Paying with Bitcoin on iPhone requires a compatible crypto wallet app, a funded Bitcoin wallet, and merchant acceptance of cryptocurrency payments. Your iPhone’s ecosystem supports multiple Bitcoin wallet options through the App Store, making digital currency transactions as simple as using Apple Pay. The process involves downloading a wallet app, receiving Bitcoin, and scanning QR codes at checkout.

What Do You Need to Pay with Bitcoin on iPhone?

Setting up Bitcoin payments on your iPhone requires three essential components before making your first transaction. The good news is that all necessary tools are available directly through Apple’s App Store. Your iPhone’s security features actually make it one of the safest devices for cryptocurrency transactions.

Essential Wallet Apps for iPhone

The App Store hosts dozens of Bitcoin wallet applications, but quality varies significantly. Coinbase Wallet, BlueWallet, and Trust Wallet lead in security audits and user experience. These apps support Lightning Network payments, which reduce transaction fees from $5-15 to under $0.01 for instant settlements.

Each wallet app offers different features balancing convenience and security. Hot wallets keep your keys on the device for quick access, while hardware wallet integrations like Ledger offer cold storage security. Most iPhone users prefer hot wallets for everyday spending amounts under $500.

Bitcoin Acquisition Methods

You’ll need to acquire Bitcoin before spending it, which iPhone users accomplish through several methods. Cryptocurrency exchanges like Coinbase and Kraken offer direct iOS apps for purchasing Bitcoin with debit cards or bank transfers. Alternatively, peer-to-peer platforms connect you with local sellers for cash transactions.

Purchase fees range from 0.5% on exchanges to 5% for instant debit card buys. For those buying Apple products specifically, platforms like AppleBTCs.com allow purchases with Bitcoin across 50+ cryptocurrencies without creating accounts. Processing times vary from instant to 24 hours depending on your verification status.

Merchant Acceptance Requirements

The merchant must have Bitcoin payment infrastructure, typically through processors like BitPay or BTCPay Server. Major retailers including Whole Foods, Home Depot, and Starbucks accept Bitcoin through the Spedn app integration. Online merchants display Bitcoin payment options at checkout alongside credit cards and PayPal.

Geographic availability affects acceptance rates, with major metropolitan areas offering 10x more Bitcoin-friendly merchants than rural locations. Always confirm acceptance before assuming a business takes cryptocurrency, as adoption remains inconsistent across industries.

How Do You Set Up a Bitcoin Wallet on iPhone?

Installing and configuring your first Bitcoin wallet takes approximately 10 minutes for complete setup. The process prioritizes security, requiring multiple backup steps before you can receive funds. Your iPhone’s biometric features integrate seamlessly with wallet authentication, eliminating password fatigue.

Downloading and Installing Your Wallet

Open the App Store and search for your chosen wallet application by exact name. Verify the developer matches official sources before downloading to avoid phishing apps impersonating legitimate wallets. BlueWallet by Bluewallet Services and Coinbase Wallet by Coinbase Inc represent verified, secure options.

Check app ratings and recent reviews for security incidents or functionality problems. Apps with 4.5+ stars and 100,000+ reviews generally indicate stable, trusted platforms. Installation size ranges from 50MB to 200MB depending on features like built-in exchange functionality.

Creating Your First Wallet

Launch the app and select “Create New Wallet” rather than importing an existing one. The app generates a unique recovery phrase of 12-24 random words that controls access to your funds. Write this phrase on paper using pen, never storing it digitally or photographing it.

The recovery phrase represents your only backup if your iPhone is lost or damaged. Store this paper in a secure location separate from your phone, such as a home safe. Never share this phrase with anyone, as possession equals complete access to your Bitcoin.

Security Configuration

Enable Face ID or Touch ID authentication within the wallet settings immediately after creation. This biometric layer prevents unauthorized access if someone gains physical possession of your unlocked iPhone. Set a strong PIN as backup authentication for situations where biometrics fail.

Configure transaction confirmation requirements based on your security preferences and spending habits. Requiring biometric approval for every payment maximizes security but adds friction to small purchases. Many users set approval thresholds at $50-100 for automatic small transactions.

How Do You Add Bitcoin to Your iPhone Wallet?

