MetaMask Debuts Nationwide Crypto Card with Mastercard Partnership and Self-Custody Features

Key Highlights

• National availability reaches 49 states, including New York for the first time; Vermont remains unavailable.
• True self-custody model keeps digital assets in your wallet until the moment of purchase.
• Compatible with Apple Pay and Google Pay, plus virtual card functionality for easy transactions.
• Cross River Bank provides issuance; Monavate delivers infrastructure; Mastercard supplies network coverage.
• Earn up to 1% cashback in mUSD, or upgrade to 3% rewards with the $199 annual Metal Card membership.

The popular crypto wallet provider MetaMask has significantly broadened its payment capabilities following Consensys‘s announcement of a nationwide launch for its Mastercard-backed crypto card. This new offering features a self-custodial architecture that preserves complete user ownership of digital assets until the point of transaction. New York residents can now access the service, marking a major expansion in mainstream crypto payment adoption.

Nationwide Availability Now Live

The payment card seamlessly bridges MetaMask wallet holdings with established financial infrastructure, enabling both digital and physical retail transactions. Payment options include integration with Apple Pay and Google Pay platforms, alongside a virtual card that activates upon account approval. The system executes cryptocurrency-to-fiat conversion at the point of sale while maintaining traditional card usability.

The offering leverages Mastercard’s worldwide acceptance network while operating within regulated frameworks. Cross River Bank serves as the card issuer and handles all necessary compliance procedures. Monavate provides the technical backbone that connects wallet balances with merchant payment systems.

Direct Wallet Spending Without Intermediaries

The MetaMask Card employs a completely self-custodial design that maintains assets on-chain right up to the transaction moment. Users maintain full wallet sovereignty without transferring funds to third-party holding accounts. Upon transaction authorization, the card executes immediate asset conversion.

This architecture represents a departure from conventional crypto payment cards and seeks to enable frictionless direct spending. The transaction approval process replicates familiar debit card mechanics while maintaining blockchain connectivity. The platform accommodates multiple token types and processes settlements in real time.

The card effectively bridges on-chain asset storage with everyday commerce. Digital holdings stay under complete user authority until the conversion executes. This design facilitates direct expenditure without requiring centralized exchange platforms.

Tiered Reward Program and Premium Option

MetaMask has introduced an on-chain incentive system that converts spending activity into redeemable rewards. Base-tier cardholders receive up to 1 percent back in mUSD tokens. Premium Metal Card members receive up to 3 percent back on their initial $10,000 in annual purchases.

The Metal Card tier costs $199 per year and unlocks enhanced spending capabilities. This premium option eliminates foreign transaction charges and expands ATM network access. Subscribers also receive an exclusive physical card design connected to their digital wallet.

Reward redemptions unlock various ecosystem benefits and provide entry to emerging programs. The card connects with DeFi platforms such as Aave to enable yield generation on qualifying balances. Geographic availability will continue expanding as MetaMask scales its global payments infrastructure.

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