Cara Kerja Kartu Kripto
Crypto debit cards bridge the gap between your digital assets and everyday spending. When you make a purchase, your kripto is secara instan converted to local fiat currency (USD, EUR, etc.) and the merchant receives regular payment—they never know you paid with kripto.
1. Hubungkan Dompet
Link your kripto wallet to the card. Funds stay in your control until you spend.
2. Ketuk untuk Bayar
Use physical card, Apple Pay, or Google Pay at any VISA terminal di seluruh dunia.
3. Konversi Instan
Kripto dikonversi ke fiat secara real-time. Merchant dibayar secara normal.
Integrasi Apple Pay
Berfungsi dengan Google Pay juga!
Di Mana Anda Bisa Membelanjakan Kripto?
With a VISA-powered kripto card, you can spend at over 40 million merchants in 160+ countries. Berikut beberapa kasus penggunaan populer:
Kedai Kopi
Bayar dengan BTC di Starbucks
Belanja Online
Amazon, eBay, di mana saja
Restoran
Makan dan bayar dengan kripto
Travel
Pesan penerbangan dan hotel
Transportasi
Uber, Lyft, SPBU
Langganan
Netflix, Spotify, lainnya
Kartu Cypher
Backed by Y Combinator and Coinbase Ventures, Cypher is the leading non-custodial kripto card with Apple Pay support and the lowest fees in the industry.
Card Tiers
Standard
FREE- Kartu virtual (instan)
- Apple Pay & Google Pay
- Batas harian $50K / bulanan $150K
- •Biaya top-up 0,5% USDC / 1% lainnya
- •1,75% markup FX (non-USD)
- Hadiah 1x CYPR
Premium
$199/yr- Kartu fisik metal (gratis pengiriman)
- Apple Pay & Google Pay
- Batas harian $200K / bulanan $500K
- 0% USDC / biaya top-up 0,5% lainnya
- 0% markup FX (semua mata uang)
- Hadiah 2x CYPR
- Asuransi perlindungan penipuan $300
Kalkulator Biaya
Kripto yang Didukung
Perbandingan Kartu
| Card | Network | Apple Pay | Non-Custodial | Chains | Top-up Fee | Rewards |
|---|---|---|---|---|---|---|
| Cypher | VISA | 15+ | 0-0.5% | CYPR tokens | ||
| Crypto.com | VISA | — | 1 | 0% | CRO cashback | |
| Coinbase | VISA | — | 1 | 2.49% | Crypto cashback | |
| Binance | VISA | — | — | 1 | 0.9% | BNB cashback |
Keamanan & Kepercayaan
Non-Custodial
Your kripto stays in your wallet until you spend. You control your kunci privats—not the card issuer.
Regulated
VISA jaringan kepatuhan, KYC verifikasi, and backed by major investor (Y Combinator, Coinbase).
Perlindungan Penipuan
Premium tier includes $300 fraud perlindungan asuransi—industry first for kripto cards.
Pertanyaan yang Sering Diajukan
Do merchants know I'm paying with crypto?
No. The card converts your crypto to fiat instantly. Merchants receive a normal VISA payment—they have no idea crypto was involved.
Can I use the card at ATMs?
Yes. You can withdraw cash at ATMs worldwide. Standard tier has a 3% ATM fee, Premium has 2%. Daily limits apply.
What happens if crypto price drops during a transaction?
Conversion happens instantly at the moment of purchase. You see the exact amount in crypto being spent before confirming.
Is there a credit check required?
No. Crypto cards are prepaid debit cards—no credit check needed. Just complete KYC verification.
Can I use this for recurring subscriptions?
Yes! Virtual card details work for online subscriptions. Just ensure your wallet has sufficient balance.
Siap Membelanjakan Kripto Anda?
Dapatkan Kartu Cypher Anda hari ini dan mulai menggunakan Bitcoin, Ethereum, dan 1000+ token di mana saja VISA diterima.