Billz

@JAM_Card_X The first wave was: "Can I spend my crypto?" The next wave is: "Can I keep my crypto and still pay?" That's the idea behind what we're building at Billz.

For years, cryptocurrency was primarily used for trading, investing, and storing value. Today, the way people use crypto is changing. More users want to do more than simply hold digital assets. They want to spend them. Paying for subscriptions, booking travel, shopping online, covering everyday expenses, and making purchases anywhere traditional cards are accepted is becoming an increasingly important part of the crypto experience. This shift is driving demand for products that connect digital assets with everyday spending. Jam сrypto cards help bridge that gap by making it possible to use crypto in real life without changing established payment habits. Instead of moving funds between multiple platforms, converting assets manually, or relying on traditional banking infrastructure, users are looking for faster and more convenient ways to access and spend their funds. With the Jam App users can manage digital assets, move funds, and spend crypto in everyday life through a single platform designed to make crypto more practical and accessible. The future of crypto is not only about holding assets. It's about being able to use them whenever you need them. This is exactly what the Jam Platform was built for. 📲 Spend crypto in everyday life with Jam App jamcard.io/download

@pactfinance Agreed. Onboarding is solved when people stop thinking about onboarding tbh They just get paid, save, spend and manage their finances onchain without changing their habits.

@Billz_io A big part of the global financial shift on-chain 💯

@nadoHQ People used to ask: "When can I spend my crypto?" The better question is: "Why should I have to sell it first?" That's where products like Billz Card are heading.

@Mr_Samuel01 Alternative plan: - Keep the NFTs. - Keep your crypto. - Keep your dad's house. Use Billz 😅

Think out loud : I just got a loan of $5000 I use my dad’s house as collateral. I’m planning to invest and make money. With everything I have gathered from few weeks to months ago I could see people saying NFTs meta are coming back. So below is my plan. I’m planning to buy some Xeet cards, also buy MegaEth ecosystem NFTs and then I’m planning to buy some Somnia eco NFTs most especially Quills and play-variance and uprising Genesis nft. This is my last hope. If this fails me, I’m gibbing up on web3 and crypto in general. Yall say NFTs szn is back.

@RipBullWinkle The card is interesting. The bigger shift is moving away from "sell first, spend later." That's the future we see with Billz Card: pay real-world expenses while keeping your exposure.

Coinbase just launched a stablecoin-backed credit card with Cardless, making crypto spending as simple as traditional banking. This type of mainstream crypto integration paves the way for broader digital asset adoption including $XRP.

The interesting part isn't the card. It's the shift from "sell to spend" to "use to spend". For a lot of crypto holders, selling assets can mean giving up future upside and potentially creating a tax event depending on jurisdiction. That's exactly why we're building Billz Card around the idea of pay without selling.

𝐂𝐫𝐲𝐩𝐭𝐨 𝐍𝐞𝐰𝐬 𝐓𝐨𝐝𝐚𝐲: 𝐁𝐓𝐂 𝐄𝐓𝐅 𝐎𝐮𝐭𝐟𝐥𝐨𝐰𝐬, 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐁𝐮𝐲𝐬 𝐁𝐢𝐠, 𝐂𝐨𝐢𝐧𝐛𝐚𝐬𝐞 𝐋𝐚𝐮𝐧𝐜𝐡𝐞𝐬 𝐔𝐒𝐃𝐂 𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐚𝐫𝐝 & 𝐌𝐨𝐫𝐞 Bitcoin ETFs recorded $91 million in outflows as Strategy expanded its BTC holdings. Solana stayed ahead in DEX activity, while Hyperliquid gained perp market share and Coinbase launched a stablecoin-backed credit card. #Bitcoin #Solana #CryptoNews #Strategy #Coinbase #AI #AINews #AnalyticsInsight #AnalyticsInsightMagazine   Read More 👇 zurl.co/zM9UL

@Face_Less33 The next step is not just spending crypto. It's paying without having to sell it first. That's the problem we're focused on at Billz.

