The use of digital dollars, also known as stablecoins, has become increasingly common in Latin America. They are digital assets linked to the value of the US dollar, allowing for a stable reference without the need to operate with physical dollars or bank accounts abroad.
In this context, tools like prepaid cards linked to cryptocurrencies are opening new possibilities for those who wish to use their digital funds in everyday life. In this article, we explain how this type of solution works based on the example of the Binance Card in Mexico.
What are digital dollars and what are they for?
Digital dollars are tokens created on blockchain networks that maintain a 1:1 parity with the US dollar. Among the most used are:
USDT (Tether)
USDC (USD Coin)
FDUSD (First Digital USD)
These assets can be purchased on exchange platforms like Binance, and offer a way to preserve value or make payments without the typical volatility of other cryptocurrencies like Bitcoin or Ethereum.
In countries like Mexico, Colombia, or Argentina, its use has spread among people looking to protect their purchasing power, make international purchases, or simply have greater financial autonomy.
How can a card be used to pay with digital dollars?
One of the most practical ways to use these assets in the real world is through prepaid cards linked to cryptocurrency platforms. In the case of the Binance Card Mexico, the user can:
Buy digital dollars (USDT, USDC, FDUSD) with Mexican pesos directly from the platform
Link these funds to the virtual prepaid card
Make payments at merchants that accept Mastercard, both online and in person
The card performs an automatic conversion at the time of payment: digital dollars are converted into fiat currency (for example, USD) to complete the transaction.
This process allows the use of digital assets without the need to sell them beforehand or withdraw them to a bank account.
100% digital access, without bureaucracy
The process to start using digital dollars as a payment method is completely online. From an account on Binance, for example, it is possible:
Deposit funds in Mexican pesos
Acquire a stablecoin
Enable a virtual card and start paying at physical or digital merchants
It is also possible to integrate the card into services like Google Pay or Apple Pay, allowing payments with mobile devices, without the need to carry a physical card.
Commission-free conversion and international use
A relevant point is that, in the conversion from Mexican pesos to digital dollars, Binance does not charge a currency exchange fee (0%). This policy can facilitate access to stablecoins without additional costs in the initial operation.
Once acquired, digital funds can be used to pay at over 70 million merchants worldwide, as long as they accept Mastercard as a payment method. This includes physical stores, e-commerce platforms, apps, digital services, and more.
Rewards and expense control
Although the main goal is to facilitate the use of crypto assets in everyday life, it is worth mentioning that some cards, like Binance's, offer additional benefits. In this case, there is a rewards system in the form of cashback, which returns up to 2% of the value of purchases, with a monthly limit of 20 USD.
Additionally, the user can manage their limits, monitor expenses, and receive security alerts directly from the app, with configurable controls and two-factor authentication (2FA).
A new way to bring your crypto assets into daily life in Mexico
The use of digital dollars with prepaid cards represents a concrete evolution in how we interact with digital money. By allowing Mexican users to buy, manage, and use stablecoins for real payments, this technology brings the crypto ecosystem closer to everyday life in an accessible and efficient manner.
The case of the Binance Card shows how it is possible to connect the world of cryptocurrencies with everyday situations like paying in a store, subscribing to a service, or traveling abroad. All from the mobile phone, in minutes, and without the need for traditional bank accounts.
For those seeking flexibility, autonomy, and new ways to use their money, digital dollars can be a practical, educational gateway with a real impact on financial life.
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