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DappsAtlas index · 14,224 dApps

DappsAtlas

Best of · Bitcoin · Updated

The best Payments dApps on Bitcoin in 2026

We track 7 Payments dApps that run on Bitcoin and have reviewed 5 of them in full. Our top pick is Lightning Network. Each one is scored on security, ease of use, fees and features.

Ranked list

  1. 1
    Lightning Network logo

    Lightning Network

    Payments · Bitcoin

    Lightning Network is a layer-2 payment network on Bitcoin that lets users send fast, low-fee payments through off-chain payment channels. It suits small, frequent payments, but it needs channel liquidity and some technical understanding.

    Read the Lightning Network reviewVisit Lightning Network(opens in a new tab)
    ScoreScore 7.0 out of 10
    TVL $245M−6.2%
  2. 2
    Speed Markets logo

    Speed Markets

    Payments · Bitcoin

    Speed Markets, branded as Speed, provides businesses with Bitcoin and stablecoin payment tools, including Lightning checkout, POS, APIs and payouts. Its advertised 1% transaction fee is a useful starting point, but custody, licensing and some product-specific pricing details are not stated.

    Read the Speed Markets reviewVisit Speed Markets(opens in a new tab)
    ScoreScore 6.5 out of 10
    TVL —
  3. 3
    Onchain Trade logo

    Onchain Trade

    Payments · Bitcoin, Solana, BNB Chain +4

    Onchainpay is a cryptocurrency payment gateway for businesses, with invoicing, crypto withdrawals, fiat settlement and API integrations. Its feature set is broad, but merchants should confirm fees, settlement terms and security details before relying on it.

    Read the Onchain Trade reviewVisit Onchain Trade(opens in a new tab)
    ScoreScore 6.2 out of 10
    TVL —
  4. 4
    Coinify logo

    Coinify

    Payments · Algorand, Bitcoin

    Coinify is a Copenhagen-based fintech that provides crypto payment and trading infrastructure for businesses and some individual traders. Public information about its products is clear, but its fees, licensing and dispute handling are thinly documented, and user feedback is mixed.

    Read the Coinify reviewVisit Coinify(opens in a new tab)
    ScoreScore 4.5 out of 10
    TVL —
  5. 5

    Rozo

    Payments · Base, Bitcoin, BNB Chain +4

    Rozo offers crypto payment and funding tools for merchants, wallets, and agents, including checkout and Lightning payment routes. Its product range is clear, but fees, custody, and security details are not.

    Read the Rozo review
    ScoreNot rated yet
    TVL —
  6. 6
    Stacked Invest logo

    Stacked Invest

    Payments · Bitcoin

    Stacked is a Bitcoin-only service from New Zealand’s Lightning Pay Limited, with wallet, buying and selling, and merchant-payment support. Its help center outlines the service areas, but gives little detail on fees, security, or how transactions work.

    Read the Stacked Invest reviewVisit Stacked Invest(opens in a new tab)
    ScoreNot rated yet
    TVL —
  7. 7
    Ezbeans logo

    Ezbeans

    Payments · Bitcoin

    Ezbeans, also called Beans, is a non-custodial wallet for sending money globally, including Bitcoin transfers where the recipient can choose a currency. Its transfer model is appealing, but the mechanics, availability, and security details need clearer disclosure.

    Read the Ezbeans reviewVisit Ezbeans(opens in a new tab)
    ScoreNot rated yet
    TVL —

Payments dApps on Bitcoin: the numbers

Tracked
7
Reviewed
7
Total TVL
$245M
Avg. score
6.0/10

The DappsAtlas index lists 7 payments dApps on Bitcoin. Every one of them has a full review. Across the 1 with TVL data, the combined value locked is $245M, counting value on every chain they support.

Only Lightning Network reports value locked, at $245M. The best-rated is Lightning Network with 7.0/10, followed by Speed Markets (6.5) and Onchain Trade (6.2). The 4 rated payments dApps average 6.0/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Solana (2), BNB Chain (2) and Ethereum (2). All 3 with a confirmed status are active.

Largest by TVL

  1. 1Lightning Network logoLightning Network$245M

Highest rated

  1. 1Lightning Network logoLightning Network7.0
  2. 2Speed Markets logoSpeed Markets6.5
  3. 3Onchain Trade logoOnchain Trade6.2
  4. 4Coinify logoCoinify4.5

Method

How we ranked them

Reviewed dApps come first. Each DappsAtlas review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.

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Frequently asked questions

What is the largest payments dApp on Bitcoin by TVL?

Lightning Network is the largest payments dApp on Bitcoin by total value locked, with $245M across all the chains it supports. TVL figures come from DefiLlama and change daily.

Which payments dApp on Bitcoin has the highest DappsAtlas score?

Lightning Network has the highest score at 7.0/10, ahead of Speed Markets (6.5) and Onchain Trade (6.2). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many payments dApps on Bitcoin has DappsAtlas reviewed?

DappsAtlas tracks 7 payments dApps on Bitcoin. Of these, 7 have a full review and 1 report value locked, $245M in total, counting value on every chain they support.

What is the average score for payments dApps on Bitcoin?

The 4 rated payments dApps on Bitcoin average 6.0 out of 10. Of these, 0 score 8 or higher and 1 score below 5.