Provider at a glance
- Category
- Crypto Bill Pay
- Entity
- Not verified
- Official website
- livingroomofsatoshi.com
Independent rankingchecked How it works
Details
Scored 73 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
Living Room of Satoshi
Crypto payments to Australian bank accounts
Crypto Bill Pay
#4 Overall
Ranked #4 of 7 crypto bill pay in the published ranking
73
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Living Room of Satoshi right for you?
Right for you if these matter most
- Business days until the biller shows it PAID — and the buffer the vendor admits you need9/10, the category best
- Who eats the price move between your order and the biller's credit8/10; the category best is 9
- What you can hand the biller, and what the terms say the vendor actually did7/10, the category best
Look elsewhere if these come first
- Can it reach the one institution you owe — and can that be taken away2/10 here; Bitcoin Well scores 9
Not yet tested for your country. Markets it lists: Australia.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best bill payment service shows where it lands for you.
What will Living Room of Satoshi cost you?
Not priced on this basis
- Payments per month
- 500
- Average payment
- $100
How safe is Living Room of Satoshi?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Living Room of Satoshi
Compare all 4- 1Bitcoin Well4 points above · stronger on named biller reachability (9 against 2)77
- 2Strike Bill Pay3 points above · stronger on named biller reachability (9 against 2)76
- 3Swapin (SwapinPay)Level on score · stronger on named biller reachability (9 against 2)73
For your setup
Find out if Living Room of Satoshi fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Living Room of Satoshi lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best bill payment serviceNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Living Room of Satoshi ranks #4
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (21.0 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 2 of 4.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
329+9.225.09#1/7Loading evidence…
262+1.666.09#6/7Loading evidence…
228+5.636.09#2/7Loading evidence…
207+4.485.07#1/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
MarginLevelbehind Swapin (SwapinPay), #3
RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 71–75 and ranks #3–#4
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Living Room of Satoshi’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Business days until the biller shows it PAID — and the buffer the vendor admits you need 9 → 10 on its ladder · passes Swapin (SwapinPay)+175#4 → #3
Can it reach the one institution you owe — and can that be taken away 2 → 3 on its ladder · passes Swapin (SwapinPay)+174#4 → #3
Who eats the price move between your order and the biller's credit 8 → 9 on its ladder · passes Swapin (SwapinPay)+174#4 → #3
What you can hand the biller, and what the terms say the vendor actually did 7 → 8 on its ladder · passes Swapin (SwapinPay)+174#4 → #3
Business days until the biller shows it PAID — and the buffer the vendor admits you need 9 → 1 on its ladder · Bull Bitcoin passes it−857#4 → #5
Smallest climb: business days until the biller shows it PAID — and the buffer the vendor admits you need 9 → 10 passes Swapin (SwapinPay), #3.
