Tracked Crypto-Card Volume Reaches $12.5 Billion as Fold, Aven Add Options

Tracked crypto-card payment activity has reached $12.5 billion, up 140% from January 2026 and 247% higher than in October 2025, as new products connect Bitcoin (BTC) to purchases and credit.

The measurement covers selected blockchain networks and combines indexed on-chain transactions with limited issuer data. Some card programs expose top-ups rather than purchases, so the tracked volume may not equal spending at merchants.

Fold began rolling out its Fold Bitcoin Credit Card to part of its waitlist on May 27, 2026. The Visa card is issued by Celtic Bank and uses Stripe Issuing. It offers a 1.5% base Bitcoin reward on eligible purchases, with a maximum advertised rate of 4% under specified conditions. Paying the statement with Bitcoin can add another 0.5%.

The card is accepted at 175 million Visa-accepting merchants. It is an unsecured credit product, meaning purchases are not backed by pledged Bitcoin.

“Consumers want more choice in how they earn and use rewards, and digital assets are becoming part of that,” said Dan Roesbery, vice president of Global Partnerships & Crypto GTM at Visa.

Aven’s Bitcoin Visa Card uses pledged Bitcoin as collateral. It offers credit of up to $1 million, with fixed-term plans extending as long as 10 years. BitGo Bank & Trust holds the Bitcoin, while Coastal Community Bank issues the Visa card.

Aven’s current product page lists rates beginning at 9.24% annual percentage rate, with rates determined partly by loan-to-value. Borrowers pledge Bitcoin as collateral and face potential liquidation if collateral values fall or loan-to-value limits are exceeded.

The products illustrate two crypto-linked card models: Fold ties eligible purchases to Bitcoin rewards, while Aven uses Bitcoin-backed collateral for credit. The tracker’s selected blockchain coverage and limited issuer data mean the $12.5 billion figure represents activity within that measurement system, not the entire global card market.