Bitcoin card

Bitcoin card

Bitcoin card

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Bitcoin Debit Card

Вместе с ростом популярности криптовалют возникают вопросы ее применения. И один из основных вопросов - как хранить честно заработанные монеты и как их тратить с комфортом? Сегодня мы расскажем об основных картах для криптовалюты и их особенностях на примере карт для биткоина. Данный материал не является финансовым советом. Обязательно изучите все условия сами и принимайте решение на основе собственных выводов. Как устроен мир пластиковых карт Bitcoin. Итак, вы заходите в любой сервис пластиковых карт Bitcoin и заказываете себе карту. Она будет выпущена самим сервисом, если у него есть банковская лицензия, либо банком-партнером, если лицензии нет. Если счета карты только в фиатной валюте, значит для ее пополнения нужно поменять биткоины в валюту карты и перевести на счет. Для карт со счетами в крипте такой обмен происходит автоматически по внутреннему курсу сервиса или биржи, к которому он привязан на момент совершения транзакции. Теперь о платежах, комиссиях и конвертации. За что у вас могут списывать деньги:. Стоит заметить, что пластиковая карта не привязана к биткоин-адресу напрямую, а привязана к биткоин-счету кошельку в сервисе, выпустившем карту. Это позволяет проводить транзакции почти мгновенно, ведь, как мы все знаем, blockchain такой возможности не предоставляет. Риски метода очевидны: ваши биткоины, по сути, находятся в распоряжении третьей стороны и, если эта третья сторона по каким-то причинам закроется или будет обворована, средства исчезнут. Обзор основных игроков на рынке пластиковых карт для криптовалюты. Эта компания раньше называлась E-coin и затем провела ребрендинг в Wirex в прошлом году. Карта связана напрямую с приложением Wirex на смартфоне. Также вы можете привязывать сторонние приложения, как то PayPal и Skrillex. И хотя карта предусматривает хранение только биткоина, он интегрирована с биржой ShapeShift, что позволяет отправлять на ваш аккаунт все основные криптовалюты. За что нужно платить:. Преимущества Wirex:. Дебетовые карты Сoinsbank дают пользователям доступ к их средств на счетах CoinsBank. Карты могут быть использованы для снятия денег из почти любого банкомата по всему миру. CoinsBank карты также предлагают бонусные очки для покрытия расходов, сделанных с картой. Карта в основном ориентирована на Европу. Работает только с Bitcoin. Xapo - одна из первых компаний, которая начала предоставлять клиентам дебетовые карты для биткоина. Можно сказать, что они уже не первый год в деле. Использовать их продукт можно как обычную пластиковую карту VISA, проводить онлайн-платежи или снимать деньги в банкомате. Как и в большинстве случаев, из валют поддерживаются евро, фунты и доллары. BitPay — одна из самых молодых дебетовых карт. Это самые высокие показатели в данном обзоре. SpectroCoin — единое решение для биткойн, предлагающее биткойн-кошелек, обменник, дебетовые карты и переводы. TenX предлагает мультивалютный кошелек на основе нескольких валют, в частности, Эфириума и альткоинов на его базе правда, пока все операции с альткоинами пока находятся в закрытом бета-тестировании. В список уже входят Ethereum и Dash, но впоследствии к ним добавятся другие популярные валюты вроде Zcash и Litecoin. Основные преимущества:. История создания проекта TenX тут. В Monaco сконцентрированы на миссии создать простые и честные финансовые продукты для улучшения уровня жизни. Еще одна With the Centra Wallet and the Centra Card you will be able to spend your blockchain assets in real time. Сомнительный проект. Когда мы попытались узнать условия, страница была не доступна. Один из первых проектов по созданию дебетовой криптовалютной карты. Пожалуй, наиболее веская причина для использования пластиковых карт, привязанных к крипте — это возможность иметь простой и постоянный доступ к своим средствам и быстро использовать их при резкой необходимости. Например, если вы находитесь в путешествии и ваша обычная банковская карта была заблокирована или украдена, а вам нужно срочно что-то оплатить и нет времени или возможности менять криптовалюту другими способами, можно смело достать коин-карту из кармана и провести платеж. Если же речь идет о повседневном использовании карт, привязанных к биткоин-кошельку и мы говорим о карте, счет которой можно пополнить только биткоинами, то выгода такого варианта весьма сомнительна. Вам придется менять биткоин по курсу на момент совершения транзакции, а это может быть далеко не самый выгодный курс по рынку например, внутренний курс сервиса. Обычные скачки курса биткоина могут сделать транзакцию совсем невыгодной. Куда проще дождаться хорошего рейта, спокойно обменять биткоины на бирже и вывести в одну из платежных систем или на банковский счет. Кроме того, сервисы криптовалютных пластиковых карт используют дополнительные комиссии для проведения транзакций своих клиентов. Читать подборку. О криптовалютах 80 subscribers.

