Live data · updated daily
Crypto Cards Compared
Crypto cards ranked by the spend DefiLlama counts onchain, over 30 days and by month, with each large card's custody, card network, cashback and FX fee taken from the issuer's own pages. Spend refreshes every day; the terms are checked by hand.
As of 5 November 2026, RedotPay Card had the most spend of any crypto card DefiLlama tracks: $459.0M over the last 30 days, 50% of the $912.0M counted across 19 cards.
Nexo Card ($195.9M) and ether.fi Cash ($139.1M) came next, so RedotPay Card's spend was 2.3 times Nexo Card's and 3.3 times ether.fi Cash's. Tracked spend across all cards was up 3.0% on the 30 days before.
- Tracked card spend, 30 days
- $912.0M
- 19 cards, +3.0% on the 30 days before
- Largest card by spend
- RedotPay Card
- $459.0M, 50% of the total
- Top three cards' share
- 87%
- RedotPay Card, Nexo Card and ether.fi Cash
- Top six cards growing
- 4 of 6
- Last 30 days against the 30 before
Spend updated 5 November 2026 · source DefiLlama · terms checked 5 Nov 2026
30-Day Spend by Card
The 12 largest of 19 cards DefiLlama tracks
Source: DefiLlama · Data to 5 Nov 2026 · Updated daily
View the data
| 30-day spend | |
|---|---|
| RedotPay Card | $459M |
| Nexo Card | $196M |
| ether.fi Cash | $139M |
| Karta Card | $51.4M |
| Plasma One | $29.42M |
| Kolo Card | $15.69M |
| Gnosis Pay | $5.65M |
| Bleap Card | $5.15M |
| Spritz Card | $3.58M |
| MetaMask Card | $2.31M |
| Tuyo Card | $1.97M |
| Exa Card | $1.55M |
Monthly Spend, Six Largest Cards
Complete calendar months, stacked by card. RedotPay Card's BSC and Tron flows are counted from July 2026.
- RedotPay Card
- Nexo Card
- ether.fi Cash
- Karta Card
- Plasma One
- Kolo Card
Source: DefiLlama · Data to Oct 2026 · Updated daily
View the data
| Date | RedotPay Card | Nexo Card | ether.fi Cash | Karta Card | Plasma One | Kolo Card |
|---|---|---|---|---|---|---|
| Nov 2025 | $29.56M | $386M | $36.83M | $6.51M | n/a | $2.8M |
| Dec 2025 | $32.86M | $161M | $55.79M | $7.15M | n/a | $3.31M |
| Jan 2026 | $43.47M | $162M | $54.3M | $9.17M | $128K | $5.08M |
| Feb 2026 | $48.65M | $325M | $53.18M | $8.05M | $259K | $6.26M |
| Mar 2026 | $55.41M | $315M | $62.47M | $17.19M | $1.1M | $7.16M |
| Apr 2026 | $54.1M | $226M | $64.86M | $27.64M | $766K | $8.62M |
| May 2026 | $58.93M | $146M | $79.75M | $34.31M | $3.41M | $10.53M |
| Jun 2026 | $63.28M | $386M | $83.45M | $39.05M | $8.96M | $10.32M |
| Jul 2026 | $296M | $100M | $103M | $58.38M | $15.16M | $14.16M |
| Aug 2026 | $467M | $124M | $109M | $43.68M | $19.89M | $13.42M |
| Sep 2026 | $462M | $188M | $128M | $49.49M | $25.63M | $16.45M |
| Oct 2026 | $471M | $154M | $142M | $53.61M | $30.12M | $16.21M |
Crypto card spend, last 30 days
Updated 5 November 2026 · 19 cards| # | Card | 30-day spend | Share | 30 days vs previous 30 | Latest day vs 30 days earlier | Coverage |
|---|---|---|---|---|---|---|
| 1 | RedotPay CardArbitrum, OP Mainnet, Base +5 | $459.0M | 50% | -0.9% | -5.1% | No flag |
