The Bitcoin-only platform brings to Poland a model of regulated accumulation, storage and saving that previously operated in the Czech Republic under a MiCA license — while new research shows that exposure to cryptocurrencies among Poles is the highest in Europe, even though Poland remains the only EU country without its own cryptoassets market law.
Founded by a team of creators Trezorthe world’s first hardware Bitcoin wallet, and part of the SatoshiLabs family, Invity has been building a regulated, pure-Bitcoin-centric banking model in its home market for over six years. Poland becomes the next country to which the company introduces this model. The expansion will be led by Aldona Żukowska-Caramés, who started her banking career in Poland and currently serves as Invita’s General Manager for Poland and Spain.
Poland is the most interested Bitcoin market in Europe — and the most unregulated
According to the ARI10 report “Cryptocurrency Adoption in Europe 2026” – one of the largest studies of this type, based on over 100,000 responses collected in 11 European countries – 47.1% of Poles have already had contact with cryptocurrencies, which is the highest result among all the surveyed countries and clearly exceeds the European average of approximately 40%.¹ At the same time, a separate study commissioned by the National Bank of Poland (NBP) showed that only 6.4% Polish adults – or about 2.5 million people – actually own digital assets in a way that the central bank could confirm.² The disconnect between these two numbers – curiosity well ahead of confirmed, regulated ownership – is the clearest signal yet that Poles have no shortage of interest in Bitcoin. They lack a trusted, regulated place to pursue this interest.
Poland remains the only EU country without a working national MiCA-compliant legal framework, leaving cryptocurrency companies – and a still largely unregulated base of interested users – without a licensed option in the local market. Invity is not waiting for this situation to be resolved.
My own path to Bitcoin started right here in Poland, in the banking system that I helped build for twenty years. Poles have shown, more clearly than almost anywhere else in Europe, that they are ready for Bitcoin. There is no shortage of interest – there is no regulated space to store it. While politicians continue to argue, we bring a model that is already working among our neighbors.
– said Aldona Żukowska-Caramés, General Manager of Invity for Poland and Spain.

A regulated model, built in the European cradle of Bitcoin
Invita’s home market boasts something that few other countries in Europe have. Prague has been a bitcoin hub since the 2014 opening of Paralelní Polis — Prague’s Bitcoin-only crypto-anarchy institute — and Braiins, creator of the world’s first Bitcoin mining pool, was also founded here. In November 2025, the Czech National Bank (ČNB) became the first major Western central bank to directly acquire Bitcoin, launching a $1 million test wallet — held off official reserves — to gain hands-on experience with Bitcoin custody, settlements, and blockchain infrastructure.³ This is the same regulator that licenses and oversees Invity.
This license – a MiCA license granted by ČNB, one of the first issued across the EU – is subject to EU-wide passporting, under the same regulation that Poland has still not implemented in its own country. Invity does not need a Polish national legal framework to serve Polish clients: it can today, in full compliance with EU law, offer a regulated model focused exclusively on Bitcoin, proven under the supervision of the Czech National Bank.
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We have watched Poland become one of the most interested markets in Europe for Bitcoin, with adoption levels outpacing the rest of the continent. What held people back was not lack of interest, but the lack of a working legal framework in their own country. We didn’t wait for this situation to be resolved. Our Czech MiCA license already covers Poland, and Aldona’s roots in this market make her the right person to lead it.
– said Michal Nýdrle, partner and member of the management board of Invita.
Not just another place to trade, but a platform focused solely on Bitcoin

- Car Purchase — cyclical purchases of Bitcoin using the cost averaging (DCA) method, at a frequency selected by the user, eliminating the temptation to “catch lows”.
- Auto Purchase Plus — an adaptive version of Auto Buy, increasing purchases on Bitcoin dips and decreasing them near local highs.
- Turbo Purchase — adds 60% additional purchasing power to a user’s recurring purchases, without incurring personal debt.
- Auto Shipping — automatically transfers the accumulated Bitcoin to your own wallet (self-custody) or cold wallet (cold storage) after reaching the selected threshold.
- Accounts for companies — the same accumulation tools tailored for companies building a bitcoin vault.
- Portfolio analytics — transparent, real-time insight into assets held, acquisition costs and performance.
- Cards — from November, Invity is introducing payment cards with cashback of up to 1.5% in Bitcoin.
- Loans for companies — a loan secured by Bitcoin belonging to the company, without having to give up your position.
The registration process usually takes less than ten minutes, and identity verification and customer support are available in Polish, as well as Czech, English, German, Spanish and Portuguese. From November 2026, Invity will accept payments in Polish zloty.
BitGo funds custody, compliance built on regulated finance standards
Customers’ Bitcoin is stored with BitGoone of the most recognized institutional trust entities in the market, in insured, segregated custody, separate from the operating funds of Invita itself. Users retain the right to self-storage at any time, able to withdraw funds to their own hardware wallet or any Bitcoin address.
Invity Finance sro operates on the basis of MiCA license granted by the Czech National Bank (ČNB) and is supervised under the same regulatory standards applicable to traditional financial institutions, including the EU’s cybersecurity regulation DORA. As the license is passportable throughout the European Union, Invity can serve Polish clients in full compliance with the law from day one.
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Aldona Żukowska-Caramés: from Polish banking to Bitcoin
Aldona Żukowska-Caramés started her career in the audit and finance department of KPMG Polska and taught finance and economics at universities in Poland, before taking up management positions at the Santander Group (Poland and Spain) and UniCredit (Poland) – where she established and led the Murex Global Center of Excellence in Warsaw – and later at Liberbank and Openbank in Spain. He has over 20 years of experience in building banking companies and operations from scratch and leading large-scale transformations of traditional banks in Europe, Latin America and the United States.
She discovered Bitcoin in 2016, and from 2020 she devoted herself fully to it, intensifying her public activities for education and adoption of Bitcoin from the end of 2024. She is the founder and CEO of MadBitcoin SL, organizer of the MadBitcoin Summit – the leading institutional bitcoin conference in Spain – host of the MadBitcoin podcast and lecturer at the Universidad de las Hespérides.
Michal Nýdrle: co-owner and investor
Michal Nýdrle is co-owner and investor in Invity, where he leads the business development together with his wife Pavla Nýdrle (CEO) and investor Radek Janeček. Born into a family of entrepreneurs, inspired by the principles of Tomáš Bati, he founded his first company before his twentieth birthday. His companies Nydrle and RedMedia became leading digital and advertising companies in Central Europe and later formed the core of Kindred Group, from which he and his partners successfully exited in 2019. He is a member of YPO (Young Presidents’ Organization) and an active investor in public markets, venture capital and real estate.
About Invity

² National Bank of Poland (NBP) survey conducted by Ipsos, 2026, quoted from RMF24: rmf24.pl. (Recommended to confirm with the official NBP publication before use.)
³ Czech National Bank (ČNB), “The CNB creates a test portfolio of digital assets”, press release, November 2025: cnb.cz.
