Product Info
Unlock More Crypto Transactions with HODL Pay
Cryptocurrency holders love to invest, but they also want to spend. With HODL Pay, BitPay merchants can now accept crypto payments from customers who prefer to borrow against their holdings instead of selling them. This innovative solution through an integration with Aave enables merchants to increase conversions, expand their crypto customer base, and drive higher-value purchases, all without requiring users to liquidate their assets.
What is HODL Pay?
HODL Pay is a payment option that integrates directly into the BitPay checkout process, allowing customers to borrow against their crypto using Aave, a decentralized lending platform, and pay using those borrowed assets, unlocking spending power without having to sell their assets.
What HODL Pay means for merchants
Increase Crypto Transactions – Reduce purchasing friction for crypto users who want to maintain their investment positions.
Expand Your Customer Base – Attract and retain high-value crypto customers who actively engage in DeFi and long-term holding strategies.
Higher Spending Power – Crypto users can spend more when they don't have to liquidate their holdings.
Seamless Integration – Works within the existing BitPay merchant checkout flow with no additional setup required.
Next Day Settlement - Merchants still receive settlements in their preferred fiat currency or cryptocurrency.
What merchants need to know
Powered by Aave: HODL Pay leverages the Aave DeFi protocol, enabling customers to borrow stablecoins from Aave against their crypto holdings.
Supports Ethereum & Layer 2 Networks: Works on Ethereum, Arbitrum, Base, and Optimism networks, ensuring broad accessibility.
No Additional Setup Required: HODL Pay is automatically available for all BitPay merchants, there’s nothing extra existing BitPay merchants need to do to enable HODL Pay..
Start Accepting HODL Pay Transactions Today
HODL Pay is now available to all BitPay merchants. If you're already accepting crypto payments with BitPay, you're all set. Customers with existing Aave supply conditions will see HODL Pay as an option at checkout when applicable.
Not a BitPay merchant yet? Get started today and unlock a whole new way to engage crypto customers.
HODL Pay provides the ability for a user to connect with Aave to borrow stablecoins to spend through BitPay. BitPay does not lend stablecoins or hold collateral. Loan management, collateral liquidation and repayment of borrowed assets is solely done by or through the Aave protocol. BitPay is not responsible for anything that might impact the Aave protocol, including cyber-security events or hacks of the Aave protocol. Additionally, BitPay has no responsibility with respect to the loans, including without limitation errors, loss of collateral, ability to access your collateral, or liquidations.
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.
