What Is a Crypto Card?
A crypto card is a payment card that allows you to spend digital assets in everyday transactions wherever traditional card networks are accepted. Instead of paying directly with fiat currency, your crypto card converts your cryptocurrency or stablecoins into fiat at the point of sale, making it possible to use blockchain assets for real-world purchases.
Crypto cards typically link to a user’s crypto wallet or account, and spend from a balance of supported digital assets. Some cards offer perks such as rewards, cashback, or reduced fees, often paid in crypto or stablecoins. This brings the flexibility of digital assets into familiar spending experiences.
Using a crypto card abstracts away the conversion process, allowing cardholders to spend without managing crypto-to-fiat exchanges manually. However, customers should understand fees, conversion rates, and the specific assets supported by their card provider.
KAST’s crypto card lets users spend stablecoins like USDC and USDT globally, with rewards and seamless onchain transfer options that integrate digital asset use with everyday payments.
How a Crypto Card Works Behind the Scenes
When you make a purchase with a crypto card, several things happen almost instantly:
- Your available crypto or stablecoin balance is checked.
- The required amount is converted into fiat at the point of sale.
- The merchant receives payment in their local currency through traditional card networks.
- Your crypto balance is updated to reflect the transaction.
All of this happens in seconds, which is why paying with a crypto card feels just like using a standard debit or credit card. The blockchain handles the asset layer, while established payment networks handle merchant settlement.
Where You Can Use a Crypto Card and How to Stay Safe
Crypto cards can typically be used online at supported stores, in physical retail locations, and at ATMs where available. Because payments run through traditional card networks, merchants receive fiat currency while you spend from your crypto balance.
Reputable providers use fraud monitoring systems, secure custody infrastructure, and compliance safeguards to protect users. As a cardholder, you should enable security features like PIN protection and transaction alerts, monitor your activity regularly, and understand supported assets, fees, and limits before spending.
