Ready.co - Bridging Crypto to Everyday Commerce with Prepaid Cards

Ready.co simplifies cryptocurrency spending by offering prepaid card solutions that seamlessly convert your digital assets into spendable fiat currency. Connect your wallet, load your card, and spend your crypto anywhere traditional cards are accepted.

Experience the convenience of crypto spending with Ready.co's innovative payment infrastructure that enables instant conversion and global acceptance. Turn your cryptocurrency portfolio into practical spending power without the complexity of traditional exchanges.

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  • Bitcoin
  • Ethereum
  • USD Coin
  • Tether
  • Solana
Zero FX fees 💳 3% cashback 💰 Full self-custody 🔐 Available worldwide 🌍
Review
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Ready.co Review – Transform Your Crypto into Everyday Spending Power

Ready.co Review

Ready is a self-custodial crypto neobank alternative. Their mobile app lets you buy Bitcoin and stablecoins easily, earn yield, and spend stablecoins with the Ready Card. It bridges the gap between crypto investing and everyday spending.

Ready is the easiest way to earn yield on Bitcoin. You can stake Bitcoin natively or through liquid staking, earning staking rewards directly in the app. You can borrow USDC against your Bitcoin at low variable interest rates (~0.08%) while your Bitcoin collateral continues to earn yield (~2.5%). The borrowed USDC can be spent instantly with the Ready Card, unlocking liquidity without selling a single satoshi. You can also lend Bitcoin to earn passive income. All three features are fully self‑custodial and integrated into Ready.

The Ready Card lets you spend USDC anywhere Mastercard is accepted. All cards are fully self-custodial and come with 0% FX fees, so you always get the best rate when spending USDC abroad or online.

There are two tiers of Ready Cards: Metal and Lite. Metal is the premium version – it offers 3% cashback and perks like cashback boosts, free bridging, and a beautifully designed physical card. Lite is free, but still includes essential features.

Ready makes self-custody simple. They’ve been building wallets since 2017 and pioneered features like no seed phrase, social recovery, and subsidising user gas fees. Security features include fraud protection and 2FA, and they’ve never lost customer funds. Their open-source smart contracts are regularly audited and have held over $1B in total value locked. Even Binance, OKX, and Kraken use them for Starknet deposits and withdrawals.

Ready is the next evolution of neobanks. It combines investing, spending, and self-custody in one app. If you’re looking to earn yield on Bitcoin or spend your crypto without fees, Ready is exactly what you need.

Perks

  • Earn yield on Bitcoin via staking and lending 
  • Borrow USDC against Bitcoin and spend with Ready Card
  • 3% cashback with the Ready Metal card
  • 0% FX fees worldwide when spending
  • Fully self-custodial
  • Available worldwide
  • User friendly interface with advanced security features
Supported cryptocurrencies

Bitcoin, Ethereum, USDC, USDT, and major cryptocurrencies

Year launched

2023

Card types

Prepaid Cards with global acceptance

Coverage

Available globally with merchant acceptance worldwide

Welcome bonus

Zero FX fees 💳 3% cashback 💰 Full self-custody 🔐 Available worldwide 🌍

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What Is Ready.co?

Ready.co is a cryptocurrency payment platform that provides prepaid card solutions for converting and spending digital assets in everyday commerce. The platform bridges the gap between crypto holdings and traditional spending by offering prepaid cards that can be funded with various cryptocurrencies and used at millions of merchants globally.

Key points about Ready.co:

Seamless Conversion: Convert crypto to spendable fiat instantly through an intuitive platform interface

Global Acceptance: Spend at millions of merchants worldwide with universally accepted prepaid cards

Multi-Currency Support: Fund cards with Bitcoin, Ethereum, stablecoins, and other major cryptocurrencies

User-Friendly: Simple onboarding and card management process designed for both crypto natives and newcomers

By simplifying the crypto-to-fiat conversion process, Ready.co makes cryptocurrency practical for everyday spending needs.

How Does Ready.co Work?

Using Ready.co is designed to be straightforward and accessible. Here's how the platform operates:

  1. Sign Up: Create your Ready.co account through a simple registration process

  2. Connect Wallet: Link your cryptocurrency wallet or deposit crypto directly to the platform

  3. Convert Assets: Choose which cryptocurrencies to convert into spendable funds

  4. Load Card: Fund your prepaid card with the converted amount

  5. Start Spending: Use your card anywhere traditional payment cards are accepted

This streamlined process enables crypto holders to access their digital wealth for practical spending purposes.

Key Considerations for Crypto Prepaid Cards

When evaluating crypto prepaid card platforms, consider these important factors:

Supported Assets

Look for platforms that support a wide range of cryptocurrencies and stablecoins to maximize flexibility in funding options.

Conversion Rates

Transparent and competitive conversion rates ensure you get the best value when converting crypto to fiat.

Global Acceptance

Choose platforms offering cards with wide merchant acceptance for maximum spending flexibility.

Security Features

Robust security measures protect both your crypto assets and card transactions from unauthorized access.

Fee Structure

Understanding the fee structure, including conversion fees and card maintenance costs, helps manage spending efficiently.

Benefits of Using Ready.co

Ready.co offers several advantages for crypto holders looking to spend their digital assets:

Instant Liquidity

Ready.co provides immediate access to your crypto value through instant conversion and card funding capabilities.

Widespread Acceptance

Cards work at millions of merchants globally, providing universal spending power for your cryptocurrency.

Simple Management

User-friendly interface makes it easy to manage cards, track spending, and monitor conversions.

Flexible Funding

Support for multiple cryptocurrencies provides flexibility in choosing which assets to convert and spend.

Pros and Cons of Ready.co

Like any payment platform, Ready.co has its advantages and considerations:

Pros

Easy conversion - Seamless crypto to fiat conversion process

Global reach - Accepted at merchants worldwide

Multi-currency - Supports various cryptocurrencies and stablecoins

User-friendly - Intuitive interface for all experience levels

Instant access - Quick card issuance and funding

Cons

Conversion fees - Fees apply for crypto to fiat conversion

Market volatility - Crypto price fluctuations affect spending power

Regulatory compliance - May require verification depending on jurisdiction

FAQ: Ready.co in 2025

What cryptocurrencies does Ready.co support?

Ready.co supports major cryptocurrencies including Bitcoin, Ethereum, and popular stablecoins like USDC and USDT, with ongoing additions to supported assets.

How quickly can I get a Ready.co card?

Card issuance times vary but the platform is designed for quick deployment, allowing users to start spending shortly after account setup and funding.

Where can I use Ready.co cards?

Ready.co prepaid cards are accepted at millions of merchants worldwide, anywhere traditional prepaid cards work, including online and in-store purchases.

Are there fees for using Ready.co?

Ready.co charges fees for crypto to fiat conversion and may have card maintenance fees. Check the current fee schedule on their platform for detailed pricing.

Is Ready.co available in my country?

Ready.co aims for global coverage but availability may vary by jurisdiction. Check their website for current geographic availability.

How secure is Ready.co?

Ready.co implements industry-standard security measures to protect user accounts, crypto assets, and card transactions from unauthorized access.

About the Author

Byron Chad
Byron Chad

A seasoned innovator in the gaming and tech world, with nearly two decades of hands-on experience bridging the gap between emerging technologies and interactive entertainment. Since 2006, he has been at the forefront of industry evolution - from early online gaming ecosystems to today's cutting-edge game development tools, streaming platforms, and Web3 integrations.

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