What is Bread?
Bread is a self-custodial bitcoin wallet designed for how people actually use money. It holds real bitcoin — not wrapped tokens, not IOUs — and makes it instantly interoperable with stablecoins on Solana and Base.
Think of Bread as a checking account for bitcoin. You can hold it, earn on it, swap it, and spend it — all from one place, with no friction.
What makes Bread different
Most crypto wallets force you to choose: either you get a simple experience with limited functionality, or you get power-user features buried in complexity. Bread takes a different approach.
Real bitcoin, every network
When you hold bitcoin in Bread, it’s actual bitcoin on Spark — not a synthetic, not a wrapped derivative. And it moves seamlessly across Solana and Base without manual bridging. You get multi-chain access without the multi-chain headache.
Self-custodial by default
Your keys are generated on your device and never leave it. No KYC, no sign-up walls, no third party ever touching your funds. You own your bitcoin the way bitcoin was meant to be owned.
Built to be used daily
Bread isn’t a vault you check once a month. It’s designed for daily use — paying at merchants, earning yield on your cash balance, swapping between bitcoin and stablecoins in seconds.
Core features
Instant swaps
Swap between bitcoin and USDC on Solana or Base in seconds. Bread routes through the best available liquidity with near-zero fees — no trading fees from Bread, just the network’s base cost.
Earn on your cash
Hold cash in Bread and start earning 6% APY immediately. As your balance grows, your rate increases up to 10%. Your earnings are paid in bitcoin.
Pay at Square merchants
Spend your wallet balance at millions of Square merchants. No card needed — pay directly from Bread. The merchant gets dollars; you spend from your bitcoin or stablecoin balance.
Cash App on-ramp
Go from Cash App to bitcoin in seconds. Bread integrates a direct on-ramp so you can fund your wallet without dealing with exchanges or wire transfers.
The technology
Bread runs on three networks working together:
- Spark — a bitcoin-native layer by Lightspark for instant, low-cost bitcoin transfers
- Solana — high-speed DeFi access for swaps, yield, and stablecoin support
- Base — Coinbase’s L2 for additional liquidity and lower-cost routing
You never have to think about which network you’re on. Bread handles routing automatically — finding the fastest, cheapest path for every transaction.
Who Bread is for
Bread is for anyone who wants to use bitcoin as money — not just hold it as a speculative asset. If you want to earn on your balance, pay for things, and move between bitcoin and stablecoins without jumping between five different apps, Bread is built for you.
No prior crypto experience required. If you can use Cash App, you can use Bread.