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SkyBitcoins

Best of · Bitcoin · Updated

The best Payments dApps on Bitcoin in 2026

We track 7 Payments dApps that run on Bitcoin and have reviewed 4 of them in full. Our top pick is Lightning Network. Each one is scored on security, ease of use, fees and features.

Ranked list

  1. 1
    Lightning Network logo

    Lightning Network

    Payments · Bitcoin

    Lightning Network can make Bitcoin payments faster and cheaper by routing them through payment channels instead of settling each payment on-chain. It is a protocol, not a single wallet or service, so your experience and costs depend on the wallet and route you use.

    Read the Lightning Network reviewVisit Lightning Network(opens in a new tab)
    ScoreScore 6.5 out of 10
    TVL $244M−6.5%
  2. 2
    Speed Markets logo

    Speed Markets

    Payments · Bitcoin

    Speed is a business-focused Bitcoin and stablecoin payment gateway, not a consumer trading app. Its advertised 1% transaction fee is a useful starting point, but get full pricing and custody terms before routing payments through it.

    Read the Speed Markets reviewVisit Speed Markets(opens in a new tab)
    ScoreScore 6.1 out of 10
    TVL —
  3. 3
    Coinify logo

    Coinify

    Payments · Algorand, Bitcoin

    Coinify offers crypto payment processing for businesses and crypto buying and selling for individuals and traders. Its fees and custody arrangements need checking before you use it.

    Read the Coinify reviewVisit Coinify(opens in a new tab)
    ScoreScore 5.0 out of 10
    TVL —
  4. 4
    Onchain Trade logo

    Onchain Trade

    Payments · Bitcoin, Solana, BNB Chain +4

    Onchain Trade is branded on its site as Onchainpay, a payment gateway for businesses that want to accept crypto and manage payouts. Its feature set is broad, but published fees and clear custody and licensing details are missing.

    Read the Onchain Trade reviewVisit Onchain Trade(opens in a new tab)
    ScoreScore 4.5 out of 10
    TVL —
  5. 5

    Rozo

    Payments · Base, Bitcoin, BNB Chain +4

    Rozo appears to offer cross-chain payment tools for merchants, but key details about fees, security and how to get started are not published. There isn’t enough information to recommend using it for payments yet.

    Read the Rozo review
    ScoreNot rated yet
    TVL —
  6. 6
    Stacked Invest logo

    Stacked Invest

    Payments · Bitcoin

    Stacked Invest is a payments project on Bitcoin. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Stacked Invest reviewVisit Stacked Invest(opens in a new tab)
    ScoreNot rated yet
    TVL —
  7. 7
    Ezbeans logo

    Ezbeans

    Payments · Bitcoin

    Ezbeans is a payments project on Bitcoin. Its team publishes little about how it works, what it costs or how funds are secured, so treat it with care.

    Read the Ezbeans reviewVisit Ezbeans(opens in a new tab)
    ScoreNot rated yet
    TVL —

Payments dApps on Bitcoin: the numbers

Tracked
7
Reviewed
7
Total TVL
$244M
Avg. score
5.5/10

The SkyBitcoins index lists 7 payments dApps on Bitcoin. Every one of them has a full review. Across the 1 with TVL data, the combined value locked is $244M, counting value on every chain they support.

Only Lightning Network reports value locked, at $244M. The best-rated is Lightning Network with 6.5/10, followed by Speed Markets (6.1) and Coinify (5.0). The 4 rated payments dApps average 5.5/10, and none scores 8 or above yet.

Many also deploy elsewhere, most often on Solana (2), BNB Chain (2) and Ethereum (2). All 3 with a confirmed status are active.

Largest by TVL

  1. 1Lightning Network logoLightning Network$244M

Highest rated

  1. 1Lightning Network logoLightning Network6.5
  2. 2Speed Markets logoSpeed Markets6.1
  3. 3Coinify logoCoinify5.0
  4. 4Onchain Trade logoOnchain Trade4.5

Method

How we ranked them

Reviewed dApps come first. Each SkyBitcoins review scores security, ease of use, fees and features from 0 to 10 using public facts such as audits, documentation and on-chain data; the overall score orders the list, with total value locked as the tie-breaker. Projects we have not reviewed yet follow, ordered by total value locked. Scores are never sold.

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Frequently asked questions

What is the largest payments dApp on Bitcoin by TVL?

Lightning Network is the largest payments dApp on Bitcoin by total value locked, with $244M across all the chains it supports. TVL figures come from DefiLlama and change daily.

Which payments dApp on Bitcoin has the highest SkyBitcoins score?

Lightning Network has the highest score at 6.5/10, ahead of Speed Markets (6.1) and Coinify (5.0). Scores weigh security, ease of use, fees and features, and are based only on facts we could verify.

How many payments dApps on Bitcoin has SkyBitcoins reviewed?

SkyBitcoins tracks 7 payments dApps on Bitcoin. Of these, 7 have a full review and 1 report value locked, $244M in total, counting value on every chain they support.

What is the average score for payments dApps on Bitcoin?

The 4 rated payments dApps on Bitcoin average 5.5 out of 10. Of these, 0 score 8 or higher and 1 score below 5.