A Bitcoin and Lightning wallet (android and iOS) enabling users to send and receive money instantly with very low fees – including micropayments and over-the-counter payments. Merchants use BVLT via integrating their existing Point-of-Sale to BVLT app and/or through BVLT app directly and accept lightning-fast transactions from customers globally, significantly lowering their transaction fees. Affiliated merchants and consumers also benefit from the loyalty and gamification features of the wallet with the merchants being able to create their loyalty and gamification campaigns and the consumers by earning discounts and kickbacks from their everyday purchases.