Funding your wallet with Bitcoin involves receiving a transfer from an exchange, another wallet, or direct purchase. Each method offers different tradeoffs between speed, fees, and privacy. Your wallet generates unique receiving addresses for each transaction, enhancing security and privacy.

Receiving from Exchanges

Open your exchange app (Coinbase, Kraken, Binance) and navigate to the Bitcoin withdrawal section. Enter or scan your wallet’s receiving address, double-checking the first and last five characters match exactly. Exchange withdrawals typically charge 0.0001-0.0005 BTC ($8-40 in February 2026) as network fees.

Exchanges implement security delays of 24-72 hours for first-time withdrawals to new addresses. Whitelisting your personal wallet address during low-urgency periods eliminates delays for future transfers. Most exchanges process whitelisted withdrawals within 30 minutes during business hours.

Direct Purchase Options

Some wallet apps include integrated exchange features allowing Bitcoin purchases directly within the application. These purchases typically cost 2-5% more than dedicated exchange platforms but offer superior convenience. Apple Pay integration in select wallets enables Bitcoin purchases using stored credit cards.

Purchase limits for in-app buying start at $100 daily for new users and scale to $50,000+ for verified accounts. Verification requires government ID uploads and facial recognition matching within the wallet app. If you’re looking to buy Apple products with crypto, purchasing Bitcoin through your preferred method first provides maximum flexibility.

Peer-to-Peer Transfers

Receiving Bitcoin from friends or family requires only sharing your wallet’s QR code or address string. The sender scans your code or pastes your address into their wallet’s send function. P2P transfers avoid exchange fees entirely, costing only the blockchain network fee of $1-5.

Always verify transaction details before confirming sends, as Bitcoin transactions cannot be reversed once broadcast. The sender should confirm the amount, network (Bitcoin vs Lightning), and receiving address before finalizing. Lightning Network transfers for amounts under $100 confirm instantly with sub-cent fees.

How Do You Make In-Store Bitcoin Payments with iPhone?

Physical retail Bitcoin payments mirror the simplicity of scanning traditional QR codes for payment. The merchant generates a payment request containing their address, amount, and optional memo. Your wallet app scans this code, confirms transaction details, and broadcasts payment to the blockchain.

Step-by-Step Payment Process

1. Inform the cashier you’ll pay with Bitcoin and request their payment QR code
2. Open your wallet app and tap the “Send” or camera icon
3. Point your iPhone camera at the merchant’s QR code displayed on their tablet or terminal
4. Verify the amount automatically populated matches your purchase total exactly
5. Confirm the merchant’s name or business identifier if shown in the payment request
6. Tap “Send” and authenticate with Face ID or your wallet PIN
7. Show the transaction confirmation screen to the merchant as payment proof

The entire process typically completes in 15-30 seconds for experienced users. Lightning Network payments confirm instantly, while on-chain transactions show as “pending” but are generally accepted immediately for retail purchases.

Handling Network Fee Selection

Your wallet app suggests network fees based on current blockchain congestion and desired confirmation speed. Standard fees ($2-5) confirm within 30-60 minutes, while priority fees ($8-15) target 10-minute confirmations. Lightning Network payments avoid this consideration entirely with fixed sub-cent fees.

Most merchants accept zero-confirmation transactions for point-of-sale purchases, making fee selection less critical than online orders. Choose “Economy” or “Low” fee options for in-store payments to minimize costs. The transaction broadcasts immediately regardless of fee, with the fee only affecting blockchain confirmation timing.

Transaction Confirmation

Your wallet displays transaction status immediately after broadcasting, showing pending state until blockchain confirmation. Merchants use their own wallet or payment processor to detect incoming transactions within seconds. The merchant’s system typically displays payment received confirmation before you pocket your iPhone.

Save transaction receipts or screenshots for record-keeping and potential refund situations. Your wallet maintains a transaction history accessible through the activity or transactions tab. These records prove essential for accounting purposes, especially for tax reporting requirements.

How Do You Pay with Bitcoin for Online Purchases on iPhone?

Online Bitcoin payments through your iPhone Safari browser or shopping apps follow streamlined checkout processes. E-commerce sites integrate Bitcoin options alongside traditional payment methods, typically through processors like BitPay or Coinbase Commerce. The experience closely resembles PayPal checkout flows.

