2026-01-15 20:00:26

Let me break down what's really going on with crypto cards.

Here's the thing—crypto cards aren't killing Visa or Mastercard. They're actually built on top of them.

How it works: stablecoins provide the actual funding. The card network supplies the merchant acceptance infrastructure. You're essentially converting your on-chain assets into fiat instantly at the point of sale, then the card rails handle the rest.

It's a hybrid model. You get the speed and efficiency of stablecoins in your wallet, combined with the ubiquity of traditional payment networks. Neither one gets replaced—they work together.

That's why adoption is ramping up. It's not about disrupting the payment oligopoly. It's about giving users another option by layering crypto on top of existing infrastructure.

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DevChive

· 01-15 20:30

Basically, it's just wearing a crypto disguise to suck Visa's blood; it can't really overturn anything.

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Web3ExplorerLin

· 01-15 20:21

hypothesis: the payment layer just became a bridge protocol masquerading as a card ngl

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DoomCanister

· 01-15 20:13

Honestly, a cryptography card is just a Visa with a different skin; it can't really revolutionize anything.

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MiningDisasterSurvivor

· 01-15 20:12

I've been through all of this, I'm too familiar with this routine... It's layering, hybrid, and "giving users a choice." Basically, Visa continues to profit, and our stablecoins are just intermediaries. How can true disruption still rely on their infrastructure...

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