# BitDCA > BitDCA is a Czech crypto-finance project that combines the Littlebit savings app, which converts card payments into Bitcoin or gold, with the BDCA token, whose stakers can receive Bitcoin rewards from app transaction fees. - Canonical URL: https://iq.wiki/wiki/bitdca - Categories: Projects & Protocols - Tags: Payments, BNB Chain - Created: 2026-10-16T16:07:42.319Z - Last updated: 2026-10-16T16:07:42.319Z - Source: IQ.wiki — the world's largest blockchain and crypto encyclopedia (https://iq.wiki) --- **BitDCA** is a Czech crypto-finance project founded in 2022 by Jan Záruba that combines the BDCA [utility token](https://iq.wiki/wiki/utility-token) with Littlebit, a mobile savings app designed to convert everyday card payments into [Bitcoin](https://iq.wiki/wiki/bitcoin) or gold investments.[\[1\]](#cite-id-usjh9gs1vu)​[\[2\]](#cite-id-sv90pv00s2)​[\[8\]](#cite-id-u36o2lry6n) The project links activity in Littlebit to tokenholder rewards: fees generated by user transactions are used to fund Bitcoin distributions for people who stake BDCA.[\[3\]](#cite-id-p531bej1ji)​[\[4\]](#cite-id-9qi4dx2z8i)​ ## Overview BitDCA combines Littlebit, a card-linked savings app that allocates savings to [Bitcoin](https://iq.wiki/wiki/bitcoin) or gold, with BDCA, a [utility token](https://iq.wiki/wiki/utility-token) whose stakers qualify for Bitcoin rewards funded from Littlebit transaction fees.[[2]](#cite-id-sv90pv00s2)[[4]](#cite-id-9qi4dx2z8i) New Bitcoin saving in Littlebit is temporarily paused, while gold saving continues; BDCA [staking](https://iq.wiki/wiki/staking) rewards have been reported as live.[[5]](#cite-id-v97s6y7dom)[[1]](#cite-id-usjh9gs1vu) ## History and Market Development BitDCA’s website and [tokenomics](https://iq.wiki/wiki/tokenomics) materials report more than $2 million from shareholders and more than $6 million from the BDCA token presale, summarized as over $8 million.[\[2\]](#cite-id-sv90pv00s2)​[\[4\]](#cite-id-9qi4dx2z8i) A commissioned [Crypto Briefing](https://iq.wiki/wiki/crypto-briefing) release dated December 19, 2024, reported a $2 million pre-seed.[\[9\]](#cite-id-iashapog30) EU-Startups reported €7.6 million raised on February 24, 2025, in a round led by shareholders Aleš Minx, Miloslav Vyhnal, and Vladislav Fedoš.[\[8\]](#cite-id-u36o2lry6n) BitDCA’s LinkedIn company profile lists a $2 million pre-seed dated December 20, 2024, a €7.6 million venture round dated February 1, 2025, and an $8.4 million seed round dated March 24, 2025.[\[1\]](#cite-id-usjh9gs1vu) These sources do not establish whether the listed labels and amounts represent distinct, cumulative rounds. BDCA listed on [MEXC](https://iq.wiki/wiki/mexc) on February 26, 2025, at a stated price of $0.15 per token.[\[2\]](#cite-id-sv90pv00s2)​[\[10\]](#cite-id-952btk1win) In the third quarter of 2025, it announced new V3 [liquidity pools](https://iq.wiki/wiki/liquidity-pool) on [PancakeSwap](https://iq.wiki/wiki/pancakeswap) and Uniswap, describing them as automatically rebalanced and subject to a 0.05% fee.[\[2\]](#cite-id-sv90pv00s2) It also said it planned further [centralized-exchange](https://iq.wiki/wiki/cex-centralized-exchange) listings.[\[2\]](#cite-id-sv90pv00s2)​ The project’s website reports that an official legal opinion concluded BDCA complies with regulations.[\[2\]](#cite-id-sv90pv00s2)​ ## Technology and Architecture BDCA runs through a custom-built [smart contract](https://iq.wiki/wiki/smart-contract) on [Binance](https://iq.wiki/wiki/binance) Smart Chain, also called [BNB Chain](https://iq.wiki/wiki/binance-smart-chain) in BitDCA’s documentation.[\[2\]](#cite-id-sv90pv00s2) BitDCA says [CertiK](https://iq.wiki/wiki/certik) audited the token and other project smart contracts; it also reports a [CertiK](https://iq.wiki/wiki/certik) fundamental score of 93.51 and a position in the top 5% of projects worldwide.[\[2\]](#cite-id-sv90pv00s2) Its roadmap separately says the [staking](https://iq.wiki/wiki/staking) contract was audited by Ackee, which the project says found no flaws after several functions were improved.