X @s4mmy

Neo Banks and Crypto Integration - Ripple is referred to as a Neo Bank with a market cap of $183 billion, 117x the XPL market cap ($16 billion)[1] - VISA and Mastercard are increasingly integrating into crypto payments [4] Crypto Financial Products and Rewards - Plasma One (VISA) offers yields up to 10% and cashback up to 4% on stablecoin spending [1] - useTria (VISA) provides 6% kickback on purchases and lounge access, with a basic virtual card costing $20 and a physical metal card with 6% rewards costing $220 [2] - EtherFi (VISA) offers 3-5% cashback on all purchases plus ETHFI rewards, with $45 million distributed last quarter and a cumulative spend volume of about $60 million [3] - Revolutapp (Mastercard) offers up to 1% cashback rewards and points program, with optimal offramp and no trading fees for higher tiers, plus benefits like NordVPN, Uber One, WeWork, travel insurance, and airport lounge passes [3] - gnosispay (VISA) has processed over $100 million in payment volume, offering 4% cashback (5% if validator) [3] - Coinbase (VISA) offers up to 4% in crypto cashback rewards, currently only in the US [3] - MetaMask Virtual Card (Mastercard) offers 1% cashback plus LINEA rewards [3] - CryptoCom (VISA) offers up to 5% cashback, tiered rewards based on CRO staking, and access to Spotify, Netflix, F1, and UFC events [3] Future Trends - AI integration through agents, especially with physical AI/robots paying for their own needs, is a significant development [5] - Bitrefill offers vouchers by sending crypto to an address, capped at $1,000 per month before requiring email registration [4]