# Clapp

> Clapp is an all-in-one crypto & Euro account where you can earn, borrow, and trade. Get a personal Euro IBAN with SEPA Instant, borrow cash against crypto from 0% APR without selling, earn daily-compounding yield on EUR, stablecoins, BTC and ETH, and swap 100+ assets directly from your wallet.

Clapp is operated by AlphaEX s.r.o. (Czech business ID 17805791, Prague, Czech Republic), a registered Virtual Asset Service Provider (VASP) supervised for AML/CFT by the Financial Analytical Office (FAU). AlphaEX s.r.o. has applied for authorization under Regulation (EU) 2023/1114 (MiCA) and currently operates under the Czech national transitional regime for crypto-asset service providers, pending a decision. Digital assets are secured with Fireblocks MPC (Multi-Party Computation) custody, and client funds are held in segregated accounts.

Availability: residents of the European Economic Area (EEA) and other supported countries. Not available to residents of the United States, Cuba, Iran, North Korea, Syria, or the Crimea region.

Important: Crypto-assets are high risk and highly volatile; you can lose all invested funds. Crypto-assets are not legal tender and are not covered by deposit guarantee or investor compensation schemes. Advertised rates are indicative "up to" figures and are not guaranteed.

## Products

- [Credit Lines](https://clapp.finance/credit-line): Crypto-backed credit line from 0% APR at low LTV. Borrow only what you use, no fixed repayments, no forced liquidation at healthy LTV, multi-collateral (BTC, ETH and more).
- [Corporate Credit Line](https://clapp.finance/corporate-credit-line): Bespoke liquidity for corporate treasuries and funds, with rates from 1% APR.
- [Fixed Savings](https://clapp.finance/fixed-savings): Lock assets for 1, 3, 6 or 12 months at a guaranteed rate (up to 8.2% APR on EUR/stablecoins, up to 5% APR on BTC). Minimum deposit $250. Interest compounds daily.
- [Flexible Savings](https://clapp.finance/flexible-savings): Earn daily-compounding yield (up to 5.2% APY on EUR/stablecoins, 3.2% APY on BTC) with no lockup; withdraw anytime. Minimum deposit $10.
- [Wallet](https://clapp.finance/wallet): Personal EUR IBAN issued in your name, SEPA Instant deposits and withdrawals 24/7, zero-fee funding, one-tap EUR-to-crypto on/off ramp.
- [Exchange](https://clapp.finance/exchange): Swap 100+ crypto assets directly from your wallet with deep liquidity, smart routing and low transparent fees.
- [Portfolios](https://clapp.finance/portfolio): Build or pick expert-curated portfolios (e.g. DeFi Blue Chips) with one-tap diversification, auto-rebalancing and real-time P&L analytics.
- [Time Machine](https://clapp.finance/time-machine): Backtest any portfolio strategy against years of real historical market data before investing.

## Company

- [Team](https://clapp.finance/team): The people behind Clapp — a blend of fintech and crypto experts.
- [Security](https://clapp.finance/security): Fireblocks institutional-grade MPC custody, asset segregation, and EU AML compliance.
- [Blog](https://clapp.finance/blog): Practical guides, market deep dives, and strategies for getting the most from Clapp products.
- [Referral](https://clapp.finance/referral): Invite friends and earn rewards together.
- [Help Center](https://help.clapp.finance): Support and how-to documentation.

## Legal

- [Terms and Conditions](https://clapp.finance/terms-and-conditions)
- [Privacy Policy](https://clapp.finance/privacy-policy)
- [AML Statement](https://clapp.finance/aml-statement)
- [Website Disclaimer](https://clapp.finance/website-disclaimer)
- [Crypto Credit Line Terms](https://clapp.finance/credit-line/terms)
- [Savings Terms & Conditions](https://clapp.finance/savings-terms-and-conditions)

## Optional

- [Buy crypto pages](https://clapp.finance/buy/btc): Per-asset buy guides for 300+ tokens (e.g. /buy/btc, /buy/eth, /buy/usdt).
- [Exchange pairs](https://clapp.finance/exchange/btc-eth): Per-pair swap pages (e.g. /exchange/btc-eur, /exchange/eth-usdc).