Bitcoin-Only Exchanges & DCA Apps in the US
Bitcoin-only brokers sell one asset and are built around recurring buys and withdrawal to self-custody. In the US the main options are River, Swan Bitcoin, Strike, and Fold. Fees for recurring buys range from zero (River after a first order) to about 1%. River and Swan do not serve New York. Bull Bitcoin is Canadian and not available to US residents. Last verified September 2026. Listings are neutral and unranked; not financial advice.
Bitcoin-only brokers: 5 listings
- River — Bitcoin-only brokerage with zero-fee recurring buys, Lightning, interest on cash balances, and a strong business account. custodial, Bitcoin-only, Lightning. Pricing: Recurring buys 0% (after first purchase); one-time buys tiered. US availability: Not available to residents of New York or Nevada.
- Swan Bitcoin — Bitcoin-only savings platform with auto-withdrawal to your own wallet, IRA, private client desk, and education. custodial, Bitcoin-only. Pricing: ~0.99% per purchase. US availability: Most states.
- Strike — Bitcoin and Lightning payments app with recurring buys, dollar-cost averaging, and Bitcoin-backed loans. custodial, Bitcoin-only, Lightning. Pricing: Tiered, roughly 0.3–1% depending on monthly volume. US availability: Available in all US states; lending availability varies.
- Fold — Bitcoin rewards debit and credit cards plus buying and a checking-style account. Public company (FLD). custodial, Bitcoin-only. Pricing: Buy fee depends on plan; card rewards paid in sats. US availability: US only.
- Bull Bitcoin — Non-custodial Bitcoin-only exchange popular in Canada and Europe. Listed for reference only. non-custodial, Bitcoin-only. US availability: Not available to US residents.
Frequently asked questions
Why choose a Bitcoin-only broker over Coinbase?
Bitcoin-only brokers remove altcoin marketing, make auto-withdrawal to your own wallet the default, and often charge less for recurring buys. The trade-off is fewer features for active traders and, for River and Swan, no service in New York.
What is the cheapest way to dollar-cost average into Bitcoin?
River charges 0% on recurring buys after your first order, and Strike drops below 0.5% at higher monthly volume. Swan charges about 0.99%. Compare against exchange simple-buy spreads of 1% to 1.5%. Model your plan with the free BitStack DCA calculator.
Can I use River or Swan in New York?
No. River excludes New York and Nevada residents, and Swan does not onboard New York residents. Strike, Cash App, Gemini, and Coinbase are the usual Bitcoin on-ramps for New Yorkers.
Links
Interactive directory: enable JavaScript or open trybitstack.com.