什么是加密信用卡？

加密货币作为一种新兴资产类别越来越受欢迎，但您知道您也可以将它们用作货币吗？在使用比特币支付产品和服务时，我们现在拥有比以往更多的选择，我们可以通过加密信用卡和借记卡来实现。

Encrypted money is becoming increasingly popular as an emerging asset class, but do you know that you can also use it as a currency? When using bitcoin to pay for products and services, we now have more options than ever before, and we can do it by encrypting credit and debit cards.

很久以前，加密货币的法定网关数量非常有限。用户大多仅限于电汇和比特币 ATM。但近年来，随着 Visa 和 MasterCard 等金融巨头开始“采用”比特币和其他数字资产，环境发生了巨大变化。

Long ago, the number of legal gateways to encrypted currency was very limited. Users were mostly limited to wire transfers and Bitcoin ATM. But in recent years, the environment has changed dramatically as financial giants like Visa and MasterCard began to “adoption” of bitcoin and other digital assets.

但是什么是加密信用卡和借记卡，它们是如何工作的？

But what are encrypted credit and debit cards and how do they work?

什么是加密信用卡/借记卡？

加密信用卡和借记卡一点也不令人困惑，事实上，它们的功能与普通支付卡相同。唯一的区别是您使用加密货币来支付产品和服务费用。

Encrypted credit and debit cards are not confusing at all; in fact, they have the same function as ordinary payment cards.

但是，您必须了解，人们不会直接使用比特币、以太坊或其他加密资产进行支付。使用这些卡时，您的数字资产将转换为当地法定货币，然后发送给商家。

When you use these cards, your digital assets are converted into local legal currency and sent to the business.

加密信用卡在两个全球金融网络 Visa 和 MasterCard 的帮助下得到支持。在收到公司的许可后，加密公司将向您发行一张加密卡，任何接受 Visa 或 MasterCard 付款的商店都支持该卡。

Encrypted credit cards are supported with the help of two global financial networks, Visa and MasterCard.

这些卡是给谁的？

您是否完全接受了数字资产的世界，您是否认为法定货币一文不值？那么加密信用卡是您的完美选择！您将不再受制于美元、日元和欧元，因为您可以随时自由地使用加密货币。

Do you fully accept the world of digital assets? Do you think that the legal currency is worthless? Then an encrypted credit card is your perfect choice? You will no longer be subject to the United States dollar, Japanese yen, and euro, because you can use the encrypted currency freely at any time.

加密信用卡和借记卡使您的资产更加便携，因为您基本上一直随身携带它们。想在一家不错的餐厅吃晚餐还是在星巴克喝杯咖啡？只要他们接受 Visa，您就可以使用加密货币付款并在几分钟内完成交易。

Encrypted credit cards and debit cards make your assets more portable, because you basically carry them with you. Do you want to have dinner at a nice restaurant or a cup of coffee at Starbucks? If they accept Visa, you can pay in encrypted currency and finish the transaction within a few minutes.

以前，几乎不可能在商店中使用加密货币，因为交易最多需要 30 分钟。但是使用基于 Visa 的加密支付卡，您根本没有这个问题。

In the past, it was almost impossible to use encrypted currency in a store because the transaction would take up to 30 minutes. But using an encrypted payment card based on Visa, you have no problem at all.

加密卡如何工作？

加密货币卡的商业模式以及您花费和存储数字资产的方式不同。有些可能不会给你任何奖励，有些每月提款限额很严格，有些甚至会迫使你失去托管特权。

The commercial mode of encrypted money cards and the way you spend and store digital assets is different. Some may not give you any incentive, some may have strict monthly withdrawal limits, and some may even force you to lose custody privileges.

如果我们谈论托管，我们将平台分为需要您创建专用钱包的平台和能够使用您的个人钱包的平台。

If we talk about hosting, we divide the platform into a platform that requires you to create a special wallet and a platform that allows you to use your personal wallet.

在第一种情况下，您必须将您的资产转移到新钱包或平台的钱包中。

In the first case, you must transfer your assets to the wallet of a new wallet or platform.

否则，您可以将您的加密信用卡与您已经使用的钱包连接起来。通过这样做，您仍然是您的数字资产的唯一所有者和运营商。

Otherwise, you can connect your encrypted credit card to your already used wallet.

将加密货币与卡连接后，您就可以开始购买和付款了。如前所述，所有加密货币在使用该卡时都会转换为法定货币。但是，某些平台可能会要求您在向卡充值之前将您的加密货币转换为法定货币。

When you connect the encrypted currency to the card, you can start buying and paying for it. As mentioned earlier, all encrypted currency is converted to the legal currency when you use the card.

由于所有卡均由 Visa 或 Mastercard 授权，因此它们具有与普通信用卡相同的限制和规定。例如，您有最大余额、最大每日付款、每月提款限额等。

Since all cards are authorized by Visa or Mastercard, they have the same restrictions and requirements as normal credit cards.