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The search for mainstream adoption remains a central theme in the cryptocurrency space, and crypto debit cards have been seen as a great way to bridge the gap between traditional finance and digital currencies. Bitcoin debit cards allow both cryptos and fiat currencies to integrate in a usable way and cards holders can transfer funds onto their cards and make payments and purchases at restaurants, cinemas, retail outlets, and a host of other places. The cards make it much more straightforward to spend cryptos, and often do not require much of the specialized knowledge that comes with obtaining and storing digital assets. This makes it much easier for the majority of people to get involved with cryptocurrencies and over the past few years a number of companies have ventured into the space in order to provide the public with a range of prepaid debit card spending options. Nexo is a new platform which allows you to take out a loan using your crypto as collateral, this essentially means you deposit cryptocurrency to their platform and they send you cash. Your crypto is not sold, they hold it for you while you pay back the loan. Also because you are not selling, you can avoid paying taxes such as Capital gains tax. The platform is super easy to use, you can get signed up in a couple of minutes and begin the depositing process. For people looking to spend using a card, they offer you the free Nexo Mastercard which allows you to access your money worldwide with no monthly fees and no foreign exchange fees. Visit Nexo. Visit Coinbase. As expected, the card can be used anywhere that accepts Visa payments and customers can use the card to make purchases via contactless, Chip and PIN technology, and also make ATM cash withdrawals. The mobile app is available in both i0S and Android versions and also provides instant receipts, transaction summaries, and spending categories. As expected, the Coinbase card is a great option for anyone who already uses the exchange, and acts as a straightforward method for turning funds held on Coinbase into spendable assets. Coinbase is an established operator, and one of the more respected, and transparent projects in the industry, however, in order to use the card you must have a Coinbase account, and the fees are somewhat higher than other cards that are available. Visit Wirex. While based in London, Wirex provides a comprehensive cryptocurrency-oriented range of personal and business solutions and the company also has offices in Kiev, Ukraine and Tokyo, Japan. Wirex provides a contactless Visa card, and allows you to connect your credit and debit cards, store cryptocurrencies, and purchase Bitcoin and selected altcoins with competitive exchange rates and high limits. You can also exchange between cryptos and fiat, and make low fee direct money transfers. It is also possible to make instant exchanges between these supported currencies using transparent live prices and exchange rates. In order to use the service you will need to create a Wirex account, fund it, and then add funds to your Wirex Visa card. You can fund your account by performing a bank transfer, using a credit or debit card, or by depositing cryptocurrency. Wirex operates a generally low fee service, with a number of functions remaining fee free. There are no commissions or transactional fees, and top-ups, regardless of the method are also fee free. Wirex also operates a Cryptoback Reward Program, and allows you to earn crypto rewards when you use the Visa debit card. You are able to can earn 0. The team have also recently launched their WXT Token which enables further fee discounts and a Cryptoback rate of 1. Wirex is a good option for anyone who wants to spend their funds at any outlets that accept VISA cards, and the range of currencies available, and competitive exchange rates make the Wirex card a good option for travellers. However, the service is currently unavailable in the US, and the company is focused on the European market, and plans to expand into the US and Asia in the future. Visit Revolut. Revolut has been a Fintech success story and has set about disrupting the finance industry through its mobile banking app. The paid plans allow users to access the digital assets integrated into the platform, and purchase Bitcoin as well as Ethereum, Bitcoin Cash, Litecoin, and Ripple. Revolut maintains a standard rate and adds a 1. The process of buying or selling cryptos is relatively quick and straightforward and everything can be done at the touch of a button. Any cryptos held in your account can be sent to your Revolut contacts instantly, and you can spend your cryptocurrencies via a Revolut MasterCard or Visa debit card, as your holdings are automatically converted into your local currency when you make a purchase. However, while being a quick and easy option, Revolut might not be for everyone as you are not in possession of your private keys, and are not able to transfer your crypto holdings outside of the Revolut system, and the mobile bank effectively retains custody of your digital assets. Despite this, Revolut incorporates a range of features that make it a solid choice and these include UK and Euro IBAN accounts, free virtual cards, free overseas medical insurance, free unlimited FX volumes, and delayed flight and delayed baggage insurance. The team are also operating referral and discount programs which should see the app continuing to grow in popularity which should make the apps closed system more useful for anyone also looking to transfer cryptos to friends and family. BitPay is another established operator, and the US based cryptocurrency payments provider has been around since and has onboarded over 10, merchants. BitPay offers a prepaid Visa card to US citizens which can be loaded with funds via a Bitpay account. The debit card is fully operational in 50 United States territories, available nationwide, and is also globally accepted. BitPay users can make payments and purchases via their debit card at a range of outlets that accept Visa cards. As the service is only available to US citizens, in order to use BitPay it is necessary to submit a government ID, a proof of home address document, and a valid Social Security number. In addition, the company also provides a range of business services that allow the easy integration of Bitcoin into