Billz helps users pay real-world bills without selling their crypto.

Users can deposit supported crypto or stablecoins as collateral to:

• Access liquidity without directly selling their assets
• Pay real-world expenses such as invoices, rent, vendors, payroll, taxes or business costs
• Keep exposure to their crypto instead of liquidating
• Potentially allow treasury/yield strategies to help offset costs over time
• May help avoid or reduce taxable events compared to a direct crypto sale, depending on jurisdiction and tax situation

Billz is a crypto-backed payment and treasury execution platform that helps users pay real-world expenses without directly selling their crypto first. Users can deposit supported collateral, access liquidity, execute fiat payments, and keep their treasury exposed and potentially working through yield strategies over time.

Billz also offers lending/yield products:

• Up to 80% LTV, depending on asset and risk conditions
• 2%–15% borrowing APR, depending on market conditions
• Up to 10% APY potential yield strategies, where available
• Around 2.5% Billz payment execution fee
• EUR/SEPA payment workflows with USD/ACH

Billz positions itself with the following tagline: "Pay bills. Keep your crypto. Let your treasury keep working."

Billz tax positioning

Billz may help users avoid or reduce taxable events linked to selling assets, depending on the user’s jurisdiction, accounting treatment and personal tax situation. Billz does not provide tax advice and does not guarantee tax treatment. Users should consult their own tax/legal advisor.

Upcoming Billz card

Billz is also preparing a crypto card experience designed to let eligible users spend from their Billz treasury through supported card rails. The card is expected to enter beta in the coming weeks, subject to issuer/provider readiness, compliance checks, supported countries and final product availability. This would extend Billz from treasury yield and crypto-backed liquidity into everyday crypto spending.