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Evolve How You Spend Cryptocurrency

Cake Pay bridges the gap between self-custody assets and everyday commerce. Spend Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) instantly at thousands of retail merchants worldwide without KYC headaches or high transaction fees.

Read Full Review How to Spend XMR

BLUF: Instant Crypto Spending with Zero Friction

Cake Pay is an integrated merchant service inside Cake Wallet and Monero.com. It allows users to convert cryptocurrency instantly into merchant gift cards or prepaid virtual debit cards. By operating directly inside a non-custodial wallet, it keeps your private keys secure while enabling instant cash-like transactions at checkouts.

How Cake Pay Connects Your Wallet to the Real World

Traditional cryptocurrency payments require waiting for block confirmations or relying on centralized exchanges that freeze accounts and demand invasive personal documentation. Cake Pay offers a privacy-respecting alternative that fits seamlessly into your daily routines.

Instant Gift Cards

Purchase retail codes for thousands of brands, including grocery stores, travel portals, and online marketplaces, with discounts of up to 3%.

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Prepaid Virtual Cards

Generate on-demand prepaid virtual Mastercards to shop online at any merchant that accepts card payments (US-based users).

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Pure Non-Custodial Tech

Your wallet, your keys. Cake Pay facilitates the exchange instantly at the moment of checkout, ensuring your primary balance remains in self-custody.

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Compare Your Options

Before jumping in, it helps to understand how Cake Pay stands against other options. We have analyzed features, limits, and security setups to help you choose the best route for spending crypto.

To see a breakdown of supported merchants, fees, and privacy limits, check our detailed Cake Pay Review.
To compare Cake Pay directly with alternative services like Bitrefill, view our head-to-head comparison in the Cake Pay vs Bitrefill guide.
Learn the step-by-step process of purchasing, saving, and scanning gift cards in our Spend Monero Guide.

Frequently Asked Questions

What is Cake Pay?

Cake Pay is a service built into Cake Wallet that lets you spend cryptocurrency by instantly buying retail gift cards or prepaid virtual Mastercards directly inside the app.

Do I need to undergo KYC verification to use Cake Pay?

Cake Pay requires only an email address for standard gift cards, which is highly private. However, virtual Mastercards and certain larger transactions may trigger automated KYC holds or address verification requirements by third-party card suppliers.

Which cryptocurrencies are supported?

Cake Pay currently supports Monero (XMR), Bitcoin (BTC), and Litecoin (LTC) directly from your wallet balance.