Zoomex Card Launches to Make Crypto Spendable in the Real World

MAHÉ, SEYCHELLES – December 29, 2025 – Global cryptocurrency exchange Zoomex has officially opened early registration for its Zoomex Card, a new product designed to connect users' digital assets with the global fiat payment system. The move signals the platform's entry into the increasingly competitive crypto-linked debit card market, aiming to solve a long-standing challenge for crypto holders: using their assets for everyday purchases as seamlessly as traditional money.

A Bridge Between Two Financial Worlds

The core proposition of the Zoomex Card is to eliminate the friction between holding cryptocurrency and spending it in the real world. Historically, using crypto for daily transactions has been a cumbersome process, often requiring users to manually convert assets on an exchange, transfer funds to a bank, and then spend via traditional means.

Zoomex aims to streamline this with a card that integrates directly with a user's crypto holdings. Through a strategic partnership with the regulated financial platform UR, cardholders will gain access to a global multi-currency bank account. Users can deposit the stablecoin USDC directly into this account, which then becomes available for spending. The account supports major fiat currencies, including the US Dollar, Euro, Swiss Franc, Japanese Yen, Singapore Dollar, and Hong Kong Dollar, catering to users with cross-border payment needs.

"We want our users to avoid constantly switching between the crypto world and traditional finance, and instead enjoy a truly integrated asset account," stated Jerry Hsu, CEO of Zoomex, in the announcement.

The card is designed for broad usability, supporting mainstream mobile payment methods like Apple Pay, Google Pay, and Samsung Pay. This integration allows for use across a vast network of online and offline merchants that accept standard contactless or card payments, effectively turning a user's USDC balance into a ready source of spendable funds. The system also permits users to transfer funds back to the Zoomex platform if they wish to resume crypto trading.

Entering a Crowded and Competitive Arena

Zoomex is not the first to venture into this space. The crypto card market is a dynamic and crowded field, with major exchanges like Coinbase, Binance, and Crypto.com offering their own established solutions. These competitors have already attracted millions of users by offering features like tiered cashback rewards, support for a wide range of cryptocurrencies, and perks like subscription rebates.

For instance, the Coinbase Card offers rotating crypto rewards, while the Binance Card provides cashback in its native BNB token, tiered according to a user's holdings. Crypto.com's card is known for its metal design and benefits linked to staking its CRO token.

To carve out a niche, the Zoomex Card appears to be banking on a few key differentiators. Its primary focus on USDC as the funding asset simplifies the process by using a stable, dollar-pegged coin, which mitigates the price volatility and complex tax calculations associated with spending cryptocurrencies like Bitcoin or Ethereum. Furthermore, its offering of a genuine multi-currency fiat account, rather than just a crypto wallet with a conversion layer, could appeal to international users and frequent travelers.

The timing of the launch coincides with surging market demand. Recent industry reports project the crypto payment market to grow exponentially, with some estimates suggesting a market value exceeding $6 billion by 2032. This growth is fueled by increasing user demand for practical crypto applications and a broader merchant acceptance of digital asset payments.

The Cornerstone of Compliance and Security

In a market often plagued by security concerns and regulatory uncertainty, Zoomex and its partner UR are heavily emphasizing a framework of compliance and safety. The partnership places all user funds under the custody of UR, which is a registered trademark under the Swiss financial institution SR Saphirstein AG.

This connection to a Swiss-regulated entity is significant, as it subjects the card's financial infrastructure to the stringent oversight and high standards of the Swiss Financial Market Supervisory Authority (FINMA).

"As a fully licensed and regulated financial platform, UR has long been focused on delivering secure, compliant, and scalable financial infrastructure for users worldwide," commented UR's Chief Product Officer, Ng Yingzhong. "Through Zoomex Card, we aim to bring digital assets into everyday spending and cross-border use, while maintaining strict compliance and bank-grade security."

This focus on a regulated foundation complements Zoomex's existing compliance posture. The exchange holds several regulatory licenses, including Money Services Business (MSB) registrations in the U.S. and Canada, and has undergone security audits from blockchain security firm Hacken. By building its payment product on a foundation of "bank-grade security," Zoomex is making a clear bid to win the trust of users who may be wary of the risks associated with less-regulated crypto products.

Incentivizing Adoption and Overcoming Hurdles

To gain early traction, Zoomex has launched an early registration campaign with a suite of incentives. These include a limited-time free upgrade to a "Pro" account, 1% cashback on spending, a "spend $5, get $10 back" reward for new users, and waived card issuance fees. This strategy is common in the fintech space, designed to build an initial user base and generate momentum ahead of the official launch.

The card is slated for a full rollout in early 2026. Until then, its success will depend on delivering a frictionless user experience. Potential hurdles, common to all crypto cards, will need to be addressed. These include the ease of funding the UR account with USDC, the transparency of any conversion or network fees, and the clarity around transaction limits. The geographic availability of the card will also be a critical factor in its global adoption.

By integrating with familiar payment systems like Apple Pay and Google Pay, Zoomex is lowering the barrier to entry for less tech-savvy users. However, the broader challenge of educating users on the tax implications of spending crypto—which can be a taxable event in many countries—remains an industry-wide issue. How Zoomex and its competitors address these practical considerations will likely play a significant role in the long-term adoption of crypto as a mainstream payment method. The industry will be watching closely to see if this new entrant can successfully blend the innovation of crypto with the reliability of traditional finance.