What is the difference between BTC Pay and BTC Vault?
BTC Pay and BTC Vault both hold Bitcoin, but they are designed for different types of transactions.
BTC Pay is best for fast, low-fee payments and smaller transfers.
BTC Vault is best for holding Bitcoin and making on-chain transfers.
BTC Pay vs BTC Vault
Feature | BTC Pay | BTC Vault |
|---|---|---|
Holds | Bitcoin | Bitcoin |
Best for | Everyday payments and smaller transfers | Holding Bitcoin and larger or less frequent transfers |
Network | Lightning and supported Spark transfers | Bitcoin on-chain network |
Speed | Usually faster | Depends on Bitcoin network confirmations |
Fees | Usually lower for smaller payments | Depends on Bitcoin network activity |
Receiving method | Lightning invoice, QR code or supported Spark payment | Bitcoin address or QR code |
Transaction confirmation | Usually completed quickly | Requires confirmations on the Bitcoin blockchain |
Typical use | Paying, receiving and moving Bitcoin frequently | Storing and transferring Bitcoin on-chain |
When should I use BTC Pay?
BTC Pay may be the better choice when you want to:
Send Bitcoin quickly
Receive Bitcoin through Lightning
Make smaller or frequent payments
Use Bitcoin for everyday spending
Pay lower fees for supported transactions
When should I use BTC Vault?
BTC Vault may be the better choice when you want to:
Hold Bitcoin for longer periods
Receive Bitcoin through the standard Bitcoin network
Make larger or less frequent transfers
Send Bitcoin to an on-chain wallet or exchange
Record the transaction directly on the Bitcoin blockchain
Do both wallets hold Bitcoin?
Yes. BTC Pay and BTC Vault both hold Bitcoin.
The difference is how the Bitcoin is transferred and what each wallet is designed for. Moving Bitcoin between them does not change the asset you own.
Which wallet should I choose when buying Bitcoin?
Choose BTC Pay when you expect to use the Bitcoin for fast payments, smaller transfers or everyday spending.
Choose BTC Vault when you want to hold the Bitcoin or use the Bitcoin on-chain network.
Before confirming a buy order, check the selected wallet, transaction fees and minimum order amount.
Which wallet should I choose when selling Bitcoin?
Select the wallet that currently contains the Bitcoin you want to sell.
Choose BTC Pay to sell Bitcoin from your BTC Pay balance.
Choose BTC Vault to sell Bitcoin from your BTC Vault balance.
The payment method, fees and processing time may differ depending on the selected wallet.
Can I move Bitcoin between BTC Pay and BTC Vault?
Currently, this feature is not designed exclusively in the app, but it may still be possible by using your wallet addresses and performing a standard send or receive transaction.
A network fee, minimum amount or confirmation time may apply depending on the transfer method. Review the transaction details before confirming.
Which wallet is more secure?
BTC Pay and BTC Vault are designed for different uses. One is not automatically better for every situation. Choose the wallet that matches the type of payment or transfer you want to make.
Both wallets are protected by your recovery phrase.
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