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Crypto.com 加密貨幣 VISA Debit Card

以下內容為本人經過一天搜尋網路片段資料腦補出來的懶人包,若有錯誤,歡迎糾正。

警告:加密貨幣波動極大,如果沒有血本無歸的打算,請不要輕易嘗試。

這是啥?

Crypto.com 發行的 VISA 簽帳金融卡 (CRO VISA Debit Card),可將加密貨幣用在實體店家進行刷卡交易。

名詞解釋
加密貨幣:使用區塊鍊技術紀錄的虛擬貨幣,例如最常聽到的比特幣。
法幣:法定貨幣,就是我們上市場買東西使用的錢,例如台幣、美金、新加坡幣。

與其說它是加密貨幣簽帳卡,應該說它還是一般法幣簽帳卡。它無法直接將加密貨幣存入簽帳卡進行消費,而是 Crypto.com 提供簡易的方法,一個步驟將加密貨幣轉換成新加坡幣後存入簽帳卡,所以實際與店家交易消費是使用新加坡幣。

台灣申請是由新加坡的銀行發行,即使 App 操作介面可以用台幣顯示,但交易使用的法幣都是新加坡幣 (簡稱 SGD)。

Crypto.com 是個加密貨幣交易平台,可以做各種加密貨幣的買賣,同時他本身也發行自己的加密貨幣 CRO 幣。

有什麼好處?

  1. 依卡種不同有不同比例的刷卡回饋 (回饋 CRO 幣而非現金),且跨國交易免手續費。
  2. 紅卡 (Ruby Steal) 等級以上刷卡買 Spotify 100% 回饋 (回饋的是 CRO),但帳號必須切換至新加坡。
  3. 紅卡等級以上都是金屬卡,很酷捏!

Image Not Showing Possible Reasons
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缺點

  1. 這不是信用卡是 Debit Card,必須要先儲值才能刷。
  2. 原本就有加密貨幣的人,必須將加密貨幣轉至 crypto.com,才能儲值到卡裡。可用來儲值的加密貨幣只有官網公告的 21 種,甚至連他自己發行的 CRO 幣都不行。不支援儲值的幣就必須多一道手續,轉換成支援的幣才能儲值。
  3. 對於原本沒有加密貨幣的人,可以用其他信用卡刷卡儲值,但中間也會有手續費。
  4. 儲值到簽帳卡的法幣只能消費,不能換回加密貨幣或提領 (網路上看到的資料,不確定理解是否正確)。
  5. 以一般人最能承受風紅卡來說,必須質押等值 400 美元的 CRO 至少六個月,大約是台幣 12000 元。六個月後如果取消質押,優惠就會變少。而持有 CRO 或其他加密貨幣本身就有其風險。

* 可用來儲值的加密貨幣種類

風險

  1. 質押的 CRO 雖然可以使用提款機提領回台幣,但是經過兩層換匯 (CRO 轉新加坡幣,新加坡幣轉台幣),當 CRO 或新加坡幣貶值,都會造成匯損。特別是加密貨幣的一日漲跌就可能很大,玩這種東西要量力而為。
    新加坡對台幣匯率十年走勢圖
    CRO 對新加坡幣

  2. Crypto.com 可能改變 CRO 使用規則。 例如 Crypto.com 曾經發行另一個貨幣 MCO,後來強制轉換成 CRO。

如何取得質押所需的 CRO?

如果原先沒有在使用虛擬貨幣的人,可在 App 中使用其他信用卡刷卡支付購買 CRO。

注意:這個方法一定不是最划算最省錢的方法,除了台幣轉換新加坡幣再轉換 CRO 的匯率差外,還有信用卡海外刷卡手續費 + Crypto.com 的平台手續費。

目前新註冊 Crypto.com App 的用戶,30 天內以信用卡/簽帳卡支付免手續費 (信用卡海外刷卡手續費仍會收取)。因此可以在第一次註冊時,購買足夠的 CRO 用來質押。

紅卡申請步驟

申請 CRO 簽帳卡紅卡包含四大步驟:

  1. 領取獎勵 (可跳過)
  2. 下載 App 註冊平台帳號
  3. 購買 CRO ( 最簡單但不是最便宜的方法 )
  4. 申請簽帳卡

申請藍卡我沒實際操作過,理論上就是省略購買 CRO 和質押的動作。

領取獎勵

目前 Crypto.com 提供獎勵,只要使用邀請連結登記 E-mail,並完成平台帳號註冊與 CRO 質押,邀請與被邀請人都能獲得等值 25 美元的 CRO。

開啟我的 邀請連結 會看到如下畫面,輸入你的 E-mail ,勾選我不是機器人,再點選 Submit 即可。若是邀請碼沒有自動帶入,可以手動輸入我的邀請碼 jc5dzy9276

