Amber
Bull Bitcoin
Amber
Security: Self-custody; no breach details
Fees: Reasonable; 7.75/10 score
User Experience: User-friendly; easy learning
Customer Support: Contact info available
Regulatory Compliance: Not specified
Features: DCA; sat stacking
Privacy: Not specified
Reputation: Mixed; positive Trustpilot, sketchy vibes Reddit; scam warnings
Limits: Not specified
Fi
Security: Self-custody; no breach details
Fees: Reasonable; 7.75/10 score
User Experience: User-friendly; easy learning
Customer Support: Contact info available
Regulatory Compliance: Not specified
Features: DCA; sat stacking
Privacy: Not specified
Reputation: Mixed; positive Trustpilot, sketchy vibes Reddit; scam warnings
Limits: Not specified
Financial Stability: Robust growth; not recommended by some analysts
Custodian: Ceffu (third-party cold storage)
Bisq
Bull Bitcoin
Amber
Security: Non-custodial; decentralized
Fees: Offer makers save on fees
User Experience: Steeper learning curve; P2P trades not instant like on CEX
Customer Support: Mediation first, escalates to arbitration; occasional unresponsive peers extend resolution (up to 5 days)
Regulatory Compliance: No KYC; decentralized
Features: P2P trades; BTC/fia
Security: Non-custodial; decentralized
Fees: Offer makers save on fees
User Experience: Steeper learning curve; P2P trades not instant like on CEX
Customer Support: Mediation first, escalates to arbitration; occasional unresponsive peers extend resolution (up to 5 days)
Regulatory Compliance: No KYC; decentralized
Features: P2P trades; BTC/fiat/alt
Privacy: High anonymity
Reputation: Mixed; praise for security/privacy, complaints on usability; Trustpilot
Limits: Security deposit 0.0003 BTC
Financial Stability: Open-source; no central funding
Custodian: Non-custodial
Additional Notes: Bisq1 for advanced users; add Bisq Easy (on Bisq2) for newbies with simpler protocol. Trustpilot reviews not targeted for DEXes.
Bull Bitcoin
Bull Bitcoin
Bull Bitcoin
Security: Non-custodial; no breaches
Fees: No hidden; transparent
User Experience: Easy; good for beginners/experts
Customer Support: Responsive; phone for Prime
Regulatory Compliance: No KYC mentioned
Features: DCA; recurring buys; Lightning
Privacy: Self-custody; anonymous
Reputation: High; 4.8/5 Trustpilot
Limits: Unlimited for Prime
Financial
Security: Non-custodial; no breaches
Fees: No hidden; transparent
User Experience: Easy; good for beginners/experts
Customer Support: Responsive; phone for Prime
Regulatory Compliance: No KYC mentioned
Features: DCA; recurring buys; Lightning
Privacy: Self-custody; anonymous
Reputation: High; 4.8/5 Trustpilot
Limits: Unlimited for Prime
Financial Stability: Self-funded; profitable implied
Custodian: Non-custodial
Cash App
Bull Bitcoin
Bull Bitcoin
Security/FDIC: Not a bank; Cash App Card/Savings eligible for FDIC pass-through up to $250K failure (conditions apply). Bitcoin not FDIC/SIPC-insured.
Fees: No stock trade commissions (regulatory fees on sells). P2P free; other services may incur fees.
User Experience: All-in-one app for payments, Card, savings, direct deposit, Bitcoin, inv
Security/FDIC: Not a bank; Cash App Card/Savings eligible for FDIC pass-through up to $250K failure (conditions apply). Bitcoin not FDIC/SIPC-insured.
Fees: No stock trade commissions (regulatory fees on sells). P2P free; other services may incur fees.
User Experience: All-in-one app for payments, Card, savings, direct deposit, Bitcoin, investing.
Customer Support: 24/7 chat; phone 8AM–9:30PM ET daily.
Regulatory Compliance: Brokerage via Cash App Investing LLC (FINRA/SIPC member; SIPC up to $500K for securities). Bitcoin via Block, Inc. (non-FINRA/SIPC).
Features: Borrow (variable availability/limits). Afterpay at merchants. High-yield Savings (eligibility). Free overdraft for eligible with active Card/$300+ monthly deposits (limits vary).
Privacy: Data used for ID verification/security; full notice in-app.
Reputation: Simple, beginner-focused; experiences vary.
Limits: Feature-specific (e.g., sends/receives, Card, deposits); increase with verification.
Financial Stability: Block, Inc. product. Brokerage by Cash App Investing LLC; Bitcoin by Block.
Custody: Program Banks hold Card/Savings for FDIC. SIPC covers securities only.
