Does Apple Pay accept BTC as a direct payment method? As of February 2026, Apple Pay does not natively accept Bitcoin or other cryptocurrencies for direct transactions. While Apple has made significant strides in blockchain technology integration, the company has not enabled BTC payments through its proprietary payment platform. However, workarounds and third-party solutions now make it possible to use cryptocurrency within the Apple ecosystem.

In short: Apple Pay does not accept BTC directly in 2026. Users cannot add Bitcoin wallets to Apple Pay or use BTC for contactless payments at retail locations. However, cryptocurrency debit cards that convert BTC to fiat can be added to Apple Pay, and several specialized platforms now allow purchasing Apple products with Bitcoin. For those looking to learn more about these alternatives, our guide on Apple’s cryptocurrency payment features provides comprehensive details.

What Payment Methods Does Apple Pay Currently Support?

Put simply: Apple Pay supports credit cards, debit cards, prepaid cards, and Apple Cash in 2026. The platform works with major card networks including Visa, Mastercard, American Express, and Discover. Users can also link store cards, transit cards, and select digital wallets, but native cryptocurrency support remains absent. The system processes transactions by tokenizing card information rather than handling digital currency directly.

Traditional Payment Cards

Apple Pay accepts nearly all major credit and debit cards from participating banks worldwide. As of 2026, over 10,000 financial institutions across 70+ countries support Apple Pay integration. Card tokenization technology protects user data by generating unique transaction codes for each purchase.

The platform also supports multiple cards per device, allowing users to set a default payment method. Switching between cards takes seconds through the Wallet app interface. This flexibility has made Apple Pay one of the most widely adopted mobile payment systems globally.

Apple Cash and Peer-to-Peer Transfers

Apple Cash functions as a digital wallet within Apple Pay for US users. The service enables person-to-person transfers through iMessage and acts as a reloadable payment card. Users can receive money directly to Apple Cash and spend it anywhere Apple Pay is accepted.

The Apple Cash card operates on the Discover network in the United States. Monthly transaction limits apply based on identity verification levels. While convenient, Apple Cash only handles US dollars and does not support cryptocurrency deposits or transfers.

Crypto Debit Cards as a Workaround

Cryptocurrency debit cards bridge the gap between digital assets and Apple Pay functionality. Services like Coinbase Card, Crypto.com Visa, and BitPay allow users to spend cryptocurrency by automatically converting it to fiat. These cards can be added to Apple Pay like any traditional debit card.

When making purchases, the card provider sells the equivalent amount of cryptocurrency from your balance. The merchant receives standard fiat currency while you effectively spend Bitcoin or other digital assets. This workaround enables indirect BTC usage through Apple Pay without native support.

Why Doesn’t Apple Pay Accept BTC Directly?

The key takeaway is: Apple Pay doesn’t accept BTC due to regulatory complexity, volatility concerns, and infrastructure limitations. Apple’s payment system relies on partnerships with traditional financial institutions and card networks that operate within established regulatory frameworks. Integrating cryptocurrency would require navigating inconsistent global regulations, managing price fluctility risks, and rebuilding core payment processing architecture. The company has prioritized stability and universal acceptance over cryptocurrency innovation in its payment platform.

Regulatory and Compliance Challenges

Cryptocurrency regulations vary dramatically across Apple Pay’s 70+ supported countries. Some nations embrace digital currencies while others impose strict restrictions or outright bans. Building a compliant global BTC payment system would require country-specific implementations and ongoing regulatory monitoring.

Financial institutions partnering with Apple Pay must comply with anti-money laundering and know-your-customer requirements. Cryptocurrency transactions introduce additional compliance burdens that many banks are unprepared to handle. Apple likely views this regulatory complexity as incompatible with its streamlined user experience philosophy.

Price Volatility and Merchant Acceptance

Bitcoin’s price volatility creates practical problems for everyday transactions. A coffee purchased with BTC could theoretically cost significantly different amounts minutes apart. Merchants generally prefer stable currencies that maintain predictable value throughout business operations.

Most retailers accepting Apple Pay expect settlement in local fiat currency. Integrating BTC would require real-time conversion mechanisms and additional merchant education. The added complexity offers little immediate benefit when crypto debit cards already provide this functionality.

