Bitcoin Magazine Podcast The German Bitcoin Advantage: aifinyo CEO Garry Krugljakow | BFC Ep. 20
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Nov 6, 2025 Garry Krugljakow, CEO of aifinyo, shares insights from Germany’s fintech landscape as his company pivots to incorporate Bitcoin as a treasury strategy. He discusses the advantages of Germany's tax structure and capital markets for Bitcoin adoption. Garry explains the unique debt instruments available for financing Bitcoin while balancing traditional operations with their new strategy. He also highlights the cultural readiness in Germany for Bitcoin, addressing misconceptions and the need for enhanced financial literacy to spur widespread adoption.
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Bitcoin's Institutional Validation
- Bitcoin proved itself battle-tested and earned institutional acceptance over the late 2010s and early 2020s.
- This durability convinced regulators and Wall Street to integrate rather than ignore Bitcoin.
Fintech Roots Pivot To Bitcoin Treasury
- Garry describes Afinio's fintech origins: a cloud platform for invoice financing, factoring, and merchant financing serving ~8,000 SMEs.
- After stagnant stock-market appreciation, management pivoted Afinio toward a Bitcoin treasury strategy with Garry leading it.
Use Operations To Fund Accretive BTC Buys
- Maintain the operating business to provide steady cash flow that funds accretive Bitcoin purchases.
- Build a small dedicated Bitcoin team for education, reporting, and investor relations while keeping operations stable.