| 2 | Nexo CardBase, Avalanche, OP Mainnet +4 | $195.9M | 21% | +10% | -37% | No flag |
| 3 | ether.fi CashScroll, OP Mainnet | $139.1M | 15% | +9.3% | +11% | No flag |
| 4 | Karta CardBase | $51.4M | 5.6% | +1.4% | +39% | No flag |
| 5 | Plasma OnePlasma | $29.4M | 3.2% | +11% | +14% | No flag |
| 6 | Kolo CardBase, Ethereum, OP Mainnet +2 | $15.7M | 1.7% | -4.5% | +91% | No flag |
| 7 | Gnosis PayGnosis | $5.7M | 0.6% | -23% | -33% | No flag |
| 8 | Bleap CardArbitrum, Ethereum, Base +1 | $5.1M | 0.6% | +6.7% | +5.2% | No flag |
| 9 | Spritz CardAvalanche, Polygon, Base +4 | $3.6M | 0.4% | -1.4% | +31% | No flag |
| 10 | MetaMask CardLinea, Solana, Base +1 | $2.3M | 0.3% | -5.6% | -16% | No flag |
| 11 | Tuyo CardBase | $2.0M | 0.2% | -7.7% | +19% | No flag |
| 12 | Exa CardBase, OP Mainnet | $1.6M | 0.2% | -11% | -41% | No flag |
| 13 | Bitget Wallet CardArbitrum | $426.4K | 0.0% | +39% | -18% | No flag |
| 14 | SafePal CardArbitrum | $261.7K | 0.0% | +19% | -5.0% | No flag |
| 15 | Solayer CardSolana | $232.3K | 0.0% | -62% | -100% | Incomplete: Little or no spend reported in the last 7 days |
| 16 | AviciEthereum | $215.1K | 0.0% | -41% | n/a | Incomplete: DefiLlama counts Relay swaps routed through Avici, not card spend |
| 17 | Kast CardMovement | $177.1K | 0.0% | -17% | -60% | Incomplete: Estimated from MOVE cashback paid on Movement only |
| 18 | Cypher CardOP Mainnet, Base, Avalanche +3 | $25.2K | 0.0% | -63% | n/a | Incomplete: Little or no spend reported in the last 7 days |
| 19 | Holyheld CardGnosis, Arbitrum, OP Mainnet +6 | $141 | 0.0% | n/a | n/a | Incomplete: Little or no spend reported in the last 7 days |
Source: DefiLlama, Crypto Card Issuer category. Chains under each name are the ones DefiLlama tracks for that card. "Latest day vs 30 days earlier" is DefiLlama's change_1m: one day's spend against one day, so it swings more than the 30-day comparison. Left out because they read zero over 30 days: Ready Card.
What the numbers say
- Of the six largest cards, Plasma One (+11%), Nexo Card (+10%), ether.fi Cash (+9.3%) and Karta Card (+1.4%) spent more in the last 30 days than in the 30 before; Kolo Card (-4.5%) spent less; RedotPay Card (-0.9%) was flat. DefiLlama's one-day comparison can point the other way (Kolo Card: +91% on the latest day against 30 days earlier), so judge a card's trend on 30-day totals.
- RedotPay Card alone is 50% of tracked spend, and RedotPay Card, Nexo Card and ether.fi Cash together are 87%. The other 16 cards share 13%, so the category total mostly moves with the top three.
- 5 of 19 cards carry a coverage flag (Solayer Card, Avici, Kast Card, Cypher Card and Holyheld Card), and Ready Card reads zero and is left out. RedotPay Card's BSC and Tron flows are counted only from July 2026. Check a card's flag and method before comparing it with others, since these are DefiLlama's onchain counts rather than totals reported by the issuers.
