Sats Terminal is the all-in-one app for your bitcoin life. Buy, Borrow, Earn, Spend. Full access from your first dollar with no VIP gates. Buy BTC with card, Apple Pay, or bank, straight into self custody. Borrow against your BTC instead of selling it, routed to the lowest rate across major lenders. Earn on USDC, no lockups. Spend anywhere: gift and prepaid cards for 6,000+ merchants in 180 countries. No KYC required. Backed by Draper Associates, Coinbase Ventures & YZi Labs.

Most bitcoin apps make you choose: a wallet that holds your BTC but does nothing with it, or a neobank that puts it to work but keeps your keys and locks the best rates behind $10k VIP tiers. Sats Terminal is both sides: a self-custodial app where you Buy, Borrow, Earn, and Spend bitcoin, with best rates across every major provider. Everyone gets full access from their first dollar: no tiers, no KYC, no credit checks, and zero gas.

Hey everyone, Juga here from the Sats Terminal team 🟠 Some background on us: we're a team of crypto nomads. We've lived out of backpacks, gotten cards declined in countries our banks didn't approve of, juggled wallets, exchanges, lending desks and yield platforms, and watched "crypto-friendly" apps lock their best rates behind $10k VIP tiers. This is the app we built after trying everything else. It's the one we actually use every day now: buy BTC straight into self custody, borrow against it instead of selling (we route across major lenders to find the lowest rate), earn on USDC from the first dollar, and spend anywhere through gift cards and prepaid cards, no KYC. Everything is free, there are no tiers, and we pay the gas. We'd love honest feedback, especially from anyone living the multi-app life we just escaped. What's missing? What would make you switch? We're around all day and answering everything :)

Sats Terminal

Buy, Earn, Borrow, Spend with Bitcoin

Buy, Earn, Borrow, Spend with Bitcoin

Sats Terminal Mobile App

Previous Sats Terminal Launches

Previous Sats Terminal Launches