Strike, the Bitcoin-focused financial app founded by Jack Mallers, launched a new feature called Stacks on October 7, 2026. The feature gives users a filing system for their Bitcoin, letting them divide holdings into up to five named buckets inside a single account.

The design borrows from the old envelope method of household budgeting, a personal-finance staple that long predates Bitcoin apps. Rent money goes in one envelope, vacation money in another, and nobody accidentally spends the mortgage on concert tickets. Strike's version works the same way, except every envelope holds Bitcoin.

How Stacks Works

Users can create as many as five stacks, each with its own name. The concept centers on goal-based saving: one stack might be earmarked for a house down payment, for example, while another sits as a long-term reserve.

Moving Bitcoin between stacks costs nothing. Transfers between stacks and the main balance carry no fees and no limits.

There is one rule worth knowing. Bitcoin sent outside of Strike has to travel back to the main balance first.

Each stack can also run its own recurring purchase plan with no fee attached. Recurring purchases are a form of dollar-cost averaging, usually shortened to DCA. For the uninitiated, DCA means buying a fixed dollar amount on a regular schedule, regardless of price. Instead of trying to time the market, buyers purchase a little every week or month and let the averages work themselves out.

Strike already offered recurring buys before this launch. Stacks extends that capability by letting users attach a distinct plan, with its own savings goal and cycle, to each bucket. The house fund could run a weekly buy while the retirement stack follows a monthly one, with each bucket operating on its own schedule.

Cash balances stay separate from all of this. The stacks hold Bitcoin, while USD sits in its own lane.

The feature is available for both personal and business accounts. Strike says it covers every jurisdiction where the company operates.

A Second Launch on the Same Day

Stacks did not arrive alone. Strike paired the announcement with a new product called Bitcoin Interest on Cash. That offering provides a 3.6% yield on USD balances, with the yield converted to Bitcoin. In other words, dollar balances earn a return that shows up as Bitcoin rather than as more dollars.

Both launches live entirely inside Strike's own ecosystem. No third-party protocols or tokens are involved.

The Custody Picture

Stacks operates within Strike's custodial setup. That means Strike holds the Bitcoin on users' behalf, rather than users controlling their own private keys. According to the company, holdings stay in multi-signature cold storage. Multi-signature means several separate keys are required to authorize a transaction, so no single compromised key can move funds. Cold storage means those keys are kept offline, away from internet-connected systems that attackers typically target.

Limits and Considerations

There are limits worth keeping in mind. Five stacks is a cap per account, so users with elaborate savings plans will need to consolidate goals. The requirement to route outgoing Bitcoin through the main balance adds a step for anyone withdrawing to a personal wallet.

Research behind the launch frames it as likely positive for both retail and institutional users looking for Bitcoin management tools. The argument is that structured savings features could improve user retention and draw in customers who want more organized strategies. Whether that holds in practice is one angle to watch as Stacks rolls out across Strike's operating jurisdictions.

The business account angle deserves attention as well. Companies holding Bitcoin often need to separate funds by purpose, such as operating reserves versus long-term treasury, and Stacks gives them a built-in way to do that. In other words, funds earmarked for operations can be tracked separately from Bitcoin held as a long-term reserve, all within one account. In effect, a single Strike account can now be organized the way a simple balance sheet is, with funds labeled by purpose rather than pooled together.