How it stacks up

Keep more of every payment, and all of the control.

Most payment providers take a cut, hold your money for days, and can reverse a sale months later. BitSettle settles straight to a wallet only you control: no processor fees, no chargebacks, no waiting. Here is exactly how that compares.

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Networks supported: 9
Processor fees: 0%
Keys held: 0
Lightning settlement: ~1s

Proven where it counts

BitSettle is the Bitcitizen ecosystem's own settlement rail. Every Bitcitizen brand that takes payment today settles on it: 21 CBI's advisory fees, Passport.SV and cbi.vu's engagement and advisory fees, OffshoreGuy's formation orders, and GoSRRV's card-plus-Bitcoin checkout. We built the rail for ourselves and ran our own money on it before we ever offered it to anyone else.

The full comparison

BitSettle, side by side

Three ways to accept crypto payments, measured on the things that actually affect your margin, your cash flow, and your risk. To see the money side in detail, run the math on a flat fee versus a percentage cut.

Comparison of BitSettle against a custodial PSP and manual wallet operations.
Category	BitSettleManaged self-custody	Custodial PSPBitPay, Coinbase Commerce	Manual wallet opsReconcile by hand
Fees	0% processor fees. You keep every payment, minus small network costs.	Typically 1% to 3% per transaction, plus possible payout or conversion fees.	No software fee, but high manual reconciliation cost on your team's time.
Settlement time	About a second on Lightning; seconds to minutes for stablecoins.	Often one to three business days for fiat payout from the provider balance.	As fast as the chain, but matching to invoices is done by hand.
Custody	Watch-only; money settles to a wallet only you control. No keys on the server.	Provider-controlled balance or payout ledger; funds depend on provider terms.	Funds stay in your wallet, but matching payments to invoices is manual.
USDT coverage	Nine networks: Bitcoin, Lightning, and seven USDT chains.	Varies by provider, onboarding jurisdiction, and risk policy.	Any network your wallet supports, with no invoice automation.
Refunds and payouts	Sent from your own wallet. BitSettle never holds signing keys.	Often available through provider dashboards or APIs.	Possible from the wallet, but not automated against invoices.
Risk posture	Plain-language issuer, network, and refund boundaries stated up front.	Provider terms may abstract away risks until settlement or review.	Risk is fully on your process and wallet hygiene.

Fees

BitSettle: 0% processor fees. You keep every payment, minus small network costs.
Custodial PSP: Typically 1% to 3% per transaction, plus possible payout or conversion fees.
Manual wallet ops: No software fee, but high manual reconciliation cost on your team's time.

Settlement time

BitSettle: About a second on Lightning; seconds to minutes for stablecoins.
Custodial PSP: Often one to three business days for fiat payout from the provider balance.
Manual wallet ops: As fast as the chain, but matching to invoices is done by hand.

Custody

BitSettle: Watch-only; money settles to a wallet only you control. No keys on the server.
Custodial PSP: Provider-controlled balance or payout ledger; funds depend on provider terms.
Manual wallet ops: Funds stay in your wallet, but matching payments to invoices is manual.

USDT coverage

BitSettle: Nine networks: Bitcoin, Lightning, and seven USDT chains.
Custodial PSP: Varies by provider, onboarding jurisdiction, and risk policy.
Manual wallet ops: Any network your wallet supports, with no invoice automation.

Refunds and payouts

BitSettle: Sent from your own wallet. BitSettle never holds signing keys.
Custodial PSP: Often available through provider dashboards or APIs.
Manual wallet ops: Possible from the wallet, but not automated against invoices.

Risk posture

BitSettle: Plain-language issuer, network, and refund boundaries stated up front.
Custodial PSP: Provider terms may abstract away risks until settlement or review.
Manual wallet ops: Risk is fully on your process and wallet hygiene.

0% is zero percent of your payments, not free software. BitSettle charges a flat fee for the rail.

"Custodial PSP" reflects typical terms of providers such as BitPay and Coinbase Commerce. Fees, settlement timing, and coverage vary by provider, plan, and onboarding jurisdiction.

Ready when you are

Accept Bitcoin and dollars, keep every payment

We host, configure, and monitor the whole stack. You point settlement at a wallet you control and start accepting. Early members get priority onboarding before public launch.

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