everyday business activities. Bitpay is a well established and widely acclaimed company for processing Bitcoin transactions, and their cards are widely accepted around the world. The MCO Visa debit card provides a service best suited to serious cryptocurrency enthusiasts and incorporates an extensive range of card options, digital currencies, rewards, and incentives. The company behind the card has rebranded from Monaco to Crypto. The service is specifically aimed at people based in Singapore and is also currently being rolled out for US citizens and is available in 37 states. There are five MCO cards available and the exact type of service received depends on the card you hold. The MCO card sets itself apart with its range of incentives and rewards and users can benefit from no shipping, setup, monthly, or annual fees for holding MCO tokens. Depending on the card and services desired, the lockup amount ranges from zero to 50, MCO, and users must commit to purchasing MCO tokens and staking them for 6 months. MCO is a great option for anyone with a deep interest in using a wide range of currencies and taking part in staking, it is also best suited to people looking to travel frequently and make use of the cashback programs. The card offers some of the best rewards available; however, it is not yet freely available with the service starting in Singapore, and then moving to the United States, with the European Union, and Canada planned to be covered at some point in the future. Cryptopay allows users to purchase Bitcoin via their bank cards and store BTC on the supplied mobile wallet. The payments solutions provider started in , and currently has over 90 employees with offices in London, Lisbon, and St. Cryptopay also operates the C. Via Cryptopay users can convert the funds held in their Bitcoin Wallet to a supported fiat currency and then load their C. Pay Prepaid Card. Users are also required to pay for a prepaid card by funding their Cryptopay account with Pounds, Dollars, Euros, or Bitcoin and then going through the order process. The number of loads per day, lifetime loads, and value of online transactions are also all unlimited. The limits for verified users with regards to single top ups, maximum daily loads, number of loads per day, lifetime loads, and value of online transactions are the same as the for verified virtual card users. The number of ATM transactions allowed per day rises from two to five when users become verified. While there are no special incentives, Cryptopay is another option for anyone based in Europe, and their unverified card option may prove handy for some while verified accounts can send unlimited amounts online, and have no maximum load value. The SpectroCoin prepaid card is another viable option for anyone based in Europe, however, the team are not currently engaged in offering any incentives or promotions to entice potential customers to choose it over the Coinbase card for example. The instantly available virtual card may also come in handy for anyone looking for a solution that enables them to quickly use their funds to make online purchases. Bitwala is another European cryptocurrency exchange and works in conjunction with German fintech operation Solaris Bank to allow its users to buy and sell Bitcoin, and make both crypto and fiat transfers, with SEPA transfers a significant feature. The contactless Bitwala debit card allows users to instantly exchange their cryptocurrency account balance into Euros and make online or in store purchases, and withdraw funds at the nearest ATM. Users are currently limited to one card per account, and the exchange generally operates a low fee structure with card orders, card transactions, and ATM withdrawals all fee free. The Bitwala team are currently not engaging in any specific promotions or incentives, however, accounts are free and the debit card is quite a low cost option. Bitcoin users in the United States and Europe are currently well served and have a number of cards to choose from with Bitpay being a solid established option for anyone in the US. For people located in the EU, the Coinbase card is another reliable option although it requires users to sign up to the exchange in order to use the debit card, and as a result the Cryptopay card is also a viable option. More frequent spenders and anyone looking to take advantage of discounts, cashback payments, staking, and a wide range of altcoin support should try the MCO card from Crypto. The MCO card range is the most extensive currently on offer and provides more dedicated cryptocurrency users with a variety of incentive programs to keep them engaged. The Wirex card is more simplified alternative, and allows people to spend their crypto holdings while also benefiting from cashback payments and further fee reductions for utilizing the WXT token. All in all, due to the regulatory uncertainty surrounding Bitcoin debit cards, the best options combine a mix of availability, reliability, and security and allow customers to use their cards as desired without too much fuss. It makes sense to choose the debit card service which best suits your needs, and to keep an eye on news developments to make sure that you are always receiving the best service available. Eugene holds a BA Honours Degree in Economics and remains passionate about the transformative potential of digital currencies. In addition to writing for Blockonomi, he is also conducts market analysis for Coincodex and Cyptocalibur. Contact Eugene blockonomi. The fees are low, limits high, there is nothing more to wish for!! You can order Paycent PYN cards worldwide! It also provide staking rewards and free card after 30 days of staking. Currently available on binance DEX. Save my name, email, and website in this browser for the next time I comment. Notify me of follow-up comments by email. Notify me of new posts by email. By Eugene Kem February 21, Advertise Here. Min 9 months ago Reply. Great content guys! Blockonomi rocks. Vesta 8 months ago Reply. John 4 months ago Reply. Alex 4 months ago Reply. Any option for south american residents? Simon 2 months ago Reply. FeelsSouthAmericanMan 2 months ago Reply. No South America cards? Do you know at least one? Kevin 1 month ago Reply. Write A Comment Cancel Reply. Submit Type above and press Enter to search. Press Esc to cancel.

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