# Sats Terminal: Buy Bitcoin — BTC Loans, Earn, Spend & Save

> Self-custodial Bitcoin finance app for borrowing, earning, buying, and spending. (iPhone/iPad app by subly.)

- Source: https://appshunter.io/ios/app/sats-terminal-buy-bitcoin/id6760090277 (this page in markdown: same URL + `.md`)
- Developer: [subly](https://appshunter.io/developer/1801600792)
- Category: Finance
- Price: Free
- Rating: 3.70/5 from 3 App Store ratings · 2 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.1 · 54 MB
- Languages: American English, Brazilian Portuguese, Mexican Spanish
- Released: 2026-08-20
- Data updated: 2026-10-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/sats-terminal-buy-bitcoin/id6760090277/reviews.md

## What is Sats Terminal?

Hold forever. Spend today.
 
Borrow cash against your Bitcoin without selling it. Earn on USDC at auto-routed market rates. Spend at 130M+ merchants worldwide. All fully self custodial. Your keys, your coins, always.
 
Backed by Coinbase Ventures, Draper Associates, and YZi Labs.
 
FULL ACCESS FROM DAY 1 WITHOUT VIP OR TIER LIMITS
Every feature is available to every user with no limits.*
 
START WITH AN EMAIL
Creating an account with fully self-custodial wallets is as easy as typing in your email address. All processes are handled for you behind the scenes, so you go directly from intent to outcome while maintaining full control of your assets.
 
BORROW AGAINST BITCOIN
• Get USDC without selling your BTC
• Every loan auto routes to the best current market rate across supported lenders
• No credit score required
• Monitor loan health with real time liquidation risk analysis and notifications
• Full loan terms, rates, and repayment details are shown in the app before you confirm
 
EARN ON USDC
• Put stablecoins to work at the best market rate across supported vaults
• No lockups, no minimums, no limits
• Withdraw anytime and track live positions and portfolio performance
 
BUY BITCOIN
• Pay with credit card, Apple Pay, or bank transfer through supported checkout partners
• Clear pricing shown before you confirm, no surprises
 
SPEND ANYWHERE
• 130M+ merchants worldwide
• US and international prepaid card options, funded from your balance
• Free international debit card, quick identity verification required
 
FULLY SELF CUSTODIAL
• No counterparty ever holds your money
• You stay in control of your assets throughout, with app lock and account controls built in
 
Whether you are stacking sats for the long term, parking stablecoins for yield, or spending crypto on daily life, Sats Terminal puts your crypto finances in one simple app.
 
*Feature availability varies by region. Sats Terminal does not provide investment, tax, or legal advice. Borrowing, yield, card, gift card, and checkout features may be provided by third party partners and may be subject to eligibility checks, provider terms, fees, network conditions, liquidation risk, and regional availability. Rates and returns are variable and not guaranteed.

## Key features

- Borrow against Bitcoin
- Earn on stablecoins
- Buy Bitcoin
- Spend globally with gift cards
- Self-custodial asset control
- Loan liquidation risk analysis

## Is Sats Terminal safe?

Not enough ratings yet to assess Sats Terminal.

## Is Sats Terminal legit?

Sats Terminal: Buy Bitcoin appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Sats Terminal is 65 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/sats-terminal-buy-bitcoin/id6760090277/reviews.md

### 5/5 — Great team and great support

*2026-09-16*

App has great support and can do everything I would ever need

**Developer response:** Thanks for the kind words! Glad our team could help and that Sats Terminal has what you need. We really appreciate the support.

### 5/5 — Great BTC app with lots of potential

*2026-09-10*

Been using Sats Terminal and so far, I’d give it 4/5.

I like how it brings BTC borrowing, buying, spending, and earning interest on BTC and USDC into one platform.

It’s also user friendly, so even new users can easily find their way around.

Solid idea with plenty of room to grow.

**Developer response:** Thanks for the honest feedback! Glad you’re finding Sats Terminal easy to navigate. We’d love to hear what feels missing or could work better as we keep improving the app.

## Frequently asked questions about Sats Terminal

### What is Sats Terminal?

Sats Terminal is a self-custodial Bitcoin finance app that allows users to borrow against Bitcoin, earn on stablecoins, buy Bitcoin, and spend globally. It aims to simplify Bitcoin finance by consolidating these features into one platform.

### How does borrowing work with Sats Terminal?

You can borrow against your Bitcoin without selling it. The app automatically routes your loan requests to the best current market rates across supported lenders. It also provides tools to monitor loan health and liquidation risk.

### Can I earn interest on my stablecoins with Sats Terminal?

Yes, you can earn on USDC by putting stablecoins to work across supported markets. The app offers no lockups, no minimums, and no deposit limits, allowing you to track live positions and overall portfolio performance.

### How can I buy Bitcoin with Sats Terminal?

You can buy Bitcoin using cards, Apple Pay, or bank transfers through supported checkout partners. The app displays fees clearly before you confirm transactions, ensuring transparency.

### What are the spending options with Sats Terminal?

Sats Terminal offers spending options through gift cards from over 6,000 merchants in 180 countries, as well as US and international prepaid card options. This allows for global spending flexibility.

### Is Sats Terminal secure and self-custodial?

Yes, Sats Terminal is fully self-custodial, meaning you control your assets throughout the experience. No counterparty holds your coins, and the app provides app lock, account controls, and support links for enhanced security.

### What is the update frequency for Sats Terminal?

Sats Terminal was last updated on September 4, 2026, with version 1.0.2. This indicates a recent update, suggesting ongoing development and maintenance by the developer, subly.

### What devices does Sats Terminal support?

Sats Terminal is available for iPhone and iPod devices. The app is rated for users aged 17 and older, aligning with its financial and potentially complex features.

## Version history (last 4 releases)

### 1.0.4 — 2026-10-27

Version 1.0.4 adds confirmation with Face ID or your app PIN for sensitive actions, balance privacy toggle, and improved language support. We also fixed card funding sheets and keyboard behavior, improved wallet sending and account refresh, added clearer Earn deposit requirements, and strengthened startup reliability.

### 1.0.2 — 2026-09-04

Version 1.0.2 introduces new Bitcoin price charts and refreshed asset views, making it easier to track performance and explore your balances. We also improved the home experience and navigation, refined card activity and transaction details, and made savings and loan information clearer. This update includes additional performance, stability, and visual improvements throughout the app.

### 1.0.1 — 2026-09-02

Version 1.0.1 focuses on polish and reliability. We improved scrolling and navigation, made balances and transaction statuses more consistent, refined card funding and transaction details, clarified recent activity, and fixed issues across Borrow, Save, gift cards, and notifications. This update also includes general performance, stability, and visual improvements.

### 1.0 — 2026-08-20

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-28.*