What is your favourite crypto–fiat bridge?

Over time, a lot of people end up using some kind of “bridge” app between exchanges and their bank: something with both crypto and fiat balances, bank transfers, maybe a card.

Two examples from recent testing are Nebeus and Keytom, and they show how different these bridges can feel.

• Nebeus acts more like a small digital bank. It gives a multi‑currency wallet (fiat + crypto), a named IBAN, card, swaps, and even extras like yield and lending. That’s nice if profits are parked for a while and there’s a plan to earn a bit on top, but it can feel heavy for simple “sell → get fiat → withdraw” flows.
• Keytom stays much leaner. It focuses on a EUR account with IBAN, a set of crypto/stablecoin wallets, swaps, SEPA / SEPA Instant payouts, and a virtual card. No big staking or loan section – more of a straight pipe: money in, convert, send out or spend. Fees are shown before each swap or transfer, which helps keep track of what every move costs.

Both are KYC‑based services, so they’re not for people chasing full anonymity, and neither is a complete replacement for banks or exchanges. But as thin layers between trading and everyday spending, they can reduce how many steps it takes to move value around.

The interesting part isn’t just these two, though – everyone seems to end up with their own setup.

What is your favourite crypto–fiat bridge right now?