one of the things I’ve always wanted as a crypto user is a simple way to spend crypto in everyday life without constantly moving funds between apps and bank accounts today I used my Amulets card for a real purchase, and honestly it felt just like using a regular payment card except I was spending crypto what I like most is earning cashback in SOL on eligible purchases while still being able to use assets like SOL, ETH, USDC, and USDT for daily spending. It’s a small detail that makes a difference when you’re already living on-chain If you’ve been looking for an easier way to bridge crypto and real-world payments, Amulets is worth checking out join with us : amulets.io my referral code: PX5F7 new users who sign up using my code can get : $5 bonus (if eligible) 2% cashback for the first 30 days after opening an account and spending $100 what would be the first thing you’d buy with crypto if you could use it anywhere Visa is accepted ? @amuletslabs @superteam

@Lin98201 @useTria Cashback is nice. Keeping your assets productive while paying real-world expenses is where things start getting really interesting. That's what we're building at Billz.

random thought after checking my spending today most cards just take money from you @useTria is trying to make the swipe do a bit more their lootgo link turns normal card spend into cashback plus gems, and those gems can flow into an IRL treasure hunt where people chase raffles, $SKR, $MOM and partner rewards that is actually a fun angle not another tab to farm not another daily task that feels like homework just spend, walk, collect, maybe get lucky crypto gets way more interesting when it stops asking people to understand every backend detail and just gives them something useful would you try the Tria card for this or nah?

@JJXMeta @BitgetWalletAF @BitgetWallet @StellarOrg The biggest compliment for any crypto product is when users stop noticing the crypto part. That's when adoption starts becoming inevitable. A big part of what we're building at Billz.

Day 10 of my 20-day crypto survival challenge in South Africa 🇿🇦 The biggest surprise? It feels just like using a normal bank card. Tap, swipe, pay online, simple.👌 Halfway through the challenge, and living on crypto is looking far more practical than many people think. Would you try living on crypto for 20 days? Here’s my referral link 👇 hzlvxRCb #Crypto #SouthAfrica #USDC #Stellar #BitgetWallet

@Dylan_HODL @Tap_Fintech Mass adoption probably happens when users stop caring which rail, wallet or protocol is being used underneath. That's a big part of what we're thinking about at Billz.

Everyone talks about onboarding the next billion users. Then they hand people 12 apps, 4 wallets and a bridge. @Tap_Fintech gets it. Crypto, fiat, yield, payments, cashback, card spending. One app. That's probably what mass adoption actually looks like.

@Zyllona @useTria Tria is solving custody. At Billz we're focused on another piece of the puzzle: letting people stay invested while still accessing spending power. Feels like both directions eventually converge.

One detail about the @useTria Card that doesn't get enough attention: Your crypto isn't sitting with a card provider waiting to be spent. It stays in your wallet. When you make a purchase, the system handles the conversion in real time and the merchant receives fiat as usual. The experience feels like using a normal card. The ownership stays true to crypto. That's what makes a self-custodial payment model interesting.

@aigarxyz The next step is: "You paid with crypto?" "No. I paid with my card and kept my crypto earning." That's when things get interesting. That's the vision behind Billz.

Last week at lunch with a friend, I tapped to pay for both meals. He: "You just paid for lunch with crypto?" Me: "No. I just paid for lunch with my card. The crypto part is implementation detail." This is the win. Slowly, then suddenly.

@IxsFinance @slashapp @Stable @StraitsX The missing layer is treasury. Most crypto-native businesses still sell assets every month to pay real-world expenses. The next step is spending against collateral while staying invested. That's where Billz is headed.

If you’re building in wallets, stablecoins, cards, offramps, yield, treasury, or RWAs, DMs are open. We’d love to explore how IXS can collaborate. @slashapp: crypto payments for merchants and users @Stable: stablecoin-first financial products @StraitsX: regulated stablecoin and payments infrastructure @Tap_Fintech: crypto app, card, and payments @useTria: chain-abstraction wallet and payments experience @itstuyo: consumer financial app for the onchain economy @On_Veera: digital banking and stablecoin access @wirexapp: crypto-enabled payments, accounts, and cards @zothdotio: tokenised real-world asset infrastructure

The neobank stack is moving onchain. Cards, wallets, stablecoins, remittance, savings, yield, payments, offramps, and RWAs are all starting to converge into one financial layer. If you’re building here and want to collaborate on regulated RWA vaults, DMs are open.