E-Commerce Checkout Process

Add items to your cart and proceed to checkout as usual on the merchant’s website. Select “Bitcoin” or “Pay with Cryptocurrency” from available payment methods during the payment step. The site redirects to a payment page displaying a QR code, timer, and exact Bitcoin amount required.

iOS smart app detection automatically prompts to open your Bitcoin wallet when tapping payment QR codes. Alternatively, manually open your wallet and use the built-in QR scanner to capture the payment request. The wallet pre-fills all payment details including recipient address, amount, and merchant identifier.

Payment Time Windows

Cryptocurrency payment pages display countdown timers, typically 15-30 minutes, to account for Bitcoin price volatility. Complete payment before timer expiration to lock in the displayed rate and amount. Expired payment requests require returning to checkout and generating a fresh payment request with updated pricing.

If blockchain congestion delays confirmation beyond the merchant’s threshold, some processors offer extended waiting periods or manual review. Contact merchant support if payment broadcasted successfully but the order page shows an error. Transaction IDs from your wallet prove payment for dispute resolution.

Specialized Shopping Apps

Dedicated cryptocurrency shopping apps like Spedn and BitRefill offer curated merchant selections accepting Bitcoin. These apps handle payment processing internally, simplifying the experience to single-tap purchases. Major retailers including Whole Foods and AMC Theatres participate through these platforms.

Gift card services represent another popular option for using Bitcoin at retailers without direct acceptance. BitRefill and Coinsbee sell gift cards for hundreds of brands, purchasable with Bitcoin through their iPhone apps. This two-step process expands Bitcoin usability to virtually any retailer. For direct purchases of Apple products, AppleBTCs.com accepts Bitcoin across MacBooks, iPads, and iPhones with free worldwide shipping and 30-day returns.

What Are the Security Best Practices for iPhone Bitcoin Payments?

Securing Bitcoin on your iPhone requires multiple defensive layers beyond basic wallet app installation. Your iPhone’s hardware security features provide excellent foundation, but proper configuration and usage habits determine actual protection levels. Cryptocurrency’s irreversible nature makes prevention the only viable security strategy.

Wallet Security Configuration

Enable every available security feature in your wallet settings immediately after installation. Require biometric authentication for all transactions regardless of amount to prevent unauthorized spending. Set automatic wallet locking after 1-5 minutes of inactivity to secure the app if you forget.

Consider using separate wallets for different purposes: one for daily spending and another for savings. Transfer only needed amounts to your spending wallet, keeping larger balances in cold storage or hardware wallets. This compartmentalization limits exposure if your iPhone is compromised.

Device-Level Protections

Keep your iPhone running the latest iOS version to receive critical security patches affecting cryptocurrency applications. Apple’s iOS 19.3 released in January 2026 addressed three vulnerabilities affecting secure enclave operations. Enable automatic updates in Settings > General > Software Update for continuous protection.

Avoid jailbreaking your iPhone, as this disables Apple’s security protections and exposes wallet apps to malware. Use a strong alphanumeric passcode (not just Face ID) as backup authentication and device encryption key. Enable Find My iPhone and configure it to erase data after 10 failed passcode attempts.

Transaction Verification

Always verify payment amounts and receiving addresses before confirming transactions, even for small amounts. Address substitution malware exists that replaces copied addresses with attacker-controlled ones. Comparing the first and last 5-6 characters catches most substitution attempts.

For large transactions exceeding $1,000, send a small test amount first to verify address accuracy. Wait for confirmation before sending the remaining balance to eliminate costly mistakes. These extra minutes prevent irreversible losses from typos or malware interference.

What Are the Costs and Fees for Bitcoin Payments on iPhone?

Bitcoin payment costs vary significantly based on transaction type, network congestion, and chosen confirmation speed. Understanding fee structures helps optimize spending and avoid overpaying for routine transactions. Lightning Network adoption in 2026 dramatically reduced typical payment costs compared to on-chain transactions.

Network Transaction Fees

Bitcoin network fees fluctuate based on blockchain demand, ranging from $1 during quiet periods to $50+ during congestion spikes. Your wallet app estimates appropriate fees based on current conditions and desired confirmation time. Economy fees target 2-6 hour confirmation, standard aims for 30-60 minutes, and priority seeks 10-minute confirmation.

Fees pay miners for including your transaction in blocks and are independent of transaction amount. Sending $10 or $10,000 costs identical fees based solely on transaction data size. This makes Bitcoin more economical for larger purchases relative to percentage-based payment processor fees.

