BTCNow Opened Access to Bitcoin Installment Plan

The firm now offers 60-month payment plans for Bitcoin purchases starting at $50 per month.

Updated on Oct. 1, 2026 in Investing

Isometric editorial illustration of a heavy metallic safety deposit box resting on a sparse architectural plinth, representing secure financial asset holding. — BTCNow has introduced a 60-month installment program that allows customers to acquire Bitcoin through recurring monthly payments held in a Delaware statutory trust. AI Illustration. Upload story photo >

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Is now a good time to commit to a multi-year fixed-price Bitcoin purchase plan?

BTCNow has launched an early access program allowing customers to pay for Bitcoin through 60 equal monthly installments. The plan locks in the purchase price at the time of signup and requires no initial down payment.

Why it matters

This installment model changes how individuals can allocate capital toward cryptocurrency by breaking total costs into smaller recurring payments. Because BTCNow holds the assets in trust until the final payment, the arrangement fundamentally alters the timing of asset ownership for participants.

The plan requires 60 monthly payments beginning at a $50 minimum, covering a total volume of $1.125 million in securities sold to four initial investors. As this is a new financial offering, the long-term impact on personal balance sheets compared to direct exchange purchases is unknown.

The players

BTCNow

A financial firm that offers Bitcoin purchase plans and holds digital assets in trust.

BitGo Trust Company

A regulated custodian providing wallet services and asset security for digital holdings.

Wilmington Trust

A financial services institution that acts as the trustee for the BTCNow statutory trust.

The details

Under this structure, BTCNow acquires Bitcoin before the customer completes their payments and holds the digital assets in a Delaware statutory trust. BitGo Trust Company acts as the custodian, while Wilmington Trust serves as the trustee during the repayment period. Once the final installment is paid, the Bitcoin is transferred to the customer's personal BitGo wallet.

May 19, 2026: The company completed its first sale of securities.
October 1, 2026: The company opened early access to the purchase plan.

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Money Landscape

This offering operates outside the scope of traditional banking protections like those provided by the Federal Deposit Insurance Corp. It represents a shift toward installment-based access to digital assets in a market that has historically required upfront, lump-sum capital commitments.

Participants can enter the market with $50 monthly outlays, but should note that assets remain held in trust until the 60-month term ends. Before committing to a multi-year installment contract, consult a qualified financial professional to review the risks associated with holding digital assets.

The takeaway

This program enables long-term accumulation of Bitcoin through consistent, small-dollar installments rather than a single large transaction. Prospective users should treat this as a multi-year contract and review their long-term liquidity needs with a professional before committing to monthly payments.