Ready: Earn on Bitcoin & USDC is a crypto finance app and self-custody wallet designed to help users store, spend, earn, and grow cryptocurrency—especially Bitcoin and USDC—all within one platform. It was originally known as Argent, a well-established crypto wallet, but rebranded to Ready in 2025 with a renewed focus on everyday usability and financial empowerment. The app aims to be an “on-chain alternative to a bank,” giving users control over their own assets while offering tools for yield, spending, and investing directly from the wallet.
At its core, Ready’s main function is to provide a secure and user-friendly environment where users can earn yield on their crypto assets (like Bitcoin and USDC), spend crypto through a linked debit card with perks such as cashback, and manage digital funds without surrendering control to a third party. As a self-custody solution, users maintain full ownership of their private keys and funds, meaning Ready does not hold users’ crypto for them.
App Overview:
• Name: Ready
• App Version: 5.5.1.11098
• Released Date: October 30, 2018
• Download Size: 87 MB
• Device Compatibility: Android 9.0 up
• Developer: Argent Labs
• Website: Ready.io
Features of the Ready App:
1. Self-Custody Wallet Control:
Ready operates as a self-custody crypto wallet, meaning users have full ownership of their funds and private keys. Unlike centralized platforms, Ready does not store or control user assets. This setup significantly reduces the risk of fund seizure or platform-related losses, giving users complete independence over their crypto.
2. Earn Yield on Bitcoin & USDC:
One of the biggest attractions of the Ready app is its earning feature, which allows users to generate passive income from their crypto holdings. Through on-chain earning mechanisms, users can earn yield on supported assets such as Bitcoin (via wrapped BTC), USDC stablecoin, and other cryptocurrencies like Ethereum. The process is designed to be simple and flexible, enabling users to grow their digital assets without dealing with complicated setups, long-term commitments, or restrictive lock-in periods.
3. Crypto Debit Card for Spending:
Ready offers a Mastercard-powered crypto debit card that makes it easy for users to spend their cryptocurrency in everyday life. With the card, users can pay using USDC at any location where Mastercard is accepted, both locally and internationally, without worrying about foreign exchange fees. The card also comes with cashback rewards, often paid in STRK tokens, adding extra value to everyday spending. Depending on the user’s preference, the card is available in Lite and Metal versions, each offering different levels of rewards and benefits, effectively bridging the gap between digital assets and real-world payments.
4. In-App Token Swaps:
Users can swap cryptocurrencies directly within the app without relying on external exchanges. Ready integrates decentralized exchange technology to allow quick and seamless conversions between supported tokens, helping users manage and rebalance their portfolios efficiently.
5. Borrow Against Bitcoin:
Ready allows users to borrow USDC using Bitcoin as collateral, enabling them to access liquidity without selling their BTC. This feature is useful for users who want to spend or invest while still holding their Bitcoin for potential long-term growth.
6. Easy Funding & Transfers:
The Ready app supports seamless crypto transfers from external wallets, allows users to fund their accounts through fiat on-ramping with supported payment partners, and enables the bridging of assets into compatible networks. These options make funding and managing an account straightforward, whether for beginners just getting started or experienced users handling more advanced crypto transactions.
7. Strong Security & User Protection:
Security is a major focus of the Ready app, which employs smart contracts with a proven track record to safeguard users’ funds. The platform provides real-time alerts for any suspicious activity and allows users to freeze their debit cards instantly if needed. In addition, human customer support is readily available to assist with any issues, ensuring that users can confidently use the app’s financial tools while keeping their assets protected.
8. Clean Interface & Accessibility:
Ready features a modern, beginner-friendly mobile interface that simplifies complex crypto actions. Portfolio tracking, rewards monitoring, and transaction history are all accessible from a single dashboard, making the app suitable for both new and advanced users.
Is Ready: Earn on Bitcoin & USDC Legit or Scam?
Based on our research, Ready: Earn on Bitcoin & USDC is a legitimate app and not a scam. The platform has been operational since its earlier iteration as Argent and has built a strong reputation in the crypto space. It is backed by trusted smart contracts used by major exchanges and integrates security measures like self-custody wallets, real-time fraud alerts, and instant card freezing. Users maintain full control of their funds, which adds an extra layer of trust. Reviews and feedback from the crypto community support its legitimacy, confirming that Ready is a reliable platform for earning, spending, and managing cryptocurrency.
