Cryptocurrency is no longer just a speculative asset—it’s becoming a practical tool for everyday spending. While many people hold digital currencies like Bitcoin and Ethereum as long-term investments, an increasing number of options now allow users to spend crypto directly on goods, services, and even real estate. Whether you're new to crypto or looking to expand your usage beyond trading, this guide explores the most effective and secure ways to spend your digital assets in 2025.
How to Spend Cryptocurrency: Practical Methods
Spending cryptocurrency doesn’t always require converting it into fiat currency first. However, due to the still-evolving nature of blockchain adoption, most real-world transactions involve some form of conversion—either through third-party services or merchant integrations. Here are the most common and reliable methods to spend your crypto today.
Use a Crypto Debit Card
One of the most convenient ways to spend cryptocurrency is via a crypto debit card. These function like prepaid cards linked to your digital wallet, automatically converting crypto into local currency at the point of sale.
These cards work with major payment networks such as Visa or Mastercard, enabling use at millions of merchants worldwide—both online and in physical stores.
👉 Discover how you can instantly convert crypto into spending power with seamless financial tools.
Top Crypto Debit Card Providers
- Crypto.com Visa Card: Offers multiple tiers based on staking levels, with benefits including cashback, higher withdrawal limits, and airport lounge access. Fully integrated with the Crypto.com app and accepted wherever Visa is supported.
- Coinbase Card: A Visa-powered card that draws funds directly from your Coinbase balance. Known for strong security features like instant freeze, two-factor authentication, and fraud monitoring.
Other notable options include:
- BitPay Card: No transaction fees for U.S. users; supports Apple Pay and loads without conversion fees.
- Binance Card (via Swipe): Available in Europe, offers high cashback rewards but requires holding 600 BNB tokens for top-tier benefits.
- BlockCard: Supports multiple cryptocurrencies and offers generous rewards, though it charges a monthly fee and requires purchasing TERN tokens.
Buy Gift Cards with Crypto
Purchasing gift cards using cryptocurrency is a popular workaround for spending digital assets at retailers that don’t accept crypto directly.
Platforms like BitPay, Bitrefill, and Gyft allow users to exchange Bitcoin and other cryptos for gift cards from major brands such as Amazon, Spotify, DoorDash, Netflix, and more.
This method is ideal for those who want to maintain privacy or avoid signing up for additional financial products. Once purchased, these gift cards function exactly like traditional ones.
👉 Learn how to turn your crypto holdings into instant shopping credits at top global retailers.
Send Crypto Directly from Your Wallet
You can send cryptocurrency directly to individuals or businesses if they provide a wallet address. This peer-to-peer method is commonly used for donations, freelance payments, or private sales.
For example:
- Donating to content creators on platforms like Twitch
- Paying international contractors
- Settling debts among friends
While simple and fast, this method lacks buyer protection. Unlike traditional banking systems, blockchain transactions are irreversible. Always verify wallet addresses carefully before sending funds.
Where Can You Spend Cryptocurrency?
More businesses than ever are integrating crypto payment solutions—either natively or through processors like BitPay, Coinbase Commerce, or OpenNode.
Here are some well-known companies currently accepting cryptocurrency:
Microsoft
Microsoft was one of the earliest adopters of Bitcoin, accepting it since 2014 for purchases in the Microsoft Store—such as games, apps, and subscriptions. Although the service was paused briefly, it has since been reinstated.
Twitch
Twitch streamers can receive cryptocurrency tips through BitPay integration. Supported coins include:
- Bitcoin (BTC)
- Ethereum (ETH)
- Dogecoin (DOGE)
- Shiba Inu (SHIB)
- Ripple (XRP)
The process is user-friendly:
- Select BitPay at checkout
- Connect your wallet or use the BitPay app
- Choose your preferred cryptocurrency
- Scan QR code or enter details manually
Tesla
While Tesla briefly accepted Bitcoin in 2021 before pausing due to environmental concerns, it now officially accepts Dogecoin (DOGE) for select merchandise on its online store. Elon Musk’s continued support has helped boost DOGE’s utility in real-world transactions.
ExpressVPN
Privacy-focused services like ExpressVPN accept Bitcoin, Ethereum, XRP, and stablecoins. Users can subscribe anonymously by providing only an email address—making it a favorite among privacy advocates.
Shopify
The e-commerce platform allows merchants to accept crypto payments through integrated services such as:
- BitPay
- Coinbase Commerce
- Crypto.com Pay
- Strike
- DePay
- OpenNode
Shopify store owners can enable these gateways to accept various cryptocurrencies directly from customers.
Which Cryptocurrencies Can You Spend?
Not all cryptocurrencies are equally spendable. Some are designed more for investment or governance, while others prioritize fast, low-cost transactions ideal for daily use.
Bitcoin (BTC)
Despite being the most recognized digital currency, Bitcoin is often held as a store of value rather than spent. Its slower transaction times and higher fees compared to newer blockchains make it less efficient for small purchases.
However, BTC remains widely accepted across platforms and is legal tender in countries like El Salvador.
Stablecoins (e.g., USDT, USDC)
Stablecoins are pegged to stable assets like the U.S. dollar, minimizing price volatility—a major concern for merchants. They offer the best of both worlds: blockchain efficiency with predictable value.
While not yet widely adopted by mainstream retailers, stablecoins are increasingly used in cross-border remittances and decentralized finance (DeFi) ecosystems.
Dash (DASH)
Designed specifically for payments, Dash enables instant, low-fee transactions. It’s accepted by various online services including NordVPN and CoinGate.
Monero (XMR)
Focused on privacy and censorship resistance, Monero is used by individuals seeking anonymous transactions. Accepted by select online casinos, tech vendors, and privacy-centric platforms.
Frequently Asked Questions
Can you use Bitcoin on Amazon?
No, Amazon does not accept Bitcoin directly. However, you can buy Amazon gift cards with Bitcoin through third-party platforms like Bitrefill or BitPay.
What can I spend my Bitcoin on?
Bitcoin can be used to pay for software (Microsoft), streaming donations (Twitch), subscriptions (ExpressVPN), travel bookings, luxury goods, and even real estate—provided the recipient accepts it.
Can you buy a house with Bitcoin?
Yes—technically. If the seller agrees, real estate transactions can be completed using Bitcoin. However, legal and tax implications vary by jurisdiction. Consult professionals before pursuing large crypto-based purchases.
Does PayPal accept Bitcoin?
PayPal allows users to buy, sell, and hold Bitcoin, Ethereum, Litecoin, and Bitcoin Cash. However, you cannot currently send Bitcoin directly to others via PayPal or use it as a standalone payment method outside the platform.
👉 Explore how next-generation platforms make spending crypto as easy as using a credit card.
Can you transfer Bitcoin to a bank account?
Not directly. To get fiat money into your bank account, you must first sell your Bitcoin on a regulated exchange (like OKX), then withdraw the proceeds in your local currency.
Does eBay accept Bitcoin?
No, eBay does not currently accept Bitcoin or any other cryptocurrency as a payment method. However, they have expressed interest in future digital payment innovations.
By understanding the tools and platforms available today, you can begin using cryptocurrency beyond speculation—turning digital assets into real-world value. As adoption grows and infrastructure improves, spending crypto will become as routine as tapping a contactless card.