{"/news-insights/what-is-defi":{"version":1,"title":"What is DeFi? — Metal Pay - Crypto, The Right Way.","description":"DeFi is short for the term “decentralized finance” and it refers to financial products that are not governed by one centralized organization like a bank.","keywords":"","h1":["What is DeFi?"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 30, 2023","DeFi is short for the term “decentralized finance” and it refers to financial products that are not governed by one centralized organization like a bank. Data and transactions in the DeFi economy are held on multiple ledger databases (or blockchains) vs being held at one institution. DeFi products allow individuals to interact directly with each other via smart contracts on chain to meet financial needs. The goal is to reduce fees, delays, and barriers to entry associated with centralized traditional finance. DeFi customers also consistently maintain full control over their funds and do not rely on a central authority for custody. Examples of DeFi can be peer-to-peer lending and borrowing, trading on decentralized exchanges, nft marketplaces, and more.","Metallicus offers many products and services that allow our customers to engage in decentralized finance and maintain control of their own funds. You can learn more about those in the following Discover articles.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/what-is-defi"},"/news-insights/webauth-wallet":{"version":1,"title":"Webauth Wallet — Metal Pay - Crypto, The Right Way.","description":"WebAuth wallet takes advantage of WebAuthn authentication standard that allows users to log in using biometric authentication such as a fingerprint or facial recognition.","keywords":"","h1":["Webauth Wallet"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 30, 2023","The WebAuth Wallet is a non-custodial wallet built by Metallicus. It is unique in a few important ways. Firstly WebAuth wallet takes advantage of WebAuthn authentication standard that allows users to log in using biometric authentication such as a fingerprint or facial recognition. This eliminates the need for a password login and ensures that your private keys are only accessible to you.","Using WebAuth to sign transactions with faceid or fingerprint is very easy, convenient, and safe. Another advantage of WebAuth is that it stores assets on the XPR Network where you are able to choose a human-readable address for your wallet for ex: @satoshi instead of 0xkebfasc34komnsid983o.","Transactions on the XPR Network also incur ZERO gas fees. That means you can move Ethereum, Bitcoin, Doge, and others without paying transaction fees. WebAuth wallet also allows you to store and view NFTs purchased via XPR Network markets. Coming soon is an NFT bridge where you’ll be able to move your Ethereum based NFT without incurring gas fees.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/webauth-wallet"},"/news-insights/how-to-lend-on-metal-x":{"version":1,"title":"How to lend on Metal X — Metal Pay - Crypto, The Right Way.","description":"Put your funds to work by lending to earn APR. Head over to MetalX.com","keywords":"","h1":["How to lend on Metal X"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 30, 2023","Put your funds to work by lending to earn APR. Head over to MetalX.com","In DeFi lending, borrowers can obtain loans by depositing digital assets like Ethereum or Bitcoin as collateral. Lenders provide these loans by depositing their own digital assets into the lending pool. The interest rate on the loan is determined by supply and demand on the lending platform, with the interest paid by the borrower going directly to the lender.","Link to Tutorials","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/how-to-lend-on-metal-x"},"/news-insights/what-is-a-non-custodial-wallet":{"version":1,"title":"What is a non-custodial wallet? — Metal Pay - Crypto, The Right Way.","description":"A custodial wallet is similar to a bank where another party takes custody of your assets and allows you to access them with id verification (username/password).","keywords":"","h1":["What is a non-custodial wallet?"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 30, 2023","Metal Pay is a custodial wallet. A custodial wallet is similar to a bank where another party takes custody of your assets and allows you to access them with id verification (username/password). With Metal Pay, any crypto you purchase is securely custodied by Metallicus and registered to each user on a ledger. If you forget your password or lose all access to your account, Metallicus can assist you to regain access to your funds.","Other wallets like WebAuth are non-custodial wallets. With a non-custodial wallet, the individual is responsible for the custody of their own assets which means they must store their private key and/or seed phrase in a safe and private location. If you lose your keys you lose access to your cryptocurrency. However, you also have full control of your assets and can hold or transfer them at any time you wish without the need for an intermediary.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/what-is-a-non-custodial-wallet"},"/news-insights/automatic-buys":{"version":1,"title":"Introducing Automatic Buys — Metal Pay - Crypto, The Right Way.","description":"One of the tried and tested methods to build your crypto portfolio is through Automatic Buys, a feature now available on Metal Pay.","keywords":"","h1":["Introducing Automatic Buys"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 24, 2023","In the dynamic world of cryptocurrency, having a strategy to grow your assets is crucial. One of the tried and tested methods to build your crypto portfolio is through Automatic Buys, a feature now available on Metal Pay.","Automatic Buys, or Dollar-Cost Averaging (DCA), is a strategy where you commit a fixed amount of money to buy a particular cryptocurrency on a regular schedule, regardless of the asset's price. This method allows you to accumulate assets over time while mitigating the impact of market volatility. By spreading out your purchases, you reduce the risks associated with making a single, large investment at an inopportune time.","Metal Pay has streamlined this process with its intuitive Automatic Buys feature. Starting from just $15, you can set up daily, weekly, or monthly purchases for your chosen asset. This hassle-free setup allows you to grow your cryptocurrency holdings effortlessly and take advantage of the potential long-term growth of digital assets.","The setup process is straightforward, and we've got a detailed guide to walk you through it. With just a few taps, you can configure Automatic Buys and let Metal Pay handle the rest. The feature is designed to make asset accumulation accessible and straightforward, whether you are a seasoned investor or new to the crypto space.","Moreover, by choosing Metal Pay for your Automatic Buys, you're not only simplifying your investment strategy but also engaging with a platform powered by Metal X, ensuring decentralized and secure transactions.","The Automatic Buys feature reflects Metal Pay's ongoing commitment to providing user-friendly, secure, and innovative solutions in the crypto sphere. By leveraging this feature, you can steadily work towards your financial goals, irrespective of the market's ups and downs.","Discover the ease of setting up Automatic Buys on Metal Pay and take a step towards a more structured and potentially rewarding investment journey. Explore the feature and, if you need a hand with the setup, our guide is here to help.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/automatic-buys"},"/news-insights/what-is-xpr-network":{"version":1,"title":"What is XPR Network? — Metal Pay - Crypto, The Right Way.","description":"XPR Network is a blockchain platform that aims to provide secure and fast transaction processing, as well as scalability and low fees.","keywords":"","h1":["What is XPR Network?"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 30, 2023","XPR Network is a blockchain platform that aims to provide secure and fast transaction processing, as well as scalability and low fees. It utilizes a proof-of-stake consensus algorithm and can support various applications, including decentralized finance (DeFi) and gaming.","Compared to Bitcoin, XPR Network has several differences:","Consensus Algorithm: XPR Network uses proof-of-stake, while Bitcoin uses proof-of-work. This means that XPR Network requires less energy to secure its network, making it more environmentally friendly.","Scalability: XPR Network is designed to handle a higher number of transactions per second compared to Bitcoin.","Fees: XPR Network aims to keep transaction fees low, making it a more cost-effective option for users.","Use Cases: While Bitcoin is primarily used as a store of value and a medium of exchange, XPR Network aims to support a wider range of use cases beyond cryptocurrency, including DeFi and gaming.","Overall, XPR Network is a newer blockchain platform that aims to improve upon some of the limitations of Bitcoin and provide a more versatile and efficient solution for various applications.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/what-is-xpr-network"},"/news-insights/powered-by-metal-x":{"version":1,"title":"Metal X - The Metal Pay Engine — Metal Pay - Crypto, The Right Way.","description":"When you buy on Metal Pay, the trades are executed on Metal X, a decentralized platform, meaning there's no middleman involved.","keywords":"","h1":["Metal X - The Metal Pay Engine"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 1, 2023","Metal Pay makes buying, selling, and sending digital assets or cryptocurrencies easy for everyone. Recently, many people have faced problems with centralized exchanges, which are like middlemen in trades. These problems include lack of transparency and security issues. Metal Pay does things differently. When you buy on Metal Pay, the trades are executed on Metal X, a decentralized platform, meaning there's no middleman involved.","One big advantage of using a decentralized exchange like Metal X is that it helps to avoid a common issue called miner-extracted value (MEV). This is where some people can take advantage of their position to manipulate trades. Metal X helps to prevent this, making trading fairer and more transparent. Also, decentralized exchanges provide better control over your assets and reduce the risk of hacks since there's no central server holding all the assets.","As users get comfortable with Metal Pay, they can start exploring Metal X for more advanced trading. Metal X is open to everyone and offers a way to delve into decentralized finance (DeFi) applications. It has features like lending, borrowing, yield farming, and liquidity pools, which are ways to earn more from your digital assets.","Moving into the advanced trading world is easy with Metal Pay, which acts as a gateway to Metal X. Users can transfer digital assets into the WebAuth Wallet, a self-custody wallet, which means you have complete control over your assets. This setup then allows users to make use of all the great features of Metal X.","Whether you're just starting your cryptocurrency journey or looking to explore more advanced ways of using digital currencies, the combination of Metal Pay and Metal X provides a good platform. From simple buying, selling, and sending on Metal Pay to exploring wider financial opportunities on Metal X, users have a range of tools and features to help them make the most of their digital assets. This setup, bringing together Metal Pay and Metal X, caters to both newcomers and experienced crypto users, making managing and growing digital assets straightforward and accessible.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/powered-by-metal-x"},"/news-insights/how-do-i-send-tokens-to-my-webauth-wallet":{"version":1,"title":"How do I send tokens to my Webauth Wallet? — Metal Pay - Crypto, The Right Way.","description":"Using Metal Pay and the XPR Network allows you to send tokens to your WebAuth wallet with zero gas fees.","keywords":"","h1":["How do I send tokens to my Webauth Wallet?"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 30, 2023","Using Metal Pay and the XPR Network allows you to send tokens to your WebAuth wallet with zero gas fees. Once your tokens are in your wallet you can begin to use and enjoy other Metallicus products, such as lending, dex trading or buying NFTs!","Tokens sent from Metal Pay to WebAuth are wrapped on the chain to allow them to be transferred without gas fees. Your wrapped tokens are known as X-tokens as you will see in your wallet. As long as you stay within the XPR Network ecosystem you can enjoy free (gasless) transactions but you can also unwrap and move your X-tokens to another chain. (If you like paying gas fees)","Link to video tutorial","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/how-do-i-send-tokens-to-my-webauth-wallet"},"/news-insights/dollar-cost-averaging":{"version":1,"title":"What is Dollar Cost Averaging? — Metal Pay - Crypto, The Right Way.","description":"It's a simple \"set it and forget it\" tool, aimed at growing your portfolio and wealth with minimal hassle.","keywords":"","h1":["What is Dollar Cost Averaging?"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 1, 2023","Stepping into the investment realm can often feel like navigating through a storm, with market values rising and falling unpredictably. However, there's a savvy, strategic investment technique that could be your anchor amidst this turbulence - Dollar Cost Averaging (DCA). It's a simple \"set it and forget it\" tool, aimed at growing your portfolio and wealth with minimal hassle.","Let's dive into a real-world scenario.","Suppose you decided to invest $1,000 in Bitcoin on June 20, 2023. Your investment would have netted you approximately 0.0356 BTC. However, had you chosen to purchase $100 worth of Bitcoin every month for the past 10 months, you would now be holding roughly 0.0456 BTC, with the total value of your investment standing at a more appealing $1,280.51!","Here's a brief breakdown of how this strategy would have played out:","On September 19, 2022, with Bitcoin priced at $19,570.39, your $100 would have bought 0.00510976 BTC.","Fast forward to February 18, 2023, Bitcoin's price has soared to $24,642.79, yet your consistent monthly investment of $100 now acquires 0.00405798 BTC.","Come June 20, 2023, with Bitcoin at $28,073.67, your $100 gets you 0.00356206 BTC.","With each passing month, irrespective of the price swings, your Bitcoin accumulation steadily grows, showcasing the power of a disciplined, consistent investment approach.","Now, how can Metal Pay assist in harnessing this savvy investment technique? Enter Metal Pay's Automatic Buys feature—a tool designed to effortlessly implement a dollar cost averaging strategy. It's a breeze to set up. Simply pick your preferred coin, hit 'BUY', and switch from \"one-time purchase\" to your desired recurrence option—daily, weekly, or monthly. And voila! You've just set in motion a mechanism to gradually build your portfolio over time.","Metal Pay's Automatic Buys feature demystifies the investment process, making it accessible to both new and seasoned investors. By automating your cryptocurrency purchases, you not only lessen the emotional strain often associated with market fluctuations but also set a solid foundation for potential financial growth. So, why wait? Set up your Automatic Buys on Metal Pay, sit back, and watch your portfolio evolve.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/dollar-cost-averaging"},"/news-insights/updates-from-metal-pay-dec-2023":{"version":1,"title":"Updates from Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Milk Road featured Metal Pay in the recent XPR Network deep dive, be in to win $50 BTC with automatic buys, plus exclusive Metal Pay merch.","keywords":"","h1":["Updates from Metal Pay"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 2, 2023","There is a lot happening in the world of blockchain and cryptocurrencies","Here are a few updates you may be interested in...","Metal X is an advanced trading platform that powers many of the orders made on the Metal Pay app in the background. Check out the brand new website that launched recently with plenty of updates and guides explaining how to get started with advanced trading. Enjoy seamless, gas free deposits from Metal Pay to Metal X on supported XPR Network digital assets (MTL, XPR, LOAN, METAL)","Milk Road, a prominent source for in-depth cryptocurrency news and analysis, introduced their readers to the XPR Network in a deep dive article that also featured Metal Pay.","Want to be in to Win $50 in Bitcoin? Metal Pay Monday is an ongoing campaign that occurs every week, where eligible users are automatically entered in the draw to win $50 in BTC. To enter, simply Join Metal Pay, create an automatic buy and keep it activated for a chance to win BTC every Monday. Terms apply.","Exclusive Metallicus merchandise including a sweet Metal Pay t-shirt is now available in the Snipverse shop powered by the XPR Network and WebAuth Wallet, allowing you to pay with supported cryptocurrencies including XPR.","We are always improving the Metal Pay app, make sure that you have got the latest version by heading to the iOS or Android app store to see if there's an update available.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/updates-from-metal-pay-dec-2023"},"/news-insights/metal-pay-partnership-with-coinledger":{"version":1,"title":"Metal Pay partnership with CoinLedger — Metal Pay - Crypto, The Right Way.","description":"Bad news, it’s Tax season. Good news, we’ve got you covered","keywords":"","h1":["Metal Pay partnership with CoinLedger"],"h2":["METAL"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 19, 2024","Introducing the Metal Pay partnership with CoinLedger, the cryptocurrency tax software built to save you time and maximize your refund.","We are always trying to make your crypto life easier and keep you in compliance so we are happy to invite you to benefit from an account with our tax reporting partner CoinLedger.","Metal Pay is offering customers an exclusive discount on a paid plan when you use the promo code:","With CoinLedger and Metal Pay you can calculate your taxes in 4 easy steps.","Request your yearly transaction report by sending an email to support@metalpay.com","Create an account on CoinLedger.io.","Upload your transaction file to CoinLedger.","Generate your tax report.","Enjoy these other benefits:","Invite your Tax professional to collaborate on your documents.","Export Files to a Tax platform of your choice including (TurboTax, TaxAct, H&R Block, TaxSlayer, and more) or Generate your own IRS FORM 8949","Import data from all of your crypto wallets in one place and integrate into 1 report.","Confused? Benefit from a wealth of information in the “Crypto Tax Guides”","Learn about Tax Loss Harvesting","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/metal-pay-partnership-with-coinledger"},"/news-insights/crypto-news-26-april-2024":{"version":1,"title":"Crypto News - 26 April 2024 — Metal Pay - Crypto, The Right Way.","description":"Welcome to the new Crypto News series, kicking off with the posting halving update!","keywords":"","h1":["Crypto News - 26 April 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 26, 2024","Last Friday was the Bitcoin halving event and we saw significant action on the blockchain with thousands of people rushing to try the new “Runes” protocol on top of Bitcoin that went live after the halving.","Post halving we saw BTC touch $67K over the weekend with a sharp decline at the start of the week. Overall most of the majors are up on the 7 day chart with Hedera (HBAR) leading the pack off the back of rumors they were working with BlackRock however this rumor was denied by BlackRock themselves, resulting in a 35% decline from its midweek top of almost $0.18.","In other news, the largest Bitcoin ETF saw subdued demand with ETF inflows for BlackRock’s IBIT at zero for the last two days.","This week Metallicus CEO and founder Marshall Hayner spoke on OP Radio about his vision for Metal L2 and more, watch the full talk on YouTube here.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-26-april-2024"},"/news-insights/whats-new-with-metal-pay-3":{"version":1,"title":"What's new with Metal Pay 3 — Metal Pay - Crypto, The Right Way.","description":"You may have noticed some changes with Metal Pay. Learn about all the new features.","keywords":"","h1":["What's new with Metal Pay 3"],"h2":["1. Enhanced User Interface","2. Metal X Integration","3. Integrated Customer Support","4. New Debit / Credit Card On-Ramp 💳","5. Increased Purchase Limits","6. Over-the-Air Updates"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 4, 2023","We recently launched Metal Pay 3, learn about some of the great features below.","The Metal Pay app now features a sleek and intuitive interface, offering a more effortless navigation experience. And for all the night owls or screen-sensitive eyes out there, we’ve included a Dark Mode!","Metal Pay now processes many trades through the XPR Network via Metal X, providing you with faster transactions, better pricing, and a strong reliance on decentralized exchange mechanisms over centralized solutions.","You can now access customer support directly within the app! Say goodbye to external forms and hello to seamless problem-solving.","Buying crypto has never been easier with our new Debit and Credit Card processor, allowing you to make your crypto purchase faster than ever.","We understand that your financial needs are evolving, and we’re evolving with you. That’s why we’ve increased the daily purchase limits to $10’000, giving you even more freedom and flexibility to manage your finances through Metal Pay.","With our new over-the-air update functionality, your Metal Pay app will receive the latest features and improvements without requiring manual updates from the app or play store!