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How to Mine, Buy, and Use It Bitcoin BTC is a digital or virtual currency created in that uses peer-to-peer technology to facilitate instant payments. When you use them at a store, the money is withdrawn from your card in cryptocurrency and paid to the merchant in fiat money, such as dollars. The list of goods and services you can buy with Bitcoin and other cryptocurrencies is growing as people and vendors get more comfortable with virtual money. Related Terms. It isn't necessary to have an account with an institution, exchange, company, or other entity to acquire a cryptocurrency.