Brighty
Brighty
A custodial European app with a multi-currency account, a Mastercard offering up to 1.75% cashback (0.5% base, $20/month cap on the free plan) and stablecoin Earning Vaults up to 10% APY. Note: it is NOT 0% FX — foreign-currency card payments carry a 2% fee. Its reliance on a BaaS provider carries a risk of funds being frozen, in a setup where the provider relationship is not entirely clear.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato |
| Multi-currency | Yes · 3 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| SEPA transfer | €3 |
| Interest on balance | 10% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 28+ countries |
| Regulator | Bank of Lithuania / Polish FSA |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | EMI (via partner) Dipende da BaaS |
Plans & pricing
Strengths
- Card cashback up to 1.75%; stablecoin Earning Vault up to 10% APY; multi-currency account.
- No notable sovereignty advantage documented.
Weaknesses
- Relies on a BaaS provider: freeze risk; 2% foreign-currency card fee.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Dipende da BaaS): reporting to authorities and freezes on order.
Verdict
The modest rating is deserved: cashback up to 1.75%, the stablecoin Earning Vault and the multi-currency account are good, but the card charges a 2% fee on foreign-currency payments (so it is not zero-cost) and the app relies entirely on a BaaS provider, with a real risk of funds being frozen and an unclear provider relationship. Without its own licence and with any deposit guarantee tied to the partner, protection for the ordinary user stays fragile.
Poor through this lens: custodial, full KYC and bottom-of-category privacy. It is a European app that concentrates all power in the provider, the opposite of the trustless, self-custody model that matters to the crypto-native user.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Brighty a real bank?
Brighty is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Brighty?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Brighty support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Brighty support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Brighty?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Monthly fee · SEPA fee · +3 Data verified on Jul 14, 2026
- globenewswire.com Verdetti · Tier Data verified on Jul 14, 2026
- milkroad.com Plans & pricing · Trust & safety Data verified on Jun 14, 2026
- pulse2.com Latest funding round Data verified on Jun 14, 2026
Show 6 more sources
- tech.eu Founders · Issuer · Company profile Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- bitcourier.co.uk Multi-currency Data verified on Jun 13, 2026
- comparecryptopay.com Deposit guarantee · Past incidents Data verified on Jun 13, 2026
- cryptonoshi.com IBAN countries Data verified on Jun 13, 2026
- opencryptocards.com On-chain crypto withdrawals Data verified on Jun 13, 2026