10 Top Xapo Card Alternatives for Safe & Flexible Crypto Spending

This article will cover the top alternatives to Xapo Card for crypto management and spending. Although Xapo has a prepaid crypto card, several other platforms provide better features, including real-time crypto to fiat conversions

Worldwide merchant accessibility, safe wallets and cash back. These alternatives are great for both crypto novices and experts looking to have more flexibility, safety, and practicality with their digital money.

Key Poinst & Xapo Card Alternatives

Alternative	Key Point
Fireblocks	Institutional-grade security for digital assets
BitPay	Crypto payments with Visa/Mastercard integration
CoinGate	Supports multiple cryptocurrencies for merchants
Coinify	Global crypto payment gateway with fiat conversion
0xProcessing	Specialized in crypto transaction processing
Airwallex	Cross-border payments and business accounts
Ripple	Blockchain-based remittance and settlement network
AZA Finance	African-focused cross-border payment solutions
Relai	Simple Bitcoin buying app with self-custody
Crypto.com Card	Popular crypto debit card with cashback rewards

10 Xapo Card Alternatives

1. Fireblocks

Fireblocks provides a secure way to manage digital assets and transact crypto. Unlike Xapo, which focuses on crypto card solutions

Fireblocks provides a complete institutional platform, incorporating advanced custody, multi-party computation (MPC) protection, and optimized links to multiple exchanges and wallets.

Fireblocks’ unique selling point combines top-tier security with rapid high-quality transfers over a variety of networks.

This makes Fireblocks ideal for companies and crypto traders who want a more comprehensive solution than a basic crypto card.

Fireblocks Features

• Institutional-Grade Security: Employs multi-party computation (MPC) technology to shield crypto assets from theft and unauthorized access.
• Fast Transfers: Allows users to quickly transfer and receive money across different networks with little time lost.
• Exchange and Wallet Integration: Easily interfaces with different exchange and wallet services as well as with DeFi services to ensure uninterrupted workflows.
• Custody Solutions: Offers safe custody solutions for large quantities of crypto to corporate and institutional customers.

Pros	Cons
Institutional-grade security with MPC technology	Primarily designed for businesses, less suitable for casual users
Supports fast transfers across multiple networks	No direct consumer-focused card product
Integrates with exchanges, wallets, and DeFi platforms	Can be expensive for smaller operations
Advanced custody solutions for large-scale assets	Requires technical knowledge to manage fully

2. BitPay

BitPay serves as an alternative to the Xapo Card and provides an easy way to spend and manage crypto.

Differently from Xapo, which only provides a prepaid crypto card, BitPay gives users a worldwide crypto payment service that instantly converts digital assets to local currency.

Users can make direct payments at millions of merchants, and BitPay has its own wallet and card. For users that want to spend crypto (debit card) instead of using BitPay as a card, they can use the wallet and card to spend crypto easily and manage it.

BitPay Features

• Global Crypto Payments: Processes crypto payments for over a million merchants across the globe.
• Crypto-to-Fiat Conversion: Provides seamless payment experiences to customers by converting crypto to the local currency almost instantly.
• Wallet & Card System:** Provides customers a virtual wallet and a prepaid debit card for hassle-free access.
• Regulated & Secure: Provides a safe platform to users whether it is for personal use or business, ensuring compliance to regulations.

Pros	Cons
Wide merchant acceptance globally	Limited crypto support compared to full exchanges
Instant crypto-to-fiat conversion	Card availability restricted in some countries
User-friendly wallet and card system	Fees on card loading and ATM withdrawals
Secure and regulated platform	Cashback rewards are lower than some competitors

3. CoinGate

CoinGate represents a solid option for Xapo Card users, as it also provides a spending and crypto management service.

Xapo offers a prepaid crypto card and nothing more, while CoinGate lets users pay with crypto at tens of thousands of vendors, instant crypto-to-fiat conversions, and cash withdrawals via a connected card.

It offers superior flexibility with payments as it offers invoices, point of sale systems, and card payments. It also offers greater access to crypto use at real world vendors. The flexibility of CoinGate provides better management options for crypto assets.

CoinGate Features

• Merchant Payments: Offers the option to make crypto payments for thousands of merchants online and offline.
• Instant Conversion: Makes it easier for users to utilize money by converting crypto to fiat currency instantly.
• Multiple Payment Options: Provides invoices, point of sale, and the option to withdrawals prepaid cards.
• Token Variety: Offers a wide selection of cryptocurrencies for users to choose from.

Pros	Cons
Allows payments at thousands of merchants	Not a full-featured trading platform
Instant crypto-to-fiat conversion	Card services may be limited in some regions
Supports multiple cryptocurrencies	Business-focused features may confuse casual users
Flexible payment options (invoices, POS, card)	Fees vary depending on network and transaction type

4. Coinify

As an alternative to the Xapo Card, Coinify is a fully functional crypto payment and management platform.

