Celo blockchain has launched the MiniPay Card, a payment product that offers users up to 5% cashback in gold on eligible stablecoin transactions across Visa’s global merchant network. The program is designed to connect digital assets with everyday payments while providing rewards that are positioned above the standard cashback rates commonly offered by conventional card programs.
The MiniPay Card can be used at more than 175 million merchants participating in the Visa network, giving users access to a broad range of retail and payment locations. The launch represents another effort to make stablecoins more practical for routine purchases by allowing users to spend digital assets through an established card payment infrastructure.
The MiniPay Card’s main differentiator is its 5% gold cashback on eligible stablecoin purchases, a reward rate that exceeds the typical 1% to 2% cashback offered by many standard card programs.
Stablecoins move closer to everyday payments
Stablecoins are digital assets designed to maintain a relatively stable value, typically by being linked to traditional currencies or other assets. Their use in payments has expanded as blockchain companies seek ways to make digital currencies more useful for purchases, transfers and other financial activities.
The MiniPay Card is intended to simplify that process by allowing eligible stablecoin balances to be used for transactions at merchants that accept Visa. Instead of requiring users to rely solely on specialized cryptocurrency merchants or blockchain-native applications, the card connects stablecoin spending with an established global payment network.
The 5% cashback structure is delivered in the form of gold, providing an alternative to reward systems that distribute traditional points, cash or digital tokens. The approach could appeal to users looking for an asset-linked incentive while spending stablecoins on regular purchases.
Broad merchant access strengthens the offering
Visa’s extensive merchant network is a key component of the MiniPay Card’s proposition. With access to more than 175 million merchants, the card is positioned to provide users with considerably broader spending opportunities than payment products restricted to blockchain-based businesses or selected digital-asset merchants.
By combining stablecoin payments with Visa’s existing merchant infrastructure, the MiniPay Card seeks to reduce the gap between blockchain-based funds and conventional consumer payments.
Most everyday card spending earns about 1-2% back@MiniPay Card gives you 5% gold cashback on all eligible stablecoin transactions at @Visa's network of 175M+ merchants
Real-world stablecoin spending with real rewards is here, only on Celo https://t.co/m6ci4GSfsj
— Celo (@Celo) August 7, 2026
The initiative also reflects a broader trend in the digital-asset industry toward integrating cryptocurrencies and stablecoins into familiar financial products. Card-based payment systems can allow users to spend blockchain-based assets without requiring merchants to directly adopt or manage cryptocurrency infrastructure.
For consumers, the availability of rewards could provide an additional incentive to use stablecoins for everyday transactions. However, the value and applicability of the 5% reward will depend on the transactions that qualify under the program’s eligibility conditions and the mechanics governing the gold cashback.
Celo expands its consumer payment strategy
The MiniPay Card adds a payment-focused component to Celo’s broader blockchain ecosystem. By supporting stablecoin spending through a widely established card network, the initiative aims to make blockchain-based payments more accessible to users who may not regularly interact with decentralized applications or cryptocurrency exchanges.
The launch also highlights the increasing competition among digital-asset payment providers to offer practical benefits beyond simply holding or transferring cryptocurrencies. Higher rewards, familiar payment channels and broader merchant acceptance are becoming important elements in efforts to encourage mainstream adoption.
The combination of stablecoin spending, gold-based rewards and access to more than 175 million Visa merchants gives the MiniPay Card a potentially wider consumer use case than payment products limited to crypto-native ecosystems.
As stablecoins continue to develop as a payment technology, partnerships and integrations with established card networks could play an important role in expanding their everyday utility. MiniPay’s new card offering illustrates how blockchain companies are attempting to bring digital assets into conventional commerce while using rewards to encourage consumer adoption.