[\[2\]](#cite-id-sv90pv00s2)​ ## Littlebit Littlebit users set a percentage and saving rules for payments made with their existing payment cards; the app applies those settings to allocate savings to [Bitcoin](https://iq.wiki/wiki/bitcoin) or gold.[\[5\]](#cite-id-v97s6y7dom)​[\[2\]](#cite-id-sv90pv00s2) The project presents the app as a way to accumulate assets through everyday spending rather than by trading or timing purchases; one-time Bitcoin purchases were also listed as a planned feature.[\[3\]](#cite-id-p531bej1ji)​[\[2\]](#cite-id-sv90pv00s2) New Bitcoin saving is temporarily paused, while previously saved Bitcoin remains with a regulated custodian and can be withdrawn; gold saving continues.[\[5\]](#cite-id-v97s6y7dom)​[\[11\]](#cite-id-szn5qea5az)​ BitDCA’s initial testing plans called for a January 2025 testing phase, followed by testing with 50–100 users in February and as many as 500 in March.[\[2\]](#cite-id-sv90pv00s2) The project initially planned a public launch in the third quarter of 2025, but later described Littlebit as having launched publicly in the Czech Republic in the fourth quarter of that year.[\[2\]](#cite-id-sv90pv00s2) In December 2025, BitDCA reported that the app had more than 1,000 daily active users saving Bitcoin through card payments.[\[1\]](#cite-id-usjh9gs1vu) Littlebit also reported that users had accumulated 1,500 grams of gold through everyday payments by October 5, 2025, and that it shipped its first 10-gram gold bar to a user on October 8.[\[6\]](#cite-id-m4jlxq4e7z)​ The project’s roadmap set targets of 10,000 Czech downloads and 100,000 users, with expansion into Central Europe listed among its plans for 2026.[\[2\]](#cite-id-sv90pv00s2) The company-overview page states that the United Kingdom is a target for expansion in 2026.[\[7\]](#cite-id-w1b6coi6sl) BitDCA has also described possible future support for additional [cryptocurrencies](https://iq.wiki/wiki/cryptocurrency) and the S\&P 500.[\[5\]](#cite-id-v97s6y7dom)​ ## BDCA Token and Rewards BDCA is a [utility token](https://iq.wiki/wiki/utility-token) associated with the Littlebit ecosystem.[[2]](#cite-id-sv90pv00s2)[[4]](#cite-id-9qi4dx2z8i) Holders can stake BDCA to qualify for monthly [Bitcoin](https://iq.wiki/wiki/bitcoin) rewards funded from a share of transaction fees generated by Littlebit payments.[[2]](#cite-id-sv90pv00s2)[[3]](#cite-id-p531bej1ji) BitDCA says rewards are sent directly to holders’ wallets and are tied to app activity rather than the company’s annual financial performance.[[2]](#cite-id-sv90pv00s2) The project presents the arrangement as linking tokenholder rewards to Littlebit’s adoption and transaction activity.[[4]](#cite-id-9qi4dx2z8i) BitDCA reported in December 2025 that its revenue-sharing feature had gone live, with Littlebit transaction volume generating [Bitcoin](https://iq.wiki/wiki/bitcoin) rewards for BDCA stakers.[[1]](#cite-id-usjh9gs1vu) Its website said November 2026 would mark one year of BDCA reward payouts.[[2]](#cite-id-sv90pv00s2) The project has described a feedback loop in which greater Littlebit usage produces more transactions and fees, increasing the Bitcoin rewards available to stakers.[[3]](#cite-id-p531bej1ji) ## Tokenomics and Staking BDCA has a stated total supply of 142,665,333 tokens.[[4]](#cite-id-9qi4dx2z8i) The [tokenomics](https://iq.wiki/wiki/tokenomics) site allocates 68,443,173 tokens, or 47.97% of supply, to [staking](https://iq.wiki/wiki/staking); 25,008,243 tokens (17.53%) to the community, subject to a three-month cliff and 48-month linear vesting; and 17,285,300 tokens (12.12%) to the treasury, with 48-month linear vesting.[[4]](#cite-id-9qi4dx2z8i) It lists 10,271,650 tokens (7.20%) for partnerships, also subject to a three-month cliff and 48-month linear vesting; 5,194,014 tokens (3.64%) for a liquidity reserve restricted to centralized-exchange listings and decentralized-exchange [liquidity pools](https://iq.wiki/wiki/liquidity-pool); 7,488,463 tokens (5.25%) for the team, excluding staked tokens; and 8,924,875 tokens (6.26%) as free-floating supply.