Technical Infrastructure Limitations

Apple Pay’s architecture centers on NFC technology and tokenized card credentials. Cryptocurrency wallets operate on entirely different blockchain-based infrastructure with private keys and distributed ledgers. Merging these systems would require fundamental redesign of Apple’s payment processing backend.

Transaction speed also poses challenges. Bitcoin’s average confirmation time of 10 minutes conflicts with Apple Pay’s instant authorization model. Layer-2 solutions like Lightning Network could address this, but would add significant implementation complexity.

How Can You Buy Apple Products with Bitcoin in 2026?

Here’s the bottom line: Purchasing Apple products with Bitcoin in 2026 requires specialized retailers and cryptocurrency payment processors. While Apple’s official stores don’t accept BTC directly, several reputable platforms facilitate crypto-to-Apple-product transactions. These include dedicated cryptocurrency electronics retailers, peer-to-peer marketplaces, and gift card exchange services. For detailed purchasing instructions, our comprehensive guide to buying Apple devices with cryptocurrency covers all available options.

Specialized Cryptocurrency Retailers

AppleBTCs.com has emerged as a leading platform for purchasing Apple products with Bitcoin and 50+ other cryptocurrencies. The service offers anonymous purchases without account requirements, free worldwide shipping, and 30-day return policies. Both new and certified refurbished Apple products are available at competitive prices.

Other cryptocurrency electronics retailers include Newegg, which accepts Bitcoin through BitPay integration. These platforms handle the crypto-to-fiat conversion on the backend while providing standard e-commerce experiences. Prices typically match or beat traditional retailers when accounting for cryptocurrency appreciation potential.

Gift Card Exchange Services

Purchasing Apple gift cards with Bitcoin provides indirect access to official Apple Store inventory. Services like Bitrefill and CoinCards sell Apple gift cards for cryptocurrency at face value. Users can then redeem these cards on Apple.com or in physical Apple Stores.

This method offers complete product selection including the latest releases and customization options. Transaction times vary based on blockchain congestion but typically complete within 30 minutes. The approach works particularly well for digital purchases like apps, subscriptions, and media content.

Peer-to-Peer Marketplaces

P2P platforms connect buyers with Bitcoin to sellers accepting cryptocurrency. LocalBitcoins and Paxful enable users to find local sellers willing to purchase Apple products on behalf of crypto buyers. Escrow services protect both parties during these transactions.

This method can yield competitive pricing, especially when sellers need to liquidate cryptocurrency quickly. However, it requires more careful vetting of counterparties and typically takes longer than specialized retailers. Buyer protections vary significantly between platforms and individual sellers.

What Alternative Crypto Payment Solutions Work with iPhones?

In summary: iPhone users can access cryptocurrency payment functionality through dedicated wallet apps, browser extensions, and Lightning Network integrations. While Apple Pay itself doesn’t support BTC, iOS offers robust support for third-party cryptocurrency applications. Leading solutions include Coinbase Wallet, Trust Wallet, MetaMask mobile, and specialized Lightning wallets like Phoenix and Breez. These apps enable sending, receiving, and spending cryptocurrency directly from iPhones without requiring Apple Pay integration.

Standalone Cryptocurrency Wallet Apps

The iOS App Store hosts dozens of cryptocurrency wallet applications supporting Bitcoin and altcoins. Coinbase Wallet, Trust Wallet, and Exodus provide user-friendly interfaces for managing digital assets. These apps connect to decentralized applications and merchant payment processors independently of Apple Pay.

QR code scanning enables quick in-person cryptocurrency payments at supporting merchants. Users simply scan the merchant’s payment address and authorize the transaction from their wallet app. Confirmation times depend on network congestion and selected transaction fees.

Lightning Network Mobile Wallets

Lightning Network technology dramatically improves Bitcoin payment speed and reduces fees. Mobile Lightning wallets like Phoenix, Breez, and BlueWallet enable near-instant Bitcoin transactions on iPhone. These apps particularly excel for small everyday purchases where on-chain Bitcoin proves impractical.

Lightning adoption has accelerated significantly throughout 2025 and 2026. Thousands of merchants worldwide now accept Lightning payments for instant settlement. The technology addresses Bitcoin’s scalability limitations while maintaining decentralization and security properties.