Hodl Hodl
River Financial
Peach Bitcoin
Security: Non-custodial; multisig escrow
Fees: Transparent; split buyer/seller
User Experience: Simple; anonymous deals
Customer Support: FAQ; guides
Regulatory Compliance: No KYC; anonymous
Features: P2P multisig contracts; testnet
Privacy: High anonymity; no verification
Reputation: Mixed; 7.45/10 fees; some negative reviews
Limits: Not specifi
Security: Non-custodial; multisig escrow
Fees: Transparent; split buyer/seller
User Experience: Simple; anonymous deals
Customer Support: FAQ; guides
Regulatory Compliance: No KYC; anonymous
Features: P2P multisig contracts; testnet
Privacy: High anonymity; no verification
Reputation: Mixed; 7.45/10 fees; some negative reviews
Limits: Not specified
Financial Stability: 8 years; 300k users; stable
Custodian: Non-custodial
Peach Bitcoin
River Financial
Peach Bitcoin
Security: 2-of-2 multisig escrow; non-custodial
Fees: Buy ~11%; sell free
User Experience: Easy app; beginner-friendly
Customer Support: Telegram/Discord; knowledge center
Regulatory Compliance: Swiss licensed FSP
Features: P2P trades; global payments
Privacy: No KYC; anonymous
Reputation: 4/5 Trustpilot; legit despite scam warnings
Limits: Not s
Security: 2-of-2 multisig escrow; non-custodial
Fees: Buy ~11%; sell free
User Experience: Easy app; beginner-friendly
Customer Support: Telegram/Discord; knowledge center
Regulatory Compliance: Swiss licensed FSP
Features: P2P trades; global payments
Privacy: No KYC; anonymous
Reputation: 4/5 Trustpilot; legit despite scam warnings
Limits: Not specified
Financial Stability: Not specified; verifiable code
Custodian: Non-custodial
Relai
River Financial
River Financial
Security: Self-custodial; encrypted
Fees: Transparent
User Experience: Intuitive; quick setup
Customer Support: Fast; accessible staff
Regulatory Compliance: MiCA CASP; VQF SRO
Features: DCA; auto-invest; recurring buys
Privacy: Quick verification
Reputation: 4/5 Trustpilot; positive
Limits: Not specified
Financial Stability: Not specified
Custodian: Self-custodial
River Financial
River Financial
River Financial
Security: Full reserve; multisig cold storage
Fees: Zero recurring buys
User Experience: Best-in-class wallet; easy
Customer Support: US-based human support
Regulatory Compliance: Not specified
Features: DCA; recurring buys; inheritance planning
Privacy: Not specified
Reputation: Solid; some service complaints
Limits: Not specified
Financial Stabi
Security: Full reserve; multisig cold storage
Fees: Zero recurring buys
User Experience: Best-in-class wallet; easy
Customer Support: US-based human support
Regulatory Compliance: Not specified
Features: DCA; recurring buys; inheritance planning
Privacy: Not specified
Reputation: Solid; some service complaints
Limits: Not specified
Financial Stability: Public financials; profitable
Custodian: In-house multisig
Robosats
Unchained Capital
Robosats
Security: Non-custodial; Lightning-based
Fees: Reasonable
User Experience: Good for P2P; private
Customer Support: Not specified
Regulatory Compliance: No KYC; decentralized.
Features: Lightning P2P trades
Privacy: High privacy
Reputation: Excellent for non-KYC; low user base
Limits: Not specified
Financial Stability: Open-source; no central entity
Custodian: Non-custodial
Strike
Unchained Capital
Robosats
Security: User-owned; no lending; audited
Fees: Low; zero DCA
User Experience: Clean UI; easy for beginners
Customer Support: Responsive
Regulatory Compliance: Highly licensed; NMLS 1902919
Features: DCA; Lightning; lending; global transfers; inheritance planning
Privacy: Encrypted data
Reputation: High; 5/5 some reviews
Limits: High/no limits on
Security: User-owned; no lending; audited
Fees: Low; zero DCA
User Experience: Clean UI; easy for beginners
Customer Support: Responsive
Regulatory Compliance: Highly licensed; NMLS 1902919
Features: DCA; Lightning; lending; global transfers; inheritance planning
Privacy: Encrypted data
Reputation: High; 5/5 some reviews
Limits: High/no limits on buy/sell
Financial Stability: Audited; stable
Custodian: Strike (self-custody)
Swan
Unchained Capital
Unchained Capital
Security: Secure custody
Fees: 0.99% flat; zero first $10k
User Experience: Good app; hassle-free
Customer Support: Best-in-class; 4.5/5 Trustpilot
Regulatory Compliance: Not specified
Features: RA; DCA; recurring buys; inheritance planning
Privacy: Not specified
Reputation: Positive; 4/5 Trustpilot
Limits: Not specified
Financial Stability: Thriving; strong foundation
Custodian: Bakkt
Unchained Capital
Unchained Capital
Unchained Capital
Security: Multisig vaults; cold storage
Fees: Not specified
User Experience: Intuitive; expert guidance
Customer Support: Consultations; attentive
Regulatory Compliance: Not specified
Features: Vaults; loans; IRA; trading desk; inheritance planning
Privacy: Not specified
Reputation: Good for security; positive
Limits: Not specified
Financial Stabi
Security: Multisig vaults; cold storage
Fees: Not specified
User Experience: Intuitive; expert guidance
Customer Support: Consultations; attentive
Regulatory Compliance: Not specified
Features: Vaults; loans; IRA; trading desk; inheritance planning
Privacy: Not specified
Reputation: Good for security; positive
Limits: Not specified
Financial Stability: Secures $10B; stable
Custodian: Kingdom Trust (collaborative)