As cryptocurrency adoption grows, more people are looking for practical ways to spend their crypto assets — not just hold or trade them. In the past, many users relied on platforms offering gift cards purchased with crypto as a way to indirectly spend Bitcoin, Ethereum, and other coins. But as regulations tighten, especially within the European Union, many crypto users are now searching for safer, fully compliant alternatives to these older models.
One of the most promising solutions today is Ka.app, a fully regulated crypto platform focused on helping users in the European Union easily convert and spend their crypto through a prepaid Visa card and personal IBAN account, all while staying 100% compliant with EU laws.
In this article, we’ll explain why many users who previously depended on crypto gift card platforms are now switching to services like Ka.app — and how Ka.app offers a simple, regulated, and powerful way to actually use your crypto for daily purchases.
Why Crypto Users Look for Bitrefill Alternatives
In the early years of crypto, spending Bitcoin or other coins in daily life was difficult. Few merchants accepted crypto directly. One common workaround was using services that allowed users to buy digital gift cards for popular retailers using crypto. These gift cards could then be used for shopping, travel, entertainment, or bills — allowing users to indirectly live on crypto.
While convenient at the time, these gift card services often operated with minimal regulatory oversight. Many allowed users to make purchases without any identity verification (no KYC), operated globally without specific licenses, and offered limited consumer protections. As regulators in Europe and worldwide increased their scrutiny, the risks of using such platforms also grew.
Today, European users face several important limitations when using older gift card-based solutions:
- Regulatory changes: The European Union’s Markets in Crypto Assets (MiCA) framework, anti-money-laundering/countering the financing of terrorism, and transfer of funds regulations increasingly require identity verification for all crypto transactions — including gift card purchases.
- Limited flexibility: Gift cards can only be used with specific merchants. Users can’t freely spend crypto wherever they want.
- No cash access: Gift cards don’t allow cash withdrawals or broader financial functionality.
- Lack of long-term stability: Some global gift card platforms may eventually restrict access to EU users to remain compliant with European law.
Unlike gift card services, crypto cards now allow users to spend their crypto assets directly — at millions of merchants worldwide — simply by using a prepaid Visa or Mastercard linked to their crypto balance.
For these reasons, more crypto users — especially those living in Europe — are seeking better, fully regulated alternatives that allow them to use crypto more freely and securely.
Ka.app: A Safer, Fully EU-Compliant Crypto Spending Platform
Ka.app takes a completely different approach. Instead of relying on gift card workarounds, Ka.app offers users in the European Union a legally compliant way to convert and spend crypto like any other currency — fully integrated into the existing banking and payment system.
Here’s how Ka.app solves many of the issues that made older solutions risky or limited:
Full Legal Compliance in the European Union
Ka.app is designed specifically for EU residents. The platform operates under proper EU registration and licensing as a virtual asset service provider. It follows strict EU regulations for:
- Anti-money laundering (AML) and Countering the Financing of Terrorism (CFT)
- Know Your Customer (KYC) identity verification
- Consumer protections
- Data privacy (GDPR)
By focusing exclusively on the EU, Ka.app ensures that its services are legally sound and future-proof. Users don’t have to worry about sudden bans, regulatory shutdowns, or geographic restrictions, because the entire system is built to comply with EU laws from day one.
Mandatory KYC for Maximum Security
Unlike platforms that allow anonymous gift card purchases, Ka.app requires full identity verification (KYC) before allowing users to access its services. Every customer completes a secure onboarding process, providing official identity documents.
While some crypto users may be hesitant about KYC, this system offers major advantages:
- Higher daily spending limits (up to €8,000 per day)
- Full access to financial features (IBAN, Visa card, SEPA transfers)
- Greater platform security and lower risk of fraud
- Long-term regulatory stability
As regulations tighten, services that fail to apply KYC will likely lose access to banking partnerships or EU customers altogether. Ka.app eliminates this concern by operating within full compliance already.
The Ka.app Visa Debit Card: Spend Crypto Anywhere
The centerpiece of Ka.app’s offering is its Visa debit card, which allows verified users to convert and spend crypto for everyday purchases instantly.
- Use your Ka.app card online, in stores, restaurants, and anywhere Visa is accepted.
- Withdraw cash at ATMs across Europe.
- Instantly convert crypto to euros to fund your card balance.
- Enjoy daily spending limits up to €8,000 after KYC verification.
- Freeze or unfreeze your card instantly from the Ka.app mobile app for full control and security.
Ka.app also offers a crypto virtual card, giving users a secure option for online payments and easy management within the app.
This provides far more flexibility than gift card services, allowing you to use your crypto at virtually any merchant worldwide.
Integrated EUR Wallet and IBAN Account
Beyond card payments, Ka.app allows users to open a fully functional EUR wallet connected to a personal IBAN account.
This means you can:
- Receive salary payments, SEPA transfers, or euro deposits directly.
- Convert crypto to euros and withdraw to your personal bank account.
- Combine crypto and traditional euro balances in one app.
- Manage all your finances — crypto and fiat — in a single regulated platform.
For those just getting started, Ka.app also allows users to buy crypto directly with a debit or credit card, making onboarding into crypto fast and convenient.
Why Ka.app Is the Strongest Bitrefill Alternative for EU Users
While traditional gift card platforms served a purpose in earlier stages of crypto adoption, they are now increasingly limited by regulation, regional restrictions, and a lack of flexibility.
Ka.app offers a future-ready alternative that is:
- Compliant with MiCAR, AML/CFT, and KYC requirements.
- Focused on European residents exclusively.
- Integrated with the European banking system (IBAN, SEPA).
- Built for long-term regulatory stability.
- Designed for maximum flexibility with crypto-to-euro conversion.
- Available through a powerful Visa debit card that works anywhere.
For anyone in the European Union who wants to move beyond the limited gift card model and instead use crypto directly for real-world purchases, Ka.app is a simple, safe, and powerful solution.
Crypto spending tools have come a long way since the early days of gift cards. As regulators demand stronger oversight and users seek more practical, flexible options, services like Ka.app stand out as the most reliable way to bridge the gap between crypto and everyday life — while staying fully legal and compliant in the EU.
With Ka.app, you don’t need to rely on complicated workarounds, restricted gift cards, or risky platforms. Instead, you can spend your crypto exactly like fiat — directly, securely, and legally — with the confidence of full compliance.
For EU residents who want to truly live on crypto without compromising safety or legality, Ka.app is one of the best alternatives available today.
Regarding the Italian market, always consider the following disclaimer:
"KASTA CCHS Italy S.r.l. is registered as a VASP in the special section of the OAM Register (Providers of services related to the use of virtual currency and digital wallet service providers) with Number PSV103. As repeatedly highlighted by the Bank of Italy, and in line with the guidelines issued by international bodies (FSB, FATF) and at the European level by ESMA, it is clarified that crypto-assets are highly risky and speculative instruments and are not suitable for most consumers as an investment or a means of payment or exchange. Moreover, the possibility of profit is not guaranteed in any way, also due to market volatility. Crypto assets are not currently subject to the rules on transparency of banking products, payment services, and investment services, and lack specific protections. Therefore, it is necessary to be aware of the risk of loss, including the total loss of the invested capital, fraud, errors, and the absence of protective measures available to customers wishing to invest in crypto-assets. Furthermore, some crypto-assets have no intrinsic value, are not backed by any right to reimbursement, and cannot be considered suitable for payment or investment purposes due to their highly risky nature. Finally, it is noted that the Bank of Italy discourages activities related to crypto-assets. Customers are therefore advised to review and read carefully the contractual provisions available on the website https://www.ka.app/ for completeness!.
