Bitstack
Europe’s easiest app to invest in Bitcoin by rounding up daily purchases and saving spare change.
Website: https://www.bitstack-app.com/en
Cover Block
| Field | Value |
|---|---|
| Name | Bitstack |
| Tagline | Europe's easiest app to invest in Bitcoin by rounding up daily purchases |
| Headquarters | Paris, France (Station F) |
| Founded | 2021 |
| Stage | Series A |
| Business Model | B2C |
| Industry | Fintech / Crypto-native neobank |
| Technology | Blockchain / Bitcoin |
| Geography | Western Europe |
| Growth Profile | Venture Scale |
| Founding Team | Co-Founders (3) |
| Funding Label | Series A |
| Total Disclosed | ~$23.9M [Tracxn] |
Links
- Website: https://www.bitstack-app.com/en
- LinkedIn: https://www.linkedin.com/company/bitstack-app
- Crunchbase: https://www.crunchbase.com/organization/bitstack
- Careers: https://apply.workable.com/bitstack/?lng=en
What an Investor Needs First
Bitstack is a Paris-based crypto-native neobank that has built what it calls Europe's easiest on-ramp to Bitcoin savings, converting the spare change from everyday card purchases into Bitcoin holdings [Bitstack, 2025]. Founded in 2021 by Alexandre Roubaud, Alexander Roubaud, and Kabir Sethi, the company went through Y Combinator's Summer 2022 batch and operates out of Station F, the Paris startup campus [LinkedIn]. Its core product wraps a familiar round-up savings mechanic around Bitcoin accumulation. A December 2025 Series A of €12.9 million (about $15 million) extended that proposition into a fuller banking stack including a euro account with a French IBAN and a VISA debit card with Bitcoin "stackback" rewards [EU-Startups, Dec 2025]. The company reports more than 200,000 users as of mid-2025 and total disclosed funding of roughly $23.9 million across a 2022 seed and the recent Series A [Bitstack, June 2025] [Tracxn]. Bitstack carries PSAN registration with France's AMF and PSCA approval under MiCA [Bitstack, June 2025].
Data Accuracy: GREEN -- Confirmed by Bitstack press releases, EU-Startups, Tracxn, and LinkedIn.
Inside the Company
Bitstack was founded in 2021 in France and incorporated as Bitstack Digital Assets SAS, registered with the Aix-en-Provence Trade and Companies Register under number 899 125 090 [Bitstack]. The product launched commercially in 2022 with a single, deliberately narrow promise: help ordinary French consumers acquire Bitcoin without having to think about it, by rounding up everyday card purchases to the next euro and converting the difference into BTC [Bitstack, 2025].
Three milestones anchor the company's trajectory. First, admission to Y Combinator's S22 cohort gave the team a US-flavored capital and network base early on [LinkedIn]. Second, in 2022 Bitstack closed a €2 million seed round, with Founders Future identified as an investor [Bitstack] [Crunchbase]. Third, in December 2025 the company announced a €12.9 million Series A (roughly $15 million) earmarked for European expansion and a wider product stack including a euro account with a French IBAN and a VISA debit card [EU-Startups, Dec 2025]. Total disclosed funding stands at approximately $23.9 million [Tracxn].
On the regulatory side, Bitstack obtained PSAN registration with the AMF and subsequently received PSCA approval under the EU's MiCA framework [Bitstack, June 2025]. The company also operates as an agent of Xpollens for payment-services functionality [Bitstack].
Data Accuracy: GREEN -- Confirmed by Bitstack regulatory pages, EU-Startups, and Crunchbase.
Under the Hood
The Bitstack app is positioned as a savings product first and a trading product second. The headline mechanic is a round-up: every card transaction is rounded to the next euro and the difference is converted into Bitcoin inside the user's Bitstack account [Bitstack].
The December 2025 Series A funded a meaningful product expansion. Bitstack now offers, or is rolling out, a euro account with a French IBAN that lets users receive direct deposits, including converting part or all of a salary into Bitcoin, alongside a VISA debit card that pays Bitcoin "stackback" rewards on purchases [EU-Startups, Dec 2025] [Bitstack]. Crunchbase classifies Bitstack as "a crypto-native neobank" [Crunchbase].
On execution and order routing, Bitstack publishes a best-execution policy stating that when it executes an order on behalf of a customer, the best possible result is determined by total cost [Bitstack]. Underlying payment rails run through Xpollens, under which Bitstack operates as an agent for the card and IBAN functionality [Bitstack].
Data Accuracy: GREEN -- Confirmed by Bitstack product pages, regulatory documents, and EU-Startups.
