Pay bills with crypto, all over the world.
The easiest way to pay your bills with Bitcoin, Ethereum and 100+ other cryptocurrencies, straight from your wallet in Zypto App. No bank account. No off-ramp. Your crypto, your payment, your control.
Pay a bill in a few taps.
Choose who to pay, pick your crypto, and Zypto Pay settles the bill in local currency.
From wallet to biller
- Open Zypto App and go to Bill Pay.
- Choose the country, then search for your biller.
- Enter the bill details and pick from 100+ cryptocurrencies.
- Pay, and Zypto Pay settles it in local currency, completed within 48 hours.
Fund a bill however you hold crypto.
Pay direct from self-custody, from an exchange, with KuCoin Pay, or even with your rewards.
Your Zypto wallet
- Pay direct from your self-custody DeFi wallet
- No bank, no off-ramp
Any wallet or exchange
- Fund from any external crypto wallet
- Or pay from a crypto exchange
KuCoin Pay
- Pay straight from your KuCoin balance
- Via the KuCoin Pay integration in Zypto App
ZYP rewards
- Pay or part-pay a bill with ZYPs
- Earned for activity across Zypto App
From the monthly essentials to the big ones.
Thousands of billers worldwide, across the categories that matter most.
Credit cards & loans
- Credit card balances
- Personal and auto loans
- Bank and finance providers
Utilities & energy
- Electricity, gas and water
- City councils and parking
- Local service providers
Telecom & internet
- Mobile and broadband
- Telecom and TV providers
- Prepaid and postpaid plans
Mortgages & property
- Mortgage payments
- Real estate and property fees
- Housing and rent providers
Insurance
- Health and life cover
- Auto and home policies
- Premiums and renewals
Health, dental & more
- Hospitals and dental care
- Universities and tuition
- Thousands of other billers
Crypto that pays the bills, worldwide.
Available in Zypto App, with new countries and billers added regularly.
No bank account. No off-ramp.
Pay straight from your DeFi wallet. No selling to fiat first, no bank in the middle. Zypto Pay settles the bill in local currency, you just hold and pay with crypto.
Big names and local billers, side by side.
A growing list of countries and 87,000+ billers, from global brands to local utilities.
USAMexicoIndiaPhilippinesEgyptMalaysiaPakistanEl SalvadorNicaraguaSpainItalyCosta RicaHondurasGuatemala
Pay billers such as American Express, Chase, Capital One, Costco, CFE, Telmex, Tata Power, HDFC, Meralco, Vodafone and Movistar, plus thousands more.
One simple processing fee.
No hidden charges. Here is exactly what a bill payment costs.
| Fee | CryptoBill Pay |
|---|---|
| Zypto processing fee | 3% + $5.00 |
| Pay from | Zypto wallet, any DeFi wallet, exchange or KuCoin Pay |
| Pay with rewards | Pay or part-pay with ZYPs |
| Cryptocurrencies | 100+ supported |
| Completion time | Within 48 hours |
Blockchain gas fees apply, paid to the blockchain network you choose. Find out more.
Bill Pay FAQs
Can I pay bills with crypto?
Yes. With Zypto you can pay real-world bills with Bitcoin, Ethereum and 100+ other cryptocurrencies, directly from your wallet. There is no need to off-ramp to fiat first, which saves you time and extra fees.
What can I pay?
Credit cards, loans, utilities, telecom, mortgages, insurance, property fees, hospitals and dental, universities and thousands of other billers, from global brands to local providers.
Which countries are supported?
120+ countries in Zypto App, covering 87,000+ billers worldwide, with new markets added regularly. Availability varies by country.
Which cryptocurrencies can I pay with?
Over 100, including BTC, ETH, USDT, USDC, USD1, XRP, SOL, DASH, XLM and SHIB. Pay from your Zypto wallet, any DeFi wallet, an exchange, or via the KuCoin Pay integration in Zypto App. You can also pay or part-pay with ZYPs, your Zypto rewards points.
How long does a payment take?
Bill payments are completed within 48 hours. Zypto Pay handles the conversion from crypto to the bill amount in local currency.
What does it cost?
A Zypto processing fee of 3% + $5.00 per payment. Blockchain gas fees also apply, paid to the blockchain network you choose.
Is it safe?
Yes. Zypto App is non-custodial, so you hold your own crypto and your own keys, no one else controls your funds. You approve each payment yourself, and Zypto Pay handles the settlement to the biller in local currency.
Can I pay with my ZYPs rewards?
Yes. Where available, you can pay or part-pay a bill with ZYPs, the rewards points you earn for activity across Zypto App.
Loved by the Zypto community.
Verified reviews from Trustpilot.
Rated Excellent, 4.7 on TrustpilotI've been using the Zypto app for over a year now and it's been great to see how it keeps improving. One thing that really stands out these days is how fast and helpful the customer support is. And of course, my absolute favorite is the reloadable Visa card, it's super convenient and works great on my phone.
Fast multi-chain swaps, really low fees and the virtual and physical crypto cards are what makes Zypto App deserving of a 5 star rating. Zypto's crypto cards are easily the best off-ramp solutions available right now. The virtual cards I use with Apple wallet and thanks to Zypto I'm buying coffees, cabs and hotel tabs with Shib. How great is that?
I'm very impressed with Zypto's bill payment side of the app. You submit your crypto payment, they convert it to USD and pay your bill for you. I've used it for nine months now, each month paying my electric, phone, internet and car insurance, with thousands of billers to choose from.
From the Zypto blog
Pay Bills With Crypto – Now With KuCoin Pay in Zypto App
Apr 2, 2026
Pay Bills With Crypto, Directly Inside Zypto
Jan 20, 2026
The Complete Crypto Billing Platform: Pay, Accept, and Build with Zypto
Oct 28, 2025
How to Pay Bills With Crypto – A Guide for 2025
Oct 7, 2025
Pay Bills With Crypto in 126 Countries – No Bank Needed
Sep 12, 2025
Pay Bills With Crypto in the USA – Now Supporting Over 86,000 Billers
Jul 29, 2025
Pay Bills With Cryptocurrency in El Salvador – With Over 100 Crypto Assets
Jul 28, 2025
Pay Bills With Crypto – Now Available for Nicaragua
Jul 25, 2025
Paying Bills With Crypto in Spain? Now You Can.
Jul 24, 2025
Paying Bills With Crypto in Italy? Zypto Now Covers Popular Utilities, Energy, Mobile and Telecom
Jul 23, 2025See what crypto unlocks in your country.
Cards, bills, cash, top-ups and more, with availability and local payment methods that vary by country.
One wallet, every kind of payment
Bill Pay is one of many things Zypto App does with your balance.
Crypto cards
The Zypto Premium VISA Card, physical and virtual, spent wherever Visa is accepted.
Crypto cardsBuy gift cards
Over 8,500 gift cards from the brands you use, bought with crypto.
Gift cardsTop up any phone
800+ operators across 170+ countries, in seconds, paid in crypto.
Mobile top-upsUSDC Cash
Cash-in and cash-out of Zypto App at participating MoneyGram locations worldwide.
USDC CashHold every chain
Create multichain wallets for 24,000+ assets across 20+ blockchains, with 1,000,000+ crosschain routes.
Multichain walletEarn ZYP rewards
Earn ZYPs for everyday activity, then use them across Zypto App, including on bills.
Rewards Hub
