Navigating between fiat and crypto doesn’t have to feel like solving a puzzle anymore, especially with Brighty, which seeks to simplify your financial life, putting digital assets and traditional currencies in sync.
Brighty is an all-in-one financial app founded and headquartered in Zug, Switzerland (a global hub for crypto innovation).
In essence, it merges the reliability of traditional institutions with the flexibility of crypto, allowing you to use crypto for such daily things as buying your coffee or filling gas. Of course, it offers more than that.

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Think of it as your regular bank but tailored for the crypto age, offering virtual and physical Visa cards, seamless fiat-to-crypto exchanges, and earning opportunities.
Security First, Always
Fully regulated and licensed within the EU, Brighty is a member of the Financial Services Standards Association (VQF) of Switzerland, which means that it maintains rigorous regulatory compliance.
Your assets on Brighty are protected by advanced encryption, multi-factor authentication, and thorough audits. Fiat funds are safeguarded by being completely separated from Brighty’s operational funds. Your crypto assets are stored in bank-grade vaults, insured for up to $250 million, and feature offline key storage as well as extensive transaction monitoring.
Additionally, Brighty requires users to complete identity verification (KYC) and handles personal data in compliance with GDPR standards.
Brighty’s Key Features
There are several things you can do with Brighty.
Pay Your Way, Instantly
Brighty lets you use crypto as easily as you’d use traditional fiat currency. Just order a Brighty card (physical or virtual) and top it up with fiat like EUR, USD, GBP, stablecoins like Tether
Once you do that, you can easily pay anywhere Visa, Apple Pay, or Google Pay are accepted using either crypto or fiat in your account. Plus, you can quickly exchange your crypto to fiat, crypto to crypto, and vice versa at competitive rates.
Grow Your Crypto in Vaults
Besides spending and exchanging, with Brighty’s earning vaults, you can make your funds grow daily. They offer up to 10.41% APY on your crypto with no locked funds. Just open a vault and deposit the supported assets into it. You can withdraw anytime, fee-free. Do note that the possible earning percentage depends on your subscription plan (more on that below).
AI Investments: Investing Made Smarter
Brighty’s AI Investment tool uses sophisticated AI-driven algorithms to offer diverse, commission-free portfolios based on sectors like Nasdaq, S&P 500, dividends, real estate, energy, and more.
These portfolios are continuously adjusted based on real-time market data, trends, and news, with past performance reaching up to 21% annually. You just have to pick a portfolio and invest in it with a single click. By the way, you can withdraw anytime.
For Businesses and Digital Creators
Now, Brighty isn’t just for individual users; it’s also optimized for businesses and creators. Businesses can perform crypto-to-fiat transactions, manage bulk payments via APIs, conduct OTC trades without slippage, and enjoy fast onboarding with thorough compliance.
Digital creators benefit from a specialized neobank experience, receiving payments swiftly without complex transactions. Creators can even showcase their art on custom Brighty VISA cards used by thousands across Europe, spotlighting their work through everyday transactions.
Brighty’s Pricing Plans
You can use Brighty for free, but you will not get all the benefits with the free plan, including the allowed fee-free monthly exchange of a set limit. Here’s a comparison of its plans to give you the full picture:
Cost | Fee-Free Monthly Limit | Stablecoin APY | Other Crypto APY | Cards Included | AI Investments | |
---|---|---|---|---|---|---|
Brighty One | Free | ✗ (0.6% fee on all exchanges) | 3.56% | ETH & ADA – 1.51%; XTZ – 5,13% | 1 Virtual | ✗ |
Brighty Plus | €9/month | €2,000 (then 0.5% fee) | 7.25% | ETH & ADA – 1.51%; XTZ – 5,13% | 1 Physical; | ✓ |
Brighty Pro | €18/month | €5,000 (then 0.4% fee) | 10.41% | ETH & ADA – 1.51%; XTZ – 5,13% | 2 Physical; | ✓ |
Table: Brighty’s Pricing Plans
As you can see, the free plan is a bit limiting and doesn’t offer the highest earning potential. So, for the full Brighty experience, it would be best to go with the Plus or the Pro plans. However, if you only need a virtual card for using your crypto as fiat, the One plan should suffice.
Regarding other fees and limits, all plans have a fiat account limit of €100,000 and unlimited crypto balances. Receiving money (crypto or fiat) is free and unlimited. Sending fiat has daily (€8,000) and monthly (€30,000) limits with low fees (lowest on Plus and Pro). Crypto transfers are unlimited, with modest transaction fees depending on the cryptocurrency network.
How to Get a Brighty Card?
It’s very easy to get a Brighty card. Just follow these steps:
- Download the App. Brighty is only accessible via a mobile app.
- Enter Your Phone Number. This will act as a base for creating your account. You’ll also have to verify it by filling in a code you’ll get via a message.
- Create a Passcode. Once you confirm your phone number, you’ll have to create a passcode. After that, you’ll also have an option to enable biometric authentication (like Face ID).
- Choose Your Country of Residence. You’ll be asked to indicate your country of residence because the conditions and services you can get depend on it.
- Verify Your Identity. You cannot use Brighty’s services without verifying your identity. To do that, you’ll have to provide an identity verification document, take a selfie, and answer a few questions.
- Order a Card. Once you’re verified, you can order your Brighty card. If you’re using the free plan, though, you’ll only be able to get the virtual card. You should get the virtual card instantly, so you can start using it for purchases immediately after topping it up.
Summing things up, Brighty blends the stability of traditional banking with the freedom and innovation of crypto, creating an approachable, secure platform for anyone looking to navigate digital finance easily and effectively.
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