MetaMask and Mastercard have officially launched the MetaMask Card across the United States, expanding the self-custodial payment product to 49 states, including New York for the first time. The card lets users spend digital assets directly from their own wallets without preloading funds into a custodial account before making purchases.
Self-custodied assets now link directly to card payments
The product connects wallet-held crypto to Mastercard’s payment rails, allowing cardholders to pay anywhere Mastercard is accepted, both online and in physical stores. MetaMask said users keep control of their funds until the moment of purchase, when conversion and payment are completed at checkout.
The U.S. launch follows earlier pilot programs in Europe and the UK. It also comes after a year-long U.S. trial that began in late 2024, with broader availability now in place.
Apple Pay and Google Pay support included
The MetaMask Card is issued by Cross River Bank, which is FDIC-insured. It runs on Mastercard’s global network and uses technology from Monavate, formerly known as Baanx. The card also supports Apple Pay and Google Pay, giving users access to contactless digital wallet payments.
According to the announcement, the card can be used at more than 150 million Mastercard merchants worldwide, putting it within the same everyday payment flow as conventional cards.
mUSD rewards tied to card spending
Rewards are a central part of the rollout. Standard MetaMask Card users can earn up to 1% back in mUSD on purchases. Premium users under the MetaMask Metal subscription, which costs $199 per year, can earn up to 3% back on the first $10,000 spent annually, along with extra travel and spending perks.
Gal Eldar, Product Lead at MetaMask, said the goal was to make crypto usage blend into daily payments so that the distinction between onchain and offchain activity becomes less visible in practice.
Push to extend crypto utility into everyday commerce
The launch shows MetaMask’s attempt to bring DeFi-held assets into ordinary retail spending while keeping self-custody intact. It also places the company alongside other crypto-native card programs that are trying to expand real-world payment use for digital assets.