Everyone keeps blaming BTC volatility for why crypto cards haven’t taken off, but honestly the bigger issues seem to be in the product design itself.

Settlement taking days, confusing fee stacks on small purchases, and cashback that looks great on paper but barely delivers in reality… that’s all friction that has nothing to do with BTC’s price.

If anything, it feels like the current card layer is trying to mimic traditional fintech instead of actually using what crypto is good at. And that usually ends up adding more complexity instead of removing it.

We’ve kind of seen this before — adoption stalls, not because the asset fails, but because the user experience around it just isn’t worth it.

So I’m curious — what’s the dealbreaker for you with crypto cards, slow settlement, hidden fees, weak rewards, or do you think volatility is still the main issue?

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