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/whats-new-with-metal-pay-3"},"/news-insights/crypto-news-10-may-2024":{"version":1,"title":"Crypto News - 10 May 2024 — Metal Pay - Crypto, The Right Way.","description":"1 Billion Bitcoin Transaction Milestone & Metal L2 joins the Optimism Superchain","keywords":"","h1":["Crypto News - 10 May 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 10, 2024","A relatively quiet week for the market, at least for crypto standards. At the start of the week Bitcoin ETFs saw a total inflow of over $217m, dramatically tailing off in the following days. Bitcoin also reached a new milestone of 1 billion transactions, 800 weeks after it was launched on Jan 3, 2009.","Investment management firm Vaneck has launched a “MEMECOIN” index, monitoring the performance of the leading six meme coins with Dogecoin (DOGE, available on Metal Pay) the predominant coin in the index holding a weight of 30.64%","We are back with the biggest gainers of the week and MTL is leading the pack in our tracked assets after it was announced Metal L2 (MTL) is joining the OPtimism Superchain.","Congratulations to this week's Metal Pay Monday winner, Arnold from Houston! Remember, for every Automatic Buy you have running you get one entry in the draw to win $50 in Bitcoin.","Metal L2 joins the Superchain - Meme by Supremebeme","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-10-may-2024"},"/news-insights/crypto-news-3-may-2024":{"version":1,"title":"Crypto News - 3 May 2024 — Metal Pay - Crypto, The Right Way.","description":"It’s been a tough week for crypto markets as we saw the largest daily net outflow from the 11 tracked Bitcoin ETFs.","keywords":"","h1":["Crypto News - 3 May 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 3, 2024","It’s been a tough week for crypto markets as we saw the largest daily net outflow from the 11 tracked Bitcoin ETFs, amid tension in markets in anticipation of the FOMC meeting on May 1st where the powers that be set the interest rates for US banks.","Well, May 1st has been and gone. Interest rates remained unchanged between 5.25 - 5.50% for the 6th consecutive FOMC meeting, with the Fed suggesting that they won’t reduce rates until inflation has dropped to 2%. While markets reacted poorly after the head of the Federal Reserve, Jerome Powell made his speech, we have since seen a bounce with Bitcoin showing signs of strong buy pressure particularly on the daily chart.","This week we’re featuring the biggest dippers graphic for those optimistic about the market, seeking opportunities.","In other news,","MicroStrategy is building a new DID (decentralized ID) protocol on Bitcoin called Orange which will use “Ordinals-like Inscriptions” on the Bitcoin network. This is somewhat similar to the Metallicus Identity protocol which you can use today.","Bitcoin miners amassed the second-highest monthly revenue of the past year earning a very impressive $1.79 billion.","Coinbase reported their earnings for Q1 2024 with a mighty $1.6B revenue, up 122% from last year and higher than the $1.34B expected.","Remember you can Dollar Cost Average into your favorite digital assets using recurring buys on Metal Pay and go in to win $50 in Bitcoin with Metal Pay Mondays!","Metal Pay has had Dollar Cost Averaging feature with recurring buys since 2022","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-3-may-2024"},"/news-insights/crypto-news-24-may-2024":{"version":1,"title":"Crypto News - 24 May 2024 — Metal Pay - Crypto, The Right Way.","description":"FIT21 Crypto Bill passes House, Ethereum ETF approvals and sad news about Kabosu the original Dogecoin shiba inu.","keywords":"","h1":["Crypto News - 24 May 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 24, 2024","An absolute action packed week in crypto as the House Passed the FIT21 Bill on Wednesday to provide legal clarity around cryptocurrency with a two thirds majority voting in favor. The bill received almost unanimous support from Republicans, along with 71 additional votes from Democrats bringing the total to 279 ‘yay’ vs 137 ‘nay’. This bill gives the CFTC, who are far less hostile towards crypto than the SEC, unprecedented power to regulate crypto as a spot commodity which falls outside of its usual job of regulating commodity derivatives.","Hot off the heels of the FIT21 Bill were rumors of the much anticipated Ethereum ETF approvals, and within 24 hours we were treated to the news that up to 8 ETFs from the likes of Grayscale, VanEck, Fidelity, Franklin and more were given the go ahead, pending approval of the S-1 docs which could take a few weeks.","This week the biggest gainers are being led by Ethereum (ETH) with the largest daily candle in its trading history, up more than 20% in a single day.","Last week, we told you that Metal L2 (MTL) is joining the Optimism Superchain. Velodrome, the largest Optimism DEX and Liquidity Layer of the Superchain, has announced their intention to launch on Metal L2. They submitted a proposal requesting MTL incentives to bootstrap deep liquidity pools. If you are a MTL holder, voting is still open so please review the proposal and cast your vote here.","Finally, it is with deep regret that we must announce the passing of Kabosu, the shiba inu dog which inspired the ‘doge’ meme and became the face of Dogecoin. She is forever in our hearts and will live on through the meme.","Want to get the Crypto News in your inbox every Friday? Simply join Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-24-may-2024"},"/news-insights/crypto-news-17-may-2024":{"version":1,"title":"Crypto News - 17 May 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin lunged higher this week after US CPI data. Largest Optimism DEX intend to launch on Metal L2.","keywords":"","h1":["Crypto News - 17 May 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 17, 2024","Bitcoin lunged higher this week after US CPI data came out showing inflation easing in April as declines in food and car prices offset the rise in rent and gasoline prices. Overall prices increased 3.4% from last year but down from 3.5% in March.","This week we saw a strong signal that institutional investor confidence is back with a massive 726.8m of inflows across all Bitcoin ETF’s. In general it has been a strong week for the cryptocurrency markets with most of the majors in the green, led of course by Bitcoin with a 9.7% gain on the 7 day.","After it was announced last week that Metal L2 (MTL) is joining the Optimism Superchain, this week Velodrome the largest Optimism DEX and Liquidity Layer of the Superchain have announced their intention to launch on Metal L2 and have requested MTL incentives to bootstrap deep liquidity pools. If you are a MTL holder please review the proposal and cast your vote here.","Metallicus CEO Marshall Hayner was featured in Mashable this week where he talks about how Metallicus are Bringing Banking and Blockchain Together.","Patelco Credit Union Joins Metal Blockchain’s Banking Innovation Program. \"Bringing Patelco Credit Union on board our Banking Innovation Program marks a pivotal advancement in our commitment to revolutionizing the financial sector with blockchain technology,\" expressed Frank Mazza, Metallicus' Director of Blockchain for Institutions & Fintechs.","If you're on the platform formerly known as twitter, be sure to give @metalintern333 a follow, their memes have been on fire lately and may include some alpha 👀","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-17-may-2024"},"/news-insights/crypto-news-7-june-2024":{"version":1,"title":"Crypto News - 7 June 2024 — Metal Pay - Crypto, The Right Way.","description":"Subdued market after Biden vetoed FIT21 bill.","keywords":"","h1":["Crypto News - 7 June 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 7, 2024","Despite claiming he wouldn’t, late on Friday night President Biden vetoed the FIT21 bill that we told you about two weeks ago, which was going to give the CTFC regulatory oversight over crypto as opposed to the SEC. This move came as no surprise to those locked in to the political realm and will likely lead to fierce debates during the upcoming Presidential election.","In general the market has been relatively stable with any gains in our tracked coins going to Bitcoin this week as the altcoin market remains somewhat subdued.","In other news this week, the Metal DAO proposal to launch Ionic Protocol on Metal L2 closed with a 100% yes vote at 4.61% quorum in favor of the launch.","Every week there is an exciting new development from the Metal L2 camp and this week is no exception with a proposal from Biconomy to deploy their Account Abstraction stack on the Layer-2. This would bring gas-less transactions, transaction batching, multichain signatures, session keys and more to Metal L2 allowing developers to utilize these smart contracts to offer services related to ERC-4337. You can read more about this potential partnership and vote on the proposal here.","If you are a MTL holder you should read the official migration guide here to ensure you will receive the airdrop of the new MTL v2 token on 26 June. By holding your tokens in Metal Pay or the WebAuth Wallet by 24 June you can ensure you will receive the airdrop.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-7-june-2024"},"/news-insights/how-to-receive-the-metal-dao-mtl-airdrop":{"version":1,"title":"How to receive the Metal DAO (MTL) Airdrop — Metal Pay - Crypto, The Right Way.","description":"To receive the airdrop, you must hold MTL in a non-custodial wallet or with an exchange that supports the airdrop.","keywords":"","h1":["How to receive the Metal DAO (MTL) Airdrop"],"h2":[],"h3":["How to Receive the MTL Airdrop on the Webauth Wallet","How to Receive the MTL Airdrop on Other Ethereum-Based Wallets","Exchanges that Support the MTL Airdrop:","Still got a question?"],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 20, 2024","Snapshot Date: Jun 24, 2024 20:00 PST","Airdrop Date: Jun 26, 2024 20:00 PST","To receive the airdrop on 26 June 2024, you must hold MTL in a non-custodial wallet or with an exchange that supports the airdrop before 24 June 2024 . For security and ease, we recommend holding MTL on Webauth Wallet, developed by Metallicus, the team behind Metal L2.","Below are guides on how to receive the airdrop on the Webauth Wallet and other Ethereum-based wallets, along with a list of supporting exchanges. This list will be updated when exchanges confirm their support.","Download Webauth:","Available on the Apple App Store or Google Play Store.","Create Your Webauth Account:","Creating your account is easy and straightforward. If you prefer to follow a guide, you can find it here.","Verify Your Identity:","Visit the Metallicus Identity website and select to connect with Webauth.","Follow the detailed guide for verification if you need further guidance.","Deposit MTL:","Open the wallet and locate the network selector at the top. Switch to the Ethereum network.","Click on the Receive button","Select Ethereum and click on the copy icon or Share Your Address button to copy the deposit address.","Go to the withdrawal page of your exchange/service/wallet, paste the copied address, and send MTL to this address.","Alternatively, you can also deposit MTL to the XPR Network in WebAuth Wallet, where it is listed under the ticker XMT. If you hold XMT during the snapshot, you will not receive an airdrop. However, you will be able to withdraw directly to the Metal L2 network, eliminating the need for an airdrop.","Webauth will natively support the Metal L2 network, allowing you to switch to the Metal L2 network once the network has been integrated. Thus there will be no need to add the network manually. Your MTL balance will appear on the Metal L2 mainnet automatically.","For supported non-custodial wallets, simply switch networks after the airdrop, and your MTL balance will appear on the Metal L2 mainnet. Use the following details to manually add the Metal L2 network:","Supported Wallets:","MetaMask","Rainbow Wallet","Core Wallet","Crypto.com DeFi Wallet","Coinbase Wallet","Connection Details:","Network Name: Metal L2","New RPC URL: https://rpc.metall2.com","Chain ID: 1750","Currency Symbol: ETH","Block Explorer: https://explorer.metall2.com","Upbit - announcement","Binance - announcement","Gate.io - announcement","Bitrue - announcement","Metal X","The Metallicus Client Services team is always on hand if you need any assistance. Available 24/7, and always human.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/how-to-receive-the-metal-dao-mtl-airdrop"},"/news-insights/crypto-news-31-may-2024":{"version":1,"title":"Crypto News - 31 May 2024 — Metal Pay - Crypto, The Right Way.","description":"This week; important Metal L2 migration guide, celeb meme coins and Trump supports crypto.","keywords":"","h1":["Crypto News - 31 May 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 31, 2024","It was a short week with Memorial day on Monday but that doesn’t mean it wasn’t action packed. Speaking in the state of New Hampshire on Saturday, former president Donald Trump told supporters “As your president, I will never allow the creation of a central bank digital currency.” and pledged to support the right to self custody. He finished up by committing to keep “Elizabeth Warren and her goons away from your $BTC” and end “Biden's crusade to crush the industry”, making it clear he will stand up for the more than 50 million crypto holders in the United States.","On Monday the crypto community was surprised to see Caitlyn Jenner launch their own meme coin, now being labeled a “celeb token”, followed up by rapper Iggy Azalea on the same day, with both celebrities causing controversy around their intentions in the industry.","Are you interested in meme coins? To record your answer click Yes or No.","In general the crypto market has been flat this week ahead of U.S. inflation data which was just released this morning. The core rate of inflation over the past 12 months stayed at 2.8% for the third month in a row, which is almost a three-year low.","In our tracked coins this week there was little movement, except for XPR Network that made a standout 17.5% gain on the 7 day.","Voting closed last week for the Velodrome on Metal L2 proposal on Metal DAO with a unanimous “Yes” vote, blowing past the 3% quorum. Yesterday Marshall Hayner spoke with the Velodrome team on an X space about the partnership and future plans for Metal L2.","Eagle eyed users may have seen a brand new Metal DAO proposal from the largest lending protocol on Mode, another Layer 2 on Optimism Superchain that has over $234m TVL in their Ionic Protocol. The team have submitted a proposal for $MTL incentives for deep liquidity bootstrapping allowing them to efficiently deploy the industry leading Ionic Protocol on Metal L2. You can vote for this proposal here and be a part of the intensive expansion efforts for the Metal L2 (MTL) ecosystem.","In other important news, Metal L2 has published the official migration guide with the Snapshot and Airdrop dates. If you are a MTL holder please read this important guide about the forthcoming token upgrade. TL:DR if you hold your MTL on Metal Pay or WebAuth Wallet you don’t need to do anything, your MTL tokens will be automatically upgraded.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-31-may-2024"},"/news-insights/crypto-news-14-june-2024":{"version":1,"title":"Crypto News - 14 June 2024 — Metal Pay - Crypto, The Right Way.","description":"Federal Reserve keeps interest rates unchanged.","keywords":"","h1":["Crypto News - 14 June 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 14, 2024","This week the Federal Reserve voted unanimously to hold its benchmark interest rate range at 5.25%-5.50%, remaining unchanged for the seventh consecutive meeting and despite the FOMC saying they expect three rate cuts this year back in March, they now expect a single rate cut in 2024.","Wednesday saw over $100m in Bitcoin ETF inflows however that was offset heavily by over $200m outflows yesterday with Fidelity’s FBTC fund seeing its second largest net outflow day since it debuted in January of this year. Altcoins saw the biggest drop this week with our dippers chart showing red across the board.","If you are a MTL token holder remember to make sure you have your MTL on an exchange or wallet that supports the upcoming snapshot and airdrop on June 24 and 26 respectively. For more information on this please read the MTL migration guide.","Have a friend that would like Metal Pay? If you invite them to use Metal Pay and they verify their account you could win Bitcoin! Simply send help@metalpay.com an email with your friends full-name and once they are verified you are in the draw! Learn more here.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-14-june-2024"},"/news-insights/crypto-news-5-july-2024":{"version":1,"title":"Crypto News - 5 July 2024 — Metal Pay - Crypto, The Right Way.","description":"Bloodbath in crypto this week, here's why.","keywords":"","h1":["Crypto News - 5 July 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 5, 2024","The largest liquidation event since the FTX fiasco happened this week with close to a billion dollars in long positions being liquidated. Crypto market sentiment is at its lowest point since January 2023, looking at the Fear & Greed Index today we are in deep Fear territory.","So who or what is to blame? Well they say bad news comes in threes and this week is no exception, here’s what we know:","The German government has been selling Bitcoin like crazy, they sold over 7.5k Bitcoin worth close to half a billion dollars and they still have over 40k BTC left.","Mt. Gox, the first ever Bitcoin exchange that suffered major losses, is finally starting to pay out owed BTC to its customers from many years ago. Over 47k BTC were moved to a new wallet yesterday in preparation for July repayments.","The US government also has a huge 213k cache of BTC, some of which they moved to a new wallet this week.","The German Government decided to dump their BTC on the market on the 4th of July while we were out trying to enjoy the holiday, charming! An independent German Member of Parliament, Joahna Cotor has slammed the government's decision to “hastily” sell the bitcoin they hold. It appears that the German Government has since withdrawn some of their BTC from exchanges.","Taking a look at our chart this week we have taken a snapshot of the assets that fell the most on the 7 day - you can find the full list in our CoinGecko portfolio here.","With the dramatic drop in the market yesterday, Metal Pay saw higher user activation than usual - and that’s on a public holiday, so I imagine many of you, like us, were glued to our phones during the family BBQ and fireworks shows, potentially taking advantage of the steep discounts on show at the same time. For those that are holding on for the ride, hands and arms should remain inside the vehicle at all times.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-5-july-2024"},"/news-insights/crypto-news-21-june-2024":{"version":1,"title":"Crypto News - 21 June 2024 — Metal Pay - Crypto, The Right Way.","description":"Fantastic news for Ethereum and the wider crypto industry.","keywords":"","h1":["Crypto News - 21 June 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 21, 2024","Fantastic news for the wider crypto industry this week as we saw the SEC back off their investigation into Ethereum 2.0, conceding that $ETH is a commodity and not a security. This news gave temporary relief to the market before we saw further weakness last night. Watching the Bitcoin ETF Flow Table this week reveals mostly outflows across the board. Biggest dippers chart again this week, of interest to some might be the assets that don’t appear on the list this week.","If you are a MTL token holder remember to make sure you have your MTL on an exchange or wallet that supports the upcoming snapshot and airdrop on June 24 and 26 respectively. For more information on this please read the MTL migration guide.","Have a friend that would like Metal Pay? If you invite them to use Metal Pay and they verify their account you could win Bitcoin! Simply send help@metalpay.com an email with your friends full-name and once they are verified you are in the draw! Learn more here.