Cash App, Block's mobile payment platform (formerly Square), has announced its most significant update to date with over 150 improvements and 11 major new features. This "Cash App Fall Release" marks a strategic turning point for the application that serves millions of users across the United States.
Cash App Releases 001.
— OBJ (@owenbjennings) November 13, 2025
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Bitcoin Becomes Everyday Money
One of the most significant announcements concerns the deep integration of Bitcoin into the Cash App ecosystem. After Square enabled its merchants to accept Bitcoin via the Lightning Network, Cash App takes the next step by allowing users to spend their bitcoin locally and make instant payments.
Pay with Bitcoin Without Spending Your Bitcoin
The most innovative feature allows eligible users to pay with Bitcoin while using their US dollar balance. Thanks to the Lightning Network, customers can scan a Lightning QR code and choose to pay in USD. The transaction occurs instantly and without fees, without the user needing to hold or spend actual Bitcoin.
This innovation addresses a major problem: enabling Bitcoin adoption as a payment method without exposing users to cryptocurrency volatility. As Strike highlighted in a tweet, "With Square & Cash App now doing the same, two financial institutions can settle instantly and cheaply, without banks or card networks. This is the power of Bitcoin and open networks."
Bitcoin Map: Find Businesses That Accept Bitcoin
Cash App is also launching an interactive map allowing users to discover nearby businesses accepting Bitcoin. This feature primarily targets businesses using Square, creating a closed ecosystem between Block's two products.
Users can locate a business, get directions, and pay directly from the app via the Lightning Network, significantly simplifying the use of Bitcoin as everyday currency.
Stablecoins Arrive on Cash App
Cash App is also taking the leap into stablecoins by soon allowing eligible users to send and receive stablecoins for the first time on the platform. This integration aligns with Block's strategy to provide "an easy bridge to move digital dollars."
Stablecoins—cryptocurrencies pegged to the US dollar—offer blockchain advantages (speed, low transaction costs) without Bitcoin's volatility. This feature positions Cash App as a major player in decentralized finance (DeFi) accessible to the general public.
Moneybot: AI-Powered Financial Assistant
Cash App introduces Moneybot, an intelligent financial assistant using artificial intelligence to offer personalized advice. With 6 in 10 Americans using AI tools and 73% of them using AI tools at least weekly, Cash App responds to this growing demand for automation.
Moneybot can:
- Answer questions about features and transactions
- Analyze spending habits and monthly income
- Suggest personalized savings amounts
- Propose actions based on user financial activity
"Consumers today are given a host of data around their financial transactions and account balances, but Moneybot takes it a step further by helping to turn those insights into action," explains Cameron Worboys, Head of Product Design at Cash App. "We've built Moneybot to learn each customer's habits and tailor its suggestions in real-time."
The assistant is currently available to a select group of customers and will roll out more broadly in the coming months.
Cash App Green: Reimagining Banking Benefits
Recognizing that nearly 40% of Cash App customers don't receive income via direct deposit, the platform launches Cash App Green, a reimagined and more flexible benefits program.
Users can now access premium benefits in two ways:
- Spending $500 or more per month through Cash App Card or Cash App Pay
- Making $300 in qualifying deposits per month
More than 8 million active users will now have access to banking benefits including:
- No in-network ATM fees
- Priority Phone Support
- Higher Borrow limits
- Free overdraft coverage
- Weekly personalized discounts
- Higher interest rates on savings balances
Expanding Access to Credit
Cash App is also expanding its credit offering with an innovative approach that doesn't rely on traditional credit scores. Instead, the platform analyzes near real-time current financial behaviors like cash flow patterns, spending habits, and payment consistency.
Cash App Borrow is now available in 48 states, allowing first-time borrowers to access up to $500 without credit checks, compounding interest, or compounding late fees. Remarkably, 70% of Cash App Borrow actives have credit scores below 580, yet the product maintains repayment rates above 97%.
Additionally, Afterpay features are now integrated directly into Cash App, eliminating the need for a separate app or login.
Security and Teen Protection
Security remains a top priority with multiple layers of protection:
- Machine learning systems analyzing real-time data
- Payment warning feature that has prevented over $2 billion in potential peer-to-peer payment scams since August 2020
- Over $8 million reimbursed to more than 80,000 people in 2024
For teens, Cash App now offers an interest rate of up to 3.5% APY on savings balances for Sponsored Accounts (ages 13-17)—one of the most competitive rates available to teens in the US. Parental controls have also been enhanced with spending limits, approved contact lists, and instant notifications.
