Klipbit

Freeze this.

Your money.
Your rules.

Create your account in seconds. Hold Digital Dollars and Bitcoin in your own vault. No KYC, no paperwork, no freezing.

Early Access — Free
Founding Members0% fees forever from $250Klipbit - A neobank on the blockchain. Your keys. No freeze. | Product Hunt
Send & receiveBitcoin VaultNo KYCAccount in secondsNo paperworkPrivacy by designYou control~$0.01 per transaction
Klipbit home screen
Merchant accepting payment via phone
Pay

Sell in naira.
Receive in USDC.

Set your price in naira. The customer pays the equivalent in Digital Dollars. No POS terminal, no card fees, no bank in between.

Price in ₦, settle in USD

You enter ₦50,000. The customer pays the equivalent in Digital Dollars. Automatic.

No POS needed

Customer scans, you receive. Faster than bank transfers.

Accept from anyone

No intermediary, no currency exchange, no waiting.

Dollarize your business

Protect your revenue from naira devaluation. With Klipbit, any merchant can receive Digital Dollars — no domiciliary account needed.

What are Digital Dollars?

Digital Dollars (USDC) are backed 1:1 by US dollars in audited reserves. Stable, global, and yours — no naira volatility.

Buy and sell stablecoins with local payment methods.

Convert between naira and Digital Dollars. Transparent fees. No hidden spreads. Self-custodial — your money, your control.

Instant settlement — faster than bank transfers

Transparent fees shown before you confirm

Self-custodial — funds go directly to your account

Person securely holding Bitcoin on their phone
Vault

Your Bitcoin. Your vault.
Your control.

Since Klipbit doesn't hold your keys, neither we, nor any government can freeze your funds.

Keys on your device

Generated on your phone, they never leave it.

Only you control

Klipbit doesn't store, access, or freeze.

Built-in swap

USDC to BTC in one tap. 0.9% + network fee.

“Banks freeze accounts. Exchanges get hacked. Your vault is yours alone — protected by keys only you hold.

Private keys on your device · Only you control · Security by design

ChainHop

The Anti-Freeze.

One tap. Freezable USDC enters. Unfreezable Bitcoin exits. Different chain. Different rules.

1

Buy Digital Dollars

Purchase USDC on any exchange or directly in the app. Same value as USD, backed by US Treasuries.

2

One-tap Vault sweep

Hit the Vault button. Chainflip converts your USDC to native Bitcoin on the Bitcoin network. 0.9% fee.

3

Bitcoin arrives. Unfreezable.

Real BTC in your self-custodial wallet. Not wrapped. Not custodial. Your keys, your Bitcoin, unfreezable.

Why it's called the Anti-Freeze: Digital dollars (USDC/EURC) can be frozen — Circle, the issuer, has frozen accounts before. Governments can request freezes. Exchanges can block withdrawals. Bitcoin on the Bitcoin network, in your self-custodial wallet, cannot be frozen by anyone. No company, no government, no court order can touch it. ChainHop converts one to the other. One tap. Different chain. Different rules.

Native BTC (not wrapped)Chainflip protocol0.9% flat feeUnfreezable

First consumer-grade one-click chain hop. A Klipbit feature. Powered by Chainflip cross-chain protocol.

Self-Custody

Other exchanges hold your Bitcoin. With Klipbit, you hold it yourself.

Every major platform keeps your Bitcoin in their vault, not yours.

RevolutCoinbaseKlipbit
CustodyThey holdThey holdYou hold
Can freeze fundsYesYesNo
KYC requiredYesYesNo
Withdraw BTCNoYes (fees)Free
BTC DCA fee~1.5%~1.5%0.9%
Your keysNoNoYes

Data from official product pages as of March 2026. Revolut does not allow BTC withdrawals to external wallets.

Security

No server to breach.

Self-custodial means there’s no central vault to break into. Your keys live on your device, encrypted by hardware-backed security, protected by your face or fingerprint.

Your keys, your device

Your seed phrase is generated on your phone and stored in the secure enclave. We never see it.

No dApp browser

No malicious site can trick you into signing away your tokens. The attack vector doesn't exist.

No arbitrary tokens

Bitcoin and regulated stablecoins only. No scam coins, no rug pulls, no token approvals.

Locks when you look away

Biometric authentication to open the app. Auto-locks the moment you switch away.

Unlike wallets with dApp browsers, Klipbit has no way to connect to malicious smart contracts. Smaller attack surface by design.

How we protect your keys

  • Encrypted at rest — Your recovery phrase is stored using AES-256 encryption via iOS Keychain (Secure Enclave) or Android Keystore (TEE/StrongBox). We never see it.
  • Zeroed after use — Private keys are loaded into memory only during transaction signing and wiped immediately after. The exposure window is milliseconds.
  • No server, no database — Your keys exist only on your device. There is no server to breach, no database to leak, no employee who can access them.
  • Honest limits — No mobile wallet — including Phantom, Trust Wallet, or BlueWallet — can protect against a fully compromised (jailbroken/rooted) device. This is an OS-level limitation, not a Klipbit one. For maximum security, use a non-jailbroken device and keep your OS updated.
Real Cost

What does Bitcoin really cost?

Exchanges show you a fee. The real cost is what you lose in freedom.

KlipbitCoinbaseRevolut
You receiveUSDC (digital dollar)BTC (custodial)BTC (custodial)
Buy USDC~0.5%*
Convert to BTC0.9% (Vault)includedincluded
Estimated total~1.4%~1.5%~2.5%
Immediate self-custodyYesMust withdrawNo withdrawal
KYC on BitcoinNoYesYes
Exchange knows your BTCNoYesYes
Can freeze your BTCNoYesYes
Tax reporting on BTCNothing to reportReportedReported

* USD → USDC is near 1:1 (dollar parity). Already have USDC or EURC on Coinbase or another exchange? Send it to your Klipbit wallet — you'll only pay 0.9% to convert to Bitcoin.

USDC vs traditional dollars: On Klipbit you hold USDC — a digital dollar pegged 1:1 to the US dollar, issued by Circle and backed by US Treasuries. Same value, no government in the middle. Coinbase and Revolut know exactly how much Bitcoin you own. Your government does too. They can freeze it tomorrow. On Klipbit, the payment provider sees you bought digital dollars. That's it. What you do next is between you and your wallet. Example: Flying internationally with $10,000+ in cash? You must declare it at customs. $100,000 in USDC on your phone? Nobody knows.

How it works

Three steps. Zero paperwork. Bitcoin that's actually yours.

1

Buy Digital Dollars

By card in the app (~0.5%) — or send your USDC/EURC from any exchange for free.

2

Sweep to your vault

One tap in your Vault. USDC or EURC converts to native Bitcoin on the Bitcoin network. 0.9% fee, no custodial BTC.

3

It's your Bitcoin. Period.

Your keys live on your phone. No platform can freeze, block, or seize your funds. Nobody knows how much you hold.

Estimated rates as of March 2026. Card purchase fees depend on the selected provider. Klipbit's 0.9% fee applies to the Bitcoin conversion (Vault sweep).

Your digital account awaits

Hold Bitcoin in your vault. Send Digital Dollars for free. Available now.

Android coming soon. Leave your email and we'll let you know.

Bitcoin is a volatile asset. Educational content, not financial advice.

Klipbit provides access — you maintain full control of your assets.

Founding Members

0% Klipbit fees.

Pay once, save forever. From $250 · 1,000 spots · 0% fees forever

See spots