How to convert Bitcoin to cash

1. Lightning off-ramp: Lightning Pay → bank in minutes.
2. Centralized exchange: sell BTC → withdraw via ACH/SEPA.
3. Bitcoin ATM: physical cash, high fees.
4. P2P marketplace: Bisq, Robosats, Hodl Hodl.
5. Bitcoin debit card: spend or ATM-withdraw at point-of-sale rate.

Use a Bitcoin ATM via CoinATMRadar. Expect 8–15% fees and ID for amounts > $1k. For larger amounts, a Lightning off-ramp to your bank followed by an ATM withdrawal at your normal bank is far cheaper.

Lightning Pay's built-in off-ramp is the fastest non-custodial path: minutes, ~1.5% all-in, no exchange account required. Exchange ACH is cheaper if you can wait a few days.

Converting BTC to cash is a taxable event in most jurisdictions. Track every conversion with the Lightning Pay Tax Assistant — FIFO or HIFO, exportable to Koinly, CoinTracker, and accountant-friendly CSV.

1. Install Lightning Pay Wallet (macOS, Windows, Linux).
2. Generate a wallet and back up the 12-word seed phrase offline.
3. Send the BTC you want to convert into the wallet (or already have it there).
4. Tap Withdraw → Bank, choose currency and rail, enter bank details.
5. Confirm. Lightning Pay quotes the all-in cost (0.5% network/withdrawal + partner spread) before broadcast.
6. Fiat lands in your bank within seconds on instant rails — full receipt recorded in the Tax Assistant.