Ex-Revolut Team Offers Leveraged Bitcoin Strategy to Build Retail Crypto Wealth5 days ago7 min read999 comments

The old guard of traditional finance would have you believe that building wealth is a slow, steady grind, a marathon of prudent saving and cautious investment. But in the cavernous, often impenetrable halls of high finance, the real game has always been played with other people's money—a privilege meticulously reserved for the institutional elite and the already wealthy.This is the foundational hypocrisy that London-based crypto firm Neverless, founded by a trio of ex-Revolut executives, is aiming to shatter with its newly launched 'Boosted Bitcoin Plan. ' This isn't just another incremental product in the crowded crypto-fintech space; it's a direct, provocative challenge to the systemic inequities of the global financial system.The core concept is deceptively simple, yet its implications are profound: take the time-tested, volatility-dampening strategy of dollar-cost averaging—where an investor routinely buys a fixed amount of bitcoin regardless of price—and supercharge it with leverage, allowing retail users to effectively borrow up to five times their recurring contribution. The platform automates the entire, often complex, process of purchasing and lending, using deposited euros or existing crypto assets as collateral, thereby removing the traditional barriers of margin calls and manual loan management that have historically deterred the average person.Neverless CEO Phuc To, who previously steered product development at Revolut, cuts to the heart of the matter with a clarity that borders on revolutionary fervor. He articulates a stark dichotomy that defines modern economic life: 'Institutions can raise capital and banks give wealthy people loans to buy assets that actually grow.And what do ordinary people get? Credit cards that put us in debt. ' This statement isn't merely a marketing pitch; it's a damning indictment of a system designed to keep capital flowing upwards.To’s vision for Neverless is explicitly to arm the retail class with the same 'financing power' long enjoyed by the 1%, enabling them to 'own a piece of the century’s best performing asset for yourself — and build wealth the way rich people do. ' This is a radical departure from the paternalistic narrative often pushed by mainstream financial advisors, who typically counsel against leverage for the common investor, all while their firms engage in leveraged buyouts and speculative derivatives trading on a colossal scale.The introduction of such a product is only possible because of the unique properties of Bitcoin itself—a globally recognized, non-sovereign, censorship-resistant hard asset that can be used as pristine collateral in a way that a speculative stock or a piece of real estate entangled in legalities simply cannot. Since its founding in 2022, Neverless has been building towards this moment, first establishing itself as a fee-free gateway to over 500 cryptocurrencies and providing retail access to DeFi assets that were previously the domain of crypto-natives and sophisticated traders.Their progress has been significant; securing $6. 7 million in seed funding and, crucially, a MiFID license last year signaled a serious intent to operate within regulatory perimeters, a move that separates them from fly-by-night offshore exchanges.Growing to 50,000 users and processing over $1 billion in trading volume provides a foundation of trust and operational scale necessary for launching a leveraged product. However, this bold strategy is not without its inherent and significant risks.Leverage is a double-edged sword, a tool that can amplify gains as easily as it can magnify losses. A sudden, sharp downturn in Bitcoin's price could lead to rapid liquidations for over-extended users, a scenario all too familiar to those who witnessed the cascading failures in the centralized lending space in 2022.The very automation that makes the product accessible could also become a mechanism for swift, impersonal financial pain. Critics will rightly question whether encouraging retail investors to use leverage is responsible, arguing that it could expose financially vulnerable individuals to catastrophic losses.Yet, this critique often ignores the fundamental reality that the existing system offers no viable path to wealth generation for the average person—only a slow path to debt-financed consumption. The Neverless 'Boosted Bitcoin Plan' represents a philosophical bet on individual sovereignty and financial self-determination.It posits that the tools of capital formation should not be hoarded by a privileged few but democratized and made accessible to all, with the understanding that individuals are capable of managing their own risk, provided they are given transparent, well-designed tools. This is the essence of the crypto ethos, and in the hands of a seasoned team with a track record at one of the world's most disruptive fintech giants, it has the potential to catalyze a meaningful shift.It’s not merely about accumulating more bitcoin; it’s about challenging the very architecture of financial power and offering a tangible, operational alternative. In a landscape cluttered with pointless altcoins and speculative nonsense, this focused, leverage-enabled assault on traditional financial gatekeeping is a refreshingly pure application of Bitcoin's original promise: a system for the people, not the palaces.