MoonPay powers instant Apple Pay onboarding in Bread

We're excited to announce that Bread has integrated MoonPay Headless Ramps.

Bread is the first agentic neobank built on Bitcoin. Users can hold cash, earn up to 11% APY paid in Bitcoin, and let AI move money on their behalf. It brings Bitcoin-backed finance into a single, intuitive app designed to make managing money feel effortless.

With this integration, Bread owns the entire checkout experience while MoonPay runs the payment rails and identity verification underneath. Users buy crypto natively inside Bread using Apple Pay, Google Pay, cards, and more. There is no widget and no redirect. MoonPay's regulated infrastructure runs invisibly beneath the brand, so the flow looks and feels like a native part of the app.

The onboarding experience is nearly instant. Apple Pay is now fully embedded inside Bread, so verified users can move from dollars in their bank account to Bitcoin in a single tap. There is no separate page and no re-authentication. For new users, a lightweight onboarding frame opens inline within the app. Once that flow is complete, every future purchase is frictionless.

This matters because the first few minutes inside an app decide whether someone stays. By making the funding experience feel native, Bread removes the friction that usually stands between a new user and their first purchase. The result is faster onboarding, fewer drop-offs, and a smoother path into Bitcoin-backed finance.

"MoonPay has been a fantastic partner as we've worked to drastically improve the onboarding flow into Bread. Going from dollars in your bank account to Bitcoin-backed finance inside Bread through Apple Pay should feel instant, clean, and obvious. Their new headless API helps us make that experience feel native," said Ben Honig, CEO of Bread.

"The best payment experience is one the user never notices," said Ivan Soto-Wright, Co-Founder and CEO of MoonPay. "Bread is building a modern home for Bitcoin, and Headless Ramps let them deliver a buying experience that feels entirely their own while MoonPay powers everything behind the scenes. This is what infrastructure should look like. Invisible, instant, and built for the user."

MoonPay Headless Ramps are live in Bread today. To start buying crypto in seconds, download or update the Bread app.