BitPay

BitPay is a cryptocurrency platform that provides tools for individuals and businesses to manage, buy, sell, swap, and spend various crypto assets. It offers a self-custody wallet and solutions for accepting crypto payments, buying gift cards with crypto, and paying bills using cryptocurrency, including a feature to borrow against crypto holdings for spending.

BitPay offers a crypto app that allows users to buy, store, swap, sell, and spend crypto assets, including Bitcoin. They also emphasize security features. However, they do not offer traditional P2P transfers, a prepaid debit card (though they mention a 'BitPay Card' for spending crypto like cash, it's not explicitly a Visa/Mastercard prepaid debit card in the same vein as Cash App's), early direct deposit, or commission-free stock trading. Their 'HODL Pay' feature allows spending crypto without selling it by borrowing against it, which is a different mechanism than direct spending from a balance or a traditional prepaid card.