Blackcat is a European fintech brand built to help you earn, spend, and save — your way.
We bring together traditional finance and crypto in one seamless experience: a euro IBAN account, payment cards, an integrated crypto service powered by our partner Manerio, and various bonus programs prowered by another partner of ours Baltic Technology Solutions OÜ. With Blackcat, you can manage your balance, move between fiat and digital assets in just a tap, and enjoy real cashback and balance rewards.
Our services are available to individuals and businesses across Europe, powered by a licensed financial institution and designed with full transparency — no hidden fees, no outdated banking logic.
Our mission
We believe money should be safe, simple, and empowering.
Whether you are crypto-curious or just want a better way to manage your everyday finances, Blackcat puts people first:
No fine print.
No lock-ins.
No judgment.
Our mission is not just to provide financial tools, but to solve real problems for real people — from everyday users to niche communities and underserved businesses.
Our story
We’ve come a long way since 2012 — and we’re only getting started.
2025
Full rebrand to Blackcat
All-new app with built-in wallets (coming soon)
New SEPA provider fully integrated
USDC added to the crypto lineup
Card-to-card transactions unlocked
New ambassador program launched
Blackcat Arena introduced
Partnership with SumSub for the smoothest onboarding
2024
Winner: Best Use of Crypto/Blockchain in Financial Services — Malta Cryptocurrency Awards
Split-payment functionality introduced
2023
Joined the Mastercard European Privileges program
Pilot collaboration with Binance Pay
Cashback (0.5%) and 4% p.a. reward system launched
Blackcat Pay introduced
First ambassador program launched
Double award winner: Digital Bank of the Year and Best Mobile Money Offering
2022
Website rebrand
Referral and bonus systems merged into a unified rewards program
2019–2021
Blackcatcard launched with Papaya Ltd.
Free IBAN + card in one tap
First mobile app and core infrastructure
24/7 support — for everyone, even non-clients
2012–2018
Papaya Ltd. obtained EMI license from the Malta Financial Services Authority (MFSA)
Became Principal Member of Mastercard and SEPA participant
Joined SWIFT network
Behind Blackcat stands Papaya Ltd., licensed in Malta for over a decade and acting as the regulatory backbone of our expanding ecosystem.
Legal & transparency
Regulatory compliance
Blackcat services are operated under licenses issued to Papaya Ltd., an Electronic Money Institution regulated by the Malta Financial Services Authority (MFSA).
You can verify Papaya Ltd. on the MFSA website for full transparency.
Transparent pricing
We believe trust starts with clarity. All fees are published openly — no hidden costs, no surprise commissions. You always know what you’re paying for and why.
Check our pricing anytime.
Data protection & user rights
Blackcat complies with the General Data Protection Regulation (GDPR).
We never sell user data and we apply strict encryption and security standards.
Read our Privacy Policy to learn more about your rights.
Security
PCI DSS — we comply with global standards for secure card payments.
3D Secure — every online purchase is protected by strong authentication.
ISO 27001 — our systems are aligned with certified information security standards and undergo independent audits (latest completed in December 2024).
GDPR & oversight — fully licensed and regulated by MFSA, with strict data privacy controls.