Bitcoin is changing how people save.
We are building the financial platform for it.
– Daniel Winklhammer, CEO & Co-Founder
Why 21bitcoin exists
Bitcoin deserves more than just a trading app: For more and more people, Bitcoin is becoming a long-term component of their wealth. Yet many services are still geared toward short-term trading, are unnecessarily complex, or force users to choose between convenience and control.
21bitcoin was founded to change that.
We combine the simplicity of modern financial apps with European regulation, professional infrastructure, and one of Bitcoin's most important features: the ability to take control yourself.
We don't want to make Bitcoin more complicated. We want to build great financial products around Bitcoin.
Users trust 21bitcoin
In the App Stores
Invested via 21bitcoin
Our principles
Bitcoin only: We focus exclusively on Bitcoin. No altcoins, no token trends, and no products just because they are currently getting attention.
This focus allows us to align our entire technology, regulation, and product development with a single network.
Simplicity without loss of control: Bitcoin doesn't have to be complicated.
With 21bitcoin, you can buy and save Bitcoin as easily as with a modern finance app – while still deciding for yourself how you want to store it.
Professional custody or your own wallet: The choice remains yours.
Regulation instead of offshore: Financial infrastructure requires clear rules and responsibilities.
21bitcoin is supervised as a Crypto Asset Service Provider under MiCAR by the Austrian Financial Market Authority and is building its infrastructure within Europe.
Our vision
Our goal is to build a leading European financial platform centered around Bitcoin.
A platform that supports people for years to come: with buying and saving, secure storage and self-custody, taxes and reporting, and managing larger Bitcoin holdings.
And over time, with additional financial services that meaningfully integrate Bitcoin into the existing financial system.
Not more crypto products. But better financial products centered around Bitcoin.
Why Bitcoin
An open, global network
Bitcoin is based on an open protocol and is not operated by any single company or government. The network's rules are transparent and viewable by anyone in the world.
21 million
The maximum supply is capped at 21 million bitcoin by the Bitcoin protocol. New bitcoin are issued according to a transparent and predictable schedule.
Self-custodial
Bitcoin allows you to self-custody and transfer your wealth – without having to rely permanently on a central custodian.
For us, Bitcoin is not just one product category among many. It is the reason 21bitcoin exists.
We are building 21bitcoin for the decades to come
If you are building a long-term Bitcoin position, you should know who you are dealing with and how the underlying infrastructure works.
MiCAR-regulated
21bitcoin is authorized as a Crypto Asset Service Provider under MiCAR and is supervised by the Austrian Financial Market Authority (FMA).
Professional Bitcoin custody
We use a combination of hot, warm, and cold wallets for custody. For the technical storage of cold wallet keys, 21bitcoin partners with BitGo Europe.
German banking infrastructure
For Euro balances, you will receive a personal virtual IBAN via VR Bank Bayern Mitte – a German cooperative bank and strategic shareholder of 21bitcoin.
Self-Custody
You can transfer your Bitcoin to your own wallet at any time and take full control of your private keys.
Our leadership team
21bitcoin is built by 30 experts from the worlds of finance, tech, and compliance. Meet the people setting our course.
Daniel is responsible for strategy, product, and partnerships at 21bitcoin. Prior to founding the company, he worked on technology and digitalization projects in the financial and corporate sectors.
Dominik is responsible for the technology and technical architecture at 21bitcoin and has been developing the platform together with the engineering team since its inception.
Clemens is responsible for our educational content, brand, growth, and the positioning of 21bitcoin in Europe.
Help us build the future of Bitcoin in Europe
We are a team of experts in technology, finance, compliance, product, and Bitcoin—united by a single goal: to build financial products that make Bitcoin more accessible without compromising its fundamental properties.
Our journey
2026
21bitcoin becomes a Bitcoin financial platform
Over 100,000 users have now invested more than €600 million through 21bitcoin. At the same time, the platform is expanding from buying and saving to include private services, professional wealth management, and other Bitcoin-related financial services.
Together with VR Bank Bayern Mitte and Sopra Financial Technology, 21bitcoin is also working on a pilot project for Bitcoin-backed loans.
2025
MiCAR authorization by the FMA
FIOR Digital receives authorization as a Crypto Asset Service Provider under MiCAR from the Austrian Financial Market Authority—the regulatory foundation for 21bitcoin's further European expansion.
2024
Partnership with FC Red Bull Salzburg
21bitcoin becomes a partner of FC Red Bull Salzburg, bringing Bitcoin to an even broader audience in Austria and Europe.
2023
A German bank invests in 21bitcoin
VR Bank Bayern Mitte invests €2.1 million in 21bitcoin and becomes a strategic shareholder—a major step in connecting Bitcoin with established European financial infrastructure.
2022
21bitcoin goes live
The 21bitcoin app launches, making buying and holding Bitcoin significantly easier for customers in Europe.
2021
FIOR Digital is founded
FIOR Digital GmbH, the company behind 21bitcoin, is founded, creating the regulatory and organizational foundation for the platform's further development.
2020
The idea is born
Daniel and Dominik start in Salzburg with a simple idea: to make Bitcoin more accessible, secure, and trustworthy. The two have known each other since their time together at HTL Salzburg.
We are just getting started
Buying Bitcoin was the first step. Today, we are continuing to build 21bitcoin into the platform for your entire Bitcoin wealth—from saving and custody to private services and new financial products centered around Bitcoin.
From your first Bitcoin to long-term Bitcoin wealth.