Card terms: custody, network, cashback and FX
Checked 5 Nov 2026 · issuers' own pages only| # | Card | Custody | Network | Settlement chain | Regions | Base cashback | FX fee | Sources |
|---|---|---|---|---|---|---|---|---|
| 1 | RedotPay Card$459.0M spend, 30 days | Custodial: assets held by Red Dot TrustThe terms also describe an optional self-custody wallet | VisaTerms list Hong Kong and Singapore Visa programmes | Not stated | Not available to citizens of 35 listed countries, including the US and mainland China | Not statedThe Pro plan ($12.90 a month) pays 3% on Apple Pay and Google Pay, with a monthly cap | 1.2% on non-default currencies, plus a 1% crypto conversion fee | TermsFeesCountriesPro plan |
| 2 | Nexo Card$195.9M spend, 30 days | Custodial: EEA clients' assets held by Tangany | Mastercard, issued by DiPocket UAB | Not stated | Citizens and residents of selected European countries | 0.5% in NEXO or 0.1% in BTCCredit Mode only, with more than $5,000 in assets | Weekdays 0.2% (EEA, UK, Switzerland) or 2% elsewhere; weekends 0.7% or 2.5% | CardCustody |
| 3 | ether.fi Cash$139.1M spend, 30 days | Self-custodial: a smart contract Vault per user | Visa, issued by Third National | Optimism | 86 listed countries and territories, plus Belgium, Ireland, 30 US states and DCNo physical card in Belgium or Ireland; applicants outside the list cannot apply | Core tier: 3% on the first $2,000 a month, then 1%, then 0.5%, paid in ETHFI | 1% on non-USD spend, plus 0.5% on Core or 0.25% on LuxeThe help centre applies the FX rate to currencies other than USD or EUR | DocsCardholder agreementCountriesCashbackFX |
| 4 | Karta Card$51.4M spend, 30 days | Self-custody wallet, per Karta's siteThe card terms describe a Karta Account that funds card payments | Visa Signature | Not statedTops up in USDT or USDC on Tron, Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base and Solana | Not available to US citizens | Not statedKarta's cashback is on spending by friends you refer | Visa's 1% on non-USD spend, on top of a 1.5% card payment feeThe card terms allow foreign transaction fees of up to 3% | SiteFeesCard terms |
| 5 | Plasma One$29.4M spend, 30 days | Self-custodial: Plasma One does not hold user assets | Visa, issued by Rain | Not stated | Not statedGeographic and regulatory eligibility limits apply | 2% on Lite, 3% on Core, 4% on Platinum, paid in XPL | Not statedPartner fees are shown in the app; Plasma covers Visa's FX fee on Platinum | Plasma One |
| 6 | Kolo Card$15.7M spend, 30 days | Non-custodial MPC wallet since 1 July 2026 | Not statedThe site says it works wherever Visa or Mastercard is accepted | Not statedThe site says it supports seven networks without naming them | Not statedThe site gives both 60+ and 170+ countries | 2% in BTC | Not statedThe site claims 0% mark-ups on USDT, USDC and EURC; the terms set a 1% base fee on exchange orders | SiteTerms (v3.0.0) |
Taken only from each issuer's website, help centre, docs or terms, checked 5 Nov 2026. "Not stated" means the issuer's pages do not state the field clearly; the note under it says what they do say. Terms change, so check the issuer's current pages before you apply.
How crypto cards work
Who holds the money
Castle's From Neobanks to Onchain Banks sorts these products by custody. Hybrids such as Nexo and Xapo hold user funds in pooled accounts and control the keys, so users carry the platform's counterparty risk. Onchain accounts such as ether.fi Cash keep each user's funds in their own smart contract wallet, which swaps that risk for smart contract risk.
From Neobanks to Onchain Banks →What happens when you tap the card
In the standard model the card issuer sells the user's crypto for fiat at the moment of payment, so the merchant is paid in local currency as with any card. Programme managers such as Baanx and Bridge convert the crypto and rely on an issuing bank to settle, while full-stack issuers such as Rain hold Visa principal membership and settle to Visa themselves. Visa captured over 90% of onchain card volume on the Artemis figures the piece cites.
From Neobanks to Onchain Banks →Spend it or borrow against it
Castle's The Year of the Neobank compares ether.fi Cash and Plasma One. ether.fi Cash pays either straight from a stablecoin balance or by borrowing against ETH, BTC and other collateral, so users can spend without selling. Plasma One puts spending, saving and yield on dollar balances in one app, on a chain designed around USDT.
The Year of the Neobank →Where cards can break
Castle's 1 September 2026 newsletter covered a $1.1 million hack of an outdated Rain contract on Solana. Avici users lost $500k and Tria users $430k, and both refunded users in full plus 10%. Most crypto cards use Rain's card infrastructure, the piece notes, so they share its dependencies.
The Ethena Week, Crypto Cards Hack →How the spend is counted
DefiLlama's open-source adapters count each card's settlement flows onchain rather than spend reported by the issuer. For the larger cards they count:
- RedotPay Card: USDC and USDT sent to RedotPay's known settlement addresses on eight chains, including Tron.
