Earn. Borrow. Trade.

Clapp is available to residents of the European Economic Area (EEA) and many other supported countries. During sign-up, we'll verify your identity through a quick, automated process to comply with financial regulations. We currently cannot serve residents of the United States, Cuba, Iran, North Korea, Syria, or the Crimea region. The full list of available countries is in our Terms of Service.

Absolutely. The assets in your Clapp Wallet are your property. We operate as a custodian, meaning we safeguard them for you with top-tier security, but you retain full ownership and control. You can withdraw your crypto to an external wallet or sell it anytime. We never lend out your assets without your explicit consent (like when you opt into Savings or use them as collateral for a credit line).

You can get started with almost nothing. You need just a few Euros to cover network fees for your first crypto deposit. For specific products: you can open a Flexible Savings account with just €10(or equivalent in USDC/USDT), and you can start trading with even less. Our goal is to be accessible, not exclusive.

Think of it like choosing between a high-yield checking account and a certificate of deposit (CD). Flexible Savings is for liquidity and short-term goals. You earn a great yield (e.g., 5.2% APY on EUR), your interest compounds daily, and you can withdraw any amount, anytime, with no penalty. It's your go-to for an emergency fund or cash you might need soon. Fixed Savings is for maximizing returns on money you can set aside. You lock your funds for a chosen term (1, 3, 6, or 12 months) at a guaranteed, higher rate (e.g., up to 8.2% APR). Your rate is fixed upfront and doesn't change, but early access isn't typically allowed. It's perfect for a portion of your savings earmarked for a future goal. In short: Flexible = easy access, great rate. Fixed = commit to a term, get the highest rate.

A traditional loan gives you a lump sum with fixed payments. A Clapp credit line is more like a flexible safety net. You get a pre-approved limit, but you only borrow what you need, when you need it. You pay interest only on the amount you've withdrawn, not the entire limit, and you can pay it back on your own schedule with no penalty. It's designed for ongoing liquidity, not a one-time purchase.

Instantly. If you need euros, you can withdraw from your Clapp Wallet to your linked bank account via SEPA Instant, which typically takes seconds. If you need a larger amount and don't want to sell, you can draw from your crypto credit line in seconds. There's no multi-day waiting period.

Yes, absolutely. We've built multiple layers of protection for your assets and data. Bank-level security: We partner with Fireblocks, the institutional custody leader, using advanced MPC technology to secure your assets. Fully regulated: Clapp is a registered VASP in the Czech Republic, operating under strict EU AML and compliance standards. Your funds, protected: Client assets are held in segregated accounts, separate from our own funds, and are always yours to withdraw. You're in control: Secure login, 2FA, and transparent operations give you full visibility and authority over your account. We combine top-tier crypto security with trusted financial regulation so you can manage your assets with confidence.