Own your keys. Use crypto everywhere.
Forever-free crypto bank accounts.
Create an account with 3-of-4 recovery, a BFH server shard, and privacy-safe custody. Buy and sell with escrow via NOWPayments.
- • 3-of-4 recovery
- • Custodial ledger v1
- • Escrow via NOWPayments
- • No management fees — ever
Why BFH is safer than typical hot wallets
- Shard security (Shamir / SLIP-0039): your key is split into shares. Any 3 of 4 user shares + a BFH server shard can recover. A single compromised device isn’t enough.
- Encrypted BFH shard: the server only stores an encrypted shard — useless on its own. Recovery requires your shares and approvals.
- Cooldown + approvals: assisted recovery is gated by OTP/passkey and a cooldown to stop rushed/social-engineered thefts.
- Portable shares: keep three user shares (files/mnemonics). Lose one device? You still have redundancy.
- Privacy-safe analytics: no cross-site tracking, user IDs hashed, and analytics only after consent.
Advanced flow (SLIP-0039) is in Settings → Recovery. For most people, the default 3-of-4 is perfect.
Traditional banks (why we’re different)
- • Monthly management fees and surprise charges
- • Single point of failure: the bank or a single password
- • Limited portability and closed ecosystems
BFH Crypto Bank
- • Forever-free accounts (only pay on-chain gas when a chain requires it)
- • Shard-based security with 3-of-4 recovery
- • Portable shares you control; nothing to surveil or monetize
Bonus: hit a monthly threshold (e.g., 40 tx) and we waive gas subsidies — making typical fees effectively vanish for active customers.*
Marketplace
Buy from sellers using crypto escrow.
Sell an item
List your own products and get paid in crypto.
On-ramp
Card → USDC/crypto balance via Stripe Checkout.