ACH

pop-1988

Don't use a credit card to deposit ACH deposits are free Contact the exchange to increase account limits

light_death-note

There should be an option in your account to increase the limits of it. Also ACH, you can instantly deposit from your bank account into coinbase. Sometimes there's a wait until you can send the money out though.

Reasonable-Length475

If Satoshi were active today, I think he’d be pleasantly surprised at the development of Ethereum and stablecoins. Stablecoins are the fastest rails for financial transactions. They happen almost instantly, super cheap, cross borders, permissionless and unlimited in the amount you can send, cutting out 5-6 middleman layers in traditional ETF or ACH or credit card transfers. Ethereum is the store of value chain which validates network transactions and generates yield.

BrokeOnTheBlockchain

You can link your Fold card to Gemini just like any other debit card, but keep in mind Gemini may have limits or restrictions on debit card purchases depending on your region. Also, debit card purchases on Gemini usually come with higher fees and lower limits compared to bank transfers or ACH.

RiverOfficial

For more information on how to enable bitcoin transfers, feel free to check out our [Help Center article here!](https://support.river.com/kb/guide/en/how-do-i-enable-transfer-functionality-h8MezEvHFD/Steps/2123558) Once verified, and your funds clear [our ACH holding period](https://support.river.com/kb/guide/en/when-can-i-send-my-bitcoin-from-river-pM6iUh4Rz5/Steps/2122185), there is no limit on how much bitcoin can be withdrawn. As Bitcoiners, we always encourage the use of self-custody!

skydiveguy

Ive bought through Coinbase for years. When I finally decided to sell some to pay off my house, I did so through Coinbase. They had the money transferred into my account via ACH transfer within 24 hours. No complaints.

HSuke

> they've neglected the ACH network to an almost embarrassing level **Fednow** is supposed to have replaced ACH as an instant money transmitter. It's been years since its launch. Whatever the hell happened to it?

Fluid_Exchange501

Blockchain was created without the government, don't really see why we need them now considering they've neglected the ACH network to an almost embarrassing level but if they sort out the taxes around buying and selling crypto that would be on point

BlackjointnerD

Heres what your not understanding. Ripple becoming a bank ON TOP OF XRPL enforces the idea of everyone being there own bank. ♦️SWIFT is a gatekeeper. You build within it, under its conditions. ♦️XRPL is a toolbox. You build on top of it, without permission. In a world where programmable money, machine-to-machine commerce, and open finance are becoming the norm, rigid frameworks like SWIFT are starting to show their age. SWIFT requires you to conform to its global rules, integrate through complex APIs, clear compliance checks, and pay usage fees. Every message sent is part of a larger interbank choreography. You don’t touch the rails—you request permission to use them. It’s rigid. It’s slow. But it’s standardized. XRPL doesn’t impose rules about how to use it. You interact directly with the ledger via WebSocket or JSON-RPC, and build from scratch. It’s the closest thing to financial assembly language—lean, powerful, and yours to shape. Ripple is building a vertically integrated, blockchain-native alternative to SWIFT. Where SWIFT sends messages, Ripple moves money. For enterprises that value speed, transparency, programmability, and digital asset interoperability, Ripple's stack—especially when combined with XRPL primitives—offers a forward-facing infrastructure SWIFT can’t match. SWIFT uses ISO 20022 messaging, not a settlement platform. Its new messaging format, but still relies on correspondent banks and external settlement systems like CHIPS, TARGET2, or Fedwire to actually move money. Unlike SWIFT+ISO 20022, the XRP Ledger and RippleNet combine: •Instructions (messaging) •Routing logic •Liquidity sourcing •Final settlement on-ledger This eliminates the fragmentation between message and money, because settlement is native on XRPL. XRP isn't unlike anyform of asset or digital asset before it.. when viewed through the correct lens, is not just a digital asset, not just liquidity, and not just collateral — it is all three simultaneously. That composability is what sets it apart from anything that came before in traditional finance or even in earlier digital asset models like Bitcoin. ♦️ 1. Native Liquidity: • Globally transferable • Traded 24/7 • Final in 3–5 seconds • Nearly feeless It’s not just representing liquidity like fiat or securities — it is liquidity, in pure digital form, across any border or use case. ♦️2. Built-In Collateral: • XRP can be locked in escrows with programmable logic. • XRP can be used as bond, stake, or backing without intermediaries. • XRP can collateralize stablecoins, loans, or liquidity positions directly on-ledger. This is self-custodied, real-time collateral — not dependent on external trust or third-party clearing houses. ♦️3. Instant Settlement Layer Unlike SWIFT, Fedwire, or ACH: • XRP transactions are settled directly on the base layer. • No need for layered messaging or clearing. • No intermediaries to introduce cost, delay, or risk. It’s true atomic value transfer, which means it handles messaging, verification, liquidity sourcing, and settlement — all in one atomic step. Why This Is Unprecedented?? Traditional finance splits functions across multiple parties and systems: 1. Liquidity - Banks, Market Makers 2. Collateral - Custodians, Escrow Agents 3. Settlement - Clearing Houses, Central Banks 4. Messaging - SWIFT, ISO 20022 Ripple/XRPL does all in one: 1. Liquidity - Native in XRP itself 2. Collateral - Smart-locks on XRPL via escrows, hooks 3. Settlement - Built-in to XRPL ledger logic 4. Messaging - JSON/WebSocket native transactions XRP is unlike any digital asset before, It isn’t just a cryptocurrency. It’s a programmable, settlement-grade, liquidity instrument with built-in collateral functions. XRP is what happens when you collapse an entire financial stack into one asset on one protocol.🌐 Anyone anywhere on planet earth can right now open a node and participate in the network no questions asked. XRP cant be controlled by anyone on the network. It's not a issued asset. It's a native decentralized transparent fast settlement token. Like a gumball machine you put in a coin and take out whatever you want.