[[4]](#cite-id-9qi4dx2z8i) The [tokenomics](https://iq.wiki/wiki/tokenomics) site reports that 68,443,172.82 BDCA, or 47.97% of supply, was staked and that 90% of presale tokens had been staked.[[4]](#cite-id-9qi4dx2z8i) It divides staked tokens by term, reporting 3.7% in two-year stakes, 3.6% in three-year stakes, 3.7% in four-year stakes, and 89.0% in five-year stakes.[[4]](#cite-id-9qi4dx2z8i) The project has separately said that more than 90% of presale tokens had been staked for several years.[[2]](#cite-id-sv90pv00s2) Team allocations include a 4,166,667-token vesting schedule with a three-month cliff beginning March 1, 2025, followed by 48 months of vesting.[[4]](#cite-id-9qi4dx2z8i) Another 3,000,000-token allocation was described as not proceeding at a BDCA price of $1, with tokens withdrawn from the contract only to a secure wallet; a separate 3,000,000-token allocation is scheduled to begin vesting over 12 months when the token price reaches $2.[[4]](#cite-id-9qi4dx2z8i) The site also lists a four-year stake of 4,500,000 team tokens and states generally that team tokens are locked until predetermined price targets are reached.[[4]](#cite-id-9qi4dx2z8i) ## Corporate Structure and Team BitDCA describes itself as a privately held [blockchain](https://iq.wiki/wiki/blockchain)-services company headquartered in Prague, Czechia, and reports that its workforce is distributed across Czechia and the United States.[\[1\]](#cite-id-usjh9gs1vu) Its company-overview page identifies DNZ Holding LTD, registered in London, as a software-focused holding company established to develop, finance, and scale mobile applications.[\[7\]](#cite-id-w1b6coi6sl) The page says DNZ Holding’s wholly owned Prague subsidiary, DNZ BTO s.r.o., owns and operates Littlebit, while the holding company oversees software strategy, product development, international expansion, and partner management.[\[7\]](#cite-id-w1b6coi6sl) Software development and IT delivery are provided with Applifting s.r.o.; Elemental CoSec handles accounting, corporate administration, and company-secretarial services.[\[7\]](#cite-id-w1b6coi6sl)​ Founder and chief executive officer Jan Záruba is identified with Littlebit’s founding and with [blockchain](https://iq.wiki/wiki/blockchain) experience.[\[2\]](#cite-id-sv90pv00s2) Co-founder and head of blockchain development Ondřej Kavka is described as having entered crypto through [Bitcoin](https://iq.wiki/wiki/bitcoin) [mining](https://iq.wiki/wiki/mining) in 2017, later leading a crypto fund, designing BDCA [tokenomics](https://iq.wiki/wiki/tokenomics), and raising more than $5 million.[\[2\]](#cite-id-sv90pv00s2) Co-founder Jan Drahota is named as chief business officer, while Kristýna Vítová is identified as co-founder and chief administrative officer, responsible for administration, strategy, investments, operations, scaling, and innovation.[\[2\]](#cite-id-sv90pv00s2)​ Marián Lechnýř is identified as head of growth; BitDCA’s biography says he worked at NFTScoring, raised a $2.5 million Y Combinator seed round, worked with RockawayX, marketed the Cosmos ecosystem, and organized the Gateway to Cosmos conference.[\[2\]](#cite-id-sv90pv00s2) CTO and product owner Radim Trojek is described as having more than ten years of experience as a product owner and business analyst.[\[2\]](#cite-id-sv90pv00s2) Martin Červencl leads community management and marketing and is described as having eight years of crypto experience; the company profile lists him as Head of Business & Acquisitions.[\[2\]](#cite-id-sv90pv00s2)​[\[1\]](#cite-id-usjh9gs1vu)​ Named shareholders include Aleš Minx, whom BitDCA describes as a senior Czech manager who held executive and supervisory-board roles at a major financial group and later chaired the board of a multinational investment group managing €43.4 billion in assets.[\[2\]](#cite-id-sv90pv00s2) Shareholder Miloslav Vyhnal is described as a private-equity and mergers-and-acquisitions specialist with more than 25 years of experience, including board-member and chief investment officer roles at the KKCG and RSBC groups.[\[2\]](#cite-id-sv90pv00s2)​