A Major Transformation
"The way people earn and manage money has fundamentally shifted, and traditional financial institutions haven't kept up to meet their needs," says Owen Jennings, Executive Officer and Business Lead at Block. "At Cash App, we're hyper-focused on building a platform that reflects how customers are actually participating in the economy today."
This massive update positions Cash App as a key player in American fintech, integrating cryptocurrencies, artificial intelligence, and flexible banking services into a single application. With 126 million Americans now generating income from multiple sources (gig work, content creation, hourly jobs), Cash App adapts to this new economic reality.
The convergence between Square (for merchants) and Cash App (for consumers) creates a complete ecosystem where Bitcoin and blockchain technologies can finally be used as true everyday payment methods, not just speculative assets.
The Lightning Network Ecosystem Grows
The timing of these announcements is significant. Strike, a Bitcoin Lightning Network payment processor, recently highlighted how Square and Cash App's adoption creates a powerful network effect: "two financial institutions can settle instantly and cheaply, without banks or card networks."
This infrastructure represents a fundamental shift in how money moves. By leveraging the Lightning Network—Bitcoin's layer-2 scaling solution—Cash App enables instant, nearly free transactions that bypass traditional financial intermediaries. For the first time, a mainstream payment app with millions of users is making Bitcoin payments as simple as scanning a QR code.
Stablecoins: Bridging Traditional and Digital Finance
The upcoming stablecoin integration addresses another critical use case. While Bitcoin offers an open protocol for money, stablecoins provide price stability that makes them practical for everyday transactions and remittances. Cash App's entry into stablecoins could significantly accelerate adoption of digital dollars, particularly for:
- Cross-border payments and remittances
- Peer-to-peer payments with blockchain speed
- Access to DeFi services for mainstream users
- Protection against inflation in unstable currencies
The AI Revolution in Personal Finance
Moneybot represents Cash App's bet on AI-powered financial management. Unlike generic budgeting apps, Moneybot learns from actual Cash App activity—spending patterns, income streams, savings goals, and investment behavior—to provide contextualized advice.
The assistant maintains user control while offering automation: customers can ask questions like "can you show me my monthly income, expenses, and spending patterns?" and receive personalized insights with actionable suggestions. This approach transforms raw transaction data into financial intelligence.
Addressing Financial Inclusion
Cash App's credit expansion through Borrow demonstrates an alternative approach to traditional credit scoring. By using real-time data analysis instead of outdated credit histories, the platform serves millions of Americans excluded from traditional credit systems. The 97% repayment rate among users with credit scores below 580 validates this model.
Similarly, Cash App Green's flexible qualification criteria acknowledge how modern Americans actually earn money—through multiple income streams, gig platforms, and variable payment schedules rather than single-employer direct deposit.
What This Means for Fintech
Cash App's Fall Release signals several industry trends:
- Crypto Goes Mainstream: Bitcoin and stablecoins are becoming integrated features in consumer apps, not standalone products
- AI-Powered Finance: Personalized financial assistants will become standard in banking apps
- Flexible Banking: Traditional direct deposit requirements are giving way to spending-based benefit programs
- Lightning Network Adoption: Major payment processors are building on Bitcoin's layer-2 infrastructure
- Alternative Credit: Real-time behavioral data is replacing traditional credit scores
Looking Ahead
Cash App plans to transform its interface over time as Moneybot becomes more capable. The current pilot is "the first step toward an AI-powered Cash App," suggesting more autonomous financial management features ahead.
The stablecoin rollout will also be closely watched. If Cash App successfully onboards millions of users to stablecoin payments, it could accelerate the shift from traditional banking rails to blockchain-based infrastructure.
With over 150 improvements rolled out simultaneously, Cash App is betting that the future of money is digital, decentralized, and AI-assisted. The platform's convergence with Square's merchant ecosystem creates unique opportunities for closed-loop payments—where both consumers and businesses operate on the same Bitcoin and stablecoin infrastructure.
For Block, this represents the culmination of years of Bitcoin investment and product development. As CEO Jack Dorsey has long advocated, Bitcoin should be more than an investment—it should be money you can actually use. With these updates, that vision moves significantly closer to reality.
About Cash App Cash App is a financial services platform developed by Block, Inc. (formerly Square). Launched in 2013, it allows users to send and receive money, invest in stocks and Bitcoin, and access banking services through the Cash App Card.