Integration with DeFi and Web3 Applications

iPhone cryptocurrency wallets increasingly connect with decentralized finance protocols and Web3 applications. Users can lend, borrow, swap, and earn yield on digital assets directly from mobile devices. MetaMask mobile and Rainbow Wallet specialize in Ethereum ecosystem integration.

These platforms enable sophisticated cryptocurrency operations beyond simple payments. Users can participate in liquidity pools, stake assets, and interact with NFT marketplaces. The functionality far exceeds anything currently possible through Apple Pay’s centralized infrastructure. Our guide on using crypto on MacBooks explores similar capabilities for desktop users.

Has Apple Made Any Moves Toward Cryptocurrency Integration?

Put simply: Apple has shown increasing interest in cryptocurrency and blockchain technology through strategic hires, patent filings, and selective integrations. The company hired several blockchain experts in 2024-2025 and filed patents related to cryptocurrency transaction verification. Apple’s App Store policies evolved to permit more cryptocurrency functionality, and the company explored NFT integration within its ecosystem. However, these moves focus on infrastructure and third-party enablement rather than direct cryptocurrency adoption in Apple Pay or core services.

Strategic Hiring and Research Initiatives

Apple hired cryptocurrency and blockchain specialists for its payments division throughout 2024 and 2025. Job postings specifically mentioned experience with digital currencies and distributed ledger technology. These hires suggest ongoing research even without immediate product announcements.

The company has also expanded its payments team to explore alternative payment methods globally. Industry analysts interpret this as preparation for potential future cryptocurrency integration. However, Apple maintains its characteristic secrecy about specific project timelines and implementation plans.

App Store Policy Evolution

Apple significantly relaxed App Store restrictions on cryptocurrency applications in 2024. The updated guidelines permit more wallet functionality, DeFi integrations, and NFT features. This policy shift enabled better cryptocurrency experiences on iOS devices even without native support.

The changes particularly benefited decentralized applications requiring transaction signing and smart contract interaction. Developers can now implement more sophisticated cryptocurrency features while maintaining App Store compliance. This suggests Apple recognizes cryptocurrency’s growing importance even if internal integration remains limited.

Patent Filings and Technology Development

Apple filed multiple blockchain-related patents between 2023 and 2026. These include systems for cryptocurrency transaction verification, secure key storage, and blockchain-based authentication. Patent activity indicates ongoing research and development even without confirmed product plans.

One notable patent describes a method for verifying cryptocurrency transactions using biometric authentication. This could theoretically integrate with Face ID or Touch ID for secure Bitcoin payments. However, patents often explore possibilities that never reach consumer products. For context on how cryptocurrency values fluctuate, see our analysis of Bitcoin-to-dollar conversions.

What Are the Best Crypto Debit Cards for Apple Pay in 2026?

The key takeaway is: Several cryptocurrency debit cards integrate seamlessly with Apple Pay in 2026, enabling indirect BTC spending. Top options include Coinbase Card, Crypto.com Visa Card, BitPay Card, and Gemini Credit Card. These cards convert cryptocurrency to fiat at the point of sale while functioning as standard debit or credit cards. They offer varying fee structures, reward programs, and supported cryptocurrencies. Users can add these cards to Apple Pay and use them anywhere contactless payments are accepted.

Feature Comparison Table

Coinbase Card Benefits and Limitations

Coinbase Card offers the broadest cryptocurrency support with over 20 digital assets. Users can select which cryptocurrency to spend from their Coinbase account balance. The card automatically converts the chosen crypto to USD at Coinbase exchange rates during transactions.

Rewards reach up to 4% back in select cryptocurrencies, making it competitive with traditional cashback cards. No monthly or annual fees apply, though Coinbase charges standard cryptocurrency trading spreads. The card works globally wherever Visa is accepted and integrates smoothly with Apple Pay.

Crypto.com Visa Card Tier System

Crypto.com offers tiered cards based on CRO token staking amounts. Higher tiers provide better rewards, increased ATM withdrawal limits, and premium perks. The top-tier card delivers 5% cashback on all purchases plus airport lounge access and streaming service rebates.

Lower tiers require no staking but offer reduced benefits. All tiers support Apple Pay integration and global usage. The staking requirement locks funds for 180 days, creating an opportunity cost compared to fee-free alternatives.

Setting Up Crypto Cards with Apple Pay

Adding cryptocurrency debit cards to Apple Pay follows the same process as traditional cards. Open the Wallet app, tap the plus icon, and select “Debit or Credit Card.” Scan the physical card or enter details manually, then verify through the card issuer’s app.

