How to Use a Virtual Crypto Card for Everyday Spending

In simple language you say that a virtual crypto card is a digital payment card which is connected directly to your cryptocurrency wallet. It looks and works just like a regular debit or credit card, but instead of being connected to your bank account, Virtual Crypto Cards are directly linked to your crypto holdings.

Here is how it is different from traditional cards:

Traditional Credit/Debit Card:

• Linked directly with your bank account

• Spend your regular currency which is also known as fiat currency (dollars, euros, etc.)

• Charges foreign transaction fees (3-5%)

• Your bank controls your spending limits

Virtual Crypto Card:

• Linked directly to your crypto wallet (like Oppi Wallet)

• Spends cryptocurrency (Bitcoin, Ethereum, Solana, etc.)

• You control your own funds (self-custody)

• Instant conversion at checkout

• Works anywhere Mastercard or VISA is accepted

And the best part about these cards are? That they are completely virtual. You do not need to wait for a physical card to arrive in the mail. You just have to create your virtual crypto card in the Oppi Wallet app or any other Crypto Wallets apps which provide this feature and then you can easily start spending your crypto within minutes.

If you are thinking about how this actually works? Then the technology behind virtual crypto cards is simpler than you might think. Here is the step-by-step process of what happens when you make a purchase:

Step 1: You Load Your Card

You top up your virtual crypto card with cryptocurrency from your Oppi Wallet. For top up you can use Bitcoin (BTC), Ethereum (ETH), Solana (SOL), USDT, USDC, or any of 40+ supported cryptocurrencies in Oppi Wallet.

Step 2: You Make a Purchase

You use your virtual card details (card number, expiry date, CVV) to pay at any online store or add it to mobile payment apps like Apple Pay or Google Pay for in-store purchases.

Step 3: Instant Conversion Happens

The moment you complete the purchase, your crypto will automatically convert to the local currency which is needed for that transaction. If you are buying something for $50, exactly $50 worth of your crypto converts at real-time market rates.

Step 4: Merchant Receives Payment

The merchant receives regular money (dollars, euros, etc.), just like they would from any other card. They do not even know you paid with crypto. To them, you are just another customer.

Step 5: Transaction Completes

You get your purchase confirmation, the merchant gets their payment, and your Oppi Wallet shows the updated balance. The entire process takes few seconds.

The key advantage is that you maintain self-custody of your crypto until the exact moment you spend it. Your private keys stay on your device. And Oppi Wallet never holds your funds.

Using a Virtual Crypto Card is not just convenient. But it actually saves you money and gives you more control over your finances.

1. Spend Crypto Anywhere, Anytime

Your virtual crypto card works at millions of merchants worldwide. You want to pay for online shopping on Amazon? Yes. You want to pay for Netflix subscription? Yes. Want to order food on DoorDash? Yes. Want to buy groceries at Walmart? Yes.

Only the condition is that If a store accepts Mastercard or VISA which millions of merchants already support, your Oppi Wallet virtual crypto card works there. Over 70 million merchants globally accept these payment networks.

2. No Foreign Exchange Fees

Regular banks charge between 1-5% foreign transaction fees every time you spend money abroad or buy anything from an international website. But with a virtual crypto card, you skip these fees entirely.

Your crypto converts directly to the needed currency at market rates when you pay. No markup. No hidden charges. If you love to travel frequently or shop internationally, this alone can save you hundreds of dollars per year.

3. Instant Access to Your Crypto Value

Stop waiting for days just for exchange withdrawals or bank transfers. Your crypto value is instantly spendable the moment you add it to your virtual card.

Need to pay for an emergency flight? Top up your card and book immediately. Found a great deal online that expires in an hour? Spend your crypto right now without any delays or approvals.

4. Enhanced Privacy

Unlike traditional payment methods that share your full banking details with merchants, these virtual crypto cards offer an extra layer of privacy. Merchants can see a card transaction, but not your personal financial information.

Plus, the blockchain transactions provide full transparency without exposing your identity to anyone, giving you full privacy that traditional financial systems cannot come close to.

5. Keep Control with Self-Custody

With Oppi Wallet's Virtual Crypto Card, you can easily maintain complete control over your funds through self-custody. Your private keys stay on your device, and not on our servers.

This means you decide when to spend, how much to add, and where to use your crypto. No one can freeze your account, block your transactions, or tell you how to use your own money like exchanges do.

