As stablecoin payments gradually enter everyday consumer scenarios, the connection between crypto assets and traditional payment systems is becoming increasingly direct.

Today, on-chain assets are no longer limited to investment and transfers; they are also being used in a broader range of consumption scenarios—from e-commerce shopping and lifestyle services to social platform subscriptions, and recently, rapidly growing AI tool subscriptions (such as OpenAI, Claude, Midjourney, etc.). Their usage boundaries continue to expand.

In the past, consumers using these scenarios often had to go through steps like withdrawals, transfers, and account switching. As payment networks like Visa and Mastercard continuously integrate with the crypto ecosystem, on-chain assets can now be used directly for payments within the existing system, further simplifying the user journey.

Against this backdrop, BitMart has launched the wallet prepaid card feature. Users can top up the card with stablecoins and spend at merchants globally without needing to transfer funds to a bank account, allowing on-chain assets to integrate more naturally into daily use.

Covering Online and Offline, Multi-Scenario Spending + AI Subscriptions

The BitMart wallet prepaid card supports over 2 million Mastercard/Visa merchants worldwide, covering a variety of spending scenarios. After completing basic verification, users can directly top up the prepaid card balance with stablecoins from their wallet for subsequent spending. The system automatically handles fiat settlement at the time of payment, making the overall experience more similar to a regular bank card and the operation more straightforward.

The prepaid card supports both online and offline use. Users can swipe the card at offline merchants via the Visa/Mastercard network or link it to common payment tools like Alipay, PayPal, Apple Pay, and Google Pay.

For online scenarios, the prepaid card can be used on e-commerce platforms such as Taobao, Pinduoduo, Amazon, and Walmart, as well as lifestyle service platforms like Meituan. It also supports subscriptions and digital services on social platforms like Douyin/TikTok, X (Twitter), Facebook, and Telegram.

Integrating Payment Capability into the Wallet, Not Outside It

In the traditional structure, the wallet manages assets, while payment capability exists outside the wallet. Users need to switch between different systems to complete the entire process from "holding assets" to "actual spending." This separation is conceptually clear but inefficient in practice.

The design philosophy of the prepaid card is to embed payment capability directly into the wallet system. Users do not need to create a separate independent account or migrate assets. They simply complete the card issuance and top-up operations within the wallet to obtain a balance available for spending. Different types of wallets (including mnemonic wallets, smart contract wallets, etc.) can all use this feature. The card is bound to the wallet address and used alongside the wallet.

This structure does not introduce a new asset system but adds a layer of "spending capability" on top of the existing foundation. After users change devices or reimport their wallet, the card still functions normally, maintaining consistent logic. Compared to adding new tools, this approach is more like an extension of the existing experience.

Regarding fees and usage thresholds, transparency and simplicity are maintained: 0 top-up fee, 0 annual fee, and 0 cross-border transaction fee for the physical card.

Virtual and Physical Cards Running in Parallel, Meeting Diverse User Needs

In terms of product format, the prepaid card comes in two types: virtual and physical. The virtual card is primarily designed for online scenarios; it is ready for use immediately after card issuance, suitable for e-commerce shopping, subscription services, and various digital payment needs. For users who frequently need to link payment tools, this format is more lightweight and flexible.

The physical card further covers offline consumption scenarios. Users can make payments at merchants that support card swiping and can also withdraw cash at compatible ATMs, offering an experience closer to a traditional bank card. Compared to the virtual card, the physical card has a broader scope of use, suitable for users who need offline payment capabilities.

These two card types cater to different usage habits and scenarios, respectively meeting online and offline payment needs, providing users with more flexible choices in diverse consumption environments.

For many users, the significance of such products is not just about adding another payment tool but about bringing on-chain assets one step closer to everyday spending.

About BitMart

BitMart is a leading global digital asset trading platform with over 13 million users worldwide. Consistently ranked among the top on CoinGecko, BitMart offers over 1,700 trading pairs at competitive fees. Upholding the principles of continuous innovation and financial inclusion, BitMart is dedicated to providing a seamless trading experience for users globally. To learn more about BitMart, visit the website, follow X (Twitter), or join Telegram for updates, news, and promotions. Download the BitMart App to trade anytime, anywhere.

Risk Warning:

Using BitMart services is entirely at your own risk. All cryptocurrency investments, including wealth management products, are highly speculative and involve significant risk of loss. Past, hypothetical, or simulated performance does not necessarily guarantee future results.

The above information is for reference only and should not be considered advice to buy, sell, or hold any financial asset. All information is provided in good faith. However, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of such information.

All cryptocurrency investments (including wealth management products) are inherently highly speculative and carry significant risk of loss. Past performance, hypothetical results, or simulated data do not necessarily indicate future results. The value of digital currencies may rise or fall, and buying, selling, holding, or trading digital currencies may involve significant risks. Before trading or holding digital currencies, you should carefully evaluate whether such participation is suitable for you based on your investment objectives, financial situation, and risk tolerance. BitMart does not provide any investment, legal, or tax advice.