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注意:此步驟完成後,還必須完成後面註冊和質押步驟,才能獲得獎勵。

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下載 App 註冊平台帳號

  1. 手機掃描前步驟畫面上 QR code 下載 Crypto.com 的 App。下圖是 Apple App Store 看到的畫面。

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  2. 下載完成後開啟 App,點選 Sign up。

    Image Not Showing Possible Reasons
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  3. 輸入前步驟登記的 E-mail,點選 Continue。

    Image Not Showing Possible Reasons
    • The image was uploaded to a note which you don't have access to
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  4. 用手機到 E-mail 信箱收認證信,點選信件中的 LOG IN 圖示,連結會自動跳回到 App 進行下一個步驟。

    Image Not Showing Possible Reasons
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  5. 點選右上角 Skip 跳過信用卡簡介,或是左下角箭頭瀏覽信用卡回饋介紹後,點選打勾。

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  6. 勾選同意條款,點選 Continue。

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  7. 輸入手機號碼,點選 Send Verification Code。

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  8. 等收到認證簡訊後,將認證碼輸入手機,完成手機認證。

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  9. 勾選是否同意接收訊息,點選 Continue 繼續。

    Image Not Showing Possible Reasons
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  10. 告知需要提供姓名、證件照片、自拍照作為認證之用,點選 Continue 繼續。

    Image Not Showing Possible Reasons
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  11. 輸入護照上英文全名。

    Image Not Showing Possible Reasons
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  12. 確認 App 正確選擇國家為台灣 (辱華了?),選擇護照認證。(網友說只有護照認證會通過)

    2023.09.09 @jhih-yu-lin 回報實測經驗,直接使用身分證認證失敗,但在用 email 詢問客服後,再次用身分證認證就成功了。

    Image Not Showing Possible Reasons
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  13. 將護照有英文姓名那個頁面對準 App 框線後,App 會自動擷取照片。確認資料都有拍清楚後,點選 Continue 繼續。

    Image Not Showing Possible Reasons
    • The image was uploaded to a note which you don't have access to
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  14. 提示該如何自拍,點選 Continue 繼續。

    Image Not Showing Possible Reasons
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  15. 將臉對著相機前鏡頭,確認人臉都在 App 框線內,App 偵測到後自動拍照。畫面上人臉看起來變成漫畫風格是正常的。如果 App 沒有自動拍照,稍微左右移動直到拍照完成。

    Image Not Showing Possible Reasons
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  16. 完成後畫面出現 Upload successful,並提示你可以去泡杯茶,等待資料確認無誤後會再通知你。

    Image Not Showing Possible Reasons
    • The image was uploaded to a note which you don't have access to
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    • The image was uploaded to a note which you don't have access to
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  17. 我自己是半小時內就驗證通過了。

    Image Not Showing Possible Reasons
    • The image was uploaded to a note which you don't have access to
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  18. 設定一組六位數字密碼,點選任意位置,再輸入一次密碼確認,完成密碼設定。這組密碼是之後每次進入 App 和交易都需要輸入的,一定要記好。

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    • The image was uploaded to a note which you don't have access to
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    Image Not Showing Possible Reasons
    • The image was uploaded to a note which you don't have access to
    • The note which the image was originally uploaded to has been deleted
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  19. 選擇 New Taiwan Dollar (TWD) 作為 App 交易單位。

    Image Not Showing Possible Reasons
    • The image was uploaded to a note which you don't have access to
    • The note which the image was originally uploaded to has been deleted
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    Image Not Showing Possible Reasons
    • The image was uploaded to a note which you don't have access to
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  20. 點選左上角齒輪,可以在 Language 選單切換成中文介面。

    Lang
    Lang2

購買 CRO

這裡我使用的方式是在 App 中使用我其他信用卡購買,是最簡單,但一定不是最便宜的方法,只適合少量購買體驗。只接受 VISA 信用卡,不接受 JCB,記得找一張海外回饋最高的 VISA 信用卡,才能抵銷海外刷卡手續費啊。

