Brighty

Fintech · Warsaw, Poland

Brighty is a mobile finance app operated by Wireflexion sp. z o.o., a company registered in Poland's Virtual Currency Activities Register, alongside a sister crypto entity, Brighty Digital UAB, registered in Lithuania. It combines crypto wallets and fiat IBAN accounts in euros, dollars and pounds, with a Mastercard payment card issued by partner e-money institution Wallester AS. The app pays yield of up to 10 percent on stablecoin and crypto balances held in earning vaults. Brighty states plainly on its own terms that it is a financial technology company, not a bank, and that fiat and card services are supplied by licensed partners rather than by Brighty itself.

Legal name: Wireflexion sp. z o.o.
Regulated by: Poland Virtual Currency Activities Register (entry RDWW-1690, Wireflexion sp. z o.o.), Lithuania Financial Crime Investigation Service (crypto registration, Brighty Digital UAB)
Licence confirmed: yes, on a regulator's own list
Established: 2021
Website: brighty.app

Scores, 0 to 10

8.0Crypto-friendly bank

Crypto is Brighty's core product: multi-chain wallets for BTC, ETH, USDC, EURC and other tokens, Fireblocks custody, and stablecoin earning vaults advertising up to 10% APY. · source

7.5Stablecoins (USDC, USDT and others)

Businesses hold and send USDC and EURC across ERC-20, TRC-20, Solana and other chains, run batch payouts and payroll in crypto or fiat from one balance, and convert to fiat 24/7. · source

7.0On-ramp: buy crypto with fiat

Companies convert EUR, GBP or USD to BTC, ETH, USDC and 20+ assets inside the business dashboard 24/7 with FX mark-ups from 0.2%, through Brighty's licensed partners. · source

7.0Off-ramp: crypto to fiat in a business account

Crypto converts back to fiat in the same account and pays out by SEPA or SWIFT to 180+ countries, with fiat transfers taking hours to 1-2 business days. · source

6.5Bitcoin

The business account can buy, hold and send BTC on-chain, but custody sits with partners rather than under a Brighty MiCA licence. · source

6.5Ethereum

ETH and ERC-20 tokens can be bought, held, sent and swapped across Ethereum, Arbitrum and other chains in the business account; no staking for companies was found. · source

6.0Best interest on business balances

Earning vaults advertise up to 10% APY on stablecoin and crypto balances, well above typical bank rates, but this is DeFi-style yield with capital at risk, not an insured deposit rate, and no fiat interest rate is published. · source

6.0Fast digital onboarding

Brighty is a self-serve mobile app typical of consumer fintech signup flows, though no specific verification time is published and business onboarding runs through a separate email contact. · source

5.5Crypto wallet and custody for a business

Brighty Business gives companies multi-asset wallets next to EUR, GBP and USD balances, but its 2026 site footer says custody and on and off ramp services are provided by licensed partners, and no Brighty entity appears in the ESMA MiCA CASP register checked September 2026. · source

5.0Business cards (Visa, Mastercard)

Physical and virtual Mastercards are issued through partner EMI Wallester AS and can spend from either the fiat or crypto balance, but no published FX or ATM fee schedule was found. · source

4.5Europe (EU, EEA, Switzerland)

Operates through Poland and Lithuania virtual-currency registrations and EU-based partner banks/EMIs for fiat rails, but holds no EU banking or payment-institution licence of its own. · source

4.0Customer satisfaction

No Trustpilot business profile with a verifiable score was located for brighty.app as of September 2026; third-party review aggregators cite app-store ratings but these were not opened directly today. · source

4.0Foreign-owned & non-resident companies

The app is available in 27+ countries but Brighty states 'availability of services may vary by jurisdiction and is subject to regulatory approval,' without a published list of accepted countries for business accounts. · source

4.0Accept crypto payments

A business can receive crypto into its Brighty balance and the site pitches billing clients in crypto or EUR, but there is no merchant checkout, payment link or published acceptance fee table. · source

3.5Lowest fees

No public fee schedule for the fiat account, card or transfers was found on Brighty's business or company pages. · source

3.5Startups & VC-backed companies

No startup-specific programme, venture debt or cap-table integration is published; the business product covers payments, cards, FX and payroll generally. · source

3.0Cross-border payments, FX and multi-currency accounts

IBAN accounts are offered in only three fiat currencies (EUR, USD, GBP) with no published FX margin or local-rail network beyond SEPA/SWIFT through partners. Three fiat currencies and crypto wallets with no cash pooling, hedging or multi-country account structure aimed at enterprise treasury. · source

3.0Online businesses: e-commerce and SaaS

Brighty is built for individual and small-business crypto/fiat spending, not merchant acquiring or marketplace collection accounts. Brighty's business page lists payments, a business card, currency exchange and payroll, but no API, accounting integrations or revenue-based financing for software companies. · source

3.0Financial strength & stability

Privately held with 10 million dollars raised as of December 2024, unrated, no published balance sheet, and it operates without a banking licence of its own. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, adult, cannabis or forex verticals was found on Brighty's business or terms pages. · source

2.0Fintech companies that need a partner bank

Brighty itself relies on other licensed partners (Wallester AS and unnamed fiat providers) for banking rails rather than offering safeguarding accounts or agency banking to other fintechs. · source

1.0Trade, manufacturing & import-export

No letters of credit, guarantees or trade finance products are offered. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.