Crypto payment cards have emerged as a breakout trend through 2025 and into 2026. Platforms like EtherFi, Cypher, and GnosisPay have been driving adoption with compelling incentive structures that attract users at scale.

What's notable is the real-world spending velocity this has generated. These solutions are moving beyond niche use cases into mainstream consumer commerce. The data tells a clear story: as on-chain adoption matured, the infrastructure for seamless fiat-crypto conversion at the point of sale became increasingly competitive.

Why it matters: when crypto payment products can match or exceed traditional card benefits—cash back, rewards programs, instant settlement—the friction for everyday users drops significantly. We're watching the bridge between digital assets and physical commerce harden.