How To Use Bitcoin (BTC) To Send And Receive Money
As of 2025, Bitcoin has evolved from an experimental digital currency to a mainstream financial asset adopted by major corporations, institutional investors, and governments worldwide. While transaction fees can fluctuate significantly during network congestion (sometimes reaching $50+ during peak periods), Bitcoin’s decentralised nature, growing regulatory clarity, and integration with Lightning Network for instant micropayments have solidified its position as “digital gold.” Modern Bitcoin usage extends far beyond simple peer-to-peer transfers, encompassing DeFi protocols, NFT marketplaces, and corporate treasury management. This guide explores how businesses and individuals can leverage Bitcoin’s mature ecosystem, including advanced wallet technologies, Layer 2 solutions, and regulatory-compliant payment processors that have emerged in the post-ETF approval era.
5 key advantages of using Bitcoin (BTC) for business transactions in 2025
Following Bitcoin’s mainstream adoption and the approval of multiple Bitcoin ETFs in 2024, the crypto landscape has matured significantly. Major corporations like MicroStrategy, Tesla, and El Salvador continue to hold Bitcoin as a treasury asset, while traditional financial institutions now offer Bitcoin custody services. The regulatory environment has become clearer with comprehensive frameworks in the US, EU, and other major economies. Despite Bitcoin’s volatility, its 15+ year track record, growing institutional adoption, and integration with traditional finance make it an increasingly viable option for both businesses and individuals. Here are the key advantages driving Bitcoin adoption in 2025:
- Low transaction fees: Money transfer transactions in the traditional banking system can sometimes be very expensive for individuals and businesses. Bitcoin, however, transparently guarantees an extremely smooth transfer process with no third parties involved, and charges much lower transaction fees than traditional banking for money transfers. Thanks to its strong relationships with banks and other payment instruments, Bitpace combines speed, cost-efficiency, and exceptional success rates in all kinds of transactions for businesses.1. Variable Transaction Fees with Layer 2 Solutions: Bitcoin’s main network (Layer 1) transaction fees can range from $1-5 during normal periods to $50+ during high network congestion, making it less suitable for small transactions. However, the Lightning Network has matured significantly by 2025, enabling instant micropayments with fees under $0.01. Major exchanges, payment processors, and wallets now offer Lightning integration by default. For businesses, this means choosing the right layer: Layer 1 for large, final settlements and Lightning for everyday transactions, subscriptions, and micropayments.
- Quicker settlement times: Another very important consideration for businesses that make frequent money transfers is the time taken to complete the transactions. One of the most frequently used methods of sending money today is through the use of banking systems as an intermediary. However, the occasional delays in such traditional money transfer transactions can cause businesses to lose time and cash. On the other hand, sending money through Bitcoin does not involve any intermediary, and the transaction is usually completed within a few minutes to a few hours, depending on the network density. The fact that all transactions can be transparently tracked on the blockchain can reflect both the security and the estimated arrival time of the funds. In addition to that, by combining Bitcoin’s inherent quickness with Bitpace’s lightning-fast conversion and settlement features, it’s easy for businesses to avoid the common delays associated with traditional currencies!
- Dual-speed settlement options: Bitcoin offers two distinct settlement experiences in 2025. Layer 1 transactions typically require 1-6 confirmations (10-60 minutes) for security, which is still faster than traditional wire transfers (1-3 business days) but slower than modern payment systems like Zelle or instant bank transfers. However, Lightning Network transactions settle instantly (under 1 second) with finality, making Bitcoin competitive with credit cards and digital wallets. Major businesses now use hybrid approaches: Lightning for customer payments and retail transactions, Layer 1 for large B2B settlements, treasury operations, and international transfers, where the 24/7 availability provides significant advantages over traditional banking hours.
- Cross-border transactions: Among other advantages, Bitcoin also offers great advantages to businesses in cross-border money transfer transactions. All you require to make a payment to any person or business is a crypto wallet that supports the Bitcoin network, and it does not matter where the owner of the receipt address is located. While all kinds of money transfer transactions are easily realised on a global scale very quickly, the fact that it’s borderless, along with all the other advantages it provides, has made Bitcoin a favorite in international payments. Businesses integrating Bitcoin through Bitpace can easily perform all kinds of money-sending and receiving transactions borderlessly and become global actors. Global Accessibility with Regulatory Compliance: Bitcoin’s borderless nature remains one of its strongest advantages in 2025, but the landscape has become more nuanced with regulatory developments. While Bitcoin can be sent anywhere in the world 24/7 without traditional banking intermediaries, users must now navigate varying regulatory frameworks. Many countries have implemented clear guidelines: the EU’s MiCA regulation, the US’s evolving framework, and other jurisdictions’ specific rules. Modern Bitcoin services offer compliance-ready solutions including automated tax reporting, KYC/AML integration, and jurisdiction-specific features. For businesses, this means Bitcoin enables true global commerce while maintaining regulatory compliance through proper tooling and service providers..
