“Can a bitcoin micro-savings app evolve into the go-to bitcoin-native neobank for European retail consumers by embedding everyday banking (card, round-ups, recurring buys) on top of a regulated crypto infrastructure?”
Founded in 2021, Bitstack started as a bitcoin micro-savings app targeting French retail consumers via round-ups (spare change) and recurring buys. The company progressively embedded banking infrastructure — first via Tink for open banking connectivity and then via Xpollens as its EMI sponsor — to anchor the product in everyday money management. By 2025 it had secured a MiCA CASP licence and launched the Bitstack Card, pivoting from a pure savings app toward a bitcoin-native neobank competing on everyday spend cashback and integrated banking.
Bitstack discloses Xpollens as its banking provider, according to the Embedded Finance Index 2026.
Bitstack does not disclose a bank charter of its own; its banking services are provided through Xpollens.
Bitstack's cards are issued through Xpollens.
The Embedded Finance Index 2026 maps 3 layers in Bitstack's stack: Banking / BaaS (Xpollens); Card issuing (Xpollens); Open banking (Tink and Powens).
Bitstack was founded by Alexandre Roubaud and is founded in 2021, headquartered in Meyreuil, France.
Get a read on where your own stack stands against Bitstack and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.