6. Earn While You Spend

Some crypto assets appreciate and depreciate over time. By holding crypto and only converting what you need when you spend, you can potentially take benefit from price increases while still enjoying everyday purchasing power.

Plus, using stablecoins like USDT or USDC eliminates volatility concerns while maintaining all the other benefits of crypto spending.

Setting up your virtual crypto card takes less than 5 minutes. Here is exactly how to do it:

Step 1: Download Oppi Wallet

Go to the App Store (iOS) or Google Play Store (Android) and download the Oppi Wallet app. It is completely free. Search for "Oppi Wallet", the first app will appear, click and make sure you download the official app from trusted sites only.

Step 2: Create Your Account

Open the app and tap "Create New Wallet." Follow the simple setup process to create your self-custody wallet. You will need to set up security features like fingerprint authentication or Face ID for quick, secure access.

Step 3: Secure Your Recovery Phrase

Oppi Wallet will show you a 12 or 24-word recovery phrase. You have to write these recovery phrase words down on a paper in the exact order shown. And then store this paper in a safe place that only you can access.

Never take a screenshot or save it digitally. This phrase is the only way to recover your wallet if you lose your phone. Treat it like cash. If someone else gets it, they control your crypto.

To know more about Recovery phrase and how to secure it we suggest you to read our guide on “How to secure your Recovery Phrase (seed phrase) and enable 2FA”

Step 4: Add Cryptocurrency

You can add crypto to your Oppi Wallet in three ways:

• Buy crypto directly in the app with your credit/debit card or bank transfer (upcoming feature)

• Transfer crypto from another wallet or exchange directly to your Oppi Wallet account easily and securely

• Receive crypto from someone else using your wallet address. But double check your address before sending.

Step 5: Navigate to Virtual Card Section

Once you have added your crypto balance in your wallet, tap on the "Virtual Card" feature in your Oppi Wallet app. This section manages all your card features.

Step 6: Create Your Virtual Card

Tap "Create Virtual Card" and follow the simple prompts. Your card is will be generated instantly. You will be able to see your card number, expiry date, and CVV code just like a physical card.

Step 7: Load Your Card

Select which cryptocurrency you want to use to load your card (Bitcoin, Ethereum, Solana, USDT, etc.). Enter the amount of crypto you want to load in your card. Your crypto will convert to spendable card balance immediately.

Step 8: Start Spending

Your virtual crypto card is ready. Now you can easily use the card details for online purchases, add it to Apple Pay or Google Pay for in-store payments, or save it in your favorite shopping apps.

Total Setup Time: 5-10 minutes from download to first purchase. You can also order a physical crypto card at a very minimal fee. It is supported by VISA so you can easily swipe your card whenever you want where VISA is accepted.

Virtual crypto cards are not just for tech lovers anymore. Here are some real use cases how everyday people use them in real life:

Online Shopping

Sarah uses her Oppi Wallet virtual card for all her Amazon and eBay and other e-commerce purchases. She swaps his crypto with USDT (a stablecoin) and shops without worrying about crypto price swings. Last month, she saved $40 in foreign transaction fees when buying from international sellers.

Subscription Services

Mike pays for Netflix, Amazon Prime, Spotify, and his gym membership with his virtual crypto card. He has set up automatic top-ups in the Oppi Wallet app, so his subscriptions never fail. He holds his wealth in Bitcoin and Ethereum but converts only what he needs each month.

Food Delivery

Lisa orders food delivery 2-3 times per week using her virtual crypto card on Uber Eats and DoorDash. She loads her card with Ethereum and enjoys instant checkout without reaching for her physical wallet.

Travel Bookings

James books all his flights and hotels using his Oppi Wallet virtual card. He saves 3-5% on every international booking by avoiding foreign exchange fees. On a recent Europe trip, he saved over $200 compared to using his bank card. Also if he wants to cancel his flight or hotel he gets direct refund in his Oppi Wallet Travel Card so he can use it directly from there to book again

Everyday Groceries

The Martinez family added their Oppi virtual card to Apple Pay and are using it for weekly grocery shopping. They hold a portion of their savings in crypto and convert only what they need for living expenses.

