币界网报道：As stablecoins and payments gradually become the hot crypto narratives of this round, the leading crypto centralized trading platforms (CEX) have laid out the track of users' daily consumption payments, and the ecological layout around crypto credit cards, debit cards and App payments has become increasingly fierce. From Coinbase, Gemini, Crypto.com, to Kraken, Bybit, Bitget, Gate, KuCoin, etc., major trading platforms have launched or upgraded payment products to compete for the connection channel between crypto assets and the real world. Most crypto payment cards support major markets such as the European Economic Area and the United States, and many platforms offer 2%-10% crypto cashback benefits. In this article, Coinjie.com will introduce the latest crypto payment cards or payment apps launched by these trading platforms. Coinbase: Leveraging the American Express network to launch Coinbase One Card On June 13, Coinbase announced the launch of Coinbase One Card, which will be open only to US members of Coinbase One. Coinbase One is the cryptocurrency platform's monthly subscription product, offering zero transaction fees, higher staking rewards and other benefits. In addition, Coinbase has launched a lower-priced "basic" subscription package, supported by the American Express network, and the Coinbase One Card is scheduled to be available in the fall of 2025. Cardholders will be able to get 2% to 4% Bitcoin back, and users can enjoy the experience, protection and other benefits provided in conjunction with the American Express network. Coinbase One charges $29.99 per month, while the basic level with less Bitcoin back charges $4.99 per month or $49.99 per year. This is the first time Coinbase has launched a crypto credit card. It partnered with Visa to launch a crypto prepaid debit card in 2020. Gemini: Return cryptocurrencies by consumption category, emphasizing instant rewards mechanism Gemini attracts users with a more flexible consumption rebate structure. Its annual fee-free credit card supports more than 50 cryptocurrencies as a form of cash back. Get $200 in cryptocurrency if you're approved for the card by June 30, 2025, and spend $3,000 in the first 90 days of account opening. A Mastercard that offers a few perks through the network, including points for Instacart and Peacock Premium, Gemini credit cardholders earn rewards in the form of optional cryptocurrency. Gemini offers rewards on the following types of purchases: · 4% back on the first $300 of gas and electric vehicle charging purchases each month, 1% back on purchases beyond that; purchase cycles reset on the 1st of each month · 3% back on dining purchases · 2% back on groceries · 1% back on all other eligible purchases Gemini supports more than 50 cryptocurrencies, including majors like Bitcoin and Ethereum. Users can change the type of cryptocurrency they earn on their purchases at any time. When applying for the card, you'll need to open a Gemini trading account. Unlike many other credit cards, rewards earned on the Gemini card cannot be directly applied toward repayment. In addition, the Gemini credit card does not charge an annual fee or foreign exchange fees. However, if you sell or convert cryptocurrency rewards, you still need to pay related transaction fees. The annual interest rate (APR) for loans on this card is 17.24%–29.24%, the overdue payment fee is up to $8, and the penalty for failed repayment is up to $35. Crypto.com: Tiered cashback, creating an incentive system for crypto credit cards. In May, the currency network introduced crypto.com's prepaid card, which is similar to a debit card and requires a deposit. In June of this year, crypto.com launched the Crypto.com Visa Signature credit card specifically for the US market. The annual interest rate (APR) for loans on this card is 18.24%–32.24%, which fluctuates according to the credit status and the prime rate (Prime Rate) at the time of account opening; the balance transfer fee is 5% of the transfer amount or $10, whichever is higher; the foreign currency transaction fee is 3% of the transaction amount, calculated in US dollars. Every time you spend with the card, you can get cryptocurrency rewards: Obsidian: 6.5% back in the first year, 5% back thereafter Rose/Icy: 5% back in the first year, 4% back thereafter Jade/Indigo: 3.5% back in the first year, 3% back thereafter Ruby: 2.5% back in the first year, 2% back thereafter Midnight: 1.5% back Note: The first year's reward rate is valid for 12 months from the date of level upgrade or credit card activation. Kraken: Launched the payment app "Krak", and the trading platform Kraken, which is benchmarked against Venmo and Paypal, entered the payment track in the form of an application. On June 26, Kraken officially released Krak: a new generation of integrated global currency application. Users can seamlessly manage more than 300 different fiat currencies and digital assets. The Krak application will have the following features: Peer-to-peer payments: Instantly remit money to other Krak application users in 110 different countries in an affordable way. With Kraktags, a personalized payment ID, users do not need to enter bank details or crypto wallet addressesYou can seamlessly send and request payments across more than 300 assets, including cryptocurrencies, stablecoins, and fiat currencies (where available). · Dedicated spending and earning accounts: seamlessly pay and earn rewards without lock-in periods, minimum deposits, or subscriptions. Eligible users can receive up to 4.1% of USDG stablecoin balance rewards, as well as additional earning opportunities of up to 10% on more than 20 digital assets. · Krak's future development plans: Launch physical and virtual Krak cards, open up seamless consumption of fiat and crypto assets at millions of merchants (online and offline) within the Krak app; a range of prepaid services, including lending, loans, and credit card programs. Bybit: Focus on crypto debit cards, high-level users enjoy 10% cashback The Bybit Card is a Mastercard crypto debit card that allows users to quickly and conveniently use cryptocurrency funds to spend anytime, anywhere. The Bybit Card is available in both virtual and physical versions and is currently open to users in the European Economic Area (EEA) and Switzerland, AIFC, Australia, Brazil, and Argentina. The physical card opening fee is 10 euros, and users in the Eurozone are charged a 2% fee for withdrawals exceeding 100 euros per month. Cryptocurrency transactions are charged 0.9% higher than the Bybit spot