No debt, ever
You're not a borrower. Ownership of the Bitcoin transfers to Invity for the term, so there's no loan on your books, no income check, no credit scoring. You never repay more than you received (fees apply).
Personal loan
Sell Bitcoin without losing your right to it
Sell Invity part of your Bitcoin for EUR, CZK or PLN and keep full control of when to buy back. Not a loan, not a debt — your buyback is a right, never an obligation.
Get liquidity
Sell Bitcoin without losing your right to it
A regulated buyback structure that keeps you in control of when, or whether, you reclaim your Bitcoin.
A fixed buyback price
The price to buy your Bitcoin back is set at the start and never moves. You know the exact terms before you take a single euro — no variable rate, no surprises over the term.
A wide safety margin
You receive up to 50% of your Bitcoin's current value, so the position starts with a large buffer. We monitor it and notify you if the ratio rises. Only in an extreme drop do we sell from reserve — and even then, you never owe a cent more (fees apply).
Your buyback is a right, not an obligation
You decide whether to buy back, any time within 1 to 36 months. Use the right and reclaim your Bitcoin, or let it lapse — either way, you owe nothing.
Personal loan parameters
Of your Bitcoin's current value
Up to 50%
- Fixed buyback priceSet upfront, for the whole term
- 1–36 monthsYou choose the term
- From €4,000Minimum amount
- No debtYou never repay more than you received (fees apply)
Your Bitcoin sets the terms. No income check, no credit scoring, no repayments. Structured so you always know your exit price before you start.
How it works
Four steps to cash, with the right to buy back
A clean flow from price discovery to payout — and from buyback to reclaiming your Bitcoin.
- 1
Choose your terms
Pick how much Bitcoin to sell, the currency (EUR, CZK or PLN), and the term (1–36 months). The app shows your payout and the fixed buyback price instantly.
- 2
Transfer to custody
Move your Bitcoin into secure custody. Cash up to 50% of its current value is sent to your account.
- 3
Buy back any time — or don't
Within your term, you have the right to buy the Bitcoin back at the price fixed on day one.
- 4
Reclaim or walk away
Use your right and your Bitcoin returns to you. Skip it and the right lapses — with no debt and no penalty.
- 1
Choose your terms
Pick how much Bitcoin to sell, the currency (EUR, CZK or PLN), and the term (1–36 months). The app shows your payout and the fixed buyback price instantly.
- 2
Transfer to custody
Move your Bitcoin into secure custody. Cash up to 50% of its current value is sent to your account.
- 3
Buy back any time — or don't
Within your term, you have the right to buy the Bitcoin back at the price fixed on day one.
- 4
Reclaim or walk away
Use your right and your Bitcoin returns to you. Skip it and the right lapses — with no debt and no penalty.
What people ask us
FAQ
What's the difference between a Personal loan and a traditional loan?
A traditional loan creates debt you must repay with interest. A Personal loan with Invity is a sale of part of your Bitcoin with a buyback right — ownership transfers to Invity for the term, you take on no debt, and you never repay more than you received (fees apply). Buying back is your choice.
How much cash can I get?
Up to 50% of your Bitcoin's current value, from a minimum of €4,000. Conservative enough to leave a wide buffer against volatility.
What happens if Bitcoin's price drops?
You receive only up to 50% of value, so the position starts with a large margin. We notify you if the ratio rises. Only in an extreme drop (around 95%) may we sell the Bitcoin held in reserve, at which point the buyback right ends — but you never owe anything beyond what you received (fees apply).
Do I have to buy my Bitcoin back?
No. The buyback is a right, not an obligation. You can exercise it any time within your term, or let it lapse with no debt and no penalty.
Is my Bitcoin safe?
Bitcoin held under a Personal loan sits in institutional-grade custody, segregated from Invity's operating funds, and is never rehypothecated while in our care.
Which currencies can I receive?
EUR, CZK or PLN, sent directly to your bank account. No stablecoins, no conversions.
Refer a friend. You both get €4 in Bitcoin and lower fees for life.
Give friends a lifetime 10% discount on service fees, you earn 33% of that fee. And when a friend completes 3 buys with any strategy, you both earn €4.
Learn how it works
Start, build, and preserve your Bitcoin wealth
Download Invity today & take control of your financial future.
How to stay safe with Turbo Buy
What happens when Bitcoin is down and you have an active Turbo Buy — how the liquidation price works, how regular buys lower your risk, and what to keep in mind.
Read more →
Referral program update. Earn Bitcoin when your friends start saving
Invity's referral program now pays €4 in Bitcoin to both of you when your invitee completes 3 transactions in any savings strategy — on top of the existing 33% fee share and 10% lifetime discount.
Read more →
April | Newsletter
Bitcoin is always open — 24/7, regardless of holidays, weather, or geopolitics. Highlights from April: Strategy overtakes BlackRock, BIP-361 controversy, conference recap, cost basis explained.
Read more →
Learn with Invity
Level up your Bitcoin knowledge
Resources for first-time buyers and long-time stackers. No hype, no price calls — frameworks and clear thinking.
Invity eBook
Broken Money and the Way Out
A 50-page guide to why money is broken — and what comes next. Free.
Frequently asked questions
FAQ
Is Invity licensed and regulated?
Yes. Invity Finance s.r.o. operates under EU financial licensing with full MiCA compliance. Your activity is protected by the same rules as any regulated financial service in the European Union.
How is Invity different from an exchange?
Invity is not a trading venue. It is an accumulation-first app designed to make buying, holding, and moving Bitcoin effortless. There are no altcoins, no leveraged products, no trading pairs — just clean flows for Bitcoin.
Who holds my Bitcoin?
You choose. Your balance is held by a regulated institutional custodian, segregated from Invity's operating funds. You can withdraw to your own hardware wallet or any Bitcoin address at any time. You can also set our Auto Send function to any address when your stack in the Invity App reaches a certain amount.
What fees does Invity charge?
Invity uses transparent per-transaction fees displayed before you confirm any purchase. There are no monthly subscriptions.
What is Turbo Buy?
Turbo Buy adds 60% extra buying power to every recurring buy. You pay a fee only on the extra. Your stack secures it — there's no debt and you can never go negative. The only Bitcoin at risk is what's inside the plan.
Which countries are supported?
Invity is available to residents of the European Economic Area as per the MiCA licence. The current list is displayed during sign-up.
Can businesses use Invity?
Yes. We offer business accounts for companies that want to hold Bitcoin on their balance sheet or offer Bitcoin-related services to their customers. See the Business Accounts page for details.
How do I contact support?
You can reach us via in-app chat or email. Support is provided by real people based in Prague, typically during European business hours.