Here’s how the 2026-2027 cycle will play out:
June → Forced Liquidations
July → Market Reset
August → Accumulation
September → Recovery
October → Bitcoin ATH
November → Bull Trap
December → Market Dump
January → Panic
February → Capitulation
March → Cycle Bottom
Quick reminder: I’ve successfully called every major market top and bottom for the past 10+ years.
I publicly called the $17K BTC bottom in 2022 and the $126K top in 2025.
Missed those calls?
No worries, I'll be early again this year.
If you haven’t followed yet, now is a good time.
Crypto cards have processed over $7.8B in onchain volume, emerging as one of crypto's largest consumer sectors.
But beneath the surface, the market is splitting into distinct categories, each competing to become the default financial layer for crypto users.
So, which crypto card category is positioned to capture the biggest opportunity?
—
● Crypto Cards Are Becoming Crypto's First Consumer Vertical
Most discussions focus on cashback, but the real competition is happening across payments, banking, credit, and onchain finance.
Over $7.8B in volume has been processed, with most activity occurring in the last 12 months.
The top five players account for ~87% of total volume:
• @RedotPay
• @KASTxyz
• @ether_fi
• @useTria
• @gnosispay
Crypto cards have moved beyond experimentation into a category processing billions in real activity.
—
● Two Markets Are Emerging Inside Crypto Cards
Most CT treats crypto cards as one category, but the data shows two very different markets emerging.
• Market #1: Crypto Off-Ramp Infrastructure
RedotPay and KAST focus on moving stablecoins into the real economy through payments and banking services.
With average transaction sizes of ~$819 and ~$783, they're built for capital movement, not daily purchases.
• Market #2: Crypto-Native Spending
EtherFi, Tria, and Gnosis Pay focus on staying onchain while spending directly from crypto assets.
Average transaction sizes range from just $48-$168, reflecting actual consumer spending behavior.
—
● Crypto Neobanks Landscape
The market is expanding into distinct categories, each targeting a different financial use case.
• Crypto Neobanks / Stablecoin Banks
@KASTxyz@AviciMoney@wirexapp@Revolut@Nexo@xapobankapp@DeblockApp@monese@Wise@UpholdInc
• Off-Ramp & Spend Cards
@RedotPay@BitPay@oobit@holyheld@raincards@payy_link@ZyptoApp
• Self-Custodial Spending Cards
@gnosispay@ether_fi@useTria@ready_co@BleapApp@MetaMask@Cypher_HQ_@Solayer_Pay
• Chain Abstraction Cards
@BleapApp@ready_co
• Yield and Spending Cards
@xapobankapp@AviciMoney
• Emerging Market Payment Apps
@itstuyo@yellowcard_app@ChipperCashApp@VALRdotcom@kotanipay@lemonapp_ar@RipioApp@Bitso
• Privacy / Low-KYC Cards
@cryptoBingCard@solcard@LasoFinance@pintopay_me@sat_pay@offgridcash
• Premium Membership Cards
@Nexo
—
Three endgames are emerging: crypto banking, onchain credit, and chain-abstraction financial apps.
KAST and Redot are building crypto banking, EtherFi and Exa are building credit, while Tria is removing blockchain complexity altogether.
The winners won't be the best cards, but the platforms that become crypto's default financial layer.
H/t : @PaymentScan for the data.
LIST OF THE TOP CRYPTO CARDS & NEOBANKS (70+)
People keep asking me:
"What's the best crypto card?"
"Which crypto neobank should I use?"
"Which one works in my country?"
The answer is always: It depends.
After reviewing 70+ crypto cards, neobanks, stablecoin apps and payment platforms, one thing became obvious:
Most people put everything into the same bucket.
But a crypto card ≠ a crypto bank.
And a stablecoin app ≠ a payment network.
Some are built for:
→ spending crypto
→ stablecoin savings
→ global payments
→ IBANs & bank accounts
→ crypto off-ramps
→ freelancers & businesses
→ self-custody users
The biggest thing I learned:
Your country matters more than the app itself.
A product can market itself as "global"...
But cards, KYC requirements, fiat rails and even availability can completely change depending on where you live.
