Ledger Launches Crypto Life Visa Card for US Spending

Ledger has launched its Crypto Life (CL) Visa card in the United States, marking a significant advancement in integrating cryptocurrency into daily financial activities. The card is available nationwide except in New York and Vermont due to regulatory restrictions. This innovation allows users to spend cryptocurrencies such as Bitcoin, Ethereum, and USDC at over 90 million merchants worldwide that accept Visa.

The CL Card distinguishes itself with a self-custody approach, allowing users to manage their assets and card settings directly through the Ledger Live app. This feature ensures that users retain full ownership and control over their crypto funds, reducing the risks associated with centralized custodians. The card performs instant crypto-to-fiat conversion at the point of transaction, protecting users from crypto volatility and enabling seamless purchases both in stores and online. Users can maintain their crypto holdings until the moment of sale, effectively bridging traditional banking convenience with the principles of decentralized finance.

One of the card’s notable features is its 1% cashback on every purchase, which is deposited directly into the user’s wallet in the form of Bitcoin or USDC. This incentive encourages continued use and helps users accumulate more crypto through daily transactions. Additionally, users can receive their paychecks directly into their Ledger CL Card account in crypto, transforming the card into a comprehensive financial service platform.

With 28% of American adults now owning some form of cryptocurrency, the demand for practical, crypto-native financial tools is on the rise. Ledger’s collaboration with crypto fintech Baanx, which also powers crypto cards for MetaMask and Exodus, underscores this growing trend. These partnerships indicate a broader shift towards embedded crypto finance. The CL Card also exemplifies how legacy payment networks are adapting to a decentralized future. Visa’s support for this model reflects increasing institutional trust in crypto systems. As adoption continues to grow, tools like the Ledger CL Card could become pivotal in enabling crypto holders to fully integrate digital assets into their daily lives without compromising real-world functionality.