Onewalletforeverythingyoudo.
Spend with 2% BTC back, grow at 4.50% APY, and optimize your entire financial life — from bill negotiation to smart paycheck advances.
- 4.50%
- Annual APY
- 2% Back
- BTC Rewards
- 200+
- Global Perks
Every module of your money — visible, working, together.
One account that pays you back, negotiates for you, and unlocks the brands you already love.
Explore the suite200+ premium brands
Unlock $1,800+ per year in member-only value from 200+ premium brands. Travel credits, hotel upgrades, airport lounge access, software discounts, dining perks, and more — all inside one Nitro membership.
All your accounts, one view
Connect every bank, card, and brokerage to see your full net worth. Nitro automatically finds subscriptions you forgot, negotiates bills down, and tracks your safe-to-spend number in real time.
0% paycheck advance
Access up to $500 of your paycheck before payday — no interest, no credit check, no late fees. Repays automatically on your next direct deposit so you never miss a beat.
Money moves in seconds
Move money 24/7 across FedNow, ACH, SEPA, PIX, FPS, and instant card rails. Real-time settlement status with live tracking, not batch-file guessing.
2% back in Bitcoin
Earn 2% back in Bitcoin on every Nitro Card swipe. Rewards settle straight to your built-in BTC wallet — no points, no expirations, no redemption games.
Get paid by username
Your personal money identity: $nitrotag. Receive payments from anyone, split bills, and get paid instantly by username — no account numbers needed.
The Platform
One stack. Every rail.
Modular building blocks for accounts, money movement, FX, and compliance — composed into the financial product you need.
Pay anyone, in any currency, in a second.
Real-time settlement across 40+ corridors. Mid-market FX. No batch windows, no hidden margins.
Instant settlement.
Funds finalize in seconds, not days.
Funds safeguarded.
Held with regulated partners. Auditable. Segregated.
Programmable money.
Compose payments, payouts, and treasury logic through one predictable, idempotent API.
Local methods, everywhere.
SEPA, ACH, PIX, iDEAL, FPS, FedNow — routed automatically by buyer.
How it works
Four steps to a wallet on autopilot.
Set it up once. Nitro does the analyzing, optimizing, and earning so you keep more of every dollar — without the busywork.
Step 01
Connect
Link your bank, cards, and brokerage in under 60 seconds with bank-grade encryption.
Step 02
Analyze
Nitro learns how you spend, save, and earn — surfacing money left on the table every week.
Step 03
Automate
AI picks the best card at checkout, negotiates bills, cancels subs, and routes BTC back to your wallet.
Step 04
Accumulate
Watch rewards stack, balances grow at 4.50% APY, and your net worth move in one beautiful view.
$2.1B+
Processed annualized
40+
Markets supported
180ms
p50 API latency
99.99%
Uptime SLA
Solutions
One platform. Every money problem.
From your first accepted payment to global treasury, Nitro scales with your operation.
For people
A wallet that crosses borders, not your patience.
Hold 12 currencies in one place. Convert at near mid-market rates. Send money to anyone in seconds. Get a virtual card the moment you're verified.
- 12 currency wallets out of the box
- Transparent 30-second FX quotes
- Virtual cards, freeze & unfreeze in one tap
- Bank-grade safeguarding for your balances
Total balance
$24,930.18
Across 4 currencies
12,450.00
6,200.50
3,890.10
2,389,500
From Amara
Just now
+ €350.00
Convert USD→EUR
2m ago
− $500.00
Virtual card · Spotify
Yesterday
− $9.99
The personal suite
Everything Cash App does. Built better.
Eight products, one balance. Spend, send, save, borrow, optimize every swipe, unlock 200+ brand perks, and manage every account you own — without juggling apps.
Average member value
Members keep $1,436 more per year.
Stacked across cashback, bills, subscriptions, smarter swipes, and perks — Nitro pays for itself before you finish the onboarding.
$1.4K+
per member, per year
How we stack up
Built to replace Cash App, Venmo, Chime — and the three apps after that.
One balance, five products, zero junk fees. See the full side-by-side breakdown across every competitor.
See the full comparison- Free P2P transfers
- Custom card designs
- Paycheck advance, flat fee
- High-yield savings + stocks
- Multi-currency wallet
- No hidden FX markup
Loved by members
4.8 stars across 8,400+ reviews.
James D.
$jamesd
Nitro is personal finance without the busywork. Everything's in one wallet and it surfaces actions instead of just charts. Saves me time and earns me money in the background.
Arash K.
$arashk
The Smart Pay engine auto-picks the best card at checkout and routes 2% back to my Bitcoin balance. I've earned more in 3 months than my last credit card gave me all year.
Erin V.
$erinv
Nitro caught two subscriptions I forgot about and negotiated my internet bill down $24/mo on the first try. I didn't have to make a single call.
Mike S.
$mikes
Saved $400+ on a single Apple purchase by stacking my card offer, Nitro Perks, and BTC back. Felt like cheating. Eye-opening how much I was leaving on the table.
Kelly L.
$kellyl
I send rent to my roommate with $kellyl, pay my credit card, save at 4.5% APY, and earn Bitcoin on coffee. One wallet for literally everything.
John D.
$johnd
The Nitro Card + Perks combo replaced two of my premium cards. Real rewards, real benefits, no $695 annual fee. Plus I actually own the Bitcoin I earn.
Set up your wallet in under 4 minutes.
Eight guided steps take you from sign-up to a funded, card-ready Nitro account. No paperwork, no branch visits.
- 1Claim your $nitrotag
- 2Pick the features you want
- 3Verify your identity
- 4Design your card
- 5Set up direct deposit
- 6Fund your wallet
- You're ready to spend, send, and save.
Get the app
Your wallet, in your pocket.
Set up Nitro once. Earn, save, swipe, and negotiate on the go — with Face ID, instant notifications, and Apple/Google Pay built in.
Free to download. No credit check to start.
Trust
Engineered for the institutions we serve.
SOC 2 Type II
Independently audited across security, availability, and confidentiality.
PCI DSS Level 1
Highest level of card data security — managed by us, not you.
Segregated funds
Customer balances held separately with regulated partners.
FAQ
Questions, answered.
Still curious? Our team replies in under an hour during business hours.
Talk to a humanNitro is a single wallet for everything you do with money — spend with a Nitro Card, earn 2% BTC back, grow at 4.50% APY, send P2P with $nitrotags, manage every linked account, negotiate bills, cancel subs, and unlock 200+ partner perks. Eight products, one balance.
Start moving money in minutes.
Create an account, generate test keys, and accept your first payment today. No setup fees, no minimums.