Lightning & Getting Paid

Self-custodial Lightning wallets and payment infrastructure for spending and earning bitcoin — including accepting payment on rails you own, with no processor between you and the customer.

4 tools · last updated 2026-06-12

Bitrefill

free

Bitrefill is an online store that sells gift cards, mobile top-ups, and prepaid services for Bitcoin and Lightning, making it a practical bridge between holding Bitcoin and paying for groceries, fuel, or travel. It is a regular company, not sovereign infrastructure: you trust it to deliver what you paid for, so treat it as a spending tool rather than a place to park value.

Rung 4 · Operate/ Money Trusted third party

Blixt

free · open source

Blixt is a mobile wallet that runs a full Lightning node directly on your phone rather than outsourcing channel management to a company. That makes it sovereignty at the smallest scale: you open your own channels and route your own payments. The tradeoff is that you handle channel management yourself, which takes more learning than managed wallets like Phoenix.

Rung 4 · Operate/ Money Trustless

BTCPay Server

free · open source

BTCPay Server is a self-hosted payment processor that lets any business accept Bitcoin on-chain or over Lightning with no fees and no middleman. Unlike Stripe or a hosted crypto processor, nobody can freeze your account or censor a payment, because the whole stack runs on your own server. You take on hosting and maintenance, which is real work for a small operation.

Rung 4 · Operate/ Money Trustless

Phoenix Wallet

free · open source

Phoenix is a self-custodial Lightning wallet for iOS and Android made by ACINQ. You hold the keys; the app manages payment channels for you, with automatic on-chain fallback when needed. That convenience means ACINQ's infrastructure sits in the loop and channel-management fees apply, but for everyday Lightning spending it is the friendliest self-custodial option available.

Rung 4 · Operate/ Money Trust-minimized