# Introducing Bitcoin Interest on Cash Earn 3.6% on your USD, paid in BTC. Category: producto Source: https://strike.me/eu/es/blog/introducing-bitcoin-interest-on-cash/ --- Bitcoin is better money, and Strike exists to help you accumulate a larger share of the 21 million coins. We’ve been building toward this mission one product at a time, offering ways to: - buy bitcoin however works best for you - convert direct-deposited paychecks into bitcoin - withdraw to self-custody at no cost - pay bills with any balance, including with a bitcoin-backed line of credit - borrow dollars against bitcoin so you can access cash without having to sell Together, these services let you live entirely on bitcoin. Even so, you might want to keep some dollars around, whether for **the next scheduled buy, a target order waiting to fill, a bill that’s due, or an emergency reserve**. If you still hold cash, you should at least be able to use it to earn bitcoin. ![](https://www.datocms-assets.com/99305/1790285798-introducing-bitcoin-interest-on-cash-customer-requests.png) Now, Americans can earn bitcoin interest on cash at Strike. Opt in once, then sit back and stack sats with dollars that were sitting still. ## Fiat savings accounts don’t help you save The average national deposit rate for savings is 0.38%, and interest on checking is 0.07%, which leaves $10,000 in a typical interest-bearing checking account earning about $7 a year. Many banks start at 0.01% APY, and brokerages like Charles Schwab paid sweep customers 0.45% a year on idle cash when the federal funds rate was 4.75% to 5.00%. Americans are estimated to keep the same checking account for an average of 19 years and the same savings account for 17, with only 4.3% of checking customers naming good interest rates as the reason they stay. It’s estimated that **69% of Americans use no higher-rate account at all**: not high-yield savings, not a money market account, not a CD. Take $8,000, the median US family’s holdings across all transaction accounts in the Federal Reserve’s 2022 survey. **That balance earns about $30 a year** at 0.38% and about $0.80 a year at the 0.01% paid on standard savings by JPMorgan Chase and Wells Fargo. ## How you earn bitcoin interest on cash Starting today, individuals can earn 3.6% on their cash, paid in bitcoin. The rate is subject to change. At the current rate, $8,000 earns about $288 worth of bitcoin a year, or **338,824 sats (₿0.00338824)** at $85,000. ![](https://www.datocms-assets.com/99305/1790285798-introducing-bitcoin-interest-on-cash-interest.png) There’s no minimum to enroll and no monthly fees. Once you opt in, interest will accrue on deposits like: - Dollars transferred from **a linked bank account**, after it’s available for being sent or withdrawn. - Cash added via **debit card** or **wire transfers**, one business day after it lands on your balance. - The part of your **direct-deposited paycheck** you don’t convert into bitcoin. - Funds reserved for future **target orders**. - Cash saved for **recurring purchases, bill payments, or loan repayments**. **You earn only on your cash balance, never on your bitcoin balance**, so earnings don’t compound. Strike holds your bitcoin 1:1 in multi-signature cold storage vaults. Strike is not a bank. Cross River Bank, Member FDIC, pays interest and holds the cash, **FDIC-insured** up to $250,000 across all deposits in your name. Your cash isn’t locked up while it earns interest, so you can **send or withdraw it at any time.** The **accrual converts to bitcoin that same day** rather than waiting for month-end, as if it were a daily recurring purchase. The bitcoin will accumulate until the 1st day of each month, when the monthly payout lands in your bitcoin balance. ![](https://www.datocms-assets.com/99305/1790957617-interest_on_cash-calculator.png) ## How bitcoin interest on cash fits in one account In a survey of US consumers, 85% reported preferring to use one app for all their banking, while only 29% said they had connected multiple financial accounts into one app to simplify managing their money. In early 2023, 48% of American adults had three or more finance apps on their phone; by the fourth quarter of 2024, 40% did. People want **all their financial services in one place**, and we’re closing that gap for those who prefer bitcoin over dollars. At Strike, money comes, money earns, and money goes. Add your routing and account number to any employer’s payroll portal. [Paychecks land](https://strike.me/support/how-do-i-set-up-direct-deposit/) up to two days early, as cash to spend, as bitcoin to save, or split between the two at a percentage you set. Paycheck conversions to bitcoin are fee-free up to $20,000 a month. Any amount you don’t convert earns interest until you spend or withdraw it. ![](https://www.datocms-assets.com/99305/1790285798-introducing-bitcoin-interest-on-cash-direct-deposit.png) [Pay bills](https://strike.me/support/how-do-i-pay-bills/) straight from the cash that’s earning interest. Works with any biller. ![](https://www.datocms-assets.com/99305/1790285798-introducing-bitcoin-interest-on-cash-bill-pay.png) Cash that you keep in your account to repay a [loan or line of credit](https://strike.me/support/how-do-i-pay-interest-or-repay-principal/) also earns interest. ![](https://www.datocms-assets.com/99305/1790285798-introducing-bitcoin-interest-on-cash-loans.png) Make a USD deposit to watch your BTC earnings grow. *Sources: The “0.38%” and “0.07%” rates come from FDIC National Rates and Rate Caps, July 2026; “0.45%,” Financial Planning, Cash sweeps: a $1T conflict of interest in wealth management, April 2023; “4.75% to 5.00%,” Federal Reserve, Open Market Operations; “19 years,” Bankrate, Many consumers stick with same bank accounts for decades, January 2025 fieldwork; “69%,” Santander, Americans Are Not Using Accounts That Accelerate Progress, December 2024 fieldwork; “$8,000,” Federal Reserve Survey of Consumer Finances, 2022, against a mean of $62,410; “0.01%,” Bankrate, How much Americans are losing by keeping money in low-yield accounts, September 2026; “85%,” Chase Digital Banking Attitudes Study, February 2025 fieldwork; “29%” and “48%,” MX, What is Financial Wellness? It’s Not Today’s Consumer Money Experience, February 2023; “40%,” MX, Consumers Demand More Insightful, Comprehensive Financial Support, February 2025.* From Strike's blog — https://strike.me/eu/es/blog/