Lightning Network Advantages

Lightning Network payments cost 0.1-1% of on-chain fees while confirming instantly, making them superior for retail purchases. Your wallet manages Lightning channel funding automatically, though initial channel creation requires one on-chain transaction. After setup, hundreds of Lightning payments occur without additional on-chain fees.

Lightning Network adoption expanded significantly in 2025-2026, with major payment processors and merchant systems now defaulting to Lightning. Approximately 60% of Bitcoin-accepting merchants in metropolitan areas support Lightning payments as of February 2026. This infrastructure improvement makes Bitcoin practically competitive with credit card payment speeds.

Exchange and Conversion Fees

Acquiring Bitcoin involves additional costs beyond network fees when purchasing from exchanges or payment apps. Exchange fees range from 0.1-0.5% for limit orders to 1.5-5% for instant purchases with debit cards. Withdrawal fees transferring Bitcoin from exchanges to your iPhone wallet typically cost $8-25 per transfer.

Minimize these costs by batching purchases rather than buying Bitcoin immediately before each payment. For example, understanding how much $1000 worth of crypto purchases requires accounting for all fees in the conversion process. Maintaining a small spending balance in your iPhone wallet eliminates repeated acquisition costs.

Which Merchants Accept Bitcoin Payments from iPhone?

Merchant Bitcoin acceptance expanded significantly through 2024-2026, with major retailers adding cryptocurrency payment options. Geographic concentration remains highest in technology hubs and major metropolitan areas. Online merchants show higher acceptance rates than physical retailers due to lower implementation barriers.

Major Retail Chains

Whole Foods Market accepts Bitcoin at all US locations through the Spedn app integration with payment terminals. Customers install Spedn, load Bitcoin, and scan payment codes at checkout identical to other mobile payment methods. Similar integrations exist at Nordstrom, Bed Bath & Beyond, and GameStop locations nationwide.

Home improvement retailers including Home Depot and Lowe’s partnered with Coinbase Commerce in late 2025 for direct Bitcoin payments. These implementations accept both on-chain and Lightning Network transactions at registers. Store associates receive training on cryptocurrency payment processes, reducing friction for first-time users.

Online Marketplaces

Newegg pioneered major retailer Bitcoin acceptance in 2014 and continues supporting cryptocurrency payments through BitPay integration. Overstock.com accepts Bitcoin directly for furniture, electronics, and home goods with regular promotional discounts for cryptocurrency users. These established players process thousands of Bitcoin transactions monthly.

Shopify’s cryptocurrency payment gateway enables thousands of independent merchants to accept Bitcoin without technical implementation. Any Shopify-powered store can enable Bitcoin payments through simple plugin installation. This infrastructure democratizes acceptance beyond large corporations to small businesses and individual entrepreneurs.

Specialized Cryptocurrency Merchants

Dedicated cryptocurrency marketplaces like Bitrefill, Coinsbee, and AppleBTCs.com specialize in Bitcoin-native commerce. These platforms accept cryptocurrency exclusively or primarily, offering products from gift cards to electronics without traditional payment options. For those specifically interested in Apple products, AppleBTCs.com offers MacBooks, iPads, and iPhones purchasable with Bitcoin and 50+ other cryptocurrencies without account creation.

Travel booking platforms including Travala and Alternative Airlines accept Bitcoin for flights and hotels worldwide. Car dealerships in major cities increasingly accept cryptocurrency for vehicle purchases, with specialized platforms connecting buyers to Bitcoin-accepting dealers. Real estate transactions using Bitcoin occur regularly in markets like Miami, Austin, and San Francisco.

How Does Bitcoin Payment Privacy Work on iPhone?

Bitcoin transactions exist on a public blockchain visible to anyone, but addresses aren’t inherently linked to identities. Privacy depends on how you acquire Bitcoin and whether you connect personal information to wallet addresses. iPhone users can implement various strategies to enhance transaction privacy beyond default wallet settings.

Address Reuse and Tracking

Modern iPhone wallets automatically generate new receiving addresses for each transaction, preventing easy tracking of your complete transaction history. Address reuse links multiple transactions to a single identity, revealing spending patterns and wallet balances. Always use the fresh address your wallet generates rather than reusing previous addresses.

