Card
Four cards.
One account.
Every tier opens the same account and the same vaults. What changes is the metal in your pocket and the rate your money earns while it waits.
Circuit
No monthly fee
0.00%a year on stablecoins held in a vault, paid daily
Add it to your phone the moment you are approved. The virtual card works in either wallet before the metal one reaches your door.
Rates and prices shown are illustrative for this demonstration build.
Vaults. Money with a job.
Open a vault for anything you are saving toward. Move stablecoins in and they start earning the same day. Take them out whenever you like — there is no notice period, no lock-up, and no penalty for changing your mind.
Where the rate comes from.
It is worth knowing, because it explains why the rate can move.
Your money is not lent out
Nothing in your vault is lent to a borrower, staked, or rehypothecated. The balance stays yours and stays redeemable at any hour.
The reserves earn, and you get the yield
Every BYT-RON, BYT-EUR and BYT-USD is backed by cash and short-dated government paper. That reserve earns interest, and bytblock passes most of it back to you.
The rate follows the central banks
Up to 4% is not a promise. When policy rates fall, the rate falls with them. The current rate is published every day, before it applies.
Side by side.
| Circuit | Steel | Gold | Nova | |
|---|---|---|---|---|
| Monthly fee | Free | 24 RON | 59 RON | 129 RON |
| Vault rate, a year | 1.50% | 2.50% | 3.25% | 4.00% |
| Vaults | 3 | 10 | Unlimited | Unlimited |
| Mid-market exchange | 2,000 RON | 10,000 RON | No cap | No cap |
| Free ATM, a month | 400 RON | 1,500 RON | 4,000 RON | Unlimited |
| Share trading commission | 0.35% | 0.15% | 0% | 0% |
| Card | Circuit, recycled PVC | Brushed steel | Gold plated | Nova, metal |
| New markets | On release | On release | On release | First |
Pick a card.
bytblock is a working demonstration. Join the list and we will bring you in market by market, starting with the Bucharest blue chips.
Get early access