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- MetaMask Card expands crypto spending across 49 US states
- New York users finally gain access to MetaMask payments
- Self-custody remains intact until checkout conversion moment
Crypto wallet users across the United States can now spend digital assets directly from their wallets as the MetaMask Card becomes available in 49 states. This will be the first national reach product to New York as well. Vermont is the only state that has not implemented the rollout.
When asked about the general availability, Consensys, the parent company of MetaMask, asserted that pilot programs in 2024 and 2025 had succeeded. Under this expansion, the US customers are added to the customers in Argentina, Brazil, Canada, Mexico, Switzerland, the United Kingdom, and the European Economic Area countries, where the card is already in operation.
The card is built in collaboration with Mastercard and controlled issuer Monavate (previously Baanx) and linked to the self-custodial wallets of users. The card is issued in the United States by Cross River Bank and works under FDIC insurance coverage.
Also Read: Circle Revenue Explodes 77% as USDC Supply Hits $75.3B Milestone
Self-Custody Maintained Until Point of Payment
Another key aspect of the MetaMask Card is that users have complete access to the digital assets until the time of purchase. This model retains assets within the MetaMask wallet until the checkout process, unlike many crypto debit cards, which require assets to be loaded onto custodial exchanges.
The system exchanges the amount requested at the point of sale when a transaction is made. As a result, users do not send money upfront and do not relinquish the control of the personal keys prior to spending.
Virtual and Metal Card Options Explained
The default issue is the standard MetaMask Card, which is a virtual card. It can be added to Apple Pay and Google Pay by users to make online and offline purchases. The design enables direct digital delivery outside of the physical delivery.
The MetaMask Metal Card is an option available to users who want to have a physical card attached to the wallet, which offers more features. The Metal Card will demand $199 as an annual subscription. It has a cashback of 3% on the initial 10,000 dollars to spend in a year. It also eliminates the foreign exchange transaction fees and raises spending and ATM withdrawal capacities.
Mastercard Network and Global Expansion
The card is accepted in all places where Mastercard is accepted, which is an area of about 150 million merchants all over the world. This broad compatibility allows domestic and international transactions using settled payment rails.
The MetaMask Card is already being used in Argentina, Brazil, Canada, Mexico, Switzerland, the United Kingdom, and European Economic Area countries internationally. The US release thus increases the coverage of the product to key controlled markets.
This new venture also comes after Mastercard has continued to engage in crypto relationships. In August 2025, Mastercard continued its partnership with Circle to allow the settlement of USDC and EURC to acquirers in some regions of Eastern Europe, the Middle East, and Africa.
Having become available in 49 US states today, the MetaMask Card allows self-custodial crypto wallets to integrate directly into the Mastercard payment network to spend on a daily basis.
Also Read: Aave $51M Showdown Explodes as Governance Audit Sparks Chaos.
