The Bitcoin in your plan, held to secure the extra buying power. Every other balance on Invity stays untouched.
60% extra buying power, without debt
Turbo Buy adds 60% extra buying power to every recurring buy. Commit €100 a month and accumulate as if you invested €160 — transparent fees, no risk of negative balance, stop anytime.
good to know
What to know before you start
When you close, just enough BTC covers the extra capital you used — the rest is yours to keep, sell, or withdraw.
If the plan's BTC value ever drops below the extra capital used, it settles automatically. You can never go negative.
Exposure close to 1.6x, but limited-recourse: no margin call, no debt, no negative balance. Only the plan's Bitcoin is ever at risk, and the backtest since 2016 recorded zero liquidations.
The structured accumulation institutions use, opened to everyone. Rules-based, transparent, and built for long-term holders.
€100
you invest / month
+60%
extra buying power
€160
of Bitcoin accumulated
Same monthly commitment, more Bitcoin in your stack.
Backtested, not promised
More Bitcoin for the same commitment
We ran Turbo Buy against plain DCA on real BTC/EUR data, Jan 2020 → May 2026. Same money in — more Bitcoin out.
- +17.5%
more Bitcoin than plain DCA
conservative settlement Up to +28% near the cycle peak
- €21,388
average buy price
vs €25,137 for plain DCA You accumulate cheaper
- 0
liquidations across the entire backtest
- Cycle-long
the boost compounds over a full market cycle
See all four strategies side by side
Historical backtest on real BTC/EUR price data. Not a promise of future returns.
process
How the +60% actually works
- 1
You set the plan
Recurring amount and frequency (weekly, bi-weekly, monthly). Say €100 monthly.
- 2
We add +60%
€60 of extra buying power, so €160 of Bitcoin is bought every cycle.
- 3
You pay only for the extra
9.9% p.a. on the €60, deducted from your regular payment. Nothing on your own money.
- 4
You settle when you close
The extra buying power is settled at the historical prices it was used at, against today's Bitcoin value. If you hold for the long term, time works in your favour.
- 1
You set the plan
Recurring amount and frequency (weekly, bi-weekly, monthly). Say €100 monthly.
- 2
We add +60%
€60 of extra buying power, so €160 of Bitcoin is bought every cycle.
- 3
You pay only for the extra
9.9% p.a. on the €60, deducted from your regular payment. Nothing on your own money.
- 4
You settle when you close
The extra buying power is settled at the historical prices it was used at, against today's Bitcoin value. If you hold for the long term, time works in your favour.
built-in safety
You stay in control
-
No debt, no negative balance
Your stack secures the extra capital, nothing else.
-
Transparent costs
Every fee is shown before you buy.
-
Stop anytime
No lock-ins, no penalties; close and settle whenever you want.
-
Built-in guardrails
Alerts at 20% and 10% from liquidation keep you informed.
Turbo Buy Plus
Coming soon
+69%
- +60%extra buying power
- Smart timingbased on long-term trends
- 9.9% p.a.on the boost only
- Flagshipbest backtest result
Turbo Buy Plus combines the +60% boost with dynamic timing — investing more when Bitcoin is cheap and less when it's overheated. In the same backtest, it accumulated +69% more Bitcoin than plain DCA — the strongest result of all four strategies.
Turbo Buy FAQ
FAQ
What is Turbo Buy?
A boost to your recurring Bitcoin plan. On top of each buy you get +60% of extra buying power, so you accumulate more Bitcoin over time. You pay a fee only on the extra capital, your growing stack acts as collateral, and you can close and settle anytime. If the value of the Bitcoin in the plan ever drops below the extra capital used, the plan settles automatically — it can never go negative and never touches your other balances.
Is this leverage? (No)
No — it isn't leverage. We don't lend you money. Invity buys the additional Bitcoin with its own funds, and at settlement you buy those bitcoins back from us at the original price they were purchased at. There's no debt, no margin call against your other assets, and you can never go into a negative balance — the only Bitcoin at risk is what's inside the plan. Treat the exposure with the same care as any directional Bitcoin position.
How does the +60% work?
When you create a plan, Invity buys the additional Bitcoin with its own funds — you get +60% of virtual buying power on top of each buy. When you close the plan, you buy those bitcoins back from Invity at the original price they were purchased at, settled against the current value of Bitcoin. If you believe in long-term growth this can work strongly in your favour — but closing early after a prolonged decline can cut into your result.