Interesting breakdown. One category I think is still missing: Products built around paying real-world expenses without selling assets. Not custodial spending. Not just borrow-to-spend. Using yield-bearing collateral to access liquidity while staying invested. That's exactly the problem we're solving with the Billz Card. Join the waitlist 👇 bill-z.com/card

The crypto card sector reached $832.8M in monthly volume in May 2026, up 60% from $519.7M in November 2025. More importantly, the growth is becoming diversified. What was once dominated by a single provider is now evolving into multiple product categories serving different user needs. ● Sector Overview ➢ Monthly volume grew from $519.7M (Nov 2025) → $635.2M (Jan 2026) → $832.8M (May 2026) ➢ USDT accounts for roughly 72% of settlement volume ➢ Visa now handles approximately 97% of crypto card settlement activity The category is no longer a niche product for crypto users. It is increasingly becoming a consumer financial layer built on stablecoin infrastructure. 1. @RedotPay RedotPay remains the largest program in the sector. ➢ $445.4M monthly volume ➢ Roughly 53% market share ➢ 40% growth over six months The average transaction size sits around $819, suggesting many users treat RedotPay as a capital movement and spending bridge rather than a day-to-day payment card. Its strength comes from simplicity. Users deposit stablecoins and gain spending access across more than 130 countries. The product has built strong distribution across Southeast Asia and Africa, where stablecoin utility often solves practical financial problems. 2. @KASTxyz KAST reached $174.7M in monthly volume and continues to gain share. Built on Solana, the product focuses on: ➢ Near-instant settlement ➢ Low transaction costs ➢ Cashback and rewards incentives ➢ Native stablecoin experience The combination of cheap rails and reward-driven retention appears to be working. KAST is increasingly positioning itself as the consumer-friendly stablecoin spending account. 3. @ether_fi Cash EtherFi Cash processed $80.4M in volume during May. The volume figure alone misses the story. ➢ 6.6M+ transactions ➢ 81k+ active addresses Unlike custodial card providers, EtherFi allows users to borrow against their crypto rather than sell it. Users maintain exposure to their assets while unlocking spending power. The result is a very different customer profile: crypto-native users looking to preserve upside while accessing liquidity. ● The Long Tail Is Growing Growth is not limited to the largest programs. Several smaller players are scaling rapidly: ➢ Karta: +427% ➢ @KoloHub: +276% ➢ @useTria: continued recovery ➢ @Plasma One: entered the rankings at meaningful scale While the largest providers continue to dominate volume, niche products are beginning to establish product-market fit across different user segments. ● My Take The sector is increasingly splitting into two distinct markets. 1. Custodial stablecoin spending networks Examples: RedotPay, KAST These products optimize for accessibility, payments, and global stablecoin utility. 2. Non-custodial borrow-to-spend platforms Examples: EtherFi Cash, Tria These products optimize for capital efficiency, yield preservation, and crypto-native financial behavior. Both categories are growing simultaneously. That suggests the market is not converging on a single model. It is expanding into multiple financial products built on the same underlying stablecoin infrastructure.

@coinbureau Huge step for adoption. The more interesting shift is that crypto users are starting to expect access to liquidity without having to sell first.

🚨 COINBASE INTRODUCES CREDIT CARD BACKED BY USDC Coinbase and Cardless are launching a credit card that lets people use USDC holdings as collateral for credit. The product is designed for users who may not qualify through traditional credit checks but already hold stablecoins on Coinbase.

@Bim_Exchange @Stellar @Bitcoin The best payment experience is probably the one where users never have to think about bridges, chains or settlement paths at all.

Most card on-ramps drop your crypto on one EVM wallet and stop there. BIM delivers direct to @Stellar, to native @Bitcoin , or to any of 8 EVM chains. Same card payment. The destination is yours to pick.

@ptservlor The funny thing is most people think AI agents will replace tasks. What they're really starting to replace are workflows.

@Billz_io I’m so close to this! I have my employee time tracking completely automated. Soon I will roll payroll into that feature. Making payroll complete autonomous. Also currently building a take-off agent that will handle all material estimates and ordering!

What if paying a bill didn't mean becoming poorer?😲 Most crypto users sell assets when they need cash. • But selling means losing exposure. • Sometimes losing future upside. • And depending on where you live, potentially creating a taxable event. We think there's a better way. Pay without spending. Keep earning on your collateral. Billz Card waitlist 👇 bill-z.com/card