Spend crypto. Live anywhere.
No selling to a bank, no waiting for a wire. Hold USDT or USDC, load your Krypkard and pay at the till like anyone else. Here is how it works and what it costs.
- Just your ID
- Live within 24 hours
- Cancel any time
Four ways to spend crypto, compared
| Method | How it works | Downsides |
|---|---|---|
| Sell to a bank account | Sell on an exchange, withdraw fiat, wait for the transfer, then spend from your bank | Slow, two sets of fees, requires a bank account in a supported country |
| Pay merchants in crypto directly | Find a merchant that accepts crypto and pay from your wallet | Very few merchants, volatile pricing, on-chain fees per payment |
| Gift cards | Buy a retailer gift card with crypto | Locked to one retailer, no refunds, often a markup |
| Crypto card (Krypkard) | Hold USDT or USDC, pay with Visa or Mastercard, convert at the moment you pay | Monthly membership, stablecoins only |
How to spend crypto with Krypkard
Move into a stablecoin
If you hold BTC, ETH or other assets, convert to USDT or USDC on your exchange or wallet. Stablecoins keep your spending balance steady.
Load your Krypkard
Send USDT or USDC to your deposit address on the network shown in your account. The balance is ready within minutes.
Pay like anyone else
Tap your phone with Apple Pay or Google Pay, use your metal card, pay online or withdraw at an ATM. Conversion happens at the moment you pay.
Start spending your crypto this week.
Apply with your ID, top up with USDT or USDC and pay anywhere in 200+ countries.
What spending crypto really costs
Be wary of any provider that says spending crypto is free. There are always costs somewhere; the question is whether they are shown to you.
- Converting to a stablecoin. Your exchange or wallet charges its own trading fee or spread.
- Network fee. Set by the blockchain you send on, not by Krypkard.
- Membership. Krypkard is $29 a month for Platinum or $99 for Infinite, with no joining fee and cancel any time.
- Transaction fees. Network, issuer and FX fees, where they apply, are shown in your account before you confirm. Krypkard adds no markup of its own on your spending.
- Tax. Converting or spending digital assets may be a taxable event where you live. Keep records; your account history helps.
For the practical details, read how to spend crypto in everyday life and our guide to travelling with crypto.
Spending crypto: common questions
With Krypkard you hold USDT or USDC and the conversion to local currency happens automatically at the moment you pay. You do not need to sell to a bank account first.
Krypkard is funded with USDT or USDC. Convert BTC, ETH or other assets to either stablecoin on your exchange or wallet, then send the stablecoin to your Krypkard address.
Anywhere Visa or Mastercard is accepted, depending on your plan: shops, restaurants, hotels, transport, online checkouts, subscriptions and ATMs, in 200+ countries.
In many countries, converting or spending digital assets can be a taxable event. Tax depends on your circumstances. Krypkard does not give tax advice; keep records and speak to a professional if you are unsure.
Applying takes about three minutes and the virtual card is live within 24 hours. Deposits arrive within minutes. Payments are instant, like any card payment.
Your stablecoin balance is converted into the merchant currency at the rate applicable at that moment. Any FX fee is shown in your account before you confirm.
Digital assets are not bank deposits and are not covered by deposit insurance. Their value can go down as well as up. Tax may be payable on gains. Nothing on this page is financial or tax advice. Product availability is subject to jurisdictional limitations.
Related pages
Start spending your crypto this week.
Apply with your ID, top up with USDT or USDC and pay anywhere in 200+ countries.
