Most people can't afford to buy one Bitcoin in a single lump sum, and waiting to "save up" means watching the price climb out of reach. Bredit solves this by letting users buy Bitcoin on credit and pay it back over time in fixed monthly EMIs - just like a home loan but for Bitcoin. Users put down a small down payment, lock in today's Bitcoin price, choose their tenure, and pay the rest in easy monthly installments. Even if Bitcoin's price doubles during the loan, the rate stays the same. Pricing is transparent with two simple components: Interest (based on tenure and down payment) and a Security Fee that protects users from liquidation during volatility. Bredit makes Bitcoin ownership accessible to salaried users and first-time buyers who want long-term exposure without needing large upfront capital, without timing the market, and without custody headaches during the financing period.
- Digital Wallets
- Fintechs
- Neobanks
- Payments
- Borrowing and Lending
- Payment Settlement
- P2P Remittances
- Base
- Yes
- Android
- iOS
- Web
- APAC
- India
Making Bitcoin accessible to everyone.
SwapSo is a financial technology company on a mission to make Bitcoin ownership simple, safe, and accessible to everyone. We believe the world's hardest money should be available to anyone - not just early adopters or sophisticated investors - and we've built two flagship products that work together to bring users into the Bitcoin economy.
The SwapSo Wallet is a powerful multi-protocol wallet that supports Bitcoin onchain, the Lightning Network, and stablecoins inside a single intuitive interface. It is built around a dual user flow: a beginner-friendly experience for first-time users who want speed and simplicity, and an advanced mode for power users who need granular control over keys, fees, and routing. Whether you're sending sats over Lightning, settling a payment in stablecoins, or holding long-term Bitcoin savings, SwapSo Wallet gives you one home for all of it.
Bredit, short for Bitcoin Credit, is a first-of-kind product. Bredit lets you buy Bitcoin on credit and pay it back over time in easy monthly EMIs - just like a home loan, but for Bitcoin. You lock in today's Bitcoin price with a small down payment, choose your tenure, and pay the rest in fixed monthly installments. Even if Bitcoin's price goes up later, your rate stays the same.
Together, the SwapSo Wallet and Bredit form a complete on-ramp into Bitcoin: a flexible way to acquire it combined with a unified place to hold and use it across protocols. Our goal is to onboard the next billion Bitcoin users by removing the financial and technical barriers that have kept them out, with a product experience that feels as familiar as the consumer fintech apps they already use every day.
Use Cases
Today, users have to juggle multiple apps - one for Bitcoin, another for Lightning payments, and another for stablecoins - each with its own learning curve, fees, and recovery setup. The SwapSo Wallet brings all three into a single, unified interface. Users can hold Bitcoin for long-term savings, send and receive instant Lightning payments for everyday transactions, and use stablecoins for dollar-denominated value, all from one app. This eliminates the friction of moving between wallets, reduces the risk of losing keys across multiple platforms, and gives users a single home for their entire crypto financial life. Whether they're a saver, a spender, or both, SwapSo Wallet meets them where they are.
Traditional remittance services charge 5%-10% in fees and take days to settle, which is brutal for migrant workers sending small amounts home. SwapSo Wallet lets users send money across borders in seconds for fractions of a cent using the Lightning Network or in stable dollar value using stablecoins. A worker in Dubai can send funds to family in India, the Philippines, or Nigeria instantly - no banks, no high fees, no multi-day delays. Recipients can hold the value as stablecoins, convert to local currency, or save in Bitcoin. By cutting out intermediaries, SwapSo helps migrant families keep more of every dollar earned, addressing one of the largest pain points in global financial services.
Millions of people live in countries where their local currency loses 10%-50% of its value each year due to inflation and currency devaluation. Access to US dollars is often restricted, expensive, or requires a foreign bank account. SwapSo Wallet gives anyone with a smartphone access to dollar-denominated savings through stablecoins. Users can convert local currency into stablecoins, hold them safely, and spend or transfer them globally - all without needing a US bank, a passport, or institutional approval. This is a financial lifeline for users in regions with unstable currencies, helping them protect their hard-earned money and participate in the global economy on equal footing.
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