Study by Changelly x Simple

Crypto-linked cost playing cards have developed from a distinct segment product right into a mainstream cost technique, with utilization now measurable on a big scale.

In Q3 2025, Easy Pockets analyzed anonymized transactional knowledge from 1,000 randomly chosen European cardholders to measure precise spending habits. On the identical time, we at Changelly surveyed over 3,000 of our customers worldwide to seize self-reported adoption tendencies. Collectively, this knowledge supplies one of the crucial detailed appears at how crypto playing cards are utilized in follow to this point.

Changelly is a number one immediate cryptocurrency alternate platform and world blockchain API supplier.

Key Findings

60.6% of surveyed customers already use crypto playing cards.

Prime use instances: on-line transactions (66%) and on a regular basis purchases (61%).

Common transaction dimension in Europe: €40.

Prime advantages: ease of use (65%), cashback (56%), flexibility (43%).

Key limitations: 58% don’t know what crypto playing cards are, and 43% cite restricted service provider acceptance (Changelly survey, 2025).

Adoption: 60% Already Use Crypto Playing cards

Survey knowledge from over 3,000 Changelly customers reveals that 60.6% are already utilizing a crypto card, whereas 39.3% will not be. Transaction information from 1,000 Easy Pockets cardholders in Europe again this up, exhibiting hundreds of real-world purchases every month with a median ticket dimension of about €40. This mixture of self-reported and noticed knowledge factors to a transparent majority of lively crypto customers already spending via playing cards.

Consumer Motivations: Over 60% of All Transactions Are On a regular basis and On-line Purchases

Crypto spending has shifted from occasional cash-outs to on a regular basis use. Easy Pockets’s June 2025 evaluation of 1,000 European cardholders reveals that between 60% and 70% of all transactions go to routine bills akin to groceries, subscriptions like Netflix and Spotify, transport, utilities, on-line procuring, and cafés. One other 15% to twenty% covers journey and cross-border spending: accommodations, automobile leases, purchases exterior the EU, and tolls. In the meantime, solely 10% to fifteen% pertains to topping up consumer accounts in neobanks like Revolut or high-ticket objects. The common transaction dimension is about €40, and most funds are settled in USDC robotically transformed at checkout.

Changelly’s world survey tells the identical story: 66% say they use crypto playing cards for on-line transactions and 61% for on a regular basis purchases, in contrast with 45% for fiat conversion and 41% for journey.

Collectively, these findings point out that crypto playing cards are functioning as utility cost rails, not simply liquidation instruments. Suppliers trying to seize this market have to give attention to seamless, low-friction on a regular basis use instances and advantages that mirror conventional playing cards.

“When a Easy Pockets consumer pays for groceries, streaming, or transport with USDC, it reveals the shift: crypto isn’t a future promise, it’s already a part of the on a regular basis financial system,” says Alex Emelian, CEO of Easy Pockets.

What Customers Worth Most: 65% Say Simplicity, 56% Say Rewards

​​Each survey and transaction knowledge factors to the identical conclusion: crypto cardholders worth the identical issues as mainstream bank-card customers. In Changelly’s world survey, 65% cited ease of use as the highest good thing about crypto playing cards, 56% highlighted cashback and different rewards, and 43% pointed to flexibility—the flexibility to carry crypto till cost and spend on demand.

Easy Pockets’s inside metrics and insights based mostly on years of expertise mirror these findings. Prospects use crypto playing cards as a result of they behave like odd financial institution playing cards: tap-to-pay through Apple Pay/Google Pay, computerized conversion in the mean time of buy with no pre-swaps, and no disclosure of pockets balances to retailers or banks. Funds keep in crypto till cost, letting holders stay invested proper as much as checkout.

Ache Factors: 58% Non-Customers Declare Lack of Information as Key Barrier

Changelly’s survey reveals that crypto card customers report comparatively few issues. In reality, 59% of respondents mentioned they skilled no challenges. Amongst those that do, the principle points are restricted service provider acceptance (43%), setup complexity (36%), excessive charges (35%), pace of transactions (35%), and safety considerations (32%).

For non-users, the image is completely different. 58% cite lack of awareness as the first cause for not adopting crypto playing cards, adopted by “I don’t personal crypto” (24%) and smaller shares mentioning price or belief points.

