MEXC and Ether.Fi Introduce a New Crypto Card Blending Cashback, Yield, and Daily Payments
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MEXC has partnered with the decentralized staking platform Ether.Fi to roll out a new co-branded crypto payment card aimed at bridging digital assets with everyday spending. Launching during a period of tighter regulatory oversight across Europe and beyond, the MEXC crypto card offers users a practical way to use crypto without stepping outside compliance requirements.
Available through a limited-time launch campaign running from January 15 to February 15, 2026, the card includes 4% cashback on purchases and a $15 USDT incentive for eligible early users. As crypto holders adapt to changing tax and reporting frameworks, the MEXC × Ether.Fi card positions itself as a convenient solution for spending crypto in real-world settings.
Regulatory Pressure Is Reshaping How Crypto Is Spent
Recent regulatory developments, particularly the MiCA crypto regulations in Europe, have changed how many users approach crypto usage. Stricter disclosure rules and clearer tax obligations are pushing holders to look for spending options that are transparent yet flexible. Instead of relying on manual conversions or frequent transfers to banks, crypto-backed payment cards are gaining traction as a more seamless alternative.
These cards allow users to spend directly from their crypto-linked balances, reducing friction and avoiding unnecessary liquidation events. In this environment, spending tools that combine regulatory alignment with usability are becoming increasingly relevant. The rise of crypto cards reflects a broader shift toward integrating digital assets into daily financial routines without sacrificing oversight or user control.
Rewards Structure That Extends Beyond Basic Spending
At the core of the MEXC × Ether.Fi card offering is a rewards model designed to appeal to both casual users and more active crypto participants. Cardholders earn a flat 4% cashback on eligible purchases, turning everyday spending into a steady source of crypto rewards. During the launch period, new users who meet the deposit requirement and successfully apply for the card can also receive a $15 USDT bonus.
Beyond cashback, this crypto staking card connects to Ether.Fi’s staking ecosystem; allowing certain assets held within the account to earn yields of up to 10% APY. To further incentivize early adoption, select categories such as dining and groceries are eligible for higher cashback rates of up to 15% during January. This layered reward structure blends spending, earning, and yield generation into a single product.
Participating in the launch campaign requires a few straightforward steps. New users must create an account on MEXC and complete the required identity verification process. Once verified, users need to deposit a minimum of 100 USDT into their account.
After completing the deposit and submitting an application for the MEXC crypto card, eligible users qualify for the $15 USDT bonus. The promotional window runs until February 15, 2026, with rewards distributed shortly after the campaign concludes. This setup allows users to offset part of their initial deposit while unlocking ongoing cashback and staking features once the card is active.
Referral Incentives Designed for Long-Term Engagement
In addition to direct user rewards, users can also earn crypto card referral rewards. Users who invite others to join MEXC and successfully obtain the card can earn 10 USDT for each qualifying referral. There is no stated limit on the number of referrals, making the program particularly attractive for community builders and content creators.
Beyond the one-time referral bonus, referrers also receive an additional 1% cashback on spending made by their referrals using the card. This creates a passive reward stream tied directly to real usage, rather than short-term promotional actions. The referral structure is designed to scale naturally as more users adopt the card and integrate it into their daily spending.
Everyday Usability Across Travel and Lifestyle Spending
One of the MEXC crypto card’s strongest selling points is its broad acceptance and ease of use. Operating on the Visa network, the MEXC × Ether.Fi card can be used at millions of merchants worldwide and supports popular mobile wallets such as Apple Pay and Google Pay. This allows users to make contactless payments both online and in-store with minimal friction.
For frequent travelers, the card offers additional lifestyle benefits. Users can access discounts of up to 65% on select luxury hotel bookings, along with 5% cashback on eligible reservations. Outside of travel, routine expenses such as transportation, food delivery, and retail purchases continue to earn the standard 4% cashback, reinforcing the card’s role as an all-purpose spending tool rather than a niche crypto product.
Balancing User Control with Compliance Requirements
While the card prioritizes ease of use, it also operates within established regulatory boundaries. All applicants must complete KYC checks to activate the card, ensuring alignment with anti-money laundering standards. At the same time, the underlying infrastructure remains non-custodial, meaning users retain control of their assets until a transaction is executed.
Availability is subject to regional regulations. The card is accessible in many parts of Europe, Asia, Latin America, and select regions elsewhere, but certain countries and jurisdictions are excluded due to local restrictions. Residents of areas such as China, India, and most U.S. states are currently unable to apply.
Intended Audience and Practical Use Cases
This crypto cashback card is designed to serve a diverse group of crypto users. Traders can use it to access liquidity from their holdings without fully exiting positions. Yield-focused participants benefit from the integration of staking rewards alongside spending functionality. Meanwhile, users concerned about frequent fiat conversions or complex reporting may find value in a crypto-backed spending option that operates within a compliant framework.
Rather than targeting a single niche, the card aims to support users who want their crypto to function as a usable financial asset, not just an investment held on an exchange.
With this launch, MEXC signals a shift beyond traditional exchange services and toward everyday financial utility. By working with Ether.Fi, the platform combines DeFi yield mechanisms with real-world payments in a single product.
The card reflects a growing trend where exchanges expand their offerings to include tools that make crypto more practical in daily life. As regulation and adoption continue to evolve side by side, products like the MEXC crypto card highlight how digital assets can move closer to mainstream use.
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