ON3X Card has reached a new milestone with record monthly transaction volumes in Q1 2026. The virtual and physical card, which allows users to spend their crypto holdings at any merchant that accepts card payments, has seen a significant surge in adoption across European markets.
Bridging Crypto and Daily Life
The ON3X Card works by automatically converting crypto to local fiat currency at the point of sale. Users maintain their portfolio in crypto assets and only convert to euros, zlotys, or other currencies when they actually make a purchase. This approach lets users stay invested while still having instant access to their funds for everyday expenses.
Growth Metrics
Monthly active card users have grown significantly quarter over quarter, with particularly strong adoption in Poland, Spain, and Portugal. The average transaction size suggests users are increasingly comfortable using crypto-backed cards for a wide range of purchases, from groceries to travel bookings.
No Hidden Fees
One of the key drivers of adoption has been our transparent fee structure. ON3X Card has no monthly maintenance fees, competitive exchange rates, and no surprise charges. Users see exactly how much crypto will be deducted before each transaction is confirmed in the app.