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-21-june-2024"},"/news-insights/crypto-news-28-june-2024":{"version":1,"title":"Crypto News - 28 June 2024 — Metal Pay - Crypto, The Right Way.","description":"Flat market this week, MTL v2 airdrop complete.","keywords":"","h1":["Crypto News - 28 June 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 28, 2024","The market has been relatively flat this week with all eyes on the Presidential Debate that aired last night. Small gains on DOGE & MTL with the rest of the market we track remaining flat or experiencing minor dips on the weekly. Looking at the Bitcoin ETF Flow chart we can see three consecutive days of inflows which may translate to a stronger market next week as we head into a new month.","In other news, the MTL v2 token snapshot and airdrop were completed this week on 24 and 26 June at 20:00 PST respectively. Major exchanges including Metal Pay should have withdrawals and deposits available again next week. Learn more about the migration event here and if you have any questions please contact support.","We would like to use this opportunity to remind users of some safety tips for engaging with cryptocurrency.","Use Secure Wallets and Strong Passwords - Make sure that your crypto is stored in a secure wallet. Some recommendations include Metal Pay, WebAuth Wallet and MetaMask. Always make sure you use a strong password.","Be careful of Phishing and Scams - Phishing attacks are common in the crypto world. Always verify the authenticity of websites and emails before entering sensitive information. Double check URLs to make sure they are correct and be cautious of unsolicited messages asking for personal details. NEVER share your private keys or seed phrases with anyone.","Enable Multi-Factor Authentication (MFA or 2FA) - Multi-factor authentication adds an extra layer of security by requiring multiple forms of verification before granting access to your accounts. You can generally use a phone number, google authenticator or biometrics like FaceID/TouchID.","By following these tips you can enhance the security of your cryptocurrency investments and protect yourself from common threats in the digital asset space.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-28-june-2024"},"/news-insights/metal-pay-launches-in-australia":{"version":1,"title":"Metal Pay Live in Australia — Metal Pay - Crypto, The Right Way.","description":"Metallicus proudly announces the launch of Metal Pay across all Australian territories, making it easier than ever for Australians to access and invest in digital assets.","keywords":"","h1":["Metal Pay Live in Australia"],"h2":["Why Australia?","Why Metal Pay?","Cryptocurrencies Available on Metal Pay","How to Get Started","24/7 Human Support","Dive into DeFi"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 9, 2024","Today marks a significant milestone for us at Metallicus as we proudly announce the launch of Metal Pay across all Australian territories, making it easier than ever for Australians to access and invest in digital assets.","Our decision to expand into the Australian market was driven by several compelling factors. Australia is not only a tech-savvy nation but also a global leader in crypto adoption, with a vibrant and enthusiastic local tech ecosystem. The country's progressive regulatory framework aligns perfectly with our commitment to compliance and operational excellence, making Australia an ideal environment for Metal Pay's next chapter.","We have always had a special connection with Australia, having supported events like Dogeathon Downunder, the recent Dogecoin Hackathon. We are excited to deepen our engagement and bring our services to the Australian community.","Metal Pay isn’t just another crypto app. Since 2016, we've been at the forefront of the digital asset revolution. We know digital assets, we know Bitcoin, and we know compliance.","Here’s why Australians will love using Metal Pay:","1. Buy in Minutes: Purchase cryptocurrencies quickly and easily with your debit or credit card. Metal Pay offers a smooth, user-friendly experience that gets you from cash to crypto in just a few taps.","2. Automate Your Investments: With our automatic buys feature, you can dollar-cost average into your favorite cryptocurrencies over time. Invest in Bitcoin, Ethereum, Litecoin, Dogecoin, and more starting from just $15. This feature makes it easy to build your portfolio gradually, minimizing the impact of market volatility.","3. Best Prices, Competitive Fees: Unlike other on-ramps that charge a spread, Metal Pay prides itself on getting you the best possible price at the time of your purchase. All transactions are completed through our Decentralized Exchange, ensuring the most competitive fees in the industry.","We offer a wide range of cryptocurrencies to meet all your crypto needs, including:","- Metal (MTL)","- Metal Blockchain (METAL)","- Metal Dollar (XMD)","- XPR Network (XPR)","- LOAN (LOAN)","- Bitcoin (BTC)","- Dogecoin (DOGE)","- Ethereum (ETH)","- Hedera (HBAR)","- Litecoin (LTC)","- Stellar (XLM)","- USD Coin (USDC)","Our platform is designed to provide you with the best choices and the most secure transactions.","Getting started with Metal Pay is quick and easy. Follow these simple steps to begin your journey into the world of digital assets:","1. Download the Metal Pay App: Available on both iOS and Android. Visit the App Store or Google Play Store and search for \"Metal Pay\" to download the app.","2. Create an Account: Open the app and sign up with your email address. Set a secure password to protect your account.","3. Verify Your Identity: For your security and to comply with regulations, you'll need to verify your identity. Follow the in-app instructions to upload a photo ID and a selfie. Verification typically takes just a few minutes.","4. Add a Debit or Credit Card: Once your identity is verified, link your debit or credit card to your Metal Pay account. This will allow you to purchase cryptocurrencies quickly and easily.","5. Start Buying Crypto: With your account set up and your payment method linked, you can start buying cryptocurrencies. Choose from a wide range of digital assets and begin investing today.","Whether you’re new to buying cryptocurrency or switching from another fiat on-ramp, our Metal Client Services team is here to help you 24/7. We understand that navigating the world of digital assets can be daunting, and we’re committed to providing personalized support whenever you need it.","Once set up with Metal Pay, you can use the fiat on-ramp as a bridge to accessing more advanced tools within the Metal ecosystem. Metal Pay's launch in Australia not only provides a new on-ramp for digital assets but also connects users to the broader Metal ecosystem, including Metal X for exchange and lending protocols. This expansion is a key part of our mission to make decentralized finance (DeFi) accessible to everyone, everywhere.","With Metal X, you can explore a variety of DeFi opportunities, including:","Lending and Borrowing: Utilize your crypto assets to earn interest or borrow against them.","Trading: Engage in seamless and secure trading of a wide range of digital assets.","Yield Farming: Participate in yield farming to earn rewards by providing liquidity.","Liquidity Pools: Contribute to liquidity pools and earn fees from trading activities.","We’re excited to serve the Australian market and bring the benefits of seamless, secure, and compliant digital asset transactions to another territory.","Stay tuned for more updates as we continue to expand and innovate.","As always, don’t forget to #MoveToMetal.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/metal-pay-launches-in-australia"},"/news-insights/crypto-news-12-july-2024":{"version":1,"title":"Crypto News - 12 July 2024 — Metal Pay - Crypto, The Right Way.","description":"Market absorbing German government sell-off.","keywords":"","h1":["Crypto News - 12 July 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 12, 2024","Last Friday we told you about the German government selling thousands of bitcoin on the market and that selling has continued through this week. They held over $3.5B worth of Bitcoin and now have as little as $220 million worth of Bitcoin left which analysts predict will be sold off today. Incredibly the market has absorbed this giant sell-off like a king with BTC still holding around $58-60K, and with this in mind… What happens when the German government runs out of Bitcoin to sell, how will the market react?Looking at the tracked coins from our CoinGecko portfolio here we are finally seeing some green on the 7 day chart, with LOAN and XPR leading the charge.","The Fear & Greed Index is now showing Extreme Fear, and according to the Index; “Extreme fear can be a sign that investors are too worried. That could be a buying opportunity.”“When Investors are getting too greedy, that means the market is due for a correction.”","Have friends or family in Australia? Metal Pay is now available for our Aussie friends and they can download it right away. Send cryptocurrency across borders to friends with Metal Pay in Australia and vice versa with no fees whatsoever.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-12-july-2024"},"/news-insights/crypto-news-9-august-2024":{"version":1,"title":"Crypto News - 9 August 2024 — Metal Pay - Crypto, The Right Way.","description":"Markets recover after Mondays Meltdown, Ripple settles with the SEC and Metal Pay launches in New Zealand.","keywords":"","h1":["Crypto News - 9 August 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 9, 2024","The market was thrown into turmoil earlier this week following geo-political tensions in the middle-east, U.S. Recession fears and tightening of monetary policy from the Bank of Japan as they raised interest rates by 25 basis points last week. Stocks and cryptocurrencies suffered the most with Bitcoin going as low as $49k, however they quickly recovered with many traders taking advantage of the dip. The Bank of Japan now says they will not hike rates further if markets are unstable.","Institutional investors have been in “bitcoin buy mode” since Wednesday with Bitcoin ETFs seeing significant inflows, almost completely reversing the 300m in outflows the previous two days. Ethereum ETF flow has been a mixed bag, seemingly having the reverse situation with inflows dominating the start of the week and outflows taking over from Wednesday.","Ripple, the company that launched the XRP token in 2012 has finally settled with the SEC and been ordered to pay $125m in penalties. The judge reaffirmed her stance that Ripple’s programmatic sales of XRP to retail customers through exchanges did not breach federal securities laws. On Wednesday, Judge Torres also prohibited Ripple from committing future violations of federal securities laws. Although she did not rule that Ripple had violated any laws following the SEC's lawsuit, she cautioned that the company might be in violation in the future in relation to its \"on demand liquidity\" offerings. The SEC had been seeking fines up to $2 billion dollars according to its chief legal, Stuart Aldertoy.","The Fear and Greed index recovered from Extreme Fear yesterday and is now showing a Neutral stance so it’s hard to tell where we go from here. Tensions in the middle-east and U.S Recession fears still loom so investors are likely trying to figure out how to position themselves accordingly and prepare for any outcome.","Whilst we can’t tell you what the markets are going to do next, we can tell you that Metal Pay is expanding to new territories and we are happy to announce we are now available in New Zealand! So please say a huge Kia ora to your Kiwi friends and invite them to download Metal Pay from the iOS App store or the Google Play Store and enjoy the lowest fees when buying crypto with debit or credit cards!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-9-august-2024"},"/news-insights/crypto-news-2-august-2024":{"version":1,"title":"Crypto News - 2 August 2024 — Metal Pay - Crypto, The Right Way.","description":"California DMV to onboard 42M to the blockchain?","keywords":"","h1":["Crypto News - 2 August 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 2, 2024","Last week Ethereum ETFs went live and if it wasn’t for Grayscales ETHE spot ETF heavily skewing the flow table we would have seen consistent daily inflow totals. Blackrock’s ETHA has had hundreds of millions in-flows this week alone, followed closely by FETH by Fidelity.","Morgan Stanley is set to offer Bitcoin ETFs to Wealthy Clients starting Wednesday according to CNBC. The move comes in response to demands from its clients. Large firms like Morgan Stanley usually have lengthy review and compliance processes to complete before they approve funds to be offered to their clients, currently only clients with at least $1.5 million net worth will be offered access to the asset class.","The California Department of Motor Vehicles (DMV) announced a new partnership with Avalanche blockchain where they plan to streamline the title and registration transfer process, reducing the need for physical appointments and helping to onboard 42 million Californian drivers to the blockchain at the same time. Metal Blockchain is a fork of Avalanche, focused on onboarding financial institutions.","ETHGlobals “Superhack 2024” hackathon kicked off this morning and Metal L2 is a Gold sponsor where they will give out some prizes to those that show promise and commitment to building on The Banking Layer. Join ethglobal.tv and follow the event where over 750 hackers have entered to connect and create some exciting new projects for the Ethereum and L2 ecosystem.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-2-august-2024"},"/news-insights/crypto-news-19-july-2024":{"version":1,"title":"Crypto News - 19 July 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin, a strategic reserve asset?","keywords":"","h1":["Crypto News - 19 July 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 19, 2024","Another week of green across the board with the crypto market showing signs of recovering from the major sell-offs earlier this month. Remember how we told you about the billions of dollars worth of Bitcoin being sold on the market by the German government over the last couple of weeks? Well they ran out of Bitcoin last Friday according to ARKHAM intelligence, which means less sell pressure on the market… for now. Market analysts at ARKHAM also pointed out that the Mt. Gox sell-off could be next after over 91k BTC ($5.8B) was spotted moving to new addresses from official Mt. Gox wallets.","We have also seen strong buy pressure in BTC ETF’s with over $860B worth of inflows this week which may be a new record, the traditional finance people are waking up to the magic that is Bitcoin, possibly fueled by the strong support for Bitcoin and the right to Self-Custody by Republican presidential candidate Donald Trump. Rumor is that Trump could announce Bitcoin as a “strategic reserve asset” during a cryptocurrency conference later this month in Nashville.","Looking at our portfolio snapshot from available tokens on Metal Pay we are well and truly in the green, all cryptocurrencies supported are up this week which is a nice feeling indeed if you have been locked in to the market this month. Top performers are XRP, DOGE, BTC, MTL & XPR.","Much anticipated ETH ETF’s are also going live next week, so just like the BTC ETF’s you can expect some institutions and traditional finance to start to take notice of Ethereum and its dominant position in the cryptocurrency market for smart contracts and decentralized finance.","In other news… banks, airports and hotels have all suffered I.T. infrastructure downtime this morning due to a faulty patch deployed by cybersecurity company CrowdStrike resulting in the inability to send money, accept money, or check guests into their flights and hotels. We hope your morning wasn’t too badly interrupted from this outage and remember if you need to send money in a pinch and your bank is offline you can always use Metal Pay!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-19-july-2024"},"/news-insights/crypto-news-26-july-2024":{"version":1,"title":"Crypto News - 26 July 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin ETFs are live, now it’s Ethereum's turn.","keywords":"","h1":["Crypto News - 26 July 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 26, 2024","Ethereum ETFs went live this week, opening up ETH investing to a broader audience, especially those who may be hesitant to directly buy and hold cryptocurrencies for themselves like traditional, institutional and retail investors. Demand was relatively subdued with 106m in ETF inflows on Tuesday, followed by 133m and 153m of outflows Wednesday and Thursday respectively. The outflows represent selling of the digital asset and inflows represent the buying, so there was heavy selling from the likes of Blockrock, Fidelity and Grayscale as shown here.","Analysts at Wintermute wrote that it expects Ethereum ETFs to generate between $3.2 and $4 billion worth of inflows in their first year of trading with “lower-than-anticipated demand” compared to the firms prediction that Bitcoin ETFs will generate more than $30 billion in assets before the end of the year.","Despite the 6.2% drawdown on ETH for the week, wider market sentiment remains positive which is also reflected in the Fear & Greed Index showing that we are back in “Greed” territory after last month being dominated by “Fear”.","We now have the two largest cryptocurrencies by market capitalization, BTC and ETH, represented in the world of traditional finance, introducing a whole new market to the world of blockchain, cryptocurrency, and digital assets. Did Satoshi Nakamoto, the mysterious visionary behind Bitcoin, ever imagine their creation would become such a foundational pillar of a new financial ecosystem? The integration of these digital currencies into traditional financial products like ETFs not only validates their significance but also paves the way for broader acceptance and adoption in mainstream finance.","Want to buy and hold your own digital assets? Use Metal Pay!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-26-july-2024"},"/news-insights/crypto-news-16-august-2024":{"version":1,"title":"Crypto News - 16 August 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin lags stock market recovery.","keywords":"","h1":["Crypto News - 16 August 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 16, 2024","Bitcoin was under pressure earlier in the week from a stronger dollar and uncertainty around the U.S presidential election while the stock market saw strong gains amid easing fears of a U.S. recession. BTC is now quickly playing catch up to the stock market, up 2.5% already today.","The NYSE and Nasdaq withdrew requests for rule changes relating to listing options on Bitcoin and Ethereum ETF according to regulatory filings submitted yesterday. The move comes after statements in July from the SEC requesting more time to consider the proposals. Currently US investors can only trade options on ETFs that track the performance of BTC using derivatives but they want to allow investors to trade ETFs that physically hold BTC.","Litecoin LTC is the biggest gainer on Metal Pay, up 10% on the 7 day with Hedera HBAR on the other end of the spectrum, down 7% this week.","Looking at the Crypto Market Fear & Greed Index today the sentiment shows investors are somewhat fearful compared to last month where the sentiment was in the Green for Greed.","Remember you can physically hold your own BTC, LTC and more when you buy on Metal Pay and withdraw to your non-custodial wallet of choice.","Have a question? Our incredible Metal Client Services support team is here to help you. Click Here.