Financial sovereignty, redefined

The only wallet you'll ever need.

Stop juggling apps. Send, spend, and grow your net worth with the most advanced personal fintech stack ever built — one tap at a time.

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NITRO

•••• •••• •••• 8824

ALEX RIVERA

Nitro Card

2% BTC back on every swipe.

Free Visa debit, virtual or matte-black metal. No hidden fees, just pure rewards stacked in Bitcoin.

Exclusive preview

4.50% APY

High-yield savings that actually works for you. Paid daily. Zero lockups.

Start saving →

Global Send

Borderless payments.

Instant transfers to 150+ countries — at zero cost between Nitro users.

200+

Premium Perks

Lifestyle access at travel, dining, and brands you love.

Smart Pay

Automate every bill.

AI negotiates your bills and routes payments before they're due.

Net Worth

Every account, one view.

Cash, credit, crypto, and investments — unified.

@nitro.tag

Claim handle

FDIC-insured

up to $250k via partner banks

Instant transfers

between Nitro users, 24/7

Free

no monthly fees, ever

The full stack

Everything Cash App does. Built better.

Nitro Personal sits on the same global payments rails our businesses use — so your money moves faster, further, and with more behind it.

Pay friends

Send to $anyone, instantly

Pick a $nitrotag, drop a note, add an emoji. Money moves the moment you tap send — no fees between Nitro users.

Claim your $tag

Nitro Card

Spend like cash — with Boosts

Free Visa debit, virtual or matte-black metal. Tap one Boost and get instant cashback at coffee, gas, groceries, streaming and more.

Order a card

Direct Deposit

Get paid up to 2 days early

Your own routing & account number. Allocate a slice of every paycheck straight to Savings or Bitcoin — automatically.

Set up direct deposit

Savings

Earn 4.50% APY, round up the rest

High-yield savings on every dollar you hold. Turn on Round-Ups to sweep spare change from card spend into savings or BTC.

Start saving

Investing

Fractional stocks from $1

Buy a slice of any major stock. Set recurring buys weekly or monthly. Zero commission, no minimums.

Start investing

Bitcoin

Buy, sell, send BTC

Spot prices, Lightning withdrawals, recurring buys. Convert your paycheck into Bitcoin without lifting a finger.

Get Bitcoin

Taxes

File free, federal & state

Personal tax filing — federal and state — at zero cost. Imports W-2 and 1099 from Nitro automatically.

File this year

Compare

One wallet. Every advantage.

See how Nitro Wallet stacks up against Cash App, Venmo, Chime, and PayPal.

Free P2P with custom handle ($tag)

Nitro

Cash

Venmo

Chime

PayPal

Multi-currency wallet (40+ countries)

Nitro

Cash

Venmo

Chime

PayPal

Limited

Free Visa debit with cashback Boosts

Nitro

Cash

Venmo

Chime

PayPal

High-yield savings

Nitro

4.5% APY

Cash

4.0% APY

Venmo

Chime

2.0% APY

PayPal

3.7% APY

Buy stocks & Bitcoin in-app

Nitro

Cash

Venmo

BTC only

Chime

PayPal

Crypto only

Get paid up to 2 days early

Nitro

Cash

Venmo

Chime

PayPal

Paycheck advance / overdraft

Nitro

$200

Cash

$50

Venmo

Chime

$200

PayPal

Send internationally

Nitro

Cash

Venmo

Chime

PayPal

No monthly fees, ever

Nitro

Cash

Venmo

Chime

PayPal

Open developer APIs

Nitro

Cash

Venmo

Chime

PayPal

Smart card recommendations at checkout

Nitro

Cash

Venmo

Chime

PayPal

Auto-applied coupons at checkout

Nitro

Cash

Venmo

Chime

PayPal

Honey

Premium lifestyle perks marketplace

Nitro

200+

Cash

Venmo

Chime

PayPal

Free membership tier included

Nitro

Cash

Venmo

Chime

PayPal

Capability

Nitro

Cash App

Venmo

Chime

PayPal

Free P2P with custom handle ($tag)

Multi-currency wallet (40+ countries)

Limited

Free Visa debit with cashback Boosts

High-yield savings

4.5% APY

4.0% APY

2.0% APY

3.7% APY

Buy stocks & Bitcoin in-app

BTC only

Crypto only

Get paid up to 2 days early

Paycheck advance / overdraft

$200

$50

$200

Send internationally

No monthly fees, ever

Open developer APIs

Smart card recommendations at checkout

Auto-applied coupons at checkout

Honey

Premium lifestyle perks marketplace

200+

Free membership tier included

Comparison based on publicly listed features as of 2026. APYs vary by region and balance.

One $tag. One card. One wallet.

Move money. Spend money. Grow money. Drop your email and skip the line.