EU · MICA
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 10% APY
Coin selection
30 coins supported
App UX
Transparency
Proof of Reserves, public filings, incident history
Fees & spreads
5% APY applies to USDC and USDT only; other assets at lower rates
Support
§ 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
- up to ~10% APY on USDC/USDT via Earning Vaults; up to 5% APY via Earning Cards (linked stablecoin accounts)
- Max APY
- 10%
- 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
Historical APY
§ 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 10% APY. Rate as of 2026-06-17. 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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