Below are some recommended services to help accumulate BTC that are easy to use, US-regulated, and even offer bitcoin-back rewards on everyday purchases:
Cash App
Strike
Swan Bitcoin
Unchained Capital
River Financial
Fold
Lolli
Get started with Cash App:
Cash App is an all-in-one financial company that is publicly traded ($SQ) and offers fiat and Bitcoin services:
Send - Pay and get paid instantly, like Venmo but better
Spend - Save on everyday spending, with card boosts and rewards
Bank - Faster, simpler banking with convenience
Stocks - Buy stocks for as little as $1 and grow your portfolio
Bitcoin - Break into Bitcoin, with recurring buys, storage, and/or transactions
Taxes - File for free and get your max refund, voted the best software in 2022
Savings - Set aside money for your goals, no matter how big or small
Security - A safe space for you and your money, everyone 13+ can now use
Sign up for Cash App with my referral code (NNWBWXM) or scan the below QR code with your Camera and Create an Account
Receive $5 from Cash App once your account gets funded
Get started with Strike:
Strike is a Bitcoin-only platform for buying, storing, and transacting with fiat on-and-off ramps. “A more connected financial world: Send and receive money instantly. Buy bitcoin. Get paid in bitcoin.”
Buy and sell bitcoin
Strike offers the easiest way to buy bitcoin. Skip transaction fees and stack sats, the right way.
Join the waitlist for the Strike Card
A debit card with real rewards for the real world. Join the waitlist in your Strike app for early access as we begin rolling out the card to everyone.
Strike API - Global payments for the internet
Connect your business to a global, instant payments network. Marketplaces use Strike’s API to enable payments between buyers and sellers or fans and creators. Merchants use Strike’s API to accept payments from customers globally.
Money without borders
Send and receive instant and secure borderless payments from your fingertips, with no added transaction fees.
Get paid in bitcoin
Put the power of your money back into your pocket. Convert your paycheck to bitcoin with no added transaction fees.
Sign up today using my referral code below (NVQFOD), and get $5 for free after your first deposit.
Get started with Swan Bitcoin:
Vision & Mission
Swan Bitcoin is a financial services company that helps you save value in Bitcoin. We believe that Bitcoin is the best savings vehicle that exists and that Bitcoin will become increasingly valuable in the coming years. We built Swan to help people learn about Bitcoin and assist people to buy Bitcoin as cheaply and easily as possible. To learn more about Bitcoin itself, read here.
Swan Bitcoin has a mission to help Bitcoiners win the race to avoid the war. Read more about Swan's mission in CEO Cory Klippsten's article titled Bitcoiners, It's Winning Time.
Types of Accounts
Swan is on a mission to help people stack Bitcoin, for the long term, in every investment vehicle possible. Today, we support:
Individual
Company accounts - LLCs, nonprofits, or investment trusts
IRA's
Bitcoin Benefit Plans for employers
Financial Advisor Services
Details
With Swan, anyone can make one-time purchases funded via bank wire.
Customers with US bank accounts can make instant purchases funded via ACH or sign up for a recurring plan and select how much money you want to save in Bitcoin and how frequently (every day/week/month) you want to purchase it. We then automatically pull funds from your bank account and buy Bitcoin for you. Buying consistently helps reduce volatility from price swings.
After your purchases are completed, you can withdraw your Bitcoin manually or you can set up an auto-withdrawal plan that automatically withdraws Bitcoin to your own Bitcoin wallet.
You can pause or cancel your Swan plan at any time, and any Bitcoin stored with us is stored in your name at a licensed and regulated trust company in the United States.
Disclaimer
Swan is only available to people over eighteen years of age with a valid government ID and valid bank account. For full requirements read here.
Sign up today with my referral code (mbrons) and get $10 of BTC for free!
Navigate to Swan Bitcoin or scan the QR code below:
Get started with Unchained Capital:
Unlock your financial independence with Unchained Capital. Unchained provides Bitcoin-native services and resources for every type of bitcoiner. We make it easy for you to get the most from your bitcoin while holding your own keys.
Collaborative custody
Personal Vaults
Secure your bitcoin with multisig keys that you control.
Business Vaults
Multisig vaults for teams with granular access permissions.
Concierge
Concierge Onboarding
Get started fast through expert one-to-one guidance.
Premium Support
Enhanced, priority support for businesses and HNWI.
Financial services (US only)
Trading Desk
The simplest way to buy bitcoin directly to cold storage.
Bitcoin Loans
Access dollar liquidity without selling your bitcoin.
Bitcoin IRAs
Save bitcoin in self-custody on a tax-advantaged basis.
Create an Unchained account today.
Get Started with River Financial:
Establish your Bitcoin wealth. Buy and mine Bitcoin with 100% full reserve custody, and zero fees on recurring orders. Unlock the possibilities of this revolutionary digital asset with River. River offers unparalleled service and functionality:
Tax Optimization
River is the only brokerage that saves you time and money with tax reporting and optimization tools built-in.
