Mastercard 加密合作伙伴计划：Binance、OKX 和 Bybit 等 85 多家机构加入全球支付推广
On March 11, 2026, Mastercard unveiled its Crypto Partner Program — the most ambitious integration of 区块链 technology into traditional payments infrastructure to date. With 85+ companies including Binance, OKX, Bybit, Ripple, Circle, and PayPal on board, here's everything you need to know about what this means for crypto, payments, and you.
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Mastercard 加密合作伙伴计划 — 关键事实
什么是 Mastercard 加密合作伙伴计划？
The Mastercard Crypto Partner Program is a global initiative that brings together more than 85 加密货币 交易所s, 区块链 networks, fintech firms, 稳定币 issuers, compliance providers, and traditional financial institutions under one collaborative framework. The program's stated goal is to connect on-chain tools with Mastercard's existing payment rails — making crypto useful not just as a speculative asset, but as a practical medium of 交易所 for everyday transactions.
Unlike previous crypto integrations that were typically bilateral (e.g., one 交易所 getting one card product), this program is a structural, multi-stakeholder ecosystem. Partners don't just slap the Mastercard logo on a 借记卡 — they work directly with Mastercard's product teams to co-develop future infrastructure for 跨境 payments, settlement, programmable finance, and 代币ized assets.
Mastercard's move comes after a failed attempt to acquire Zerohash — a crypto infrastructure platform — for an estimated $1.5–$2 billion in late 2025. Rather than buying its way into crypto, Mastercard has chosen to build a coalition. The result is a broader, more 去中心化 approach that ties dozens of crypto-native companies into Mastercard's 3.2 billion card global network.
85 多家合作伙伴是谁？完整名单
The partner list spans virtually every corner of the crypto ecosystem — from the largest 交易所s in the world to 区块链 layer-1 and layer-2 networks, 稳定币 issuers, custodians, compliance tools, and traditional banks.
Crypto 交易所s & 交易 Platforms
Binance, OKX, Bybit, Gemini, Kraken, Crypto.com — the world's largest 交易 venues are all in the program, giving Mastercard reach across hundreds of millions of active crypto users.
区块链 Networks
Solana, Polygon, Optimism, Aptos, Ava Labs (Avalanche), Axelar, Tron, Stellar, and Monad provide the on-chain infrastructure across which 代币ized payments will flow.
合规 & Security
Chainalysis, TRM Labs, Elliptic, Hacken, Blockaid, and Notabene handle transaction monitoring, fraud prevention, and 监管 合规 — ensuring the network meets global AML/KYC standards.
稳定币 & Custody Infrastructure
Circle (USDC)、Ripple (XRP/RLUSD)、Paxos (USDG)、PayPal (PYUSD)、Fireblocks、BitGo 和 Anchorage Digital 提供发行、托管和结算的基础设施。
所有合作伙伴公司（按字母顺序）
截至 2026 年 3 月共有 98 家确认成员。来源：Mastercard。
The Multi-代币 Network (MTN): Mastercard's 区块链 Settlement Layer
At the technological heart of Mastercard's crypto program is the Multi-代币 Network (MTN) — a private, permissioned settlement layer that allows banks, crypto companies, and fintech firms to transact using 代币ized assets, including 代币ized bank 充值s and regulated 稳定币s.
Think of the MTN as a standardized "plumbing" system. Different types of money — traditional bank 充值s, USDC 稳定币s, 代币ized commercial bank money — can all flow through the same infrastructure, enabling near-instant settlement between institutions that previously couldn't interoperate.
JPMorgan Chase is already connected to the MTN for 稳定币 settlement — a remarkable milestone given JPMorgan's historically conservative stance on crypto. This institutional buy-in signals that the MTN is not a prototype but a live, operational settlement rail being used by real financial giants.
代币ization
A traditional bank 充值 or 稳定币 is represented as a 代币 on the MTN's permissioned ledger, maintaining its USD 锚定 and regulatory status.
智能合约 Execution
When a payment is initiated, programmable 智能合约s on the MTN automatically verify compliance requirements, counterparty eligibility, and settlement rules.
