Buy Bitcoin with Credit Card Instantly
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$10,000 Daily Purchase Limit | Simple KYC Requirements
Daily purchase limit is up to $10,000 and monthly purchase limit is up to $50,000. You can pay with major credit cards, including Visa and Mastercard. We also accept certain debit, prepaid, and virtual cards. Note, however, that some issuer banks may decline the charge. KYC (Know Your Customer) regulations require us to learn more about our clients’ identity. As a result, proof of your ID and selfie are required to purchase Bitcoin on our website.
Why Bitcoin Is a Good Investment
Bitcoin Investment Thesis
First, Bitcoin is a new alternative asset class that may offer an asymmetric investment return. Second, Bitcoin is not much correlated with traditional asset classes such as bonds and stocks. As a result, it can help investors not only receive substantial return but also efficiently diversify their investment portfolios. Most importantly, Bitcoin has a disinflationary economic model unlike traditional fiat system, which may cause its further value appreciation. Finally, because of its disinflationary model, Bitcoin may provide a useful hedge for inflation, especially during the economic recession.
Our Bitcoin Price Forecast
The Bitcoin supply decreases by half every four years, and the last halving event took place in May 2020. We expect that the lack of new supply will cause the future increased demand for Bitcoin. Moreover, Bitcoin halving has been historically an extremely positive event for its price action. We think that Bitcoin price will be increasing substantially over time, taking into account its disinflationary monetary model and growing institutional investors’ demand. Therefore, it makes sense to buy Bitcoin with credit card on our website with the purpose of investment portfolio diversification.
Next Bitcoin halving event is expected in 2024, when Bitcoin block reward will be reduced to 3.125 bitcoins per block from the current amount of 6.25 bitcoins per block. This means the daily Bitcoin supply will be reduced to approximately 450 bitcoins per day from the current supply of approximately 900 bitcoins per day. We assume that Bitcoin price will continue increasing, due to the algorythmically predetermined decrease of its supply and presumably steady if not increasing demand from both institutional and retail investors.
Portfolio Diversification with Bitcoin
New asset classes such as Bitcoin are rare and powerful because they may offer a substantial return stream while providing a solid diversification benefit. Indeed, Bitcoin has largely maintained a low correlation with most traditional asset classes such as stocks and bonds. Based on Fidelity Digital Assets survey, more than 60% of surveyed institutions indicated that digital assets may become a part of their investment portfolios. Therefore, institutional investors may purchase Bitcoin and other digital assets with the purpose of their investment portfolios diversification.
Even a small allocation to Bitcoin can enhance risk-adjusted return of the investment portfolio. Based on the assumed risk and return of the traditional global 60/40 portfolio and Bitcoin, the traditional global 60/40 (95% allocation) + Bitcoin (5% allocation) hypothetical simulated portfolio would generate roughly 500 bps of additional return on an annualized basis when compared to the traditional global 60/40 portfolio, at the same level of risk. Therefore, Bitcoin investment can significantly improve investment portfolio performance and increase its risk-adjusted returns.
Bitcoin Investment Landscape
Bitcoin challenges modern monetary theory and provides exciting investment opportunities, helping investors build more efficient and diversified portfolios with higher returns. The investor demand for Bitcoin is increasing significantly as the market infrastructure matures and new Bitcoin investment products are becoming available. We expect that more institutions will invest in Bitcoin in the next few years to diversify their investment portfolios and hedge inflation risks.
Fidelity Investments, one of the largest asset managers in the world, is building Bitcoin custody and trading platform for institutional clients. CME Group has been offering Bitcoin futures since December 2017 and recently launched Bitcoin options, both of them cash-settled. Multi-billion-dollar hedge funds, largest endowments, and a few U.S. pension funds have already invested in the blockchain space. This will likely trigger a chain reaction among other institutions.
Based on the Fidelity Digital Assets research conducted in 2020, more than 35% of the U.S. and European institutional investors have already invested in digital assets. 25% of surveyed institutions have exposure to Bitcoin, the largest by market cap and the most secure and liquid digital asset. Institutional investors in the United States and Europe are willing to buy Bitcoin and other crypto assets because they are not correlated to other asset classes and may provide high return.
Bitcoin Investment Products
More than 80% of institutional investors surveyed by Fidelity Digital Assets confirmed they are interested in new investment products, which performance is linked to Bitcoin and other digital assets. The majority of institutions currently have exposure to Bitcoin through Grayscale Bitcoin Trust (GBTC) and crypto hedge funds that use passive investment approach, such as Bitwise Bitcoin Fund. These Bitcoin investment products are suitable for institutional investors with the medium and long-term investment horizon.
