Overview
urble is a self-custodial savings app that lets people set money aside toward personal or shared goals and earn a return on it. You pick a goal, a target date, or an ongoing plan, and save in assets like Bitcoin or a Swiss-franc digital currency. What sets it apart is that no bank or company holds your money; you keep control of it the whole time.
urble is a brand of Brick Towers, a Swiss company that manages digital assets for banks and foundations. The app is pitched as an alternative to a low-interest Swiss savings account, where inflation slowly eats away at what your money can buy. It is available on iOS and Android, with both English and German versions of the site.
Key Features
- Your money, not the bank's. urble is self-custodial by design, so the company never has access to your funds. You hold them yourself and keep full control at all times1.
- Goal-based saving. Set a target amount, a target date, or an ongoing plan, with milestones to keep you motivated. Set it up once and let it run automatically2.
- Swiss-franc savings that earn. Deposit Swiss francs and they convert to ZCHF, a digital franc that earns a variable return through a savings module built on public blockchain infrastructure3.
- Save together. Open separate accounts for yourself, your child, or anyone else, each with its own dedicated account number, and invite family and friends to follow progress and chip in1.
- You only pay when you earn. There are no account fees. On yield products, urble takes a share only of the return you make, never a cut of the money you deposit3.
What to Expect
You download the app, register, and choose what you want to save in. Bitcoin savings and Swiss-franc (ZCHF) savings are available now, and the site lists staking returns for Ethereum and Cardano as coming later, along with tokenized stocks and funds further out1.
Saving in Swiss francs is meant to feel simple. You deposit francs, and behind the scenes they convert to ZCHF and flow into a savings module that pays a variable return you can watch build in your balance3. To fund by bank transfer you complete an identity check through a partner service, which opens access from a range of countries beyond Switzerland3.
The underlying figures for the Swiss-franc system are published openly, so you can check them yourself3.