Strengths
3 from the score dataWhere it leads
Best for readers who weight
- Business days until the biller shows it PAID — and the buffer the vendor admits you need — 9/10, the category best
- Who eats the price move between your order and the biller's credit — 8/10, category best 9/10
- What you can hand the biller, and what the terms say the vendor actually did — 7/10, the category best
Tradeoffs
1 from the score dataWhere it trails
Not for readers who put first
- Can it reach the one institution you owe — and can that be taken away — 2/10 against a category best of 9/10
Record watch-outs
- DIRECT BPAY IS GONE, SO A BPAY BILL NOW TAKES TWO STEPS AND THE SECOND ONE IS YOURS: on 2026-09-28 the FAQ says 'Direct BPAY payments are currently unavailable, but you can still pay BPAY bills in two steps: send funds to your own bank account, then pay the bill through BPAY using your bank.' The one remaining rail is a bank transfer: Osko transfers 'arrive within minutes, for most Australian banks'; other accounts are 'processed the same day if we receive your payment before 3pm on a Bank Business Day, and may take up to 2 business days to clear.' No page names the timezone of that 3pm, and the PDS (effective 01/02/2022) still prints the old BPAY 5pm / 3pm split for a rail the FAQ says is unavailable. Then two more things before you commit. FIRST, THE PAYEE IS NOW A BARE BANK ACCOUNT: the homepage form takes a BSB and account number, its only reference field is labelled 'Optional Description', and no page tells you to carry the biller's reference into it. On 2026-09-28 the live feed at /otherBills (116 records) listed only destination banks ('Commonwealth Bank Payment' x34, 'Westpac Bank Payment' x14) and no named biller, where on 2026-08-14 it carried Telstra, Origin Energy, Water Corporation WA, Brisbane City Council rates and SPER. The 55,000+, 45,000 and 19,000 BPAY biller counts are gone from the homepage and FAQ; do not repeat them in our copy. SECOND, CITE THE LICENCE DATE, NOT THE ORIGIN STORY: AFSL 507130 is real and on ASIC's own register dataset, but the register puts its start at 1 August 2019, while the homepage says 'We hold our own Australian Financial Services Licence and have done since the early days of crypto' alongside 'Established in 2014' and 'operating in Australia since 2014', and the FAQ's JSON-LD goes further: 'we are the first and only cryptocurrency related company in Australia that has acquired our own full Australian Financial Services Licence (AFSL). We're pioneers!' ABN Lookup puts the legal entity's own start at 28 Jun 2017. The licence is a 2019 credential, not an origin-story one. Inconclusive, not absent — a DCE registration very likely exists, but it must not ship as fact until the register is read.
Competitive position
Where Living Room of Satoshi leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 76.0 of 20 · constant here
Published criteria#3 / 715.7 of 30 · best 17.4
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#4 / 78.3 of 18 · best 9.7
Where Living Room of Satoshi leads
- Business days until the biller shows it PAID — and the buffer the vendor admits you need#1 / 7
- Who eats the price move between your order and the biller's credit#2 / 7
- What you can hand the biller, and what the terms say the vendor actually did#1 / 7
Where it trails
- Can it reach the one institution you owe — and can that be taken away#6 / 7
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Swapin (SwapinPay)#3 of 7 · score 73 · same score
Living Room of Satoshi leads on
- Business days until the biller shows it PAID — and the buffer the vendor admits you need9 vs 5
- Who eats the price move between your order and the biller's credit8 vs 6
Swapin (SwapinPay) leads on
- Can it reach the one institution you owe — and can that be taken away9 vs 2
Largest single reason Swapin (SwapinPay) is ahead: published criteria (+0.8 display points).Scenario cost: Swapin (SwapinPay) has no verified pricing for this scenario.
Strike Bill Pay#2 of 7 · score 76 · 3.0 points ahead
Living Room of Satoshi leads on
- Business days until the biller shows it PAID — and the buffer the vendor admits you need9 vs 8
- Who eats the price move between your order and the biller's credit8 vs 3
- What you can hand the biller, and what the terms say the vendor actually did7 vs 5
Strike Bill Pay leads on
- Can it reach the one institution you owe — and can that be taken away9 vs 2
Largest single reason Strike Bill Pay is ahead: measured data (+3.6 display points).Scenario cost: Strike Bill Pay has no verified pricing for this scenario.
Bitcoin Well#1 of 7 · score 77 · 4.0 points ahead
Living Room of Satoshi leads on
- Business days until the biller shows it PAID — and the buffer the vendor admits you need9 vs 6
- What you can hand the biller, and what the terms say the vendor actually did7 vs 5
Bitcoin Well leads on
- Can it reach the one institution you owe — and can that be taken away9 vs 2
- Who eats the price move between your order and the biller's credit9 vs 8
Largest single reason Bitcoin Well is ahead: published criteria (+4.4 display points).Scenario cost: Bitcoin Well has no verified pricing for this scenario.
Against the leader
77 vs 73 · gap 4.0Why Bitcoin Well ranks above Living Room of Satoshi
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 4.0 to within rounding.
