MetaMask借记卡在美国49州上线，支持Apple Pay与链上返现，加密钱包可直接消费

GateNews

2026-02-27 08:19:34

2月27日消息，MetaMask与Mastercard正式在美国推出MetaMask Card，覆盖美国49个州，包括此前未纳入的纽约州。该卡支持用户直接从自托管钱包消费加密资产，无需提前充值至托管账户，标志着“加密钱包直接支付”在现实商业场景中的进一步落地。

据介绍，MetaMask Card此前已在欧洲和英国完成试点测试，此次为全面进入美国市场。持卡人可在所有支持Mastercard网络的线上及线下商户使用该卡，实现链上资产实时转换并完成支付。用户在交易前始终掌握私钥与资产控制权，支付环节自动完成法币结算。

MetaMask产品负责人Gal Eldar表示，该产品的目标是让加密支付体验与传统银行卡无异，使链上与链下场景之间的界限更加模糊。该卡由Cross River Bank发行，并由Monavate提供底层技术支持，同时兼容Apple Pay与Google Pay，支持非接触式支付。

在激励机制方面，标准版MetaMask Card消费可获得最高1%的稳定币mUSD返利；年费199美元的MetaMask Metal订阅用户，首年最高1万美元消费可享3%返现，并附带旅行与消费权益。

随着美国加密支付借记卡、Web3自托管钱包支付方案逐步成熟，MetaMask此举被视为DeFi融入传统支付网络的重要布局，也为加密资产在日常购物中的应用打开更大空间。

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