One portfolio.Crypto included.
No markups. No surprises.
Our crypto pricing is simple and transparent. You always know exactly what you’re paying: a 0.45% per order fee, that’s it.
Many platforms sneakily add a markup into their price, creating a gap between the real price and the price you pay. This makes the true cost of crypto investing hard to know upfront.
Part of your bigger picture
Diversify into crypto alongside your stocks and ETFs. No separate “crypto corner” or standalone app. Just one home for all your wealth.
Crypto can also be added to a Plan and is available tax efficiently within Investeerimiskonto.
Deep liquidity. Even in Euros.
We've partnered with Kraken, a reputable global exchange with deep liquidity, so you get tighter spreads and fairer prices, even on larger orders and in volatile markets.
All 12 coins trade in Euro and US Dollar, so you save on FX too.
Bitcoin
Profit-Taking Wipes Out ETF Rally
Bitcoin's price fell sharply in the weeks after the SEC approved spot Bitcoin ETFs. Profit-taking from the long run-up into approval, combined with heavy selling from Grayscale's converted GBTC trust, pulled the price down from its pre-launch high.
Your crypto, regulated
Lightyear is authorised to provide crypto-asset services under MiCA.
Our crypto operations are regulated and safeguarded to European Union standards. MiCA is a new EU regulation, which unifies crypto investing regulations to ensure market integrity and investor safety.
Your crypto is held securely. The majority of it is held in cold storage, with a small portion in hot wallets to support day-to-day operations.
Regulated in the UK by the FCA
Regulated in the EU by EFSA
What coins do you offer?
On Lightyear, you can invest in 12 coins from among the world's top-traded cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Solana (SOL), XRP, Cardano (ADA), Litecoin (LTC), Dogecoin (DOGE), Chainlink (LINK), Sui (SUI), Bittensor (TAO), Uniswap (UNI), and Hyperliquid (HYPE).
This selection covers the established investment-grade coins, reputable names that have been through multiple market cycles, and a handful of newer ones representing crypto’s innovation. All available in EUR and USD, 24/7.
How is my crypto protected?
Your crypto is held securely. The majority is stored in cold wallets, meaning offline storage not connected to the internet, with a small portion in hot wallets for day to day operations. This is standard practice among regulated crypto providers.
Lightyear is MiCA compliant. MiCA is the new EU framework for crypto-asset services, setting standards for security and investor safety. From July 2026, any providers without the required authorisation will be required to stop operating. We already meet the requirements, meaning we're here for the long term.
Keep in mind that crypto-assets are not covered by any investor compensation scheme in the EU.
What fees am I paying?
A single 0.45% fee per order. No hidden markups.
Many platforms charge a fee and then quietly add more through the spread, which is the gap between the price you see and the price you actually pay. We don't play these games.
Can I hold crypto in my Investeerimiskonto?
Yes, you can. Lightyear is MiCA compliant, meaning we can offer access to crypto tax-efficiently.
Keep in mind that tax treatment depends on individual circumstances and is subject to change.