Tom Kushner MetaMask crypto card officially launches in the United States in collaboration with Mastercard, giving American users full self-custody and global payment access, including New York for the first time.
MetaMask Crypto Card Expands into the US Market
The long-awaited MetaMask crypto card has finally made its debut in the United States, marking a major step toward bridging digital assets with real-world payments. After two years of pilot programs across global markets, the self-custodial wallet giant is rolling out the card nationwide, with availability across 49 states — including New York, a jurisdiction traditionally tough for crypto services to enter. Vermont remains the only exception.
The new launch represents a powerful partnership between Consensys, the company behind MetaMask, and payments titan Mastercard. Together, they aim to simplify crypto spending for users who want control over their assets without sacrificing everyday usability.
Consensys confirmed that the MetaMask crypto card allows seamless payments at over 150 million merchants that accept Mastercard worldwide. It can be used both online and in-store, and also integrates with Apple Pay and Google Pay.
Full Self-Custody Meets Global Payment Freedom
One of the most defining aspects of the MetaMask crypto card is its commitment to user autonomy. Unlike traditional custodial crypto cards that require users to pre-load funds onto exchange accounts, this one enables full self-custody until the point of transaction.
Funds remain under the user’s control inside the MetaMask wallet until they make a purchase, where the card facilitates real-time conversion for payment. This approach not only prioritizes transparency but also reinforces the decentralized ethos of Web3.
Sherri Haymond, Mastercard’s global head of digital commercialization, emphasized that the collaboration reflects the company’s goal of empowering people to use digital currencies securely and conveniently anywhere Mastercard is accepted.
The card’s infrastructure is built in partnership with regulated issuer Monavate and powered by Cross River Bank, which holds US Federal Deposit Insurance Corporation (FDIC) status. The collaboration brings together blockchain innovation and traditional financial safeguards to build user trust in the evolving crypto payments landscape.
Virtual by Default, Metal for the Enthusiasts
The MetaMask crypto card comes in two forms — a virtual standard card and a premium Metal Card. The default version exists digitally and can be activated instantly, while the physical Metal Card offers a tangible connection to the MetaMask wallet.
For $199 a year, Metal Card subscribers unlock 3 percent cashback on up to $10,000 spent annually, zero foreign transaction fees, and increased ATM withdrawal and spending limits. This premium experience is designed for users who want to take crypto spending beyond the digital realm and into everyday luxury.
By introducing these tiers, MetaMask continues to merge DeFi convenience with lifestyle-driven benefits, positioning itself not just as a tool for crypto enthusiasts but as a next-generation payment gateway.
Mastercard and MetaMask Strengthen Crypto Integration
The rollout of the MetaMask crypto card follows a growing pattern of Mastercard’s crypto integrations over the past few years. In 2024, the payment giant ran its first debit card pilot with MetaMask, testing user experience and regulatory frameworks before expanding globally.
In August 2025, Mastercard deepened its collaboration with Circle, the issuer of USDC and EURC, to enable stablecoin settlement for acquirers across Eastern Europe, the Middle East, and Africa. This growing network signals Mastercard’s long-term commitment to enabling tokenized transactions across its payment rails.
Dimitrios Dosis, Mastercard’s regional president for Eastern Europe, the Middle East, and Africa, noted that the company’s strategy focuses on merging stablecoins with traditional finance through scalable infrastructure and governance frameworks.
For MetaMask, this partnership with Mastercard is a strategic leap forward in making crypto practical for everyday life. By offering a self-custodial payment method that seamlessly integrates with existing global systems, MetaMask is reinforcing its role as one of the most trusted bridges between blockchain and mainstream finance.
The Broader Significance of MetaMask Crypto Card
The MetaMask crypto card is more than just a spending tool — it symbolizes a shift in how consumers interact with digital value. For years, crypto wallets primarily served as storage and trading tools. Now, with direct integration into the Mastercard network, those assets can power real-world commerce effortlessly.
This launch also sends a strong message to regulators and traditional financial institutions: crypto is maturing. By complying with state-by-state requirements and entering the challenging New York market, MetaMask proves that innovation can thrive within regulatory boundaries.
Looking ahead, the company plans to expand into more global markets, with Latin America and Asia likely next on the roadmap. If successful, the MetaMask crypto card could become the first globally recognized decentralized payment instrument, blending the worlds of crypto custody, merchant payments, and digital identity.
Disclaimer: Parts of this article were generated with the assistance from AI tools and reviewed by our editorial team to ensure accuracy and adherence to our standards.