Crypto hedge funds that use active investment approach and algorithmic trading when they invest in Bitcoin typically overperform passive investment vehicles. However, they need to use advanced risk management tools to avoid losses as the Bitcoin market is quite inefficient. Overall, investors should keep in mind that Bitcoin market infrastructure is still nascent and driven by speculative interest. Therefore, it’s highly important to use smart hedging techniques and avoid high leverage trading to mitigate potential investment risks.
How Institutions Invest in Bitcoin
Institutional investors typically have strict requirements in terms of risk management and compliance with applicable securities laws and regulations. They usually allocate only a small part of their investment portfolio to new asset classes such as Bitcoin, primarily with the purpose of investment portfolio diversification. Currently, institutions can either buy Bitcoin directly or get indirect exposure through available Bitcoin investment products. Institutional investors typically have direct exposure to Bitcoin using cryptocurrency exchanges and OTC trading desks. Institutions rarely buy Bitcoin with credit card, as they usually purchase Bitcoin in large amounts and use wire transfers to facilitate such transactions.
Many institutional investors still do not have exposure to Bitcoin because of the regulatory uncertainty, lack of reliable valuation models, and high market risks. At the same time, institutions are interested in allocating capital to Bitcoin because it’s not highly correlated with traditional asset classes and has generated outstanding historical return. Institutional investors typically do not have in-house expertise in the Bitcoin market and have exposure to Bitcoin using currently available investment products, such as Grayscale Bitcoin Trust (GBTC) and crypto hedge funds.
Over 60% of institutional investors surveyed by Fidelity Digital Assets have purchased digital assets directly. Over 20% of the U.S. institutional investors have invested in digital assets using derivative products such as futures. CME Group offers Bitcoin futures and options to institutional investors who need either get exposure to Bitcoin through derivative products or hedge their investment risks. Besides these Bitcoin investment instruments, we think that first Bitcoin ETF product might be approved by the Securities and Exchange Commission (SEC) in the near future, which would be a huge milestone for the Bitcoin investment infrastructure development.
How Individuals Invest in Bitcoin
There are several options available to individual investors who are seeking exposure to Bitcoin. Individuals usually buy Bitcoin with credit card or debit card, using various online fiat to crypto services and cryptocurrency exchanges such as Coinbase and Binance. Once you purchased Bitcoin, you can start earning annual interest of up to 6% on your Bitcoin holdings if you deposit them on a Bitcoin interest account. However, we assume that individuals buy Bitcoin mostly because of speculative expectations and cannot always properly manage the inherent investment risk.
Ironically, current securities laws and SEC regulations do not allow individuals to invest in Bitcoin through professional investment managers such as crypto hedge funds. This happens because only “accredited investors” are allowed to invest in private investment funds and they have to meet relatively high minimum networth or income requirements. For example, individual investors need to have net worth of at least $1,000,000 and permanent income at least $200,000 or $300,000 combined income if married, to qualify as “accredited investors”.
The good news is that individual investors can now buy Bitcoin with credit card instantly, even without opening a crypto exchange account. Besides credit cards, individuals can use debit cards to buy Bitcoin instantly with a simplified KYC procedure. This is possible by using online payment processing services such as MoonPay and Simplex. We partner with MoonPay and provide easy exposure to Bitcoin to our customers worldwide. You can instantly buy Bitcoin with credit card or debit card on our website with the daily limit of $10,000 and a simple KYC process.
Investment Advisors and Bitcoin
Individual and institutional investors who are seeking to buy Bitcoin face challenges such as complexity of the blockchain technology and undeveloped market infrastructure. They are not able to define a proper investment strategy and need professional assistance in making informed investment decisions. However, investment advisors are still hesitant to enter the increasingly growing Bitcoin market because of the high market volatility, lack of clear regulations, and absence of required expertise.
Investment advisors still do not have sufficient knowledge to explain their clients how Bitcoin works and the pros and cons of purchasing it. However, we assume that in the next couple of years investment advisors will be forced to understand Bitcoin as new financial instruments linked to the Bitcoin performance move further into the mainstream. We believe that there will be a significant demand for financial advisors who are well versed in the Bitcoin space and who can help clients to safely navigate the complexities of investing in this exponentially growing market.
