CrossFi Card: The Crypto Card For Web3 People

The CrossFi Card is redefining how we use cryptocurrency in everyday life. As part of the CrossFi App ecosystem, developed by CrossFi Cain s.r.o. and available on Google Play, this non-custodial, on-chain payment solution lets users spend crypto like fiat at over 100 million merchants worldwide. Built on CrossFi’s Layer 1 blockchain, the card combines the security of decentralized finance (DeFi) with the convenience of traditional banking. Let’s dive into the technical and practical aspects of the CrossFi Card and why it’s a game-changer for Web3 payments.

What Is the CrossFi Card?

The CrossFi Card, available in both virtual and physical forms, is a decentralized payment tool that allows users to spend XFI—the native token of the CrossFi Chain—directly from their Web3 wallet, such as MetaMask. Unlike traditional crypto cards that require preloading funds or third-party custodians, the CrossFi Card operates without intermediaries, ensuring users retain full control of their assets. Each transaction is secured by smart contracts, verified on-chain, and comes with a transparent 2% fee, making it a seamless bridge between crypto and fiat.

Technical Architecture

Blockchain Foundation

The CrossFi Card is powered by CrossFi’s Layer 1 blockchain, a modular architecture integrating Cosmos SDK for consensus and Ethereum Virtual Machine (EVM) compatibility for smart contract execution. The Cosmos-based module handles block production and transaction verification, achieving sub-5-second finality and processing up to 1 million transactions per second. The EVM module ensures compatibility with Ethereum-based tools, allowing seamless integration with wallets like MetaMask. This dual structure provides scalability and developer flexibility, critical for real-time payment processing.

Non-Custodial Security

The card’s non-custodial design is a technical standout. Funds remain in the user’s smart contract, accessible only via their private keys. Transactions are executed through audited Solidity smart contracts, with each payment generating a transaction hash verifiable on CrossFi’s blockchain explorer. This eliminates risks associated with centralized custodians, such as asset freezes or third-party access. The system’s PCI DSS certification further ensures compliance with global payment security standards.XFI

Crypto-to-Fiat Conversion

The CrossFi Card’s real-time crypto-to-fiat conversion is powered by smart contracts that interface with payment networks like Visa. When a user makes a purchase, the smart contract converts XFI to fiat at the point of sale, ensuring no preloading or manual exchanges are needed. This process leverages Chainlink oracles for accurate, real-time exchange rates, minimizing slippage and ensuring cost efficiency.

Key Features of the CrossFi Card

1. Global Reach

Accepted at over 100 million merchants worldwide where Visa is supported, the CrossFi Card enables users to pay for everything from online shopping on platforms like AliExpress and Newegg to offline purchases like dining or travel. The card’s integration with Apple Pay and Google Pay (coming soon) adds further convenience.

2. Transparent Fee Structure

The card charges a flat 2% transaction fee with no hidden costs or minimums, unlike many traditional and crypto cards that impose maintenance or withdrawal fees. Users can also withdraw up to $300 commission-free at ATMs globally, enhancing its utility for cash access.

3. Seamless Wallet Integration

Linking the CrossFi Card to a MetaMask wallet is straightforward. Users sign up via the CrossFi App, complete KYC, and sync their wallet to manage XFI directly on-chain. This setup supports instant payments without locking funds or requiring third-party wallets, offering unmatched flexibility.

4. On-Chain Transparency

Every transaction includes a hash in the receipt, allowing users to verify payments in real-time on the CrossFi blockchain explorer. This transparency, combined with decentralized governance via the MPX token, ensures no single entity can control or restrict access to funds.

5. XUSD Stablecoin Support

To address crypto volatility, the CrossFi Card supports XUSD, a USD-pegged stablecoin deployed on the CrossFi Chain. This allows users to spend stable assets for everyday purchases, with plans for future cross-chain bridges to expand compatibility with other tokens like USDT.

Practical Use Cases

• Online Shopping: Pay for tech gadgets on Newegg or millions of items on AliExpress by entering your CrossFi Card details at checkout. The app’s integration with MetaMask ensures secure, direct payments from your blockchain address.
• Global Travel: Use the card to book flights, hotels, or withdraw cash at ATMs worldwide, with instant crypto-to-fiat conversion.XFI Card
• Remittances: Send XFI instantly to family or friends using just a phone number, bypassing slow and costly bank transfers.
• DeFi Integration: Combine card payments with CrossFi’s xApp ecosystem to stake XFI for yields or trade synthetic assets, all within the same platform.XFI

Why It Matters

The CrossFi Card addresses a critical gap in crypto adoption: usability. While cryptocurrencies like XFI offer decentralization, their practical use has been limited by complex conversion processes and limited merchant acceptance. By enabling direct spending at 100 million merchants, CrossFi makes crypto a viable alternative to fiat. Its non-custodial design empowers users, particularly in underbanked regions where 1.4 billion people lack access to traditional banking. Recent X posts praise the card’s seamless MetaMask integration and low fees, reflecting strong community sentiment for its real-world utility.

Challenges and Future Outlook

The CrossFi Card faces challenges like regulatory compliance and user onboarding. Its KYC process, required for card issuance, ensures compliance but may deter some Web3 purists. Scalability under high transaction volumes and cross-chain interoperability are also areas for growth. However, CrossFi’s roadmap includes layer-2 solutions and expanded stablecoin support, with plans to roll out card issuance beyond Hong Kong to additional jurisdictions.

How to Get Started

1. Download the App: Get the CrossFi App from Google Play or the App Store.
2. Sign Up and Verify: Register, verify your mobile number via SMS, and complete KYC to unlock card features.
3. Link Your Wallet: Connect your MetaMask wallet to manage XFI on-chain.
4. Order Your Card: Apply for a free virtual card at crossfi.org and receive a physical card by mail (currently issued in Hong Kong, with global expansion planned).
5. Start Spending: Use your card for online/offline purchases or add it to Apple Pay/Google Pay.

The Future of Payments

The CrossFi Card is more than a payment tool—it’s a gateway to Web3 banking. By combining smart contract security, global accessibility, and a user-friendly experience, it’s making crypto practical for everyday use. Whether you’re shopping on AliExpress, withdrawing cash, or exploring DeFi, the CrossFi Card puts you in control. Download the CrossFi App today and experience the future of decentralized payments.