How Crypto-Fiat Debit Cards work

Crypto has taken the world by storm, but getting your hands on digital currencies and converting your crypto into fiat meant jumping through many hoops. What if we could take the flexibility of crypto and bring it to the Realverse? Pay for groceries, receive your salary, and send money to your friends when you split the check.

Good news: it’s already here! Crypto-Fiat Debit Cards have made it possible to have the best of both worlds: the benefits of crypto in your wallet. Yes, including a physical card in addition to a virtual one. 

In this article, we’ll walk you through the ins and outs of Crypto-Fiat Debit Cards, their advantages over traditional debit cards, and explain how you can get one for yourself. 

What is a crypto debit card?

First things first, let’s start with the basics. 

A Crypto-Fiat Debit card, as the name suggests, is a payment card you can use to spend your currencies – regular or crypto – at any merchant that accepts regular debit or credit cards. For hi’s Crypto-Fiat Debit Card, that’s any of the 90M+ Mastercards merchants worldwide. 

These cards work by converting your crypto assets into fiat and any local currency instantly as you pay, whether it’s buying groceries, paying bills, or even booking a vacation. 

It’s a game-changer for anyone who wants to keep the convenience of a card in their wallet while still enjoying the benefits of blockchain.

Crypto-Fiat Debit Card vs. Regular Debit Card

Now that you have an idea of what a crypto-fiat debit card is, you might be wondering how it differs from a regular debit card. Let’s break it down. 

Currency Conversion

Enter the first key difference: currency conversion. With a regular debit card, your transactions are typically settled in your local currency. 

However, with a Crypto-Fiat Debit Card, your crypto assets are converted into fiat in real-time, allowing you to spend your digital wealth wherever traditional cards are accepted. This adds a level of unmatched flexibility: whether it’s fiat in EUR or GBP or crypto, you pay the same way and enjoy the same perks and convenience.

What does this mean for you? No matter where you are and how often you travel, you can use your Crypto-Fiat Debit Card the same way everywhere you go. You and your account are not connected to just one “home” location, making it truly multi-currency.


Both types of cards offer security features like PIN codes and contactless payments. However, Crypto-Fiat Debit Cards also provide an added layer of security through blockchain. 

Your transactions are encrypted using 3DS, a leading security protocol used for online finance. Combine that with biometric authentication, and you have a Crypto-Fiat Debit Card that only you have the keys to. 


It gets better. Unless you’ve been living under a rock, you know what cashback is. Imagine that, but on steroids: 1-12% in Spend Rewards and up to 100% rebate on digital subscriptions like Netflix when you spend with your Crypto-Fiat Debit Card. 

Everything you need is already in one app, in addition to the perks of the ultimately connected world. 

How to get a Crypto-Fiat Debit Card?

The benefits are great, but what about actually getting a crypto debit card? Let’s walk through the simple process of obtaining one with hi:

  • Step 1: Download hi

Start by downloading hi on your phone. If you’re still not convinced a hi Crypto-Fiat Debit Card is for you, check out all of our features here.

  • Step 2: Create an account and KYC

Once you’ve downloaded hi, create an account by providing your phone number and choosing a password. The App will guide you through a simple KYC process that will grant you access to a free European IBAN. Yes, even if you’re not a citizen. 

  • Step 3: Order Your Crypto-Fiat Debit Card

After setting up your hi account and finalizing the KYC process, navigate to the Card section. Activate your first Crypto-Fiat Debit Card with a few clicks and enjoy the new chapter of money!

With just a few simple steps, you can join the crypto debit card revolution. So why wait? Embrace the future of digital transactions and unlock your full money potential with a crypto debit card! 

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