Crypto prices have been going down, but crypto adoption has been going up, and not in the way that you think. Over the last 5-6 years, the number of crypto card holders has grown by a whopping 15-20x.
Not only that, but proposed changes to credit card interest rates and fees could result in rewards for traditional cards going down, while pending crypto regulations could increase crypto card rewards.
The result could be an even bigger surge in adoption of crypto cards, with select crypto coins and tokens benefitting the most. Today we tell you everything you need to know about this growing trend. Video by Coin Bureau.
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Crypto card market surges 1,400% in two years to $18bn. Crypto card spending hit $1.5bn a month by late 2025, Artemis says. Monthly spending via crypto cards rose from $100m in early 2023 to $1.5bn by late 2025, according to Artemis.
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Key Adoption Drivers
--Stablecoin Utility: Stablecoins account for 78% of crypto card volume, with USDT and USDC dominating as practical, low-volatility payment instruments.
--Instant Conversion: Modern cards automatically convert digital assets to fiat at the point of sale, allowing users to bypass traditional exchange off-ramping and withdrawal delays.
--DeFi Integration: New models in 2025 and 2026 offer DeFi-generated yields on balances, allowing users to earn interest on their funds while retaining spending flexibility.
Market Scale and Growth
--Transaction Volume: Spending reached an $18 billion annual run rate in early 2025, a 1,400% increase from early 2023.
--Monthly Growth: Monthly spending skyrocketed from approximately $100 million in 2023 to over $1.5 billion by late 2024.
--Visa Dominance: Visa processes over 90% of on-chain card transaction volume, supported by its network of over 80 million merchant locations.
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