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-16-august-2024"},"/news-insights/crypto-news-6-september-2024":{"version":1,"title":"Crypto News - 6 September 2024 — Metal Pay - Crypto, The Right Way.","description":"Crypto Markets Plunge Amid Broader Selloff","keywords":"","h1":["Crypto News - 6 September 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 6, 2024","The crypto markets experienced a large sell off this week mirroring the weakness in US equities with the S&P 500 having its worst days trading since the Aug. 5 market meltdown.","All major cryptocurrencies are down across the board. Bitcoin and Ethereum are both down more than 9% on the 7 day chart. Glancing at the ETF flow chart, both BTC and ETH have experienced massive outflows this week with ETH outflows slowing down yesterday.","Fear and Greed Index is deep in Extreme Fear territory showing that there is a lot of uncertainty in the market right now.","All eyes are now on The Fed's ability to slow inflation without kicking us into a recession. Futures markets are convinced of at least a quarter-point rate cut on September 18, pricing around a 31% chance of a larger 50 basis point reduction according to the FedWatch Tool.","In positive news, the XPR Network has welcomed Rémy Chauveau, widely known as Rockerone, as the new Digital Adoption & Growth Manager. Rockerone brings a fresh vision for driving engagement and adoption across the XPR Network and Metal X ecosystems.","His strategic approach focuses on unifying content, expanding social media presence, and strengthening community and developer relations. Rockerone's leadership is expected to significantly boost the network's reach and bring new users and developers into the fold.","Given the recent market volatility and economic uncertainties, how are you feeling about the current crypto landscape?","Do you see this as an opportunity for long-term growth, or are you approaching it with caution in the short term?Record your answer below.A: OpportunityB: Caution","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-6-september-2024"},"/news-insights/crypto-news-23-august-2024":{"version":1,"title":"Crypto News - 23 August 2024 — Metal Pay - Crypto, The Right Way.","description":"Tap-to-pay coming to crypto apps on the iPhone.","keywords":"","h1":["Crypto News - 23 August 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 23, 2024","Apple have announced that developers can soon offer in-app NFC transactions to their apps using Apple's contactless payments system, which means you may soon start to see some crypto apps offer “tap to pay” style payments at the register.On Wednesday hackers took over the official McDonalds instagram account and used it to shill (promote) a “fake token” that the hackers created based on the restaurant's purple mascot Grimace. Remember to always do your due diligence on any cryptocurrency tokens you choose to invest in and always be careful clicking on unfamiliar links.","FED Chair Jerome Powell spoke at their annual retreat in Jackson Hole Wyoming just minutes ago where he said “The time has come for policy to adjust”, declining to provide exact indications on timing, he said “Inflation has declined significantly. The labor market is no longer overheated, and conditions are now less tight than those that prevailed before the pandemic,” Powell said. “Supply constraints have normalized. And the balance of the risks to our two mandates has changed.” indicating rate cuts are ahead.Taking a look at the Bitcoin ETF flow for the week, we have had consistent total inflows every day this week with IBIT really leading the charge, indicating that there is strong institutional interest in the digital currency. Ethereum ETF flow is not looking as hot with consistent daily total outflows for the week.Our tracked tokens are almost all in the green on the 7-day chart with Metal DAO’s MTL and Hedera’s HBAR showing double digit gains for the week. All tokens available on Metal Pay are part of the tracked tokens list, you can find all coins here.","Have a great weekend everybody and we’ll see you next week.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-23-august-2024"},"/news-insights/crypto-news-1-september-2024":{"version":1,"title":"Crypto News - 1 September 2024 — Metal Pay - Crypto, The Right Way.","description":"Sony Group dive into the world of Blockchain.","keywords":"","h1":["Crypto News - 1 September 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 1, 2024","Marshall Hayner, CEO of Metallicus, and Congressman Byron Donalds, a prominent member of the Financial Services Committee and the Subcommittee on Digital Assets, Financial Technology, and Inclusion, recently appeared in an exclusive interview on CoinDesk, hosted by Jenn Sanasie. The discussion titled “State of the Blockchain Nation” underscored the critical juncture at which the blockchain and cryptocurrency industry finds itself, with significant implications for regulation, innovation, and the broader adoption of these technologies. Both speakers advocated for a balanced regulatory approach that fosters innovation while protecting consumers and ensuring the U.S. remains a leader in this rapidly evolving space. You can watch the full interview here.","Last week Metallicus CFO, Irina Berkon, joined Jill Maladrino on Nasdaq TradeTalks last week to discuss how market strategy, portfolio management, and emerging technologies are converging to shape the future of global business and investment. The discussion highlighted how emerging technologies like DeFi, blockchain, and predictive analytics are transforming traditional sectors, from finance to social impact. The discussion underscored the importance of collaboration between public and private sectors, the necessity of aligning innovation with regulatory frameworks, and the growing role of data in driving impactful investments. Despite challenges, there is optimism about the potential of these technologies to reshape global business and investment, especially in emerging markets. You can watch the full talk here.","Bitcoin is down on the week, dragging the rest of the market with it. Monday saw significant inflows on the Bitcoin ETF front but all of that was undone on Tuesday and Wednesday with large outflows easing off on Thursday. Bitcoin ETF flows can be an indicator of institutional investor sentiment but they aren’t the sole factor determining price movements. While big inflows can signal growing confidence in the asset and potential upward momentum, outflows could suggest investor caution or profit-taking. It doesn’t tell the whole story however, and we have to consider ETF flows in the context of other market factors like macroeconomic trends, the regulatory environment and overall market liquidity.","Former US President Donald Trump launched a new series of digital collectables this week as NFTs where collectors can win various bonus perks such as attendance at a gala dinner with Trump, gold colored Trump-branded sneakers and a piece of the suit Trump wore during his recent debate with President Joe Biden.","Sony Pictures and Sony Music are diving into the world of blockchain with their new Layer 2 blockchain based on the OP Stack (like Metal L2) called Soneium. “While the Internet has contributed to improving convenience worldwide, it has led to the centralization of a huge amount of information and the economic sphere online,” Sony said, “Web3 makes it possible to decentralize that concentrated power.”","For more news and updates, follow the MetalPaysMe account on X!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-1-september-2024"},"/news-insights/crypto-news-13-september-2024":{"version":1,"title":"Crypto News - 13 September 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin reclaims $60k","keywords":"","h1":["Crypto News - 13 September 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 13, 2024","Traders are ending the week on a high with Bitcoin reclaiming $60k, up 11.1% on the 7 day chart recovering from the previous week's 9% drop, Ethereum is playing catch up with a 7.8% gain on the week. Peeking at the institutional side of things, BTC inflows were relatively strong this week compared to last with 184m flowing in and just 44m flowing out so far. Looking at our tracked coins, Bitcoin wasn’t the only one experiencing double digit growth.","Odds of a 50 Basis Point Fed Rate Cut next week jumped to 49% today according to the CME FedWatch Tool, that’s almost a coin flip on whether we will see 25 or 50 basis point cut, but regardless it looks like cuts are coming very soon. It’s often assumed that rate cuts are a good thing for risk assets like bitcoin but it could signal the FED is worried about the economy.","According to FOX Journalist Eleanor Terrett, the crypto industry has given over $190 million in political donations for this year's U.S. election, up from just $15 million in 2020.","Vitalik Buterin, the creator of Ethereum, recently announced that he will only talk about certain Ethereum upgrades called \"Layer 2 solutions\" (or L2s) that meet higher security standards, known as Stage 1 or above. He said, \"The era of rollups being glorified multisigs is coming to an end. The era of cryptographic trust is upon us.\"","If you're interested in which Layer 2 solutions meet these new security standards, you can visit the L2Beat summary page. This website keeps track of all the latest developments and shows which projects qualify. Recently, OP Mainnet achieved the Stage 1 label, meaning it meets the higher security criteria. Other projects like Mode, Zora, and Metal L2 use similar technology and are likely to qualify soon.","Have a friend that would like Metal Pay? If you invite them to use Metal Pay and they verify their account you could win Bitcoin! Simply send help@metalpay.com an email with your friends full-name and once they are verified you are in the draw! Learn more here.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-13-september-2024"},"/news-insights/crypto-news-20-september-2024":{"version":1,"title":"Crypto News - 20 September 2024 — Metal Pay - Crypto, The Right Way.","description":"Fed cuts interest rate by 50 bps","keywords":"","h1":["Crypto News - 20 September 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 20, 2024","On Wednesday morning, The Federal Reserve shocked the world with a bold 50 basis point cut in interest rates, their first rate cut since March 2020. The wider financial markets reacted positively to the rate cut with Bitcoin now up 7.7% on the 7 day.","It’s always interesting to watch how the institutional investors react but it’s likely the 25-50 bps cut was priced in and we can somewhat see this with strong inflows of over 200m for the week leading up to Wednesday then on the day of the cut we saw 52m outflows, with inflows of 158m resuming again on Thursday.","The euphoria fueled rally is starting to cool off today for the end of the week as people lock in their gains and investors in the US try to enjoy the last of summer. With the US election just around the corner, the markets are likely to start heating up if the previous election cycles are anything to go by.","Bitcoin wasn’t the only digital asset to ride the wave, Ethereum is keeping pace with a 7.6% gain on the weekly. Ethereum creator Vitalik Buterin was seen singing on stage during his talk at the much touted Token2049 in Singapore where a huge chunk of the blockchain and cryptocurrency industry has been connecting, talking and partying it up this week. During his talk, Buterin noted that high transaction fees were among the challenges of mainstream crypto adoption, however transaction fees on Ethereum layer-2 (L2) networks have gone down to “basically zero”.","Vitalik: An Ethereum Story, the feature documentary chronicling tech visionary Vitalik Buterin and Ethereum’s community of builders as they fight for an open internet accessible to all was released this week. The onchain stream of the film is available here until Oct. 20th.","In breaking news Michael Saylor just announced that MicroStrategy has acquired another 7,420 BTC ~$458.2 million at ~$61,750 per Bitcoin, bringing their total BTC acquired to 252,220.","You too can acquire Bitcoin using your debit or credit card with Metal Pay, click here.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-20-september-2024"},"/news-insights/crypto-news-27-september-2024":{"version":1,"title":"Crypto News - 27 September 2024 — Metal Pay - Crypto, The Right Way.","description":"Has the Green turned Fear into Greed?","keywords":"","h1":["Crypto News - 27 September 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 27, 2024","Another week in the green with the majors experiencing single digit growth more or less across the board. Ethereum took center stage this week as network fees increased along with the price of Ethereum gas token $ETH experiencing a 6.1% gain on the 7 day chart.","As always we open up our farside ETF flow tracker to see what the institutional traders are doing. BTC ETFs have absorbed over $611m in inflows this week alone and the week isn’t over, in fact this is the highest net inflows since July for $BTC ETFs. Ethereum ETF flow is looking more promising this week too with a net inflow of over $105m so far this week.","To answer the question in the subject, yes the Green in the markets has in fact turned Fear into Greed according to the Fear & Greed Index we track.","How are you feeling about the markets? Reply to this newsletter and let us know!Attention DeFi Traders!","Metal Pay is now integrated directly into Metal X, the DeFi Super App on the XPR Network. Metal Pay Connect allows users to onboard to the world of decentralized finance with fiat using your debit or credit card directly to your XPR Network account without paying any network fees.","Try it out here and start your trading journey!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-27-september-2024"},"/news-insights/fednow":{"version":1,"title":"Metallicus Supports the FedNow® Service, Advancing U.S. Payment System — Metal Pay - Crypto, The Right Way.","description":"October 22, 2024 — Metallicus announced today it is now supporting live transactions on Federal Reserve Financial Services’ instant payment rail, the FedNow Service. Metallicus joins a lineup of service providers facilitating transaction activity for financial institutions on the service.","keywords":"","h1":["Metallicus Supports the FedNow® Service, Advancing U.S. Payment System"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 22, 2024","Metallicus Supports the FedNow® Service, Advancing U.S. Payment System","October 22, 2024 — Metallicus announced today it is now supporting live transactions on Federal Reserve Financial Services’ instant payment rail, the FedNow Service. Metallicus joins a lineup of service providers facilitating transaction activity for financial institutions on the service.","Through the FedNow Service, Metallicus will enhance their current offerings to financial institutions via traditional payments channels and will now have access to instant payments for immediate clearing and settlement of conventional transactions, helping them remain competitive and offer best-in-class service for their customers.","To support transaction activities for financial institutions participating in the FedNow Service, Metallicus completed a multi-step customer testing and certification program. The FedNow Service network includes a diverse range of financial institutions and service providers across the U.S.","Metallicus joins several dozen service providers and more than 1,000 financial institutions that have adopted the FedNow Service since its launch in July 2023.","About Metallicus","Metallicus is a pioneering FinTech bridging traditional finance with advanced solutions, like leveraging blockchain technology, through its Digital Banking Network. This network includes interoperable Layer 0, Layer 1, and Layer 2 blockchains, enabling instant transactions with on-chain identity (DID/KYC) for compliant digital asset interactions. Using some of the latest payments technologies available in the market today, Metallicus provides plug-and-play blockchain technology solutions for institutions and consumers, including private subnets, white-labeled fiat on-ramps, digital biometric wallet solutions, decentralized trading platforms, and more. For more information, visit www.metallicus.com.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/fednow"},"/news-insights/crypto-news-11-october-2024":{"version":1,"title":"Crypto News - 11 October 2024 — Metal Pay - Crypto, The Right Way.","description":"Identity of Bitcoin creator; Satoshi Nakamoto revealed?","keywords":"","h1":["Crypto News - 11 October 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 11, 2024","HBO’s new documentary “Money Electric: The Bitcoin Mystery” that aired on Monday claims to have revealed the true identity of Bitcoin’s creator, Satoshi Nakamoto as Peter Todd who took to X to deny the claim.","There has been intense debate over who the real Satoshi Nakamoto is over the last decade, considering they hold as much as 1.1 million Bitcoin, which would be worth about $70 billion.","Bitcoin is up almost 2% this week despite three days of BTC ETF outflows. US CPI data came in hotter than expected with inflation falling for the sixth month in a row in September hitting 2.4%, just above the 2.3% estimate.","Looking at our top gainers chart this week Ethereum is out performing almost all other tokens that we cover. Some users may have noticed that Ethereum network fees have increased substantially this week pushing more users to transact on Layer-2 solutions such as Optimism or Base.","Yesterday, Uniswap, which is one of the worlds largest decentralized exchanges, announced their brand new Layer-2 solution called Unichain - essentially a Dapp Chain or a blockchain dedicated to one app. The new blockchain is part of the ever expanding Optimism Superchain which is advancing interoperability between Layer-2 blockchains including Metal L2 from the Metal DAO.","Are you curious about experimenting with Dapps on other blockchains? Use the Superbridge app to swap ETH and USDC between Ethereum and L2 networks like Base, OP Mainnet and Metal L2.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-11-october-2024"},"/news-insights/crypto-news-4-october-2024":{"version":1,"title":"Crypto News - 4 October 2024 — Metal Pay - Crypto, The Right Way.","description":"Uptober or Octover?","keywords":"","h1":["Crypto News - 4 October 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 4, 2024","Bitcoin had its best performing month of September since 2013 and it had everyone fired up for October which is traditionally one of the better performing months in stocks and crypto, often referred to as “Uptober”. With all that expectation, the 1st of October started off with a bang on Tuesday where Bitcoin briefly touched $64k before dropping sharply on the 2nd and 3rd, bottoming out on Thursday at $60k due to rising tensions in the Middle East as well as fears of a Port Strike across the U.S.","The September Jobs Report showing strong jobs numbers came out first thing this morning with 254’000 new jobs added to the US economy, well above expectations of 147’000. Some are asking if the Fed’s 50 basis point cut was too aggressive. Regardless, the markets are reacting positively to this news and everything on the 24h chart is in the green as we type this newsletter.","Last week's top gainers are this week's biggest dippers on the 7 day chart but that could quickly change by the end of the weekend. Don’t forget crypto trades 24 hours a day, 7 days a week.","You too can trade crypto 24/7 with Metal Pay using your debit or credit card. Trade now!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-4-october-2024"},"/news-insights/crypto-news-25-october-2024":{"version":1,"title":"Crypto News - 25 October 2024 — Metal Pay - Crypto, The Right Way.","description":"Gold and SIlver reach all-time highs","keywords":"","h1":["Crypto News - 25 October 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 25, 2024","Bitcoin experienced some volatility this week, trading between $69,225 and $65,440, but we seem to have landed in neutral territory with BTC down just 0.1% on the 7 day chart as of writing. Bitcoin ETF inflows have been steady thanks to Blackrock’s IBIT ETF, bringing in over $855 million.","Gold and Silver reached all-time highs this week amid a rising US Dollar, driven by global uncertainties and a potential Trump Presidency. Silver has flown under the radar lately as prices soared to new highs. Silver is used in a host of electronic products manufactured today and the rise of tech is only going to increase the demand for silver.","Stripe announced its $1.1 billion acquisition of stablecoin startup Bridge this week, validating the usage of stablecoins on public blockchains going mainstream in the world of online payments. The deal is the largest crypto acquisition by a major payments company to date.","A new proposal has been submitted to the Metal DAO by Paul Grey in support of new developers in the Metal L2 community. This proposal includes support for Thirdweb gaming plugin suite and developer tools, Agora Governance voting portal and funds for developers themselves to earn via hackathons and bug bounties. MTL holders can vote here.