Crypto Life provides a platform enabling self-custody crypto spending directly from user wallets without intermediaries. The service facilitates secure, on-chain transactions, allowing users to spend digital assets like USDT, USDC, and WETH anywhere Mastercard is accepted. This solution offers users autonomous financial control by converting crypto to fiat at the point of sale.
Funding
Funding not disclosed
Founders
Product
Problem
Crypto holders who keep assets in self‑custody wallets lack a simple way to use those assets for everyday purchases, as most payment solutions require custodial accounts, manual off‑ramps, or limited merchant acceptance.
Solution
Crypto Life offers a self‑custody payment platform that links a user’s Web3 wallet directly to a Mastercard‑compatible card. When the card is used, the platform atomically swaps the selected on‑chain token (e.g., USDT, USDC, WETH) for fiat at the point of sale, allowing the transaction to settle instantly without moving assets out of the user’s wallet. All spend events are recorded on the blockchain, providing transparent, tamper‑evident receipts and near‑zero gas costs. The service also includes on‑chain credit lines with 0 % APR and over‑the‑counter (OTC) trading for large crypto blocks, extending the utility of self‑custody holdings beyond simple payments. Integration with popular wallets such as Ledger, MetaMask, 1inch, and Exodus enables users to connect their preferred key management solution in a few clicks.
Target Audience
The primary customers are self‑custody crypto users—individuals and small businesses—who require a frictionless method to spend digital assets directly from their wallets for everyday transactions and larger crypto trades.
Features
- Mastercard‑compatible physical and virtual card that triggers an on‑chain token‑to‑fiat conversion at the point of sale
- Support for major stablecoins and wrapped assets (USDT, USDC, WETH) with automatic rate sourcing from decentralized exchanges
- Full on‑chain transaction logging, providing immutable receipts and audit trails with minimal gas fees
- Native integrations with Ledger Live, MetaMask, 1inch, and Exodus for seamless wallet connection and key management
- On‑chain crypto credit line product offering 0 % APR borrowing against collateralized assets, accessible directly from the card interface
- OTC desk for high‑volume crypto purchases and sales at market‑derived rates, settled to the user’s bank account
- BXX reward program that accrues token incentives on each card purchase, with real‑time balance tracking in the app
- Compliance with FCA and EEA regulations, ensuring KYC/AML controls while preserving user‑controlled private keys