某些平台采用忠诚度系统，不同的用户组可以访问不同的功能。在这种情况下，现金返还奖励是最常见的功能。甚至可能有一些层级，您可以通过这些层级访问更好的卡限制，您可以通过抵押加密货币来解锁。

Some platforms use loyalty systems, and different user groups can access different functions. In this case, the cash return reward is the most common feature.

前 3 名加密借记卡和信用卡

2022 年，基于加密的支付卡比以往任何时候都多。由于很难找到最有效的平台，我们创建了三种最佳加密信用卡和借记卡的列表。

In 2022, there were more encrypt-based payment cards than ever before. Because of the difficulty of finding the most effective platform, we created a list of three best encrypted credit and debit cards.

Crypto.com 比该领域中的任何其他平台都要好，它通过 MCO Visa 卡提供最流行的加密卡解决方案。事实上，这家总部位于香港的公司是该市场领域的先行者，现在每天处理数百万美元。

Crypto.com is better than any other platform in the field, providing the most popular encryption card solution through the MCO Visa card. In fact, this Hong Kong-based company is a pioneer in the market and now handles millions of dollars a day.

MCO Visa 卡只是一张借记卡，用户可以通过它使用他们的加密货币。但与其他解决方案相比，它的独特之处在于它不会强迫持卡人在为卡提供资金时将其资产兑换成法币。

The MCO Visa card is a debit card through which users can use their encrypted currency. But, compared to other solutions, it is unique in that it does not force cardholders to convert their assets into French when they finance the card.

该卡还因其高效的现金返还奖励系统而广受欢迎。Crypto.com 奖励持卡人高达其总交易的 5%，这些交易通过本地 MCO 加密货币分配。

Crypto.com rewards card holders for up to 5% of their total transactions, which are distributed via local MCO encrypted currency.

该公司提供了许多用户可以访问的层级，每个卡层都满足某些需求。这就是魔术开始的地方，因为更高的等级要求您质押 MCO 代币以解锁更好的卡。因此，我们有一个积极的反馈循环，它会显着影响 MCO 代币的价格，您可以通过持续使用该卡来赚取这些代币。

This is where magic starts, because higher levels require you to pledge MCO tokens to unlock better cards. So we have a positive feedback loop that will significantly influence the price of MCO tokens, which you can earn by using the cards on a continuous basis.

另一个积极的方面是 Crypto.com 在世界上几乎所有的司法管辖区都提供它的卡。在撰写本文时，来自英国、欧盟、美国、新加坡、香港、韩国、泰国、越南、澳大利亚、菲律宾和新西兰的用户可以注册一张卡。当然，该公司也计划扩展到其他地区。

Another positive aspect is Crypto.com, which provides its cards in almost all jurisdictions around the world. At the time of writing, users from the United Kingdom, the European Union, the United States, Singapore, Hong Kong, South Korea, Thailand, Viet Nam, Australia, the Philippines, and New Zealand could register a card.

使 MCO Visa 卡受欢迎的是 Crypto.com 生态系统本身。在其中，用户可以访问智能手机应用程序、加密货币交易所、钱包、抵押服务、贷款，甚至自动交易。

The Crypto.com ecosystem itself is popular with the MCO Visa card. Users have access to smartphone applications, encrypted money exchanges, wallets, mortgages, loans, and even automated transactions.

对于大多数人来说，这似乎是市场上最好的加密借记卡。

For most people, this seems to be the best encrypted debit card on the market.

Wirex 自 2014 年开始运营，是加密货币爱好者的另一个安全选择。Wirex 总部位于英国，是最早提供加密借记卡的公司之一。

Wirex has been operating since 2014 and is another security option for encrypt money fans. Wirex, based in the United Kingdom, is one of the first companies to provide encrypted debit cards.

付款后，Wirex Visa 卡将立即以最佳银行间和场外交易汇率将您的数字资产转换为当地货币，而无需支付任何兑换费用。该卡支持 18 种单独的加密货币和传统货币。

The Wirex Visa card immediately converts your digital assets to local currency at the best interbank and off-site exchange rates, without paying any exchange cost. The card supports 18 separate encrypted and traditional currencies.

该公司将其产品作为出国旅行的最佳解决方案进行营销。以当地货币支付的所有款项将为您每笔交易节省 3%。就像在您自己的国家使用该卡一样，Wirex 在海外也不向您收取兑换费和高转换率。

The company sells its products as the best solution for travelling abroad. All payments in local currency will save you 3% of each transaction.

虽然 Wirex 的卡提供了非常好的服务，但与 MCO 签证卡相比，它的功能要差得多。例如，这种加密借记卡对 ATM 提款实施每月最高 400 美元的限额。此外，现金返还奖励要低得多，每笔交易只有 1.5%。

Although Wirex’s card provides a very good service, it is much less functional than a MCO visa card. For example, this encrypted debit card imposes a ceiling of $400 per month on ATM withdrawals. In addition, the cash return reward is much lower, at 1.5 per cent per transaction.

