Cashapp alternativer: Sammenlign plattformer som ligner på Cashapp

Av Kraken Learn team
3 min
14. april 2026
Viktige punkter 🔑
  1. Cash App is a U.S.–based payments platform known for peer-to-peer transfers

  2. card services

  3. and mobile-first banking features. It has also introduced Bitcoin trading

  4. making it one of the first mainstream payment apps to integrate crypto.


Introduksjon til Cashapp alternativer 🔍

Founded in 2013 by Block, Inc. (formerly Square), Cash App has grown into one of the most popular mobile payment services in the U.S. It offers peer-to-peer transfers, debit card functionality, direct deposit, and Bitcoin trading.

Still, its crypto offering is limited to Bitcoin only, and it lacks advanced trading tools. Alternatives may provide support for multiple tokens, deeper liquidity, or integrated financial services with broader global reach.

1. Kraken

Kraken ble grunnlagt i 2011, og er et av verdens største og mest pålitelige navn innen krypto. Med hovedkontor i Cheyenne, Wyoming, betjener Kraken titalls millioner kunder i over 190 land.

Kraken tilbyr en komplett plattform for ulike kryptoprodukter og -tjenester. Enten du ønsker å kjøpe bitcoin, sjekke Solana (SOL) pris eller konvertere USD til ETH, gjør Kraken det enkelt å få tilgang til hundrevis av kryptovalutaer fra sin kjerne Kraken-app designet for hverdagsinvestorer, samt  Kraken Pro for avanserte tradere.  Kraken Institutional tilbyr også en komplett pakke med kryptoprodukter for investorer som krever premiumtjenester. 

 

Gjennom funksjoner som staking, margin, futures, og OTC-handel, tilbyr Kraken ulike måter å få eksponering mot verdens største kryptokategorier. Kraken lar også kunder i visse regioner få tilgang til opptil 11 000 amerikansk-noterte aksjer og xStock, samt muligheten til å sende og tjene på porteføljen din ved hjelp av Krak.

Alt støttet av sine globalt anerkjente sikkerhetsstandarder, var Kraken den første til å bane vei for Proof of Reserves og fortsetter å opprettholde en ny standard for åpenhet og ansvarlighet. Siden lanseringen for over 10 år siden, har Kraken-administrerte forvaltningslommebøker aldri blitt kompromittert.

Krakens anmeldelser viser at den appellerer til sikkerhetsbevisste investorer og avanserte tradere som verdsetter regulatorisk overholdelse, tilgjengelig kundestøtte og kraftige sikkerhetsfunksjoner som støtter deres handelsopplevelse. Som en av de eldste, mest pålitelige og beste kryptobørsene, har Kraken verktøyene og funksjonene du trenger for å utføre din kryptostrategi på dine egne premisser.

A bar chart showing the availability of cryptocurrency exchanges by country, with source and availability disclaimers.

2. PayPal

PayPal, founded in 1998, is a global digital payments company known for online shopping and secure transfers. More recently, it has added limited crypto services, allowing users to buy and sell a handful of tokens within its app.

Its focus remains payments first, with crypto positioned as an added feature. This makes PayPal appealing to those who already use it for transfers and business payments, though it is less suited for users who want advanced crypto access.


Fordeler:

  • Trusted global brand with decades of payments experience
  • Widely accepted for online shopping and peer-to-peer transfers
  • Simple to use for both individuals and businesses
  • Strong focus on buyer protection

Begrensninger:

  • Crypto services restricted to a small number of tokens
  • Limited withdrawal functionality for digital assets in some regions
  • No advanced trading features or tools
  • Primarily a payments provider, with crypto as a secondary feature

3. Venmo

Venmo, founded in 2009 and acquired by PayPal in 2014, is a payments app recognized for combining transfers with a social feed. Its features now include debit cards, installment payment options, and a small set of supported cryptocurrencies.

This makes Venmo appealing to users who want an easy, socially integrated way to manage payments and dabble in crypto, though it does not offer the depth or breadth of a dedicated exchange.


Fordeler:

  • Popular U.S. payments app with a social feed
  • Easy peer-to-peer transfers and debit card access
  • Integrated buy/sell functionality for select cryptocurrencies
  • Backed by PayPal’s trusted brand
  • User-friendly app design with strong adoption among younger users

Begrensninger:

  • Only a small number of crypto assets supported
  • No advanced trading tools or professional features
  • Limited to the U.S. market
  • Primarily a payments app with crypto as a secondary feature

4. Revolut

Revolut, founded in 2015, is a London-based fintech company that has grown into a global super-app. It combines payments, cards, transfers, savings, and investments, with crypto included as part of its wider financial services offering.

This hybrid positioning makes Revolut attractive to users who want the convenience of managing multiple aspects of their financial life in a single app, even though its crypto product is not as comprehensive as a dedicated exchange.


Fordeler:

  • All-in-one app covering payments, savings, and investments
  • Easy access to crypto trading within a familiar interface
  • Regulated entity with licenses in multiple jurisdictions
  • Simple and user-friendly experience for retail users
  • Broad international adoption and brand recognition

Begrensninger:

  • Limited crypto selection compared to dedicated exchanges
  • No advanced trading features such as margin or derivatives
  • Product availability varies by region due to regulations
  • Primarily a payments app, with crypto as an add-on service

5. Wise

Wise, founded in 2011 as TransferWise, built its reputation on transparent, low-cost international transfers. Today, it provides cross-border payments, business accounts, and multi-currency wallets, supporting millions of users worldwide.

The platform appeals to those who prioritize affordability and simplicity in payments, though it lacks crypto functionality or advanced financial features that some competitors now offer.


Fordeler:

  • Transparent, low-cost international transfers
  • Multi-currency accounts for individuals and businesses
  • Regulated financial service with a strong global reputation
  • Simple, easy-to-use mobile and web interface
  • Wide global network for cross-border payments

Begrensninger:

  • No crypto support or integration
  • Focused on payments and transfers with less investment features
  • Narrower product set compared to financial super-apps
  • Availability of certain services may vary by country

6. Zelle

Zelle, founded in 2017, is a payments platform backed by major U.S. banks. It is integrated directly into banking apps, allowing fast and free domestic transfers.

While effective for simple money movement, Zelle is limited to U.S. bank transfers and does not provide crypto or global services, positioning it as a utility for everyday payments rather than a multi-asset financial app.


Fordeler:

  • Integrated directly with major U.S. banks
  • Instant, free peer-to-peer transfers for domestic use
  • Wide adoption across millions of U.S. customers
  • Simple, user-friendly design for fast payments
  • Backed by trusted banking institutions

Begrensninger:

  • U.S.-only service with no international transfers
  • No crypto support or integration
  • Limited to bank-linked transfers, with no other financial features
  • Lacks advanced tools or investment products

Cashapp alternativer: Hva er konklusjonen? 🧩

Velg det beste stedet å kjøpe krypto 🔐

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