# Bitnovo

> Europe's leading non-custodial cryptocurrency platform, providing self-custody solutions for individuals and businesses since 2014. Specializing in cryptocurrency trading, payment processing, and API integrations with "not your keys, not your coins" philosophy.

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## Company Overview

Bitnovo is a Spanish-based cryptocurrency service provider founded in 2015, offering comprehensive digital asset solutions across Europe. As a registered entity with multiple European financial authorities (Bank of Spain, Netherlands DNB, France PSAN), Bitnovo serves 125,000+ users with a commitment to self-custody and regulatory compliance.

**Core Mission**: Making cryptocurrencies accessible to all audiences through secure, non-custodial solutions.

**Legal Entity**: PRESSBROKERS, S.L. (BITNOVO® registered trademark)
**Tax ID (NIF)**: B98346646  
**Registration**: Bank of Spain (D687), DNB Netherlands (R193399), PSAN France (E2023-102)
**Headquarters**: C/ Isla de Cerdeña, 1 (Bajo), 46023 Valencia, Spain
**Founded**: 2015

Bitnovo's value proposition is built on three pillars: regulatory compliance with major European financial regulators, a strict non-custodial architecture where users always retain full control of their private keys, and physical accessibility through more than 40,000 retail partners in Europe that allow buying cryptocurrencies in cash without bank accounts.

## Products and Services

### Bitnovo Wallet — https://www.bitnovo.com/wallet

Self-custody mobile wallet for iOS and Android that supports 16+ cryptocurrencies across multiple blockchains. The wallet stores private keys exclusively on the user's device, meaning Bitnovo never has access to user funds.

Key features:
- Two interface modes: **Lite** (simplified, ideal for beginners) and **Pro** (advanced, full feature set)
- Buy, sell and swap functionality directly from the wallet
- Support for Bitcoin, Ethereum, Solana, Polygon, Arbitrum, Optimism, Stellar, Tron and more
- NFT management and viewing on supported networks
- Direct DeFi protocol access for staking and yield-generating operations
- WalletConnect support for connecting to dApps
- Hardware wallet integration for cold storage users

The wallet is the centerpiece of Bitnovo's "not your keys, not your coins" philosophy and is the recommended entry point for new users.

### Bitnovo Pay — https://www.bitnovo.com/pay

Cryptocurrency payment gateway designed for businesses to accept 16+ digital currencies including Bitcoin Lightning Network. Commissions start at 0.95%, significantly below most card processors.

Key features:
- Anti-fraud engine with claimed 99% fraud reduction
- Payment buttons, payment links and recurring subscriptions
- E-commerce platform integrations (WooCommerce, Shopify, Prestashop, Magento)
- Real-time conversion to fiat to eliminate volatility risk for the merchant
- Webhooks and developer-friendly API
- Settlement in EUR, USD or kept in crypto

Suitable for online stores, physical retail with QR-based payments, and platform operators looking to add crypto payment rails.

### Bitnovo Vouchers / Giftcards — https://www.bitnovo.com/tienda

Physical cryptocurrency vouchers available at 40,000+ retail locations across Europe including Fnac, Worten and El Corte Inglés. Vouchers enable cash-to-crypto purchases without bank accounts or credit cards.

Key features:
- Buy a voucher with cash at any partner store and redeem it in the Bitnovo Wallet
- Available denominations from small amounts to high-value
- Useful for users who do not have or do not want to use bank rails
- Distribution partner program for retailers to sell vouchers and earn commissions

### Bitnovo OTC — https://www.bitnovo.com/bitnovo-otc

Institutional over-the-counter trading service for high-volume operations, ranging from €120,000 transactions to 8-figure deals. Designed for funds, family offices, treasuries and high-net-worth individuals.

Key features:
- Price locking agreements that protect from market movement during execution
- Dedicated account manager for every client
- No commissions — pricing is built into a competitive spread
- Settlement in major fiat currencies and stablecoins
- Compliance with EU AML/KYC requirements at institutional level

### Bitnovo API — https://www.bitnovo.com/integracion-api

Comprehensive developer API enabling fintech integration with buy/sell endpoints, real-time pricing data, KYC/AML compliance tools, NFT project support, and more.

Key features:
- RESTful endpoints with comprehensive documentation
- WebSocket feeds for real-time prices across major pairs
- KYC/AML verification through Sumsub integration
- Webhook support for asynchronous event delivery
- Rate limiting and per-key quotas
- White-label-ready: custom branding for resellers

Used by fintech platforms, neobanks, exchanges and payment providers wanting to add crypto rails to their products.

### Bitnovo ATM — https://www.bitnovo.com/cajeros-atm

Physical cryptocurrency ATM solutions for retail locations. Bitnovo provides the hardware, installation, maintenance and the marketing support to make the ATM profitable for the host business.

