Holding crypto is one thing. Actually spending it in the real world — buying groceries, paying for a subscription, booking a flight — is another challenge entirely. Most mainstream solutions require extensive identity verification, defeating the privacy principles that attracted many people to crypto in the first place.
In this special edition, we look at a few services that let you bridge the gap between your crypto wallet and everyday spending — without KYC.
Pin2Pay
Pin2Pay takes a completely different approach. Instead of issuing you a card through a website or app, the entire experience lives inside Telegram as a bot.
You open the bot, load it with crypto, and you're ready to go. No app to download, no account to create on yet another platform — just a conversation in Telegram.
Telegram Bot
Try Pin2Pay on Telegram
Spend your crypto instantly through Telegram — no app download, no KYC, no friction.
This makes Pin2Pay incredibly convenient for people who already live in Telegram (which, let's be honest, is most of the crypto community). The friction is virtually zero: you're already in the app, you already know how bots work, and the whole process feels native.
BingCard
BingCard offers both virtual and physical debit cards funded directly with cryptocurrency. The concept is simple: load your card with crypto, and spend it anywhere that accepts regular card payments.
What makes BingCard stand out is the no-KYC approach. You don't need to submit ID documents or go through lengthy verification processes. You get a card, you fund it, you spend — that's it.
This is particularly useful for:
- Online purchases where you want to pay with crypto but the merchant only accepts cards
- Subscriptions (SaaS, streaming, etc.) that require a card on file
- Travel expenses where cash or card is the only option
The virtual card is available instantly, making it ideal for quick online payments. For those who want something tangible, the physical card works at any point-of-sale terminal worldwide.
Laso Finance
Laso Finance lets you convert stablecoins — USDC, USDT, DAI — into prepaid cards and gift cards instantly. It supports multiple chains including Ethereum, Solana, Arbitrum, Base, and Polygon, so you can spend from whichever wallet you already use.
The iOS app is particularly well-designed — clean, fast, and straight to the point. Pick your stablecoin, choose a card, and go.
The Trade-Off
Privacy comes at a cost — literally. No-KYC services generally charge higher issuing and transaction fees than their KYC-compliant counterparts. Platforms like Nexo or Trustee, which do require identity verification, tend to offer tighter spreads, lower fees, and sometimes even cashback. If cost efficiency is your priority and you don't mind going through verification, they remain excellent options.
But if what you value most is simplicity and privacy, the premium is often worth it. BingCard and Pin2Pay let you spend your crypto on your own terms — no paperwork, no waiting, no compromises.
So is there a middle ground? A way to get the polish of a traditional card without fully giving up on crypto principles?
Special Mention: Ready.co
If you're okay with KYC, Ready is worth a look. It's a self-custody Mastercard — your USDC stays in your own wallet at all times, and Ready only settles when you tap.
Sleek metal card, up to 3% cashback, 0% FX fees, and unlike most crypto cards, they never have custody of your funds. The KYC is just for the card issuer — not your wallet.
