Buy Bitcoin with Credit Card Instantly

Buy Bitcoin with Credit Card

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$10,000 Daily Purchase Limit | Simple KYC Requirements

This Service Is Provided by Our Payment Processing Partner MoonPay.
Please Read This FAQ for More Information.


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


Why institutional and individual investors are seeking exposure to Bitcoin? 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 current disinflationary and future deflationary model, Bitcoin may provide a useful hedge for inflation, especially during the economic recession.

Bitcoin Portfolio Diversification



We recommend to read The State of Bitcoin 2020 report prepared by the well-known crypto research firm Delphi Digital to learn more about Bitcoin unique investment characteristics. Delphi Digital team believes that Bitcoin is an extremely attractive alternative to consider in the context of a multi-asset portfolio aiming to maximize risk-adjusted returns. Delphi Digital’s vision largely resonates with our conviction that Bitcoin as a new alternative asset class can efficiently diversify traditional investment portfolio.

Portfolio Diversification with Bitcoin

Bitcoin Portfolio Diversification


New asset classes such as Bitcoin are rare and powerful because they may offer a substantial return stream while providing a significant diversification benefit. Indeed, Bitcoin has largely maintained a low correlation with most traditional asset classes. 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 can 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. Now you can calculate the optimal allocation to Bitcoin online and easily buy Bitcoin with credit card to diversify your investment portfolio.

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 and Bitcoin savings services 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.

Wall Street & Bitcoin



Fidelity Investments, one of the largest asset managers in the world, is building a Bitcoin custody and a 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 and crypto assets 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. We think that more individuals will also start investing Bitcoin in the near future, because of its unique “Store of Value” parameters. Individual investors can easily buy Bitcoin with credit card using crypto exchange accounts and various trading apps.

Bitcoin Investment Products

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.


Unlike institutions, individual investors typically have direct exposure to cryptocurrency. They buy Bitcoin with credit card or debit card using cryptocurrency exchanges and other online services and hold it either on a crypto exchange account or in a Bitcoin wallet. Individual investors usually do not meet “accredited investor” qualification requirements and therefore not able to allocate their capital to Bitcoin through private placement offerings. Moreover, crypto hedge funds typically require a minimum investment of $100,000, which is a way higher than a regular individual investor can afford to invest in a highly volatile asset, even if investor has a high risk tolerance.

Crypto Hedge Fund Report


You can learn more about crypto hedge funds and their investment strategies by reading the Crypto Hedge Fund Report prepared by PWC in 2019. Crypto hedge funds typically use the same fee structure as traditional hedge funds. The median fees charged by the crypto hedge funds surveyed by PWC were 2% management fee and a 20% performance fee.

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 and investment managers 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 Bitcoin Halving Affects Its Price

Bitcoin Halving


The Bitcoin supply decreases by half every four years, and the last halving event took place in May 2020. Bitcoin’s inflation rate is decreasing based on the mathematical algorithm, comparing with the inflation rate of fiat currencies. We expect that the lack of new supply will cause the future increased demand for Bitcoin. Besides that, Bitcoin halving has been historically an extremely positive event for Bitcoin price action. We think that Bitcoin price will be rising substantially over time, taking into account its disinflationary model and the growing institutional investors’ demand.



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 algorithmically predetermined decrease of its supply and presumably steady if not increasing demand from both institutional and retail investors. Therefore, it makes sense to buy Bitcoin with credit card or debit card on our website with the purpose of investment portfolio diversification. We also accept some prepaid, virtual and gift cards.

How Institutions Invest in Bitcoin

Instituitional Investment 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 to the new asset class through available Bitcoin investment products. 



Many institutional investors still do not have exposure to Bitcoin because of the regulatory uncertainty, lack of reliable valuation models, and h igh 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 prefer to have indirect exposure to Bitcoin using currently available investment products, such as Grayscale Bitcoin Trust (GBTC) and crypto hedge funds. 

Genesis 2020 Q2 Report


When institutional investors have direct exposure to Bitcoin, they usually trade Bitcoin using institutional accounts on major cryptocurrency exchanges or OTC trading desks.

Genesis, one of the largest Bitcoin lender and OTC liquidity provider, has issued Q2 2020 report where crypto market trends are discussed. Based on this report, the institutional demand and participation in the crypto space is growing substantially. Here is Genesis’s statistics for Quarter 2 2020: $2.2B in crypto loans has been originated. For comparison, this is a 324% increase in loan originations from the same quarter last year. Genesis had $1.42B total active crypto loans as of June 2020. $5.25B of spot volume has been traded through their OTC desk. $400M derivatives volume traded since June 1, 2020.


Coinbase, the largest American cryptocurrency exchange, mentioned in its H1 2020 Report that today, many large and conservative institutional investors are allocating capital to digital assets to build direct positions. Among those institutions are leading university endowments, traditional multi-strategy hedge funds, venture firms, and large family offices. Institutional investors rarely buy Bitcoin with credit card or debit card, as they typically purchase Bitcoin in large amounts and usually use ACH and wire transfers to facilitate such transactions. However, individual investors can easily buy Bitcoin with credit card or debit card on our website.

The Institutional Investor Digital Asset Survey



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. For example, Chicago-based 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 above mentioned 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. The inefficiency of the Bitcoin market, lack of reliable Bitcoin valuation models, and Bitcoin market manipulation are among the major concerns of the regulator. Once the first Bitcoin ETF is approved, individual investors can get instant indirect exposure to Bitcoin through their brokerage accounts. Currently, they usually use crypto exchanges to buy Bitcoin with credit card.

How Individuals Invest in Bitcoin

Individual Investment 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 the majority of 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

Investment Advisors and Bitcoin


Retail investors who are seeking to buy Bitcoin with credit card and other payment methods face challenges such as undeveloped crypto market infrastructure and complexity of the blockchain technology. They typically are not able to define a proper investment strategy and the optimal portfolio allocation to the new asset class. 
Therefore, they need professional assistance in making informed investment decisions. However, investment advisors are still hesitant to enter the Bitcoin market because of the high market volatility, lack of clear regulations, and absence of blockchain 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

Buy Bitcoin with Credit Card



Credit card as a payment method is convenient because credit card 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. Our payment processing partner MoonPay provides best-in-class payment processing service to our customers. Now you can instantly buy Bitcoin with credit card on our website.

How to Buy Bitcoin with Debit Card

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

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

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 provide their SSN when they are purchasing a gift card. 



Unlike certain prepaid debit cards, gift cards are not reloadable, meaning a gift 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. Importantly, gift cards are not connected to a bank account like debit cards, which adds an extra layer of security. 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

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 an individual checking bank account and therefore minimize the risk of unauthorized withdrawals. 



Virtual cards have a 16-digit card number and a CVV number (3- or 4-digits numeric security code), 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 fiat to crypto payment processing market, and our clients can instantly buy Bitcoin with virtual card on our website.


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Buy Bitcoin with Credit Card

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