Transaction graph analysis can still link multiple addresses to a single user through spending patterns. When you make a payment, the transaction reveals which addresses you control based on Bitcoin inputs. Advanced privacy requires more sophisticated techniques than simple address rotation.

Privacy-Enhanced Wallets

Specialized privacy wallets like Samourai Wallet (iOS version) and BlueWallet’s advanced features implement additional privacy protections. These apps support CoinJoin transactions that mix your Bitcoin with other users’ coins, breaking transaction linkage. Privacy features typically add 1-2 hours and $5-10 to transaction costs.

Consider the tradeoffs between privacy and convenience for your specific use case. Maximum privacy requires dedicated effort and slightly higher costs but provides stronger protection against transaction tracking. Most casual users find standard wallet privacy adequate for everyday purchases.

Regulatory Considerations

US regulations require exchanges to implement Know Your Customer (KYC) procedures, linking your identity to purchased Bitcoin. This connection persists when spending exchange-sourced Bitcoin to merchants who also implement KYC. Using cryptocurrency exchanges or services without KYC requirements enhances privacy but may limit available platforms.

Tax reporting obligations apply regardless of privacy measures taken on the blockchain itself. Bitcoin transactions are taxable events in most jurisdictions, requiring reporting even when using privacy-enhanced techniques. Privacy protects against public surveillance, not legal reporting requirements to tax authorities.

What Troubleshooting Tips Help with iPhone Bitcoin Payments?

Common issues affect Bitcoin payments on iPhone, from transaction delays to QR code scanning problems. Understanding resolution strategies reduces payment friction and prevents failed transactions. Most problems stem from network congestion, software bugs, or user error rather than fundamental Bitcoin limitations.

Stuck or Pending Transactions

Transactions remain pending when network fees are insufficient for current blockchain congestion levels. Wait 24-72 hours for congestion to decrease and your transaction to confirm naturally. Alternatively, use Replace-by-Fee (RBF) functionality if your wallet supports it to increase the fee for faster confirmation.

Some wallets support Child-Pays-for-Parent (CPFP) where you send a new transaction with higher fees that incentivizes miners to confirm both. Check your wallet documentation for available fee acceleration options. Never send duplicate transactions hoping to speed confirmation, as both may eventually process.

QR Code Scanning Issues

Failed QR code scans often result from insufficient lighting, dirty camera lenses, or screen glare on the merchant’s display. Clean your iPhone camera lens and ask merchants to maximize screen brightness when displaying payment codes. Try different angles to reduce glare interference with code recognition.

If scanning repeatedly fails, manually enter payment details using the “Paste” or manual entry option in your wallet. The merchant can provide their Bitcoin address and amount as text for manual entry. This slower method ensures payment completion when QR recognition fails.

Incorrect Payment Amounts

Amount discrepancies between merchant requests and your wallet display indicate exchange rate timing differences or scanning errors. Always confirm the fiat amount shown in your wallet matches the purchase total before sending. Contact the merchant immediately if you accidentally send incorrect amounts.

Bitcoin’s irreversibility means overpayments require merchant cooperation to refund the difference. Underpayments cause order cancellations requiring you to complete the remaining amount. Double-check all transaction details before confirming to avoid these complications. Understanding current Bitcoin to dollar conversions helps verify payment amounts match expectations.

FAQ: Paying with Bitcoin on iPhone

Can I use Apple Pay for Bitcoin payments on iPhone?

Apple Pay does not directly support Bitcoin payments as of February 2026, but cryptocurrency debit cards from companies like Coinbase and Crypto.com work with Apple Pay. These cards automatically convert Bitcoin to dollars at purchase time, enabling indirect Bitcoin spending through Apple Pay at any merchant. The conversion happens instantly at current exchange rates minus 1-3% processing fees.

How long do Bitcoin transactions take to confirm on iPhone?

Lightning Network Bitcoin transactions confirm instantly within 1-3 seconds, while standard on-chain transactions require 10-60 minutes for first confirmation depending on network fees paid. Most merchants accept zero-confirmation transactions for point-of-sale purchases under $500, meaning you’ll receive goods immediately even before blockchain confirmation. Higher-value purchases may require waiting for 1-3 confirmations taking 30-90 minutes.

Are Bitcoin payments on iPhone reversible if I make a mistake?

