- MetaMask Card is now available across all 50 U.S. states
- Users can spend crypto directly from self-custody wallets
- Rewards and yield integrations aim to bridge DeFi and everyday payments
Consensys has officially launched the MetaMask Card across the United States, extending availability to all 50 states, including New York. The Mastercard-backed product connects self-custodial wallets to traditional payment infrastructure, allowing users to spend digital assets directly at merchants.
Unlike exchange-linked debit cards, the MetaMask Card does not require pre-funding through a custodial platform. Funds remain in the user’s wallet until the moment of transaction, when assets are converted at the point of sale.
How the Card Infrastructure Works
The program runs on Mastercard’s global payments network, with Cross River Bank acting as the issuing institution. Monavate, previously known as Baanx, provides operational support behind the scenes.
Users can integrate the card with Apple Pay and Google Pay for contactless transactions anywhere Mastercard is accepted. This integration enables crypto holders to interact with existing retail systems without relying on centralized exchanges to hold their funds.
Rewards and Yield Integration
Standard cardholders earn up to 1% back in mUSD, while the MetaMask Metal Card, priced at $199 annually, offers up to 3% cashback on the first $10,000 in annual spending. The metal-tier version also features upgraded materials and premium positioning.
Beyond spending rewards, unspent balances can generate yield through decentralized finance integrations such as Aave. This design aims to combine traditional payment utility with DeFi-native capital efficiency.
Self-Custody at the Core
The key differentiator of the MetaMask Card is its self-custodial structure. Assets remain under user control until conversion is required for payment. This model contrasts with exchange-issued debit cards, where customers must deposit funds into custodial accounts before spending.
For users focused on retaining direct wallet control, this approach reduces counterparty risk while maintaining everyday usability.
Expanding Global Footprint
With the U.S. rollout complete, the MetaMask Card is now live in multiple international markets, including Argentina, Brazil, Canada, Colombia, Mexico, Switzerland, the United Kingdom, and the European Economic Area. Additional expansion is expected.
The nationwide launch marks another step in integrating crypto wallets with mainstream payment systems, narrowing the gap between decentralized finance and traditional retail infrastructure.
