FIOR Digital

FIOR Digital is an Austrian crypto asset service provider that operates the consumer-facing Bitcoin platform 21bitcoin. The company positions itself as a regulated European alternative to offshore crypto exchanges, offering Bitcoin buying, savings plans, custody and self-custody tools under a single brand. Its platform is supervised as a Crypto Asset Service Provider (CASP) under the EU's MiCAR framework by the Austrian Financial Market Authority (FMA), and the company states that it builds its infrastructure within Europe rather than relying on offshore structures. The 21bitcoin product is deliberately Bitcoin-only: the company says it focuses exclusively on Bitcoin, with no altcoins or token trends, so that its technology, regulation and product development can be aligned to a single network. Core features include instant Bitcoin purchases from €10, recurring savings plans, a Bitcoin wallet for receiving, sending and storing BTC, and an option to automatically transfer purchased Bitcoin to a user's own hardware wallet. The company also offers tax-related tooling, including automatic withholding of Austria's 27.5% capital gains tax on Bitcoin profits and a holding-period tracker for German users, where privately held Bitcoin profits are generally tax-free after a holding period of more than one year under § 23 EStG. A distinguishing feature of the service is its banking foundation. 21bitcoin states that customer money is held at the German Volksbank Raiffeisenbank Bayern Mitte, not at an anonymous exchange, and that users receive a VR Bank Euro IBAN. The company has also highlighted that VR Bank is a shareholder, and it has publicized backing described as a "German Banking Titan" investing €2.1 million into the Bitcoin financial service. This banking integration supports features such as 0% deposit fees and a familiar account structure for European users. By its own account, 21bitcoin has more than 100,000 users in Europe, a 4.8 rating in the App Stores, and over €600 million (or $700 million+) invested through the platform. Support is provided by real people based in Germany via live chat and email, with an average response time under 15 minutes. The company's stated vision is to build a leading European financial platform centered around Bitcoin, supporting buying and saving, secure storage and self-custody, taxes and reporting, and the management of larger Bitcoin holdings over the long term.

FIOR Digital operates the 21bitcoin platform, an Austrian-based crypto asset service provider focused exclusively on Bitcoin. The company was founded to address a gap its founders saw in the market: most Bitcoin services were geared toward short-term trading, were unnecessarily complex, or forced users to choose between convenience and control. 21bitcoin was created to combine the simplicity of modern financial apps with European regulation, professional infrastructure, and the ability to take self-custody of Bitcoin. A central element of the company's history and identity is its regulatory and banking foundation. 21bitcoin is supervised as a Crypto Asset Service Provider under the EU's MiCAR framework by the Austrian Financial Market Authority (FMA). Rather than operating offshore, the company builds its infrastructure within Europe. It also established a banking relationship with the German Volksbank Raiffeisenbank Bayern Mitte, where customer money is held, and users receive a VR Bank Euro IBAN. VR Bank is a shareholder in the business, and the company has publicized a €2.1 million investment described as backing from a "German Banking Titan." The platform has grown to serve more than 100,000 users in Europe, with a 4.8 rating in the App Stores and over €600 million (or $700 million+) invested through 21bitcoin. Its product set has expanded from simple Bitcoin buying to include recurring savings plans, a Bitcoin wallet with optional automatic transfer to self-custody hardware wallets, and tax and reporting tools tailored to Austria and Germany. In Austria, the company withholds the 27.5% capital gains tax on Bitcoin profits and pays it directly to the tax office; in Germany, it provides a holding-period tracker and account statements to simplify tax reporting under § 23 EStG. The company's stated vision is to build a leading European financial platform centered around Bitcoin, supporting users over years with buying and saving, secure storage and self-custody, taxes and reporting, and the management of larger Bitcoin holdings. Its principles emphasize a Bitcoin-only focus, simplicity without loss of control, and regulation instead of offshore structures.

• 21bitcoin is founded to combine modern finance app simplicity with European regulation and self-custody.

• 21bitcoin becomes supervised as a Crypto Asset Service Provider under MiCAR by the Austrian Financial Market Authority (FMA).

• VR Bank becomes a shareholder and customer funds are held at Volksbank Raiffeisenbank Bayern Mitte.

• A €2.1 million investment described as backing from a "German Banking Titan" is publicized.

• Platform reaches 100,000+ users in Europe and over €600 million invested.

Regulated, Bitcoin-only European financial platform with banking integration and self-custody options.

• Instant Buy

  Buy Bitcoin instantly from €10, 24/7, with a service fee of 1.29–1.49% and no network fees on purchases.

• Save in Bitcoin

  Recurring Bitcoin savings plan with a standard 1.29% fee for the first week and a permanent 0% service fee from day 8 onwards.

• Bitcoin Wallet

  Receive, send and store Bitcoin, with optional auto-transfer to a self-custody hardware wallet for 1,000 sats per transaction.

• Tax tools

  Automatic 27.5% capital gains tax withholding in Austria and a holding-period tracker plus account statements for Germany.

1. 121bitcoin | Understand Bitcoin, buy securely & self-custody21bitcoin.app
2. 2Über uns: Gründer, Mission & Regulierung | 21bitcoin21bitcoin.app
3. 3About us: Founders, mission & regulation | 21bitcoin21bitcoin.app
4. 4Bitcoin Taxes in Germany & Austria | 21bitcoin21bitcoin.app
5. 5FIOR Digitalwikidata.org