相比之下，Crypto.com 的卡具有 5% 的现金返还和每月超过 2,000 美元的提款。此外，与竞争对手相比，Wirex 卡收取更高的费用。

Crypto.com, by contrast, has a 5% cash return and a withdrawal of more than $2,000 per month. In addition, Wirex cards charge a higher fee than competitors.

尽管如此，如果您正在寻找安全性，Wirex 仍然是一个很好的解决方案。作为一家总部位于英国且自 2014 年以来成功运营的受监管公司，您会发现没有比 Wirex 更有信誉的品牌了。

Nevertheless, Wirex is a good solution if you are looking for safety. As a regulated company based in the United Kingdom that has successfully operated since 2014, you will find no brand that is more credible than Wirex.

Coinbase 的加密卡是一种非凡的选择，于 2019 年在欧洲首次推出。爱好者认为该卡是继 Crypto.com 的 MCO 卡之后的第二好的卡。基于 Visa 支付系统，它提供多达九种不同的加密资产，其中包括：

Coinbase's encryption card, which was first launched in Europe in 2019, is considered by the fans to be the second-best card after Crypto.com's MCO card. Based on the Visa payment system, it provides as many as nine different types of encryption assets, including:

比特币、以太坊、瑞波币 (XRP)、比特币现金、Augur和莱特币等等。

Bitcoin, Etheria, Ripcoin (XRP), Bitcoin cash, Augur and Lightcoin, etc.

为了为卡提供资金，Coinbase 客户可以直接从交易所的钱包中转移加密货币。但是，虽然这张卡使用起来可能很简单，但它的费用要高得多——这与所有其他 Coinbase 产品和服务是一致的。

To finance the cards, Coinbase customers can transfer encrypted currency directly from the exchange’s wallet. But, while this card may be simple to use, it is much more expensive – consistent with all other Coinbase products and services.

Coinbase 的 ATM 取款限额甚至低于 Wirex，每月只需 200 美元。取现时，用户需支付1%的手续费，海外需支付2%的手续费。在这种情况下，海外取款要贵得多，因为每笔交易总共收取 3% 的费用。

Coinbase’s ATM withdrawal limit is even lower than Wirex, which is $200 per month. The user pays 1% of the charge and the overseas 2% charge. In this case, the overseas withdrawal is much more expensive, as a total of 3% is charged for each transaction.

为什么 Coinbase 卡是一个不错的选择？因为它来自一个受监管且值得信赖的交易所，多年来一直完美无缺。它还提供了几个很棒的功能，并连接到 Coinbase 的其余部分以及该平台提供的所有内容。

Why Coinbase is a good choice? Because it comes from a regulated and trusted exchange that has been perfect for many years. It also provides several great functions and links to the rest of Coinbase and all the content that the platform provides.

您是否想使用加密卡，同时又要使用资金进行交易？只需使用 Coinbase 卡，即可在您的交易账户和卡的钱包之间无缝转移资金。

Do you want to use an encrypted card while using funds for trading?

但是，我们确实必须注意，支持的加密资产数量受到严重限制。考虑到交易所提供 Visa 借记卡，令人担忧的是它仅托管九种资产。

But we do have to note that the number of encrypted assets supported is severely limited. Considering the exchange’s provision of Visa debit cards, it is worrying that it is hosting only nine assets.

结论

加密信用卡和借记卡的产品范围确实令人难以置信。可能有很多提供卡片的平台，但与此同时，只有少数平台值得您花时间。在本文中，我们简要展示了一些最受欢迎的选项。

The range of products for encrypted credit and debit cards is indeed incredible. There may be a lot of platforms for cards, but at the same time only a few are worth your time. In this paper, we briefly show some of the most popular options.

但是你如何选择最适合你的加密借记卡呢？如您所见，费用是主要卖点，因为它们因每个平台而异。如果费用是您最关心的问题，那么您应该选择收费最低的选项。

But how do you choose the encryption debit card that best suits you? As you can see, the cost is the main selling point, because they vary from one platform to another. If the cost is your most important concern, then you should choose the least expensive option.

但是话又说回来，安全性对您来说可能是一个更大的问题。在这种情况下，最好使用真正有信誉且受监管的发行人。我们推荐什么？绝对是 Crypto.com 的 MCO 和 Coinbase 的 Visa 卡。拥有充满许多功能和工具的充满活力的生态系统，您真的不会出错。

But again, safety may be a bigger problem for you. In this case, it would be better to use a genuinely credible and regulated issuer. What do we recommend? It's absolutely Crystal.com's MCO and Coinbase's Visa card. With a vibrant ecosystem full of many functions and tools, you can really make no mistake.

文章作者：Marko Mihajlovi?

Photo by Marko Mihajlovi, copyright Demotix (CC BY-NC-SA 2.0).

文章翻译：TonyDAO

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