Crypto isn’t just for trading or long-term holding anymore — it’s becoming a practical part of everyday life. With the CL Card powered by Ledger, you can now spend your digital assets like never before, turning crypto into real-world purchasing power across 90 million merchants worldwide.
Securely manage your funds through the Ledger Live app, fund your card directly from your Ledger hardware wallet, and enjoy benefits like cashback in crypto, crypto-backed credit lines, and instant fiat conversion at point of sale.
Whether you're buying groceries, booking travel, or shopping online, the CL Card bridges the gap between decentralized finance and daily spending — all while keeping security at the forefront.
👉 Discover how to turn your crypto into spendable currency today.
Spend Crypto Anywhere, Anytime
The CL Card is designed for the modern crypto user who wants flexibility and utility. Instead of converting your crypto manually before every purchase, this card handles everything behind the scenes.
When you make a transaction:
- Your chosen cryptocurrency (like BTC or USDT) is instantly converted to fiat.
- The payment goes through standard card networks, accepted globally.
- You earn 1% cashback in BTC or USDT, or 2% in BXX — with more crypto rewards coming soon.
No more juggling exchanges or waiting for transfers. Just seamless, secure spending powered by your digital assets.
How It Works: Simple, Secure, Seamless
Managing your CL Card is easy when integrated with your Ledger ecosystem. Here’s how to get started:
Step 1: Get a Ledger Wallet & Install Ledger Live
Ensure your crypto is stored securely in a Ledger hardware wallet, then download the Ledger Live app to manage your portfolio.
Step 2: Access the Card Section in Ledger Live
Navigate to the Cards tab, select your country, and choose the CL Card option.
Step 3: Fund Your CL Card with Crypto
Transfer crypto securely from your Ledger wallet to your CL Card account. This action moves funds out of self-custody but keeps them protected under regulated financial institutions.
Step 4: Start Spending
Use your physical or virtual CL Card anywhere Mastercard is accepted — online, in-store, or via Apple Pay.
👉 Learn how to start using crypto for everyday purchases.
Spend Crypto or Use It as Collateral
One of the most powerful features of the CL Card is the ability to spend without selling your holdings. Through two innovative financial tools — Cryptodraft and Stableloan — you can access credit lines backed by your crypto.
🔹 Cryptodraft
Get immediate access to stablecoin credit using your existing crypto as collateral. No need to liquidate assets during volatile markets. Use these funds directly on your card for daily expenses.
🔹 Stableloans
Quickly set up a line of credit denominated in stablecoins. Enjoy low interest rates starting from 0%, depending on region and eligibility.
These features are ideal for users who believe in long-term hodling but still want short-term liquidity.
Your crypto remains untouched while providing financial flexibility — that’s the future of decentralized finance made practical.
Earn Crypto Cashback on Every Purchase
Why just spend when you can also earn?
Every time you use your CL Card:
- You earn 1% cashback in BTC or USDT
- Or opt for 2% in BXX tokens
- Rewards are calculated monthly and distributed automatically
To activate rewards:
- Log into your account.
- Choose your preferred reward currency.
- Start earning with every swipe or tap.
This turns routine spending into passive accumulation — helping you grow your crypto portfolio simply by living your life.
Security You Can Trust
While the CL Card offers convenience, it doesn’t compromise on security.
- Fully compatible with Ledger hardware wallets
- All asset transfers managed through the Ledger Live app
- Private keys remain under your control when funds are in your Ledger device
Once transferred to the CL Card account, funds are held by regulated entities:
- UAB Monavate (EU), licensed in Lithuania
- Monavate Ltd (UK), FCA-regulated
- Baanx Group Ltd (UK/US/EU) issues the card
Although funds on the CL Card are no longer under self-custody, they’re protected under strong regulatory frameworks — offering peace of mind without sacrificing usability.
Frequently Asked Questions (FAQ)
Do I need a Ledger wallet to use the CL Card?
No, it’s not required. However, using a Ledger wallet enhances security and enables seamless transfers between your self-custodied assets and the CL Card via Ledger Live.
Can I spend crypto without pre-funding the card?
Not directly. You must first fund your CL Card with crypto from your Ledger Live wallet. Alternatively, use Cryptodraft or Stableloan to open a credit line backed by your crypto holdings.
How does crypto-to-fiat conversion work?
Conversion happens instantly at the time of purchase. You choose which cryptocurrency to spend, and the system automatically converts it to local fiat currency at market rate.
Where is the CL Card available?
Currently available in the UK and EEA countries. The United States launch is scheduled for July 2025.
Can I add my CL Card to Apple Pay?
Yes! Adding your CL Card to Apple Pay is quick and simple, allowing for contactless payments using your iPhone or Apple Watch.
How is my cashback calculated?
Cashback is based on your total monthly transaction volume:
- 1% in BTC or USDT
- 2% in BXX
Rewards are distributed at the end of each month after settlement.
Designed for Ledger Users, Backed by Financial Innovation
The CL Card isn’t just another crypto debit card — it’s built specifically for users who value security, control, and utility. Partnered with Baanx, a fintech leader in blockchain-powered financial services, and integrated deeply with the Ledger ecosystem, this card delivers a premium experience tailored to serious crypto holders.
It combines:
- Hardware-grade asset protection
- Real-world spending functionality
- DeFi-inspired credit solutions
- Ongoing rewards in digital assets
Whether you’re traveling abroad, shopping online, or just grabbing coffee, the CL Card makes spending crypto feel natural — without compromising on safety or long-term strategy.
👉 See how easy it is to spend crypto like regular money.
Final Thoughts: The Future of Spending Is Here
The line between crypto and traditional finance is blurring — and tools like the CL Card powered by Ledger are leading that shift. By enabling instant conversions, offering crypto-backed credit, and rewarding everyday spending with digital assets, this card transforms how we interact with our portfolios.
You no longer have to choose between holding strong and living freely. With secure integration into Ledger Live, regulatory compliance, and global merchant access, the CL Card empowers you to take full advantage of what crypto was meant to be: your money, your life.
Core Keywords: CL Card, Ledger wallet, spend crypto, crypto debit card, crypto cashback, crypto collateral, Ledger Live, Baanx