Bitwala
Founded 2014 · 30 employees on LinkedIn · 2 known investors
Bitwala offers a crypto app with a Visa card and self-custody wallet, letting users buy, hold, send, and spend Bitcoin, Ether, USDC, and Euros online, in-store, and at ATMs. It targets crypto users, freelancers, and businesses, and is regulated in Europe.
Investors · 2
Company profile
researched Aug 2026Bitwala operates a mobile crypto application that combines a self-custody wallet with everyday payment functionality. Users register in the app, receive physical and virtual Visa cards, fund the account with euros via SEPA transfers, and can buy, hold and send Bitcoin, Ether and USDC. Spending is supported online, in stores and at ATMs, with Google Pay available directly and Apple Pay through a third-party service, Curve.
The product is positioned as neither a bank nor an exchange. Custody is described as user-controlled: the company states that only the user can move funds and that wallet access is app-based rather than dependent on a seed phrase. Supported assets are deliberately limited to Bitcoin, Ether, USDC and euros, with the company stating it does not list altcoins or meme coins. Bitwala describes itself as made in Germany and regulated in Europe, and cites operation since 2014 with no hacks.
Business model
Consumer-facing crypto wallet and card application, with euro funding via SEPA and card-based spending through Visa. Bitwala also offers tokenized equity in itself, with investments from EUR 50, dividends tied to profit and exit, and an audited smart contract.
Traction
The company reports more than 150,000 users and over $3 billion in volume, operation since 2014 with zero hacks, and EUR 2,000,000 already invested in its tokenized share offering.
▸Full profile — market position, technology, go-to-market, geography
Market position
Positions itself outside both banking and cryptocurrency exchange categories, targeting users seeking self-custody together with real-world payment capability.
Combines self-custody asset ownership with mainstream spending rails in one app, restricts supported assets to Bitcoin, Ether, USDC and euros, and points to a track record since 2014 with no security breaches, German origin and European regulation.
Technology
Mobile app providing self-custody wallet access without a user-managed seed phrase, SEPA euro transfers, Visa card issuance (physical and virtual), Google Pay support, and an audited smart contract underpinning its tokenized share offering (BWALA token).
Go-to-market
Retail crypto users described as "Bitcoin pragmatists" — people living on crypto, freelancers earning in crypto, and businesses that bank with crypto, including users dissatisfied with exchanges.
Geography
Germany-based, with services described as regulated in Europe and euro funding via SEPA transfers.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 1
launches, deals, and filingsBitwala offers tokenized real shares from EUR 50 per investment, with dividends on profit and exit and an audited smart contract; the company states €2,000,000 has already been invested.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
▸Research sources · 1
primary sources listed
- Bitwalabitwala.com · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Bitwala do?
- Bitwala is a German crypto app pairing a self-custody Bitcoin wallet with a Visa card and euro payments.
- Who are Bitwala's investors?
- Bitwala's investors include Pointer.Capital, Blockchain Founders Fund.