原子结算
支付和资产交付同时完成 — 消除了结算风险以及传统代理银行业务中 1-3 天的延迟。
跨网络互操作性
Via bridge protocols (Axelar, Stellar), MTN settlements can connect to public 区块链s — allowing 稳定币s settled on-chain to be received by 交易所s like Binance or OKX.
Mastercard Crypto Credential: The End of Ugly 钱包 Addresses
One of the most user-facing innovations in Mastercard's crypto program is the Crypto Credential tool — a system that replaces the long, error-prone hexadecimal 钱包 addresses (like 0x4a8b...c391) with simple, human-readable identifiers tied to a verified user.
More than just a cosmetic improvement, Crypto Credential also automates 合规 checks before a transaction is initiated. Before any crypto is sent, the system verifies that both the sender and recipient are legitimate, compliant participants — reducing the risk of fraud, misdirected funds, and failed transactions.
可读别名
将加密货币发送至 @用户名，而不是 0x4a8b3f...c391。不再有复制粘贴错误或跨链误转。
Pre-Transaction 合规
Every transfer is validated against AML/KYC rules before execution — helping 交易所s and users meet regulatory requirements automatically.
多链支持
Works across multiple 区块链s within the Mastercard Crypto Credential network, with participating 交易所s and 钱包s handling compatibility checks.
Bybit Pay 加入 Mastercard 加密凭证 — 2026 年 3 月 12 日
One day after the program launch, Bybit announced that Bybit Pay has joined the Mastercard Crypto Credential network, making Bybit users among the first to benefit from alias-based, compliance-verified crypto transfers across 交易所s within the Mastercard network.
稳定币 Support: USDC, PYUSD, USDG, and SoFiUSD
Mastercard has expanded its 稳定币 support well beyond USDC. As of the program launch, Mastercard now supports four 稳定币s for global card settlement, enabling near-real-time, 24/7 payouts across its network:
Issued by Circle. The world's most widely adopted regulated 稳定币, with $46B+ in circulation. USDC is the primary settlement currency within Mastercard's MTN.
Issued by PayPal. PYUSD brings PayPal's 430 million users into the Mastercard 稳定币 settlement ecosystem, bridging the gap between traditional fintech and on-chain payments.
Issued by the Global Dollar Network (Paxos). USDG is designed specifically for institutional 跨境 payments with regulatory compliance built-in.
Issued by SoFi Bank (US national bank charter since 2022). SoFiUSD is notable for being issued by a regulated US bank, giving it a higher degree of institutional trust compared to non-bank 稳定币s.
The $312 billion 稳定币 market is no longer niche. Mastercard's multi-稳定币 support reflects the reality that dollar-锚定ged digital assets are fast becoming the preferred settlement layer for both retail and institutional 跨境 payments — combining the speed of crypto with the stability of the US dollar.
MetaMask Mastercard：在全球任何地方使用加密货币消费
Perhaps the most immediately tangible product to emerge from the Mastercard crypto ecosystem is the MetaMask Mastercard — a 自托管 card that lets users spend their on-chain assets anywhere Mastercard is accepted worldwide, without giving up custody of their funds.
This is a major philosophical shift. Unlike 托管 crypto 借记卡s (where the 交易所 holds your crypto), the MetaMask card allows users to retain control of their digital assets right up until the moment of payment. Supported payment assets include USDC, USDT, mUSD (MetaMask's native 稳定币), and yield-bearing 代币s like aUSDC (Aave-wrapped USDC).
虚拟卡
- 1% 返现 paid in mUSD
- 支持消费 USDC、USDT、mUSD、aUSDC
- 注册后立即可用
金属卡
- 3% 返现 on first $10,000/yr
- 支持 NFC 的高端金属卡
- 优先客服支持 + 专属功能
可用地区： 美国、瑞士、欧洲经济区 (EEA)、英国、加拿大和拉丁美洲。于 2026 年 2 月 26 日上线。
Key Use Cases: Where Crypto Meets 现实世界 Payments
Unlike many crypto initiatives that focus on retail 投机, Mastercard's program is explicitly targeting enterprise and 机构 use cases that generate real payment volume:
跨境 汇款
Using 稳定币s on Mastercard rails, migrant workers can send money home in seconds at a fraction of the cost of traditional 电汇s — with Mastercard's 200-country network handling the last mile.