Most crypto card providers support instant verification through their mobile applications. Once added, the card appears in Apple Pay alongside traditional payment methods. Users can set the crypto card as default or select it manually for each transaction. For broader cryptocurrency purchasing options, explore our guide on buying laptops with crypto.

How Do Cryptocurrency Transactions Compare to Apple Pay for Security?

In summary: Cryptocurrency transactions and Apple Pay offer fundamentally different security models with distinct advantages. Apple Pay relies on tokenization, biometric authentication, and centralized fraud protection through card issuers. Cryptocurrency transactions use cryptographic signatures, irreversible blockchain settlement, and user-controlled private keys. Apple Pay provides better fraud recovery through chargebacks while cryptocurrency offers superior transaction finality and freedom from third-party control. Neither system is universally superior—the best choice depends on specific use cases and user priorities.

Apple Pay Security Architecture

Apple Pay implements multiple security layers to protect user payment information. Device-specific numbers and unique transaction codes prevent card details from being exposed during purchases. The Secure Element chip isolates payment data from the main operating system and potential malware.

Biometric authentication via Face ID or Touch ID adds another protection layer. Users must authorize each transaction with their face or fingerprint, preventing unauthorized use if devices are stolen. Apple never stores original card numbers on devices or servers, maintaining privacy even if systems are compromised.

Cryptocurrency Self-Custody Security

Cryptocurrency wallets use public-key cryptography to secure funds. Only users with private keys can authorize transactions from their addresses. This eliminates single points of failure inherent in centralized payment systems but places full security responsibility on users.

Hardware wallets and multi-signature setups provide additional security for significant cryptocurrency holdings. These solutions protect against software vulnerabilities and social engineering attacks. However, they require more technical knowledge than simply adding a card to Apple Pay.

Fraud Protection and Dispute Resolution

Apple Pay benefits from traditional banking fraud protections including chargebacks and purchase disputes. Users can contest unauthorized transactions through card issuers with reasonable expectation of reimbursement. This safety net protects consumers from merchant fraud and account compromise.

Cryptocurrency transactions are irreversible by design, offering no chargeback mechanism. While this finality benefits merchants and prevents payment fraud, it leaves buyers vulnerable to scams. Blockchain transparency enables some recovery efforts, but cryptocurrency’s pseudonymous nature complicates enforcement. Tax implications also differ significantly—see our guide on IRS cryptocurrency wallet visibility for compliance details.

Will Apple Pay Support Bitcoin in the Future?

Here’s the bottom line: Apple Pay may eventually support Bitcoin, but no official timeline exists as of February 2026. Industry analysts predict cryptocurrency integration could occur within 3-5 years if regulatory frameworks stabilize and consumer demand intensifies. Apple’s cautious approach to new payment technologies suggests the company will wait for proven use cases and reduced implementation risks. Meanwhile, third-party solutions and crypto debit cards provide functional alternatives. The company’s actions regarding strategic hires and patents indicate ongoing interest rather than imminent deployment.

Factors That Could Accelerate Integration

Clear regulatory frameworks in major markets could remove Apple’s primary implementation barrier. If the United States, European Union, and other key jurisdictions establish consistent cryptocurrency rules, compliance complexity decreases. Several countries are actively developing comprehensive digital asset regulations expected in 2026-2027.

Widespread merchant demand would also motivate Apple Pay cryptocurrency support. If significant percentages of retailers actively request Bitcoin payment options, Apple may prioritize development. Current merchant interest remains moderate but grows steadily as cryptocurrency adoption expands globally.

Potential Implementation Approaches

Apple could integrate cryptocurrency through partnership with established exchanges rather than building infrastructure independently. Collaborations with Coinbase, Kraken, or other major platforms would leverage existing compliance and conversion systems. This approach minimizes Apple’s direct cryptocurrency exposure while providing user functionality.

Alternatively, Apple might implement Lightning Network support for Bitcoin microtransactions. Lightning’s instant settlement and low fees align better with Apple Pay’s user experience than base-layer Bitcoin. This targeted approach could test cryptocurrency integration without overhauling the entire payment platform.