Unlike Xapo’s prepaid crypto card, Coinify enables users to effortlessly crypto and spendconvert cryptocurrency to local currency.

Instant With global payments, personal and business payments, and even merchant invoicing and checkout solutions, Coinify supports unique payment capabilities.

This combination of payment flexibility, reliable crypto and fiat transaction, and payment security makes Coinify a fully featured and versatile solution. More than a typical crypto card, Coinify is for users looking to do more.

Coinify Features

• Personal & Business Use: Caters to individuals and companies for cryptocurrency payment solutions.
• Instant Fiat Conversion: During transactions, crypto is converted to local currency instantly.
• Merchant Invoicing: Lets merchants process crypto payments via invoices and online checkout.
• Secure Platform: Fully regulated and safe for crypto sending, receiving, and storage.

Pros	Cons
Supports both personal and business payments	Limited card issuance and physical spending options
Instant conversion to local currency	Not ideal for active trading
Easy global payments and merchant invoicing	User interface can be slightly complex
Secure and regulated platform	Fewer crypto options than some competitors

5. 0xProcessing

0xProcessing is equally viable as an option to the Xapo Card, as 0xProcessing is designed to manage and spend cryptocurrency, whereas Xapo is limited to offering only a prepaid crypto card.

In contrast to Xapo, 0xProcessing offers crypto payment processing designed for businesses and individuals, including the features of instant conversion to fiat and a merchant system.

It specializes in real-time, low-cost transactions on diverse networks and supports a multitude of crypto tokens.

Thus, 0xProcessing offers the best triple combination of advanced crypto processing, affordability, and diverse payment options, making it stand out as a premier provider of cryptocurrency services.

0xProcessing Features

• Low-Fee Transactions: Processes cryptocurrency transactions between networks quickly and cheaply.
• Multiple Token Support: Flexibility in payments enabled by multiple crypto tokens.
• Merchant Integration: Integrates with merchants for seamless acceptance of crypto payments.
• Business-Focused Platform: Targeted for businesses looking for a robust crypto payment solution.

Pros	Cons
Fast, low-fee crypto transactions	More focused on business payments than individual spending
Supports multiple tokens and networks	Card services may not be widely available
Integration with merchant systems	Limited consumer-focused wallet features
Flexible payment options for businesses	Less suitable for casual crypto users

6. Airwallex

Airwallex is an even better option than the Xapo card since it is a global finance platform that is much more than a prepaid crypto card.

In contrast to Xapo’s offering of a way to only store and spend cryptocurrencies, with Airwallex you get multi-currency accounts, virtual cards, and cross-border payment solutions for individuals and businesses.

Airwallex’s offering is particularly useful for international transactions, as it allows for the management, conversion, and spending of multiple identified and fiat currencies all on the same platform.

Airwallex’s combination of global reach, payment flexibility, and instant conversion is Xapo’s most significant competition.

Airwallex Features

• Multi-Currency Accounts: Seamlessly manage and store multiple currencies and crypto in a single account.
• Cross-Border Payments: International transfers are fast and cost-efficient.
• Virtual Cards: Provides cards that let users make online payments in multiple currencies.
• Real-Time Conversion: Spending and transferring are made easier with instant fund conversion.

Pros	Cons
Multi-currency accounts for global use	Primarily business-oriented, limited consumer card perks
Seamless cross-border payments	Crypto support may be limited compared to crypto-native platforms
Virtual cards for flexible spending	Advanced features can be complex for beginners
Real-time conversion and global accessibility	Fees may apply for certain transactions

7. Ripple

When compared to Xapo, Ripple is a viable alternative, emphasizing digital payment solutions instead of just a crypto card.

While Xapo focuses on individual crypto spending, Ripple is geared toward corporations and international transfers, solving the problem of overpriced international payment processing.

Ripple is unique in its collaboration with RippleNet, a global real-time processing network that connects banks and payment providers.

The combination of these factors empowers Ripple to create a versatile digital payment solution that goes beyond a typical crypto card.

Ripple Features

• Fast Global Transfers: Offers fast and almost instantaneous cross-border payments.
• Low Transaction Fees: Cost is less compared to conventional bank transfer.
• RippleNet Network: Offers seamless cross-border settlement to banks and payment providers.
• Enterprise Adoption: Use by financial companies for cross-border payments.

Pros	Cons
Extremely fast cross-border payments	Primarily designed for institutional transfers, not consumer cards
Low transaction fees	Limited direct spending options for retail users
RippleNet network for global settlement	Crypto holding and wallet management are minimal
Strong banking and enterprise adoption	Less suited for everyday crypto spending

8. AZA Finance

An alternative to Xapo, AZA Finance, stands out in the digital payments and crypto management space.

