How Stackk compares
Most Bitcoin apps hold your coins for you, and Stackk never does
| Stackk | Cash App | River | Strike | Swan | Coinbase | |
|---|---|---|---|---|---|---|
| Who holds your Bitcoin | You, in your own vault | Cash App, until you withdraw | River, until you withdraw | Strike, until you withdraw | A custodian, until you withdraw | Coinbase, until you withdraw |
| Can they freeze your money | No | They can restrict accounts | They can restrict accounts | They can restrict accounts | Its custodian can | They can restrict accounts |
| Sign-up and ID check | None, just a wallet | ID check | ID check | ID check | ID check | ID check |
| Pay with | USDC, ETH, SOL and more, from 15+ chains | Bank, card or balance | US bank | Bank or card | US bank | Bank or card |
| Who can use it | Anyone with a crypto wallet | US, not every state | US, except Nevada and New York | 100+ jurisdictions | Mostly the US | Many countries |
| Cost of a recurring buy | 0.25% + about 0.2% swap | No fee or spread stated | Free after the first buy | Free after the first week | 1% (first $250 free for new clients) | A spread plus a fee that varies |
| Sends Bitcoin to your own wallet automatically | Yes: tokens each buy, real Bitcoin in batches | To a Bitkey wallet (reported) | Manual withdrawals | Yes, once you pass 0.01 BTC | Yes, weekly or above a set balance | Manual withdrawals |
Other apps’ details are from their public pages and reviews in October 2026 and can change
One by one
Why it matters
Your Bitcoin stays yours
When an app holds your Bitcoin, it’s only as safe as that company
No forms or ID uploads
Connect a wallet you already have and set up a plan in a few minutes
Pay with what you have
USDC, ETH, SOL and more, from the chain you already use
When another app might suit you better
If you only pay from a US bank and don’t mind an app holding your Bitcoin, Cash App and River cost less