CryptoNerdSmacker

“Direct Access to U.S. Payment Systems A U.S. banking license would give Ripple: • Direct connectivity to the Fedwire, ACH, and SWIFT networks → Ripple can move RLUSD and fiat seamlessly. • Ability to hold deposits, issue loans, and clear payments in-house → not reliant on third-party correspondent banks.” This will translate to a boon of volume and liquidity on XRPL. XRP will probably get a nice price boost from this if it pans out.

Masayver

I have a Fold debit card that I got back in March or so and agree that their online documentation is a bit unclear. I've reached out to their support a few times with questions. I've found that the bill pay through PayPal doesn't work well for me because I can't find my mortgage provider in the list of payees in PayPal. An alternative to using bill pay through PayPal is to set up an ACH payment account with your mortgage payee if they support that. I have not set up my mortgage payment yet but I do pay a car loan and a couple of utilities via ACH and get the 0.25% rewards for them.

DennisEckersley00

I disagree that believing governments will someday deal in crypto is unfounded. Holding Bitcoin as a reserve is dealing in crypto in the first place. Why is it crazy to say the next step from there is to use it for transactions? I would not wait 2.5 minutes at the checkout counter. But, currently the fastest way two governments or corporations can pay eachother large sums of money digitally is via a bank wire or ACH, which usually take at least 24 hours to hit. 2.5 minutes is an incredible improvement over this. And 2.5 minutes is a perfectly acceptable wait time for a huge transaction between governments, corporations, etc.

jeremiahcp

Banks already use third parties every day: SWIFT, correspondent banks, Visa, Mastercard, ACH, all of them are external systems banks don’t control, yet depend on for critical financial operations. Saying banks won’t use XRP because it’s a third party is like saying they wouldn’t use any payment network at all. The arugment doesn't make sense.

jeremiahcp

I don't see it as a stretch. That’s something you imagined on your own, and it has nothing to do with me. The goal of XRP is similar in concept to what Visa and Mastercard do, not for retail purchases, but for cross-border payments and liquidity. And if you don’t like that analogy, we can just look at ACH and SWIFT, both of which are also third-party systems that XRP aims to compete with.

idliketoseethat

We are still firmly attached to traditional brick and mortar banks. A bank account is required by investment brokerages and you can't just deposit cash to an online account. Once my money is in the bank I can then use my ATM debit card, send funds by ACH or withdraw using my PayPal account but it still takes a traditional bank account to make those things happen.

SpectacularLifeNoise

Can you sell Bitcoin on either of those and get USD right in your wallet that you can then transfer directly to your bank or are they risky P2P ACH transfers only?

plutusfortuna

Yes! It's one of our most popular loan types. Today, you can borrow up to 40% loan-to-value (LTV) against your Litecoin. Monthly interest payments in LTC is interesting - will take this suggestion to the team and see how we can enable this in the future, but for right now, interest payments are collected either in USD via bank wire/ACH or via the USDC stablecoin on the ETH network!

laraja

Hey there, I'm interested in using Fold for my bills and mortgage, but don't want to set up direct deposit. Are there fees transferring money into your Fold account via ACH?

