HODL Pay: Unlock spending power without selling your crypto.

Meet HODL Pay

HODL Pay: Unlock spending power without selling your crypto.

Meet HODL Pay

BitPay

Developers

Help

Log In

Get Started

BitPay
BitPay
BitPay

HODL Pay

HODL Pay

HODL Pay

Spend crypto.
Keep your stack.

Spend crypto.
Keep your stack.

Spend crypto.
Keep your stack.

Unlock spending power without selling your crypto.

Unlock spending power without selling your crypto.

Unlock spending power without selling your crypto.

Start Started

Start Started

Start Started

Start Started

Select Wallet

Popular Wallets

BitPay

Coinbase

Exodus Wallet

Trust Wallet

Metamask

Electrum Wallet

Connections

WalletConnect

Search 100+ supported wallets

Pay Now

HODL Pay

Pay with

Ethereum

ETH

2.00

$2.00

Tether

USDT

2.00

$2.00

DAI

DAI

2.00

$2.00

USDC.e

USDC.e

2.00

$2.00

USDC

USDC

2.00

$2.00

Choose Borrowing Position

Manage

Aave v2

$1,230.00 Available

Health

3.5

2.2

Aave v3

$50.00 Available

Health

2.0

1.2

Aave v3

$50.00 Available

Health

5.0

4.2

Aave v4

$10,463.77 Available

Borrow and Pay with

Tether

USDT

0.08%

Borrow APY, Variable

DAI

DAI

0.16%

Borrow APY, Variable

USDC.e

USDC.e

4.17%

Borrow APY, Variable

USDC

USDC

6.32%

Borrow APY, Variable

Aave v2

$1,230.00 Available

Manage

Borrow & Pay With

USDC

Borrow APY, Variable

6.32%

Aave Health Factor

2.5

2.3

Liquidation at <1.0

Time Left

12:34

Network

Polygon

Total Price

$20.00

Exchange Rate

1 USDC @ $1.00

Amount Due

20.01 USDC

I understand that I am borrowing against my crypto assets held in Aave. The borrow terms, including repayments, are managed by Aave, and I am responsible for all associated risks and repayments.

Borrow & Pay

Success!

$20.01

Aave v3

Manage

Borrowed & Paid With

USDC

Borrow APY, Variable

6.32%

Aave Health Factor

2.5

2.3

Liquidation at <1.0

Add your debt token (bUSDC) to your wallet to track your debt.

Add to wallet

Exchange Rate

1 USDC @ $1.00

Network

Polygon

Network Cost

0.01 USDC

Total Due

20.01 USDC

Amount Paid

20.01 USDC

Replay

View on the Blockchain

Select Wallet

Popular Wallets

BitPay

Coinbase

Exodus Wallet

Trust Wallet

Metamask

Electrum Wallet

Connections

WalletConnect

Search 100+ supported wallets

Pay Now

HODL Pay

Pay with

Ethereum

ETH

2.00

$2.00

Tether

USDT

2.00

$2.00

DAI

DAI

2.00

$2.00

USDC.e

USDC.e

2.00

$2.00

USDC

USDC

2.00

$2.00

Choose Borrowing Position

Manage

Aave v2

$1,230.00 Available

Health

3.5

2.2

Aave v3

$50.00 Available

Health

2.0

1.2

Aave v3

$50.00 Available

Health

5.0

4.2

Aave v4

$10,463.77 Available

Borrow and Pay with

Tether

USDT

0.08%

Borrow APY, Variable

DAI

DAI

0.16%

Borrow APY, Variable

USDC.e

USDC.e

4.17%

Borrow APY, Variable

USDC

USDC

6.32%

Borrow APY, Variable

Aave v2

$1,230.00 Available

Manage

Borrow & Pay With

USDC

Borrow APY, Variable

6.32%

Aave Health Factor

2.5

2.3

Liquidation at <1.0

Time Left

12:34

Network

Polygon

Total Price

$20.00

Exchange Rate

1 USDC @ $1.00

Amount Due

20.01 USDC

I understand that I am borrowing against my crypto assets held in Aave. The borrow terms, including repayments, are managed by Aave, and I am responsible for all associated risks and repayments.

