A lot of people hold their first Bitcoin in Cash App without ever planning to — they bought a little out of curiosity, or someone sent them some. Sooner or later that BTC needs to go somewhere else: a private wallet, an exchange, or a merchant checkout like CryptoXTS. Cash App makes this straightforward once you know where the send flow lives, but a few details — the fee tiers, the address format, and a 2024 change that quietly broke the old way of doing it — trip people up. Here's the full process, plus exactly how to use it to pay a CryptoXTS invoice.
Cash App’s screens and fees can change. Treat the amounts and menu labels below as a practical guide, and always confirm what the app shows you before you send.
Before you send: what you'll need
- A Cash App account with your identity verified — Bitcoin sending requires your full name, date of birth, and the last four digits of your SSN (sometimes a photo ID too). This is a regulatory requirement, not optional.
- Enough BTC balance in the app to cover both the amount you're sending and the network fee.
- The recipient's actual Bitcoin wallet address or a Lightning invoice. Note: as of December 2024, Cash App no longer supports sending Bitcoin to someone's $cashtag — you need a real address now.
Step-by-step: sending Bitcoin from Cash App
- Open Cash App and tap the Bitcoin tile from the Money tab.
- Tap the send icon (the arrow/airplane icon on the Bitcoin screen).
- Enter the recipient's BTC wallet address, or scan it as a QR code — scanning is faster and avoids typos, which matter a lot with irreversible transactions.
- Enter the amount, either in BTC or in your local currency.
- Choose a withdrawal speed: Fast (~10 minutes), Medium (~2 hours), or Free (~24 hours, minimum $100 transfer).
- Review the address, amount, and total fee on the confirmation screen — carefully.
- Confirm with your PIN or biometric to send.
Bitcoin transactions can't be reversed once broadcast. Double-check the address on the confirmation screen character-by-character — or better, scan a QR code instead of typing anything.
Fees at a glance
| Speed | Typical arrival | Fee |
|---|---|---|
| Fast | ~10 minutes | Network fee + ~$1.00 |
| Medium | ~2 hours | Network fee + ~$0.50 |
| Free | ~24 hours | Network fee only ($100 minimum send) |
Cash App also supports the Lightning Network for near-instant, near-zero-fee transfers when the recipient can accept a Lightning invoice. That's worth knowing in general — but it doesn't apply to CryptoXTS checkout today, since CryptoXTS generates a standard on-chain BTC address rather than a Lightning invoice. Use the wallet-address flow above, not Lightning, when paying a CryptoXTS invoice.
Paying a CryptoXTS invoice with Cash App Bitcoin
If you're on the other side of this — a customer who needs to pay a CryptoXTS-powered checkout — the process plugs directly into the steps above:
- On the checkout page, select Bitcoin as the payment method and continue to the payment screen. You'll see a QR code, an exact BTC amount, and a destination address.
- In Cash App, start a Bitcoin send and scan the checkout QR code directly with your camera rather than retyping the address — it fills in the correct address automatically.
- Enter the exact BTC amount shown on the invoice, not a rounded figure and not the USD equivalent — exchange rates move, and the invoice is expecting that precise BTC amount.
- Choose Fast or Medium speed. This part matters more than it looks: CryptoXTS invoices expire 60 minutes after creation, and Cash App's Free tier can take up to 24 hours to arrive — a Free-speed send will very likely miss the payment window entirely.
- Confirm the send, then just leave the checkout tab open. It updates itself the moment the transaction is seen on-chain — Bitcoin invoices need 1 confirmation — no need to refresh or contact anyone.
Common mistakes to avoid
- Trying to send to a $cashtag. That option was removed in December 2024 — you need an actual wallet address now.
- Sending the wrong asset. Cash App only sends Bitcoin. It can't be used to pay an LTC or USDT invoice — you'd need a wallet or exchange that supports those directly.
- Rounding the amount. Always use the exact BTC figure the invoice shows, copied or scanned rather than retyped.
- Choosing Free speed against a time-limited invoice. It's fine for moving funds to your own wallet with no deadline — not for a 60-minute checkout window.
- Not double-checking the address. There's no chargeback or reversal on a completed Bitcoin transaction, on Cash App or anywhere else.
None of this requires much technical background — Cash App's send flow is only a few taps, and pairing it with a QR scan removes most of the room for error. The one habit worth building is checking the speed tier against however much time you actually have, especially when you're paying an invoice with a clock on it rather than just moving funds to your own wallet.