Crypto Cards Gain Ground in Real-World Payments, Surging from $100M to $1.5B: Report

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Crypto card payments jumped from $100M to $1.5B in 2025, surpassing P2P stablecoin transfers as the main on-chain activity driver.

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Summarize with AI

Crypto-linked card payments have surpassed peer-to-peer (P2P) stablecoin transfers as the leading driver of on-chain stablecoin activity.

A new study by blockchain analytics firm Artemis revealed that these transactions have quietly grown into an $18 billion market in 2025.

Crypto Card Payments Overtake P2P Transfers

The report showed that stablecoin volumes processed through crypto cards now surpass direct wallet-to-wallet transfers. Artemis data highlighted that monthly digital payments rose from $100 million to over $1.5 billion in 2025, representing an average annual growth rate of 106% since 2023. Total payments for the year also reached $18 billion, nearly matching the $19 billion in P2P stablecoin activity.

Cards have emerged as the main user-facing access point, with networks like Visa or Mastercard being used for acceptance, while stablecoins continue to serve as the settlement layer.

Visa dominates the segment, processing more than 90% of such transactions through early partnerships with crypto platforms and fintech issuers. Mastercard holds a smaller but rising share, expanding through direct exchange partnerships with firms such as Revolut, Bybit, and Gemini.

Companies like Rain and Reap have also contributed to growth, offering full-stack card issuance and services that support customers and businesses.

Adoption Incentives

The growth of crypto-linked payment cards is driven by three main incentives across the ecosystem. For CEXs and DeFi platforms, they are mainly used as a way to attract and retain customers.

In emerging markets, these financial tools serve as infrastructure for accessing digital dollars. In India, where crypto flows exceed $338 billion, crypto-backed credit cards offer new opportunities in a market where UPI has commoditized debit. Also, in Argentina, where USDC accounts for 46.6% of stablecoin usage, debit cards are widely used as an inflation hedge.

On the other hand, in developed markets, they mainly target high-value stablecoin holders seeking convenient spending. The report concludes by noting that in the future, stablecoins will keep growing, and crypto cards will scale with them.

    
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Source: https://cryptopotato.com/crypto-cards-gain-ground-in-real-world-payments-surging-from-100m-to-1-5b-report/