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-25-october-2024"},"/news-insights/crypto-news-8-november-2024":{"version":1,"title":"Crypto News - 8 November 2024 — Metal Pay - Crypto, The Right Way.","description":"Donald Trump Win, Bitcoin All-Time High","keywords":"","h1":["Crypto News - 8 November 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 8, 2024","Leading up to the US Election on Wednesday, investors took a somewhat cautious approach with Bitcoin ETF outflows of over $600m on Monday and Tuesday, before a dramatic turn around on Wednesday as it became clear that Donald Trump was going to win the US Presidential Election. Investors absolutely rallied on this news, sending Bitcoin far beyond its all time high reaching $76’000 and holding, while Bitcoin ETF inflows topped $2B in just two days.","Now that Donald Trump is set to become President of the United States, a strategic Bitcoin reserve could very much be on the cards as the idea was teased by Trump and several other U.S. politicians earlier this year.","Ethereum ETF inflow was no different, over $120m inflow the last two days which is a sign that the wider DeFi ecosystem feels confident moving forward with investment given the new administration and President Donald Trump's interest in DeFi and NFTs.","In general the crypto sector is hoping for clearer regulation and less guard rails on markets in general, allowing the United States to become a technology leader in the growing sector. In fact there are over 266 pro-crypto candidates that have been elected to the House & Senate, according to the Stand with Crypto website.","Almost every currency we track on Metal Pay Markets saw gains this week, with Dogecoin leading the pack at an impressive 23.6% weekly increase. The bullish momentum could be driven by renewed excitement around Elon Musk's interest in the memecoin and his backing of the new Trump Administration’s Department of Government Efficiency (D.O.G.E.) plan.","Dogecoin enthusiasts consider Trump’s victory a major boost for the coin, as it promises more news involving Musk and the proposed D.O.G.E. department, which would aim to oversee government spending and eliminate fraud. During a campaign event in Pennsylvania, Musk’s enthusiastic “Yeah, D.O.G.E” response to a question about the department caused Dogecoin to spike 15%. It’s important to note that there is absolutely no relationship between the cryptocurrency and the proposed government department.","In wider market news, The Fed just cut interest rates by another 25 basis points yesterday adding more fuel to the markets and potentially bringing down the cost of lending on everything from auto financing to credit cards. The Stock Market also rallied behind the Republican president elect this week as the Dow surged to a new record high.","Want to buy Bitcoin, Ethereum or Doge?Click here to buy in minutes on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-8-november-2024"},"/news-insights/crypto-news-18-october-2024":{"version":1,"title":"Crypto News - 18 October 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin back above $68k","keywords":"","h1":["Crypto News - 18 October 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 18, 2024","I think it’s probably fitting to start this week off with a meme:","Spot Bitcoin ETFs have broken $20 billion in inflows after a $1.85 billion surge this week that sent BTC back above $68’000 USD. It took Gold ETFs literal years to achieve what Bitcoin has done in mere months, truly a testament to the perceived value of the digital assets scarcity.","Taking a look at our trust Bitcoin ETF Flow chart we can see that BlackRock’s iShares Bitcoin Trust (IBIT) has been a major contributor to the inflows. BlackRock’s net assets stand at over $25 billion, with the Bitcoin ETF now accounting for 1.95% of the entire Bitcoin market share of $1.3 trillion.","The $1.3 trillion market cap of Bitcoin now firmly cements it as the tenth largest asset by market capitalization, just above the trillion dollar valuation of TSMC and below the $1.46 trillion valuation of Meta Platforms (Facebook)","Bitcoin isn’t the only one in the green this week, “a rising tide lifts all boats” as they say. Dogecoin enjoyed a 23.6% surge on the 7 day chart, more than double that of Bitcoin and Litecoin.","In Metallicus ecosystem news this week, the Metal DAO governance proposal by oku.trade to deploy Uniswap v3 on Metal L2 has hit quorum, but there is still time to make your vote count. MTL holders with their tokens on XPR Network using WebAuth Wallet can visit the Metal DAO community here to review and vote on the proposal. Paul Grey spoke to Getty Hill from Oku about the proposal, what it means for MTL holders and how they can take advantage of the proposed incentive program. Tune into the recording here if you have an X.com account to learn more or read more here. Voting for the proposal closes on the 26th October.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-18-october-2024"},"/news-insights/crypto-news-1-november-2024":{"version":1,"title":"Crypto News - 1 November 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin approaches all-time high.","keywords":"","h1":["Crypto News - 1 November 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 1, 2024","Bitcoin’s price approached all-time high territory this week trading near $73’000 as investors anticipated favorable regulatory changes depending on the election outcome. Both major candidates expressed support for cryptocurrencies, contributing to increased market optimism with Donald Trump taking to X.com to wish Bitcoiners a Happy 16th Anniversary of Satoshi’s White Paper.","MicroStrategy Inc., the largest corporate holder of Bitcoin announced its plans to raise $42 billion over the next three years to buy additional Bitcoin. Founder & Chairman Michael Saylor posted the full $MSTR investor presentation here on X.com going into detail about their strategy and wider BTC Principles.","We thought last week's ETF Inflow was crazy, well check out this week. Over $2.2 billion in inflows which I think is the biggest week we’ve seen since Bitcoin ETF’s went live earlier this year.","In the first year since their approval, U.S. Bitcoin exchange-traded funds (ETFs) have accumulated and are holding an amount that exceeds half of those in gold ETFs. This wild growth shows a huge shift in investor interest toward Bitcoin as a store of value. Watch this space.","Voters in the Metal DAO (MTL) unanimously voted in favor of Oku trade deploying Uniswap v3 protocol on Metal L2 this week, which means MTL holders can look forward to some fantastic liquidity incentives which we will show you how you can take advantage of in the coming weeks.","With this successful proposal, Metal L2 will have not one, but two major decentralized exchange protocols live before the end of the year. The proposal for Velodrome on Metal L2 passed earlier this year and we have had news that this will be live in December, which means a major Metal L2 and MTL presence in the wider DeFi ecosystem and plenty of incentives for MTL holders.","Don’t forget to check on the Metal DAO governance dashboard and use your MTL to vote on the proposals and help to steer the future of Metal L2!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-1-november-2024"},"/news-insights/crypto-news-15-november-2024":{"version":1,"title":"Crypto News - 15 November 2024 — Metal Pay - Crypto, The Right Way.","description":"Doge is leading the pack this week.","keywords":"","h1":["Crypto News - 15 November 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 15, 2024","Bitcoin continued its uptrend this week breaching an eye watering $93’000 on Wednesday and continuing to hold between $87-90K level even after heavy profit taking from some of the large funds yesterday. The surge is attributed to the expectations of a more favorable regulatory environment under incoming President Elect, Donald Trump's new administration.","We can see on Thursday there were large outflows from the likes of Fidelity, Bitwise and Ark so it will be interesting to see what happens by market close today.","Ethereum experienced notable inflows and outflows this week, with the price managing to hold between $3,000 despite big fluctuations. Early in the week, inflows from major players such as Blackrock and Fidelity pushed momentum higher, driving increased optimism in the market. However, later in the week, we saw substantial outflows from funds like Grayscale and Invesco, likely reflecting profit-taking activities as investors reacted to broader market conditions. The sentiment remains cautiously optimistic, but all eyes are on how Ethereum will close the week, especially after seeing funds adjusting their positions on Thursday.","Dogecoin (DOGE) saw an impressive rally this week, soaring by 83.9%, making it the top-performing cryptocurrency on the 7-day chart. The surge is largely attributed to the excitement and speculation surrounding Elon Musk's playful yet impactful move to introduce the “D.O.G.E.” – Department of Government Efficiency.","The humorous announcement stirred up significant attention and led to renewed enthusiasm among Dogecoin supporters. The market's response has been overwhelmingly positive, with traders and investors flocking to DOGE in anticipation of further lighthearted endorsements or potential applications related to this concept.","As always, Musk's influence on the meme cryptocurrency remains as potent as ever, driving up both interest and value but it should be noted that there are no official partnerships between Dogecoin and any government agencies.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-15-november-2024"},"/news-insights/welcoming-solana-sol-to-the-metal-pay-ecosystem":{"version":1,"title":"Welcoming Solana (SOL) to the Metal Pay Ecosystem — Metal Pay - Crypto, The Right Way.","description":"SOL is now avaialble for trading.","keywords":"","h1":["Welcoming Solana (SOL) to the Metal Pay Ecosystem"],"h2":[],"h3":["What Is Solana?","By the Numbers","Why Is Solana Different?","What This Means for Metal Pay Users","A Growing Ecosystem at Your Fingertips"],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 12, 2024","We’re excited to announce that Solana’s native token, SOL, is now available on Metal Pay! This integration brings one of the industry’s most innovative blockchain platforms directly to our users, empowering everyone to access a new level of speed, scalability, and ecosystem potential.","Solana is a high-performance blockchain designed to deliver blazing fast transaction speeds and ultra-low fees, without sacrificing security or decentralization. Since its launch in 2020, Solana has grown at an incredible pace—both in user adoption and developer activity. It’s built on a unique, proof-of-stake consensus combined with a novel proof-of-history mechanism. Together, these innovations enable Solana to process thousands of transactions per second, positioning it as one of the fastest blockchain networks in the market today.","Transaction Throughput: Solana can theoretically process over 50,000 transactions per second (TPS), significantly outpacing many other blockchains. This high throughput helps keep costs low and the network efficient.","Ecosystem Growth: The number of decentralized applications (dApps) deployed on Solana has skyrocketed, attracting developers and entrepreneurs looking to build DeFi protocols, NFT marketplaces, and Web3 infrastructure. Thousands of projects are now part of the Solana ecosystem.","Global Community: Solana’s user base is measured in the millions, reflecting a robust global community. This includes active traders, NFT collectors, yield farmers, and everyday users who value speed and affordability.","Market Position: As one of the top cryptocurrencies by market capitalization, SOL has solidified its position among the leading digital assets. Its rapid growth and strong backing from global investors and institutions underscore Solana’s role as a prominent player in the cryptocurrency space.","While many blockchains focus on security and decentralization, Solana stands out for delivering a comprehensive set of features. Its architecture is tailored for scale from day one. By combining proof-of-stake (where validators lock up their tokens to secure the network and earn rewards) with proof-of-history (a timestamping method that orders transactions efficiently), Solana provides a network that is both cryptographically secure and lightning fast.","This efficiency translates into tangible benefits: near-instant transactions and incredibly low fees. For end-users, that means moving funds quickly and reliably. For developers, it means building complex applications without worrying about network congestion or expensive transaction costs.","Integrating Solana’s SOL token aligns with our mission to provide a diverse, future-forward selection of digital assets to Metal Pay users. By listing SOL, we’re giving our community direct exposure to one of the most active and well-regarded ecosystems in crypto.","Enhanced Trading Options: Our users can now buy, sell, and hold SOL with just a few taps within the Metal Pay app, opening the door to new investment strategies and portfolio diversification.","Access to a Vibrant Ecosystem: Holding SOL can provide entry points into the Solana ecosystem, including decentralized exchanges, lending protocols, NFT marketplaces, and more—putting cutting-edge blockchain products at your fingertips.","Future Integrations: As the Solana network matures, we’ll keep an eye on emerging opportunities to further integrate Solana-based services into the Metal Pay platform. Our goal is to continually push the envelope, exploring ways to make your crypto experience faster, richer, and more accessible.","Listing SOL is just one milestone on our journey as we expand Metal Pay’s capabilities and offerings. By staying on the forefront of blockchain innovation, we aim to bring you the very best that the digital asset world has to offer. Solana’s presence in our lineup demonstrates our commitment to robust ecosystems and next-generation networks.","We’re thrilled to add SOL to the Metal Pay marketplace and can’t wait to see how you, our users, embrace this new opportunity. If you haven’t already, download the Metal Pay app and experience the future of finance—now with Solana on board.","Get Started with SOL on Metal Pay Today!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/welcoming-solana-sol-to-the-metal-pay-ecosystem"},"/news-insights/crypto-news-29-november-2024":{"version":1,"title":"Crypto News - 29 November 2024 — Metal Pay - Crypto, The Right Way.","description":"Altcoins Thrive Amid Market Optimism","keywords":"","h1":["Crypto News - 29 November 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 29, 2024","Bitcoin saw modest gains after a rollercoaster week coming off the peak of $99.6K at the end of last week and bottoming out at $91.2K just a couple of days ago. Now sitting at $98.2K could we see BTC cross the $100K mark by the end of the weekend? Unlike traditional markets, crypto does not sleep and trades 24/7 around the world so stay tuned!","Bitcoin ETFs are very much still run like traditional markets and do sleep, so any gains over the weekend will be done without the help of the flow of funds from large institutions. Bitcoin Flow data from Farside appears to be missing yesterday's numbers at the time of writing but the week started off with over wiping out last Friday's half billion worth of inflows on the BTC side. Without the data from Thursday it’s kind of hard to tell where things are heading.","Positive signs from Ethereum ETF flows this week show a significant reversal of the previous week's outflows from major funds like Fidelity and Grayscale. This shift in sentiment could be attributed to increasing confidence in Ethereum’s ecosystem, particularly its robust DeFi and Layer-2 scaling solutions. Innovations in Ethereum's ecosystem, such as new Layer-2 integrations and protocol upgrades, have bolstered optimism. Additionally, rising interest from institutional investors likely signal growing recognition of Ethereum’s foundational role in decentralized applications, NFTs, and blockchain infrastructure. These factors collectively highlight Ethereum’s potential as a long-term investment and utility platform.","This week, the altcoin market saw strong momentum as several projects within the ecosystem gained attention. Higher than usual trading volume on XPR/XMD could be the result of renewed interest in its unique blockchain infrastructure Loan Protocol continued its upward trajectory, with its focus on DeFi lending gaining traction among users. Metal DAO stood out with ongoing ecosystem developments on Metal L2, including partnerships with leading decentralized protocols. Ripple’s XRP benefited from growing confidence in its cross-border payment solutions, while Hedera gained significant attention due to enterprise adoption and speculation around new ETF applications. As altcoins solidify their roles in the broader crypto landscape, their diverse utilities continue to attract both investors and builders alike.","These coins and more are available for trading on Metal Pay & Metal X.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-29-november-2024"},"/news-insights/crypto-news-22-november-2024":{"version":1,"title":"Crypto News - 22 November 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin teases $100K","keywords":"","h1":["Crypto News - 22 November 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 22, 2024","Bitcoin surged to an all-time high of $99,700 this week, driven by unprecedented institutional interest and a record-breaking inflow of over $1 billion into Bitcoin ETFs on November 21. BlackRock’s IBIT fund led the charge with $608.4 million in daily inflows, showcasing growing confidence among institutional investors. The rally has been attributed to anticipation of a crypto-friendly regulatory framework under President-elect Donald Trump. While Bitcoin hasn't officially breached the $100K milestone, it remains within striking distance, holding steady near $99K.","Ethereum ETFs experienced sustained outflows this week, with Fidelity’s FETH seeing the largest single-day outflow of $46.7 million on November 19. The price of Ethereum peaked at $3,410, as shown on Metal X Trading, reflecting resilience despite bearish ETF activity. Investors continue to watch Ethereum’s DeFi and Layer 2 developments closely, which are expected to influence sentiment in the coming weeks.","Hedera (HBAR) led the market this week with an impressive 101.6% gain, fueled by speculation around the filing of an ETF application by Canary Capital. Meanwhile, Dogecoin (DOGE) remained in the green, climbing 11.7%, as Elon Musk’s ongoing endorsements kept the meme coin firmly in the spotlight.","Ready to Trade? Click Here to buy these cryptocurrencies and more with Metal Pay using your Debit or Credit Card.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-22-november-2024"},"/news-insights/crypto-news-27-december-2024":{"version":1,"title":"Crypto News - 27 December 2024 — Metal Pay - Crypto, The Right Way.","description":"Thank you to our customers","keywords":"","h1":["Crypto News - 27 December 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 27, 2024","As we close out 2024, we want to extend a heartfelt thank you to our Metal Pay users and community for being part of an incredible journey this year. Your support has been instrumental in helping Metal Pay grow and thrive alongside the evolving crypto markets. This year, we’ve seen tremendous engagement as we worked to bring you more ways to interact with digital assets, and we’re excited to continue expanding our coin selection and region availability in the coming year. Your trust and enthusiasm inspire us to innovate and make Metal Pay even better for everyone. Thank you for being a part of our story!","Bitcoin continues to hold its position as the leader in the crypto space, closing the year with a sharp focus on its transformative journey. The introduction of Bitcoin ETFs earlier this year has significantly bolstered institutional interest, with cumulative ETF flows surpassing $35 billion. This marked a pivotal shift from Bitcoin’s early days as a retail-driven asset to becoming a cornerstone for institutional portfolios. While recent market volatility saw Bitcoin pull back slightly, it’s still ending 2024 with over 100% gains, underscoring its growing appeal as both an investment and a hedge against economic uncertainty.","Ethereum remains a powerhouse in the crypto space, with its focus on decentralized finance (DeFi) and scalability driving adoption. This year saw the launch of Ethereum ETFs, further integrating it into institutional portfolios. Despite market fluctuations, Ethereum has continued to show resilience, driven by ongoing development in scaling solutions and a growing ecosystem of decentralized applications. As the year closes, Ethereum solidifies its place as the backbone of DeFi and an integral part of the crypto future.","2024 has been marked by significant regulatory movements worldwide. In the U.S., President-elect Donald Trump’s pro-crypto stance has sparked optimism, with plans for a national Bitcoin reserve and a more crypto-friendly environment on the horizon. In contrast, Europe’s upcoming MiCA regulation introduces stricter standards for crypto operations, signaling a divergence in global regulatory approaches. These developments highlight the growing importance of clear, robust frameworks for digital assets.","Looking ahead, several factors are poised to influence the cryptocurrency market in 2025. Trump's pro-crypto stance is a big one, including the possibility of a strategic Bitcoin reserve and crypto-friendly Senate nominations, which could significantly impact crypto markets. Additionally, interest rates will play a pivotal role, as monetary easing historically boosts Bitcoins market position, whereas rate hikes have the opposite effect. The Federal Reserve's recent rate cut signals fewer reductions next year, and Trump's proposed tariffs could lead to inflation, potentially keeping interest rates higher. This, combined with growing government debt, might spotlight Bitcoin as a \"digital gold\" amid economic uncertainty.  With this in mind we encourage our users to stay informed and exercise caution when navigating the dynamic cryptocurrency landscape.","We want to once again thank our incredible Metal Pay community for your continued support and enthusiasm. Your trust and engagement drive everything we do, and we’re excited to keep growing together in 2025.","Don’t forget, Metal Blockchain’s METAL token is available for trading fee-free on Metal Pay (excluding debit and credit card processing fees) from now until 2025.","Here’s to a bright future and another groundbreaking year in crypto—thank you for being part of the journey!