- Enhanced security and self-custody options: Bitcoin’s cryptographic security has proven robust over 15+ years, with no successful attacks on the core protocol. In 2025, users benefit from a mature security infrastructure including hardware wallets (Ledger, Trezor, Coldcard), multi-signature solutions, and institutional-grade custody services. Unlike traditional banking, where funds can be frozen or seized, Bitcoin offers true financial sovereignty through self-custody. For businesses, this means protection against bank failures, political instability, and capital controls, while still having access to insured custodial services when preferred for operational convenience.
- Programmable money and smart contract integration: Bitcoin’s evolution in 2025 includes enhanced programmability through technologies like Taproot, RGB protocol, and Lightning Network smart contracts. While Ethereum remains the dominant smart contract platform, Bitcoin now supports sophisticated financial applications including multi-signature escrows, time-locked payments, and conditional transfers. The integration with DeFi protocols, wrapped Bitcoin (WBTC) on other chains, and emerging Bitcoin Layer 2 solutions like Stacks and Liquid Network provide businesses with programmable money capabilities while maintaining Bitcoin’s security guarantees. This enables automated payments, treasury management, and complex financial instruments previously impossible with traditional money.
Modern Bitcoin payment solutions for businesses in 2025
Modern Bitcoin payment processors support over 100+ cryptocurrencies and offer seamless integration with existing business infrastructure. These platforms provide APIs, plugins for major e-commerce systems (Shopify, WooCommerce, Magento), and mobile SDKs for app integration. Advanced features include real-time exchange rate protection, automatic conversion to stablecoins or fiat, batch processing for efficiency, and comprehensive analytics dashboards. Businesses can accept payments globally while maintaining compliance with local regulations through built-in KYC/AML tools and automated reporting systems.
Multiple payment methods: Links, QR codes, and API integration
Modern Bitcoin payment solutions offer multiple integration methods to suit different business needs. Payment links provide a simple way to request payments via email, SMS, or messaging apps, with automatic expiration and conversion rates. QR codes enable instant in-person payments through mobile wallets, with Lightning Network support for immediate settlement. For advanced integration, RESTful APIs allow custom implementations with webhooks for real-time payment notifications. Many platforms also support BOLT11 Lightning invoices, on-chain address generation, and hybrid payment flows that automatically route transactions through the most cost-effective method based on amount and urgency.
Receive Bitcoin (BTC) payments in large sums
Bitcoin payments don’t have amount limits. If you need to send or receive large sums, crypto makes it easy to get your payments fast. Without the transfer limits and delays of traditional payment rails, you’ll get your payments in no time.
Receive Bitcoin (BTC) payments 24/7
Bitcoin payments are not limited by traditional working hours, holidays, or sick days. Instead, any business can get paid right away with crypto from anywhere in the world, no matter the time or day.
Advantages of Bitpace for business Bitcoin (BTC) payments
Bitpace stands out as a crypto payment gateway to be integrated into businesses for sending and receiving money with Bitcoin. Bitpace has exclusive solutions for the following industries:
- Financial institutions
- Real estate sector
- Automotive sector
- E-commerce
Bitpace offers a payment gateway accessible in over 20 languages and supports its customers wherever they are in the world in their payments with Bitcoin. In addition, the ease of integration with the most important e-commerce platforms such as OpenCart and WooCommerce ensures trust in Bitpace. Other opportunities that Bitpace offers to businesses in money transfer transactions with Bitcoin can be expressed as follows:
Stable conversion rates: Our platform is all about keeping things steady. You decide how long, and we’ll lock in a fixed conversion rate for you. No more worrying about the ups and downs of the market.
Multiple payments, one clear view: We help you monitor all your incoming transactions, letting you review incoming payments and manage your payment history from a bird’s-eye view.
No fuss refunds: With Bitpace, you can handle occasional refunds without a hitch. Our refund feature makes your reimbursement rules easy to follow, whether it’s sorting out overpayments or underpayments, ensuring your customers are always happy.
Security & privacy
The security of businesses is Bitpace’s top priority. The payment gateway uses advanced encryption and authentication tools to ensure every transaction is secure and protects sensitive information.
Transactions through Bitpace’s payment gateway come with enhanced privacy. Personal and financial information remains private, giving both merchants and customers peace of mind.
Auto conversion
Received crypto funds can be automatically converted into preferred settlement currencies (EUR, USD, USDT, USDC). Stop losing time and money due to market fluctuations or conversion errors with Bitpace.
If you are also interested in sending and receiving money with Bitcoin for your business, Bitpace will accompany you in this unique world of cryptocurrencies!
Start accepting crypto payments with Bitpace’s crypto payment gateway
Get paid in Bitcoin, Ethereum, Litecoin, and many more established cryptocurrencies with Bitpace crypto payment gateway. Reach out now to start accepting crypto payments.