# Crypto Cards Now Process $400M+ a Month. Most of It Is Stablecoins.
## Observations from public data on how crypto cards are actually being used

Crypto debit cards have existed for a while, but recent data suggests they are moving beyond early experimentation and into more regular, real-world use. Spending volumes are increasing quickly, usage is concentrating around a small number of providers, and stablecoins are clearly emerging as the default way people pay.

This post looks at several public Dune dashboards to get a high-level view of how crypto cards are being used today and what patterns stand out.

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## Crypto Card Usage Across Chains

**Data source:**
[Crypto cards across all chains](https://dune.com/obchakevich/crypto-cards-all-chains) by obchakevich

Before shipping [AutoHODL](https://autohodl.money), we wanted to get a basic sense of how people are actually using crypto cards today. AutoHODL is a round-up savings tool for crypto cards, similar to Acorns, but for crypto. It works by turning everyday card spending into automated savings, and it can also be used without a card.

To ground that work, we looked at existing Dune dashboards to understand overall card usage. We didn’t independently verify the underlying data or run advanced calculations.

From the data:

- Total crypto card volume exceeded **$400M in November 2025**, up from **~$63M in November 2024**.
- The top five cards by volume are **Rain, RedotPay, ether.fi, Cypher, and Holyheld**.
- **Rain** accounts for a large share of total volume.
- **Stablecoins dominate spending**, with **USDC emerging as the most commonly used asset** across both large and small card programs.

*Monthly crypto card volume across all chains. Usage has grown more than 6× year-over-year.*

*Volume by provider, showing a small number of cards accounting for most spend.*

At this point, crypto cards appear to be used for more than occasional testing. The volumes suggest recurring, everyday spending.

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## Rain Card: Scale and Stablecoins

**Data source:**
[Rain Card](https://dune.com/obchakevich/rain-card) by obchakevich

Rain represents the highest-volume crypto card in the dataset.

- Rain processed **~$240M** in card volume in November.
- **USDC accounted for ~$200M** of that total.

*Rain Card asset breakdown. The majority of spending volume is in USDC.*

Chain usage is similarly concentrated:

- **Ethereum** accounts for roughly **$172M** in volume.
- **Polygon** follows with **~$39M**.

*Rain Card volume by chain. Ethereum remains the primary settlement layer.*

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## MetaMask Card: Smaller Volume, Concentrated Usage

**Data source:**
[MetaMask Card](https://dune.com/Marcov/metamask-card) by Marcov

MetaMask Card operates at a very different point on the spectrum.

- In November, MetaMask Card processed **$2.39M** in volume.
- Over the same period, Rain processed **$248.73M**.

While the difference in scale is large, the usage patterns are still informative.

- **USDC is the most commonly spent asset** on MetaMask Card.

*MetaMask Card asset breakdown, with USDC as the dominant spending asset.*

- **Linea** is the most active chain for MetaMask Card usage.

*MetaMask Card usage by chain, with Linea leading.*

- There are **just over 2,000 weekly active MetaMask cards on Linea**.

*Weekly active MetaMask cards on Linea.*

Compared to larger card programs, MetaMask Card has fewer users, but activity is more concentrated around a single chain and asset. This creates a different environment than high-volume cards like Rain.

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## What This Suggests About Crypto Cards

A few high-level observations stand out from the data:

- **Crypto cards are being used at meaningful scale**, not just tested.
- **Stablecoins are the default spending asset** across providers.
- Larger programs optimize for volume and reliability.
- Smaller programs tend to have tighter, more concentrated usage patterns.

These differences matter depending on what someone is trying to build on top of crypto cards.

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## AutoHODL

AutoHODL ([autohodl.money](https://autohodl.money)) is a round-up savings tool for crypto cards that turns everyday spending into automated savings.

*AutoHODL turns everyday crypto spending into automated savings.*

- Try it today: https://autohodl.money
- Launching with **MetaMask Card support on Linea**.
- **Arc and additional Linea integrations** coming next.
- Ranked **#1 by MetaMask** in *Smart Agents & Liquidity Automation*.
- **Circle grantee** and Circle Alliance Program.