Buy Bitcoin on your iPhone
Buy Bitcoin anywhere, at any time with the best iPhone app to buy, sell, and track Bitcoin for the long-term investor.
Licensed & Insured
River is licensed by state and federal regulators. USD cash balances on the platform are FDIC insured up to $250,000.
Talk to a Human
Bitcoin can be intimidating. Our experienced Client Services Team is waiting to help you get started building your Bitcoin wealth.
Instant Buy Volume
Immediately buy up to $100,000 of Bitcoin without pre-funding your account. Buy up to $1 million of Bitcoin via bank wire.
Entity Accounts Made Easy
Easily open accounts and buy Bitcoin for yourself, LLCs, trusts, and other entities through a single unified interface.
Buy $10 to $1,000,000 of Bitcoin in minutes.
Sign up, link your bank, buy Bitcoin.
If you are looking to invest more than $250,000 in Bitcoin, our Private Client team is here for you.
Security with River is a Certainty
River has 100% full reserve custody. Since your Bitcoin is held 1:1 you can withdraw your funds at any time. We don’t ever use or lend your Bitcoin.
Our multi-signature cold storage system is encrypted and has geographically dispersed keys to ensure deposits are secured from internal and external threats.
Create a River Financial account today.
Get Started with Fold:
We’re here to bring Bitcoin to everyone. Fold is the best way to earn bitcoin back on everything you do. Fold also has a daily spin wheel to earn some sats without even purchasing anything:
Customers can use the Fold Visa debit card, and purchase gift cards from the Fold Store, to earn bitcoin on everyday purchases
While current on-ramps are complex, expensive and primarily built for speculators, we believe in ushering in the next wave of adoption via fun & engaging on-ramps built for everyone else: spenders, earners and savers.
Win up to 100% back on every purchase in bitcoin. Every swipe is a chance to win.
Buy Bitcoin directly within the app
Bitcoin back, your way
Choose to get 1-1.5% flat rate back on your purchase, or spin on every swipe to win up to 100% back or more on every purchase!
Limitless rewards
Spin when you spend to earn bitcoin back on everything, the sky’s the limit.
Exclusive Offers
Earn even more bitcoin back at your favorite stores with offers across hundreds of merchants:
Adidas, Amazon, AMC, Athleta, Banana Republic, Callaway, Chipotle, Disney, Domino’s, GameStop, Home Depot, Olive Garden, Spotify, Southwest Airlines, Taco Bell, Topgolf, Uber, and more!
Sign up with my referral link and earn 20,000 sats for free:
Get Started with Lolli:
Lolli is an easy way to accumulate Bitcoin. Earn free rewards at 10,000+ top stores, with up to 30% back in bitcoin or cash. The average purchase earns 7% back. How? Stores pay us when you shop. Once you check out, stores pay us and we pay you, sending free money to your Lolli wallet. Lolli also has a daily treasure chest to earn free sats without even purchasing anything:
Merchants include:
Adidas, Bass Pro Shops, Best Buy, Booking.com, Chewy, Converse, DICK’s Sporting Goods, eBay, Expedia, Fanatics, Hotels.com, Lowe’s, Marriott, Microsoft, Nike, Puma, Sephora, Staples, Verizon, Walmart, and more!
Sign up with my referral link and earn $5 for free:
Now What?
After utilizing the above fiat-to-BTC on-ramps, it is imperative to take self-custody into your own cold storage “wallet” device. Bitcoin sitting on exchanges are I-O-U’s that are held by that counter-party, and not technically yours (yet). There are many options for self-custody devices or multi-sig options like Unchained above, but the most popular one amongst bitcoiners is made by Coinkite. COLDCARD is the world’s most trusted and secure Bitcoin Signing Device (a.k.a Bitcoin hardware wallet). A complete guide can be accessed HERE, and/or viewed below:
More Resources to Get Off Zero Knowledge, Understanding, and Allocation Related to BTC
Guides and Tools by Matt Odell:
Hardware wallet: ColdCard, SeedSigner
Android wallets: Samourai, Blue Wallet, Muun Wallet
iOS wallets: Blue Wallet, Muun Wallet, Fully Noded
Lightning wallets: Phoenix, Breez, Muun Wallet, Zap, Zeus, RTL
Desktop wallets: Core, Sparrow Wallet, Specter
Self Hosted Multisig: Sparrow Wallet, Nunchuk, Specter, Caravan, Electrum
Hosted Multisig: Unchained Capital, Casa
