PAY BILLS
WITH CRYPTO,
EARN REAL REWARDS.
Manage your money, pay any bill with crypto or fiat, and get guided by an AI coach all in one free app, while earning SpendFi Coins that unlock luxury premium perks.
Your Personal Finance OS
for Both Fiat and Crypto
Stop paying for apps that just track your money and start earning rewards for managing it well.
Universal Card Aggregator
"Make All Cards Crypto Cards". Keep the cards and rewards you love, but gain the ability to pay them off seamlessly with your digital assets.
"Link all your existing credit cards (Visa, Amex, Mastercard) into one dashboard and pay their balances with crypto or fiat."
Pay Any Bill, Your Way
Use your bank account or crypto assets to pay utilities, credit cards, loans, and subscriptions.
"Pay any bill with unprecedented flexibility, keeping your credit lines open and managing your liquidity."
AI Financial Coach
Free AI-powered guidance for debt payoff strategies, personalized budget planning, and automated bill negotiation.
"Crush Your Debt Faster. Get tailored, actionable advice that saves you money and accelerates your journey to financial freedom."
The Reward Engine
Earn our in app coins for positive financial actions: paying bills on time, reducing debt, etc...
"Turn your financial discipline into a luxury lifestyle. Farm our in app SpendFi coins for every smart move like paying bills or crushing debt and unlock exclusive premium perks."
Real Rewards.
No Gimmicks.
Forget about points that lose value. SpendFi rewards you with discounts and direct cashback on the brands you use every day.
Netflix
Subscription
Nike
Retail
Travel
First class upgrade
The SpendFi Flywheel
See how a single responsible financial decision turns into a luxury perk. It’s not magic, it’s the SpendFi Engine.
The Aggregation
The Setup
Connect your traditional bank accounts and your crypto wallets in seconds. SpendFi aggregates your credit card bills, loans, and subscriptions into one clean dashboard. No more toggling between apps, your entire financial OS is now ready.
The Action
The Payment
Pay any bill, your way. That $500 Amex bill? Pay it off using your bank balance, or seamlessly via USDC/BTC/ETH from your connected wallet. SpendFi turns every credit card into a crypto card, giving you total liquidity control without hurting your credit score.
The Engine
The Earning
Farm Coins, Not Just Points. The moment the payment clears, the SpendFi Engine kicks in. You instantly earn SpendFi Coins based on the transaction size. Did you pay off high-interest debt? Boom. The AI Coach applies a 2x Multiplier to your earnings for making a smart financial move.
The Reward
The Redemption
Real World Luxury, Unlocked. Your coins have accumulated. Skip the cheap cash-back offers. Head to the marketplace and redeem your coins for a premium product or service. You just paid for luxury by simply being financially responsible.
