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DCA Bitcoin Savings with Invity Turbo [Review + Lifetime Fee Discount]

tomas
Invity Turbo

Invity officially introduced its Turbo purchase service at last year’s Chaincamp, and I couldn’t pass up the opportunity to take a closer look.

Disclaimer: I have a long-term testing agreement with Invity. They have no say in the testing process and I’m doing it with my own money.

Note: This is a translation of my original Czech-language review. While some screenshots show the app in Czech and prices in Czech koruna, Invity operates across Europe and supports euros — so don’t let that put you off. Everything described here applies to you regardless of where you’re based.

For readers unfamiliar with the company, I’d like to note upfront that Invity is part of the SatoshiLabs group, making it a “sibling” of Trezor and Vexl. From its origins as an exchange and swap aggregator that let you buy bitcoin at the best price at any given moment, Invity has evolved into a bitcoin savings app using DCA. And the main draw — and perhaps slightly controversial product — is Invity Turbo, which lets you buy bitcoin with borrowed money. It’s still DCA savings, though — you have to put in your own money too.

And even if it might seem a little at odds with the philosophy of the SatoshiLabs group as a whole, Invity is a fully regulated service under a MiCA license. That naturally includes KYC. If you have a mental block about buying KYC bitcoin, Invity isn’t for you and you don’t really need to read on. That’s the beauty of bitcoin — the freedom to choose 🙂

Buying bitcoin with borrowed money

As already mentioned, the main idea behind Invity Turbo is to put in your hands a tool that large corporations like Saylor’s (Micro)Strategy routinely use — namely buying bitcoin with other people’s money. The idea is fairly straightforward: you’re betting that if you buy bitcoin today with borrowed money, by the time you have to pay it back, bitcoin’s value will be higher than it is today — so you’ll only need to sell a portion of the bitcoin you bought on credit to cover the debt, and you keep the rest as profit.

Simple example: If I borrow 10,000 CZK today and buy bitcoin at a price of 1.3 million CZK per coin, and in five years I sell half of those bitcoins at 2.6 million CZK per coin, I repay the debt and still have half the bitcoin left (ignoring interest for simplicity — but I’d still come out ahead even with it).

I want to try Invity Turbo too
(with a lifetime 10% discount on fees)

How much Invity will lend you

According to Invity themselves, they spent a long time carefully testing and searching for a loan-to-value ratio that carries very low liquidation risk. You may be familiar with exchanges where you can easily borrow high multiples of your capital — and we all know how that tends to end. The point is that the lender never loses money. The one who loses is always you. Even with a relatively “safe” 2x leverage, a 50% drop in bitcoin’s price wipes you out entirely (and this is exactly what happened in February if you bought at the October ATH).

Another example: If you buy bitcoin for 10,000 CZK at a price of 1.3 million per coin, where 5,000 CZK is yours and 5,000 CZK is borrowed, then when bitcoin drops to 650,000 CZK your bitcoin is suddenly worth only five thousand — just enough to be sold to repay the loan. The lender loses nothing. You lose everything.

That’s why Invity Turbo uses a leverage of just 1.6x. That means for every 100 CZK of your own money, Invity lends you an additional 60 CZK. Based on historical data, they say that at this leverage level, liquidation would never have occurred over the past ten years. Part of the reason is that this is still DCA buying — your entry price keeps averaging down, so even significant drops don’t lead to liquidation.

So if you save, say, 1,000 CZK every two weeks, Invity automatically adds another 600 CZK on top. Well — not quite 600 CZK, a little less, because a fee is deducted for the borrowed money (to make things a bit more complex: the fee is charged on money borrowed in the past, so money borrowed today is first charged at the next payment). The longer you save with Invity Turbo and the more you’ve borrowed, the larger the fee deducted from each payment. After a year of saving, around 145 CZK will be deducted per payment, meaning you effectively only receive 455 CZK in new borrowing.

I admit this is a bit tricky to wrap your head around, but all fees are clearly visible in the app. For the skeptics and number-crunchers, I recommend playing around with it in Excel.

What you pay to borrow

A lot of controversy surrounds the interest rate Invity charges — or rather, what it can source a loan for. Currently it works out to 14% per year, which is genuinely not cheap. On the other hand, the app shows everything transparently and hides nothing. If you think that’s too much, you don’t have to use it. And from conversations with the Invity team, they want to bring the price down in the future and don’t consider 14% the final word.

The app doesn’t show an interest rate directly — that figure is only used in presentations to give a clearer sense of costs. What you actually see are small fees on each transaction, which consist of two parts:

  1. A service fee for the purchase, which is 0.49% for SEPA transfers and 1.49% for card payments (cards are penalized because roughly 1% goes to the card issuer)
  2. A percentage of your payment: ~1.16% for monthly frequency, ~0.54% for biweekly, or ~0.27% for weekly payments. This fee only applies from your second purchase onward.

You can see the Turbo fees clearly in the app:

Can you do it cheaper? Sure. You can borrow from a bank at 5% and manually handle your DCA through something like Štosuj. But keep in mind that a bank loan requires monthly repayments, while Invity Turbo is repaid only at the end of the saving period. Also, with a bank loan you borrow the full amount upfront, but since you’re deploying it into bitcoin gradually via DCA, the full sum is sitting idle for part of the time — yet you’re paying interest on all of it.

