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Lightning Pay is now Stacked. Learn more →

Stacked Wallet

Your Bitcoin. In your control.

Save, send, and spend Bitcoin with a wallet you control. Built for New Zealanders who want simple, self-custodial Bitcoin: fast payments, low fees, and full control of your funds.

Stacked Bitcoin wallet app showing balance and growth chart

Self Custody

Spark state-chain wallet with unilateral exit, maintaining strong user security with a seamless mobile experience.

Lightning + On-chain

Use Lightning for fast, low-cost transfers and on-chain rails when moving long-term savings to cold storage.

Buy and Sell

Buy with NZD and sell back to NZD in a few taps, without address copy-paste friction.

Buying or selling a larger amount?

For bitcoin orders over NZ$200k, Stacked OTC gives you direct support from our team, lower all-in pricing for larger transactions, and managed settlement to or from your wallet.

Talk to us about OTC

Wallet Features

Buying, selling, stacking, saving and spending made simple.

Buying

Stack Bitcoin savings at your own pace directly from your Stacked account.

Selling

Move from Bitcoin to NZD quickly when you need liquidity.

Bitcoin Lightning

Fast, reliable, low-cost sending and receiving for everyday stacking.

On-chain

Send to your own cold storage whenever you choose.

Spend

Find and pay Bitcoin-friendly merchants with confidence.

Control

You stay in control, with unilateral exit available from Spark state-chain.

Privacy

Self-custody means Stacked doesn’t know your balance, who you pay, or who you receive from.

What's under the hood?

Stacked Wallet is built with Breez SDK to deliver robust Lightning capabilities with a smooth mobile UX.

Keep more of every stack

Buying small amounts on-chain loses a slice of every stack to network fees — buys delivered over Lightning don't. Compare the two on a recurring buy and see, year by year, how much more of your money ends up as bitcoin.

Try the fee savings calculator