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BitPay is primarily a self-custody cryptocurrency wallet, but it acts as a payment processor for merchants and features built-in exchange and swap capabilities.It does not hold your funds like a traditional centralized exchange (such as Coinbase or Kraken). Instead, it provides the following services:Self-Custody Wallet: You hold your own private keys and have full control over your digital assets.Swap/Exchange: You can natively swap, buy, and sell thousands of crypto pairs, or cash out to fiat using third-party providers integrated directly into the app.Payment Processing: BitPay operates primarily as a service for merchants to accept crypto payments, and allows users to spend crypto at enabled retailers or pay bills.
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