Finance
Finance
Financial services including bill pay, loans, and payment tools that accept Bitcoin and other cryptocurrencies.
Bitcoin 
Ethereum 
USD Coin 
Tether USD 
Litecoin 
Solana 
XRP 
Bitcoin Cash 
Dogecoin 
TRON This section covers services that help you use crypto for financial tasks beyond simple retail purchases. As cryptocurrency adoption grows, financial infrastructure around crypto has matured significantly, offering tools for bill payments, lending, and everyday spending.
Paying Bills with Crypto
One of the most practical uses of cryptocurrency is paying everyday bills. Several platforms enable this:
- Living Room of Satoshi — Pay any Australian bill with Bitcoin
- Spritz Finance — Pay US credit cards and bills with crypto
- AT&T — Major US telecom provider accepting Bitcoin directly
- PayPal — Checkout with Crypto for bill payments where PayPal is accepted
These services bridge the gap between crypto holdings and traditional financial obligations, eliminating the need to sell crypto into a bank account before paying bills.
Crypto-Backed Loans
For crypto holders who need cash but don’t want to sell their assets, crypto-backed lending platforms offer an attractive solution:
- Ledn — Bitcoin-backed loans with competitive rates
- Unchained — US-based Bitcoin collateralized lending
- Nexo — Instant crypto-backed credit lines
- Firefish — Peer-to-peer Bitcoin-backed lending
- Arch Lending — Crypto-backed mortgage and lending solutions
- Salt Lending — Blockchain-backed loans
The advantage of crypto-backed loans is maintaining exposure to potential asset appreciation while accessing liquidity. Interest rates are typically competitive with traditional personal loans, and approval is often instant without credit checks.
Payment Tools and Infrastructure
Beyond direct merchant acceptance, payment tools help you use crypto anywhere:
- PayPal — Checkout with Crypto at millions of merchants
- Moon — Virtual Visa cards funded by crypto
- MyNodePay — Shop at major online retailers with crypto
- NowPayments — Payment processor for merchants accepting crypto
- CoinGate — Payment gateway and gift card platform
Crypto Debit Cards
For physical stores and any merchant that accepts card payments, crypto debit cards convert your holdings to fiat at the point of sale:
- Coinbase Card — US-based Visa debit card with crypto rewards
- Nexo Card — Global card with up to 2% cashback
- Crypto.com Visa — Tiered rewards program
- Wirex Card — Multi-currency card with crypto support
- Plutus Card — European crypto rewards card
Financial Tips for Crypto Users
- Consider tax implications — Crypto payments and loans may have tax consequences in your jurisdiction
- Compare loan-to-value ratios — Different lenders offer different LTV rates (typically 25-70%)
- Monitor liquidation thresholds — Crypto-backed loans can be liquidated if collateral value drops significantly
- Use stablecoins for bill pay — Avoid volatility when scheduling regular payments
- Stack rewards — Some crypto cards offer cashback in crypto, effectively giving you a discount on every purchase
Subcategories
- Bill Pay (8)
- Loans (8)
- Payment Tools (11)
Listings
- APX Lending — Canada and US-compliant crypto-backed lender offering Bitcoin and Ethereum collateral loans with insured cold storage custody and no credit checks.
- Arch Lending — Crypto-backed lending platform offering loans against Bitcoin, Ethereum, and Solana collateral with rates starting at 7.25% APR and qualified custodian security.
- AT&T — Pay your AT&T phone, internet, and TV bills with Bitcoin, Ethereum, and other cryptocurrencies via BitPay — the first major US carrier to accept crypto.
- Bitcoin POS Pay — Point-of-sale and e-commerce payment system designed for merchants to accept Bitcoin payments directly, without a third party.
- Bitcoin Well — Canadian platform to pay bills with Bitcoin, including Lightning Network payments.
- BTCFactura — Issue legal crypto invoices and manage crypto-to-fiat payments with 15+ cryptocurrencies via CoinGate.
- CashuPayServer — BTCPay-compatible payment gateway for accepting Bitcoin without a custodial processor.
- DexterLab — Crypto analytics tools and trading dashboards accepting cryptocurrency payments via CoinGate.
- Fat Property — Houston-based property management company that was an early Bitcoin adopter in 2013 and now accepts on-chain BTC rent payments with a $25 credit incentive.
- Firefish — Non-custodial peer-to-peer Bitcoin-backed lending marketplace to borrow fiat without selling Bitcoin.
- Ledn — Crypto lending platform offering Bitcoin-backed loans so you can access cash liquidity without having to sell your Bitcoin.
- Lend at Hodl Hodl — Non-custodial peer-to-peer lending platform where you can borrow or lend against Bitcoin collateral without a middleman.
- Live On BTC — Digital downloads and toolkits sold with direct Bitcoin checkout via BTCPay.
- Living Room of Satoshi — Australian bill payment service to pay BPAY bills with crypto from your wallet.
- Moon — Convert Bitcoin, Ethereum, USDC, or USDT into virtual Visa cards and gift cards to spend at any online retailer.
- MyNodePay — Service that lets you shop at major online retailers and pay using Bitcoin, Ethereum, USDT, or SOL through a crypto bridge.
- Nexo — Crypto lending platform offering instant credit lines backed by Bitcoin or Ethereum as collateral, without selling your assets.
- NOWPayments — Crypto payment gateway for businesses accepting 350+ cryptocurrencies including Bitcoin, Ethereum, and stablecoins with auto-conversion and fiat settlement options.
- PayPal — Use PayPal's Checkout with Crypto to pay at millions of merchants with Bitcoin, Ethereum, Litecoin, Bitcoin Cash, and stablecoins.
- Rezides — Modern property management platform that lets landlords collect rent via bank transfer, credit card, or cryptocurrency with zero fees on crypto. Supports Bitcoin, Ethereum, Solana, XRP, and Litecoin rent payments.
- SALT Lending — Crypto-backed lending platform that lets you borrow cash using Bitcoin as collateral, without selling your digital assets.
- Sheepy — Crypto payment platform offering gateway services, mass payouts, and API integration for businesses accepting Bitcoin, Ethereum, stablecoins, and major altcoins.
- Spritz Finance — Pay bills and subscriptions with crypto using on-chain payments from your wallet.
- Unchained — Bitcoin-collateralized loans with custody options designed for long-term Bitcoin holders.
- withBitcoin.org — BTCPay Server hosting where payments go directly to the merchant wallet (no middleman custody).
- Zypto — Pay bills with crypto in 126 countries using Bitcoin, Ethereum, and 100+ other cryptocurrencies via the Zypto App and Zypto Pay gateway.