Cash App is rolling out one of its most ambitious updates yet, introducing an AI-powered financial assistant, a revamped benefits program, and expanded tools for Bitcoin payments as the company doubles down on both automation and digital currency.
The fall release marks a significant shift for the Jack Dorsey-led firm as it tries to position Cash App not just as a payments product but as an all-in-one financial hub.
At the center of the update is Moneybot, an AI chatbot designed to help users understand their income, spending patterns, and savings habits. The assistant answers questions in natural language and generates on-the-spot financial insights. Early users can ask Moneybot prompts such as, “Can you show me my monthly income, expenses, and spending patterns?” and instantly receive account reports. Moneybot also brings up suggestions like splitting a bill, checking a Bitcoin balance, or requesting money from a friend.
Register for Tekedia Mini-MBA edition 19 (Feb 9 – May 2, 2026): big discounts for early bird.
Tekedia AI in Business Masterclass opens registrations.
Join Tekedia Capital Syndicate and co-invest in great global startups.
Register for Tekedia AI Lab: From Technical Design to Deployment (next edition begins Jan 24 2026).
Cameron Worboys, Cash App’s head of product design, said the assistant is meant to help users make decisions instead of simply reading data.
“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. No two financial journeys are the same, so we’ve built Moneybot to learn each customer’s habits and tailor its suggestions in real-time,” he said.
Moneybot will launch first to a limited group. Cash App plans to open access more widely in the coming months.
The fall update comes as Block, the parent company of Cash App and Square, intensifies its push to make Bitcoin easier to use in everyday transactions. Last month, the company released an integrated Bitcoin solution for merchants, allowing them to automatically receive crypto payments into a wallet. Cash App users will now be able to discover businesses that accept Bitcoin through a new map, and they can use USD to pay in Bitcoin without holding the currency themselves. Block said the transactions run through the Lightning Network, the Bitcoin layer-2 system that allows fast transfers through QR codes.
Block also confirmed that Cash App will soon enable some customers to send and receive stablecoins, widening the range of digital currency activity possible within the app.
Beyond the crypto additions, Cash App is overhauling how customers qualify for benefits. Before now, users needed at least $300 in direct deposits per month to unlock perks such as a 3.5 percent yield. The company has introduced a new program called Cash App Green, which broadens access by including customers who either spend $500 or more per month through the Cash App Card or Cash App Pay, or who continue to receive at least $300 in monthly deposits.
Under Cash App Green, customers gain access to a higher borrowing limit — up to $400 for first-time borrowers and an increase of up to $300 for returning borrowers — along with free overdraft coverage of up to $200 for Cash App Card transactions, free in-network ATM withdrawals, savings yields of up to 3.5 percent APY, and five personalized weekly offers at various stores. Block said as many as 8 million accounts will qualify once the program takes effect.
The update also expands Cash App Borrow to 48 states, bringing the short-term loan product to nearly the entire country. Teens using Cash App will receive a 3.5 percent APY on their accounts with no balance restrictions. Block is also integrating elements of Afterpay — the buy now, pay later company it acquired — directly into Cash App, which will let some customers access BNPL services from within the app without creating a separate login.
Taken together, the fall release shows Cash App building toward a more comprehensive financial ecosystem, powered by automation, crypto tools, and a deeper focus on user engagement. Moneybot serves as the flagship element of that strategy, while the company’s continuous expansion into Bitcoin and stablecoin rails signals an effort to position Cash App at the intersection of fintech, AI, and digital currency.