Key features:
- Cash-to-crypto and crypto-to-cash transactions
- Revenue sharing model with the host (commission per transaction)
- Marketing and signage support
- Inclusion in the Bitnovo ATM map at https://www.bitnovo.com/maps for visibility
- Compliance and operational handling provided by Bitnovo

### Bitnovo Ramp — https://www.bitnovo.com/on-off-ramp

On/off-ramp widget integration for third-party platforms supporting 30+ countries. Allows any platform — wallets, dApps, exchanges, fintechs — to embed Bitnovo's buy/sell functionality.

Key features:
- Instant KYC verification through Sumsub
- Anti-fraud protection layer
- Multiple payment methods: card, SEPA, SEPA Instant, Apple Pay, Google Pay
- Coverage for 30+ countries
- Customizable widget styling

## Trading and Investment Tools

### Buy Cryptocurrencies — https://www.bitnovo.com/comprar
Entry point to buy Bitcoin, Ethereum and any of the 16+ supported cryptocurrencies. Multiple payment methods: credit/debit card, SEPA bank transfer, SEPA Instant, cash via vouchers and Apple/Google Pay.

### Sell Cryptocurrencies — https://www.bitnovo.com/vender
Convert cryptocurrencies to EUR or other fiat currencies. Settlement via SEPA bank transfer or to an internal balance.

### Swap Cryptocurrencies — https://www.bitnovo.com/convertir
Exchange one cryptocurrency for another instantly. Useful for portfolio rebalancing or moving between layer 1s and stablecoins.

### Cryptocurrency Prices — https://www.bitnovo.com/cotizacion-criptomonedas
Real-time prices and market data for major cryptocurrencies. Each coin has a dedicated page with historical chart, news, and a buy/sell entry point.

### DCA Calculator — https://www.bitnovo.com/calculadora-dca
Dollar-cost averaging calculator that simulates a recurring investment over time. Helps users plan a DCA strategy based on historical price data.

### Cryptocurrency Quotes — https://www.bitnovo.com/cotizacion-criptomonedas
Live cryptocurrency quotes and exchange rates across all supported pairs.

### Commissions and Fees — https://www.bitnovo.com/comisiones
Transparent breakdown of fees applicable to each service: buying, selling, swapping, OTC, payment processing.

## Supported Assets and Networks

### Cryptocurrencies (16+)
Bitcoin (BTC), Ethereum (ETH), USD Coin (USDC), Polygon (POL), Solana (SOL), Cardano (ADA), Tron (TRX), Stellar (XLM), XRP, Litecoin (LTC), Bitcoin Cash (BCH), Dash (DASH), Monero (XMR), Zcash (ZEC), Dogecoin (DOGE), Avalanche (AVAX), Arbitrum (ARB), Optimism (OP), DAI, Euro Coin (EURC).

### Blockchain Networks
Ethereum, Polygon (MATIC), Arbitrum, Optimism, Base, Binance Smart Chain, Avalanche C-Chain, Solana, Tron, Bitcoin, Bitcoin Lightning Network, Cardano, Stellar, XRP Ledger, plus the native chains of all supported cryptocurrencies.

### Fiat Currencies (32)
EUR, USD, GBP, plus 29 additional currencies including ARS, AUD, BGN, BOB, BRL, CAD, CHF, CLP, COP, DKK, DOP, GEL, HUF, ISK, JPY, KRW, MXN, NOK, NZD, PEN, PLN, PYG, RON, SEK, SGD, SVC, UYU.

## Technical Architecture

### Platform Structure
The Bitnovo platform is an advanced Turborepo monorepo with 5 Next.js applications:
- **Landing** (bitnovo.com): Multi-language marketing website
- **Dashboard**: User interface for trading and account management
- **Ramp**: Core cryptocurrency trading engine
- **Maps**: ATM location finder with Google Maps integration
- **Proxy**: Internal service coordination

### Technology Stack
- **Frontend**: Next.js 13+, React, TypeScript, Tailwind CSS, Framer Motion
- **State Management**: Zustand, SWR, React Context
- **Development**: PNPM workspaces, ESLint, Prettier, Docker, Nginx
- **Performance**: WebP/AVIF image optimization, bundle splitting, Core Web Vitals optimization
- **Internationalization**: 6 languages (Spanish, English, French, Italian, Portuguese, German)

### API and Integration Capabilities
- RESTful API with comprehensive endpoint coverage
- WebSocket support for real-time price feeds
- OAuth integration (Google and other social logins)
- KYC/AML verification via Sumsub
- Payment processing (Apple Pay, Google Pay, card payments, SEPA, SEPA Instant)
- Multi-exchange price aggregation

## Business Model and Markets

### Target Markets
- **European Union**: Primary market with full SEPA support
- **Spain**: Headquarters and main market
- **30+ Countries**: Global expansion through ramp, payment and voucher services