Bitcoin transactions are irreversible once confirmed on the blockchain, unlike credit card payments that can be charged back. Before confirmation, some wallets support Replace-by-Fee allowing you to modify pending transactions for 10-30 minutes after broadcasting. After confirmation, refunds require merchant cooperation to send a return payment to your wallet address manually.

What happens if I send Bitcoin to the wrong address from my iPhone?

Bitcoin sent to incorrect addresses is permanently lost if you don’t control that address or can’t contact its owner. Always verify receiving addresses character-by-character before confirming large transactions to prevent this issue. For smaller test amounts under $50, mistakes are unfortunate but limited in financial impact, making test sends worthwhile for new addresses.

Do I need internet connection to pay with Bitcoin on iPhone?

Active internet connectivity is required to broadcast Bitcoin transactions from your iPhone to the blockchain network. Both cellular data and WiFi work equally well for cryptocurrency payments, with transactions using minimal data (under 1KB). Offline transactions aren’t possible without specialized hardware setups, so ensure connectivity before attempting payment at merchants.

Can I buy Apple products directly with Bitcoin on iPhone?

Apple’s official stores do not accept Bitcoin directly, but third-party platforms like AppleBTCs.com specialize in selling MacBooks, iPads, and iPhones for Bitcoin and 50+ cryptocurrencies. These platforms offer anonymous purchasing without account creation, free worldwide shipping, and 30-day return policies. Alternatively, purchase Apple gift cards with Bitcoin through Bitrefill and redeem them at official Apple stores.

How much Bitcoin should I keep on my iPhone wallet?

Security best practices recommend keeping only 1-2 months of expected spending in your iPhone hot wallet, typically $200-1,000 for most users. Larger Bitcoin holdings belong in cold storage hardware wallets or secure exchanges with insurance and theft protection. This hot/cold separation limits exposure to smartphone loss, theft, or malware while maintaining convenient spending access.

Are there spending limits for Bitcoin payments on iPhone?

Bitcoin protocol itself imposes no transaction limits, allowing payments of any size from cents to millions. Practical limits come from merchant policies, wallet app restrictions, and your available Bitcoin balance. Most retail merchants set upper limits around $5,000-10,000 for cryptocurrency payments due to volatility concerns and processing capabilities.

Conclusion: The Future of Bitcoin Payments on iPhone

Paying with Bitcoin on iPhone in 2026 offers streamlined experiences rivaling traditional payment methods thanks to Lightning Network adoption. The combination of iPhone security features and mature wallet applications creates a safe, user-friendly environment for cryptocurrency transactions. As merchant acceptance expands, Bitcoin payments transition from niche experimentation to viable mainstream payment options.

The key to successful Bitcoin payment adoption involves starting small with modest amounts while learning wallet management. Install a reputable wallet app, acquire small Bitcoin amounts through exchanges or services, and practice payments with low-risk purchases. Your comfort and expertise grow with experience, eventually making cryptocurrency payments feel as natural as credit cards.

Integration challenges remain, particularly in rural areas and traditional retail sectors resistant to cryptocurrency adoption. Payment processing fees and price volatility still favor traditional methods for some use cases. However, the trajectory clearly points toward increasing acceptance as technology matures and younger demographics expect cryptocurrency payment options.

iPhone users benefit from Apple’s security ecosystem when handling Bitcoin, providing stronger protection than most Android alternatives. The closed app ecosystem prevents many malware vectors affecting other platforms, while biometric integration streamlines authentication without compromising security. These advantages position iPhone as the premier smartphone platform for cryptocurrency transactions.

Whether you’re interested in buying new Apple products with Bitcoin or simply using cryptocurrency for everyday purchases, iPhone provides all necessary tools through App Store wallet options. Start exploring Bitcoin payments today to participate in the evolving financial technology landscape while leveraging your existing Apple ecosystem investment. As acceptance grows and technology improves, early adopters gain valuable experience positioning them for cryptocurrency’s expanding role in commerce.

The combination of decreasing transaction costs, improving user experiences, and growing merchant networks suggests Bitcoin payments will continue gaining traction throughout 2026 and beyond. Your iPhone serves as a powerful entry point to this financial evolution, offering security, convenience, and access to cutting-edge payment technology. Take the first step today by downloading a wallet and experiencing the future of digital currency transactions firsthand.