BitPay Launches HODL Pay: Spend Crypto Without Selling It

💸 Spend Your Crypto — Without Selling It

BitPay just launched HODL Pay, a game-changing feature that lets you buy stuff using your crypto — without actually selling it.

Yes, really. You keep your coins. You borrow stablecoins. And you spend like a Web3 boss.

“It’s the first time HODLing and spending make sense together,” says BitPay.

🧠 What Is HODL Pay?

HODL Pay is BitPay’s new way to let crypto users:

• 🧾 Borrow stablecoins via Aave using crypto as collateral
• 🛍️ Spend the stablecoins instantly at any BitPay merchant
• 🔐 Keep their original crypto holdings intact

This means no tax events, no off-ramping, and no selling early — just DeFi-powered liquidity on demand.

⚙️ How It Works: Step by Step

To use HODL Pay, here’s what you need:

1. 💼 Deposit ETH, USDC, or other supported tokens into Aave
2. 🧾 At checkout with a BitPay merchant, create an invoice
3. 🔗 Use WalletConnect to link your wallet
4. 💵 Borrow the required stablecoin amount and pay instantly
5. 📊 Manage and repay the loan later through Aave’s dashboard

All without giving up your crypto position.

🌍 Where You Can Use It

HODL Pay is already accepted at any merchant that supports BitPay, including:

• ✈️ Travel platforms
• 🚗 Auto dealers (like Vegas Auto Gallery)
• 🎮 Tech & retail stores
• 🎁 Gift card marketplaces

Merchants don’t need to change anything — it works out of the box.

🌐 Supported Chains = Low Fees, Fast Payments

HODL Pay works across multiple EVM chains, including:

• Ethereum
• Polygon
• Arbitrum
• Optimism
• Base

Pick your gas fees. Pick your speed.

🔍 Why It Matters: HODLers, This Is Your Moment

Until now, spending crypto meant:

• 💀 Selling your assets
• 💸 Triggering taxes
• 😬 Missing future gains

HODL Pay flips the script:

• ✅ Instant liquidity
• ✅ Investment stays intact
• ✅ Real-world spending power

It’s DeFi meets utility, and it finally makes crypto finance… usable.

“Spend confidently today without giving up future growth.” — Bill Zielke, BitPay CMO

🧠 TL;DR: Keep Your Bags. Spend Anyway.

HODL Pay by BitPay lets you:

• 🏦 Borrow stablecoins via Aave
• 🛒 Spend anywhere BitPay is accepted
• 🔐 Keep your crypto safe and untouched

It’s the DeFi-powered life hack long-term holders have been waiting for — and it’s available now, globally.

If crypto is the future of finance, this is how it finally reaches your wallet.