exchange rate, and foreign currency conversions are charged 0.5% higher than the Mastercard exchange rate. When shopping, users can enjoy a cashback of 2% to 10%, depending on the Bybit VIP level. During the promotion phase of the card, Bybit offered a 10% cashback to new Bybit cardholders who registered between January 1, 2025 and March 31, 2025. The fiat currency supported by this card is the US dollar. Currently supported cryptocurrencies include: BTC, ETH, XRP, TON, USDT, USDC, MNT and BNB. Bitget: Dual-card layout, Wallet Card and credit card have their own focus. Bitget Wallet Card is a credit card that supports users to use crypto assets for daily consumption conveniently. Currently, the card is jointly issued by Bitget Wallet and Immersve under the Bitget trading platform, based on the Mastercard network. Activate the card through identity authentication (KYC) and get a cashback of 5U. When using the card for consumption, non-US dollar consumption will incur a 1.7% fiat currency conversion fee, which will be automatically deducted when the conversion is made; if the US dollar is used for consumption, no fee is required. Currently, it supports residents of the following countries or regions: European Economic Area and the United Kingdom, Latin America (Argentina, Chile, Colombia, Ecuador, El Salvador, Guatemala, Mexico, Panama and Peru), Australia, New Zealand, and only provides services to whitelisted users. The card opening fee is US$10, which needs to be paid when the card is activated. Cards issued by Immersve have no annual fee or monthly fee, and recharge costs 0. Currently, it supports recharging USDC of the Base network, and you can directly use the assets in the card for consumption. The daily consumption limit is US$5,000 and the annual consumption limit is US$100,000. It supports binding with mainstream third-party payment platforms, including Apple Pay, PayPal, and Google Pay. It can also be used for consumption on many overseas e-commerce and service platforms, including but not limited to: Amazon, TikTok, ChatGPT, Grab, etc. In addition, the Bitget trading platform has also launched a crypto credit card based on the Visa network, which is currently only open to VIP users and can be applied for by invitation. There is no annual fee, the first virtual card and physical card are issued free of charge, the transaction fee is 0.9%, and ATM withdrawals are charged an additional $0.65 plus 2%. Payments of cryptocurrencies are settled in US dollars, and there is no upper limit on Visa card consumption. Cardholders must maintain sufficient balance in their Bitget accounts to successfully pay. Users can use the Bitget card anywhere Visa is accepted. Currently, the Bitget card only supports Tether (USDT), but support for currencies such as BTC, ETH, BGB, and USDC will soon be added. MEXC: European users can apply, with a clear fee structure. The MEXC Mastercard debit card supports applications from users in most countries within the European Economic Area. The recharge fee is 1%, the single transaction limit is 3,000 USDT; the monthly transaction limit is 30,000 USDT; and the card capacity is 100,000 USDT. The transaction fee within the European Economic Area (EEA) is 0, and the transaction fee outside the EEA is 2% (minimum 0.60 euros per transaction). The monthly fee for this card is 1 euro. Although the official introduction of the MEXC card is relatively simple, it may become the entry choice for many European crypto users in the future with its stable cost structure and wide application areas. Gate: Rebates and platform benefits highlight the advantages of consumption scenarios. Gate Card is a crypto credit/debit card product launched by the Gate platform, which aims to make cryptocurrencies serve daily life. Users can trade by recharging cryptocurrencies or directly consuming crypto assets through trading accounts, and at the same time enjoy various benefits inside and outside the platform. The card group currency is Visa-EUR, and there is no card opening fee for both virtual and physical cards. The payment type is top-up consumption, top-up fee: 0.9%, foreign exchange fee: non-Euro 0.2% (within Europe), non-Euro 2% (outside Europe). The daily spending limit is 25,000 EUR, and Gate Card supports Google Pay/ATM. In terms of consumption scenarios, users enjoy 1% USDT cashback for each consumption, 7% hotel and air ticket cashback, Gate Travel exclusive offers, and new users enjoy 2% consumption cashbackFour cryptocurrencies as cashback: You can choose USDT, BTC, ETH, GT as cashback. KuCoin: Exclusive for EEA users, supports real-time crypto exchange KuCard currently supports VISA, and KuCard VISA is only available to citizens and residents of the European Economic Area (EEA). Supports 54 different cryptocurrencies (KCS, USDT, USDC, BTC, ETH, XRP, etc.) and one fiat currency (EUR). The physical card application is 9.99 euros per card, euro transactions are free, non-euro transactions are charged 2%, ATM withdrawals are charged 2 euros, and international ATM withdrawals are charged 2% of the transaction amount. KuCard supports instant cryptocurrency to fiat currency conversion, and the crypto debit card provides cardholders with exclusive rewards and benefits, such as shopping cashback, partner merchant discounts, etc. KuCard sets a monthly cashback cap based on the user's account assets and VIP level. Ordinary users can get a maximum of €30, while high-level VIPs can get a maximum of €250 per month. The debit card supports multiple cryptocurrencies, ensuring that users can use your favorite digital assets in daily transactions. KuCard supports Apple Pay and Google Pay. Conclusion: In general, for most of the past, the battlefield of crypto trading platforms has been mainly concentrated in the spot, derivatives and pledge fields. Now, the payment track has become a new hot spot. From credit cards and debit cards to integrated payment applications and DeFi services, mainstream trading platforms are trying to create a consumer closed loop of "trading is life". Cooperation with traditional financial institutions (such as Visa, Mastercard, and American Express) is still a feasible path at present, but there is no shortage of trading platforms trying to build their own independent wallets and stablecoin ecosystems, such as from Krak to Bitget Wallet. In the second half of 2025, as more trading platform cards are officially rolled out, global competition in crypto payments will enter an accelerated period. Which platform will stand out in the end? Let us wait and see.