What if investing in Bitcoin was one of your good resolutions for 2026? Certainly, in recent weeks, the queen of cryptocurrencies has not been celebrating. Over the past month, its price has fallen by 15%. A Bitcoin is currently trading around 77,000 euros, but its price has broken several records this year, reaching 106,000 euros on October 7. For beginner investors, however, it will not be necessary to bet such sums: it is in fact possible to acquire portions of Bitcoin from just a few euros.
This is what the Bitstack application offers, for example, with a rounding-up savings solution, and a new bank card, which allows you to obtain cashback in Bitcoin. A way to invest without thinking about it and in small steps, which may be more suitable for beginners. Explanations with Alexandre Roubaud, co-founder and CEO of Bitstack.
Capital.fr: How does your rounding savings solution work?
Alexandre Roubaud: We launched automatic rounding in 2022 to democratize access to Bitcoin. The principle is very simple: the user connects their existing bank account (LCL, Société Générale, BNP, etc.) to our application. All expenses are then rounded up to the next euro, and the difference is automatically invested in Bitcoin.
For example, if you buy a coffee for 2.60 euros, the purchase is rounded up to 3 euros. The 40 cents difference is immediately saved for you in Bitcoin. It’s a fun and effortless way to start investing for the “crypto-curious”, knowing that two thirds of our customers are buying Bitcoin for the first time with Bitstack.
Capital.fr: How much can you save and invest in Bitcoin with this solution?
Alexandre Roubaud: What we observe is that automatic rounding allows us to create a significant prize pool without us realizing it. On average, with rounding, a customer saves between 40 and 60 euros per monthwhich can represent up to 720 euros per year.
The message we want to send is that there is no such thing as small savings. Here, it adapts to the user’s pace of life: the more they spend, the more they save at the same time. We help our users adopt financial discipline, but without any additional effort.
Capital.fr: Why are you limiting yourself to Bitcoin?
Alexandre Roubaud: It is a strategic choice which is at the heart of our mission. For us, there is Bitcoin and there is the rest. Our mission is to help our users save over the long term in order to protect their savings and their purchasing power against currency devaluation and inflation (which has been close to 25% over the last five years in the euro zone). Other cryptoassets follow a radically different logic, mainly focused on investment in risky technological projects, which unfortunately often hide scams. Bitcoin, thanks to its limited supply of 21 million units and its growing adoption by individuals and institutions as a strategic reserve, is, in our opinion, a solution to protect its purchasing power in the long term. Limiting yourself to Bitcoin allows you to stay focused on this mission and that is why we use the term saver for Bitcoin, and not that of investor.
Capital.fr: What is the benefit of your new bank card for Bitcoin investors?
Alexandre Roubaud: After raising $15 million, we were able to expand our offering and launch an account with a French IBAN, issued in partnership with a subsidiary of BPCE, as well as the Bitstack Visa card. This card offers two key features new to Europe. Instant automatic rounding: users can round up all their expenses made with the card, free of charge and instantly, as is already the case on the application. THE Stackback : this is a type functionality cashback. Customers can win up to 1% Bitcoin reward on all their expenses. Every time they use the card at any merchant that accepts Visa, they earn free Bitcoin on the amount spent.
The objective remains the same: to democratize savings in Bitcoin. Users spend their dollars, and we help them save Bitcoin effortlessly with rewards.
Capital.fr: Why is investing small amounts regularly more relevant when buying crypto?
Alexandre Roubaud: This is the most suitable strategy for beginners to position themselves on an asset like Bitcoin. Although it is the best performing asset of the last ten years, it remains volatile in the short term. Determining the right time to buy is therefore very difficult.
By investing on a regular basis, whether through rounding or through a recurring savings plan, you apply the method called Dollar Cost Averaging (DCA). DCA helps mitigate the impact of price volatility on your savings by smoothing the acquisition cost.
If we take a step back, the underlying trend of Bitcoin is bullish (+394% over the last five years, Editor’s note). By adopting this recurring savings discipline, you expose yourself to this growth trend over the long term without having to worry about daily fluctuations. The best time to start saving was yesterday, and the second best time may be today, provided you save regularly.
