Buy Anything. Pay Later.
Keep Your Bitcoin.
SatsPay lets you shop online using your Bitcoin as collateral—without selling it. Get instant approval, flexible repayment terms, and keep your sats stacking.
How SatsPay Works
SatsPay lets you shop online using your Bitcoin as collateral—without selling it. Here's how it works.
Connect Your Wallet
Start by connecting your Bitcoin wallet to SatsPay. This allows us to verify your Bitcoin holdings and calculate your purchasing power.
What you'll need:
- A bitcoin wallet
- Some sBTC in your wallet
Choose Your Purchase
Browse our marketplace for partner stores or enter details for external purchases. You can use SatsPay anywhere online.
Lock sBTC as Collateral
Lock your sBTC as collateral for your purchase. SatsPay typically requires 125% of the purchase value to protect against Bitcoin price volatility.
Example:
$500 purchase
0.009615 BTC
Your Bitcoin remains in your ownership via a non-custodial smart contract. If Bitcoin's value increases during your loan term, you keep all the upside!
Enjoy Your Purchase & Repay Later
Complete your purchase immediately. When your repayment is due (30, 60, or 90 days later), repay the loan amount plus a small fee in either Bitcoin or fiat currency.
Repayment Options:
- Pay with Bitcoin directly from your wallet
- Pay with USD or other fiat currencies