Both traditional prepaid cards and crypto-funded cards let you spend a preloaded balance without a credit check. The key differences lie in how you reload them and when currency conversion happens.
Published September 15, 2026 · 2 min read
A traditional prepaid card is loaded with fiat currency in advance from a bank transfer, cash top-up, or linked bank account, and spends down that balance. A crypto-funded card is topped up from a crypto wallet instead, converting to local currency at the point of payment or withdrawal rather than holding a pre-converted fiat balance.
Both card types typically avoid a credit check and do not offer a credit line, since spending is limited to whatever balance has been loaded. This makes both accessible without a traditional banking relationship or credit history.
Reloading a traditional prepaid card often requires a bank transfer or a physical top-up location. A crypto-funded card can be topped up directly from crypto holdings without an intermediate bank step, which can be faster if you already hold cryptocurrency.
Nexus Pay combines a crypto wallet with a Visa card, allowing you to fund the card from holdings across six networks and swap coins in-app. It works like a prepaid card at the point of sale, but reloads directly from crypto rather than requiring a separate bank transfer each time.
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