Block Inc.'s Cash App, the mobile payment service co-founded by Jack Dorsey, has announced a significant policy change aimed at making Bitcoin investment more accessible. Effective February 2026, the platform will no longer charge fees or spreads on two specific types of Bitcoin transactions: one-time purchases exceeding $2,000 and all automated, recurring buys.
The new fee structure is designed to cater to serious investors and institutions. For smaller, casual purchases under $2,000, the standard fees will still apply. This strategic move directly reduces the cost barrier for accumulating larger Bitcoin positions, making it cheaper for U.S. investors to buy and hold the cryptocurrency over time.
The announcement, shared with imagery of Jack Dorsey alongside Cash App's Bitcoin branding, underscores Dorsey's long-standing advocacy for Bitcoin. Since its inception in 2013, Cash App has processed over $20 billion in Bitcoin transactions. This policy shift continues Dorsey's stated mission of simplifying and reducing the cost of using Bitcoin.
Analysts suggest the update could have a dual impact. Firstly, it makes the platform more attractive for high-volume individual investors and dollar-cost averaging strategies. Secondly, and perhaps more significantly, it may help attract institutional investors and high-volume traders by lowering the friction and cost of entering sizable positions. This aligns with a broader industry trend of growing institutional interest in cryptocurrency, with Bitcoin as the primary beneficiary.
While the change benefits structured investment approaches, Cash App reminds users that Bitcoin's price remains volatile and that investment decisions should be made carefully. The overall goal is clear: to support wider Bitcoin adoption in the United States by lowering barriers for committed investors.
