Clapp Finance is a newer Europe-focused crypto fintech platform combining crypto savings accounts, euro banking features, trading, and crypto-backed credit lines into a single mobile-first experience. Founded in 2025 and headquartered in Prague, Czech Republic, the platform positions itself like a “crypto banking app.”

The platform offers flexible savings accounts with crypto yields for stablecoins, ETH and BTC.

Clapp says flexible savings products compound daily and allow instant withdrawals, while fixed-term products (up to 12 mohths) offer higher rates.

One of the more interesting features is Clapp’s revolving crypto credit line product. Instead of traditional fixed crypto loans, users can borrow against deposited collateral and only pay interest on the amount used.

Supported collateral includes BTC, ETH, SOL, BNB, LINK, and stablecoins, with borrowing available in EUR and stablecoins like USDC and USDT.

Clapp also integrates:

• SEPA euro banking rails
• crypto swaps/trading
• portfolio management
• multi-collateral borrowing
• crypto savings products inside one interface
• Fireblocks infrastructure
• EU VASP compliance

Considerations

• Emerging platform with limited long-term track record
• Not clearly available to U.S. users

Overall, Clapp Finance is an interesting entrant in the growing crypto banking category, particularly for European users looking for a streamlined mix of yield, euro banking, and crypto-backed borrowing in a single app.