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Lightyear Europe AS

Lightyear Europe AS · Estonia
Key points
Official sourceUnclaimedMiCA-licensed · Estonia
🌐 Website
Summary
01OverviewRegulatory status: MiCA-licensed or not, since when→02Services & AccessibilityWhat the app actually offers, as badges→03How much it costsTransfer, card, spread and withdrawal, in euros→04Security & custodyWhere your funds are, what recourse you have→05What to know before you startSpecifics, anomalies and affiliation→06Frequently asked questionsAnswers drawn from our verified data→

01Overview

The company

Headquarters
🇪🇺 Estonia
Founding date
2020
Team size
50-249
Trustpilot
4,7/5 →

Regulation

Regulatory licences
MiCA licence, notified on 17/11/2025
Licensing authority
Estonian Financial Supervision Authority (EFSA)
Registered services
  • Custody
  • Order execution
  • Reception and transmission of orders
Register consulted
Consult the register → · verified on 23/08/2026

Lightyear is a European multi-asset neo-broker that added crypto to its offer in 2026. Users can buy and sell a selection of spot crypto-assets from the same app as their shares, ETFs and bonds, with market orders, limit orders and recurring investments. The offer is aimed mainly at investors wishing to centralise several asset classes in a single account, with no external wallet features.

02Services & Accessibility

Concrete product features, distinct from the legal scope of the licence (block 01).

Simple purchase (Simple-Buy)Integrated walletStakingCrypto cardP2P marketFuturesOptionsMargin tradingFrench-language supportInstant verification (KYC) : to be verified

Available cryptos: 12

See the list

Detailed list of cryptos available for purchase: coming soon.

Accessibility

As a broker, Lightyear Europe AS suits some use cases more than others.

Minimum deposit: not disclosedMobile appNo withdrawal to personal walletAutomatic DCADedicated pro interface: not disclosed

Mandatory custody: no withdrawal to a personal wallet.

Available in Austria, Belgium, Bulgaria, Croatia, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain, Sweden.

03How much it costs

Deposit
SEPA transfer0 %
Card0,6 %

+ 0,35 % currency conversion

Trading
0,45 %
published spread
Recurring buy (DCA)0,45 %
Holding

No known holding fees

Exit

not disclosed

Blockchain network fees always excluded (identical for everyone, not set by the platform).

Lightyear Europe: crypto commission of 0,45 % per order, with no additional spread/mark-up claimed. This commission is independent of the funding method. Recurring investments use the same 0,45 % commission. EUR funding: SEPA = 0 %; card/Apple Pay/Google Pay = 0,60 %. Currency conversion = 0,35 %. Crypto custody: 0 %. No incoming/outgoing crypto transfers currently.

Fee source: https://lightyear.com/fr-fr/pricing · verified on 26/08/2026
Simulate your own scenario (amount, duration, purchase method) with the fee simulator. Simulate your case →

04Security & custody

Lightyear Europe AS holds crypto-assets on behalf of the client in custody arrangements; the client remains the owner of the assets. Most are stated to be in cold storage and a small portion in hot wallets for operations. Lightyear uses Kraken as crypto broker/executor. No personal crypto wallet is assigned to the client.

05What to know before you start

Multi-product account shares/ETFs/bonds + spot crypto. Crypto launched on 12/05/2026, 12 assets (BTC, ETH, SOL, XRP, ADA, LTC, DOGE, LINK, SUI, TAO, UNI, HYPE), quoted in EUR/USD 24/7. Market and limit orders and recurring investments; cryptos can be included in Plans. Personal and business accounts eligible (LEI mandatory for companies). Execution via Kraken, Lightyear custody, but no personal wallet and no external on-chain transfers.

Compensation transparency: affiliate partnership with Lightyear Europe AS: À l'étude. A partnership has no influence on ranking or the default sort order (see Methodology).

06Frequently asked questions

Is Lightyear Europe AS licensed under MiCA?

Yes. Lightyear Europe AS is licensed as a crypto-asset service provider (CASP) under the MiCA regulation. Competent authority: Estonian Financial Supervision Authority (EFSA), Estonia. Notification to the ESMA register: 17/11/2025. A MiCA licence works as a passport: it allows the provider to operate across the entire European Union.

How much does it cost to buy bitcoin on Lightyear Europe AS?

For €100 of bitcoin bought by SEPA transfer, the total cost is 0,45 €, spread included and network fees excluded (Uncrypt €100 index). Fees checked on 26/08/2026 against the official fee schedule.

How many cryptos can you buy on Lightyear Europe AS?

12 crypto-assets are available on Lightyear Europe AS.

Can you withdraw your crypto from Lightyear Europe AS to your own wallet?

No, Lightyear Europe AS does not let you withdraw your crypto-assets to a personal wallet: they remain held by the platform.

Can you stake crypto on Lightyear Europe AS?

No, Lightyear Europe AS does not offer staking.

Can you schedule recurring purchases (DCA) on Lightyear Europe AS?

Yes, Lightyear Europe AS lets you schedule recurring purchases (DCA).