Aifinyo AG Launches Germany’s First Bitcoin Treasury
German fintech Aifinyo AG has unveiled the country’s first pure-play Bitcoin treasury, investing €3 million via UTXO Management. The Bitcoin treasury strategy will convert profits from its B2B payments and financing arms into Bitcoin, targeting a reserve of 10,000 BTC by 2027. The model runs through two MiCA-compliant subsidiaries — aifinyo finance GmbH and aifinyo payments GmbH — with assets secured under German institutional custody.
Chief Executive Stefan Kempf describes the system as a “Bitcoin machine” that issues BTC for shareholders on every invoice from its 8,000 clients. Head of Bitcoin Strategy Garry Krugljakow forecasts that within five years, all DAX-listed firms will adopt Bitcoin as a strategic reserve.
Building on high-profile treasury models like Michael Saylor’s, Aifinyo plans to launch business accounts and credit cards in 2026 to fuel further BTC accumulation. This move underlines growing corporate crypto adoption in Europe amid MiCA and BaFin oversight. Traders should monitor Aifinyo’s ongoing Bitcoin purchases for signals of rising institutional demand and their effects on market dynamics.
Bullish
Aifinyo AG’s move to convert its balance-sheet profits into Bitcoin and target 10,000 BTC underscores growing institutional demand. In the short term, each scheduled purchase adds direct buying pressure on Bitcoin, likely supporting prices. Long term, the launch of business accounts and credit cards in 2026 mimics proven treasury models and signals broader corporate crypto adoption under MiCA and BaFin oversight. This precedent may encourage other firms to diversify risk with Bitcoin, fostering sustained demand and network effects. Historical examples like MicroStrategy’s strategy show that visible corporate BTC acquisitions drive positive market sentiment and price rallies, validating a bullish outlook.