Comparison

Deblock vs Bitstack

Self-custody, multi-asset crypto vs automatic Bitcoin savings: what really sets them apart.

Bitstack and Deblock start from different angles: one is a French Bitcoin-savings app (automatic DCA and round-ups), the other a multi-asset, crypto-native account where you hold your keys. Both are French and MiCA-approved. Here's an honest, dimension-by-dimension comparison.

Side by side

DeblockBitstack

Crypto: who holds the keysDeblock · Non-custodial by default: you hold your keys and withdraw freely to your own wallet.Bitstack · Custodial: Bitcoin is held via BitGo, but withdrawing your BTC to an external wallet is possible (free above ~50,000 sats).

Account + cardDeblock · European IBAN + Visa card, designed as a full everyday account.Bitstack · Visa card with 1% cashback paid in Bitcoin and an associated euro account, but it's primarily a Bitcoin-savings product.

Automatic Bitcoin savingsDeblock · Crypto purchases are available, but no dedicated automated savings engine.Bitstack · The simplest way to stack Bitcoin: scheduled DCA, purchase round-ups and BTC cashback.

Remunerated eurosDeblock · 4% option via EURCV (SG Forge tokenised euro) deployed in DeFi on Morpho, opt-in and on-chain verifiable (not guaranteed).Bitstack · No interest on the associated euro account.

Multi-crypto vs Bitcoin-onlyDeblock · Several cryptocurrencies available in one app.Bitstack · Bitcoin only — a deliberate focus on BTC.

Best forDeblock · Truly owning your crypto (multiple assets) with an everyday account and card, plus the 4% option.Bitstack · Stacking Bitcoin simply and automatically, with a card that pays back in BTC.

The real difference: multi-crypto self-custody vs Bitcoin savings

This is what separates the two apps most. With Deblock, your crypto is self-custodied (non-custodial) by default: you hold your keys and can move them to your own wallet whenever you want, across several cryptocurrencies — "not your keys, not your coins" doesn't apply. Bitstack is a savings product focused on Bitcoin: your BTC is held via BitGo (custodial), even though withdrawing to an external wallet is possible (free above ~50,000 sats). Two philosophies: multi-asset control on one side, simple BTC stacking on the other.

What Bitstack does better

To be fair: Bitstack is the simplest way to stack Bitcoin automatically. Its scheduled DCA and purchase round-ups do the work for you, its Visa card pays 1% cashback in Bitcoin, and the app is French and MiCA-approved — one of the first to be so in France. If your single goal is to stack BTC effortlessly, its experience is built for that, where Deblock aims at a broader use.

Who Deblock is the best choice for

Deblock is for people who want to truly own their crypto in self-custody, across several assets (not just Bitcoin), while keeping a current account and card for everyday life, plus the transparent 4% option on euros. If control of your keys, multi-crypto and a fuller account matter more than automated BTC saving, Deblock is the more aligned option.

Frequently asked questions

Deblock or Bitstack for crypto?

To truly own your crypto across several assets, Deblock: self-custody leaves you the keys and free withdrawals. Bitstack focuses on Bitcoin and holds it via BitGo (custodial), with withdrawal to an external wallet possible, but it stays a BTC-savings app.

Can you withdraw your Bitcoin from Bitstack?

Yes: even though Bitstack is custodial (BTC held via BitGo), you can withdraw your Bitcoin to an external wallet, free above ~50,000 sats. With Deblock, self-custody is the default, across several cryptocurrencies.

Are euros remunerated?

With Bitstack, the associated euro account pays no interest: it's a Bitcoin-savings product. Deblock offers a 4% option via EURCV deployed in DeFi (Morpho), opt-in and on-chain verifiable. It is not a guaranteed return.

Which ones are regulated?

Both, and both are French. Bitstack is one of the first French apps with MiCA approval. Deblock is registered as a PSAN with the AMF, under ACPR supervision, within the MiCA framework.

The verdict

If you want to own your crypto across several assets with an everyday account and the 4% option, Deblock. If you mainly want to stack Bitcoin simply and automatically with a card that pays back in BTC, Bitstack. Some users combine both.

Ready to try Deblock?

Open a Deblock account

Independent comparison, for information only. Information accurate as of 2026 and subject to change — check each service's official terms. Guide-deblock.com is independent and not affiliated with Bitstack.