Saving used to be simple. You set money aside every month, and over the years it was still there, worth roughly what you put in. That deal has quietly broken. Inflation eats into what sits in the account, and the products sold as “savings” rarely keep up.
We built Relai around a different answer to the same old question: how do I put money aside today so it is still worth something in a couple of decades? Bitcoin is one part of that answer. The other part is an app built around it, one that lets you save the way you actually live.
In this article, you will find out why we see Bitcoin as a savings technology, what makes a Bitcoin savings plan work over time, and how your Relai savings plan now adapts to your life.
Why Do We Call Bitcoin a Savings Technology?
Because its design solves the problem savers have always had: money that loses value while you hold it.
Bitcoin has a fixed supply of 21 million. Nobody can issue more of it to fund a deficit or bail out a bank. You can hold it yourself, move it anywhere, and verify it without asking permission. A savings account works the other way round: the number grows slowly while the purchasing power behind it shrinks. If you want the longer version, we wrote up why Bitcoin works as a savings technology in a separate post.
Bitcoin is volatile, and it will stay volatile for a long time. Volatility is what you see in the Bitcoin price week to week. Scarcity is what you see over decades, and decades are what savers care about.
What Makes a Bitcoin Savings Plan Actually Work?
Two things: consistency, and a plan that bends to your life.
Consistency is the simple part. You buy a fixed amount at a fixed interval, for years. That is dollar-cost averaging, and it is the whole mechanism behind a Bitcoin savings plan. The plan buys on the dull weeks and on the weeks when the Bitcoin price is on every front page. The people who did well with Bitcoin over the last decade share one habit: they never stopped buying Bitcoin. That habit is why the savings plan is the center of the Relai app.
The second part is what we changed. Life moves: a pay rise, a new payday, a month that runs tighter than planned. A savings plan should move with it. From now on, you adjust your Relai plan on the spot, and it keeps running with its full history intact. That is what we mean when we call ourselves a Bitcoin savings app.
Your Savings Plan Now Adapts to You
An active Relai savings plan can now be edited in place.
Change the amount, select the next buy date so it lands after your salary, or skip one upcoming order, and the plan keeps running with its history intact.
Each change is confirmed by email and shown in the plan’s log, on mobile and web. If you pay by bank transfer, update your standing order to match, and the app will remind you until the first purchase under the new terms has cleared.
What Comes Next?
The same idea, taken further.
In Q4 the savings plan becomes savings baskets. You set up a plan for each goal, with its own amount and its own rhythm, and watch each one fill up on its own. The long-term stack and the trip next summer get their own lines.
The app is changing around it too. You will be able to arrange more of it to fit how you use it, and the interface is getting a full redesign.
Bitcoin is the savings technology. Relai builds the tools around it and stays out of your way.
However, if you want to help us get this feature into more people’s hands, you can refer your friends to Relai.
Our app is available in the Apple App Store and the Google Play Store, and if they need help setting up an account or have general questions, they will find plenty of tutorials on our YouTube channel.
And finally: help them cut their fees by 10% by using your referral code. They pay less, and we thank you with a Bitcoin payment straight into your Relai wallet.
If you want to know more about our referral program, click here: https://relai.app/earn/
Or if they would rather talk to a human, tell them they can reach us any time. Either through our social media channels (X, LinkedIn, Instagram) or directly via the chat bubble in the bottom right, where our support team is always there for them.
Disclaimer: Relai EU SASU is authorized as a crypto-asset service provider under the MiCA Regulation, granted by the French financial market authority AMF, and serves customers in the European Union on that basis. Customers resident in Switzerland and Liechtenstein are served by Relai AG, which is affiliated as a financial intermediary with the VQF, a self-regulatory organization recognized by FINMA under the Anti-Money Laundering Act.
FAQ
What Is a Bitcoin Savings Plan?
A Bitcoin savings plan buys a fixed amount of Bitcoin for you at a fixed interval, for example every week or every month, regardless of the current price. Over time, this averages out your purchase price and removes the need to pick a moment to buy. With Relai, the Bitcoin goes straight to a wallet you control.
Can I Change My Relai Savings Plan Without Canceling It?
Yes. Open your plan, tap Edit, and change the amount or the next buy date. The plan stays active, keeps its history, and keeps buying Bitcoin on your schedule.
How Often Should I Buy with a Relai Bitcoin Savings Plan?
You can set your plan to weekly or monthly. There is no single right interval. Most people match it to their income, so a monthly plan lands after payday and a weekly plan spreads purchases across the month. The interval matters less than keeping the plan running for years.
Does Editing My Bitcoin Savings Plan Affect My Fees?
Fees apply per order at the time it executes, not to the plan itself. You see the applicable conditions before each buy.
What If I Pay My Bitcoin Savings Plan on Relai by Bank Transfer?
Update the standing order in your banking app to match your new amount or date. The app reminds you until the first buy under the new terms is done.
Is a Bitcoin Savings Plan a Guaranteed Way to Grow My Savings?
No. Bitcoin is volatile and can lose value, including a total loss. A savings plan spreads your purchases over time and does not remove market risk.
How Do I Change the Amount of My Bitcoin Savings Plan with Relai?
Open the Relai app, tap your active savings plan, and choose Edit. Enter the new amount, check the summary, and confirm. The new amount applies from your next scheduled buy. If you pay by bank transfer, update your standing order to match.