Borrow & Pay

Success!

$20.01

Aave v3

Manage

Borrowed & Paid With

USDC

Borrow APY, Variable

6.32%

Aave Health Factor

2.5

2.3

Liquidation at <1.0

Add your debt token (bUSDC) to your wallet to track your debt.

Add to wallet

Exchange Rate

1 USDC @ $1.00

Network

Polygon

Network Cost

0.01 USDC

Total Due

20.01 USDC

Amount Paid

20.01 USDC

Replay

View on the Blockchain

Select Wallet

Popular Wallets

BitPay

Coinbase

Exodus Wallet

Trust Wallet

Metamask

Electrum Wallet

Connections

WalletConnect

Search 100+ supported wallets

Pay Now

HODL Pay

Pay with

Ethereum

ETH

2.00

$2.00

Tether

USDT

2.00

$2.00

DAI

DAI

2.00

$2.00

USDC.e

USDC.e

2.00

$2.00

USDC

USDC

2.00

$2.00

Choose Borrowing Position

Manage

Aave v2

$1,230.00 Available

Health

3.5

2.2

Aave v3

$50.00 Available

Health

2.0

1.2

Aave v3

$50.00 Available

Health

5.0

4.2

Aave v4

$10,463.77 Available

Borrow and Pay with

Tether

USDT

0.08%

Borrow APY, Variable

DAI

DAI

0.16%

Borrow APY, Variable

USDC.e

USDC.e

4.17%

Borrow APY, Variable

USDC

USDC

6.32%

Borrow APY, Variable

Aave v2

$1,230.00 Available

Manage

Borrow & Pay With

USDC

Borrow APY, Variable

6.32%

Aave Health Factor

2.5

2.3

Liquidation at <1.0

Time Left

12:34

Network

Polygon

Total Price

$20.00

Exchange Rate

1 USDC @ $1.00

Amount Due

20.01 USDC

I understand that I am borrowing against my crypto assets held in Aave. The borrow terms, including repayments, are managed by Aave, and I am responsible for all associated risks and repayments.

Borrow & Pay

Success!

$20.01

Aave v3

Manage

Borrowed & Paid With

USDC

Borrow APY, Variable

6.32%

Aave Health Factor

2.5

2.3

Liquidation at <1.0

Add your debt token (bUSDC) to your wallet to track your debt.

Add to wallet

Exchange Rate

1 USDC @ $1.00

Network

Polygon

Network Cost

0.01 USDC

Total Due

20.01 USDC

Amount Paid

20.01 USDC

Replay

View on the Blockchain

Select Wallet

Popular Wallets

BitPay

Coinbase

Exodus Wallet

Trust Wallet

Metamask

Electrum Wallet

Connections

WalletConnect

Search 100+ supported wallets

Pay Now

HODL Pay

Pay with

Ethereum

ETH

2.00

$2.00

Tether

USDT

2.00

$2.00

DAI

DAI

2.00

$2.00

USDC.e

USDC.e

2.00

$2.00

USDC

USDC

2.00

$2.00

Choose Borrowing Position

Manage

Aave v2

$1,230.00 Available

Health

3.5

2.2

Aave v3

$50.00 Available

Health

2.0

1.2

Aave v3

$50.00 Available

Health

5.0

4.2

Aave v4

$10,463.77 Available

Borrow and Pay with

Tether

USDT

0.08%

Borrow APY, Variable

DAI

DAI

0.16%

Borrow APY, Variable

USDC.e

USDC.e

4.17%

Borrow APY, Variable

USDC

USDC

6.32%

Borrow APY, Variable

Aave v2

$1,230.00 Available

Manage

Borrow & Pay With

USDC

Borrow APY, Variable

6.32%

Aave Health Factor

2.5

2.3

Liquidation at <1.0

Time Left

12:34

Network

Polygon

Total Price

$20.00

Exchange Rate

1 USDC @ $1.00

Amount Due

20.01 USDC

I understand that I am borrowing against my crypto assets held in Aave. The borrow terms, including repayments, are managed by Aave, and I am responsible for all associated risks and repayments.