How to Buy Bitcoin with Credit Card and Debit Cards
How to Buy Bitcoin with Credit Card
Credit card as a payment method is convenient because your payment transactions are secured and processed immediately. As a result, you can receive your Bitcoin in minutes. This is not the case when you are using bank wire transfers and some other payment methods. We make Bitcoin purchase process really easy and you can instantly buy Bitcoin with credit card on our website. We offer our customers a fully compliant payment service with a simplified KYC process and high Bitcoin purchase limits. Currently, you can buy up to $10,000 worth of Bitcoin daily and up to $50,000 worth of Bitcoin monthly. We accept almost all credit cards, including Visa and MasterCard. In addition, we accept some prepaid debit cards, prepaid gift cards, and virtual bank cards.
How to Buy Bitcoin with Debit Card
Debit cards are the most common payment method used by individuals who want to buy Bitcoin. Unlike credit cards, debit cards can only be used if the card holder has sufficient funds on a bank account. Almost all crypto exchanges and online services such as Cash App and eToro accept debit cards. Cash App supports debit cards from Visa, MasterCard, American Express, and Discover. However, it currently does not accept Paypal and business debit cards.
The most common but unfortunately not fastest way to buy Bitcoin is purchasing it with debit card on a cryptocurrency exchange, such as Binance or Coinbase. The issue is that Know Your Customer (KYC) process can take several days. Because of that, customers usually need to wait and are not able to buy Bitcoin until their identity is verified and exchange account is activated. Moreover, some trading expertise is needed to place a buy order and properly execute it on a crypto exchange.
Regulators all over the world require stricter regulations of crypto exchanges, crypto wallets, and other crypto related businesses. Therefore, such companies are forced to implement more rigorous KYC and Anti-Money Laundering (AML) policies. At the same time, we observe a growing customer demand for online services that can improve customer experience and make Bitcoin purchase process really fast and easy. We partner with MoonPay and offer fully compliant services for individuals who are willing to instantly buy Bitcoin with debit card.
How to Buy Bitcoin with Prepaid Card
Prepaid cards are debit cards that are loaded with cash by a card holder in advance. Many prepaid cards are Visa or MasterCard and they look like a typical debit or credit card. However, prepaid cards are not connected to a bank account like debit cards. Prepaid cards are convenient because you can seamlessly buy it online or in a physical store. Customers are usually not required to show their ID or Social Security Number (SSN) when they are purchasing a prepaid card. Prepaid cards have a relatively small maximum available balance, typically limited to $500.
There are two types of prepaid cards – reloadable and non-reloadable. Non-reloadable prepaid cards can be loaded only once, at the time of purchase. When customers are purchasing reloadable prepaid cards, they can load more money into the card, within the predetermined maximum balance. Governments often use prepaid cards as a convenient way to distribute cash payments. Cash App, for example, supports most government-enabled prepaid cards. We also accept some prepaid cards and our customers can instantly buy Bitcoin with prepaid card on our website.
How to Buy Bitcoin with Gift Card
Gift cards are prepaid debit cards that are loaded with cash at the time of purchase. As the majority of prepaid debit cards, they typically have a quite small maximum available balance, usually in the range from $20 to $500. You can easily purchase a gift card online or in a physical store. Similar to prepaid debit cards, customers are typically not required to show their ID or SSN when they are purchasing a gift card.
Unlike certain prepaid debit cards, gift cards are not reloadable, meaning a card holder is not able to add additional funds to a gift card. Typically, gift cards are Visa or MasterCard and have a unique brand of the company that issued a particular card. Gift cards are not connected to a bank account like debit cards. We accept some gift cards and our customers can instantly buy Bitcoin with gift card on our website.
How to Buy Bitcoin with Virtual Card
A virtual prepaid card has the same functionality as a regular prepaid debit card. The only difference is that it can be used only for online purchases. Since virtual cards are designed for online purchases only, they are not accepted by physical stores. Virtual cards provide an extra level of security as they are not linked to a bank account and hence minimize the risk of unauthorized withdrawals.
Virtual cards have a 16-digit card number and a CVV number, like regular debit cards. Since virtual cards are prepaid, only a card balance can be spent by a card holder. Crypto exchanges have different policies regarding virtual card payments. We partner with MoonPay, a new player in the rapidly growing Bitcoin market, and our clients can instantly buy Bitcoin with virtual card on our website.
WE PROVIDE EASY EXPOSURE TO BITCOIN
DIGITAL FINANCE LLC | WASHINGTON, DC