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-27-december-2024"},"/news-insights/crypto-news-20-december-2024":{"version":1,"title":"Crypto News - 20 December 2024 — Metal Pay - Crypto, The Right Way.","description":"Markets tank after rate cut","keywords":"","h1":["Crypto News - 20 December 2024"],"h2":[],"h3":["The 12 Days of Christmas on Metal Pay!"],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 20, 2024","The markets experienced a sharp downturn following the Federal Reserve's decision to cut rates by 0.25%, paired with Chair Jerome Powell's comments on economic uncertainty and a revised rate projection. Despite aligning with expectations of two cuts in 2025, the Fed's tone about “higher for longer” rates and inflation sparked a reaction akin to panic selling. The S&P 500 dropped nearly 3%, the Dow hit a record 10-day losing streak, and the dollar strengthened, reducing interest in risk assets like crypto. Powell emphasized the unpredictable economic landscape, compounded by fiscal uncertainties, such as potential government shutdowns. While the Fed’s cautious adjustments aim to stabilize inflation, the markets reacted with heightened volatility, illustrating their messy and sometimes irrational nature when processing such news.","Federal Reserve Chair Jerome Powell has also stated that the Fed has no plans to hold Bitcoin, citing legal restrictions and no interest in pursuing legislative changes. He dismissed the idea of a U.S. Strategic Bitcoin Reserve, proposed by President-elect Trump, leaving such decisions to Congress. Powell’s comments likely added to the sell pressure causing Bitcoin’s value to dip, following recent gains tied to optimism around a pro-crypto administration.","Bitcoin ETF flows have been somewhat volatile over the past week, reflecting fluctuating market sentiment amid the broader economic uncertainty. Notably, Blackrock's IBIT fund saw significant inflows early in the week, peaking at $741.4M on Tuesday, before total flows turned negative by December 19, coinciding with an overall outflow of $671.9M across ETFs. Positive inflows from earlier in the week still outweigh the outflows from yesterday, today will be interesting.","Ethereum ETF flows experienced significant volatility this week, reflecting shifting market sentiment amid broader economic uncertainty. Early optimism gave way to notable outflows as investors reacted to the Fed's policy updates and reduced risk appetite. Despite this, Ethereum’s ecosystem remains resilient, with ongoing development in scaling solutions and decentralized applications.","This holiday season, we’re celebrating with 12 days of free trading on Metal Pay! Each day features a special token with no trading fees (excluding debit or credit card processing fees), spreading festive cheer and giving users a chance to explore the wider crypto ecosystem.","Today’s token is MTL, the cornerstone of the Metal ecosystem. For the next 24 hours, you can trade MTL with zero fees! As the native governance and utility token of the Metal DAO, MTL empowers users through network governance and seamless access to the best DeFi protocols.","In other exciting MTL news, Velodrome pools are now live on Metal L2, marking a significant milestone for the ecosystem. Velodrome, one of the largest decentralized exchanges (DEXs) on Optimism, brings its proven MetaDEX framework to Metal L2. This enables deep liquidity, seamless trading, and access to one of the world’s largest DEXs. The launch of Velodrome on Metal L2 enhances opportunities for users and protocols to engage in a thriving DeFi ecosystem. As part of this deployment, the Metal (MTL) DAO community voted to deploy over 1m MTL in incentives for those that want to help provide liquidity and contribute to Metal’s growing presence in the wider DeFi ecosystem. Stay tuned to learn more about how you can take advantage of these liquidity incentives.","Celebrate the holidays with free trading on Metal Pay* and explore the growing possibilities on Metal L2 with Velodrome’s launch!","Start Trading* excluding debit & credit card fees","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-20-december-2024"},"/news-insights/crypto-news-13-december-2024":{"version":1,"title":"Crypto News - 13 December 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin's Institutional Endorsement","keywords":"","h1":["Crypto News - 13 December 2024"],"h2":[],"h3":["Solana (SOL) Now Available on Metal Pay!"],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 13, 2024","BlackRock, the world's largest asset manager, made waves this week by advising investors to consider allocating up to 2% of their portfolios to Bitcoin. This recommendation is based on Bitcoin's historically low correlation with traditional asset classes like stocks and bonds, making it a valuable tool for diversification in a well-balanced portfolio. BlackRock emphasized Bitcoin's potential as a hedge against inflation and geopolitical uncertainties, aligning with its growing acceptance as \"digital gold.\"","However, the firm also cautioned about Bitcoin's notorious price volatility, urging investors to approach with caution, maintain a long-term perspective, and regularly review their positions to mitigate risks. This endorsement by BlackRock further solidifies Bitcoin's position as a legitimate and increasingly mainstream investment asset, reflecting its evolving role in institutional portfolios.","This sentiment was mirrored in the strong Bitcoin ETF flows this week, with significant activity led by BlackRock’s IBIT fund, which dominated inflows. Overall, Bitcoin ETFs saw robust totals as institutional interest remained steady, underscoring the growing confidence in Bitcoin’s role in diversified investment strategies.","Ethereum ETFs saw net inflows of $831.2 million so far this week, reflecting strong institutional confidence in Ethereum's ecosystem. BlackRock’s ETHA fund played a pivotal role, contributing significantly to the week’s totals with robust activity, particularly on December 12th.","This rise in ETF flows underscores Ethereum’s enduring appeal as the leading platform for decentralized finance (DeFi) and non-fungible tokens (NFTs). With its ongoing focus on scalability through Layer-2 rollups and growing adoption across diverse sectors, Ethereum continues to solidify its position as a cornerstone in the digital asset market.","Ripple’s XRP saw continued growth this week, with a 5.2% increase, driven by optimism surrounding its expanding role in cross-border payment solutions and ongoing developments in its ecosystem. Recent partnerships and advancements in regulatory clarity have reinforced XRP’s appeal among institutions and retail investors alike.","Alongside XRP’s performance, Metal Blockchain led gains with an 11.2% rise, followed by Hedera and XPR Network, which increased by 9.8% and 9.6% respectively. Bitcoin maintained its upward trajectory with a 1.3% increase, reflecting steady interest across the broader market.","We’re thrilled to announce that Solana (SOL) is now available for trading on Metal Pay! Known for its lightning-fast transactions and low fees, Solana has gained immense popularity, especially among younger crypto enthusiasts and the vibrant memecoin community. With full support for Solana Mainnet users can withdraw their assets directly to Solana blockchain, so whether you're looking to explore its expansive ecosystem or add SOL to your portfolio, Metal Pay makes trading it simple and seamless.","Click here to start trading SOL on Metal Pay.","As the holiday season approaches, the crypto community is gearing up for celebrations, and Metal Pay is kicking things off with the 12 Days of Christmas! Starting today, enjoy 12 days of free trading on Metal Pay, with each day featuring a special token available for free trading.","It’s the perfect time to explore new tokens or stack up on your favorites without fees. Stay tuned for today’s featured free-trading token—we’ll notify you via email, push notifications, and posts on our social media channels.","Let the festive trading begin!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-13-december-2024"},"/news-insights/crypto-news-6-december-2024":{"version":1,"title":"Crypto News - 6 December 2024 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin hits $100K for the first time","keywords":"","h1":["Crypto News - 6 December 2024"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 6, 2024","Bitcoin achieved an historic high this week exceeding the USD $100K mark for the first time ever. This surge is largely attributed to President-elect Donald Trump’s favorable stance on cryptocurrencies including plans to appoint pro-crypto figures like Paul Atkins as SEC Chair. Atkins has been involved in cryptocurrency policy as co-chair of the Token Alliance, an industry-led initiative developing best practices for digital asset issuances and trading platforms. His nomination suggests a potential shift towards more industry-friendly and innovation-promoting policies at the SEC, particularly concerning digital assets.","President-elect Donald Trump has also appointed David Sacks, a former COO of PayPal and an advocate for blockchain innovation, as the first-ever \"White House AI and Crypto Czar.\" This move signals a strong push towards integrating cryptocurrency and artificial intelligence into the national economic and technological agenda. Sacks, known for his deep understanding of fintech and decentralized systems, is expected to shape policies that foster innovation while addressing regulatory challenges. His appointment has been met with optimism from the crypto community, as it could pave the way for clearer regulatory frameworks and greater mainstream adoption of digital assets.","Bitcoin ETF flows this week showcased strong institutional interest, with significant inflows led by BlackRock’s IBIT and steady contributions from Fidelity and VanEck. While midweek outflows from Ark Invest and Valkyrie indicated some profit-taking, the late-week momentum reaffirmed confidence in Bitcoin’s long-term potential. These flows highlight Bitcoin's growing appeal as a key institutional asset amidst dynamic market conditions.","Ethereum ETF flows showed a strong recovery this week, highlighted by a surge on December 5th with $292.7M inflows led by BlackRock’s ETHA and $113.6M from Fidelity’s FETH. Despite some outflows earlier in the week, particularly from Grayscale’s funds, the total weekly inflow momentum suggests growing institutional confidence in Ethereum’s ecosystem. The shift reflects optimism around Ethereum’s scalability and DeFi adoption as key drivers for long-term growth.","Hedera leads the pack in our tracked portfolio, which saw an increase of 83.7% on the 7day followed by Metal Blockchain at 54.1%, Ripple XRP at 40.4%, buoyed by growing adoption in cross-border payments and positive sentiment around its legal clarity. Litecoin rose by 33.3% as it gained traction as a reliable peer-to-peer payment asset, while Ethereum, up 11.7%, benefited from renewed institutional interest and ecosystem growth.","These digital assets and more available for trading on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-6-december-2024"},"/news-insights/crypto-news-10-january-2025":{"version":1,"title":"Crypto News - 10 January 2025 — Metal Pay - Crypto, The Right Way.","description":"Government set to sell 69,370 bitcoin, Velodrome Launches on Metal L2, and Market Highlights","keywords":"","h1":["Crypto News - 10 January 2025"],"h2":[],"h3":["Velodrome Pools Now Live on Metal L2"],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 10, 2025","Bitcoin fell 2% this week, trading around $93,500 as market sentiment wavered amid heightened U.S. Treasury yields and signals from the Federal Reserve of a more cautious approach to monetary easing. Analysts have pointed to key support levels at $92,000, with resistance still hovering near the psychological $100,000 mark. While the decline is notable, optimism for the year ahead remains strong, with some experts projecting Bitcoin could surpass $200,000 before the year ends.","In early January, Bitcoin ETFs experienced significant outflows, reflecting caution among institutional investors. BlackRock's iShares Bitcoin Trust recorded a major withdrawal of over $332 million on January 1, marking its largest single-day outflow to date. Despite these early outflows, Bitcoin ETFs have remained a key vehicle for institutional interest. Analysts remain optimistic that Bitcoin ETF flows in 2025 could surpass last year’s totals, driven by factors like the upcoming Bitcoin halving and potential regulatory clarity under the new U.S. administration.","Ethereum ETFs also faced notable outflows in the first week of January. Major providers such as BlackRock and Fidelity reported net losses in their Ethereum-focused funds, reflecting reduced activity from institutional players. However, Ethereum’s role in the growing DeFi ecosystem and its continued utility in decentralized applications are expected to attract renewed interest as the year progresses. Analysts predict that Ethereum ETF flows could recover alongside broader market sentiment and innovation in its ecosystem.","In other news, the U.S. Department of Justice has announced plans to liquidate over 69,370 Bitcoin seized from the Silk Road marketplace, valued at approximately $6.5 billion. This marks one of the largest Bitcoin sales by the U.S. government to date and could introduce significant volatility into the market. Analysts are closely watching the impact of this liquidation, which underscores the ongoing intersection of cryptocurrency with law enforcement and government policy.","The U.S. Consumer Financial Protection Bureau proposed new regulations this week to enhance consumer protections for digital wallets, aligning them with traditional bank account standards. Meanwhile, the outgoing CFTC Chair highlighted the risks of the largely unregulated $3 trillion crypto market, calling for more robust oversight.","As we move further into 2025, all eyes remain on emerging trends, regulatory changes, and key market drivers. Stay tuned for more updates as we continue to bring you the latest developments shaping the cryptocurrency world!","Please note, this next section is for intermediate to advanced users and does not constitute financial advice. Always conduct your own research and assess the risks before participating in DeFi.","Velodrome, one of the leading decentralized exchanges on Optimism, has officially launched on Metal L2, offering fast, low-cost trading and liquidity opportunities to users in the Metal ecosystem. Velodrome combines automated market maker (AMM) pools with governance incentives, making it a versatile and rewarding platform for traders and liquidity providers alike.","The initial focus is on the vAMM-WETH/MTL pool, a pair that provides an accessible starting point for users interested in exploring liquidity provision. By contributing tokens like WETH and MTL to this pool, participants earn fees as trades occur, or can stake their liquidity to earn XVELO over time. These rewards can be further enhanced by leveraging Velodrome’s governance system to direct additional incentives toward specific pools, including WETH/MTL.","Users can bridge their xVELO to Optimism and convert it into VELO, Velodrome's utility token. VELO holders can lock their tokens to gain veVELO, granting governance rights and the ability to vote on token emissions for specific pools. Voting for the vAMM-WETH/MTL pool not only boosts rewards for liquidity providers but also opens the door to earning additional incentives, including MTL incentives offered by Metal DAO to encourage governance participation.","The process is straightforward:","Provide Liquidity: Deposit WETH and MTL into the vAMM-WETH/MTL pool on Metal L2 to receive LP tokens representing your share of the pool.","Stake LP Tokens: Stake your LP tokens on the Velodrome Dashboard to begin earning xVELO rewards over time.","Bridge and Lock VELO: Bridge your xVELO to Optimism to convert it into VELO. Lock VELO to obtain veVELO for governance voting.","Vote and Claim Rewards: Use veVELO to vote for the vAMM-WETH/MTL pool, boosting its rewards. Once weekly incentives are distributed, claim your earned MTL and other rewards.","With Velodrome now live on Metal L2, the Metal ecosystem takes a significant step forward in attracting liquidity, enhancing DeFi participation, and empowering users with governance tools. Remember to manage risk wisely, maintain sufficient ETH on Metal L2 and Optimism for transaction fees, and stay updated through official Metal L2 and Velodrome channels for the latest developments.","A more detailed guide is on it's way for those that want to explore the wider world of DeFi on Velodrome and other dApps outside of the Metallicus ecosystem.","Note: This is not financial advice. Always conduct your own research and assess the risks before participating in DeFi.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-10-january-2025"},"/news-insights/crypto-news-3-january-2025":{"version":1,"title":"Crypto News - 3 January 2025 — Metal Pay - Crypto, The Right Way.","description":"Welcome to 2025: A Year of Possibilities in Crypto","keywords":"","h1":["Crypto News - 3 January 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 3, 2025","Happy New Year to all our Metal Pay users and the broader crypto community! As we step into 2025, we’re filled with excitement and anticipation for the opportunities that lie ahead. While the year is just beginning and the news cycle is still warming up, this is the perfect time to reflect on the incredible progress the crypto world has made and to set our sights on what’s to come.","This year, we’ll continue our mission to bring seamless, secure, and innovative financial tools to users worldwide. With plans to expand Metal Pay’s coin selection, increase regional availability, and deepen our commitment to decentralization through Metal DAO and Metal L2, 2025 is shaping up to be a landmark year.","In the coming weeks, we’ll be sharing updates, insights, and opportunities to help you make the most of the evolving crypto landscape. From exploring emerging trends to enhancing your experience on Metal Pay, we’re here to ensure that this year is your best yet in the world of digital assets.","Things have been pretty quiet on the crypto news front as many are still on holiday or recovering from New Year celebrations. However, looking at the 7 day snapshot Dogecoin, Solana, Hedera and Ripple are all into the double digit gains this week.","Don’t forget we recently added Solana SOL and Cardano ADA to Metal Pay as new coins for trading with both coins fully supporting deposits and withdrawals. Stay tuned for more updates, and here’s to a successful and groundbreaking 2025! If there’s anything specific you’d like to see from us this year, we’d love to hear from you. Let’s make 2025 unforgettable!","What else would you like us to focus on or share as the year unfolds?","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-3-january-2025"},"/news-insights/crypto-news-7-february-2025":{"version":1,"title":"Crypto News - 7 February 2025 — Metal Pay - Crypto, The Right Way.","description":"Historic Liquidation Event Followed by Market Rebound","keywords":"","h1":["Crypto News - 7 February 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Feb 7, 2025","On February 2, the cryptocurrency market experienced an unprecedented liquidation event, with over $2.2 billion wiped out in 24 hours, affecting more than 700,000 traders. This surpassed previous records set during the FTX collapse and the COVID-19 crash. The massive sell-off was triggered by President Donald Trump's announcement of new tariffs: 25% on imports from Mexico and Canada, and 10% on goods from China, effective February 4. These measures heightened fears of a global trade war and potential inflation, leading investors to retreat from riskier assets, including cryptocurrencies.","Following the sharp decline, the market staged a notable recovery. Bitcoin (BTC) rebounded by approximately 7.14%, climbing back to around $101,000, while Ethereum (ETH) saw an even stronger resurgence, increasing by 12% to $2,809. Altcoins also participated in the recovery, with XRP soaring 23.34%. This rebound was partly attributed to a temporary delay in the implementation of the announced tariffs, providing a brief respite and easing trade war fears. However, despite the recovery, most assets remain down on the week, reflecting the lingering uncertainty in the market.","Bitcoin ETF flows saw volatility this week, with January 31 bringing in $318.6 million in net inflows, led by BlackRock’s IBIT at $363.8 million. However, February 3 reversed course with $234.4 million in outflows, driven by Fidelity (-$177.6 million) and Ark Invest (-$50.7 million). The trend briefly turned positive on February 4, as $340.7 million flowed back into ETFs, before cooling off with February 6 showing $140.2 million in outflows, mainly from Fidelity (-$103.2 million) and Grayscale (-$42.2 million).","Ethereum ETFs had a strong week, recording consistent inflows across all tracked days. January 31 saw $27.8 million, which surged to $83.6 million on February 3, thanks to Fidelity's FETH ($49.7 million). The biggest inflow came on February 4, when $307.8 million was added, led by ETHA at $276.2 million. February 6 continued the trend with $10.7 million in inflows, marking an uninterrupted streak of capital entering ETH-based funds.","In the aftermath of the market turbulence, Dogecoin (DOGE) was among the hardest hit, declining by 25.8% over the past week. Conversely, Loan Protocol (LOAN) managed a slight gain of 0.5%, while XPR Network (XPR) contained its losses relative to the broader market downturn. Litecoin (LTC) and Solana (SOL) also faced declines, underscoring the week's overall bearish sentiment.