Borrow & Pay

Success!

$20.01

Aave v3

Manage

Borrowed & Paid With

USDC

Borrow APY, Variable

6.32%

Aave Health Factor

2.5

2.3

Liquidation at <1.0

Add your debt token (bUSDC) to your wallet to track your debt.

Add to wallet

Exchange Rate

1 USDC @ $1.00

Network

Polygon

Network Cost

0.01 USDC

Total Due

20.01 USDC

Amount Paid

20.01 USDC

Replay

View on the Blockchain

HODL Pay is the next giant leap in crypto payments. Unlock liquidity from your crypto without selling. Built as an integration with Aave, the worlds largest liquidity protocol, Aave, HODL Pay connects you to Aave where you can borrow against your long-term holdings and spend with thousands of merchants in the BitPay network

HODL Pay is the next giant leap in crypto payments. Unlock liquidity from your crypto without selling. Built as an integration with Aave, the worlds largest liquidity protocol, Aave, HODL Pay connects you to Aave where you can borrow against your long-term holdings and spend with thousands of merchants in the BitPay network

HODL Pay is the next giant leap in crypto payments. Unlock liquidity from your crypto without selling. Built as an integration with Aave, the worlds largest liquidity protocol, Aave, HODL Pay connects you to Aave where you can borrow against your long-term holdings and spend with thousands of merchants in the BitPay network

Stay invested, spend freely, and own your future.

Keep your stack

Spend without selling or liquidating your assets.

Keep your stack

Spend without selling or liquidating your assets.

Keep your stack

Spend without selling or liquidating your assets.

Keep your stack

Spend without selling or liquidating your assets.

Instant spending power

Connect to Aave to borrow and pay in one transaction.

Instant spending power

Connect to Aave to borrow and pay in one transaction.

Instant spending power

Connect to Aave to borrow and pay in one transaction.

Instant spending power

Connect to Aave to borrow and pay in one transaction.

Integrates with Aave

Borrow against any supply position with Aave to pay.

Integrates with Aave

Borrow against any supply position with Aave to pay.

Integrates with Aave

Borrow against any supply position with Aave to pay.

Integrates with Aave

Borrow against any supply position with Aave to pay.

Spend anywhere

Use HODL Pay at any BitPay merchant.

Spend anywhere

Use HODL Pay at any BitPay merchant.

Spend anywhere

Use HODL Pay at any BitPay merchant.

Spend anywhere

Use HODL Pay at any BitPay merchant.

Insanely flexible

Works with your wallet, tokens, and limits.

Insanely flexible

Works with your wallet, tokens, and limits.

Insanely flexible

Works with your wallet, tokens, and limits.

Insanely flexible

Works with your wallet, tokens, and limits.

Get started

Visit the merchant directory to get started.

Get started

Visit the merchant directory to get started.

Get started

Visit the merchant directory to get started.

Get started

Visit the merchant directory to get started.

How it works

1

Supply

Deposit crypto into Aave’s liquidity pool as collateral. Your assets stay invested and continue earning interest.

1

Supply

Deposit crypto into Aave’s liquidity pool as collateral. Your assets stay invested and continue earning interest.

1

Supply

Deposit crypto into Aave’s liquidity pool as collateral. Your assets stay invested and continue earning interest.

1

Supply

Deposit crypto into Aave’s liquidity pool as collateral. Your assets stay invested and continue earning interest.

2

Borrow & Spend

Choose borrowing options available through Aave at checkout and instantly pay with your borrowed stablecoins.

2

Borrow & Spend

Choose borrowing options available through Aave at checkout and instantly pay with your borrowed stablecoins.

2

Borrow & Spend

Choose borrowing options available through Aave at checkout and instantly pay with your borrowed stablecoins.

2

Borrow & Spend

Choose borrowing options available through Aave at checkout and instantly pay with your borrowed stablecoins.

→ Read our HODL Pay user guide to learn more

Get started with HODL Pay

Before using HODL Pay, you must have an existing supply position on the Aave platform. BitPay facilitates payments using stablecoins you borrow directly from Aave.

