The rise of cryptocurrency has opened new doors for financial freedom—but one persistent question remains: Can you actually spend your crypto earnings in daily life? For many investors, digital assets feel distant from real-world utility. However, with the right tools, turning crypto profits into tangible spending power is not only possible but increasingly seamless.
This article dives into real-world experiences using the Crypto.com Visa Card in Taiwan and abroad, including practical steps for setup, integration with LINE Pay, and firsthand insights from purchases in Japan and Singapore. Whether you're a seasoned investor or just exploring crypto usability, this guide will help you bridge the gap between blockchain gains and everyday spending.
Can You Really Spend Crypto Earnings?
When friends and family hear about crypto investments, the most common reaction is skepticism: “But can you actually use that money?” Converting crypto to usable local currency in Taiwan traditionally involves multiple steps:
- Selling crypto on a local exchange (e.g., BitoPro, MAX).
- Transferring funds to a linked bank account.
For those using global platforms like Binance or Bitget, the process becomes even more complex—requiring transfers from overseas exchanges to domestic ones. This friction often discourages new users from fully engaging with the ecosystem.
But there’s a better way.
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Why Crypto.com Visa Card Stands Out
Among experienced crypto users, the Crypto.com Visa Card consistently ranks as the top choice for direct crypto spending. Instead of navigating multiple exchanges and withdrawal processes, this card allows users to convert digital assets into fiat currency instantly—enabling real-time purchases anywhere Visa is accepted.
While numerous articles cover card tiers, signup bonuses, and application procedures, this piece focuses on real usage experience, particularly in Taiwan and during international travel.
Key Benefits of the Crypto.com Visa Card
- Direct conversion of crypto to fiat (SGD)
- No need to withdraw to a traditional bank account
- Seamless integration with mobile payment apps like LINE Pay
- Global usability with minimal transaction friction
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Step-by-Step Guide to Using the Crypto.com Visa Card
Step 1: Apply for the Crypto.com Visa Card
To begin, sign up and apply for the Crypto.com Visa Card through the official app. Note: This is a debit-style card, meaning it requires pre-funded balances—no credit line is extended.
Step 2: Transfer Funds from Binance to Crypto.com
Start by transferring stablecoins like USDT from your Binance wallet to your Crypto.com wallet. In my case, I moved 10 USDT—a simple process with low fees and fast confirmation times.
Step 3: Fund Your Visa Card with SGD
Once funds are in your Crypto.com wallet, follow these steps:
- Open the Crypto.com app
- Navigate to “Payment Card”
- Tap “Top Up”
- Select amount in SGD (Singapore Dollar)
I successfully loaded 13.1 SGD from my 10 USDT balance, taking advantage of favorable exchange rates.
⚠️ Important: You cannot directly top up using CRO (Crypto.com’s native token). Convert to USDT, BTC, or another supported cryptocurrency first.
This step completes the transformation from crypto holdings to spendable fiat—bypassing traditional banking bottlenecks.
Step 4: Start Spending Instantly
With funds loaded, your card works wherever Visa is accepted. For enhanced convenience in Taiwan, link it to LINE Pay—just like adding any standard credit card.
❗ Note: As of now, the Crypto.com Visa Card does not support Apple Pay in Taiwan, likely due to regional limitations. However, the physical card functions flawlessly at point-of-sale terminals.
👉 Learn how to maximize your digital asset utility across global platforms.
Real-Life Spending Experience in Taiwan
Date: June 19, 2024
Location: Meihao Days Café (near Taipei Sun Yat-sen Memorial Hall)
Purchase: Bulgogi Rice Bowl + Sicilian Coffee
Amount: TWD 325
I paid via LINE Pay linked to my Crypto.com Visa Card. The process was identical to regular LINE Pay transactions—scan QR code, confirm amount, done.
In the Crypto.com app, the transaction showed as 13.68 SGD (equivalent to ~325 TWD). Using a currency converter, I calculated a minor exchange difference of TWD 2.67 (~0.8% extra cost)—a small price for bypassing multiple transfer steps.
Additional successful transactions included:
- Bafang Yunji (dumpling chain)
- Notch Coffee
- Online tutoring platform Amazing Talker
- In-store payment at Ai Gou Supermarket
One limitation: As of August 2024, StreetVoice (Jieshou) does not support linking the Crypto.com card.
Using the Card in Japan
Dates: March 28–30, 2025
Locations: Kawaguchiko, Shinjuku, Narita Airport
During a recent trip to Japan, I used the card at convenience stores, restaurants, and transportation hubs. While a small foreign exchange fee applied (converting SGD to JPY), the transaction success rate was 100%. At Narita Airport, I even used it for last-minute souvenirs without issues.
Seamless Transactions in Singapore
Dates: April 3–6, 2025
Locations: Sentosa, Universal Studios, Singapore MRT
Since the card operates in SGD, spending in Singapore incurs zero currency conversion fees. I used it freely across attractions and public transit—including tapping directly on MRT gates. The experience was smooth, fast, and indistinguishable from using a local bank card.
Frequently Asked Questions (FAQ)
Q: Can I use the Crypto.com Visa Card with Apple Pay in Taiwan?
A: No, Apple Pay integration is currently unavailable in Taiwan. However, the physical card works at all standard Visa terminals.
Q: Why can’t I use CRO to top up my card directly?
A: CRO must be converted to supported currencies like USDT or BTC before funding your card balance.
Q: Are there hidden fees when using the card overseas?
A: While no transaction fees apply beyond standard FX spreads, expect minor differences due to interbank exchange rates.
Q: Is it safe to link my Crypto.com card to LINE Pay?
A: Yes—LINE Pay uses industry-standard encryption, and linking is as secure as adding any other card.
Q: Does the card work for online subscriptions?
A: Yes! I’ve successfully used it for Netflix and Spotify without issue.
Q: How fast does funding take?
A: Once crypto is in your wallet, top-up processing is nearly instant.
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Final Thoughts: We’re Still Early
While crypto adoption is growing, we’re still in the early stages of mainstream usability. True scalability will require innovations like Taiwan-dollar stablecoins backed by regulatory frameworks—potentially issued by private entities under government oversight.
For now, tools like the Crypto.com Visa Card offer a powerful bridge between digital wealth and real-world spending. Combined with local payment networks like LINE Pay, they bring us closer to a future where crypto isn’t just an investment—but a lifestyle.
So yes, you can spend your crypto earnings. And with the right setup, it’s easier than ever.