Heartbit is building Israel's trusted digital asset infrastructure - a regulated, Bitcoin-first platform that combines access, custody, liquidity, education, and real financial freedom.
We are not here to sell dreams, chase trends, or drown people in financial noise, flashy language, and empty promises.
Heartbit was born from a simple but painful realization: most people work hard, save, try to do the right thing - and still end up without real control.
They depend on systems that were never built in their favor. They live inside an economy that erodes the value of their money over time. And they make decisions from confusion, fear, pressure, or lack of clarity.
We built Heartbit to change that. Not only through information. Not only through perspective. But through a real process of personal, financial, and practical transformation.
Heartbit is a home for people who want more. More truth. More clarity. More responsibility. More freedom.
We believe money is not just a number in a bank account. Money is time. Money is energy. Money is choice.
And when a person has no real control over their money, they usually do not have real peace, real calm, or real freedom either.
That is why, for us, finance is not only about returns. It is about sovereignty. The sovereignty to think for yourself. The sovereignty to understand what you are doing. The sovereignty to choose how you live from a place of strength, not fear.
Most of the financial industry teaches people to chase. Another opportunity. Another product. Another move. More noise.
We see it differently. The problem is not a lack of information. It is a lack of the right framework. People need a path. They need understanding. They need someone who can simplify, sharpen, and lead without games.
Heartbit was built around exactly that.
Heartbit exists because we refuse to accept a reality where good, intelligent, hardworking people feel uncertain in one of the most important areas of their lives.
We want to help people build a new relationship with money - one based less on fear and more on clarity. Less survival. More sovereignty. Less pressure. More peace. Less dependence. More freedom.
We are not here only to explain ideas. We are here to help people change direction.
Heartbit was born from real life, real choices, and a real search for freedom, calm, truth, and meaning. That is what we bring into our work - not performance, commitment.
Heartbit is not just a business. Heartbit is a position.
A position that says it is possible to combine freedom with responsibility, strength with love, money with values, and ambition with peace.
Heartbit exists to help people build real financial sovereignty - with clarity, responsibility, long-term thinking, and a foundation strong enough to support the life they actually want to live.
We do not soften reality to sound good. If something is risky, complex, or requires patience, we will say it clearly.
The goal is to live with more choice, less dependence, and greater peace.
Freedom without responsibility is an illusion. We look for the right path, not the easy one.
Success at the expense of home, health, and loved ones is not real success.
We work with human beings - with fears, dreams, mistakes, hopes, and real stories.
We want to help people stand on solid ground again.
Teaching money, financial freedom, Bitcoin, risk, and long-term investing clearly and accessibly.
Building personal strategy tailored to each person's reality, character, and goals.
Guiding financial decisions from understanding - not fear, pressure, or confusion.
Creating financial order, focus, and a clear action plan.
Step-by-step practical guidance - safely, responsibly, organized.
Ongoing support connecting theory to practice, knowledge to execution.
Long-term thinking aimed at building real freedom and sovereignty over time.
The next standard in Israeli crypto. Partnership & revenue model.
Global crypto adoption is accelerating at 30%+ CAGR. Israel's market is ripe for disruption - regulated, growing, and underserved.
Sources: Security.org 2026, KPMG Israel Forum 2026, Chainalysis 2025
Sources: River Intelligence, Security.org, DemandSage, KPMG Israel Forum 2026
Israeli consumers pay some of the highest crypto fees in the developed world.
| Platform | Service Fee | Withdrawal Fee | Fast Onboard | Education |
|---|---|---|---|---|
| Bits of Gold | 1.2% – 1.95% + VAT | 0.95% | ✗ | ✓ |
| Horizon | 2% – 4.95% | Yes + custody | ✗ | ✓ |
| Bit2C (Exchange) | 3.2% – 5% | Varies | ✗ | ✗ |
| Tectona | 2.1% – 3.3% | Varies | ✗ | ✗ |
| HEARTBIT | 1.99% | FREE | ✓ | ✓ |
This is not a healthy market. It is a market waiting to be reset.
You provide the license, we run everything.
Lowest effective cost in Israel. No hidden charges.
Zero withdrawal fees. Customers keep more.
Fast KYC/AML. Ready to buy crypto in minutes, not days.
Built-in learning. Users understand what they buy.
CMA-ready. AML/KYC baked into the core.
