What Crypto Card Users in 2025 Are Doing Differently
In the early days of crypto adoption, using digital assets for everyday payments was largely symbolic. Transactions were rare, impractical, and often driven more by ideology than convenience. Crypto cards existed, but their use was limited to a small group of users willing to deal with volatility, awkward interfaces, and limited merchant support.
In 2025, the profile of the average crypto card user has changed dramatically. These users are introducing digital assets into their daily financial routines with increasing confidence and precision. Across Europe and beyond, crypto cards are being used to buy groceries, pay for streaming services, manage transportation costs, and access ATMs, and users are prioritizing practicality, security, and long-term utility.
Increase in Stablecoin Spending
One of the most noteworthy behavioral changes among crypto card users is the widespread preference for stablecoins. Rather than loading cards with volatile tokens like Bitcoin or Ethereum, most users in 2025 now rely on stable assets such as USDC. This has been caused by a need for predictability as few want to risk the underlying asset losing 5% of its value mid-transaction.
Stablecoins allow users to approach their crypto card balance like a digital checking account with the added benefit of global accessibility and less obstructions when moving funds. They also reduce the psychological hesitation that previously came with spending assets that could increase in price later. In practical terms, it means users no longer think of crypto as untouchable but usable.
Crypto Cards as a Primary Spending Tool
Another clear change is the way users now treat crypto cards as a regular part of their financial toolkit. In previous years, cards were often used at irregular intervals or for specific, novelty-driven purchases. Today, the majority of users make them a part of their daily routines, using them for both minor and essential expenses.
This shows how more comfortable people have become with crypto interfaces and mobile-first financial services. Cards are often linked to mobile wallets, making contactless payments fast and familiar. Push notifications, instant balance updates, and intuitive transaction logs all contribute to a more complete user experience.
Greater Emphasis on Transparency and Control
In 2025, crypto card users expect a level of control that traditional banks often do not provide. Features such as instant card freezing, PIN resets, biometric login, and real-time alerts are no longer considered extras but have rather become baseline expectations.
Many users also pay close attention to fee structures where hidden charges and ambiguous conversion rates are increasingly being rejected in favor of transparent platforms. The demand for clear pricing has grown, and card providers that meet that standard are seeing stronger user retention. This represents a wider trend in financial habits with people wanting tools that feel modern, mobile-ready, and free of unnecessary challenges.
The Tothemoon Card for a New Kind of User
Among the crypto cards gaining popularity in 2025, the Tothemoon Card aligns with these new user behaviors. It is designed for everyday usability rather than occasional transactions but fits both if necessary. The card connects directly to the user’s USDC spot balance and supports both online and offline payments, including ATM withdrawals.
Fees start as low as 0.15%, and there are no charges for card issuance or monthly service. For many users, this level of transparency helps build trust. The card is issued virtually upon approval and security features include biometric login, PIN resets, instant card freezing, and real-time spending notifications which are all accessible through the mobile app.
Perhaps most importantly, the onboarding process is relatively straightforward. After completing identity verification, users can activate their card, top up their balance, and start spending immediately. For users across Europe looking to spend stablecoins like USDC on daily expenses, it offers a practical path option.
Cross-Border Utility and Travel-Friendly Habits
Crypto card users in 2025 are also behaving differently when it comes to international travel and cross-border spending. Instead of relying on multiple bank accounts or incurring currency conversion fees, users now top up their crypto cards before travel and spend from their digital balance wherever they go.
Because crypto cards operate on global networks like Mastercard, they are accepted in most countries without additional complexity. Travelers no longer need to carry large amounts of cash or worry about local bank restrictions. This kind of financial flexibility is one of the reasons crypto cards are being seen as both tech and travel tools.
This has also made them attractive to digital nomads, cross-border workers, and students studying abroad aka people who often find themselves between financial systems and in need of accessible, reliable spending methods.
Conclusion
In 2025, the user profile has changed from speculative to practical, from cautious to confident, and from occasional to daily use. People are choosing stability through assets like USDC, seeking out platforms that offer real-time control, and integrating crypto cards into routines that once belonged solely to traditional banking tools. For card providers like Tothemoon, this presents a clear opportunity to serve the needs of people who are looking to participate.