Lightning Banking Apps
Neobanks and payment apps allowing fiat transactions via Lightning rails.
Xapo Bank - Global Bitcoin Banking with Security, Earn, and Spend
Xapo Bank offers a secure, members-only banking service for Bitcoin holders, enabling custody, spending, earning interest in Bitcoin, and borrowing with instant liquidity. Features include up to 4% APY on Bitcoin investments, global spending without FX fees, and triple-layer security using MPC technology and underground vaults.
ForkLog - BlockFi Visa Card with Bitcoin Cashback
BlockFi has launched a Visa credit card that offers 1.5% to 2% cashback in Bitcoin for eligible purchases, with no annual fees or foreign transaction charges. The card allows users to earn Bitcoin directly from everyday spending, with a special 3.5% bonus for new users in their first 90 days.
Revolut - All-in-One Finance App for Global Money Management
Revolut is a comprehensive banking and finance app that allows users to manage money across multiple currencies, send international transfers, and invest in stocks and commodities. It offers a range of features including virtual and physical cards, savings with interest, and secure fraud protection. The app supports fiat transactions and accepts traditional payment methods, but does not offer Bitcoin or Lightning Network payments.
Bitwala - Bitcoin Wallet and Visa Card Service
Bitwala provides a self-custody Bitcoin wallet and a Visa card for everyday spending. Users manage Bitcoin and Ethereum directly in their wallet, spend instantly with their Visa card, and enjoy full control over their assets without relying on exchanges or third-party custodians.
Cash App - Send, Receive, Invest, and Manage Money with Debit Cards and Bitcoin
Cash App is a financial services platform that allows users to send and receive money instantly, use a secure debit card, invest in stocks and Bitcoin, and manage their finances with no hidden fees. It supports Bitcoin on-chain transactions and offers Lightning Network payments for fast, low-cost transfers. Features include savings with interest, peer-to-peer payments, and fraud protection.
Blink - How to Sell Bitcoin with Your App
A step-by-step guide on how to sell Bitcoin using the Blink app. Users can initiate a sell transaction, enter their bank details, and receive funds via fiat transfer. The process supports USD-based selling and requires bank account verification.
CoinGecko - Top Crypto Cards for 2026
CoinGecko provides a comprehensive guide to the top crypto cards in 2026, covering features, fees, and use cases for debit, credit, and prepaid cards. These cards allow users to spend digital assets like Bitcoin and stablecoins directly in everyday transactions, with options for cashback, interest earnings, and multi-chain support. The guide includes detailed comparisons of leading platforms such as Nexo, Coca, Bitget, Brighty, Cypher, Coinbase, Bybit, ether.fi, MetaMask, and KAST.
Bipa - Bitcoin Payment & Cashback Services with Lightning Network
Bipa is a Brazilian fintech that enables users to buy and spend Bitcoin using Pix and credit cards, with cashback in Bitcoin on every transaction. The service supports Lightning Network for instant, low-cost payments and offers zero fees for recurring purchases. It provides a mobile app with features like Satsback cashback, automatic Bitcoin purchases via Pix, and seamless integration of Bitcoin and USDT into daily spending.
SparkWallet - Instant 5% Cashback on Everyday Spending
SparkWallet is a rewards app that offers 5% instant cashback on all purchases using virtual Visa® debit cards. Users earn rewards automatically with no credit checks or interest. The service accepts fiat currency and supports instant rewards on everyday spending like groceries, gas, and subscriptions.
DitoBanx - Digital Financial Services for Individuals and Businesses with Bitcoin and Lightning
DitoBanx provides digital financial services in El Salvador, including access to Bitcoin and Lightning Network payments. The platform offers banking-like solutions for individuals and businesses, with secure, regulated services that support fast, low-cost transactions via the Lightning Network. Features include a digital wallet, payment terminals, and financial infrastructure for small and medium enterprises.
Strike - Bitcoin-Powered Global Payments App
Strike offers a Bitcoin-based payment app that enables users to send and receive Bitcoin and Tether across 65 countries, with support for Lightning Network transactions. The app focuses on frictionless onboarding and serves as a decentralized alternative to traditional payment apps like Venmo or Cash App.
Fold - Bitcoin Rewards and Spending via Prepaid Debit Card
Fold offers a prepaid debit card that earns Bitcoin rewards on every purchase. Users earn sats (satoshis) for shopping and bill payments, with the option to use Bitcoin for transactions and get rewards back on eligible payments. The service accepts fiat and Bitcoin payments, with no KYC required for users.
GaloyMoney - Bitcoin Banking Infrastructure for Financial Institutions
GaloyMoney provides open-source banking infrastructure for financial institutions to integrate Bitcoin and digital assets into their operations. Their modular platform supports Bitcoin-backed lending, secure payments, and custody solutions, built with modern, secure, and transparent architecture. The platform is designed for compliance, extensibility, and auditability, with all code available as open-source.
JWallet - Universal Payment Service with Bitcoin and Fiat Support
JWallet is a global payment service that allows users to manage funds through a secure, user-friendly interface. It supports both Bitcoin on-chain transactions and fiat currency deposits and withdrawals, offering fast deposits and withdrawals with no hidden fees. The platform provides full transaction protection, 24/7 customer support, and operates across 100+ countries with a simple one-click registration process.