What fees do I pay?
A 1.49% service fee per transaction, plus a Turbo fee of 9.9% p.a. charged only on your extra 60% buying power (≈0.83% monthly, ≈0.38% bi-weekly, ≈0.19% weekly). The service fee is charged immediately; the Turbo fee is charged in arrears from your next buy.
What is liquidation — can I lose more than I put in?
No — if the value of the Bitcoin in the plan ever drops below the extra capital used, the plan settles automatically. It can never go negative, and it never touches your other balances.
Why is some Bitcoin locked?
The Bitcoin in your plan is held as collateral for your extra buying power. While the plan is active you can't sell or send it. When you close and settle, everything remaining is yours.
Can I stop anytime?
Yes. When you close, the plan settles — just enough Bitcoin covers the extra capital at its original amount, and the rest moves to your available balance to keep, sell, or withdraw.
How can I reduce the risk of liquidation?
Keep investing on schedule so your buys stay averaged even in a downturn, enable alerts, and avoid failed payments. You'll get notifications at 20% and 10% from the liquidation line.
Is it backtested?
Yes — on real market data since 2016, with zero historical liquidations recorded. This is not a forecast or financial advice. Past performance does not guarantee future results.
What currencies and payments are supported?
Accounts in EUR and CZK. Top up by SEPA, domestic transfer (CZ), or card (Visa, Mastercard, Apple Pay, Google Pay).
Start, build, and preserve your Bitcoin wealth
Download Invity today & take control of your financial future.
We're Lowering Our Turbo Buy Fees to 9.9%!
Effective June 13, the Turbo Buy fee drops to 9.9% p.a. of the added purchasing power. The cut applies to both new users and existing clients. See how Turbo Buy compares against traditional DCA in our 2020–2025 backtest.
Read more →
How to stay safe with Turbo Buy
What happens when Bitcoin is down and you have an active Turbo Buy — how the liquidation price works, how regular buys lower your risk, and what to keep in mind.
Read more →
Referral program update. Earn Bitcoin when your friends start saving
Invity's referral program now pays €4 in Bitcoin to both of you when your invitee completes 3 transactions in any savings strategy — on top of the existing 33% fee share and 10% lifetime discount.
Read more →
Learn with Invity
Level up your Bitcoin knowledge
Resources for first-time buyers and long-time stackers. No hype, no price calls — frameworks and clear thinking.
Invity eBook
Broken Money and the Way Out
A 50-page guide to why money is broken — and what comes next. Free.
Frequently asked questions
FAQ
Is Invity licensed and regulated?
Yes. Invity Finance s.r.o. operates under EU financial licensing with full MiCA compliance. Your activity is protected by the same rules as any regulated financial service in the European Union.
How is Invity different from an exchange?
Invity is not a trading venue. It is an accumulation-first app designed to make buying, holding, and moving Bitcoin effortless. There are no altcoins, no leveraged products, no trading pairs — just clean flows for Bitcoin.
Who holds my Bitcoin?
You choose. Your balance is held by a regulated institutional custodian, segregated from Invity's operating funds. You can withdraw to your own hardware wallet or any Bitcoin address at any time. You can also set our Auto Send function to any address when your stack in the Invity App reaches a certain amount.
What fees does Invity charge?
Invity uses transparent per-transaction fees displayed before you confirm any purchase. There are no monthly subscriptions.
What is Turbo Buy?
Turbo Buy adds 60% extra buying power to every recurring buy. You pay a fee only on the extra. Your stack secures it — there's no debt and you can never go negative. The only Bitcoin at risk is what's inside the plan.
Which countries are supported?
Invity is available to residents of the European Economic Area as per the MiCA licence. The current list is displayed during sign-up.
Can businesses use Invity?
Yes. We offer business accounts for companies that want to hold Bitcoin on their balance sheet or offer Bitcoin-related services to their customers. See the Business Accounts page for details.
How do I contact support?
You can reach us via in-app chat or email. Support is provided by real people based in Prague, typically during European business hours.
How can I close my account?
Open the Invity App and go to Settings → My account → Delete account. If anything is bothering you, talk to us first via Settings → Contact support — we'd rather fix it than see you go.