I found it interesting that MetaMask is launching the card nationwide in the US now. After testing extensively at the end of 2024, they finally rolled it out in 49 states, and New York is included this time. Basically, it’s a debit card where you spend crypto directly from your wallet, without having to go through that annoying process of cashing out first.

The coolest part is that the money stays in your wallet until the exact moment you tap the card. Like, you have USDC, USDT, or wETH there, and when you buy something, it converts instantly. No more sending funds to an exchange days in advance. Anyone using the MetaMask app knows how much this makes things easier.

Now they’ve also launched a premium metal card. It’s made of stainless steel, costs $199 per year, but offers cashback of up to 3% on the first $10 thousand spent ( in mUSD, which is a stablecoin). The free virtual card gives 1%. In addition, the metal card has a daily spending limit of $30k compared to $15k for the virtual card. If you travel a lot, you can also take advantage of the hotel discount program and zero foreign transaction fees.

Technically, the card works through Mastercard in partnership with Cross River Bank. The interesting part is that they use the Linea network, which is an Ethereum Layer 2, to process transactions. This keeps fees practically zero (, like $0,01). It supports several assets: USDC, USDT, mUSD, wETH, even yield-bearing tokens like aUSDC.

For security, you go through basic KYC either in the app or directly in the MetaMask app, but you don’t need to link a traditional bank account. Your private keys remain with you—the card only delegates a spending limit that you approve on the blockchain. If you lose the card, your seed phrase stays safe.

What stands out the most is that this isn’t speculation. It’s real people using crypto to buy coffee, hotels, anything. MetaMask has moved from being just a wallet and turned into a real financial hub. For people using crypto every day, eliminating that off-ramp friction is revolutionary. Vermont still doesn’t have access due to local regulatory reasons, but practically the rest of the country can already use it.