No-Painter4337

No, can’t do that I think. I send my funds via the regular ACH deposit a few times a month.

infinitecipher

I've used this for years and believe it's on the way out unless it evolves. The ACH cash back is maxed at a value based on the prior month's debit card usage. Debit card has 0.5% cash back, but only when used as a signature purchase. I won't be using a 0.5% debit card in place of 2-5% credit cards, but I was historically able to use the Fold debit card through PayPal Bill Pay to pay off credit card and some other bills. Unfortunately, the businesses that accept PayPal Bill Pay have been cut so drastically that they exclude everything I use. I could still use my debit card to pay my Citi credit card bills over the phone, but I've already confirmed no cash back for that because it's not a "signature purchase." I don't know if it'll count toward the ACH cash back limit, but the 0.25% back on the ACH payment for such a small amount isn't worth the hassle.

infinitecipher

I forgot about this comment. It didn't work for me, either. I made what I expect to be one last ACH payment before my economical options for cash back totally dry up. Keeping some funds in the account just in case for another month just in case I missed changing an automatic payment, then I'll withdraw everything and cancel the subscription.

RoughReality277

Are you talking about Zelle? Or, ACH.. shouldn't be a cap on ACH..

Existing_Map6402

Can you say that for middle class risky project sir , I’m down too . ACH COTI ARKM

ryuhayabusa34

I was very excited about this but then disappointed to learn that the ACH rewards are limited to what you spent the previous period on the debit card, which only pays 0.5%. Hopefully that will improve, because the ACH function would be phenomenal. For me it's just not worth it for only 0.5% requirement on the debit side.

DebianDog

back-and-forth from a regular bank account ACH, wire, etc.

mechabased

In coinbase, using the instant withdrawal feature will cost $15 per $1000 withdrawn, while ACH transfer is free but takes 3 days. At that price, withdrawing $500k would cost $7,500. Maybe your institution has similar but high fees? Any premium mode? Any way to negotiate with them?

Disastrous_Cobbler13

What's an ACH and why does it need to hold?

Crazy_Tooth1858

Any ACH is going to have a hold. You can try a P2P like BISQ, but you're going to be paying a premium.

SemperDeeper

Depends on how you bought the BTC… if you bought directly from your bank (didn’t have cash already sitting in Strike balance), then you have to wait for the ACH to clear the fiat system before you can send the BTC to your cold wallet.

KateR_H0l1day

I use the Crypto.com card, but sent my first ACH with cash back to my bank yesterday as a test, saw it in my bank account as pending this morning, which is a relief 😊

TheEntertain

That assumes you can purchase bitcoin using a credit card, and from my research that's very hard to do because either 1) exchanges only allow ACH or debit card transactions or 2) banks/visa/mastercard don't allow credit card transactions on crypto exchanges. Is there a specific exchange or bank you're using to bypass these restrictions?

cowswho2

You gotta pay the instant fees bro. Or if you already had cleared funds you could add more and use the cleared funds while the new funds clear. But you’re not gonna get free instant transfers. Idk what hour it is where you’re at but possibly a wire transfer. They’re faster than an ACH but still cost money and aren’t instant.

110010010011

Someone who is legitimately billing you for something would accept cash, ACH, check, money order or wire transfer. Why do they need Bitcoin or Monero? If it’s important they get their money tonight, they would be more flexible unless they are a scammer, or you are purchasing an illegal product or service. Explain to us why you’re in such a rush to permanently rid yourself of $10,000.

RamoneBolivarSanchez

Bro what are you asking? You’re trying to set up a multisig? If your funds are getting timed out on coinbase it’s because you’re new and they don’t want you withdrawing the funds off immediately. If you keep using them they’ll increase your daily limits and withdrawal periods based on the purchasing method. If that doesn’t work just use a different purchasing method like debit instead of ACH/bank wiring.

omg_its_dan

Usually these limits are just for ACH transfers. Use a wire transfer instead.

