Money you actually own,
on a chain built for it.
krypco brings together three things that don't usually meet: an independent hybrid blockchain, a real bank IBAN tied to your wallet, and a native coin that secures the network. One stack, one wallet — for euros, dollars, and the chain itself.
Three things that work together.
Most chains are tech experiments. Most fintech apps are walled gardens. krypco is one product built around three pieces that actually fit each other — a hybrid blockchain, a personal IBAN with SEPA, and a native coin that powers it all.
An independent chain, built for finance.
A public chain anyone can join, plus a private chain for regulated activity, connected by a zero-knowledge bridge. Forked from Midnight Network and rebuilt for real money flows.
A real bank account, in your wallet.
A registered EU IBAN tied to your wallet. Receive your salary by SEPA, hold euros and dollars on-chain as kEUR and kUSD (1:1 backed by EURC and USDC), withdraw to any bank in seconds.
The token that secures the network.
BlockFranc — pays for gas, rewards validators via Proof of Productivity, gives holders governance rights. 1B fixed supply, 4-stage presale opening Q1 2027.
Two chains. One protocol.
krypco is an independent blockchain forked from Midnight Network and rebuilt for finance. A public chain anyone can join hosts kEUR, kUSD and BFr. A private chain handles KYC'd activity and bank-grade flows. They're connected by a zero-knowledge bridge — so regulated transactions stay confidential, and the public ledger stays verifiable.
Permissionless. Open. Verifiable.
Anyone can run a node, send transactions, build dApps. Every block is publicly auditable. This is the chain dApps and exchanges connect to.
- →Secured by Proof of Productivity (PoP)
- →Hosts kEUR / kUSD / BFr
- →Anyone can validate
- →Public RPC at rpc.krypco.eu
Permissioned. Regulated. Confidential.
Where KYC'd activity happens. Bank-grade money flows, identity-bound transactions, compliance reporting — all encrypted, none of it leaks to the public chain except as ZK proofs.
- →PoP consensus with KYC'd validators
- →KYC + AML on-chain
- →Bank rails settle here
- →Encrypted by default
Three engines power the network
You don't have to think about them — they're what makes instant SEPA, regulatory compliance and self-custody possible at the same time.
Proof of Productivity
Rewards 7 weighted on-chain activities — not idle staking. The network pays the people who actually use it.
Zero-Knowledge Bridge
Connects the private and public chains with ZK-SNARK proofs. Bank-grade activity stays confidential, public ledger stays verifiable.
AI Security Guardian
Qwen2.5-Coder-32B in a Trusted Execution Environment audits contracts, detects fraud, and validates PoP scores in real time.
A real bank account, in your wallet.
People don't leave traditional banking because crypto is exciting — they leave because their bank froze their account, ate their wire fee, or cut their payout in half over the weekend. krypco fixes that. You get a registered EU IBAN tied to your wallet, real SEPA payments in seconds, euros and dollars on-chain that you actually control.
Real EU IBAN, registered in your name with a regulated institution. Same legal status as any bank account — share it for your salary, set up direct debits, do business.
Salary, invoices, transfers — same as any IBAN.
Instant SEPA — 24/7, including weekends.
kEUR & kUSD — stable money, on the chain.
When EUR enters your IBAN, the chain mints the same amount of kEUR to your wallet. Burn kEUR to send EUR back out. Backed 1:1 by EURC and USDC — the two regulated stablecoins issued by Circle under EU and US oversight.
Circle's regulated euro stablecoin, MiCA-compliant, held with audited custodians. Mint when EUR arrives at your IBAN, redeem to SEPA in seconds. Native to the krypco chain — no Ethereum gas, no L2 bridge.
Circle's regulated US dollar stablecoin, audited monthly. Hold, send, swap freely on-chain today — direct USD bank payouts via ACH/SWIFT come in a later phase.
Every token in circulation has a corresponding euro or dollar in regulated reserves. No fractional reserve, no rehypothecation.
Reserves audited monthly by an independent firm and proven on-chain via a published reserves contract.
Send kEUR to your IBAN, EUR arrives via SEPA in seconds. No queues, no withdrawal limits.
1,000,000,000 BFr — the token that secures the chain.
BFr (BlockFranc) is the native coin of the krypco hybrid blockchain. It's what pays for transactions, rewards validators, and gives holders a vote on protocol decisions. Distinct from kEUR and kUSD: those are stable money, BFr is the token that makes the chain run.
A small BFr fee covers the cost of computation and storage on every krypco transaction. Predictable and transparent.
Validators earn BFr block rewards proportional to their verified PoP score — real on-chain activity, not idle staking.
BFr holders vote on protocol upgrades, fee parameters, and treasury spending. Your stake = your voice.
Distribution
Validator-first distribution designed for long-term network sustainability — not short-term speculation.
4 stages, opening Q1 2027.
20M BFr (2% of supply) allocated to public presale. Step pricing rewards early supporters; max EUR 5,000 per wallet per stage.
Every block, in plain sight.
krypco is a public chain. Browse blocks, follow transactions, check validator scores, watch the network in real time. No wallet required — anyone can audit anything.
Explorer
Browse blocks, transactions and accounts. Search any tx hash, address, or block height.
Transactions
Live feed of every transaction settling on the chain. Filter by asset, type or status.
Validators
Active validator set with their Proof-of-Productivity scores, uptime and rewards earned.
Network
Block time, peer count, sync state, mempool depth. The health of the chain at a glance.
Public RPC at rpc.krypco.eu · WebSocket at ws.krypco.eu
Built to EU regulatory standards.
Compliant
MiCA-aligned, GDPR-compliant, DAC8-ready. Built for the EU regulatory environment from day one.
Audited reserves
kEUR and kUSD are backed 1:1 by EURC and USDC reserves held with regulated custodians. Audited monthly, on-chain verifiable.
Non-custodial
Your wallet, your keys, your money. krypco never custodies funds beyond the seconds it takes to settle a SEPA transfer.
The roadmap to mainnet.
Protocol Development
Core node, PoP consensus engine, smart contract suite
Testnet & Security Audit
14-day validator testing, AI oracle integration, ZK bridge
BFr Presale
4-stage public presale with EUR 0.05–0.15 pricing
Mainnet Launch
Full hybrid network with personal IBANs and on-chain euros live
One stack. Three pillars. Real money, on a chain you actually own.
Get your personal IBAN, hold euros and dollars on-chain, join the BFr presale, run a validator. Whatever brings you here, the wallet is the same.