In contrast to Xapo’s singular product offering, a prepaid crypto card, AZA Finance offers a variety of services, including seamless crypto-to-fiat conversion, multi-currency wallets, and instant payments for individuals and businesses.

AZA also integrates traditional financial services and blockchain technology to facilitate rapid, secure, and borderless transactions.

Seriously consider AZA Finance if you want more spending, transferring, and managing digital assets flexibility.

AZA Finance Features

• Multi-Currency Wallet: Customers can use both fiat and crypto supporting currencies.
• Instant Conversion: Users can convert crypto to fiat for spending or transfers.
• Borderless Transactions: Users have access to secure and fast payments globally.
• Business & Personal Use: Solutions to business and personal use cases.

Pros	Cons
Multi-currency wallet with crypto-to-fiat conversion	Still growing, so fewer merchants accept it
Fast, secure, and borderless transactions	Not as widely known as mainstream crypto cards
Integrated financial services with blockchain tech	Limited rewards or cashback features
Supports both individual and business payments	Card features may not be fully developed globally

9. Relai

Relai is also a solid alternative to the Xapo Card in terms of paying no monthyl fee and being able to simply invest and manage Bitcoin as opposed to having to use a prepaid card to spend Bitcoin.

Xapo focuses on spending Bitcoin with a card whereas Relai helps users to invest in Bitcoin and manage a secure wallet where users buy and hold with no steps.

It’s user-friendly design and app-based system is even more versatile as it automates purchase and storage to provide a low-maintenance option that is more secure than traditional crypto card solutions making it great for those who are novice investors as well as long term investors.

Relai Features

• Simplified Bitcoin Investing: Users can buy and hold Bitcoin without hassle.
• Automated Purchases: Users can buy to invest and grow for the long term.
• Secure Wallet Storage: Users do not have to actively manage their crypto.
• Beginner-Friendly Interface: Users can get started without any experience.

Pros	Cons
Simple Bitcoin investing and wallet management	No physical card for direct spending
Automated purchases for long-term investing	Limited crypto options (mostly BTC-focused)
User-friendly for beginners	Less suitable for active traders
Secure storage with minimal steps	Cannot pay directly at merchants with crypto

10. Crypto.com Card

The Crypto.com Card is a good option instead of the Xapo Card. Users can spend freely and earn rewards in crypto.

While Xapo only offers a prepaid crypto card, Crypto.com offers the card as part of a full crypto ecosystem that includes trading, crypto cashback, staking, and so on.

Users can earn a lot of crypto cashback for daily purchases and gain a lot of asset management benefits on the platform.

Only one card will manage the spending, financial, and rewards needs of the users, so Crypto.com is a perfect alternative to Xapo.

Crypto.com Card Features

• Crypto Cashback Rewards: Users can get rewards in crypto for spending, depending on the card tier.
• Wide Merchant Acceptance: Users can use the card as any other card.
• Integrated Crypto Ecosystem: Users can trade, stake, and manage their crypto on the app.
• Multiple Crypto Support: Users can get rewards and spend various cryptocurrencies.

Pros	Cons
Earns cashback rewards in crypto	Some higher-tier cards require staking CRO tokens
Integrated with a full crypto ecosystem	Fees on certain transactions and ATM withdrawals
Wide merchant acceptance globally	Some regions may have limited card availability
Supports multiple cryptocurrencies	App can feel complex for beginners

How To Choose Xapo Card Alternatives

• Security: Look for services with advanced security features, such as multi-party computation.
• Crypto Support: Look into the cryptocurrencies each service supports for spending, converting, and storing.
• Fees & Limits: Analyze each provider’s spending limits and transactional, withdrawal, and card fees.
• Global Acceptance: Choose services that are universally accepted for purchases to offer freedom to spend.
• User-Friendliness: Prioritize services that are easier to navigate for wallet and spending management.
• Conversion Options: Select services that provide seamless conversion from crypto to fiat currency instantly.
• Rewards & Benefits: Consider other valuable features offered like crypto rewards, staking, or cashback.
• Business vs Personal Use: Identify whether the service accommodates individuals, businesses, or both.
• Customer Support: Prioritize services that offer prompt support to address questions or issues.
• Transaction Speed: Look for services that offer and permit fast transfers and payments.

Conclusion

In conclusion, alternatives to Xapo Card provide diverse strategies for spending, managing, and manipulating cryptocurrency.

BitPay, Crypto.com, and Fireblocks provide extra features such as enhanced security, universal access to merchants, instant crypto to fiat, and cash-back rewards.

Whether you are a novice or a commercial user, these alternatives provide greater flexibility and functionality than a typical crypto card. They are perfect for today’s sophisticated needs for managing digital assets.

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