2LostFlamingos

I use it with PayPal bill pay to pay my credit cards and one mortgage. 2 years ago it was freaking awesome. I could pay nearly all my bills and get 2-3% spinning the wheel. I had months where I stacked a million stats plus. Now I get 0.5% on some bills and 0.25-0.5% on some others with ACH. I pay the $10/month and stack about $60-80 per month with it and the occasional gift card purchase. Not retiring from it, but yeah it’s worth it.

red98GTSR

Are there fees associated with a debit card that aren’t with an ACH?

red98GTSR

Why not go with something that has better fees? Many exchanges offer ACH deposit

morrisdev

My endgame is to get my clients to integrate it into my software instead of automating ACH. Unfortunately, these people, who were just on the cuap of accepting crypto to do these transactions, piles of stupid meme coins came to town along with $trump and $melanoma etc.... I'm a bit irritated. I've been planning to do this for years, but now the reputation is just garbage. I'll retire before it is accepted. So, I guess I'll just sit on it as a retirement fund. But the frustration of knowing how smart contracts could make things soooooooo efficient, yet people refusing to use them because of memes.... It's so infuriating.

invalidusrid

Pretty sure that is only for ACH deposits. I wire in and transfer out same day.

Thanis_in_Eve

I believe the question being asked is what type of payment method are you using that isn't being shut down or blocked? As most banks and financial organizations will not transact to a p2p exchange, the question is valid. A few years ago, even transacting with Coinbase was impossible with most banks in the US. Now, it is easier, but still not 'easy' and that's on a KYC exchange. Please enlighten me on the financial institution that will send my funds to a non-kyc, p2p exchange. Something along the lines of "I use Citizens Bank with an ACH transfer to Coinbase" would be great!

TheFlamingoPower

I like the selection... maybe I would add BNB, LiNK, OCEAN, EGLD, CAKE, SAROS, ACH, INJ... mostly, that's my long-term portfolio.

420osrs

That company is legitimate, but honestly there are better alternatives. I keep half my stack in cold storage and half my stack into the ETFs. Any brokerage will let you borrow a certain percentage value of your stock portfolio using margin. Margin rates are significantly lower than ledns rates. We're talking 5.5 to 7% versus 11%. This is also part of the traditional financial system, so the plumbing is really good on this. Everything happens, essentially, instantly, except for the time it takes to do an ACH transfer. And it's set up for any amount including super high amounts because some people have tens of millions of dollars in their brokerage (or more).  The infrastructure is just better on a margin loan. 

your_unpaid_bills

> I will be opening a bank account in which the main use will be buying crypto with a bank card and making deposits/withdraws from exchanges like Coinbase. Don't buy crypto using your debit/credit card directly, unless you want to pay extra fees. Fund your Coinbase accounts via ACH deposits instead. Also, make sure to switch to the Advanced Trade mode in Coinbase, to reduce fees. > Anyone recommend crypto friendly banks that allow these transactions and are well known such as Wells Fargo or Bank of America? Have you had any issues with them or it being closed because of such activity. I know this doesn't answer your question, but have you considered using an online bank (e.g. Revolut) for this instead? I am in EU, so things might not be exactly the same for you, but I find it quite convenient, cause it's hassle free (you can open it online in minutes), their base plan is free and whenever I need to buy crypto, I can top up my Revolut account from my main bank account for free, and then make a free instant bank transfers to Coinbase to fund my Coinbase account. For withdrawals, I only pay Coinbase withdrawal fee (€0.15 last time I checked).

Shirtwink

I always try and educate people on the Automatic Clearing House, and just how much of our money globally runs through ACH. If terrorists or an internet outage shut that down or pirated it's controls for even a week- the entire financial world would be in shambles. It's a little scary actually. 

NecessaryGlum4054

No it doesn’t, so for example I deposited $100 with ACH then I proceeded to buy $100 worth of solana when it was $171 but my buying price was $174 for some reason also only $98 of solana was allocated to my account. My question is are these not hidden trading fees also because I’m buying it higher than the current price AND not all my money is getting allocated

krakensupport

ACH, and Wire is free with deposits 👉 Kraken+ applies to the [regular Kraken](https://www.kraken.com) interface and offers zero trading fees. Kraken Pro, on the other hand, has [trading fees that start at 0.25% for makers and 0.40% for takers](https://www.kraken.com/en-gb/features/fee-schedule), depending on your 30-day volume. Hope this helps 🤝

