Visa Crypto Card Spending Jumps 525%: Is Mainstream Adoption Finally Here?

Ben Graham · ontem às 09:13

Visa-linked crypto card spending jumped 525% in 2025, rising from $14.6M to $91.3M in net spend, according to a Dune dashboard from @obchakevich research. This shift fits a broader pattern. Stablecoins and payment rails now carry trillions of dollars in monthly volume, turning crypto from speculation into something closer to digital cash.

That growth from Visa crypto spending occurred even as prices fluctuated widely throughout 2025, with Bitcoin Bitcoin BTC $92,086.01 0.94% Bitcoin BTC Price $92,086.01 0.94% /24h Volume in 24h $47.97B Price 7d Learn more and Ethereum both seeing sharp pullbacks and rallies throughout the year. The bigger story sits above daily price charts: people are using crypto less like a lottery ticket and more like a TradFi wallet.

The crypto market has suffered a minor setback today (January 7), following a strong start to 2026. The combined market cap is down 1.6% to $3.24 trillion, with Bitcoin down -1.9% to $91,700. If BTC USD can hold above $90,000, the bullish market structure remains intact, making further upside in 2026 a strong possibility.

(SOURCE: @obchakevich research)

What Is Driving the Surge in Visa Crypto Card Spending?

A crypto card works like a normal Visa debit card, but it pulls funds from your crypto balance. When you tap to pay, the card converts crypto into local currency behind the scenes. For beginners, think of it as a translator between blockchain money and the regular banking world.

According to Reuters, Visa partnered with Bridge to launch stablecoin-linked cards across Latin America. Stablecoins like USDC and USDT are pegged to the US dollar, reducing price volatility at checkout. That stability explains why everyday spending took off.

Data from show that EtherFi-led cards accounted for $55.4M in annual spending. That concentration suggests users prefer cards tied to predictable balances to volatile tokens.

Another factor boosting Visa crypto card spending is the emergence of Avici, a Solana-based Neo bank offering a self-custody Visa crypto card. It is a payment platform that lets users spend their digital assets without selling them. Via its Visa-powered card, users can access instant credit lines backed by their crypto, make purchases, and withdraw cash while retaining ownership of their funds.

For a new project that only launched in September 2025, users have already spent over $7M on their Visa crypto cards, highlighting the demand and popularity of Avici and its Neo bank offerings.

DISCOVER: Top Solana Meme Coins to Buy in 2026

Why Does the Surge in Visa Crypto Spending Matter and What are the Risks?

This trend answers a common beginner question: “What can I actually do with crypto?” You can now pay for groceries, subscriptions, and travel without using cash. That usability lowers the fear barrier.

It also strengthens the case for stablecoins. We recently reported that stablecoin transfer volumes reached record levels, indicating that demand for digital dollars continues to climb. Cards are the final step that brings those dollars into daily life.

For long-term investors, this kind of spending supports networks like Ethereum ETH $3,223.64 0.90% Ethereum ETH Price $3,223.64 0.90% /24h Volume in 24h $21.22B Price 7d Learn more and Solana. More transactions mean more real activity, not just trading noise.

LATEST: Visa crypto card spending surged 525% in 2025, jumping from $14.6 million to $91.3 million, with EtherFi leading at $55.4 million as crypto continues to transition to a mainstream payment tool. pic.twitter.com/zdpEgeFJPg

— CoinMarketCap (@CoinMarketCap) January 5, 2026

Crypto cards are not risk-free. You still trust the card issuer and the app holding your funds. If that company freezes accounts or fails, access can vanish fast. Fees also hide in the fine print. Conversion spreads, ATM charges, and foreign transaction costs add up. Treat these cards as spending tools, not savings accounts.

While Avici aims to cement its position as a one-stop shop for users, replacing the need for a traditional bank, it is still early days, and users should proceed with caution, as the platform is in its infancy.

For Avici and any other Visa crypto card, the most important rule is not to store bill money or mortgage/rental funds on a crypto card. Keep only what you plan to spend. While this could change in the future, it remains a volatile space and should be treated accordingly.

DISCOVER: Top 20 Crypto to Buy in January 2026

Follow 99Bitcoins on X for the Latest Market Updates and Subscribe on YouTube for Daily Expert Market Analysis

The post Visa Crypto Card Spending Jumps 525%: Is Mainstream Adoption Finally Here? appeared first on 99Bitcoins.