Market Predictions and Expert Analysis

Financial analysts at major institutions predict 40-50% probability of Apple Pay cryptocurrency integration by 2028. These forecasts cite increasing institutional adoption and maturing cryptocurrency infrastructure. However, predictions have consistently proven premature as Apple maintains conservative payment strategy.

Our research team at AppleBTCs believes selective cryptocurrency features will emerge before full Bitcoin integration. Apple may enable crypto-to-fiat conversions within Apple Wallet or partner with crypto card providers. These intermediate steps would test market response while avoiding direct cryptocurrency custody responsibilities. For broader ecosystem analysis, review our insights on how Apple products affect stock performance.

What Are the Practical Alternatives to Using BTC with Apple Pay?

Put simply: Practical alternatives to direct BTC support in Apple Pay include cryptocurrency debit cards, gift card purchases, specialized retailers, and stablecoin conversions. Each method offers different tradeoffs regarding convenience, fees, and privacy. Crypto debit cards provide the closest experience to native integration, while gift cards maximize product selection. Dedicated cryptocurrency retailers like AppleBTCs.com offer the best anonymity and direct crypto acceptance. Stablecoin conversions minimize volatility exposure during transactions.

Stablecoin Strategy for Reduced Volatility

Converting Bitcoin to stablecoins like USDC or USDT before purchases eliminates price volatility concerns. Users can hold stablecoins on crypto debit cards or exchange platforms until ready to spend. This approach maintains cryptocurrency benefits while avoiding the risk of value fluctuation between purchase decision and transaction completion.

Stablecoin transactions typically settle faster and cost less than Bitcoin on-chain transfers. Many cryptocurrency debit cards prioritize stablecoin support precisely because of these advantages. The strategy works especially well for planned purchases where exact amounts can be converted in advance.

Cryptocurrency Exchange Direct Purchases

Major cryptocurrency exchanges now offer shopping features enabling direct product purchases. Coinbase Commerce and similar platforms let merchants accept cryptocurrency payments without specialized integration. Some exchanges partner with retailers to offer cryptocurrency-priced Apple products.

These platforms handle conversion rates, transaction processing, and merchant settlements. Users browse products priced in cryptocurrency or fiat equivalent amounts. The experience resembles traditional e-commerce but settles in digital assets on the backend.

Peer-to-Peer Local Trading

Local Bitcoin trading enables face-to-face exchanges with individuals willing to purchase Apple products. Buyers provide cryptocurrency while sellers use traditional payment methods to acquire products. Escrow services and reputation systems reduce counterparty risks in these arrangements.

This approach often yields the best exchange rates as it eliminates platform fees. However, it requires more time investment and careful vetting of trading partners. Local trading works particularly well in areas with active cryptocurrency communities and established meetup groups. For step-by-step instructions on various methods, consult our detailed guide on paying with Bitcoin on iPhone.

Comparison: Apple Pay vs. Cryptocurrency Payment Methods

This comparison illustrates that each payment method excels in different scenarios. Apple Pay offers unmatched convenience and merchant acceptance for traditional commerce. Direct cryptocurrency provides superior privacy and freedom from financial intermediaries but requires technical knowledge.

Crypto debit cards bridge both worlds by combining widespread acceptance with cryptocurrency ownership benefits. They represent the most practical solution for users wanting to spend BTC through Apple Pay. Transaction costs vary significantly, so comparing specific use cases before choosing a method makes financial sense.

Frequently Asked Questions

Can I add a Bitcoin wallet to Apple Pay?

No, you cannot add a Bitcoin wallet directly to Apple Pay as of February 2026. Apple Pay only supports traditional credit cards, debit cards, and Apple Cash. However, you can add cryptocurrency debit cards from providers like Coinbase or Crypto.com to Apple Pay, which automatically convert your Bitcoin to fiat currency when making purchases. This provides similar functionality to direct Bitcoin integration.

Does Apple accept Bitcoin for purchases on Apple.com?

Apple does not accept Bitcoin or other cryptocurrencies directly on Apple.com or in physical Apple Stores. The official payment methods include credit cards, debit cards, Apple Pay, Apple Card, and PayPal in select regions. To buy Apple products with Bitcoin, you must use specialized retailers like AppleBTCs.com that accept cryptocurrency, purchase Apple gift cards with BTC, or use crypto debit cards.

What is the easiest way to spend Bitcoin on Apple products?

