MetAmask推出了有史以来的第一张加密借记卡，重点关注Stablecoins

每天花费加密货币的概念，杂货和账单等定期购买的概念导致发行了几张借记卡，使用户允许用户

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.

在日常购买（例如杂货和账单）上花费加密货币的概念导致发行了几张借记卡，这些借记卡使用户可以轻松地用常规货币花费加密货币。

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，仍然存在摩擦点，例如市场波动，费用和低稳态的采用，这些摩擦力使加密货币借记卡无法真正起飞。

Crypto Debit Cards

加密借记卡

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是一个分散的财务（DEFI）平台和加密钱包提供商，最近使用万事达卡推出了有史以来的第一张加密借记卡。该卡允许用户直接从自我监测的钱包中花费数字资产。

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.

令人着迷的是，这是第一张非常重视固定币（例如Tether（USDT），USD Coin（USDC）和E-Noy-Money代币（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，它仅支持一个挥发性加密，包裹的以太坊（Weth）。该卡还与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.

它的费用结构还可以。 USDC和USDT交易将产生可变但“典型”费用0.02美元。 Weth Transactions将产生类似的费用，但最高额外的0.875％交换费。

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.

这是Zebec，Okx，Kast和Limited Card，这是2025年推出的第五张加密借记卡。所有这些卡都以Stablecoin的付款和低费用作为其主要产品推出。

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.

现在，随着Stablecoin法规被推动穿过美国政府的大厅，Stablecoins越来越多的时间问题超出了加密卡和转换费的范围。

Stable Adoption

稳定采用

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.

最早的加密借记卡是十多年前于2014年推出的。Xapo Bitcoin借记卡是世界上第一张BTC卡。当年晚些时候，Bitpay的预付款BTC/USD签证卡也已推出。

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推出了他们的借记卡，并最终将其产品从BTC扩展到包括以太坊（ETH）等Altcoins。他们是世界上首批多用途借记卡中的一些。

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

借助所有这些卡，支持和产品都取决于该地区。此外，费用通常太高，无法证明每天使用一个。

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%.

当用户使用加密货币卡付款时，需要先将加密货币转换为fiat，然后转移。这产生了高达1％的利差费用，或最高2.49％的固定交易费用。

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.

尽管有些确实提供了慷慨的加密现金返还报价，但这种体验并没有像以前那样无摩擦。但是，直到采用Stablecoin起飞之前。

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.

当推出这些较早的大多数卡片时，Stablecoin领域的两个最大球员几乎没有开始。 Tether（USDT）于2014年启动，Circle的USD硬币（USDC）直到2018年才能到达。

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.

随着美国的努力，在联邦和州一级规范以美元计价的斯ablecoins进行规范。这是为了在数字资产经济中宣称美元的统治地位，并在稳定的，消费者，商人和银行之间开放了新的，无摩擦的，无摩擦的，无摩擦力的。