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Your keys. Your gold.

The self-custody money app.

Zeltis will let you hold crypto in a wallet only you control, exchange it at one clear price, pay by card and receive euro on account details in your name.

You are on the list. We will write to you when Zeltis opens. To be removed at any time, write to privacy@zeltis.money.

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We write only about the launch. No newsletter.

Try the demo The whole app with simulated money. No sign-up, nothing to install.

Illustration of the planned app. All numbers are simulated.

How it works

From euro to your own wallet in three steps

This is the product we are building. None of it can be used yet.

  1. Create your wallet

    Open the app and create a wallet. The key is split in two parts and one of them stays on your phone. Without it, nobody can move your crypto.

  2. Add euro

    Verify your identity once. Then send euro to account details in your name. It arrives in your wallet as a euro stablecoin, one to one.

  3. Exchange and pay

    Move between euro, US dollar, Bitcoin and Ether at one price shown before you confirm. Pay with the card wherever cards are accepted.

What you get

Four things, kept simple

A wallet, an exchange, a card and euro account details. One app and one price.

Wallet

A wallet you own

Your crypto sits in your own wallet. Only you can move it. You can export your key and leave whenever you like.

Exchange

One price. Shown before you confirm.

Every exchange shows the rate, the fee and exactly what you receive. Nothing is added afterwards. Planned fee: 1.49% per exchange, included in the price you see.

Card

Tap to pay, wherever cards work

A virtual card in your phone. Freeze it, set limits and choose what is spent first.

Euro account details

Euro in. Euro out.

A personal EUR IBAN in your name, to get paid and to pay. Move between euro and crypto when you choose.

You always know where things stand

Every payment, transfer and check has a status and a time. If something is held for a check, the app says what is affected and what you can still do.

The card and the personal EUR IBAN will be provided by partner e-money institutions and will follow their rules.

Why self-custody

Your crypto stays yours, whatever happens to the app

Most money apps hold your assets for you. Zeltis is built the other way round.

When an app holds your crypto

Keys
The company holds them. You hold a login.
If your account is reviewed
Everything can be paused at once, crypto included.
If the company stops
You wait for it to hand your assets back.

With Zeltis

Keys
Split in two. One part never leaves your phone.
If your card or euro account is reviewed
The partner that provides them can pause them. Your crypto stays in your wallet.
If Zeltis stops
You export your key and move your crypto with another compatible wallet.

The honest part. Self-custody is also a responsibility. If you lose both your phone and your recovery method, nobody can restore the wallet, including us. The app will help you set up recovery on the first day.

Security in plain words

What protects you, without the jargon

  • A key in two parts

    Signing a payment needs both parts of your key. One lives on your phone, so a break-in on our side is not enough to move your crypto.

  • No trackers on this site

    No analytics, no advertising scripts, no tracking cookies and no fonts loaded from other companies.

  • Your email is encrypted

    Waitlist entries are encrypted before they reach our database, which is located in the EU. We do not store your IP address.

  • Checks the law requires

    You will verify your identity before using the card and the euro account, and transfers will be screened. We will say up front what is needed.

  • Every staff action is recorded

    Our back office needs a password and a one-time code. Each action is written to a log that shows if anyone has altered it.

  • Found a problem? Tell us

    Security researchers can reach us through the contact in our security.txt file.

Straight answers

What Zeltis is not

  • Not a bankZeltis will not hold deposits. Your crypto sits in your own wallet.
  • Not open yetNothing described here can be used today. The waitlist is the only thing that works.
  • Not a way to earnNo interest, no rewards and no token. Zeltis is for holding, exchanging and spending.
  • Not outside the rulesYou will verify your identity and transfers will be screened, as at any payment company.

Zeltis SIA is a company in formation. It plans to apply to Latvijas Banka for authorisation as a crypto-asset service provider. Services are not available yet.

For partners

Card issuer, e‑money institution or liquidity provider? Let's talk.

We are choosing partners for every layer of the product. Each layer in our backend sits behind an adapter with a working mock, so a partner can be connected without changing the app.

Card issuingEuro accountsLiquidityIdentity checksWallet infrastructure
See what we look for

Questions

Asked before launch

Where will it be available?

We plan to start in Latvia, Spain and Portugal and then add other countries of the European Economic Area. Zeltis will not serve US persons or residents of sanctioned jurisdictions.

Is Zeltis a bank?

No. Zeltis is not a bank and will not hold deposits. Your crypto sits in a wallet you control. The card and the personal EUR IBAN will come from partner e-money institutions.

What does self-custody mean?

The keys to your crypto are yours. In Zeltis the key is split in two parts and one of them stays on your phone, so nobody can move your crypto without you. You will be able to export the key and use another wallet.

Can my money be frozen?

Your crypto stays in your own wallet, and Zeltis cannot move it. The card and the euro account are different: the partner institutions that provide them must run the same checks as any payment company and can pause them. If that happens, your crypto is still in your wallet.

What will it cost?

The planned fee is 1.49% per exchange on the Standard plan and 0.49% on Plus, included in the price you see before you confirm. Euro arrives and leaves at one to one. The full price list will be published before launch and may still change.

Which currencies and assets will be supported?

At the start: euro and US dollar stablecoins, Bitcoin and Ether. The list will grow carefully.

Will Zeltis pay interest or rewards?

No. Zeltis will not pay interest, has no rewards programme and no token. It is a tool for holding, exchanging and spending.

Do I need to verify my identity?

Yes. Before using the card and the euro account you will go through one identity check: a document and a selfie. We will say what is needed and how long it takes before you start.

What if I lose my phone?

You will set up a recovery method when you create the wallet. With it you can restore the wallet on a new phone. Without the phone and without the recovery method, nobody can restore it, including us.

What happens to my email?

It is encrypted and stored in the EU. We use it for one purpose: to tell you about the launch. You can remove it at any time with the link shown after you sign up, or by writing to privacy@zeltis.money.

Be there when it opens

Leave your email. We write only about the launch.

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