Turn Bitcoin Into Everyday Spending Money

You spend bitcoin like cash by sending BTC into Ready, borrowing USDC against your bitcoin, and using the Ready Card to spend that USDC while earning STRK cashback.

How do I actually spend bitcoin like cash with Ready?

Most people think you need to sell bitcoin to use it in real life - Ready fixes that. With Ready, you bridge or send supported BTC (WBTC, LBTC, tBTC, SolvBTC) into your account. Then you borrow USDC against your bitcoin, and that USDC becomes your everyday spending balance. The Ready Card works like a normal Mastercard: tap, swipe, pay anywhere globally. No FX fees. No giving up custody. Just bitcoin powering your day-to-day spending.

How does the 10% cashback with Ready Metal actually work?

Ready Metal gives you up to 10% cashback in STRK during your first 30 days after activating the card.

The rules are simple:

• 10% STRK cashback on your first $1,500 of eligible spend (first 30 days).
  
• Then 3% STRK cashback on up to $5,000 of monthly spend.
  
• Capped at $150 STRK/month and $1,800 STRK/year.
  
• Cashback is paid monthly, typically around the 15th.
  
• Rewards are funded by the Starknet Foundation and reviewed quarterly.
  

Ready Lite also earns cashback, just smaller: 0.5% STRK on up to $5,000/month.

What’s the actual flow from BTC → spending money?

Here’s the clean, real-world path to “spend bitcoin like cash”:

1. Send or bridge a BTC wrapper (WBTC, LBTC, tBTC, SolvBTC) into Ready.
   
2. Tap “Borrow against Bitcoin” and open a low-interest credit line (~1.6%).
   
3. Borrow USDC against part of your BTC - flexible and repayable anytime.
   
4. Spend USDC with your Ready Card anywhere Mastercard works.
   
5. Earn STRK cashback on eligible purchases (rate depends on Metal vs Lite).
   

Everything remains self-custodial. Your bitcoin stays in smart contracts you control.

Can I earn yield on my bitcoin at the same time?

Yes. But only if you choose to. BTC does not earn yield just by sitting in Ready.
To earn, you can:

• Stake BTC on Starknet for protocol rewards.
  
• Lend WBTC inside Ready at around 3% APY.
  
• Borrow USDC against BTC and earn extra STRK via BTCFi incentives (when available).
  

This means you can keep most of your BTC earning while only borrowing the USDC you need for everyday spending.

Key Takeaways

• Spend bitcoin like cash by borrowing USDC against BTC and paying with the Ready Card.
• Ready Metal gives up to 10% STRK cashback, then 3%, within clear caps.
• You stay fully self-custodial while using bitcoin for everyday spending.
  
  

Ready is free to download and takes 60 seconds to set up.