DimensionThisBitcoin WellGap share
Availability · 23% weight · constant here6.06.0same
Published criteria · 35% weight15.717.4−4.4, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight8.38.3same
Published criterionThisBitcoin WellPoints
Business days until the biller shows it PAID — and the buffer the vendor admits you need · w3296+3.07, better
Can it reach the one institution you owe — and can that be taken away · w2629−5.82, worse
Who eats the price move between your order and the biller's credit · w2289−0.70, worse
What you can hand the biller, and what the terms say the vendor actually did · w2075+1.28, better
Net7377−4.0
Your scenario
Living Room of Satoshi is not priced for this scenario
Percentage and fixed legs on each payment, for a year. Excludes chargebacks, FX markup and settlement fees priced separately. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Payments per month · your input500
Average payment · your input$100
Rate read from the provider’s published pricing ↗ on 28 October 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 October 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessOne point from changingrank #3 to #4 across one-point re-runs
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 October 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Business days until the biller shows it PAID — and the buffer the vendor admits you needstrength 9 · weight 32Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Can it reach the one institution you owe — and can that be taken awaystrength 2 · weight 26Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Who eats the price move between your order and the biller's creditstrength 8 · weight 22Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.What you can hand the biller, and what the terms say the vendor actually didstrength 7 · weight 20Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Execution failure: you get a worse price, later, or nothing.Scored by Business days until the biller shows it PAID — and the buffer the vendor admits you need · 32% (Living Room of Satoshi 9/10)Scored by Who eats the price move between your order and the biller's credit · 22% (Living Room of Satoshi 8/10)Scored by What you can hand the biller, and what the terms say the vendor actually did · 20% (Living Room of Satoshi 7/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Regulatory failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Can it reach the one institution you owe — and can that be taken away (26%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- FAQ at https://
www .livingroomofsatoshi .com /faq, fetched 28 September 2026, under "What are the fees?": "There are no separate fees, the calculated exchange amount you see on the homepage is all inclusive, and is the only amount you need to pay. Living Room of Satoshi makes money from currency spread." No spread percentage is published anywhere; the FAQ points to a live rate feed instead ("Our exchange rate is published via JSON API at https:// www .livingroomofsatoshi .com /api /v1 /current _rates , and is also displayed at the point of payment."), which returned HTTP 200 with live AUD quotes on 28 September 2026. Limits on the same FAQ: "Bank transfers are limited to a maximum of $1,000,000 per transaction for high liquidity coins. Total daily limit of $5,000,000." (the PDS, effective 01/02/2022, still says bank-account payments are capped at half that; not re-quoted here because it is a different page). Fee level is not scored on this page.Living Room of Satoshi — official pricing page ↗ · 28 October 2026 - Prices published in
- USDLiving Room of Satoshi — official pricing page ↗ · 28 October 2026
- Licences held
- Australia: Australian Financial Services Licence (AFSL) — held by LIVING ROOM OF SATOSHI PTY LTD, AFS_LIC_ABN_ACN 47620066748, licence start date 01/08/2019, registered address BRISBANE QLD 4000. Register condition text: authorises the licensee to provide general financial product advice for, and to deal in a financial product by issuing, applying for, acquiring, varying or disposing of, deposit and payment products limited to non-cash payment products, to retail and wholesale clients. READ ON THE REGISTER: ASIC's own published AFS Licensee Dataset on data.gov.au (publisher confirmed via the CKAN package_show API as 'Australian Securities and Investments Commission (ASIC)'; resource 'AFS Licensee Dataset - Current', last_modified 2026-08-12T21:50:40), downloaded 14 August 2026 at 11,338,690 bytes, matching row 4188. ASIC Connect, the register's search page, answered an automated read with HTTP 403 on 14 August 2026; the regulator's own published dataset of the same register did not. 507130, Australia: Company registration — ABN 47 620 066 748, ACN 620 066 748, entity name LIVING ROOM OF SATOSHI PTY LTD, entity type Australian Private Company. ABN status Active from 28 Jun 2017; Goods & Services Tax registered from 01 Jul 2017; main business location QLD 4155. Read on ABN Lookup 14 August 2026 (page states 'Record extracted: 15 Aug 2026' in AEST). 47 620 066 748
- Compliance level
- partial
- Regulatory note
- Australia: Australian Financial Services Licence (AFSL) — held by LIVING ROOM OF SATOSHI PTY LTD, AFS_LIC_ABN_ACN 47620066748, licence start date 01/08/2019, registered address BRISBANE QLD 4000.
