Metal DAO (MTL) is a crypto token that powers Metal Pay and Metal L2, offering real fee discounts and stablecoin governance. Unlike most tokens, it's built for compliance and everyday use-not just speculation.
Metal Pay: What It Is, How It Works, and Why It Matters in Crypto Payments
When you think of Metal Pay, a mobile app that combines cryptocurrency payments with rewards and debit card functionality. Also known as Metal Coin, it’s not just another wallet—it’s a payment system built to make crypto usable in everyday life. Unlike most crypto apps that only let you hold or trade, Metal Pay lets you actually spend Bitcoin, Ethereum, and its own token, METAL, at real merchants. It’s one of the few platforms that tries to bridge the gap between crypto and cash.
What makes Metal Pay different? It rewards users just for using it. Send money to a friend? Get METAL tokens. Use the Metal Pay debit card? Earn cashback in crypto. It’s not a gimmick—it’s a built-in incentive system designed to get people to move away from traditional banks. The app also lets you buy gift cards, pay bills, and even earn interest on holdings. But here’s the catch: it only works if people actually use it. And that’s where things get messy. While Metal Pay launched with big promises and a strong team, adoption has been slow. Many users joined during the 2021 crypto boom, but after prices dropped, activity fell off. Still, the infrastructure is there—wallets, cards, merchant integrations—and if crypto payments ever go mainstream, Metal Pay could be one of the few apps ready.
Related to Metal Pay are other crypto payment tools like Crypto debit cards, physical or virtual cards that convert crypto to fiat at point of sale, and platforms like Strike, a Bitcoin-based payment app focused on remittances and instant transfers. But Metal Pay stands out because it doesn’t just enable payments—it builds a loop: spend, earn, spend again. The METAL token isn’t just a reward—it’s the engine. And while many projects have tried and failed to make crypto a daily currency, Metal Pay still has the pieces in place. You’ll find posts here that dig into its tokenomics, how its rewards system really works, why some users cashed out early, and whether the app still has legs in 2025. If you’ve ever wondered if crypto can actually replace your bank account, Metal Pay is one of the few places still trying to prove it.
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