紅卡質押需要 400 美元,大約 12000 台幣,我自己是多抓了一點購買 700 CRO,約 15000 台幣。

  1. 回到 App 首頁,點選交易 > 買入,選取要購買的加密貨幣 Crypto.com Coin (CRO)。

    Buy CRO
    choose CRO

  2. 因為之前沒有輸入過信用卡資料,這裡先點選添加信用卡或扣款卡。目前只接受 VISA,無法加入 JCB。平台會刷 0.01 SGD 驗證,但不會扣款。完成後回到購買頁面,輸入想要購買的 CRO 數量。

    add card

  3. 畫面提示新申請帳戶,30 天內免平台交易手續費。

    PAY

  4. 確認金額正確後,點確定。

    confirm to buy

  5. 購買成功。

    buy successful

申請簽帳卡

  1. 回到首頁,點右下角付款卡,滑動上方選則紅色的 Ruby Steel,確定畫面中間選擇有質押 CRO,再點選下方的選擇 Ruby Steel。

    choose ruby

  2. 選擇質押 CRO 的來源,因為我們剛才已經先買好存在錢包裡了,直接選最下方的錢包 > Crypto.com Coin (後方顯示的是你的現有數量,下方按鈕才是質押的數量),點選質押 460 CRO 180 日。

    stake

  3. 點確定執行質押。

    confirm stake

  4. 質押成功。

    stake successful

  5. 提示申請卡需要住址和地址證明。

    info

  6. 告知各項條款,勾選接受後按確定繼續。

    confirm

  7. 輸入你的住址,網友說填英文地址審核會比較快。我實際經驗,填英文地址,附上中文的信用卡帳單證明,第五天通過地址認證,第六天顯示已發卡。 ( 這個步驟忘記截圖了 )
    郵局中文地址英譯

  8. 提示你準備好有日期和地址的帳單。

    prepare

  9. 拍照注意帳單的四個角都要攤開,完整在 App 的框線中,確認清晰後點選 Continue 繼續。

    scan document

  10. 看到下面畫面代表所有步驟都已完成,就等待資料審核完成。

    finish
    wait

時間歷程

  • 2021/11/28 送出申請。
  • 2021/12/03 app 顯示發卡狀態為已發出。
  • 2021/12/24 app 顯示發卡狀態為已寄出,且多了 DHL 追蹤編號。同時也收到 email 通知。
  • 2021/12/26 DHL 顯示郵件在從新加坡送往香港的途中。
  • 2021/12/28 收到卡片

如何使用

收到卡後,卡內必須要有錢才能刷,因此第一步驟就是學會怎麼儲值。

首先打開 App 進入帳戶頁面會看到有多個帳戶,與我們比較相關的是「加密貨幣錢包」和「Crypto.com Visa 卡」。這有點像我們去一般銀行可以同時開台幣帳戶和外幣帳戶,兩者是獨立的帳戶,但可以互相轉帳。

帳戶的功能和帳戶間的關係可以參考下圖,加密貨幣錢包是用來存各種不同的加密貨幣,概念類似外幣帳戶可以存美金、日圓、歐元等多種多種外幣。而 Crypto.com Visa 卡這個帳戶用來存入刷卡金,注意存入卡中的幣別是新加坡幣 (SGD)。

account

從上圖可以看出儲值刷卡金的方法有兩種:

  1. 刷其他銀行發行的信用卡儲值 (圖右下角向上紅色箭頭)。注意這對台灣來說是跨國交易,會有跨國刷卡手續費,以及 crypto.com 收取 1% 交易手續費。
  2. 從加密貨幣錢包儲值 (圖正中間向右紅色箭頭)。這個方式沒有儲值手續費,這也是這張 Visa 卡設計的原始目的,讓加密貨幣可以方便用在真實環境消費。但目前只支援使用 20 多種加密貨幣儲值,其中並不包含 CRO 幣。後面將解說如何使用迂迴手法,將 CRO 幣換成 USDC 幣後儲值到卡裡。

CRO 幣兌換 USDC 幣

  1. 點選帳戶 > 加密貨幣錢包

    crypto wallet

  2. 點選買入

    buy

  3. 點選我們要買入的幣別 USDC

    USDC

  4. 選擇以加密貨幣錢包中的 CRO 幣 (Crypto.com Coin) 購買,輸入要兌換的 USDC 數目,點選買入。 USDC 是穩定幣,與美金約是 1:1。

    buy USDC

  5. 進入確認畫面,在時間倒數結束前點選確定,完成兌換。

    confirm

以 USDC 儲值 Visa Card

  1. 點選帳戶 > Crypto.com Visa 卡

    Visa card

  2. 點擊儲值

    top up

  3. 選擇加密貨幣錢包做為儲值方式,以 USD Coin (USDC) 支付,輸入要儲值的金額。

    top up2

  4. 點選儲值,完成 Visa 卡儲值,現在就可以上街去刷卡了。

    top up3

參考資料

名詞

  1. Deposit 存入
  2. Withdraw 提領
  3. Stake 質押