Overview
- Users can pay BTC-accepting merchants from their USD balances, with Cash App converting to bitcoin instantly at checkout.
- Cash App says the flow does not reduce existing bitcoin holdings or create taxable sales for customers.
- The app now includes a Bitcoin Map that locates participating businesses and supports Lightning QR code payments.
- USD payments over the Lightning Network are scheduled for later in November, and stablecoin send/receive access is planned to begin early next year.
- Availability depends on regulatory approvals, excluding New York and certain non‑U.S. users, with deeper Bitkey self-custody integration targeted for 2026.