Hebrew-first. Human support, not chatbots.
Your effort: minimal. Your upside: significant. Your risk: near-zero.
Israeli crypto market: NIS 4B annually | Blended take rate: ~1.0%–1.15%
| Scenario | Market Share | Annual Volume | Gross Revenue |
|---|---|---|---|
| Conservative | 5% | ₪150M – ₪250M | ₪1.5M – ₪2.9M |
| Base | 8% | ₪240M – ₪400M | ₪2.4M – ₪4.6M |
| Strong | 10% | ₪300M – ₪500M | ₪3.0M – ₪5.8M |
| Breakout | 15% | ₪450M – ₪750M | ₪4.5M – ₪8.6M |
NIS 4B market, growing 20% YoY with BTC adoption | Take rate: ~1.07%
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Market Size (₪B) | 4.0 | 4.8 | 5.8 | 6.9 | 8.3 |
| Market Share | 8% | 14% | 20% | 24% | 28% |
| Volume (₪M) | 320 | 672 | 1,152 | 1,659 | 2,323 |
| Customers | 7,500 | 15,000 | 25,000 | 35,000 | 48,000 |
| Gross Revenue | ₪3.48M | ₪7.30M | ₪12.52M | ₪18.02M | ₪25.24M |
25% market CAGR with accelerated BTC adoption
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Market Size (₪B) | 4.0 | 5.0 | 6.25 | 7.8 | 9.8 |
| Market Share | 15% | 22% | 28% | 32% | 35% |
| Volume (₪M) | 600 | 1,100 | 1,750 | 2,500 | 3,423 |
| Customers | 10,000 | 22,000 | 38,000 | 52,000 | 68,000 |
| Gross Revenue | ₪6.52M | ₪11.95M | ₪19.01M | ₪27.16M | ₪37.19M |
Illustrative revenue share scenarios based on partnership terms
| Rev Share % | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | 5-Yr Total |
|---|---|---|---|---|---|---|
| 10% | ₪0.35M | ₪0.73M | ₪1.25M | ₪1.80M | ₪2.52M | ₪6.66M |
| 15% | ₪0.52M | ₪1.10M | ₪1.88M | ₪2.70M | ₪3.79M | ₪9.98M |
| 20% | ₪0.70M | ₪1.46M | ₪2.50M | ₪3.60M | ₪5.05M | ₪13.31M |
Passive, recurring revenue stream with zero operational burden.
Your license generates income 24/7 through Heartbit's platform.
At 20% rev share: ₪13.31M cumulative over 5 years (base case).
Before Seed. Before full licensing. Real results.
This is not a mature market with beloved incumbents. It is an overpriced, friction-heavy market with weak customer love.
Crypto-collateralized lending is a maturing global credit category. Heartbit is building Israel's first scaled Bitcoin-backed credit infrastructure.
Proven benchmarks: Ledn - BTC-backed loans, 50% LTV, $10B+ funded. Strike - 9.5% APR, 50% max LTV, 72h cure window. Galaxy - institutional OTC, ~6% USDC rate.
The opportunity is not to invent the category. It is to localize and own it.
Borrowers keep their BTC upside. Collateral-first - no traditional credit-score underwriting.
Segregated custody · No rehypothecation · Real-time monitoring · Full KYC/AML · Conservative entry point
10.9% – 11.9%
Benchmarked: Strike 9.5%, Ledn 11.9%–12.4%
5.5% – 6.0%
Galaxy OTC ~6%, BOI policy rate 4%
1.10% – 1.25%
Variable operating cost
0.40% – 0.50%
Conservative buffer
APR 11.5% | Funding 6.0% | Variable costs 1.25% | Loss reserve 0.50%
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Avg Loan Book | ₪75M | ₪140M | ₪235M | ₪360M | ₪520M |
| Gross Interest Rev | ₪8.6M | ₪16.1M | ₪27.0M | ₪41.4M | ₪59.8M |
| Contribution Profit | ₪2.8M | ₪5.3M | ₪8.8M | ₪13.5M | ₪19.5M |
APR 11.5% | Funding 5.5% | Variable costs 1.10% | Loss reserve 0.40%
| Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | |
|---|---|---|---|---|---|
| Avg Loan Book | ₪120M | ₪260M | ₪480M | ₪760M | ₪1.1B |
| Gross Interest Rev | ₪13.8M | ₪29.9M | ₪55.2M | ₪87.4M | ₪126.5M |
| Contribution Profit | ₪5.4M | ₪11.7M | ₪21.6M | ₪34.2M | ₪49.5M |
Israel's non-housing household debt stands at ₪246B. Even in our base case, Year 5 represents just 0.21% of that market. This isn't aggressive - it's a rounding error.