Favorite block explorers: Mempool.Space, Blockstream, OXT, KYCP
Mempool Status
Transaction Monitor
Prebuilt dedicated node: Start9, Nodl
Build your own dedicated node: RaspiBlitz, Start9, Umbrel, RoninDojo, MyNode
Newsfeed
Data Dashboard
Bitcoin Privacy Guide
Privacy Resources
Beginner Guide
Bitcoin Backups Guide
6102bitcoin Resources
Bitcoin Q&A Guides
Bitcoin Optech
Ministry of Nodes Guides
Lightning Node Management Guide
Price and Chain Data
P2P Trade Volumes
Bitcoin Stack Exchange
Bitcoin Wiki
Bitcoin ACKs
No KYC Guide
No KYC bitcoin exchanges
Getting Started with Lightning Network
Keep It Simple Bitcoin Guides
Software Verification Guide
General GPG Guide
Spanish Language Bitcoin Guides
Bisq Wiki
The Hitchhiker’s Guide to Online Anonymity
Techlore Go Incognito Course
Ketan’s Blog
Saylor Academy - Bitcoin for Everybody
Econoalchemist’s Guides
Diverter’s Guides
Bitcoin-Resources
21 Lessons
Other Tools:
Prebuilt computers: System76, Purism
Desktop OS: Pop!OS, Tails, Debian
Browser: Firefox, Tor, UnGoogled Chromium, Chromium
Mobile phone: Pixel running GrapheneOS or Calyx, Librem 5, Pine Phone
Messages: Signal, Keybase, Wire, Telegram, Threema
Hosted VPN: Mullvad, ProtonVPN, iVPN
Email: Tutanota, ProtonMail
Cross device notes/tasks: StandardNotes
Share files: Onion Share, Keybase, Firefox Send
Password manager: BitWarden, KeePass
Two factor authentication: Aegis
Guides:
muun - easily receive or spend bitcoin on your phone
coldcard - long term bitcoin savings kept offline
bitcoin core - run and use your own bitcoin node
opendime - a fun way to gift bitcoin
getting started with bitcoin - audio, everything important from start to finish
Some Books:
The Bitcoin Standard by Saifedean Ammous
Sovereignty Through Mathematics by Knut Svanholm
The Book of Satoshi by Phil Champagne
Everything Divided by 21 Million by Knut Svanholm
Programming Bitcoin by Jimmy Song
The Blocksize War by Jonathan Bier
Thank God for Bitcoin by Bitcoin and the Bible Group
Mastering Bitcoin by Andreas Antonopoulos
Bitcoin Is Venice by Allen Farrington
The Bullish Case for Bitcoin by Vijay Boyapati
The 7th Property: Bitcoin and the Monetary Revolution by Eric Yakes
Bitcoin & Black America by Isaiah Jackson
The Fiat Standard by Saifedean Ammous
The Price of Tomorrow by Jeff Booth
The UnCommunist Manifesto by Aleks Svetski and Mark Moss
The Sovereign Individual by James Davidson and William Rees-Mogg
The Mandibles by Lionel Shriver
The Creature from Jekyll Island by Edward Griffin
+ Dozens of more found online at BitcoinerBooks
Some Podcasts:
Intro to Bitcoin by Michael Bronson – Dangerously Dainty Podcast
The “What is Money?” Show by Robert Breedlove
The Bitcoin Matrix by Cedric Youngelman
The Café Bitcoin Podcast by Swan Bitcoin
Bitcoin Fundamentals by The Investor’s Podcast Network
The Bitcoin Standard Podcast by Saifedean Ammous
The Bitcoin Layer by Nik Bhatia
Coin Stories by Natalie Brunell
What Bitcoin Did by Peter McCormack
Tales from the Crypt by Marty Bent
Citadel Dispatch by Matt Odell
Rabbit Hole Recap by Matt Odell and Marty Bent
SEC Chairman Gary Gensler teaching an MIT course about Bitcoin, free to the public
This concludes the “Get Off Zero” series. Thank you for reading!
Like this content? Consider subscribing and donating a gift to the author:
Venmo - @MichaelBronson
CashApp - $mbrons
Bitcoin Network Address - 323CkMdtp58Vo5SG9B9Lb7h9V27acJgqAv
LNURL address - blazingpastor71@walletofsatoshi.com
Lightning Network Address -
lnbc1p3l5u9cdqqpp5fe4nu3hqkvdc9cmtn4d6k438e38vyclemtcdsf75h2qt2hsum3hqsp5u2a6g9uc6yux7ux3xlm496s3uldzlrurta4g8nnede4x2a5ea8fq9qrsgqcqpcxqy8ayqrzjqv06k0m23t593pngl0jt7n9wznp64fqngvctz7vts8nq4tukvtljqzq7e5qqnzsqqvqqqqqqqqqqqqqq9grzjqtsjy9p55gdceevp36fvdmrkxqvzfhy8ak2tgc5zgtjtra9xlaz97zf4qgqq90gqqvqqqqqqqqqqqqqq9gqals5z6ahtt9zynrplc5ng9tywdsv4yl9eq6f5tjxjrqcnyu9t0430xxc9d3vqeh9ztmlddyuzcew5ps5294tmxpc8j58ptguh6nxacqjkfhfl
Dual Compatible Bitcoin / LN QR Code / Address -
Disclaimer:
The above content and resources are for educational purposes only and not financial advice. Should you choose to apply the practices described in the above and/or linked content with bitcoin you own now or may purchase in the future, you do so at your own risk and I shall in no event be liable for any financial loss suffered.