansion opportunities as European Bitcoin adoption continues growing among mainstream consumer markets. As the European cryptocurrency sector matures under harmonized regulation, BITSTACK's early compliance leadership and consumer focus position it advantageously for sustained growth and potential market leadership in the European Bitcoin savings segment.

Last updated: September 4, 2025