- Nexo Card: USDC and USDT sent to Nexo's known settlement addresses.
- ether.fi Cash: Spend events from ether.fi Cash's contracts on Scroll and OP Mainnet.
- Karta Card: Karta settlements through Rain's settlement contract on Base.
- Plasma One: USDT0 sent into the Plasma One card spend pool.
- Kolo Card: Kolo settlements through Rain's settlement contracts.
- Gnosis Pay: Spend events from Gnosis Pay's spend modules on Gnosis Chain.
- Kast Card: MOVE cashback paid on Movement, divided by Kast's 4% cashback rate.
A card is flagged coverage incomplete when its adapter counts only part of its spend, when DefiLlama counts something other than card spend, or when it reports little or no spend over the last 7 days. Cards reading zero over 30 days are left out. The monthly chart uses complete calendar months only.
Questions and Method
- Which crypto card has the most spend?
- RedotPay Card, with $459.0M of spend over the 30 days to 5 November 2026, 50% of the $912.0M DefiLlama counted across 19 cards. Nexo Card ($195.9M) and ether.fi Cash ($139.1M) were second and third. The ranking is DefiLlama's onchain count, so a card with a coverage flag in the table may be missing spend from its figure.
- How much do people spend on crypto cards?
- $912.0M over the 30 days to 5 November 2026 across the 19 cards DefiLlama tracks, and $264.9M over the last 7 days. The six largest cards together recorded $866.6M in October 2026. These totals count onchain settlement flows only, so spend on cards DefiLlama does not track is not included.
- Is ether.fi Cash self-custodial?
- Yes, by ether.fi's own documentation: each user's funds sit in a dedicated Vault smart contract on Optimism, and ether.fi says neither it nor any third party can access or control the Vault or its keys. ether.fi Cash recorded $139.1M of spend over the 30 days to 5 November 2026, third among tracked cards. Self-custody removes the platform's counterparty risk but adds smart contract risk, as Castle's From Neobanks to Onchain Banks explains.
- Which crypto cards are self-custodial?
- Of the six cards in the terms table, ether.fi Cash, Karta Card, Plasma One and Kolo Card say users keep custody of their funds: Kolo through an MPC wallet since 1 July 2026, and Karta on its website, although its card terms describe a Karta Account that funds payments. RedotPay Card (assets held by Red Dot Trust) and Nexo Card (EEA clients' assets held by Tangany) hold balances with a custodian. Each issuer's custody terms are linked in the terms table.
- Do crypto cards earn yield on your balance?
- Some do, by their own terms. Nexo says Loyalty Program members earn daily interest on unspent funds. Plasma One advertises up to 6% on stablecoin balances, from DeFi protocols, and says it is not guaranteed. When Castle wrote The Year of the Neobank in October 2025, ether.fi Cash could pay from liquidUSD, a yield vault then earning 9.8% APY, so unspent dollars kept earning. Rates change, so check the issuer's current terms.
- Are crypto card balances insured?
- Not by deposit insurance, on the cards checked here. Nexo says EEA holdings are not bank deposits and are not covered by a deposit-guarantee scheme. Karta says it is not insured by the FDIC. Plasma One says funds are not protected by deposit insurance and the balance is not a bank deposit. Castle's From Neobanks to Onchain Banks notes that crypto neobanks offer no FDIC insurance or deposit guarantee. On Visa cards, Visa's own protections, such as Zero Liability for fraudulent charges, still cover the card side of a payment, as the piece explains.
- What is Ethena Pay?
- Ethena Pay is Ethena's neobank. Castle's 1 September 2026 newsletter reported its launch with Avalanche as the settlement layer. DefiLlama does not list it as a crypto card issuer, so it has no spend figure here. The 19 cards DefiLlama does list recorded $912.0M over the 30 days to 5 November 2026.
- Where does this data come from?
- Spend comes from DefiLlama's Crypto Card Issuer category, whose open-source adapters count each card's settlement flows onchain, and Castle Labs refreshes it every day. DefiLlama's change figure (change_1m) compares the latest day's spend with the day 30 days earlier; the 30-day comparison uses its last-30-days and previous-30-days totals. Card terms come only from each issuer's own pages, checked by hand on 5 Nov 2026.
Raw data, refreshed daily: crypto-cards.json. Free to cite with a link to this page.
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