Before using HODL Pay, you must have an existing supply position on the Aave platform. BitPay facilitates payments using stablecoins you borrow directly from Aave.

I already have a position

I’m new to Aave

Already have an Aave supply position? Start spending now

1

Generate a BitPay invoice

2

Connect your wallet

3

Borrow from Aave and pay

Tip Visit BitPay’s Merchant Directory for a curated list of top merchants that accept crypto.

I already have a position

I’m new to Aave

Already have an Aave supply position? Start spending now

1

Generate a BitPay invoice

2

Connect your wallet

3

Borrow from Aave and pay

Tip Visit BitPay’s Merchant Directory for a curated list of top merchants that accept crypto.

I already have a position

I’m new to Aave

Already have an Aave supply position? Start spending now

1

Generate a BitPay invoice

2

Connect your wallet

3

Borrow from Aave and pay

Tip Visit BitPay’s Merchant Directory for a curated list of top merchants that accept crypto.

I already have a position

I’m new to Aave

Already have an Aave supply position? Start spending now

1

Generate a BitPay invoice

2

Connect your wallet

3

Borrow from Aave and pay

Tip Visit BitPay’s Merchant Directory for a curated list of top merchants that accept crypto.

BitPay creates tools that make it easy to spend and use cryptocurrency in real life.

BitPay creates tools that make it easy to spend and use cryptocurrency in real life.

+

+

Aave is a decentralized finance (DeFi) protocol that lets users supply crypto as collateral and borrow stablecoins without selling their assets.

Aave is a decentralized finance (DeFi) protocol that lets users supply crypto as collateral and borrow stablecoins without selling their assets.

FAQs about HODL Pay

What is HODL Pay?

What is HODL Pay?

What is HODL Pay?

What is HODL Pay?

How does HODL Pay work?

How does HODL Pay work?

How does HODL Pay work?

How does HODL Pay work?

Does BitPay provide or manage my loan?

Does BitPay provide or manage my loan?

Does BitPay provide or manage my loan?

Does BitPay provide or manage my loan?

What do I need to use HODL Pay?

What do I need to use HODL Pay?

What do I need to use HODL Pay?

What do I need to use HODL Pay?

Can I use HODL Pay for any BitPay transaction?

Can I use HODL Pay for any BitPay transaction?

Can I use HODL Pay for any BitPay transaction?

Can I use HODL Pay for any BitPay transaction?

How do I pay an invoice using HODL Pay?

How do I pay an invoice using HODL Pay?

How do I pay an invoice using HODL Pay?

How do I pay an invoice using HODL Pay?

What cryptocurrencies can I use as collateral?

What cryptocurrencies can I use as collateral?

What cryptocurrencies can I use as collateral?

What cryptocurrencies can I use as collateral?

What stablecoins can I borrow?

What stablecoins can I borrow?

What stablecoins can I borrow?

What stablecoins can I borrow?

What is the Aave Health Factor, and why is it important?

What is the Aave Health Factor, and why is it important?

What is the Aave Health Factor, and why is it important?

What is the Aave Health Factor, and why is it important?

How do I repay my borrowed funds?

How do I repay my borrowed funds?

How do I repay my borrowed funds?

How do I repay my borrowed funds?

Is there a risk of liquidation?

Is there a risk of liquidation?

Is there a risk of liquidation?

Is there a risk of liquidation?

How is this different from selling my crypto to pay?

How is this different from selling my crypto to pay?

How is this different from selling my crypto to pay?

How is this different from selling my crypto to pay?

What are the fees?

What are the fees?

What are the fees?

What are the fees?

Note: All material herein is for informational purposes only, and should not be interpreted as legal, tax, financial, investment or other advice. Nothing contained herein shall constitute an offer, or solicitation of an offer, recommendation, endorsement or offer to invest, buy, or sell any interests, shares, coins, tokens or other crypto assets or to participate in any investment or trading strategy. BitPay is not liable for any errors, omissions or inaccuracies. For legal, tax, investment or financial guidance, a professional should be consulted.