Spending cryptocurrency directly on everyday purchases has become much easier thanks to crypto debit cards. These cards bridge the gap between digital assets and real-world spending by converting your crypto into local currency at the time of purchase. One popular example is PaywithMoon, a U.S.-based service known for its non-custodial, no-KYC virtual card model. However, PaywithMoon is only available to users within the United States, leaving European crypto enthusiasts searching for similar solutions. In this article, we explore crypto debit card alternatives to PaywithMoon, focusing especially on ka.app – a crypto finance app offering a Visa debit card for EU users. We’ll compare different types of crypto card models (custodial vs non-custodial, virtual vs physical, browser extension vs app-based) and provide a brief guide to getting started with ka.app. Whether you’re crypto-savvy or a newcomer, this guide will help you understand how to spend your crypto in everyday life.
Why Use a Crypto Debit Card?
Crypto debit cards allow you to make crypto a part of your daily lifestyle. Instead of holding coins purely as investments, these cards let you spend Bitcoin, Ethereum, stablecoins, and other tokens for routine expenses – from groceries to online shopping – just like you would with a regular bank card. The card provider handles conversion: when you pay at a store or online, the cryptocurrency in your wallet is converted to euros (or other local currency) for the merchant. This means you can pay with crypto anywhere that accepts Visa or Mastercard, without the merchant even knowing crypto was involved.
Another big benefit is speed and ease. Crypto cards eliminate steps in the spending process. Rather than selling crypto on an exchange, withdrawing to a bank, then spending, a crypto debit card does the conversion in one go during the purchase. Some cards even offer perks like cashback rewards in crypto. In short, a crypto debit card gives you the flexibility of cash with the upside of crypto, all in one piece of plastic (or virtual card).
To explore more about the core benefits of crypto cards, check out the top crypto card features and advantages.
However, not all crypto debit cards work the same way. The approach used by PaywithMoon is just one model. To choose the right alternative, it’s important to understand the different types of crypto card models available.
Comparing Crypto Card Models: Custodial vs. Non-Custodial
Custodial vs. non-custodial refers to who holds the crypto funds before you spend them. This distinction affects your control over the assets and the user experience:
- Non-Custodial Crypto Cards: These do not require you to deposit your crypto with the card provider. Instead, your crypto remains in a wallet you control until the moment you make a purchase. Non-custodial cards eliminate third-party risk and give you full control of your funds. They typically work by connecting to your wallet and instantly converting crypto from your wallet to fiat when you swipe the card or pay online. A big advantage is that you don’t have to pre-load money onto the card. This model is great for privacy and security-minded users. On the downside, non-custodial solutions can be less widely available and may come with spending limits or technical complexity.
- Custodial Crypto Cards: These are the more common model. You hold a balance with the card provider, similar to a bank or exchange account. When you use the card, the provider converts your stored crypto or fiat balance into the transaction currency. Custodial cards usually require KYC (identity verification). While this means giving up some privacy, it also means the service operates under financial regulations that can provide consumer protections. The trade-off with custodial cards is convenience and broad accessibility vs. personal control.
Virtual vs. Physical Crypto Cards
- Virtual Crypto Cards: A virtual card provides a card number, expiration date, and CVV code – but there’s no physical plastic. These are meant for online shopping or linking to mobile wallets. Virtual cards are convenient and can be created instantly. They’re excellent for online purchases and offer an extra layer of security. However, they can’t be used at ATMs or in most physical stores unless linked to a mobile wallet.
- Physical Crypto Cards: A tangible Visa or Mastercard. Useful for brick-and-mortar shops, restaurants, or withdrawing cash from ATMs. Most providers offer both virtual and physical cards. A physical card often arrives by mail and works anywhere Visa or Mastercard is accepted.
Browser Extension vs. App-Based Solutions
- Browser Extension-Based: This model integrates with your web browser to facilitate crypto payments during online shopping. Extensions inject payment options directly into checkout pages and work well for e-commerce. The downside is limited usage: they typically only work online and don't support in-store purchases or ATM withdrawals.
- App-Based (Mobile/Web): This is the standard model used by most custodial services, including ka.app. You manage everything through a mobile app: conversion, wallet, debit card settings, etc. It often includes both crypto and fiat wallets. App-based models offer complete control and ease-of-use, including in-person spending, ATM access, and mobile wallet integration.
Ka.app – A Crypto Debit Card Solution for EU Users
Ka.app is a crypto wallet and finance app offering a Visa debit card to users in the European Economic Area (EEA). All users must pass KYC verification, and the service is fully compliant with EU regulations. It offers:
- Visa Debit Card: Spend crypto by converting it into euros through the app. You can pay in stores, online, or withdraw from ATMs.
- Euro IBAN Account: Receive, hold, and send EUR alongside crypto. Supports SEPA transfers and salary deposits.
- Multiple Cryptos Supported: Bitcoin, Ethereum, stablecoins, and other top coins.
- Instant P2P Transfers: Free, real-time transfers between ka.app users.
- Security: Assets are protected by industry-leading security infrastructure.
Getting Started with Ka.app
- Check Eligibility: Available only in EEA countries. Must be 18+ and pass KYC.
- Download the App: Sign up via Android or iOS.
- Verify Identity: Upload valid documents and complete verification.
- Activate EUR Wallet: Set up your Euro balance and IBAN.
- Order Debit Card: Request the card via the app.
- Fund Your Account: Deposit crypto or EUR. Convert crypto to EUR to spend.
- Use the Card: Pay in stores or online, or withdraw cash from ATMs.
To learn more about how to start your crypto journey using a mobile phone, see the step-by-step guide to buying crypto on mobile.
You can also buy crypto directly with your credit or debit card inside the app for added convenience.
If you're a crypto user in Europe looking for an alternative to PaywithMoon, ka.app offers a practical, regulated, and user-friendly solution. Whether you want to shop online, withdraw cash, or use crypto like everyday money, ka.app bridges the gap between your digital assets and real-world spending. With a focus on security, compliance, and ease of use, it’s a solid choice for anyone ready to live on crypto in the EU.
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!.
