MetaMask has turned the wallet into a combo of on-demand interest-bearing cash management and a debit card—stablecoins are no longer just on-chain transfer tools. A 4% return is better than nothing, but the real breakout is being able to swipe a Mastercard for everyday spending.

CoinJie.com news: MetaMask has announced the launch of a new self-custodial account—the “Money Account.” The account combines stablecoin yield, payments, and trading features, aiming to help users perform multiple financial operations within a single product. The account is built on the Monad blockchain. Users can use a MetaMask card to make purchases at merchants that accept Mastercard while earning yield on their stablecoin balances. After users choose to participate, they can earn up to 4% variable annual percentage yield by having deposits automatically allocated to decentralized lending protocols such as Morpho. This launch reflects the broader application potential of stablecoins beyond trading and transfers. According to MetaMask data, the stablecoin market has grown to more than $320 billion.