You could also collateralize your existing bitcoin through Firefish and use the borrowed fiat to buy more bitcoin. But if that’s your plan, you’re probably not Invity’s target audience. Invity is aimed at people who don’t want to deal with complexity — often not hardcore bitcoiners, but beginners who want a simple way to save in bitcoin with a bit of leverage on top.

How to set up Turbo savings

First, install the Invity app on your phone. If you’re reading this on a desktop, you can use the QR code below to get to the mobile install page (using my link or QR gives you a lifetime 10% discount on fees):

After installing, you’ll need to complete identity verification (KYC) on first launch — as mentioned, Invity is a regulated entity and must comply with anti-money laundering and counter-terrorism financing laws.

Verification for Invity is handled by a third party — Sumsub — and consists of the standard process: photographing your ID and taking a selfie. You’ll also answer a few standard questions — whether you’re a politically exposed person, where your income comes from, how much you plan to invest through Invity, and so on. The whole thing takes no more than 5 minutes, and if you’ve ever verified an account on an exchange or brokerage, it’s exactly the same.

Once verified, you can set up your savings strategies. Besides Turbo, the app also offers standard DCA and a plus variant that optimizes purchases based on the 120-week moving average. For the purposes of this review, though, we’re only interested in Invity Turbo — so select that one.

In the settings, you can choose how often you want to buy bitcoin and how you want to pay. For frequency, you can pick weekly, biweekly, or monthly. Buying more frequently is generally better, but choose based on how much you want to save per month. Each transaction must be at least 750 CZK, so if you want to save around 1,000 CZK per month, you have no choice but to go monthly. If you have 2,000 CZK per month, go biweekly and send 1,000 CZK each time.

For payment method, you can pay by card or bank transfer. I recommend transfer — card payments cost more due to the additional 1% fee mentioned above.

One thing I found oddly inconvenient: when paying by bank transfer, the minimum is not 750 CZK but 1,250 CZK. The reason, apparently, is that card payments carry a percentage-based fee for the provider, while SEPA transfers carry a fixed fee. Since I wanted a higher frequency than monthly for my test but didn’t want to overpay on card fees, I went with 1,250 CZK every two weeks. You can change both the amount and frequency later in settings.

Once you save your settings, the app shows you where to send the money. If you chose card payment, it’s charged automatically and you don’t need to do anything. For bank transfer, you pay to a Czech account — specifically at Citfin, a savings cooperative, which means no instant payments (though a transfer sent in the morning from mBank showed up in Invity by lunchtime). That said, thanks to the MiCA license, a “normal” bank should be added soon. The easiest setup is a standing order set to the date shown in the app.

One mildly confusing thing: the date shown in Invity is not critical. The bitcoin purchase happens whenever the money arrives. Sending it earlier or later is fine. Just be aware that it can confuse the app a bit — for me, money sent to arrive on the 9th was expected on the 10th, and the app still showed “waiting for payment from the 10th” as late as the 15th. It’s easiest to just send money when the app expects it 🙂 Invity has told me this bug should be fixed soon.

And that’s it. Once you’ve set up Turbo, there’s nothing else to do — just send money to Invity on the right date.

How to monitor your liquidation risk

This is explained and visualized perfectly in the app. You can see which risk zone your savings are currently in, when you’d receive which type of alert, and at what point liquidation would occur.

How to exit Turbo

I won’t actually experience this until several years from now, since this is a long-term test. But here’s the theory for now. You can stop saving at any time, which means you need to repay the debt and all fees. The debt is settled by Invity selling a portion of your bitcoin equal to the amount owed in CZK. You can see exactly how much you owe directly in the app. Note that it makes very little sense to exit after just a few weeks – you’ll almost certainly lose money on fees alone. The magic of DCA is that it works better the longer you run it. So thinking about exiting only really makes sense after several years – but technically you can do it at any time.

In the future, there should also be an option to settle the debt with a separate fiat payment – the advantage being that it wouldn’t trigger a taxable event, unlike selling bitcoin, which currently does.

Also worth noting: while Turbo is active, you cannot send your purchased bitcoin to your own wallet, as it must remain available to cover the debt if needed. This is different from standard DCA, where you can transfer purchased bitcoin to your wallet immediately – and even automatically. In Turbo, your bitcoin isn’t held directly by Invity but by professional custodian BitGo, which manages over $100 billion in assets this way.

My long-term test so far

As mentioned, I’ve been testing Invity Turbo long-term, buying bitcoin every 14 days for 1,250 CZK since December 29, 2025. You can follow how my savings are performing in the public Google spreadsheet. I also share regular updates on the test on my Twitter (X) — feel free to follow me there.

Conclusion

I’m not going to judge the outcome of the savings here. I’m convinced that over the long term it will always come out ahead. But reality will speak for itself in time.

Invity Turbo is, in my view, a great idea and technically it works flawlessly. It’s probably not a service for hardcore bitcoiners or financial specialists who can design something like this themselves. But for people who know a little about bitcoin, want to save into it beyond plain DCA, and don’t want to deal with leveraged trading themselves, it’s a solid service and I’d recommend giving it a try. And if they manage to bring down the cost of borrowing, it’ll be even better.

Pros

Cons

I want to try Invity Turbo too
(with a lifetime 10% discount on fees)

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