EU · MICA FIELD-TESTED 17 APR
Brighty review
EU IBAN + crypto + 5% stablecoin yield in one app
The verdict
6.5 / 10 · CONSIDER
The most promising new entrant in EU crypto banking — IBAN, Visa card, and 5% stablecoin yield in a clean app, but still early-stage with a small user base.
◆ BUY IT IF
- Full EU IBAN + Visa card + 5% stablecoin yield in one app
- 4.2/5 Trustpilot — above average for the space
- Generous free tier — full IBAN and card access
- Simple, clean UX — best onboarding for EU beginners
◇ SKIP IT IF
- Very new (2022) — small user base, limited track record
- Estonian FIU licence only — not a bank, no deposit guarantee
- Only 30 coins — limited selection vs larger platforms
- No crypto-backed loans
§ 01 SCORE BREAKDOWN
Eight axes, weighted.
DIMENSION WEIGHT RATING SCORE
Regulatory safety
Estonian FIU Virtual Currency Service Provider licence; not a full bank
Card & IBAN
Multi-currency IBAN · physical + virtual cards
Yield
Up to 5% APY
Coin selection
30 coins supported
App UX
KYC median ~24h on last test
Transparency
Proof of Reserves, public filings, incident history
Fees & spreads
5% APY applies to USDC and USDT only; other assets at lower rates
Support
~20h median first reply
§ 02 THE FIELD TEST
How we tested Brighty.
Brighty's IBAN + card + yield stack in one app is genuinely convenient — a 2026-era competitor to Revolut for EU crypto-curious users. Stablecoin yield is real (5% range at time of testing) but lower than Nexo\'s top tiers. Smaller user base than established players means support bandwidth is thinner but response quality was fine. One to watch.
DATE STEP TIME NOTES
2026-03-15 Account opened ~24h KYC completed end-to-end
2026-03-15 First deposit tested SEPA withdrawal to Italian IBAN settled same-day. BTC on-chain withdrawal confirmed in ~30 minutes.
2026-03-15 First withdrawal tested SEPA withdrawal to Italian IBAN settled same-day. BTC on-chain withdrawal confirmed in ~30 minutes.
2026-03-15 Card activated tested Physical card delivered and activated
2026-04-17 Last hands-on check support ~20h Brighty's IBAN + card + yield stack in one app is genuinely convenient — a 2026-era competitor to Revolut for EU crypto-curious users. Stablecoin yield is real (5% range at time of testing) but lower than Nexo\'s top tiers. Smaller user base than established players means support bandwidth is thinner but response quality was fine. One to watch.
§ 03 SPECIFICATIONS
Everything, in one table.
Regulation
- Regulatory status
- Estonian FIU Virtual Currency Service Provider licence; not a full bank
- FDIC insurance
- No
- MiCA compliant
- Yes
- Founded
- 2022
- HQ
- Estonia (Tallinn)
Fees
- Monthly account fee
- Free
- Trading fee
- 1%
- Withdrawal fee
- SEPA free; crypto variable by network
Yield & products
- Earn yield
- 5% APY on USDC and USDT stablecoins
- Max APY
- 5%
- Staking
- No
- Crypto-backed loans
- No
- Supported coins
- 30
Banking
- IBAN
- Yes
- Debit card
- Yes
- DeFi access
- No
- NFT support
- No
Regions
- Regions available
- EU
- Markets served
- EU/EEA countries
Support
- Trustpilot
- 4.2/5 · 320 reviews
§ 04 FAQ
Frequently Asked Questions
Is Brighty safe? +
Brighty has a regulatory status of: Estonian FIU Virtual Currency Service Provider licence; not a full bank. The platform is MiCA compliant. Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Brighty? +
Brighty currently offers up to 5% APY. Rate as of 2026-03-13. Rates change — always check the platform for current rates before depositing.
Where is Brighty available? +
Brighty is available in: EU. Markets served: EU/EEA countries.
Does Brighty have a debit card? +
Yes. Brighty offers a debit card.
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