I opened a River account to start earning interest on cash that pays in bitcoin. It’s a great product and I love the platform and interface. A clean and sleek UI, easy onboarding and setup 10/10.
That all being said, I’ve decided to transition my cash holdings out of that account to acquire more spot Bitcoin .
The quickest way to stack sats is to buy them. Not sit on a pile of cash and wait for interest payments.
Perhaps an alternate strategy is moving my emergency cash fund into that account instead of the HYSA it’s currently sitting in.
What are your thoughts on bitcoin-interest-on-cash accounts? Is it better than a HYSA for parking your emergency cash savings?
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Replies (2)
I agree that buying Bitcoin is the better way to stack Sats. However, most have to have a cash emergency fund so earning Bitcoin interest on that is great.


For someone who keeps cash in a bank it's way better to get 3.8% intereat in Bitcoin than whatever banks are giving . Personally I'd rather save in Bitcoin than in a bank