These findings recommend that the principle bottlenecks are schooling, belief, and infrastructure, slightly than the know-how itself. Addressing these elements is more likely to have extra influence on adoption than incremental function adjustments.

Why Crypto Playing cards Matter

Crypto playing cards will not be nearly spending tokens—they shut the loop between Web3 belongings and the actual financial system. Easy’s expertise reveals that their worth lies in 4 operational benefits:

Comfort. Customers pay precisely like with a traditional card or Apple Pay/Google Pay. No additional steps, no pre-conversion.

Privateness. For enhanced consumer privateness, the service provider solely sees an ordinary card transaction, with out entry to the consumer’s crypto pockets particulars.

Flexibility. Property keep in crypto till the second of buy, permitting holders to stay invested and solely convert at checkout.

Crypto-native design. Playing cards settle for direct crypto funding with a user-friendly compliance course of for funding your account.

This positions crypto playing cards as on a regular basis monetary instruments slightly than speculative devices. For companies, they unlock new alternatives:

Pockets suppliers achieve larger stickiness and spend retention.

Exchanges open income streams past spot buying and selling.

Briefly, crypto playing cards make crypto simpler to make use of in day by day life and lengthen its attain throughout the broader monetary ecosystem.

Strategic Implications

Survey knowledge reveals that 58% of non-users cite lack of awareness as the principle barrier to adoption, making schooling the first development lever for issuers. Clear onboarding and in-app steering can convert a big share of potential customers with out main product adjustments. For instance, Easy has decreased registration to a five-minute on-line passport/ID examine for EEA residents, turning what was as soon as a posh course of into a fast commonplace step, changing the next proportion of their pockets customers into crypto card clients in consequence.

Rewards and cashback are additionally decisive: Within the Changelly survey, 56% of respondents named rewards as a key profit. For max ease of adoption, UX should additionally mirror conventional playing cards. Easy has addressed this by adopting a banking-style interface with a built-in alternate and computerized number of low-fee networks, eradicating confusion about charges and settlement.

Final however not least, with stablecoins akin to USDC and EURC dominating card spending, suppliers ought to optimize liquidity swimming pools and FX routing to reduce prices and enhance reliability.

Taken collectively, these measures—schooling, frictionless onboarding, rewards and stablecoin-optimized infrastructure—outline the roadmap for profitable a share within the crypto card market over the subsequent few years.

“This survey reveals that schooling and value are the actual catalysts for wider crypto-card adoption,” says Zifa Mae, Head of Product at Changelly. “Instantaneous alternate API suppliers like Changelly might help by making funding and conversion seamless, whereas crypto playing cards suppliers give attention to quick onboarding, clear rewards and stablecoin infrastructure to match the comfort of conventional playing cards.”

The Subsequent 5 Years in Crypto Playing cards

Card performance is more likely to grow to be an ordinary function of main crypto wallets over the subsequent few years. Non-custodial, stablecoin-denominated playing cards will let customers spend straight from their wallets and keep away from double conversions or tax-triggering swaps. 

On-line banks akin to Revolut and N26 are already including crypto options, signaling that mainstream monetary apps are more likely to begin accepting and routing crypto natively sooner or later. The mannequin will shift from “convert then spend” to “spend straight,” with payroll, freelance earnings and passive revenue flowing straight to crypto playing cards.

This research reveals a transparent path ahead: shut the data hole with schooling, win customers over with seamless UX, and lock in loyalty via stablecoins and rewards. Suppliers who execute on these three levers will outline the subsequent technology of cost rails. 

Changelly affords a complete suite of blockchain APIs for enterprise, with native crypto-to-crypto swaps, crypto-to-fiat purchases, and Changelly Pay—a novel resolution for retailers trying to settle for funds in crypto.

Disclaimer: Please word that the contents of this text will not be monetary or investing recommendation. The knowledge supplied on this article is the writer’s opinion solely and shouldn’t be thought-about as providing buying and selling or investing suggestions. We don’t make any warranties concerning the completeness, reliability and accuracy of this data. The cryptocurrency market suffers from excessive volatility and occasional arbitrary actions. Any investor, dealer, or common crypto customers ought to analysis a number of viewpoints and be acquainted with all native rules earlier than committing to an funding.