Bitcoin is sovereign money. You should be able to move anywhere in the world and pay for anything with it.

In Europe, that wasn't possible. I started Bringin to change that.

I moved from India to Estonia with Bitcoin. Sending money from India to Estonia through the traditional system is a bureaucratic nightmare. Bitcoin was the only thing that moved freely.

That's when I realized that Bitcoin is a Sovereign Money that existed outside any system that could freeze it, block it, or take it away.

But when I tried to actually use it in Tallinn, pay rent, buy a flight, convert to euros for a holiday. The system around it was broken. Banks flagging transactions. Exchanges holding funds. Days of waiting.

Bitcoin always worked. Everything bridging it to the real world didn't.

Bitcoin has always been treated as three things: a stock to invest in, a vault to hide savings in, or a hill to die on. Almost no one tried to make it work as money; Which required to create a reliable Bitcoin to bank offramp - since many merchants wont accept bitcoin.

I quite my job, moved back to India, used all my bitcoin to bootstrap Bringin to solve this.

Bringin's web app came first, a dedicated euro vIBANs, instant and safe off-ramps, without the anxiety of bank blocks. A problem that needed solving before anything else could work.
Then we built a self-custody Lightning wallet, because instant settlement is what makes Bitcoin work as daily money. Lightning is key to actualising Bitcoin as money.

We shipped v1 of the app. A wallet, a vIBAN, and a debit card side by side. It worked - over 160 BTC of real flow, daily use across Europe. But it wasn't the frictionless experience we had promised. So we took it back. Rebuilt it from the ground up with feedback from the community.

This week, Bringin v2 is live across Europe.

What's in v2

Wallet — Built using Breez SDK with nodeless Spark implementation. 2-of-2 multisig at the protocol level — Bringin co-signs every transaction but cannot move funds alone. Every wallet ships with pre-signed exit transactions to Bitcoin L1, so users can exit unilaterally to mainchain anytime, without our cooperation. On-chain and Lightning live in one balance via Boltz submarine swaps. No channels to manage, no node on device. 5x faster and 70% cheaper than v1 (which was on Liquid).

Lightning addresses — Three addresses, three jobs:

• yourname.btc@bringin.xyz — receives to self-custody wallet
• yourname.card@bringin.xyz — anyone on Lightning can top up the Bringin Visa from any wallet
• yourname@bringin.xyz — default, auto-converts incoming sats to euros in the vIBAN

Bringin Connect — Permanent Lightning-to-bank rail. Point a Lightning address at your existing Wise/Revolut/main bank and every send lands as euros in that bank. Reverse direction: standing order from bank to wallet for automatic DCA into self-custody, no app required.

Off-ramp UX — No order placement. Static QR linked to your bank. Scan it from any Lightning wallet, send any amount of sats, euros land via SEPA Instant.

Visa card — Two variants. Euro-balance card is straightforward. Bitcoin-balance card holds sats and converts at the moment of tap. The Bitcoin-balance side is custodial even though the wallet is self-custody —that’s what our users asked for. We're explicit about this distinction in the app.

Most compliant Bitcoin products make you hand over your keys to get a polished experience. We built Bringin to be both - fully regulated, instant SEPA, real IBANs, Visa cards, without ever compromising on self-custody, Bitcoin's core feature.

Bitcoin. Euros. Card.

Three balances, all first-class. Bitcoin isn't a feature inside a euro app. Euros aren't an off-ramp buried under a Bitcoin wallet. Both held by you. Both spendable.

This is the first app I know of built on one idea: Bitcoin and euros aren't competing currencies. They're two halves of money in the dual money era that we are currently in — one for sovereignty, one for daily life.

Three years. One mission. Make Bitcoin usable - today

Check it out: https://bringin.app