NecessaryGlum4054

I use ACH deposit also and still have these hidden fees

krakensupport

It sounds like you’re using [Instant Buy](https://support.kraken.com/hc/en-us/articles/360051144472-Buying-Crypto-on-Kraken), which includes a spread and processing fees. You can use [ACH](https://support.kraken.com/hc/en-us/articles/8795459449492-How-do-I-fund-my-account-with-USD-using-ACH-via-Plaid-) or [Wire to deposit](https://support.kraken.com/hc/en-us/articles/360000381846-Cash-deposit-options-fees-minimums-and-processing-times-) with no fees, and place trades through Kraken Pro — or use Kraken+ in the regular app for no trading fees. More on this here: 👉 [[What is Kraken+?] ](https://www.kraken.com/kraken-plus) Harley 🐙

homerdickens

absolutely!!!! genius move buddy! make sure you buy my coins too ok? ADA, AVAX, DOT, ALGO, VET, NEAR, ACH

erasmushurt

You hear this all the time. But the reality is, you get bigger swings from smaller marketcaps. Yeah, it's easier to lose money on them, but it's also easier to make larger amounts of money on them. Let's take Bitcoin from the low to high in the current cycle, you got about a 6.7x. Pretty good. Solana went from did a 28x. XRP 9.5x. Altcoins but large ones... Let's go smaller. Onyx Coin and SwftCoin were close to 50x. Then you have the pure meme coins like Toshi which dwarf them all. People will always be willing to gamble on longshots. It's riskier. But you aren't going to 20x on Bitcoin. You might on Toshi, or B3, or ACH, and that's what will keep people investing in them.

Lexsteel11

CBDCs are inevitable. Once china achieves this efficiency and creates frictionless automated payment systems (needed if robots/autonomy explodes like it seems it will) that eliminate the 1.5% & $0.15 credit card fees, ACH/SWIFT systems, enabling airdrops for government welfare programs & emergency relief response, etc. it will be an economic boom that the US will not be able to ignore. We will lose privacy but I don’t see it not going in this direction

yebyen

So, your advice is to use an exchange that only operates in the SEPA zone - can you see how this is not helpful for US people? (We use the ACH network, there's no SEPA here)

cache-crypto

lol, good point. Here's the idea: allow crypto users to access their funds real time anywhere in traditional currencies also, will work to fully integrate our services into crypto allowing for quicker action and access. So, no ACH transfers, you can instantly use it. Will market around the world especially in hyper inflated economies like Nigeria and throughout Africa/ Latin America. Oh, one last thing, I can have it completed in three months. Did I forget to mention starting to develop a predictive graphing model? None of this is new code, just have to put it together.

PheelGoodInc

I pay for Fold+. Not sure if that makes a difference or not. I get .5 back for ACH

drewsonofdean

Thanks! I’ve been doing a bit of research and it seems like paying with ACH doesn’t give rewards. The work around is through PayPal billpay, but apparently they have removed some companies like Amex. Have you run into this issue?

PheelGoodInc

Fold is a prepaid Visa card and they give you checking / routing information linked to it. Deposit money into the account from your regular bank account. Use your daily purchases on American Express. Pay off American Express with ACH using the checking / routing numbers from Fold. You get rewards for both. And yes, you can withdraw the SATs to whatever wallet you want.

Sparkskatezx3

Hey @anon67-, in my experience, sending USDT from your cold wallet to Coinbase first makes sense since Coinbase supports USDT and USD conversions easily. Once on Coinbase, you can convert USDT to USD and withdraw to your bank account. ACH transfers usually take 1-2 business days but are cheap; instant transfers are faster but come with fees. Just watch for timing and fees, and yes, avoiding delays or locked funds is best done through regulated exchanges like Coinbase. Hope this helps!

Ok_Resident2948

You may want to consider using an OTC broker/trading desk instead of exchanges (centralized or decentralized). They offer: * Far greater liquidity (utilize institutional liquidity pools/networks) * Greater privacy of your transactions * Little to no slippage issues * No front running (orders are not visible to the market like w/exchanges) * Less issues with network congestion that can delay your activities * VIP level service rather than an impersonal app for everything OTC brokers will allow you to maintain your own wallet (i.e. Ledger, etc.) rather than provide you with custodial services which is important for those concerned with losing access due to financial failure of a custodian or it being hacked. The downsides to OTC brokers: * Minimum trade size requirements * Potentially higher fees to transfer fiat out to bank accounts (SWIFT Wire or ACH) * Limited more towards established tokens, no ICO’s and many meme’s OTC brokers are ideal for those who are high volume traders or trade in large blocks that can be disruptive to the markets and offer far greater privacy with regard to your trades and orders. I highly recommend this option over a CEX or DEX, especially if you trade on a regular basis or simply want a better level of service.

