The boundaries between banking and bitcoin are increasingly blurred.
For Lazet, transparency is the main prevention against a collapse of the magnitude of Celsius.
Within the framework of the MADBItcoin Summit 2026, we spoke with Jos Lazet, CEO of Blockrise, a company whose central proposal is a “semi-custodial” model – where the company custody of the hardware but the user signs all their transactions through the secure element of their mobile – on which they build bank accounts with their own IBAN, loans backed by Bitcoin and, soon, a credit card. This card will not convert Bitcoin into euros, but will use Bitcoin as collateral to grant a line of credit of up to 50% of the deposited value, allowing the user to pay at any business that accepts cards without selling their satoshis.
Regarding the debate on the financialization of the Bitcoin ecosystem, the interviewee clarifies his position: products such as ETFs or corporate treasuries are valid as a short-term gateway, but they should not become the final destination; the goal remains self-custody.