The gap between cryptocurrency and mainstream finance and banking is closing. Whether it’s Bitcoin spot ETFs or crypto payment cards, user penetration and daily transactions are skyrocketing.  

Using Visa and Mastercard networks as rails for seamless spending, monthly crypto card transactions exceeded $606 million by March 2026 (Bitcoin Foundation), which is an increase of 3x year over year. The total volume, as reported by the Bitcoin Foundation, reached $6.5 billion across 21.4 million transactions.

Those are massive numbers, and the increase in everything from transactions to global acceptance signals crypto cards are disrupting mainstream banking, especially through the facilitation of stablecoins USDT and USDC, which dominate…