fresheneesz

We found the shitcoiner. Seriously tho, Bitcoin's "tech" is not "dated". You failed to use buying properly. If you want to buy coffee with Bitcoin, use lightning dude. It's like you said "I tried to buy coffee with an ACH transfer and it took 3 days!" Ya it's cause you should have used a debit card instead. It's not Bitcoin's fault that you're doing it wrong.

willieb1172

Sounds like you've been researching already. That's great. I've been doing this for years. In the US, I prefer those first 2 exchanges and in that order. As others have said, DCA in. The cheapest way to do this is to link an ACH account to Kraken and/or Coinbase. Transfer in $500 (it's instant and free) then buy the crypto you want. After the 7 day hold, withdraw the crypto to a cold wallet for safe storage. Don't share your pass phrase with anyone! Hold for over a year before cashing out so avoid short term gains tax. It's fun watching it grow! Also, keep up with the 4 year cycles. Don't expect to get rich quick. See it more as a 401k long term retirement account. Most importantly, in Crypto, don't trust anyone. Assume everyone is a scammer, even online friends you don't know in person. Be very careful out there. Good luck!!

LogrisTheBard

Hard to say without knowing your jurisdiction. I recommend trying Monereum if you're in the Euro zone. Your Paypal account should have an ACH account and routing number associated with it, so almost any exchange will support withdrawal to it.

OprahsScaleBroke

Polkadot ⭕️ and Alchemy Pay (ACH) 💰💲👨‍🚀🚀

Cryptocaller

Haha, your lies just keep getting worse. Who cares if you’re up personally? I bought XRP at .17 cents…Echo cares, it’s crap. How about you defending some of your main talking points instead of just blathering on? Brad himself said that he could see Ripple LLC, ie: XRP as a replacement for SWIFT/ACH. “Not an American based crypto” is unprovable. But why does that even matter? Are you some type of neo-nazi? No one cares about the founding country of origin of any crypto. “No creator”. Well then how does it exist if no one created it? You simply don’t know who they are and your perspective that this is a bad thing is ideologically flawed. They/them created Bitcoin and then walked away with zero profit. Brad on the other hand “minted” out of thin air 100,000,000,000 Billion tokens and proceeds to sell millions them every year and the only person that benefits from those sales is him. “And it’s connected to Tether” Oh yeah? How exactly? “All signs point to it going straight to zero” Now you’re just clowning around. Nothing points to the number one crypto currency in history over the past 16 years as “going to zero”. I would like to hear your opinion but you are an absolute moron and so I’ll simply say good luck in life because you’re going to really need it.

Cryptocaller

You’re so funny. Regardless of your investment staring point, BTC will always be a better investment. Do you even understand the functionality of XRP? They’re trying to replace SWIFT/ACH as a transactional token. Where’s the store of value in micro transactions? You have no clue what you’re even talking about. You’ve been sold on the memes of XRP. You will 100% lose all of your money.

cyger

Well I would happy to pay with USDC. Now i need to send my USDC to an exchange and then perhaps trade that to USD, then withdraw it to my bank account, and finally send it to the IRS etc via ACH transfer.

Aldhyabi

ACH : Lack of transparency on team allocation, ATH : Lack of transparency on team allocation and tokenomics. Crypto is about transparency ,

Western-King-6386

Thank you. DCA, keep enough cash on hand for expenses that might pop up and need to be paid in less time than an ACH can process. That's it. If you want to hold more cash for short term trading other things, cool. But DCAing with BTC is basically stress free and comfy. It also gets you thinking more in terms of how many sats you've got instead of how much your BTC is worth, which is what will really matter in the long term.

Roundabout777

It’s like hitting a fly on a cows ass with a banjo at the moment, pretty much bottomed out, if you miss, you would be unlucky. If you’re in for 1-4 years, I doubt you would miss. BTC, XRP, ETH… quite obviously solid. SWFT, ACH, XCN … new kids on the block with good potential and proved so. DOT, LINK, ADA, SUI … all low priced with potential for solid growth. ONDO… think this will shoot one day. Good to see you choose to avoid meme coins, heed your own advice there!

Cryptocaller

That’s not true. Chase still allows ACH transfers directly from your account to Coinbase I do it all of the time. However, you cannot use their credit card on Coinbase without the charge counting as a cash advance incurring a crazy APR of like 29%.

freakythrowaway79

I've been waiting for HBAR to become available on Kraken. Do you think this will happen anytime soon? ACH (ALCHEMYPAY) just joined forces with Hedera's HBAR. Any thoughts or insight on them linking together?

