BitPay
est. 2011
The original crypto payments company — invoices, cards and merchant rails since 2011.
Spend & Earn
paymentsinvoicing
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4 curated resources · 2026 directory
Spend & Earn · compared & reviewed
The bridge between crypto and daily life: spend cards, gift-card marketplaces, payment rails and yield products. Compare real rates and read the fine print — 'up to' yields are marketing, not promises.
Quick picks — How do I actually spend crypto?
★ = Sumo Pick, our editors' recommendation for the most common use case.
Every spend & earn we list
Bitrefill
est. 2014
Turn crypto into gift cards, mobile top-ups and bills — the easiest way to actually spend it.
Spend & Earn
gift-cardsspending
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Nexo
est. 2018
Earn interest on idle crypto or borrow against it — the CeFi yield-and-credit platform.
Spend & Earn
interestlending
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Wirex
est. 2014
A crypto-friendly card and payments app spanning 60+ currencies and 6M+ users.
Spend & Earn
cardpayments
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Frequently asked questions
What's the easiest way to spend crypto?
Gift cards via Bitrefill (no KYC for crypto payments) or a crypto card like Wirex or Crypto.com's Visa. Remember spending crypto can be a taxable event in many jurisdictions.
Are high-yield crypto accounts safe?
Yield always comes from somewhere — usually lending risk or new-token emissions. Custodial yield platforms (like Nexo) add counterparty risk, as 2022 demonstrated. Compare against boring baselines like Aave or Lido rates and size accordingly.