BFinance
A card programme that lives entirely inside a Telegram bot — crude, fee-heavy, and reportedly moving ~$20M a month anyway.
Telegram-bot cards; ~$20M/mo volume; $10 issue + 2% top-up fees.
- Who holds it
- A licensed crypto-asset custodian holds the assets on your behalf — Czech VASP registration; Marqeta-issued cards.
- The ledger
- The custodian’s books, reconciled against on-chain balances.
- If it fails
- Recovery hinges on the custodian’s solvency and how cleanly client assets are segregated.
Derived from BFinance’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | hybrid |
| HQ | Prague, CZ |
| Founded | 2023 |
| Custody | Custodial |
| Regulation type | VASP / MSB / crypto licenses |
| License detail | Czech VASP registration; Marqeta-issued cards |
| Card | Visa/MC · Virtual + physical |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | North America, Europe, Latin America, Africa, MENA, Asia, Oceania |
| Countries | Czech Republic, European Union, Global |
| Founders | Knyaz Yussupov |
Verified links: official site ↗ · terms ↗ · privacy ↗
Common questions about BFinance
What is BFinance?
BFinance is a fiat-and-crypto neobank, headquartered in Prague, CZ and founded in 2023. Your money is held custodially, so BFinance or its partner bank holds the balance and you hold a claim on it. It holds VASP / MSB / crypto licenses (Czech VASP registration; Marqeta-issued cards).
Does BFinance have a card, and where can you use it?
It issues a Visa and Mastercard virtual and physical card. It is available in 3 countries, across all 7 world regions tracked here.
Does BFinance require KYC?
Yes. BFinance requires identity verification (KYC) to open an account, as a vasp / msb / crypto licenses.
Peers
Revolut · Cash App · Mercado Pago · Mogo · Venmo · Robinhood
BFinance appears in
Neobanks operating under crypto and money-transmitter licenses (25) · Neobanks available in North America (126) · Neobanks available in Europe (144) · Neobanks available in Asia (132) · Neobanks available in Oceania (72) · Neobanks available in Latin America (113) · Neobanks available in Africa (92) · Neobanks available in MENA (85) · Neobanks that issue a Visa card (182) · Neobanks that issue a Mastercard (150)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.