So I put together a simple map showing:
→ Where they work
→ How much KYC they require
→ What type of product they are
Hopefully it saves you a few hours of research 👇
🌍 GLOBAL / MULTI-REGION
• Kast
• Plasma
• Revolut X
• Wirex
• Slashapp
• RedotPay
• SurfCash
• Coinbase Card
• https://t.co/pTfm4MFbGf
• XPlace
• ThorWallet
• Nexo Card
• Plutus
🇪🇺 EUROPE / UK
• Avici Money
• Wise
• Revolut
• Monese
• N26
• Deblock
• Bitpanda
• Plutus
• Bybit Card
• Uphold Card
• Gnosis Pay
🌏 ASIA / MENA
• BitPay
• Holyheld
• Oobit
• MiniPay
• Rain
• Xapo Bank
• COCA
• Payy
🌍 AFRICA / EMERGING
• Tuyo
• Zypto
• Liminal
• Yellow Card
• Chipper Cash
• Kotani Pay
• Busha
• VALR
🌎 LATAM
• Bitso
• Lemon Cash
• Ripio
• Prex
• Zinli
• Belo
• AstroPay
• DolarApp
• Agrotoken
• Bipa
And here's the rough KYC breakdown 👇
🟢 LIGHT / PARTNER KYC
Usually the easiest onboarding.
Examples:
• Wirex
• RedotPay
• SurfCash
• BitPay
• Holyheld
• MiniPay
• Oobit
• Tuyo
• Bitso
• Lemon Cash
• Ripio
• Prex
Often enough for:
→ basic account access
→ limited spending
→ wallet features
🟡 FULL KYC
The most common category.
Usually requires:
→ ID
→ selfie
→ personal information
→ address verification (sometimes)
Examples:
• Revolut
• Monese
• N26
• Deblock
• Bitpanda
• Bybit Card
• Uphold Card
• Xapo Bank
• COCA
• Zypto
• Jupiter
• Zinli
🔴 STRICT / BANK-GRADE KYC
Closest thing to opening a traditional financial account.
May include:
→ source of funds
→ enhanced due diligence
→ higher transaction reviews
→ additional compliance checks
Examples:
• Revolut X
• Wise
• Nexo Card
• https://t.co/pTfm4MFbGf
• Plutus
• Gnosis Pay
• Cashaa
• AstroPay
• DolarApp
• Agrotoken
• VALR
⚫ Lowest / No KYC Options
These are some of the most commonly used privacy-focused crypto cards right now:
• BingCard
• SolCard
• Laso Finance
• NexasCard
• Goblin Cards
• Foton VCC
• PintoPay
• Zentro
And depending on the region / limits:
Bitsika
Payy
XPlace
ThorWallet
⚠️ Important:
"NO KYC" rarely means zero compliance.
Most of these providers still have:
• transaction monitoring
• AML checks
• spending limits
• account reviews
Low onboarding ≠ complete anonymity.
Always do your own research before relying on any provider for significant amounts.
Part 2: Large Tokens That Completed Full VC Vesting⚡️
$ICP, $ETHFI, $LDO, $GRT, $SAND, and $AXL have already gone through their full VC vesting cycles.
📅 $OP is also nearing final VC unlock completion: @Optimism's final unlock for the Investors allocation is scheduled for May 31, 2026.
Crypto cards had a massive week
- Plasma One: EUR, GBP, MXN and BRL deposits + 10% AI cashback
- KAST: USD/EUR accounts
- Whop: launched its own card, built on Plasma
- Avici: key metrics hit ATHs
- RedotPay: free transfers on Sui
- Privy: launched universal deposit addresses
- Reap: Visa Principal Member in Mexico
- Cypher: Stellar integration
- Moto: App Store launch + referrals
- Tuyo: buy now, pay maybe campaign
Onchain neobanks and payment infrastructure keep moving fast
What did I miss?
Which Crypto Neobank Works in Your Country?
A Complete Guide to Crypto Neobanks: Where They Work, What KYC They Need, and How Easy They Are to Open
And believe me, a whole lot more are coming soon.
@CryptoMichNL promotional tweet. and btw, kast is not even one of the top. expensive with their fees for every shit. like small transaction fee, withdrawal fee, top up fee. rather use avalanche card or etherfi or coca card or exa card or whatever else.
@MartiniGuyYT who cares Europe :)) even us from Europe now use offshore exchanges and defi cards from around the world and wallets. lol 😆😆😆 when you hear MICA just run away and close your account.