No category creation risk. Localizing an existing, validated product for an underserved market.
50% LTV entry means a 50% BTC crash before any loss exposure. Partial liquidation protects further.
Your effort: minimal. Your upside: recurring NIM revenue. Your risk: collateral-backed.
Bitcoin-collateral credit is a proven, growing global category. Israel has the demand, the collateral, and the regulatory momentum - but no scaled local platform.
A regulated, locally adapted, Bitcoin-first platform designed to simplify access, custody, liquidity, and education for the Israeli market.
Strong on product but weak on localization, compliance, support, and banking compatibility.
Narrow utility - trading, conversion, or education - not an integrated experience.
Investors need a complete solution: simple entry, secure custody, liquidity - institutional-grade.
1.99% fee brokerage - the lowest in Israel. Hebrew-first education that builds trust before transaction. 168 paying clients already.
Year 5: ₪25M+ gross revenueUnlock liquidity without selling BTC. 50% LTV, segregated custody, net interest margin economics. Proven globally ($73.6B market), zero local competition.
Year 5: ₪19.5M contribution profitInfrastructure rails for institutions and fintechs. License partners earn passive revenue through Heartbit's platform. Low marginal cost, high leverage.
Platform upside · RecurringContent-led acquisition that turns education into onboarding and onboarding into transactions.
Hebrew-first community that builds trust, referrals, retention, and brand defensibility.
Partnerships with innovation hubs, fintechs, and financial communities.
Positioning: not another crypto app - Israel's trust layer for digital assets.
Two revenue engines - brokerage take-rate + lending net interest margin - creating a diversified, recurring platform.
Israeli regulation, AML/KYC, and banking integration from day one.
Focused, differentiated - not a speculative marketplace.
Complete journey with phased expansion.
Trust before transaction - the market's biggest gap.
Consumer experience evolving into infrastructure rails.
Mainstream shift: Digital assets moving from edge to mainstream - need for trusted local infrastructure.
Perfect conditions: Israel's tech literacy + fintech adoption + banking friction = ideal entry.
Real barriers: Regulation, AML/KYC, banking integration create genuine moats.
Category timing: The window to build the category-defining brand is now.
Loss of focus and capital inefficiency
→ One sharp core offer, staged expansion
Launch delays, compliance cost
→ Legal and compliance structure from day one
Lower conversion, slower adoption
→ Hebrew service, education, transparency
Longer build cycles
→ Narrow MVP, automation-first, infra partnerships
Strategy, fundraising, partnerships, leadership.
Platform, integrations, security, scale.
AML/KYC, risk, collateral policy.
Finance, modeling, reporting, regulation.
GTM, content, community, distribution.
Onboarding, journey, retention, feedback.
Heartbit is being built to become Israel's trusted financial gateway into Bitcoin and digital assets. Not another trading interface. Not another content brand. A regulated, technology-enabled company that removes friction between Israeli users and institutional-grade digital financial infrastructure.
The strategy is phased and deliberate. Win the brokerage entry point with the lowest fees in Israel. Deepen with BTC-backed lending - a $73.6B proven global category with zero scaled local competition. Then unlock B2B infrastructure economics through API and embedded finance rails.
The moat is structural, not cosmetic: local regulatory alignment, Hebrew-native trust, banking integration, brand authority built through education, and a path from consumer acquisition into recurring infrastructure revenue.
The numbers are already moving: 168 paying clients, ₪50M+ invested by clients under our guidance, 25+ BTC accumulated through leverage methodology - all before Seed funding and full licensing.
For investors, this is not a bet on another app. It is a bet on the emergence of Israel's trusted financial infrastructure layer for a new category of financial behavior. Brokerage + lending combined: ₪44M+ in Year 5 revenue potential (base case). If executed correctly, Heartbit evolves from a focused Israeli trust brand into a scalable fintech company with regulatory DNA, community power, and meaningful platform upside.
168 clients. ₪50M+ deployed. Two revenue engines. One platform. The question isn't whether Israel needs this - it's who builds it first.