BTCNow Announces 60-Month Fixed-Price Bitcoin Payment Plan

BTCNow announced its launch on 28 September 2026 with a pay-over-time model for Bitcoin ownership. According to the release, customers lock in a Bitcoin purchase at a fixed price. Customers then spread the cost across 60 fixed monthly payments instead of paying the full amount upfront. The company BTCNow says the Bitcoin is held in trust until fully paid for, with custody provided by BitGo. The release compares the model with leveraged trading and dollar-cost averaging, and outlines a planned U.S.-wide rollout.

How the BTCNow Payment Model Works

The release describes the model in three parts:

• Fixed purchase price: According to BTCNow, the price of the Bitcoin purchase is fixed. The amount a customer agrees to pay for the Bitcoin does not change as Bitcoin’s price moves during the payment period.

• 60 fixed monthly payments: The customer pays for the Bitcoin purchase across 60 fixed monthly payments. Founder and CEO Marc Dumpff described the term as spreading “the payments over five years.”

• Held in trust: The company says the Bitcoin is held in trust until the customer has fully paid for it, with custody provided by BitGo.

The release describes the approach as taking the basic idea behind pay-over-time and applying it to Bitcoin. That idea is securing a purchase upfront while spreading the payments across time.

How BTCNow Differs From Leveraged Trading and Dollar-Cost Averaging

According to the release, BTCNow’s pay-over-time model differs from two existing approaches:

• Leveraged trading: According to the company, BTCNow customers are not exposed to margin calls or forced liquidations caused by short-term movements in Bitcoin’s market price, unlike users of leveraged trading products.

• Dollar-cost averaging: The release describes DCA as a series of Bitcoin purchases made at whatever the prevailing market price happens to be. According to BTCNow, the customer’s Bitcoin purchase and the price of that purchase are fixed at the start, while the customer’s payments are distributed across the following 60 months.

According to the release, the result is that customers know the purchase price from the beginning. They are not accumulating Bitcoin at different prices each month.

Dumpff said pay-over-time “has changed how people think about paying for everything from electronics to travel,” while Bitcoin ownership “has largely remained an all-or-nothing purchase.” Dumpff added: “The price is fixed, the payments are predictable and customers don’t have to worry about a market drop triggering a margin call or liquidation.”

Where BTCNow Positions Itself

The release frames the launch around how consumers currently buy Bitcoin:

• Existing routes: According to the release, the ways consumers acquire Bitcoin remain largely concentrated around direct purchases, exchange-traded products and trading platforms.

• Target customer: The company says pay-over-time represents another potential route into Bitcoin ownership. It is aimed particularly at consumers who want to build a long-term position but may not want to commit a large amount of capital at once.

Founder Background

The release attributes the following record to Dumpff:

• Experience: More than 17 years across regulated fund management, financial infrastructure and international capital markets.

• Liechtenstein fund: In his early twenties, Dumpff founded a regulated investment fund in Liechtenstein under the supervision of the Financial Market Authority (FMA).

• Satori Group: As Chairman of Satori Group, he helped build the Hong Kong company to more than HK$1 billion in paid-up share capital within six months, according to the release.

• BTCNow design: He designed the company’s institutional fund structure, regulatory strategy, automated capital allocation model and planned 50-state U.S. rollout.

According to the release, Dumpff’s background in traditional financial markets shaped BTCNow’s approach. The consumer proposition is described as intentionally straightforward, with the infrastructure behind it drawing on more than a decade of his experience structuring financial products.

Rollout Plans

BTCNow says it plans a U.S.-wide rollout as it builds out the platform. The release places the rollout “over the coming months” without specific dates or a state-by-state schedule. The company links the plan to Dumpff’s focus on combining a simple consumer proposition with the financial infrastructure expected of more established financial products. The release directs readers to btcnow.com for more information.

Want to build a Bitcoin position with a clearer strategy? Get the Coinjuice ebook and join Coinjuice PRO for private research, market analysis and ongoing coverage of Bitcoin ownership products.