Lightning Banking Apps
Neobanks and payment apps allowing fiat transactions via Lightning rails.
Xapo Bank - Bitcoin Banking with Interest, Loans, and Global Spending
Xapo Bank offers a private, members-only banking service for Bitcoin holders, providing interest-bearing accounts in Bitcoin, instant loans based on asset value, and global spending with a Bitcoin-powered card. The bank features robust security with triple-layered protection and is regulated in Gibraltar.
Revolut - Banking & Global Financial Services
Revolut is a neobank offering a comprehensive financial platform with global currency support, international money transfers, savings accounts with up to 4% AER interest, and investment in stocks and ETFs. It provides a mobile-first banking experience with no-kyc limits for spending abroad and access to virtual and physical cards. The service accepts fiat payments and does not support Bitcoin or Lightning Network transactions.
Shakepay - Lightning Network Bitcoin Payments
Shakepay now accepts Lightning Network payments, enabling instant and low-cost Bitcoin transactions. Users can send and receive Bitcoin in seconds with no setup required, making Bitcoin practical for everyday use.
Bringin - The Complete Bitcoin App for Self-Custody and Lightning Payments
Bringin enables users to buy, sell, and spend Bitcoin seamlessly with instant SEPA transfers and Lightning Network payments. Users get a fully regulated virtual IBAN, a self-custodial Lightning wallet, and a Visa debit card funded by Bitcoin. All transactions are non-custodial, with no fees on usage and full control over private keys. Designed for European Bitcoiners, it supports instant bank transfers and tap-to-pay via Lightning.
Cash App - Lightning Network Payments
Cash App now accepts Lightning Network payments, enabling fast, free, and instant Bitcoin transactions. Users can pay for goods and services like beer in El Salvador, tip friends, or send money abroad with no fees. The service supports Lightning payments through its app interface and is available globally.
Cash App - Send, Receive, Invest, and Manage Your Money with Bitcoin and Debit Cards
Cash App is a financial services platform that allows users to send and receive money instantly, spend with a secure debit card, invest in stocks and bitcoin, and manage their finances—all without hidden fees. It supports Bitcoin on-chain transactions and offers a debit card with no monthly fees, real-time alerts, and spending rewards. The app also provides tools for saving, splitting bills, and protecting against fraud with Zero Fraud Liability and FDIC insurance on prepaid cards.
Blink - How to Sell Bitcoin with Fiat Bank Transfer
A step-by-step guide on how to sell Bitcoin using the Blink app and transfer funds to your bank account via fiat. The process includes selecting your bank, entering transfer details, and confirming the transaction. Money typically takes 1 hour to 1 day to reach your account, with updates sent to your email.
Bitcoin Fortress - Proof of Reserves in Bitcoin Banking
A detailed blog post explaining the importance of Proof of Reserves (PoR) in Bitcoin banking, focusing on transparency, trust, and security in custodial services. The article analyzes current adoption across Bitcoin banks, exchanges, and ETFs, and discusses regulatory implications and industry challenges.
Bipa - Bitcoin Payment & Cashback Services
Bipa is a Brazilian fintech that enables users to buy, hold, and spend Bitcoin using the Pix and credit card. It offers cashback in Bitcoin on every purchase via Satsback®, supports Lightning Network for instant transactions, and allows users to earn Bitcoin from their daily Real deposits through CDI. The service provides a seamless, no-fee recurring purchase option and integrates Bitcoin into daily spending with real-time conversion and automatic rewards.
River - Bitcoin Banking and Wallet Services
River enables users to buy and sell Bitcoin instantly with zero fees on recurring purchases. It offers full reserve custody, a secure wallet for storing Bitcoin, and earns 3.3% interest on cash paid in Bitcoin. The platform accepts fiat and Bitcoin payments, provides a mobile app for managing assets, and supports secure, private Bitcoin transactions with no-kyc options for some features.
Strike - Bitcoin Payments for Global Users
Strike offers a Bitcoin-powered payments app that enables users to send and receive Bitcoin and Tether across 65 countries. The service supports Lightning Network transactions, allows peer-to-peer transfers, and includes features like Send Globally for cross-currency transfers. It is designed as a frictionless, no-KYC alternative to traditional crypto exchanges, focusing on global access and decentralized finance.
GaloyMoney - Bitcoin Banking Infrastructure for Financial Institutions
GaloyMoney provides open-source banking infrastructure for financial institutions to integrate Bitcoin and digital assets into their products. Their modular platform supports Bitcoin-backed lending, secure Bitcoin payments, and custody services, with a focus on security, compliance, and transparency. Built with modern, event-driven architecture and ISO 2701 certification, the platform enables non-custodial, Bitcoin-native financial services.
JWallet - Universal Payment Service for Bitcoin and Fiat
JWallet is a global payment service that allows users to manage funds through a secure, intuitive interface. It accepts Bitcoin on-chain and supports bank transfers, enabling fast deposits and withdrawals with no hidden fees. The platform offers full transaction protection, 24/7 support, and operates in over 100 countries with no account required for initial access.