How do you get paid? Same work, same invoices, wildly different cost. 🪙

12 invoices a year at $2,000 each. Here's what each payment method quietly takes from you:

• SWIFT: $1,000 to $2,200 a year in wire fees, correspondent cuts, and FX markup buried in the rate.

• PayPal: around $1,400. Arrives fast, so you never notice the 2.9% plus the hidden exchange spread.

• Wise: roughly $80. Mid-market rate, everything shown upfront. Clean, but no crypto and no yield.

• USDC: around $12. Under $1 per transfer, settles in seconds, no banks in the middle. The catch is your client needs to be set up for it.

🎯 Brighty gives you all of it in one account. Named IBAN for SEPA and SWIFT, USDC wallet for crypto-paying clients, up to 10% APY on USDC while it sits between projects.

You pick the rail. Not your bank.

The history of money is speeding up. We are living through the fastest financial transition in human history 🌐

🟡 If you're still relying entirely on legacy banking infrastructure, you're using technology built for a slower world. The future belongs to those who adapt to borderless, instant, and decentralized systems.

Where do you think money is heading in the next 5 years?

How long has that money been sitting there doing nothing?

🐷 A current account pays somewhere around 0.5% a year. After inflation, the balance is getting smaller while you're not looking at it.

The same money in USDC on Brighty earns up to 10% APY through Aave. Withdraw any time, no lock-up.

Anyway, back to your day 👀

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Here’s another Brighty review, this time from Italy.

Marta moved to Italy and now runs euros and stablecoins from one app. Pretty neat, right? 😊

It’s time to get rid of some bad financial habits

Keeping euros in one app and crypto in another, for a start. Or leaving a balance idle while inflation is working against it.

🏦 Brighty holds both sides in one account. USDC earns up to 10% APY through Aave with no lock-up, and the card spends from whichever balance you choose.

The full list is in the picture from us.

How many apps is your money spread across right now?

🪙 Brighty gives you named accounts in euros, dollars and pounds, all in one place. Incoming SEPA and Faster Payments transfers are free on every plan.

Organizing takes one afternoon and saves you the rest of the year 👍

Reminder: your profile link is also a way to get paid.

Tap Share profile and send the link to whoever owes you money. It opens in their browser, whether or not they have Brighty installed 🛫

From there they scan a QR code and send crypto from the wallet they already use, USDC included. The amount and address come pre-filled, and the code expires on a timer rather than hanging around.

Nothing for them to set up, and no explaining what Brighty is 🔗

Three plans, and the free one is a real account rather than a trial 🗺

🟠 One costs nothing. A virtual card, 0.5% cashback on eligible purchases, and currency exchange at 0.6%.

🟠 Plus is €9 a month. A physical card plus two virtual ones, higher cashback in selected categories, and €2,000 a month exchanged with no fee.

🟠 Pro is €18 a month. Five cards in total, up to 1.75% cashback in selected categories, and €5,000 a month exchanged with no fee.

Named accounts in euros, dollars and pounds come with all three, and incoming SEPA and Faster Payments transfers cost nothing on any of them.

Start on One and move up when the numbers say so.

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🥊 SELECT YOUR FIGHTER: three financial builds for this season.

• Broke Luxe-Spender — €3,880 spent, balance at −€780. Three niche perfumes, eight Glovo orders and a weekend in Ibiza. Passive ability: ignores every push notification from the bank.

• The Accountant Friend — €261. Thirty days of meal prep in the freezer, one kebab as a cheat meal, and a bicycle instead of a transport pass. Sitting on €1,500 in cold storage.

• AI Bro — €468, balance €0.00. It all went to API tokens and a course promising founder status in two hours. Hasn't been outside since the subscriptions renewed.
Full stat sheets are in the picture. Forward it to whoever you just recognized.

Spend September from one account.

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Most of this is admin, not mindset 🧾

Checking what a transfer costs takes about four seconds before you send it ⏱️ Plenty of people check afterwards instead, from the statement, usually on a Thursday when it's far too late to care.

💱 Currency works the same way. Pay in euros from a euro balance, and nothing happens to the amount. Or pay in euros from a dollar balance, and you've converted twice without meaning to.

Then there's the money you're saving for something. It doesn't have to sit next to the money you're spending, where it tends not to last. On Brighty it can go into an Earning Vault, which holds USDC through Aave, pays out daily and lets you pull it back whenever you want.

Give the savings their own corner 🏦

€14,424 a year makes you top 10% in Romania. In Luxembourg you'd need €98,594 💼

We pulled this year's Eurostat numbers for twelve countries. All of them are income after tax.

The full list is:

• Luxembourg €98,594
• Austria €62,344
• Denmark €62,274
• Netherlands €57,601
• Germany €54,971
• France €49,381
• Italy €41,656
• Spain €39,385
• Portugal €29,122
• Czechia €25,390
• Poland €23,970
• Romania €14,424

Find your country and see how far off you are.

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Brighty is going to SiGMA World in Rome 🇮🇹

📍 November 3 to 5, Fiera Roma. SiGMA World brings more than 30,000 people from gaming, payments and tech, with conference stages and a 100,000 square metre exhibition floor.

This time we’ll have our own stand H7-7100, and the Brighty team will be there to talk about business accounts that hold euros and stablecoins side by side 🪙

Want to meet in Rome? Message Angelina.

Telegram | LinkedIn
Email: angelina@brighty.app

See you.

One of these four is you. Sorry in advance 🤭

• The Saver has €4,200 and a jacket that's been in the basket since September.
• The Spender is down to €14 by the 9th and had a great three days getting there.
• The Investor has 46 price alerts and sleeps in four-hour blocks.
• The Chaos has five money apps and found €200 in one of them last week.

🔗 Download Brighty

Here's what we're bringing to SiGMA World 🇮🇹

📍 November 3 to 5, Fiera Roma, stand H7-7100

Everyone who stops by can get 3 months of Brighty Premium on us 🎁 Scan the QR code on the stand and fill in a short form, and we'll send your personal activation link after the event.

For businesses, we’ll be talking about named IBANs and fiat and stablecoin settlements for PSPs 🏦

If you'll be there, come say hi. If you won't, we'll show you everything here.


To book a meeting, message Angelina.
Telegram | LinkedIn
Email: angelina@brighty.app