Market Research and Opportunity
The European retail-Bitcoin market is moving from speculative trading to recurring savings. The company cites that nearly 4 million French people hold Bitcoin [Bitstack, 2025]. France is a useful proving ground: it has a large mass-affluent banking population, a strong neobank culture, and one of Europe's more developed crypto regulatory regimes via the AMF's PSAN regime, now overlaid by MiCA at the EU level [Bitstack, June 2025].
| Sizing claim | Value |
|---|---|
| French adults holding Bitcoin | ~4,000,000 |
| Bitstack reported users | >200,000 |
| Bitstack total disclosed funding | ~$23.9M |
Against the cited 4 million French Bitcoin holders, Bitstack's reported 200,000-plus users represent roughly 5% (estimated) penetration of the home-market crypto-holding population. The macro and regulatory tailwind is MiCA, which creates a single passport-style regime across the EU [Bitstack, June 2025].
Data Accuracy: YELLOW -- Sizing rests on a single Bitstack-cited figure (4 million French holders) without an independent third-party report attached in available sources.
Competition and Substitutes
Bitstack competes less with pure exchanges and more with the crypto features of European neobanks. The European competitive map sorts into three tiers: incumbents (Binance, Coinbase, Bitpanda, Kraken), challenger neobanks (Revolut, Trade Republic, N26), and specialists like Bitstack.
Bitstack's edge today: regulatory standing in France (PSAN with the AMF and PSCA under MiCA) reduces friction relative to operators still working through licensing, and the savings-first product narrative is a clearer message for the mass-market saver [Bitstack, June 2025]. The euro account with a French IBAN plus salary-conversion feature is a meaningful behavioral lock-in [EU-Startups, Dec 2025].
Data Accuracy: GREEN -- Confirmed by Bitstack regulatory documents and EU-Startups.
Opportunity
If Bitstack executes, the prize is to become the default European savings rail for Bitcoin. Three pieces of cited evidence make that outcome reachable: the cited 4 million French Bitcoin holders [Bitstack, 2025], the two regulatory credentials (PSAN and PSCA under MiCA) [Bitstack, June 2025], and the December 2025 Series A funding for European expansion [EU-Startups, Dec 2025].
Data Accuracy: YELLOW -- Scenarios extrapolate from confirmed product, regulatory, and funding facts.
Sources
- [Bitstack] Save & invest in Bitcoin, effortlessly | https://www.bitstack-app.com/en
- [Bitstack] About | https://www.bitstack-app.com/en/about
- [Bitstack] Our mission at Bitstack | https://www.bitstack-app.com/en/actualites/our-mission-at-bitstack
- [Bitstack, June 2025] Bitstack obtains its PSAN registration with the AMF | https://www.bitstack-app.com/en/actualites/bitstack-obtains-psan-registration-with-amf
- [Bitstack, 2025] Bitstack Raises $15 Million to Become Europe's Leading Bitcoin Savings Platform | https://bitstack-app.com/en/news/bitstack-raises-15-million-to-become-europes-leading-bitcoin-savings-platform
- [Bitstack] Bitstack raises 2 million euros to accelerate its development and democratize bitcoin in France | https://www.bitstack-app.com/en/actualites/bitstack-raises-2-million-euros-to-accelerate-its-growth-and-democratize-bitcoin-in-france
- [Bitstack] The Bitstack Card - Earn free bitcoin on every purchase | https://www.bitstack-app.com/en/card
- [Bitstack] Politique commerciale | https://bitstack-app.com/en/regulatory-documents/commercial-policy
- [Bitstack] Best execution and order management policy | https://www.bitstack-app.com/en/regulatory-documents/best-execution-and-order-management-policy
- [Crunchbase] Bitstack Company Profile & Funding | https://www.crunchbase.com/organization/bitstack
- [Tracxn] Bitstack 2026 Company Profile, Team, Funding & Competitors | https://tracxn.com/d/companies/bitstack/__M5oLYzRewWRE1I9m7VJf2aBHBuOvc41qu_-J7oLGZzo
- [PitchBook] Bitstack 2026 Company Profile: Valuation, Funding & Investors | https://pitchbook.com/profiles/company/489944-53
- [EU-Startups, Dec 2025] Paris-based Bitstack expands its Bitcoin savings suite with fresh €12.9 million funding round | https://www.eu-startups.com/2025/12/paris-based-bitstack-expands-its-bitcoin-savings-suite-with-fresh-e12-9-million-funding-round/
- [LinkedIn] Bitstack (YC S22) | https://www.linkedin.com/company/bitstack-app
- [BFMTV, Feb 2026] Alexandre Roubaud, CEO de Bitstack | https://www.bfmtv.com/economie/replay-emissions/la-grande-interview/alexandre-roubaud-ceo-de-bitstack-05-02_EN-202602050809.html
Articles about Bitstack
- Bitstack Wants Every French Paycheck to Drip Into Bitcoin — The Paris startup just raised €12.9M to turn a round-up app into a euro account that converts salary into BTC.