MetAmask推出了有史以來的第一張加密借記卡，重點關注Stablecoins

每天花費加密貨幣的概念，雜貨和賬單等定期購買的概念導致發行了幾張借記卡，使用戶允許用戶

The concept of spending cryptocurrencies on everyday, regular purchases such as groceries and bills has resulted in the launch of several debit cards that let users spend crypto as easily as they would with regular money.

在日常購買（例如雜貨和賬單）上花費加密貨幣的概念導致發行了幾張借記卡，這些借記卡使用戶可以輕鬆地用常規貨幣花費加密貨幣。

However, there were still points of friction, such as market volatility, fees, and low stablecoin adoption, that have kept crypto debit cards from really taking off.

但是，仍然存在摩擦點，例如市場波動，費用和低穩態的採用，這些摩擦力使加密貨幣借記卡無法真正起飛。

Crypto Debit Cards

加密借記卡

MetaMask, a decentralized finance (DeFi) platform and crypto wallet provider, recently launched its first-ever crypto debit card with Mastercard. This card allows users to spend their digital assets directly from their self-custodial wallet.

MetAmask是一個分散的財務（DEFI）平台和加密錢包提供商，最近使用萬事達卡推出了有史以來的第一張加密借記卡。該卡允許用戶直接從自我監測的錢包中花費數字資產。

Fascinatingly, it’s the first crypto card to focus so heavily on stablecoins such as Tether (USDT), USD Coin (USDC), and e-money tokens such as Monerium’s GBPe and EURe as means of payment.

令人著迷的是，這是第一張非常重視固定幣（例如Tether（USDT），USD Coin（USDC）和E-Noy-Money代幣（例如Monerium的GBPE和EURE））的加密卡。

It currently supports only one volatile crypto, Wrapped Ethereum (WETH). The card also integrates with Apple Pay and Google Pay.

目前，它僅支持一個揮發性加密，包裹的以太坊（Weth）。該卡還與Apple Pay和Google Pay集成在一起。

Its fee structure is okay. USDC and USDT transactions will incur a variable but “typical” fee of $0.02. WETH transactions will incur a similar fee but with an additional 0.875% swap fee on top.

它的費用結構還可以。 USDC和USDT交易將產生可變但“典型”費用0.02美元。 Weth Transactions將產生類似的費用，但最高額外的0.875％交換費。

It’s the fifth crypto debit card to launch in 2025, following Zebec, OKX, KAST, and Limited Card. All of these cards have launched with stablecoin payments and low fees as their main offerings.

這是Zebec，Okx，Kast和Limited Card，這是2025年推出的第五張加密借記卡。所有這些卡都以Stablecoin的付款和低費用作為其主要產品推出。

Now, with stablecoin regulations being pushed through the halls of the U.S. government, it’s just a matter of time before stablecoins proliferate beyond the confines of crypto cards and conversion fees.

現在，隨著Stablecoin法規被推動穿過美國政府的大廳，Stablecoins越來越多的時間問題超出了加密卡和轉換費的範圍。

Stable Adoption

穩定採用

The earliest crypto debit cards were launched more than ten years ago in 2014. The Xapo Bitcoin debit card was the world’s first BTC card. Later that year, BitPay’s pre-paid BTC/USD Visa Card was also rolled out.

最早的加密借記卡是十多年前於2014年推出的。 Xapo Bitcoin借記卡是世界上第一張BTC卡。當年晚些時候，Bitpay的預付款BTC/USD簽證卡也已推出。

In 2015, Coinbase and Wirex launched their debit cards, and eventually expanded their offerings from BTC to include altcoins such as Ethereum (ETH). They were some of the first multi-crypto debit cards in the world.

2015年，Coinbase和Wirex推出了他們的借記卡，並最終將其產品從BTC擴展到包括Ethereum（ETH）等Altcoins。他們是世界上首批多用途借記卡中的一些。

With all of these cards, support and offerings varied depending on the region. Furthermore, fees were often too high to justify using one daily.

借助所有這些卡，支持和產品都取決於該地區。此外，費用通常太高，無法證明每天使用一個。

When users pay with their crypto debit cards, the crypto needs to be converted into fiat first, and then it’s transferred. This incurred a spread fee of up to 1%, or a flat transaction fee of up to 2.49%.

當用戶使用加密貨幣卡付款時，需要先將加密貨幣轉換為fiat，然後轉移。這產生了高達1％的利差費用，或最高2.49％的固定交易費用。

Though some did offer generous crypto cashback offers, the experience wasn’t as frictionless as it could have been. That was, however, until stablecoin adoption took off.

儘管有些確實提供了慷慨的加密現金返還報價，但這種體驗並沒有像以前那樣無摩擦。但是，直到採用Stablecoin起飛之前。

When most of these earlier cards were launched, the two biggest players in the stablecoin sector were barely getting started. Tether (USDT) launched in 2014, and Circle’s USD Coin (USDC) wouldn’t arrive until 2018.

當推出這些較早的大多數卡片時，Stablecoin領域的兩個最大球員幾乎沒有開始。 Tether（USDT）於2014年啟動，Circle的USD硬幣（USDC）直到2018年才能到達。

It comes as the U.S. gears up to regulate dollar-denominated stablecoins at the Federal and State levels. This, to assert U.S. dollar dominance in the digital asset economy and open up new, frictionless, on and off-ramps between stablecoins, consumers, merchants, and the banks.

隨著美國的努力，在聯邦和州一級規範以美元計價的斯ablecoins進行規範。這是為了在數字資產經濟中宣稱美元的統治地位，並在穩定的，消費者，商人和銀行之間開放了新的，無摩擦的，無摩擦的，無摩擦力的。