When transacting, designated digital assets automatically liquidate into fiat at real-time rates, which then get settled to the merchant via traditional debit/credit card payment rails. Behind the scenes, smart contracts facilitate systematic exchange between crypto collateral and fiat cash reserves held by issuing companies like Coinbase. This infrastructure unlocks global spending capacity for crypto holders minus volatility risks during payments. For consumers, the experience just amounts to managing personal crypto balance sheets through familiar debit card mechanisms to unlock spending power, travel perks, insurance, investment returns from linked DeFi apps, etc. Rewards often exceed conventional card schemes to promote engagement....