Business Expenses

Freelancer Emma uses her virtual crypto card for all business expenses. She tracks spending directly in Oppi Wallet, making tax time easier. She holds some of the client payments in crypto and spends from the same wallet. Oppi Wallet for business makes it easier to manager her business

Note: The examples used above are real people from our team and early users. They use virtual cards in their daily life. Because our team believes in testing our products in real life to see how they are working and easily resolve any issues if coming.

Spending crypto daily requires smart security habits. Follow these tips to keep your funds safe:

Enable All Security Features

You can easily turn on two-factor authentication (2FA) in Oppi Wallet settings. Use biometric authentication (fingerprint or Face ID) for every transaction. Enable transaction notifications so you know immediately when your card is used.

To know how to enable 2FA. Read our guide on How to enable 2FA in Oppi Wallet

Only Load What You Need

Do not add large amounts in your virtual card. Only Load amount for your immediate spending needs, then top up again when needed. You can think of it like carrying real cash. You would not walk around with your entire life savings in your pocket.

Store Your Recovery Phrase Offline

Never save your recovery phrase digitally. Always write it on a paper and store it somewhere secure that only you can access with multiple copies. This recovery phrase is the master key to your crypto. If anyone gets it, they understand that they get access to your funds.

Monitor Transactions Regularly

Try to check your Oppi Wallet transaction history weekly. Look for any purchases you do not recognize. If you see any unauthorized activity, immediately freeze your card through the app and contact support.

Use Stablecoins for Spending

If you want to avoid crypto price volatility while spending, then we suggest you load your card with stablecoins like USDT or USDC. These maintain a stable value of $1 per coin, which eliminates price swing concerns.

Keep Your App Updated

Always update Oppi Wallet to the latest version. Updates include security patches and new features that keep your funds protected.

Never Share Card Details Carelessly

Treat your virtual crypto card details like any credit card. Only enter them on secure, trusted websites (look for HTTPS). Never share your full card details via email or text message to anyone.

Q: Can I get a refund if something goes wrong with a purchase?

A: Yes. Refunds work the same way as traditional cards. If a merchant issues a refund, the funds return to your virtual card balance in Oppi Wallet. You can then use that balance for future purchases or withdraw it back to crypto.

Q: What happens if crypto prices drop after I load my card?

A: Once you load your card, the value is locked in at the conversion rate from that moment. Crypto price changes after loading do not affect your card balance. This is why many users load their cards with stablecoins like USDT to avoid any price movement concerns.

Q: Are there spending limits?

A: Limits depend on your account verification level. Most users can spend several thousand dollars per day. For higher limits, complete additional verification steps in Oppi Wallet settings.

Q: Can I use it for ATM withdrawals?

A: Currently, Oppi Wallet virtual cards are designed for online and mobile payment purchases. For cash access, consider using the physical VISA card option available in the app.

Q: What fees should I expect?

A: Oppi Wallet charges minimal fees for card loading (typically 1-2%). There are no monthly fees, no annual fees, and no foreign transaction fees. Network fees for crypto conversions apply based on blockchain conditions.

Q: Is my crypto safe in Oppi Wallet?

A: Yes. Oppi Wallet is a self-custody wallet, meaning you control your private keys. They are encrypted and stored on your device, not on Oppi's servers. Combined with 2FA and biometric security, your crypto is protected by multiple layers of security.

Virtual crypto cards convert cryptocurrency from a risky investment into actual spending power. No more waiting for exchanges to take place. No more extreme exchange fees. No more complicated conversions with hidden fees.

With Oppi Wallet's virtual crypto card, you get:

• Instant crypto-to-purchase conversion

• Self-custody security you control

• Acceptance at 70 million+ merchants worldwide

• Zero foreign exchange fees

• Support for 40+ cryptocurrencies

• Setup in under 5 minutes

The future of money is not just about choosing between crypto and traditional finance. Instead It is about easily using both. Virtual crypto cards give you that bridge.

Your cryptocurrency should not sit idle in your wallet. Instead it should work for you in your everyday life. Whether you are buying coffee, paying bills, shopping online, or traveling the world, your crypto can power it all.

Download Oppi Wallet today and create your virtual crypto card. Start with small things at your first online purchase. Experience how convenient it is to use. Then slowly incorporate crypto spending into more areas of your life.

The crypto economy is here. Your virtual crypto card is your key to participating in it every single day.

Ready to spend crypto online and in everyday life?

• Download Oppi Wallet from App Store

• Download Oppi Wallet from Play Store

• Discover Virtual Card Features