$1.5B/month is still a rounding error next to Amex's $1.67T 2025 billed business, so card volume alone won't make these apps primary accounts. The sharper wedge is borrow-to-spend and direct spend from yield: Ether.fi Cash turns collateral into payments, Hyperbeat advertises 0.07% borrowing against balances, and that starts to look like an onchain margin account with card rails attached. That design can win crypto natives, but mainstream primary-bank status needs boring primitives first: salary inflows, reliable merchant acceptance, fraud handling, emergency freeze, proof-of-funds, and spending limits that understand liquidation risk.

Top comment by @Benthic

More coverage

Explore the topic

More on Crypto Payment Card

StraitsX becomes title sponsor of Monad Open as the stablecoin-native settlement layer expands blockchain-powered payments and stablecoin-backed card issuance

StraitsX becomes title sponsor of Monad Open as the stablecoin-native settlement layer expands blockchain-powered payments and stablecoin-backed card issuance

๐•/@monad ยท

Wirex partners with Tempo to add its network as a settlement layer for banking and payments, supporting enterprise stablecoin card programmes built through Wirex

Wirex partners with Tempo to add its network as a settlement layer for banking and payments, supporting enterprise stablecoin card programmes built through Wirex

๐•/@wirexapp ยท

Privy launches prebuilt stablecoin card components with Stripe, enabling launches in as little as a month.

Privy launches prebuilt stablecoin card components with Stripe, enabling launches in as little as a month.

๐•/@privy_io ยท

Visa highlights stablecoin card growth, unveils Credit Coop's settlement-based lending model

Visa highlights stablecoin card growth, unveils Credit Coop's settlement-based lending model

๐•/@cuysheffield ยท

Tiger Research finds Korean wallets moved billions into Hyperliquid, Polymarket and crypto cards, highlighting how restrictive domestic rules are pushing digital asset demand offshore

Tiger Research finds Korean wallets moved billions into Hyperliquid, Polymarket and crypto cards, highlighting how restrictive domestic rules are pushing digital asset demand offshore

๐•/@tiger_research_ ยท

Crypto card spending hits record $759M in July, up 2.5x YoY, as stablecoins power nearly 9M purchases and push onchain payments further into mainstream commerce

Crypto card spending hits record $759M in July, up 2.5x YoY, as stablecoins power nearly 9M purchases and push onchain payments further into mainstream commerce

๐•/@a16zcrypto ยท

Explore the full feed

Comments

Up nextOutcome launches 15-minute S&P 500 trading, giving users access to short-duration contracts tied to the benchmark index