Quick take

Clapp Finance is a Europe-focused crypto banking app from Prague, founded in 2025. It combines crypto savings, euro banking over SEPA, swaps, and a revolving crypto credit line in one mobile-first account. It is a young platform with a short track record, and product access varies by jurisdiction, including for U.S. users.

How earning works

Clapp offers flexible savings on stablecoins, ETH, and BTC, plus fixed-term savings running up to 12 months. Flexible savings compound daily and allow instant withdrawals; fixed terms pay more in exchange for locking the balance. Yield comes from Clapp's savings products rather than native staking, so your return depends on the platform's terms and its use of deposited assets. The same account also holds a credit line: you borrow against deposited collateral and pay interest only on the amount you actually draw.

Rates, fees, and requirements

Current savings rates are in the table above; the top rates sit in the fixed terms, so check what the flexible account pays before assuming the headline applies to you. Trading runs at a 0.5% maker fee and 0.5% taker fee, and withdrawals carry network fees. On the credit line, the borrowing cost depends on your loan-to-value: lower LTV borrowing is cheaper, and the maximum LTV runs up to 90% depending on the asset, with BTC capped lower, at up to 70%. Supported collateral includes BTC, ETH, SOL, BNB, LINK, and stablecoins, and you can borrow in EUR, USDC, or USDT. Confirm your country's eligibility per product, since access varies by jurisdiction.

Custody and key risks

Clapp is custodial: you rely on the platform and its custodians, including Fireblocks infrastructure, for asset access. That introduces custody and counterparty risk. Product returns and withdrawal conditions can change, and borrowing against collateral introduces liquidation risk if collateral values fall. Clapp operates under EU VASP compliance, but crypto earn products are not insured bank deposits. The platform only launched in 2025, so there is limited history to judge it by.

Related features

Beyond savings and the credit line, Clapp integrates SEPA euro banking rails, crypto swaps and trading, portfolio management, and multi-collateral borrowing inside one interface. The pitch is a single app for holding euros and crypto side by side.

Best for

Best for European users who want yield, euro banking, and collateral borrowing in one app, and who are comfortable using a platform that only launched in 2025. U.S. users should confirm product-by-product eligibility first.