Square-Tomorrow-3500

ETH, ACH and LTC... ACH can be changed with XMR

PsychologicalGood922

Xrp, XLM, Hbar, ACH. These will be money. XCN for the wildcard, BTC, SOL and ADA for the slower and most reliable growth. Fuck the meme coins.

2peg2city

do you have any KYC'd accounts anywhere? Gemini, Kraken and Coinbase all do ACH transfers, or they will send to paypal so you can send to your bank. If you have not KYC'd anywhere, that would be next step. No idea how much you have, so depending on that they might want to hold it for a bit. Never hurts to contact their support and explain your plan to see what they think.

Dhaupin

Yeah totally agree. If it's not the next "internet", it's for sure the next "banking". The concept of a modern/cheap/instant replacement for SWIFT and ACH is far too alluring. The big money is there, it's just waiting on the sidelines until crypto either gets it's shit together, or faces a reckoning moment like dotcom to weed out the trash/vapor. Coinbase is good, but they're kinda expensive for day to day use. Depending on where you are located, there are cheaper CEX for "etc", and you can still use coinbase like a mothership. You're on the def right track with wallets. Look into wrapped tokens and derivatives (synthetic assets) to get exposure to other chains/markets without fragmenting yourself too much (wallet sanity lol). Always remember though, your trade for self custody doesn't give inherent security. You can still be exposed to "liquidity runs" and network fails, and honestly you're way more exposed to scams and fake apps. Be careful

Lexsteel11

Digital currency has been inevitable for a while. It’s an economic arms race because of china achieves programmable money to eliminate systems like SWIFT and ACH while being able to audit all taxation via blockchain crawlers with no data silos, the US will have no choice.

Embarrassed_Tie_8020

ACH

Proper_Bite_5022

$ACH

Born_Acanthisitta395

I totally get where you’re coming from, and I think crypto has a lot of strengths for long-term holders like yourself. But one of the biggest hurdles for mass adoption right now is usability. Newcomers see these long, cryptic wallet addresses and hear that if they send funds to the wrong one, it’s gone forever. That’s a major barrier. Right now, crypto is basically at the “wire transfer” stage—fast and powerful, but also high-risk for the average user. What it really needs is its version of ACH: a more user-friendly, reversible, and error-tolerant system. Something like human-readable wallet addresses, built-in safeguards for transactions, and a way to reverse accidental transfers would go a long way in making crypto more approachable. There’s some movement in this direction with things like ENS (Ethereum Name Service) and wallet recovery solutions, but it’s nowhere near the mainstream yet. Until crypto builds in these kinds of safeguards, it’s going to struggle to go beyond its current user base and become as intuitive as traditional finance.

Proper_Bite_5022

$ACH has great potential. Also at a sale price right now.

OneKitchen7441

We use layer 2 USD (ACH) and layer 3 USD (credit cards). Not sure why you think BTC can’t be used as a global currency. Lightning with splicing and aqua are layer 2 and yes they work.

OneKitchen7441

Layer 1 USD = FedWire Layer 2 USD = ACH Layer 3 USD = credit cards Layer 1 BTC = base chain Layer 2 BTC = Lightning with splicing/Aqua Layer 3 BTC = who knows??? We are early To say a decentralized, secure, permissionless, monetary network that incentivizes using cheap stranded/renewable energy has diminishing/no intrinsic value is ignorant. 14-16 million coins are held by plebs. Who cares what the price does in the short term? You buy and hold BTC.

freakythrowaway79

I watched & experienced the decline of paper checks in the early 00s until about 2010ish. ACH became the norm. I don't know that it will necessarily be BTC but the future payment will be some form of crypto. Kids yet to be born will learn in history class that we used paper money & metal coins as currency. They will all laugh when they learn we carried it around in our pockets & wallets. It's certainly not happening in my life time, no one knows for certain but eventually the system will be replaced by a micro chip or nano chip etc that has crypto loaded on it. You can say I watch too many sci-fi movies idc. It will just be more convenient & efficient.

Proper_Bite_5022

$ACH

OprahsScaleBroke

Polkadot ⭕️ and Alchemy Pay (ACH). 🚀🌙👨‍🚀💲💰

fan_of_hakiksexydays

Most exchanges let you buy even if your ACH hasn't completed. You just can't withdraw back out of the exchange until the whole process is complete.

