Buying coffee with crypto shouldn’t require surrendering your wallet to Coinbase first. The MetaMask Card just solved that friction by launching nationwide across all 50 US states—including New York, where crypto debit cards faced regulatory roadblocks until now. This self-custodial solution lets you spend directly from your MetaMask wallet at over 150 million Mastercard merchants without losing control of your funds.
Real Crypto Spending Without the Custody Trade-Off
Your wallet stays yours while enabling seamless point-of-sale transactions through Mastercard’s network.
Unlike exchange-issued cards that require pre-loading funds into custodial accounts, the MetaMask Card converts your crypto in real-time at checkout. Supported tokens include:
- USDC
- wETH
- mUSD
- amUSD
- aUSDC
- aBasUSDC
- USDT
- EURe
- GBPe
The system works across Linea, Base, and Solana networks. The conversion happens instantly using Mastercard’s exchange rates, while your private keys never leave your device. Apple Pay and Google Pay integration means your usual tap-to-pay habits work seamlessly with blockchain assets.
Two-Tier Rewards That Actually Make Sense
Standard users earn 1% cashback while Metal tier delivers 3% returns on serious spending.
The free virtual card offers 1% mUSD cashback on all purchases—respectable for a non-custodial solution. Serious spenders can upgrade to the $199 annual Metal subscription for 3% cashback on the first $10,000 spent yearly, plus a physical metal card that probably weighs more than your phone.
Unused balances automatically earn yield through Aave integration, turning your spending account into a DeFi position.
Self-Custody Meets Mainstream Acceptance
Cross River Bank partnership brings regulatory compliance while Mastercard delivers global merchant access.
This isn’t another startup promising to disrupt payments—it’s established financial infrastructure adapting to crypto reality. Cross River Bank handles regulatory compliance while Monavate manages operations, creating a bridge that satisfies both blockchain purists and traditional finance requirements.
The result feels less like “crypto magic” and more like your existing debit card, which was always the point.
The Real Test Starts Now
Instant activation through the MetaMask app eliminates lengthy waitlists, but KYC verification remains mandatory.
Virtual cards activate immediately after identity verification, with spending limits and instant freeze controls managed through the familiar MetaMask interface. The system handles transaction monitoring and tax reporting exports—mundane features that determine whether crypto payments actually work for daily life.
Your morning coffee run just became a blockchain transaction, and honestly, that’s exactly how it should feel: completely unremarkable.