- Supported chains
- Bitcoin, Bitcoin Lightning, Ethereum, Litecoin, XRP, Bitcoin Cash, Tether (USDT), USDC, Solana, Cardano, Monero, Dogecoin, Stellar, Polkadot, Avalanche C-Chain, BNB Smart Chain (BEP20), Tron, Algorand, Tezos
- Markets served
- au
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- AUSTRALIA ONLY — re-read 28 September 2026. The one remaining rail is a domestic Australian bank transfer (NPP/Osko, else a regular bank transfer) to any BSB and account number; direct BPAY is withdrawn (see named_biller_reachability). The FAQ frames the product nationally: "A simple, secure way to pay your everyday Australian bills with bitcoin. Pay your rent, invoices, friends and family, or any Australian bank account." Verification is mandatory under Australian law: "Yes, you need to be verified to use our service. Identity verification is a legal requirement of all digital exchanges in Australia under the Anti-Money Laundering and Counter-Terrorism Financing Amendment Act 2017." Limits, same FAQ: "Bank transfers are limited to a maximum of $1,000,000 per transaction for high liquidity coins. Total daily limit of $5,000,000." Terms 3(a) at https://
www .livingroomofsatoshi .com /public /terms .html keeps refunds domestic: "Any refunds issued will be made in AUD to your nominated Australian bank account." The regulated PDS (effective 01/02/2022) still caps bank-account payments at $500,000 per transaction, and Terms 4(a) still prints a BPAY limit for a rail the FAQ says is unavailable; neither document has been updated for the change. A reader outside Australia has no usable path to this product. It is filed under Australia only, so readers elsewhere in Asia-Pacific are not shown it.
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Living Room of Satoshi: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
10 methodology entries
- 28 October 2026Current verified snapshot · methodology 2026.10.18Score 73, #4 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.7Forty-one more products are offered only where their own quoted terms serve- fixed 141 country exclusions on 31 rows, each the name of a country the row's own quoted terms exclude: for example Mercuryo Hungary, China, Pakistan, Bangladesh, Chile, Colombia and Morocco; Gemini Custody the United Kingdom, Australia and the EU after its wind-down; Backed xStocks the US, Canada, the UK, Australia, Nigeria, the Philippines and Venezuela.
- changed Thirteen rows list the only countries their terms serve: Coins.ph the Philippines, Spritz bill pay, Brex, Unchained, WisdomTree, Franklin BENJI and AnchorWatch the United States (with its territories for AnchorWatch), PRYPCO Mint the UAE, N26 crypto seven EU countries, Gemini Tokenized Stocks the EU, XNET the US, Canada and the UK, Coldbit Steel and MetaMask Card the countries they list.
- changed Published (no-country) orders do not move. Country results change: in India six categories each lose one row (bill pay, cards, off-ramps, P2P, seed backup, tokenised real estate), and bill pay there has no row confirmed available, so it shows the published order marked as such; country pages list 23 fewer rows (24,357 to 24,334). The grounding test now matches full country names in any case, which shows seven earlier exclusions were quoted all along: the named debt of unquoted exclusions falls from 40 to 33 pairs.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
Methodology 2026.10.18, the same published run every visitor sees · receipt bill_pay:living_room_of_satoshi:2026.10.18:ff085c92b753
Are you Living Room of Satoshi? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.