Hey PH — Gustavo here. 13 years in payments. PSPs, cross-border settlements, NFC terminals. I watched the system from the inside. The same rails that move your money also freeze it, report it, and decide who gets access. Last year a custodial app froze €1,000 of my own money for three weeks. No explanation. No recourse. That was the last time I trusted someone else with my keys. Klipbit is what I built instead. A self-custodial neobank — we never hold your funds, so we never need a banking license. No card scheme at the core. Every conversion and transfer settles on the blockchain. Your keys stay on your device. Your identity stays yours — no documents, no paperwork, no permission to use your own money. The Bitcoin Vault converts Digital Dollars to native BTC on Bitcoin Layer 1 in one tap. USDC can be frozen by its issuer. BTC on the Bitcoin network cannot. One button turns freezable money into unfreezable money. 750+ commits. Solo. Bootstrapped. No VC. Shipped on mainnet. Apple rejected the App Store listing — they require an organizational developer account for anything they classify as a "crypto wallet." We're incorporating in a crypto-friendly jurisdiction so we can launch on our terms. Until then, you're getting in through TestFlight: https://testflight.apple.com/joi... The app is free. 0.9% flat on conversions. Free transfers. Founding members get 0% fees for life and 25% on every referral — 1,000 spots starting at $250. klipbit.com/founding In Brazil, buy USDC directly with PIX. More local payment rails coming for every market. I'll be here all day (Paris time) answering questions. AMA! If you want to connect with me on linkedin, don't hesitate to say hi https://www.linkedin.com/in/gust... Freeze this.

Klipbit

A neobank on the blockchain. Your keys. No freeze.

A neobank on the blockchain. Your keys. No freeze.