Pay your bills directly with crypto

Why pay bills with crypto instead of cashing out first

Holding crypto has always come with an awkward two-step whenever real life sends an invoice. Sell some of it, wait for the proceeds to reach a bank account, then log in somewhere else and pay the bill. Every step is a chance for the price to move or a due date to slip past while a transfer clears. For anyone who keeps a meaningful share of their money in Bitcoin, Ethereum, or stablecoins, that detour is the tax on actually using it. Crypto bill payment collapses the detour into one action: you choose the biller, you choose the asset, you confirm, and the biller is paid in dollars. The conversion and the payment happen inside one flow at one live rate, so the amount you see is the amount that lands with the biller, and you convert exactly what the bill requires and not a dollar more.

How crypto bill payment works at Coin Nerds

Every payment is addressed to a registered biller from the same directory banks use: electricity, gas, and water utilities, mobile and internet providers, credit card issuers, and the long tail of companies that accept standard bill payments. You search the biller by name and enter your account number with them, exactly as it appears on your statement, so the payment posts against the right account without any manual matching on the biller's side. You then enter the amount due in dollars and pick the asset you want to pay from. We quote the crypto amount at the live rate on the spot, and you see both figures side by side before you confirm. When you do, the crypto is converted and the biller is paid through the bill payment network. From the biller's point of view it is a normal payment with a normal reference, and that reference is yours to keep as proof. Payments post on the biller's own schedule, the same as a payment sent from a bank, so pay ahead of the due date the way you would with any bill.

Which bills you can pay, and where

Customers in Canada pay Canadian billers in Canadian dollars, and customers in the United States pay US billers in US dollars. In both, the payment goes to a registered biller on the directory, which covers the categories that make up most households' and small businesses' monthly outgoings: power and heating, water, phone and internet, credit cards, and a wide range of other companies that accept bill payments. This is bill payment in the strict sense, a payment to a registered biller against an account number, rather than a general transfer to a person or a business bank account. That precision is what makes it reliable: the biller has already told the network how to receive payments and how to match them to accounts, so your payment arrives the way they expect it. Foreign exchange, over-the-counter trades, and payouts to bank accounts are separate services on this platform, each with its own page.

Paying a credit card, a utility, or a phone bill with Bitcoin

The most common bills people pay from crypto are the recurring ones: the credit card statement, the electricity or gas bill, and the phone or internet plan. Each works the same way. Find the issuer or provider in the biller directory, enter the account number from your statement, enter the amount due, and pay from Bitcoin, Ethereum, a stablecoin, or any other asset we trade. Stablecoin holders in particular get a clean experience, since a dollar-pegged balance converts to a dollar-denominated bill with almost nothing to think about. Because the crypto amount is quoted at the moment you confirm, you always know what a given bill costs in the asset you are spending, and many customers pay their fixed monthly bills this way and let the rest of their holdings sit untouched.

Built on a registered money services business, not a wallet app

Plenty of apps promise to let you spend crypto. Most are software companies that route your money through someone else's plumbing. Coin Nerds is a registered money services business regulated in multiple jurisdictions, settling volume since 2018 with $3B+ traded and 100K+ customers, and every registration is public on our licenses page. Bill payment runs on the same infrastructure as the rest of the platform: the liquidity that converts your crypto at a live rate, the screening that keeps the network clean, and the human team that answers the phone. Your crypto stays under your control until the moment you pay. Signup takes the same day, the first payment can follow the same day, and if you would rather have someone walk you through the first one, our team is a message away around the clock.