Brighty
Two ex-Revolut engineers building the Swiss take on the hybrid app: everyday EUR banking with stablecoin vaults up to 10% — custody on Fireblocks, distribution across EU/EEA and Switzerland.
Swiss hybrid by ex-Revolut engineers: EUR IBANs + crypto in one app, USDC/USDT/EURC vaults; EU/EEA + CH, 350K+ registrations.
- Who holds it
- A licensed crypto-asset custodian holds the assets on your behalf — Razz Finanzz AG (CH); crypto via Polish VASP registration (Wireflexion); fiat, IBANs and cards via BaaS partners.
- 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 Brighty’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 | Baar (Zug), CH |
| Founded | 2021 |
| Custody | Custodial |
| Regulation type | VASP / MSB / crypto licenses |
| License detail | Razz Finanzz AG (CH); crypto via Polish VASP registration (Wireflexion); fiat, IBANs and cards via BaaS partners |
| Card | Visa/MC · Virtual + physical |
| Cashback | Tiers |
| Yield | Up to 10% stablecoin vaults |
| Stablecoins | Yes |
| KYC | Yes |
| Active regions | Europe |
| Countries | Switzerland, EEA |
| Founders | Roger Buerli, Nick Denisenko (ex-Revolut) |
| Funding | ~$16.3M raised incl. $10M from Futurecraft Ventures (Dec 2024) |
Verified links: official site ↗ · terms ↗ · privacy ↗ · @brightyapp ↗
Common questions about Brighty
What is Brighty?
Brighty is a fiat-and-crypto neobank, headquartered in Baar (Zug), CH and founded in 2021. Your money is held custodially, so Brighty or its partner bank holds the balance and you hold a claim on it. It holds VASP / MSB / crypto licenses (Razz Finanzz AG (CH); crypto via Polish VASP registration (Wireflexion); fiat, IBANs and cards via BaaS partners).
Does Brighty have a card, and where can you use it?
It issues a Visa and Mastercard virtual and physical card. It is available in 2 countries, across Europe.
Does Brighty require KYC?
Yes. Brighty requires identity verification (KYC) to open an account, as a vasp / msb / crypto licenses.
What does Brighty cost?
From the verified fields: cashback Tiers; yield Up to 10% stablecoin vaults. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Brighty before relying on them.
Early investors
Peers
Revolut · Crypto.com · Binance Card · Bybit Card · OKX Card · Bitget Card
Brighty appears in
Neobanks operating under crypto and money-transmitter licenses (25) · Neobanks available in Europe (145) · Neobanks that issue a Visa card (183) · Neobanks that issue a Mastercard (150) · Neobanks in Switzerland (11)
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.