Satoshi
Satoshi is a mobile-first Bitcoin super app for individual users that combines a custodial BTC/USD account, a self-custodial Lightning wallet, spending (Card), Bitcoin-backed borrowing, and a rewards-and-education layer in a single iOS/Android application.
- Company typePrivate
- Founded2023
- HeadquartersMiami, United States
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Satoshi does
Satoshi operates a mobile-first Bitcoin super app that consolidates the full lifecycle of Bitcoin usage — purchasing, sending, receiving, earning rewards, spending, borrowing, and learning — into a single iOS/Android application. Technically, the app pairs a custodial 'Exchange Account' holding both BTC and USD balances with a non-KYC self-custodial Lightning wallet branded 'Flash Wallet', supported by LNURL-based custom usernames, a recurring and instant buy engine, a Bitcoin-collateralized USD lending book, and a debit card ('Satoshi Card') that returns cashback in Bitcoin. The company describes itself as the first platform globally to combine a custodial bank account and a self-custodial Lightning wallet in one app, leaning on the Lightning Network for borderless, low-cost settlement and avoiding geographic or account-type trade-offs that force users to choose between custody and convenience.
Satoshi firmographics
Firmographics- Name
- Satoshi
- Website
- https://satoshi.money
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Satoshi is a mobile-first Bitcoin super app for individual users that combines a custodial BTC/USD account, a self-custodial Lightning wallet, spending (Card), Bitcoin-backed borrowing, and a rewards-and-education layer in a single iOS/Android application.
- Ownership category
- akta.pro rank
Satoshi industry classification
Industry- Product category
- Bitcoin Financial Services App
- NAICS
- Credit Card Issuing (52221)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)
Keywords
Where Satoshi is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Satoshi business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees: Fees charged on Bitcoin purchases, sales, and Lightning network transactions
- Referral Revenue Share: Earn 21% of referred users' fees to Satoshi for life, creating recurring revenue from network growth
- Borrowing Interest: Interest earned on Bitcoin-collateralized dollar loans
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
Satoshi product offering
Product offeringCore offering
Satoshi is a Bitcoin super app that combines a custodial bank account for BTC and USD with a self-custodial Lightning wallet in a single mobile application. The app lets users buy Bitcoin instantly or via recurring purchases, send and receive money globally over the Lightning Network using custom LNURL usernames, earn Satsback rewards on app activity, spend Bitcoin at merchants with cashback via the Satoshi Card, borrow US dollars against Bitcoin collateral, and access curated Bitcoin educational content.
Product overview
Satoshi is a unified Bitcoin super app combining Exchange Account (custodial bank account for BTC and USD), Flash Wallet (self-custodial Lightning wallet without KYC), Bitcoin purchasing with instant and recurring buy options, Lightning Network payments with custom usernames and contacts, Satsback earn rewards with referral commissions, curated education content, Satoshi Card for spending with cashback, and Bitcoin-backed dollar borrowing—all integrated into a single mobile application for iOS and Android.
Differentiator
Problem solved
Functional benefit
Brands
- Exchange Account: Custodial bank account for both BTC and USD
- Flash Wallet
- Satoshi Card
Products and services
- Satoshi App The primary mobile super app that integrates custodial BTC/USD banking, a self-custodial Lightning wallet, Bitcoin purchasing, Lightning payments, Satsback rewards, curated education, debit card spending, and Bitcoin-collateralized borrowing into a single platform aimed at individual Bitcoin users.
- Satoshi Card A debit card that lets users spend their Bitcoin holdings at merchants and earn cashback rewards in Bitcoin with every swipe.
- Bitcoin-Backed Borrowing A loan service that allows Satoshi users to borrow US dollars using their Bitcoin as collateral, avoiding the need to sell the BTC, with 24/7 dollar access and user-chosen payback timing.
Quantifiable outcome
- Free to receive money
- +1 more outcomes
Companies that use Satoshi
Customer profileSegments1 record
Ideal customer profiles1 record
Satoshi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Satoshi partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights5 records
Satoshi competitors and assessment
Company assessmentDirect peers
- BitPay: BitPay is a long-standing Bitcoin payments platform offering merchant acceptance, a crypto card, and a wallet. It overlaps with Satoshi on Lightning-adjacent payments, card spending, and BTC purchase functionality, with comparable merchant and consumer exposure.