OrganizationStrong81

ACH, PEPE, XTZ, DGB. Just a few I’ve been tracking. Check out GRASS if you’re a trading (highly risky) it’s rallying way ahead of everything I see personally.

devCheckingIn

What you can try is sending SOL from your wallet to the exchange (gas fees here) and then go into Advanced Trading and put in a sell limit order (post only) with the price you want. That can get you into USD with minimal fees (0.6% trading fee). Then ACH it to your bank account if you're willing to wait the 3-5 days.

devCheckingIn

Is this an ACH withdrawal to a bank? Did you convert to USD first?

FirstAmendmentIsDead

If you have a debit card you can do ACH transactions with any exchange. I like Strike, they let me withdraw to cold storage instantly, before my ACH deposit even fully clears.

Tropicthunder07

Made my 1st 3 purchases first week of Feb. 3 very small transactions all from same bank account matching my ID and personal info. Bought a Trezor cold wallet and tried to move my BTC offline and there it is... Coinbase placed a HOLD on my account for SEVEN WEEKS. Direct ACH transfer from my bank, withdrawals shown posted; yet i have to wait 7 WEEKS to move "MY" BTC?!?! NOT YOUR KEYS, NOT YOUR WALLET.

Proper_Bite_5022

Had to scroll way too long to finally see it mentioned. $ACH 🚀🚀🚀

JGNotorious

As of right now, capture the value. As time goes on, I’ll use it as a utility. Until then, I’m just trying to stack. My question is, I can’t move the bitcoin to my cold wallet until the funds settle given it is ACH?

chrisslugma

ACH

omg_its_dan

Use a wire transfer instead of ACH. Typically has much higher limits.

Show_Kitchen

So for small amounts, a Bitcoin ATM let you buy with cash. They're legit, but the fees can be ruff, so find a company with an ATM near you and follow their socials or newsletter to get discount codes. [coinatmradar.com](http://coinatmradar.com) or any other locator. If you want the lowest possible fees with some degree of protection and self-custody, look to an OTC or Trade Desk. The concept is that you're basically buying P2P from somebody with a lot of liquidity, so its all self-custodial - but there is usually a lot of red tape and you have to use ACH, Wire Transfer, or Interac if you're in Canada. [here's my bing search. yes I use bing and I like it.](https://www.bing.com/ck/a?!&&p=a5340dafa935fda55a66942eda0075d6ff0ccfe340250f757d40ebce550e0c7eJmltdHM9MTc0MDUyODAwMA&ptn=3&ver=2&hsh=4&fclid=3231ee01-c16f-68e9-37a6-fa32c0c76989&psq=coinflip+preferred&u=a1aHR0cHM6Ly9jb2luZmxpcC50ZWNoL290Yw&ntb=1) From my experience, if you have to jump through hoops then it is less likely to be a scam or have really high fees. The sites that take your money in 30 seconds or less always have something behind their back. The riskiest option is to straight up buy from a real person. I've done this before through my network, but I wouldn't recommend it unless you have crypto friends you can trust.

toomanyjackies

I literally went to the farmer’s market last week and one of the vendors was accepting bitcoin (among the usual payment methods) for pies. But also there’s Bitrefill gift cards and ways to pay credit card bills with sats via Bill pay features on apps like strike (sure it’s indirect rn bc it’s technically an automatic “sell + ACH transfer” but the whole “nobody takes bitcoin” argument gets weaker every year

Greenstoneranch

Now he locks funds via ACH holds and says that congestion is the reason I can't trade on coin base after he's assessed fees on said transaction

Roundabout777

Count yourself fortunate you didn’t invest ‘real’ money. You will hold your meme coins to zero as they are so low already. Throw £10 on SWFT, XCN, ACH and they will pay back within the week and cover all you losses.

Successful-Bird8775

There’s no such thing as truly “no fee” trading, if a platform claims that, they’re making money some other way, usually with bad spreads or hidden costs. That said, if you want to DCA without getting wrecked by fees, your best bet is using fee-less bank transfers (like ACH or SEPA) to on-ramp, then buying on a platform with low spreads. Kraken and Binance (if you still trust them) have low trading fees. For a more decentralized approach, consider using a non-CLOB system, where you avoid centralized order book manipulation. Some DEXs have near-zero fees, but you’ll still pay network gas. If you're stacking for the long term, focus more on self-custody and execution price rather than just chasing “zero fees.”