B2B 国际支付
Businesses can settle 跨境 invoices in near-real-time using 代币ized assets on the MTN, bypassing the 1-3 day delays and 3-7% fees of traditional correspondent banking.
全球薪资与付款
Platforms can pay contractors, gig workers, and content creators globally in 稳定币s — converted and settled via Mastercard's rails, with recipients spending via Mastercard-linked cards.
可编程金融
基于智能合约的支付 — 条件付款、托管、自动结算 — 可在 MTN 上构建，催生新一代可编程金融产品。
Mastercard 对阵 Visa：加密支付的主导权之争
Mastercard's 85-company coalition doesn't exist in a vacuum — it's a direct response to Visa's growing lead in crypto payments infrastructure. As of November 2025, Visa had reached a $3.5 billion annualized USDC settlement run rate and operated 130+ 稳定币-linked card programs across 40 countries. By early 2026, Visa extended 稳定币-backed cards to 100+ countries via its partnership with Bridge (a Stripe subsidiary).
Mastercard's response is characteristically different in approach. Rather than quietly building bilateral partnerships, Mastercard has made a highly public, coalition-based play — essentially betting that being the center of an 生态系统 beats being the biggest single player.
| 功能 | Mastercard | Visa |
|---|---|---|
| Partner 生态系统 | 85+公司（联盟模式） | 130+卡计划（双边） |
| USDC 结算 | 支持（基于 MTN） | 年化交易额达 35 亿美元 |
| 稳定币s supported | USDC、PYUSD、USDG、SoFiUSD | USDC（主要）+ 其他 |
| 地理覆盖范围 | 200+国家 | 100+ countries (稳定币 cards) |
| 自托管卡 | 支持 — MetaMask 卡 | 尚未公布 |
What This Means for Crypto Investors and 交易所 Users
The practical impact for crypto 交易所 users is significant. When major payment networks like Mastercard integrate directly with 交易所s like Binance, OKX, and Bybit, the barriers between crypto holdings and 现实世界 spending shrink dramatically.
交易所 holdings become spendable at 100+ million merchant locations worldwide via Mastercard-linked cards — no need to sell to fiat first.
Cross-border crypto transfers gain Mastercard's 合规 infrastructure — reducing counterparty risk and 监管 friction for users in 200+ countries.
Institutional credibility increases for major 交易所s: being a Mastercard partner signals regulatory compliance, operational maturity, and global reach.
稳定币 yields become more accessible — products like aUSDC (via MetaMask card) allow users to earn DeFi yield while maintaining full payment functionality.
Trade on Mastercard's Partner 交易所s — Get Exclusive Discounts
Three of the world's largest crypto 交易所s are now Mastercard Crypto Partner Program members. Here's 如何开始 on each with exclusive 推荐 discounts:
需要注意的局限性和注意事项
合作论坛，非产品发布
Mastercard 已明确表示，该计划目前定位为合作论坛而非成品。尚未公布所有功能面向全球终端用户的具体时间表。
企业优先导向
Many of the program's capabilities — MTN settlement, B2B transfers, 机构 payouts — are designed for enterprise customers, not retail users. Consumer-facing products like the MetaMask Card are the exception rather than the rule.
监管不确定性依然存在
While US crypto regulation is gradually becoming clearer in 2026, 跨境 稳定币 payments still face a patchwork of rules across jurisdictions. Mastercard's compliance infrastructure helps, but regulatory risk cannot be fully eliminated.
常见问题
Join the 交易所s Shaping the Future of Crypto Payments
Binance, OKX, and Bybit are all Mastercard Crypto Partner Program members. Sign up now and get exclusive 手续费折扣s through our 推荐链接s.
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