The 3 Best Crypto Cards (And the One I Actually Use)

These 3 Are Worth Your Time

I’ve been in this phase for a while now. And one of my biggest problems is that I tend to overthink how to perfectly optimize my future. What I’ll do once I reach a certain point. How my life would look in a world without political, geographic, or financial attachments.

And as many of you know (you know me well by now) what really drives me is making everything as simple as possible. Finding that direct line between owning assets and living well. No complexity, no selling. Because more often than not, the smartest move is the simplest: buy assets, borrow against them, and do nothing.

You don’t need to juggle a hundred protocols or squeeze every last drop from every tool out there. It all comes down to the big numbers. Trying to optimize everything, all the time, just isn’t worth it.

And lately I’ve been seeing a trend that grabs my full attention.

Today, for almost anything, you still need to ask permission from the banks. You need liquidity, you go to the bank. Paperwork, conditions, signatures, fees. Even if you own the asset outright, using it as collateral still means delays, friction, and bureaucracy.

Try it with Bank of America. Santander. Chase. Makes no difference. The system’s the same. They hold the permission.

But when you use the blockchain, it’s different. Two clicks and you can borrow against your Bitcoin. No one asks questions. No one imposes absurd conditions.

If you go to a decentralized protocol like Aave or Morpho, it’s even faster. You’re done in ten minutes. Literally.

And this is where it gets even more interesting.

What happens next? How do you spend the money?

Borrowing is just one part of the system. The other is spending that money efficiently. And most people are still stuck in the old world.

Most traditional bank cards are garbage. They give you nothing in return. Fintechs are trying (Revolut gives 1% cashback, for example) but it’s not enough. They’re still building on top of a broken system.

I believe the real disruption is coming from cards directly linked to wallets. Cards that let you do something as simple as: borrow against your WBTC, and spend it.

Buy. Borrow. Die.

That’s it.

I’ve been diving deep into this space. Comparing options. Testing real products. And today I want to share the three best cards I’ve found so far for this no-permission lifestyle.

First up is Ready. It’s powerful because it lets you use the Buy Borrow Die strategy with your WBTC. But it’s not perfect. Moving WBTCs between networks can be tricky. And for now, there’s no mobile card. Worth keeping in mind.

Then there’s EtherFi. This one blew me away. You stake your funds into a DeFi protocol earning 7–10%, and meanwhile, you spend from the card. On top of that, you get 3% cashback. Very solid setup. Personally, it is the one that I’m using now.

Lastly, BLEAP. Super simple. Straightforward. No hidden fees. Cashback is lower, yes, but the experience is smooth and clean.

And in all of these, you’re the custodian. You control the wallet. No one can freeze your account. No one can block your transactions. No one tells you no.

That’s what I love about this.

Because while the traditional system keeps collapsing under its own weight, something new is quietly rising. More efficient. Permissionless.

When you can borrow against your WBTC, without selling, and spend that liquidity freely — you’re playing a different game.

One most people still don’t even understand.

And the more people move in this direction, the more real-world spending is built on Bitcoin instead of fiat, the more irrelevant the legacy system becomes. That’s the shift. Fiat will still exist, sure, but only as a spending layer. Real value will live elsewhere.

And the best part is — this isn’t some future fantasy. It’s already happening. It already works. I’m already using it.

Every time I spend without selling. Every time I run the Buy Borrow Die strategy with my WBTC. Every time I choose when and how — I get one step closer to that world I imagined at the start.

And that, for me, is real freedom.