About us
Blackcat is a European fintech brand designed for you earn, spend, and save — your way.
Blackcat is a full-scale payment ecosystem that brings together traditional finance and crypto in one seamless experience. With our new app, users can manage multiple wallets, switch between fiat and digital assets in a tap, and enjoy real cashback and great rewards on the balance. Our services are available to individuals and businesses globally, and powered by a licensed financial institution. We operate fully remotely, without hidden fees or outdated banking logic.
Our mission
We believe that money should be safe, easy and empowering. No matter if you are a digital-savvy or a crypto newcomer.
We’re building a financial experience that puts people first — no fine print, no lock-ins, and no judgement.
Our mission is not just to offer financial tools — but to solve real problems for real people. We build flexible solutions that adapt to the pain points of everyday users, niche communities, and under-served businesses.
Our story
We’ve come a long way since 2012 — and we’re just getting started.
2025
Full rebrand to reflect who we are today
All-new app — with wallets built-in
USDC added to our crypto lineup
Partnership with SumSub for the smoothest onboarding ever
2025
Full rebrand to reflect who we are today
All-new app — with wallets built-in
USDC added to our crypto lineup
Partnership with SumSub for the smoothest onboarding ever
2024
Winner of Best Use of Crypto/Blockchain in Financial Services – Malta Cryptocurrency Awards
Split-payment functionality introduced
2024
Winner of Best Use of Crypto/Blockchain in Financial Services – Malta Cryptocurrency Awards
Split-payment functionality introduced
2023
Joined the Mastercard European Privileges program
Collaboration with Binance: pilot of Binance Pay with USDT-to-EUR autoconversion
Credit-grade Mastercard introduced
Cashback (0.5%) and 4% p.a. reward system launched
Blackcat Pay Launched
First ambassador program rolled out
Double award winner: Digital Bank of the Year and Best Mobile Money Offering — Malta Fintech and Crypto Awards
2023
Joined the Mastercard European Privileges program
Collaboration with Binance: pilot of Binance Pay with USDT-to-EUR autoconversion
Credit-grade Mastercard introduced
Cashback (0.5%) and 4% p.a. reward system launched
Blackcat Pay Launched
First ambassador program rolled out
Double award winner: Digital Bank of the Year and Best Mobile Money Offering — Malta Fintech and Crypto Awards
Meet the team behind blackcat
We're a diverse team of fintech enthusiasts, designers, and developers united by one goal: making cryptocurrency accessible for everyone. From our offices in Europe to remote collaborators worldwide, we're building the financial tools of tomorrow
Legal & Transparency
At Blackcat, transparency and compliance are at the heart of our operations.
Regulatory Compliance
Our services are backed by licenses issued to Papaya Ltd, a trusted Electronic Money Institution regulated by the Malta Financial Services Authority (MFSA).
Enter the financial institution name “Papaya Ltd” in the search bar to access detailed licensing information on the link below.
Transparent Pricing
We believe that trust starts with clarity — and that includes how we charge.
At Blackcat, all fees and rates are published openly, with no hidden costs, surprise commissions, or fine print.
You’ll always know what you’re paying for — and why.
Data Protection & User Rights
Your data is yours — and we treat it that way.
Blackcat complies with the General Data Protection Regulation (GDPR) across all operations.
We never sell user data, and we apply strict security and encryption standards to keep your personal and financial information safe.
You can learn more about how we handle your data — and your rights — in our Privacy Policy.
Join the team
We’re always on the lookout for smart, curious, and driven people who want to build better financial tools — and have some fun doing it.
At Blackcat, we work across borders, time zones, and backgrounds.
Our Awards