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-7-february-2025"},"/news-insights/crypto-news-17-january-2025":{"version":1,"title":"Crypto News - 17 January 2025 — Metal Pay - Crypto, The Right Way.","description":"Trump Administration Ushers in New Era for Cryptocurrency","keywords":"","h1":["Crypto News - 17 January 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 17, 2025","As President Donald Trump prepares to take office, the cryptocurrency community anticipates a more favorable regulatory environment. Key appointments, including David Sacks as White House AI and Crypto Czar and Paul Atkins to lead the SEC, signal a potential shift towards pro-crypto policies. Plans to establish a U.S. Bitcoin strategic reserve and end debanking practices are among the initiatives expected to boost the industry.","Bitcoin ETFs experienced notable fluctuations, with massive outflows early in the week followed by a strong rebound. The week started with significant redemptions, over $490m worth of outflows across the first two days in fact. However, inflows surged in the latter half of the week, with $755.1 million in net positive flows on January 15 and $626.1 million on January 16, suggesting renewed confidence among institutional investors. The resurgence in demand highlights Bitcoin’s continued appeal as an institutional-grade asset.","Ethereum ETFs also faced a mixed week of flows, starting with outflows on January 13. Grayscale’s ETHE led the losses, with a $37.8 million outflow on January 13, contributing to downward price pressure. However, inflows began to recover midweek, with $166.6 million in net inflows on January 16, showing that institutional investors are starting to regain confidence in Ethereum’s long-term value proposition. With key integrations and ecosystem developments ahead, ETH remains a strong contender in the evolving crypto landscape.","Coinbase Introduces Bitcoin-Backed Loans","In other news Coinbase has launched a new service allowing users to secure loans against their Bitcoin holdings. Borrowers can access up to $100,000 in USD Coin (USDC) without a credit check, using their Bitcoin as collateral. This offering provides liquidity without requiring users to sell their assets, though fluctuations in Bitcoin's price may affect collateral value.","The decentralized LOAN Protocol at lending.metalx.com has offered users the ability to borrow $100,000 or more since 2021, using a variety of assets as collateral, including Bitcoin, Litecoin, Ripple XRP, Dogecoin, and more.","Legal Actions Target Crypto Platforms","A class-action lawsuit has been filed against Pump.Fun, a platform for launching and trading meme-inspired cryptocurrencies on the Solana blockchain. The suit alleges that Pump.Fun operated as an unregistered securities issuer and misled investors, facilitating \"pump-and-dump\" schemes. This legal action highlights the ongoing debate over the regulation of cryptocurrencies as securities.","Jamie Dimon Criticizes Bitcoin's Use in Illicit Activities","JPMorgan Chase CEO Jamie Dimon has reiterated his skepticism towards Bitcoin, stating that it is the preferred currency for \"sex traffickers, money launderers, [and] ransomware\" perpetrators. While acknowledging the legitimacy of blockchain technology and stablecoins, Dimon expressed concerns over Bitcoin's lack of intrinsic value and its association with criminal activities.","Market Forecasts and Trends for 2025","Analysts predict significant developments in the cryptocurrency market for 2025. The approval of Bitcoin and Ethereum spot ETFs in 2024 has paved the way for smaller-cap cryptocurrencies to gain traction as investment-grade assets. Additionally, the integration of digital assets into traditional investment portfolios is expected to continue, reflecting the growing acceptance of cryptocurrencies in mainstream finance.","Bitcoin Recovery Efforts Dismissed","In a notable legal development, a UK judge has dismissed the claim of James Howells, who sought to recover a hard drive containing approximately £600 million worth of Bitcoin from a Newport landfill. The court ruled that Howells' claim had \"no realistic prospect of succeeding,\" bringing an end to his long-standing efforts to retrieve the lost cryptocurrency.","Biggest Gainers of the Week","This week saw impressive gains across multiple altcoins, with XRP leading the pack, surging 41.8% over the past seven days. Following closely behind, Hedera (HBAR) climbed 35.8%. Litecoin (LTC) also posted strong gains, rising 30.3%, as network activity picked up ahead of potential regulatory developments and increased adoption. Dogecoin (DOGE) continues its upward trend, gaining 26.4%, likely fueled by the ongoing memecoin resurgence and speculation around potential integrations with major platforms. Meanwhile, Solana (SOL) added 17.8%.","With momentum building across multiple sectors of the crypto space, it's an exciting time to stay engaged in the market. Remember, you can buy crypto instantly using your debit or credit card on Metal Pay, making it easier than ever to participate in the action!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-17-january-2025"},"/news-insights/crypto-news-31-january-2025":{"version":1,"title":"Crypto News - 31 January 2025 — Metal Pay - Crypto, The Right Way.","description":"14 U.S. States want to create Bitcoin reserves","keywords":"","h1":["Crypto News - 31 January 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 31, 2025","Following last week’s executive order establishing a cryptocurrency working group, momentum is growing at the state level. At least 14 U.S. states have introduced legislation to create state-backed Bitcoin reserves, with some proposing to allocate public funds toward BTC holdings.","The proposed laws reflect growing acceptance of Bitcoin as a financial asset, with proponents arguing that BTC could serve as a hedge against inflation and a strategic reserve asset. However, critics warn of the risks associated with Bitcoin’s volatility and the challenges of managing state-controlled digital assets.","Meanwhile, President Trump’s working group on digital assets, led by Special Advisor David Sacks, has begun its initial assessments. While the group’s recommendations are still forthcoming, industry insiders are closely watching how this policy shift could impact Bitcoin ETFs, stablecoin regulations, and federal digital asset reserves.","Bitcoin ETF flows showed significant fluctuations this week, with January 27 recording $457.6 million in net outflows, primarily driven by Grayscale’s GBTC losing $108.5 million alongside redemptions from Fidelity and Ark Invest. However, by January 30, inflows rebounded to $588.1 million, with BlackRock’s IBIT and Fidelity’s FBTC leading the way in accumulation. These movements reflect shifting investor sentiment as Bitcoin ETFs continue to shape the market landscape.","Ethereum ETF flows remained uneven, with January 27 seeing $136.2 million in outflows, led by Grayscale’s ETHE losing $84.2 million. While minor inflows were recorded on January 29 and 30, they did not fully offset earlier losses. Institutional demand for ETH ETFs appears to be fluctuating, with varying inflows across different providers. The market continues to monitor ETF activity as a key factor influencing Ethereum's positioning in the broader crypto space.","This week, LOAN Protocol (LOAN) led the gains among available tokens on Metal Pay, seeing a strong surge as interest in decentralized lending continues. XPR Network (XPR) followed with steady growth, while Metal Blockchain (METAL) and Litecoin (LTC) also posted solid increases. Metal DAO (MTL) saw a more modest uptick, rounding out the list of weekly gainers.","Czech Central Bank Considers Bitcoin Investment","Aleš Michl, the governor of the Czech National Bank, plans to propose investing a portion of the country's reserves into bitcoin to diversify assets. If approved, up to 5% of the bank's €140 billion reserves could be allocated to bitcoin. Michl acknowledges the cryptocurrency's volatility but believes that diversification through bitcoin could be beneficial for portfolio balance.","UK Government Contemplates Selling Seized Bitcoin","The UK government is considering selling £5.2 billion worth of bitcoin seized from organized criminals to address a £22 billion deficit in public finances. Former Chancellor Lord Lamont has urged swift action to sell the assets, emphasizing the potential financial benefits and the importance of not legitimizing cryptocurrency.","Grayscale Launches Dogecoin-Focused Fund","Grayscale Investments has announced the launch of an investment fund centered on dogecoin, reflecting the growing adoption of altcoins. This move aims to provide investors with exposure to the popular meme-based cryptocurrency through a structured fund.","Over $10 Billion in Bitcoin and Ethereum Options Expire","Today, over $10 billion worth of Bitcoin and Ethereum options expired amid mixed market sentiment. This significant expiration could lead to increased volatility in the crypto markets as traders adjust their positions.","Excite Credit Union Joins Metal Blockchain’s Banking Innovation Program","Excite Credit Union is the latest credit union to enroll in Metal Blockchains Banking Innovation Program. The program, developed by Metallicus, provides credit unions and banks with blockchain-based solutions for faster transactions, lower costs, and improved compliance. Through The Digital Banking Network (TDBN), Excite Credit Union will gain access to tools like stablecoins, digital identity management, and private subnets, aiming to enhance financial services while maintaining regulatory standards. This move highlights a growing trend of traditional institutions adopting blockchain to stay competitive in an evolving financial landscape.","Stay tuned for next week’s update, and as always, Metal Pay makes it easy to buy, sell, and trade crypto instantly. See you next time!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-31-january-2025"},"/news-insights/crypto-news-24-january-2025":{"version":1,"title":"Crypto News - 24 January 2025 — Metal Pay - Crypto, The Right Way.","description":"Trump Administration Establishes Cryptocurrency Working Group","keywords":"","h1":["Crypto News - 24 January 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 24, 2025","Crypto News - 24 January 2025 - Trump Administration Establishes Cryptocurrency Working Group","In a significant move for the cryptocurrency industry, President Donald Trump has signed an executive order creating a dedicated working group to develop new regulations for digital assets and explore the establishment of a national cryptocurrency reserve. This initiative aims to rapidly reform U.S. crypto policy, marking a departure from the previous administration's stringent stance. The working group will include senior officials from various agencies and will focus on creating a regulatory framework for digital assets, including stablecoins. Additionally, the group will consider forming a reserve using legally seized cryptocurrencies. David Sacks has been appointed as the Special Advisor for AI and Crypto and will chair this working group.","Bitcoin Market Update","Bitcoin had a volatile week, trading between $103,000 and $108,000, as markets reacted to shifts in ETF flows and evolving U.S. policy discussions on digital assets. While BTC saw strong demand earlier in the week, breaking past the $105K mark, it later retraced as macroeconomic concerns and minor ETF outflows pressured the price.","Bitcoin ETF flows showed mixed sentiment, with January 21 recording over $802.6 million in net inflows, led by BlackRock’s IBIT and smaller contributions from Ark and Fidelity. However, January 23 saw weaker demand, with Grayscale’s GBTC losing $49.9 million, contributing to Bitcoin’s temporary pullback. The varying inflows highlight the ongoing shift in institutional positioning, with some funds still seeing redemptions while others accumulate aggressively.","Looking ahead, traders are watching for regulatory updates and institutional sentiment shifts, as Bitcoin’s ability to sustain gains above $100K will likely depend on continued ETF demand and broader macroeconomic trends.","Ethereum Market Update","Ethereum traded in the $3,250 - $3,450 range this week, following Bitcoin’s price action but with slightly less volatility. Institutional accumulation appears to be gaining momentum, with increasing discussions around Ethereum’s potential for being included in a U.S. strategic crypto reserve and its role in DeFi and staking growth.","Ethereum ETFs had a relatively muted week, with January 21 and 22 seeing moderate inflows from Fidelity and BlackRock. However, January 23 showed slight outflows, with Grayscale’s ETHE shedding $22.3 million, briefly weighing on ETH’s price. Still, analysts believe Ethereum remains well-positioned for future inflows as investors look to diversify beyond Bitcoin.","With upcoming network upgrades and continued institutional discussions surrounding Ethereum ETFs, ETH is expected to remain a key asset to watch as 2025 progresses.","Biggest Movers of the Week","This week saw XPR Network (XPR) take the lead, surging 163.2% in the last seven days, making it one of the biggest 7 day gainers since we've been writing this newsletter. The rally was likely driven by increasing adoption and speculation surrounding upcoming ecosystem developments.","Other notable gainers include LOAN Protocol (LOAN) climbing more than 48% as interest in decentralized lending platforms continues to grow. With DeFi gaining traction again, smaller lending projects are seeing renewed investor confidence.","Metal Blockchain (METAL) and Solana (SOL) both saw double digit growth while the rest of the market appeared to stall this week, with financial analysts advising caution as the cryptocurrency market reacts to recent political developments. While the establishment of the crypto working group is seen as a positive step, the lack of immediate action on certain promises, such as the creation of a national Bitcoin reserve, has led to market fluctuations. Investors are encouraged to stay informed and exercise prudence amidst the evolving regulatory landscape.","These coins and more are available for trading on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-24-january-2025"},"/news-insights/crypto-news-21-february-2025":{"version":1,"title":"Crypto News - 21 February 2025 — Metal Pay - Crypto, The Right Way.","description":"Massive rug pull and crypto hack rocks markets this week","keywords":"","h1":["Crypto News - 21 February 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Feb 21, 2025","The crypto industry was rocked this morning by a major security breach at Bybit, one of the world’s leading exchanges. Hackers drained over $1.4 billion in ETH and related tokens. Bybit CEO Ben Zhou posted on X that a hacker “took control of the specific cold wallet and transferred all the ETH in the cold wallet to this unidentified address.” https://x.com/benbybit/status/1892963530422505586 - The hack is the largest crypto hack of all time in dollar terms.","The crypto world is still reeling from the $LIBRA meme coin debacle this week, a scandal tying Argentine President Javier Milei to American developer Hayden Davis. Initially hyped by Milei on social media, $LIBRA skyrocketed before crashing spectacularly, wiping out billions in market value. Investors, including high-profile figures like Dave Portnoy, labeled it “the biggest rug pull of all time,” with losses steep and widespread. A federal judge in Argentina has launched a fraud probe into Milei’s involvement, while lawmakers push for impeachment, alleging he and Davis orchestrated the scheme. Davis allegedly extracted $100 million from the event. Coffezilla has excellent coverage including an interview with Davis here on youtube.","In a bold move, Elon Musk suggested placing the U.S. Treasury on a blockchain to ensure “full spending transparency.” Floated on X this week, the idea aims to leverage blockchain’s immutable ledger to track government spending in real-time, potentially curbing mismanagement and boosting public trust. While some say it’s revolutionary, skeptics question its feasibility amid regulatory and technical hurdles. Elon Musk’s proposal aligns with the Trump administration’s pro-crypto leanings, sparking debate about whether this could pave the way for a national digital asset framework. https://x.com/Cointelegraph/status/1887237508884275477","Bitcoin (BTC) flirted with the $100,000 mark this week, peaking this morning before taking a massive hit due to the Bybit hack I mentioned earlier. ETF Outflows were significant, driven by almost all the major ETF’s shedding assets this week. The seesaw in ETF flow suggests investors are recalibrating amid macroeconomic pressures and optimism around policy shifts. Based on the farside data we see outflows ramped up yesterday and could continue today (Feb 21st) with the market obviously reacting negatively to the massive $1.4b Bybit hack.","Ethereum (ETH) faced a tough week as well and it may get a whole lot tougher after the Bybit hack really amplified selling pressure. Ethereum ETFs hardly any outflows earlier in the week. Fidelity’s ETH ETF saw outflows on February 20, while Grayscale’s ETHE also contributed to the negative flow. ETH’s DeFi dominance and potential role in a U.S. strategic reserve remain bullish long-term drivers, but this week’s dramas weighed heavily on sentiment. The data shows no activity on February 17 due to public holiday in the U.S.","Metal Blockchain METAL, announced in a press release this week, that Bay Federal Credit Union enrolled in its Banking Innovation Program. Announced via metalblockchain.org, this partnership equips the credit union with access to blockchain tools like stablecoins, digital identity management, and private subnets for faster, cheaper, and compliant transactions. Following Excite Credit Union’s lead, Bay Federal’s move highlights traditional finance’s growing embrace of Metal’s solutions. This expansion strengthens Metal Blockchain’s position as a leader in bridging banking and crypto, with more institutions likely to follow in 2025.","Are you a LOAN holder? The LOAN Protocol community is buzzing with active proposals right now that need your input! Voting power hinges on staked or held $LOAN on XPR Network - lock it for four years, and you get 4x the voting power. Two key proposals are live: one to update the rewards rate (vote here) and another to add Litecoin and Ripple XRP to the rewards schedule (vote here). With decentralized lending gaining traction, your $LOAN stake shapes this protocol’s future, get involved!","Metal DAO (MTL) holders may be interested in Velodrome’s integration on Metal L2 which is currently using MTL incentives to encourage participation on the decentralized exchange. Users can provide liquidity to pools like vAMM-WETH/MTL on Metal L2 chain, earning a percentage of fees. If you stake the LP you can earn xVELO tokens that you can then bridge xVELO to VELO on Optimism chain, and lock it for veVELO to vote on pool incentives. Voting on pools on Metal L2 may reward you with MTL tokens depending on the amount of incentives have been allocated to each pool.","If you are going to get involved remember to read the \"Introduction to Velodrome on Metal L2\" quick start guide here and do your research before getting started. You must vote once every week and up to 10’000 MTL is sent out as incentives for traders. This week, the vAMM-WETH/MTL pool saw steady activity, making it a low-risk entry for liquidity providers. Velodrome’s governance perks and Metal L2’s efficiency are a fantastic low cost entry to DeFi in the Ethereum world.","This week Paul Grey dropped a video on youtube that compares the technology behind the blockchain; comparing XPR Network vs. Ripple XRP vs. Ethereum. The youtube video breaks down each blockchain’s tech specs, advantages, use cases, unique features and more. Check out this video and more here on youtube or use the vimeo link for translated titles.","With news of the Bybit hack this morning there was a shock reversal of the upwards trend looking at the 7 day snapshot for top gainers (or least affected) this week. XPR Network bucking the trend slightly, standing out as the only asset in the green.","Remember you can trade these coins and more on Metal Pay here.","Need to do your crypto taxes this year? Coinledger.io is the #1 Crypto Tax Software that helps you save time and maximize your refund. Contact support to get your CSV and use the referral code METAL for a 10% discount on a paid plan.