Your Bitcoin bank

Securely store BTC, borrow in your local currency, and spend anywhere with local e-wallets, bank rails, and a Visa® debit card, without selling your Bitcoin.

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See how it works

Regulatory-first

Bank-grade custody

No rehypothecation

24/7 support

Bank-grade custody to hold your Bitcoin

Bank-grade custody to hold your Bitcoin

MPC/multisig vaults, segregated client assets, independent audits.

Borrow in local currency—keep your BTC

Borrow in local currency—keep your BTC

Access a conservative line of credit (default 70% LTV) without selling your stack.

Spend locally, instantly

Spend locally, instantly

Top up popular e-wallets, make bank transfers, and tap your Visa debit card.

Built for SEA

Built for SEA

Cash in and out with PayNow, QR PH, other domestic payment rails of SEA countries

Keep your upside. Unlock liquidity.

Selling BTC to cover expenses breaks compounding and can trigger taxes. With Stack’d, deposit BTC, set your target LTV, and borrow in your local currency. Repay anytime; your BTC stays put.

BTC
USD
Including fees
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We’ll nudge you if your LTV rises. Top up or repay in a tap.

Bank-grade security for Bitcoin. Built in partnership with Fireblocks

Custody

MPC with segregated client assets, insured deposits

Monitoring

24/7 risk engine + automated margin alerts

Compliance

KYC/AML in line with local regulation; transaction screening

Transparency

Independent audits; proof-of-reserves (where applicable)

Learn more

Local e-wallets, bank rails, and a Visa® debit card

E-wallets & bank rails

PayNow (SG), major PH/ID/TH/VN wallets, local bank transfers.

Visa® debit card

Tap, swipe, or add to mobile wallets (where available).

Controls

Freeze card, set spend limits, get real-time alerts.

Get the card

* Card issued by licensed partners. Features and eligibility vary by country.

Words From
our Community

I finally use my BTC
without selling.

— Maria, SG

Payroll float solved with BTC as collateral.

— Daniel, PH

Frequently asked questions

Are you a bank?

Stack’d is a digital asset financial app, not a licensed bank in the traditional sense. We work with regulated partners for card issuing and local payment rails.

Do I lose my BTC when I borrow?

No. Your BTC is held in your account as collateral. Our custody partner, Fireblocks, holds and insures deposits. Repay to withdraw any time, subject to Loan-To-Value (LTV) and risk thresholds.

What happens if BTC price drops?

We notify you way ahead of time. You can top up collateral or repay to reduce LTV. Liquidation is a last resort.

Which wallets are supported?

On-chain BTC deposits from major wallets; self-custody friendly.

Where can I spend?

Wherever Visa® is accepted (subject to issuer and region), plus supported local e-wallets and bank rails in your country.

Secure your assets
For the Future
Secure your assets
For the Future