- River: River is a Bitcoin-only financial services platform offering recurring purchases, custody, and Bitcoin-collateralized lending. It competes with Satoshi on the buy and borrow surfaces, particularly for more serious Bitcoin holders, though it lacks a Lightning payments focus.
- Swan Bitcoin: Swan Bitcoin is a Bitcoin-only platform specializing in automated recurring purchases, retirement accounts, and custody, with a strong Bitcoin-education brand. It overlaps with Satoshi on buy, education, and Bitcoin-native positioning, though with a different target user (long-term savers rather than active Lightning users).
- Strike: Strike is a Bitcoin-native payments and super-app built on the Lightning Network, offering buy, pay, and earn functionality. It is the closest direct competitor to Satoshi, with overlapping product surface, target audience (Bitcoin users), and Lightning-based payment infrastructure.
- BlueWallet: BlueWallet is an open-source self-custodial Bitcoin wallet with strong Lightning Network support. It competes with Satoshi's Flash Wallet on the no-KYC, self-custody Lightning experience, though it lacks the custodial banking, card, and lending surfaces that complete Satoshi's super-app.
- Fold: Fold is a Bitcoin rewards and debit card app that gives users Bitcoin cashback on spending, plus buying and earning functionality. It directly overlaps with Satoshi's Satsback rewards and Satoshi Card product lines, serving the same Bitcoin-as-money consumer segment.
- Wallet of Satoshi: Wallet of Satoshi is one of the most popular custodial Lightning wallets globally, focused on instant, low-friction Bitcoin payments. It directly overlaps with Satoshi's Flash Wallet and Lightning payment features, though it lacks the broader super-app bundling.
Broad incumbents
- Coinbase: Coinbase is the largest US-regulated crypto exchange, offering buy/sell, custody, a debit card, and a self-custody wallet. It competes with Satoshi on buy, spend (Coinbase Card), and wallet features, though as a much broader multi-asset platform rather than a Bitcoin-only super app.
- Cash App (Block): Cash App, a Block product, is one of the largest consumer Bitcoin on-ramps in the US, also offering a debit card, instant payments, and stock trading. It competes with Satoshi on Bitcoin purchase, card spending, and P2P payments, though as a much broader fintech incumbent rather than a Bitcoin-specialist.
Regional players
- Relai: Relai is a European Bitcoin-only app focused on simple recurring and one-time Bitcoin purchases, with a non-custodial wallet. It is comparable to Satoshi on the buy and self-custody surfaces, but primarily serves European users and lacks Lightning payments, card, and borrowing.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Satoshi social profiles
Digital presenceSatoshi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Satoshi leadership team
Management profileNumber of profiles
Profiles3 records
Satoshi funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Satoshi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Satoshi
What does Satoshi do?
Satoshi is a Bitcoin super app that combines a custodial bank account for BTC and USD with a self-custodial Lightning wallet in a single mobile application. The app lets users buy Bitcoin instantly or via recurring purchases, send and receive money globally over the Lightning Network using custom LNURL usernames, earn Satsback rewards on app activity, spend Bitcoin at merchants with cashback via the Satoshi Card, borrow US dollars against Bitcoin collateral, and access curated Bitcoin educational content.
Is Satoshi a public or private company?
Satoshi is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Satoshi founded?
Satoshi was founded in 2023. It employs 11 to 50 people.
Where is Satoshi based?
Satoshi is headquartered in Miami, United States, in the North America region.
How does Satoshi make money?
Three revenue lines are on record. Transaction Fees are the primary driver. The others are referral Revenue Share and borrowing Interest.
Who are Satoshi's main competitors?
Direct peers on record are BitPay, River, Swan Bitcoin, Strike, BlueWallet, Fold and Wallet of Satoshi. Broad incumbents are Coinbase and Cash App (Block). Relai is listed as a regional player.
Does Satoshi have an API?
No public API is recorded for Satoshi.
What industry is Satoshi in?
Satoshi's product category is Bitcoin Financial Services App. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSADAIAE, On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks. Its NAICS code is 52221 and its SIC code is 6199.