Advantages and Disadvantages of Ready: Earn on Bitcoin & USDC:
Ready offers a unique blend of crypto earning, spending, and management features, but like any platform, it has its strengths and limitations.
On the advantages side, Ready provides full self-custody, meaning users maintain complete control over their crypto assets. Its earning feature allows passive growth on Bitcoin, USDC, and other supported tokens without complex setups or long lock-in periods. The crypto debit card makes it easy to spend digital assets in the real world, often with cashback rewards paid in STRK tokens, bridging the gap between crypto and everyday payments. Additionally, features like borrowing against Bitcoin, in-app token swaps, seamless funding options, and strong security measures make it versatile for both beginners and advanced users. The app’s modern, intuitive interface further simplifies crypto management, making it accessible for a wide range of users.
However, there are some disadvantages to consider. Ready is primarily mobile-based, which might limit accessibility for users who prefer desktop platforms. Some features, such as borrowing against Bitcoin or earning higher yields, may require a certain level of crypto knowledge, which could be challenging for absolute beginners. The app’s advanced functionalities, while powerful, may also introduce minor complexities that take time to understand. Lastly, the availability of certain perks or high-yield programs can be limited based on geography or account type (Lite vs. Metal card).
Alternative to Ready: Earn on Bitcoin & USDC.
While Ready offers a solid mix of earning, spending, and self‑custody features, some users may want alternatives that either provide higher yields, broader support, or different types of earning and spending options. Here are a few noteworthy alternatives to consider:
Crypto.com is one of the most popular all‑in‑one crypto platforms, offering a wide range of services including high yield on deposits, flexible and fixed earning options, and a crypto debit card with competitive rewards. Users can earn significant interest rates on stablecoins like USDC and other assets, often higher than many competing platforms, and the ecosystem also includes trading, NFTs, and DeFi features.
Nexo is a well‑established crypto lending and earning platform that lets users earn interest on a variety of assets, including Bitcoin, ETH, and stablecoins like USDC. It is known for attractive APY rates, daily payouts, and robust security features, making it a strong choice for those whose priority is passive income from crypto holdings.
For users who want non‑custodial control plus integrated earning opportunities, Trust Wallet (backed by Binance) lets you stake and access DeFi yield farming directly from your wallet. While it doesn’t have a built‑in debit card, it’s a strong alternative for users focused on maximizing passive income from multiple blockchains.
Coinbase + Coinbase Card:
Coinbase offers a widely used wallet and exchange with educational earning programs and staking rewards. Its Coinbase Card provides cashback on spending in crypto, making it a convenient choice for users who already use Coinbase for trading and holding.
Fold focuses on Bitcoin rewards on everyday spending, combining a rewards app and debit card experience. Users can earn Bitcoin back on purchases, making it a good alternative for people primarily interested in accumulating BTC through normal spending.
Each of these alternatives brings its own strengths—whether it’s higher interest rates, broader asset support, or more established ecosystems—so the best choice depends on what you value most: yield, ease of use, card rewards, or non‑custodial control. That said, Ready still remains a competitive option for combining self‑custody with real‑world spending and passive earning.
Final Verdict on Ready: Earn on Bitcoin & USDC.
Overall, Ready: Earn on Bitcoin & USDC stands out as a legitimate and versatile crypto finance app that successfully blends earning, spending, and self‑custody into one user‑friendly platform. It offers more than just a wallet — with features like passive yield on Bitcoin and USDC, an intuitive mobile interface, a crypto‑linked debit card with real‑world spending capabilities, borrowing against Bitcoin, and in‑app token swaps, Ready provides both beginners and experienced users with meaningful ways to grow and manage their digital assets.
While it may not offer the absolute highest yields compared to some dedicated earning platforms, and some advanced features require a basic level of crypto understanding, Ready’s emphasis on security, control, and accessibility makes it a solid choice for anyone looking to bridge the gap between decentralized finance and everyday money use. Its self‑custody model ensures that users maintain control of their own funds, and the integration of real‑world spending tools like the Mastercard debit card adds practical value that many pure crypto wallets lack.
