BTCNow Opened Access to Bitcoin Purchase Plan
The firm introduced a 60-month installment plan for cryptocurrency acquisition.
Updated on Oct. 1, 2026 in Investing
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BTCNow has launched a 60-month Bitcoin purchase plan allowing customers to pay in equal monthly installments starting at $50 with no down payment. The company locks in the purchase price at signup and holds the assets in a Delaware statutory trust until the plan is completed.
Why it matters
The program provides a long-term acquisition strategy for investors by fixing prices at the time of agreement rather than during future market fluctuations. By utilizing a statutory trust structure, the company holds the underlying Bitcoin until the final installment is paid.
The firm secured $1.125 million in funding from four investors during the first sale on May 19, 2026. Plans require 60 monthly payments, with a minimum commitment of $50 per month.
The players
BTCNow
BTCNow is a financial services company currently expanding its cryptocurrency acquisition offerings across the United States.
BitGo Trust Company
BitGo Trust Company is a regulated custodian that manages digital assets for institutional and enterprise clients.
Wilmington Trust
Wilmington Trust is a financial services firm that provides trustee and administrative services for complex corporate structures.
The details
Customers receive their Bitcoin in a BitGo wallet only after all 60 payments are finalized. While Wilmington Trust acts as the trustee and BitGo Trust Company as the custodian, the plan is not insured by the Federal Deposit Insurance Corp.
Timeline
May 19, 2026: The company recorded the first sale in the securities offering.
October 1, 2026: BTCNow opened early access to the new Bitcoin purchase plan.
Market Dynamics
This program aligns with the industry trend of simplifying long-term cryptocurrency accumulation for retail investors through structured financial products. It highlights a shift in market competition where firms use traditional trust structures to build credibility for digital assets.
Prospective participants should note that these assets are not insured by the Federal Deposit Insurance Corp, unlike standard bank deposits. Users must maintain a consistent payment schedule for 60 months to successfully receive their digital assets at the pre-locked price.
The takeaway
The installment model allows investors to secure a fixed purchase price, but it requires holding assets in a third-party trust for five years. Investors should carefully review the lack of federal deposit insurance before committing to long-term digital asset plans.
Further reading
For more on evolving financial products in the digital asset space, visit the Investing section.
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Is now a good time to commit to a multi-year fixed-price Bitcoin purchase plan?