The easiest way to spend Bitcoin on Apple products in 2026 is using a cryptocurrency debit card added to Apple Pay. Services like Coinbase Card convert your Bitcoin to dollars automatically during purchases, working anywhere Apple Pay is accepted. Alternatively, platforms like AppleBTCs.com specialize in selling Apple products directly for Bitcoin with no account requirements, offering free worldwide shipping and supporting 50+ cryptocurrencies.

Are there fees when using crypto debit cards with Apple Pay?

Cryptocurrency debit cards typically charge conversion spreads rather than direct transaction fees. When you spend Bitcoin through a crypto card, the provider sells your BTC at their exchange rate, which includes a markup of 0.5-2% compared to market rates. Some cards also charge foreign transaction fees for international purchases. Monthly maintenance fees vary by provider, with many premium cards requiring cryptocurrency staking to waive fees.

Is it safe to buy Apple products with Bitcoin?

Buying Apple products with Bitcoin is safe when using reputable platforms with established track records. Look for services offering buyer protection, clear return policies, and transparent pricing. AppleBTCs.com provides 30-day returns and free worldwide shipping, while gift card platforms like Bitrefill offer instant delivery with money-back guarantees. Always verify seller reputation and avoid deals that seem too good to be true, as cryptocurrency transactions are irreversible.

Can I use Lightning Network payments with iPhone?

Yes, you can use Lightning Network Bitcoin payments on iPhone through dedicated wallet apps. Applications like Phoenix, Breez, BlueWallet, and Muun support Lightning transactions with user-friendly interfaces. These wallets enable instant, low-fee Bitcoin payments by scanning QR codes at supporting merchants. While Lightning wallets don’t integrate with Apple Pay, they provide superior Bitcoin payment experiences compared to on-chain transactions for everyday purchases.

Will Apple ever add native cryptocurrency support to Apple Pay?

Apple has not announced plans for native cryptocurrency support in Apple Pay as of February 2026. Industry analysts estimate 40-50% probability of integration by 2028 if regulatory frameworks stabilize. Apple’s hiring of blockchain specialists and related patent filings suggest ongoing research. However, the company’s conservative approach to new payment technologies means cryptocurrency support will likely require proven consumer demand and clear compliance pathways before implementation.

How do crypto debit card rewards compare to traditional credit cards?

Top cryptocurrency debit cards offer rewards competitive with premium traditional credit cards. Crypto.com’s highest tier provides 5% cashback, while Coinbase Card delivers up to 4% back in cryptocurrency. These rates match or exceed most standard credit cards. However, crypto card rewards come as digital assets subject to price volatility, and high-reward tiers often require significant cryptocurrency staking, creating opportunity costs not present in traditional cards.

Conclusion

Does Apple Pay accept BTC in 2026? The direct answer remains no—Apple has not integrated native cryptocurrency support into its payment platform. However, the ecosystem offers multiple practical alternatives for spending Bitcoin on Apple products and services.

Cryptocurrency debit cards provide the closest experience to direct integration, enabling Apple Pay users to spend Bitcoin at millions of merchants worldwide. These cards automatically convert digital assets to fiat currency while maintaining the convenience and security of traditional payment methods.

For those seeking to purchase Apple devices with Bitcoin directly, specialized retailers offer comprehensive solutions. AppleBTCs.com has established itself as a trusted platform with anonymous purchasing, broad cryptocurrency support, and customer-friendly policies. The service provides access to the full Apple product lineup without requiring currency conversion or account creation.

Apple’s increasing blockchain-related activity suggests potential future cryptocurrency integration. Strategic hires, patent filings, and evolving App Store policies demonstrate recognition of digital currency importance. Whether this research translates to Apple Pay Bitcoin support remains uncertain, but the groundwork appears to be developing.

Until native support arrives, current solutions effectively bridge cryptocurrency and Apple’s ecosystem. Whether through crypto debit cards, gift card purchases, or dedicated retailers, Bitcoin holders can access Apple products without waiting for official integration. The question isn’t whether you can use BTC for Apple purchases, but which method best suits your specific needs.

For comprehensive guides on cryptocurrency and Apple products, explore our related resources on buying MacBooks with Bitcoin and understanding cryptocurrency value calculations. Stay informed as this rapidly evolving space continues to develop new solutions for digital asset adoption.