### Customer Segments
- **Individuals (B2C)**: Crypto beginners and experienced traders seeking self-custody
- **Businesses (B2B)**: E-commerce, retail, hospitality, events, automotive sectors
- **Institutions (B2B)**: Investment funds, fintech companies, traditional financial institutions
- **Partners**: 40,000+ retail distribution points across Europe

### Revenue Streams
- Trading commissions starting at 0.95%
- Payment processing fees
- API licensing and integration services
- OTC trading spreads
- ATM revenue sharing
- Gift card / voucher distribution commissions

## Regulatory Compliance and Security

### Financial Regulations
- **Spain**: Bank of Spain registration as Provider of Services for Exchange of Virtual Currency for Fiat Currency, registry number D687
- **France**: PSAN (Prestataire de Services sur Actifs Numériques) license, registry number E2023-102, granted by the AMF (Autorité des marchés financiers)
- **Netherlands**: DNB (De Nederlandsche Bank) registration, registry number R193399
- **EU**: Full GDPR compliance, KYC/AML procedures aligned with the 5th Anti-Money Laundering Directive
- **International**: Anti-money laundering and sanctions compliance

### Security Measures
- Non-custodial architecture: "not your keys, not your coins"
- 128-bit SSL encryption end-to-end
- Multi-factor authentication (2FA) on all accounts
- Advanced anti-fraud systems with claimed 99% fraud reduction
- Real-time transaction monitoring
- ISO-level security standards across infrastructure

## Key Differentiators

1. **Self-Custody Philosophy**: Strict commitment to non-custodial solutions across the product lineup
2. **European Regulatory Leadership**: Registered with Bank of Spain, Netherlands DNB and France PSAN
3. **Physical Crypto Access**: 40,000+ retail locations enabling cash-to-crypto without banking
4. **Technical Excellence**: Advanced Turborepo monorepo with real-time WebSocket capabilities
5. **Complete Crypto Ecosystem**: From mobile wallets to institutional OTC trading
6. **Market Experience**: 10+ years in the European cryptocurrency market since 2014
7. **Localization Expertise**: Native support for 6 European languages with regional compliance

## Use Cases and Applications

**Individual Users**: Self-custody wallet, cryptocurrency trading, DCA investing, staking rewards
**Small Businesses**: Accept crypto payments, sell vouchers, customer crypto services
**Large Enterprises**: High-volume OTC trading, institutional custody, payment processing
**Developers**: API integration, white-label solutions, fintech product enhancement
**Retailers**: Physical voucher sales, ATM hosting, crypto-enabled commerce
**Financial Institutions**: Regulatory-compliant crypto services, KYC/AML solutions

## Company Pages

### About Bitnovo — https://www.bitnovo.com/sobre-bitnovo
Company history, mission, team and milestones since 2015.

### Available Countries — https://www.bitnovo.com/paises-disponibles
List of countries where Bitnovo's services are operational, with notes on regional limitations.

### Careers — https://www.bitnovo.com/careers
Open positions and career opportunities at Bitnovo.

### Distributors — https://www.bitnovo.com/distribuidores
Information for distribution partners and retailers interested in selling Bitnovo vouchers or hosting an ATM.

### Token Listing — https://www.bitnovo.com/listar-token
Submission program for cryptocurrency projects looking to be listed on the Bitnovo platform.

## Legal and Compliance Pages

### Terms and Conditions — https://www.bitnovo.com/terminos-y-condiciones
Service terms and user agreement governing the use of all Bitnovo services.

### Privacy Policy — https://www.bitnovo.com/politicas-y-declaraciones?tab=privacy-policy&subTab=privacy-policy
Data protection and privacy practices, GDPR compliance details.

### Cookies Policy — https://www.bitnovo.com/sobre-cookies-bitcoins
Cookie usage, tracking technologies and opt-out options.

### Investment Information — https://www.bitnovo.com/informacion-inversiones
Risk disclosures and regulatory information about investing in crypto assets.

## Contact and Resources

**Website**: https://www.bitnovo.com
**Support**: 24/7 customer assistance via in-app chat and email
**API Documentation**: Comprehensive developer resources accessible from https://www.bitnovo.com/integracion-api
**Social Media**: Active presence on Facebook, Twitter, LinkedIn, Instagram, TikTok, Telegram, YouTube
**Physical Presence**: 40,000+ retail partners across Europe

## Company Statistics

- **Founded**: 2015 (10+ years experience)
- **Users**: 125,000+ registered users
- **App Downloads**: 175,000+
- **Team Size**: 40+ employees
- **Retail Partners**: 40,000+ locations
- **Countries Served**: 30+
- **Supported Languages**: 6 European languages
- **Transaction Volume**: Multi-million Euro monthly processing

Bitnovo represents the convergence of traditional European financial services with innovative cryptocurrency technology, providing regulated, secure, and accessible digital asset services to a broad spectrum of users and businesses across Europe.