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-21-february-2025"},"/news-insights/crypto-news-14-february-2025":{"version":1,"title":"Crypto News - 14 February 2025 — Metal Pay - Crypto, The Right Way.","description":"Major US Bank exploring crypto custody services?","keywords":"","h1":["Crypto News - 14 February 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Feb 14, 2025","This week, the cryptocurrency market navigated a complex landscape shaped by significant economic announcements. On February 10, President Donald Trump declared a 25% tariff on all steel and aluminum imports, effective March 12, removing previous exemptions. He also introduced a \"reciprocal tariff\" policy, stating, \"If they charge us, we charge them,\" targeting countries with higher tariffs on U.S. goods. These moves aim to address trade imbalances but have raised concerns about potential trade wars and their impact on global markets.","In parallel, Federal Reserve Chair Jerome Powell testified before Congress, emphasizing that recent inflation data indicates the Fed has \"more work to do\" to achieve its targets. The Consumer Price Index (CPI) revealed a 0.5% increase in January, the most significant rise in nearly 18 months, driven by higher costs in shelter, food, and gasoline. Powell suggested that interest rates may remain elevated longer than previously anticipated to curb inflation.","Bitcoin ETFs experienced notable activity this week. On February 12, there were $251 million in net outflows, primarily from Fidelity’s FBTC and Ark Invest’s ARKB funds. However, by February 13, the trend reversed with modest inflows, indicating a potential stabilization as investors reassessed their positions amid the evolving economic landscape.","Ethereum ETFs faced mixed demand during the same period. The February 12 session saw $40.9 million in outflows, led by Grayscale’s ETHE and Fidelity’s FETH. Unlike Bitcoin, Ethereum did not experience a significant rebound in ETF flows the following day, suggesting a more cautious stance from investors regarding ETH-based assets.","In a notable development, Citibank is reportedly exploring the launch of cryptocurrency custody services. This move aligns with a growing trend among traditional financial institutions recognizing the increasing demand for secure digital asset storage solutions. Citibank's potential entry into the crypto custody space could provide a significant boost to institutional adoption, offering clients trusted avenues to engage with digital assets.","Despite a turbulent market, a handful of assets posted positive returns over the past seven days. Litecoin (LTC) led the gains, climbing 18.7%, continuing its strong performance following increased network activity and adoption. XRP followed with a 7.2% increase, as investor sentiment remained positive amid ongoing discussions around regulatory clarity. Metal Blockchain (METAL) saw a 5.8% rise, reflecting renewed interest in blockchain solutions tailored for banking and financial institutions. Dogecoin (DOGE) posted a 3.7% increase, showing resilience in an otherwise volatile week. Lastly, Metal DAO (MTL) closed out the top five with a 1.6% gain. While these assets outperformed the broader market, sentiment remains cautious as macroeconomic factors continue to influence trading conditions.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-14-february-2025"},"/news-insights/crypto-news-14-march-2025":{"version":1,"title":"Crypto News - 14 March 2025 — Metal Pay - Crypto, The Right Way.","description":"U.S. Senate Advances Landmark Crypto Legislation","keywords":"","h1":["Crypto News - 14 March 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 14, 2025","The cryptocurrency industry is on the verge of a major legislative victory as the Senate Banking Committee (US) passed a bill establishing a regulatory framework for stablecoins. This bipartisan effort signifies a shift towards legitimizing the crypto sector, reflecting extensive political engagement by industry stakeholders. While some critics express concerns over consumer protections and financial stability risks, the strong legislative support indicates a move towards integrating digital assets into the existing financial infrastructure. ​","Bitcoin prices hovered around $84,000 before analysts forecasted a potential drop to $73,000 amid a prolonged pullback. Analysts note similarities to the end of the 2021 crypto bull market and highlight shifting market narratives from payments to DeFi/NFTs and meme coins. The current conditions mirror previous cycles where speculative hype eventually succumbed to reality. Bitcoin's price action is influenced by macro headwinds, including US-China tariff escalations and the Federal Reserve's hawkish stance. ​","Looking at our trusty Farside data, Bitcoin exchange traded funds (ETFs) have experienced significant outflows, with investors retreating amid market volatility. Since mid-February, Bitcoin ETFs have witnessed total outflows of nearly $5 billion, with over 800 million in outflows this week alone. This trend reflects broader investor caution in the face of economic uncertainties. ​","Ethereum ETFs faced continued pressure this week, mirroring broader crypto market volatility. Significant outflows were observed across key funds, notably Grayscale's ETHE, which saw $41.7 million in withdrawals on March 13 alone. Fidelity's Ethereum fund (FETH) also experienced consistent outflows throughout the week, highlighting investor caution amid uncertain regulatory developments and macroeconomic conditions. Market sentiment remains tentative, and investors appear to be waiting for clearer signals before recommitting to Ethereum based financial products.","Just like the past few weeks I have a brand new tutorial video, this time I’m speed running the XPR Network (XPR) Block Explorer. If you don’t know, a block explorer is where you can see transaction history and all of the actions that happened onchain, at any point in time. This video explains the basics of the explorer and how to navigate the various functions.","Every digital asset in our tracked tokens is down on the 7day, so this week we are highlighting the biggest dippers, with HBAR, DOGE, ETH and LTC leading the pack, all in double digit percentages. Eagled eyed readers will have noticed some relief on the tail end of those charts with a healthy correction happening as we speak. Switch to the 24h chart and things are looking a bit better.","Ready to buy the dip? These assets and more are available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-14-march-2025"},"/news-insights/crypto-news-7-march-2025":{"version":1,"title":"Crypto News - 7 March 2025 — Metal Pay - Crypto, The Right Way.","description":"U.S. Establishes Strategic Bitcoin Reserve","keywords":"","h1":["Crypto News - 7 March 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 7, 2025","Last night, President Donald Trump signed an executive order to establish a Strategic Bitcoin Reserve, aiming to boost the nation's position in the digital asset space. This reserve will be funded using Bitcoin forfeited in criminal or civil cases, positioning it as a long-term store of value akin to a digital Fort Knox. This initiative underscores the administration's commitment to embracing blockchain technology and integrating it into national financial strategies. ​","The creation of the Strategic Bitcoin Reserve marks a significant milestone in the U.S. government's engagement with cryptocurrency, reflecting a broader trend of institutional adoption and recognition of digital assets' potential. As the crypto landscape continues to evolve, stakeholders will be closely monitoring the implications of this development on the market and regulatory environment.​","The Crypto Summit kicks off today, bringing together industry leaders, policymakers, and blockchain developers to discuss the latest trends, regulatory outlooks, and innovations shaping the future of digital assets. Expect discussions on regulation, innovation, institutional adoption and the evolving role of crypto in global finance.","Bitcoin ETFs experienced another week of outflows as investors reacted to macroeconomic developments. The week started with net negative flows across multiple issuers, with notable sell offs from Fidelity’s FBTC and Grayscale’s GBTC. Mid-week saw a brief inflow before outflows ramped up again, reflecting uncertainty surrounding U.S. monetary policy and institutional appetite for BTC.","Ethereum ETFs followed a similar trend, with Grayscale’s ETHE seeing continued outflows. While there were some minor inflows in the middle of the week, overall sentiment remains cautious. Market participants are watching for signs of stabilization as ETH-based investment products navigate shifting regulatory and liquidity conditions.","Despite ongoing volatility, a few assets saw positive momentum this week. Hedera (HBAR) led market performance, with Ripple (XRP), Bitcoin (BTC), and Dogecoin (DOGE) also posting gains. Solana (SOL) remained relatively flat, reflecting the cautious sentiment among investors.","This week Paul Grey filmed a video about Metal Dollar XMD, what it is and how to mint and redeem it for other stables.Metal Dollar (XMD) is more than just a stablecoin, it's the core trading pair on Metal X the DeFi super app built on the XPR Network. Unlike traditional stablecoins like USDC or USDT, which are tied to a single issuer, XMD is backed by a 'basket of stablecoins' (USDC, USDP, PYUSD), providing greater stability and resilience.","Have you used the WebAuth Wallet before? We would love to hear your feedback with this quick survey!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-7-march-2025"},"/news-insights/crypto-news-4-april-2025":{"version":1,"title":"Crypto News - 4 April 2025 — Metal Pay - Crypto, The Right Way.","description":"April Opens with Tariffs, ETF Volatility, and Stablecoin Progress","keywords":"","h1":["Crypto News - 4 April 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 4, 2025","This week, the cryptocurrency market faced significant developments influenced by U.S. policy changes and market dynamics. Notable events include the Trump administration's announcement of sweeping tariffs, the advancement of stablecoin legislation, interesting trends in crypto ETFs, and movements in major cryptocurrencies.","U.S. Imposes Sweeping Tariffs, Impacting Financial Markets","On April 2, President Donald Trump announced a comprehensive tariff package, including a baseline 10% tariff on all imports, with higher duties targeting countries like China and Vietnam. This decision led to a significant downturn in the stock market, erasing billions in U.S. corporate value and causing substantial losses among the world's wealthiest individuals. The tariffs are expected to increase prices on goods such as food, clothing, and technology, directly affecting consumers. Despite widespread criticism from economists and GOP leaders, President Trump views this strategy as leverage for renegotiating trade deals. ​","Stablecoin Legislation Advances in the US","The STABLE Act, a bipartisan bill aimed at legitimizing stablecoins within the U.S. financial system, has advanced through the House Financial Services Committee. While the legislation seeks to bolster the dollar's global prominence, critics warn that it may inadvertently allow Big Tech firms, such as Meta and Amazon, to enter the banking sector by issuing their own digital currencies through subsidiaries. Experts express concerns that this could concentrate financial power in corporate hands and reduce consumer protections. The bill now moves to the Senate for further consideration. ​","Bitcoin exchange-traded funds (ETFs) witnessed notable outflows this week, reflecting investor caution amid market volatility. On April 3, Bitcoin spot ETFs in the U.S. saw $99.86 million leave the products, reversing the previous day's inflows of $218 million. This trend indicates a bearish sentiment among investors, likely influenced by the recent tariff announcements and their potential impact on the broader financial markets. ​","Ethereum ETFs also experienced outflows, though to a lesser extent than Bitcoin. On April 3, the Ethereum ETF market saw a total net outflow of $3.6 million, with the entirety of this outflow attributed to the ETHW ETF. Other Ethereum ETFs reported no significant changes in flow, suggesting a more stable investor sentiment compared to Bitcoin ETFs this week.","Despite a rocky week in equities and ETF outflows, several tokens posted strong intraday recoveries heading into Friday’s close, so this week we’re covering the 24 hour top gainers by percentage and including the 7 day snapshot price graph. Leading the 24-hour gainers was XPR Network (XPR), up 13.6%, followed by LOAN Protocol (LOAN) at +9.3%, and Dogecoin (DOGE) with an 8.7% lift on the 24h chart.","These assets and more are available for trading on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-4-april-2025"},"/news-insights/crypto-news-28-february-2025":{"version":1,"title":"Crypto News - 28 February 2025 — Metal Pay - Crypto, The Right Way.","description":"Crypto bloodbath as tariffs take hold","keywords":"","h1":["Crypto News - 28 February 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Feb 28, 2025","This week, the cryptocurrency market faced significant downturns, with Bitcoin (BTC) leading the decline. Bitcoin fell over 5% yesterday, dipping below the $80,000 mark for the first time since November 2024. This drop is attributed to mounting economic uncertainties, including President Donald Trump's proposed 25% tariffs on imports from Mexico and Canada, set to take effect in early March. These trade policies have raised investor concerns about potential global inflation and slowed economic growth. ​","The market's instability was made worse by that record-breaking $1.5 billion hack of Ethereum (ETH) from the Bybit exchange we mentioned last week. This security breach has shaken investor confidence, contributing to the broader sell-off in the crypto space. As a result, the global cryptocurrency market has lost over $1 trillion in value since its peak in around mid December 2024. ​","Investor sentiment toward Bitcoin has turned bearish, as shown by substantial outflows from Bitcoin backed ETF’s. Over the past week, these ETFs have collectively lost billions in assets, reflecting growing concerns over market volatility and economic policy uncertainties. The recent downturn has prompted investors to reassess their exposure to Bitcoin related financial products. ​","Ethereum (ETH) has not been immune to the market's bearish trend. ETHs value has declined to its lowest point since January 2024, influenced by both the broader market sell-off and the recent Bybit hack. Ethereum backed ETFs have seen notable outflows, as investors react to the heightened uncertainty surrounding the asset's short term prospects. ​","Metallicus, a leader in blockchain technology for financial institutions (and the company behind Metal Pay), has partnered with Payfinia, an instant payments service provider and U.S. Credit Union Service Organization (CUSO), to establish a framework for offering embedded instant payment capabilities coupled with cryptocurrency services to credit union members nationwide.","Payfinia will also join the Metal Blockchain Banking Innovation Program, an incubator led by Metallicus that empowers financial institutions to explore blockchain technology. Through this program, members collaborate with Metallicus’ industry-leading engineering team to develop compliant financial solutions, including stablecoins, instant payments, tokenized assets, and digital identity solutions. All innovations are built on Metal Blockchain, a BSA-compliant blockchain with integrated KYC/AML controls, ensuring security and regulatory compliance from the ground up.","[Read Full Release]","This week Paul Grey dropped two new videos! The first video covers the Web Browser version of the WebAuth.com Wallet by Metallicus and how to add signing devices (or passkeys) to authorize transactions. Securely keep all of your digital assets in one place and control them with a secure Yubi key, Face ID or device of your choice.","And secondly A casual step by step overview of all the features on Metal X (the decentralized exchange) and how to use them.Walk through the DEX Trading, AMM Swap, Liquidity Pools, Yield Farming as well as the Fiat Onramp, Xtokens, OTC Trading Desk, Streaming Payments, The Gift Card and of course the Lending Protocol.Check out this video and more here on youtube or use the vimeo link for translated titles.","This week’s 7 day snapshot sees LOAN Protocol (LOAN) and XPR Network (XPR) as the only assets available in Metal Pay posting gains this week. Meanwhile, all other assets we cover were down in the red. While some projects saw increased attention, overall sentiment remained mixed amid ongoing volatility.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-28-february-2025"},"/news-insights/crypto-news-28-march-2025":{"version":1,"title":"Crypto News - 28 March 2025 — Metal Pay - Crypto, The Right Way.","description":"USAID Eyes Blockchain, WLFI Launches USD1","keywords":"","h1":["Crypto News - 28 March 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 28, 2025","The crypto market traded sideways this week as investors continued to digest macroeconomic developments, including fresh concerns over global trade tensions.","U.S. Imposes 25% Tariffs on Imported Vehicles","On Wednesday, President Donald Trump announced a 25% tariff on imported automobiles and certain automobile parts, citing national security concerns. The tariffs, set to take effect on April 3, will apply to passenger vehicles, light trucks, and key components such as engines and transmissions. The administration asserts that this measure aims to bolster domestic manufacturing and protect the U.S. automotive industry. However, industry analysts warn that the tariffs could lead to increased vehicle prices and potential disruptions in the automotive supply chain which has had some follow on effects on market dynamics.","Trump Administration Explores Blockchain for USAID Overhaul","In a move to enhance transparency and efficiency in foreign aid distribution, the Trump administration is considering integrating blockchain technology into the operations of the United States Agency for International Development (USAID). The proposed overhaul aims to leverage blockchain's immutable ledger capabilities to track aid disbursements, reduce fraud, and ensure that assistance reaches intended recipients. This initiative aligns with the administration's broader efforts to modernize federal agencies through innovative technologies. ​","WLFI Announces USD1 Stablecoin Backed by U.S. Government Securities","World Liberty Financial (WLFI), a decentralized finance protocol backed by President Trump and his family, confirmed plans to launch a U.S. dollar-backed stablecoin named USD1. The stablecoin will be fully backed by short-term U.S. government securities, U.S. dollar deposits, and other cash equivalents. Initially, USD1 tokens will be minted on the Ethereum and Binance Smart Chain blockchains, with plans to expand to other protocols in the future. Each token is intended to maintain a value of $1 USD, fully backed by a reserve portfolio audited regularly by a third-party accounting firm.","Bitcoin ETFs saw a total net inflows of $289.6M so far this week since Monday. Blackrock’s IBIT and Fidelity’s FBTC continued to lead flows, while Bitwise (BITB) and WTree (BTCW) posted recurring outflows. Despite a flat Friday last week, this week's cumulative ETF flows remained positive, reflecting resilient institutional interest in BTC amid macro uncertainty.","Ethereum ETFs, on the other hand, struggled with net outflows every trading day this week, totaling approximately -$13.4M since Monday. Notable redemptions came from Blackrock’s ETHA last Friday and Grayscale’s ETHE. The ETF pressure appears to be contributing to Ethereum’s -3.8% price decline over the 7-day period, underperforming peers.","Dogecoin (DOGE) was the standout performer this week, surging 8.9%, followed by Solana (3.1%) and a modest 0.6% gain for Bitcoin. Meanwhile, Ethereum slipped -3.8%, and Hedera dipped slightly at -0.4%.","This suggests a speculative tilt in the market, with meme and community-driven assets like DOGE outperforming majors during a sideways trading week.","These assets and more available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-28-march-2025"},"/news-insights/crypto-news-21-march-2025":{"version":1,"title":"Crypto News - 21 March 2025 — Metal Pay - Crypto, The Right Way.","description":"Trump vows to make US undisputed Bitcoin superpower","keywords":"","h1":["Crypto News - 21 March 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 21, 2025","In a pre-recorded address to the Blockworks Digital Assets Summit in New York City, President Donald Trump vowed to make the United States 'undisputed Bitcoin superpower and crypto capital of the world' . He emphasized efforts to end previous regulatory restrictions on crypto and called for Congress to establish clear regulations to help keep innovation and investment in America. Trump highlighted initiatives such as the creation of a strategic Bitcoin Reserve, likened to a digital Fort Knox, and actions taken to stop \"Operation Chokepoint 2.0,\" which allegedly aimed to debank cryptocurrency tech founders. ​","MicroStrategy, known for its substantial Bitcoin holdings, announced plans to sell stock to raise up to $21 billion for further investments in Bitcoin. The company recently spent $11 million to acquire 130 Bitcoin at an average price of $82,981, marking its smallest purchase in nearly a year. This cautious approach may reflect concerns about the impact of U.S. President Trump's tariffs and a potential reduction in risk appetite among investors. ​","Bitcoin ETFs saw a strong week, with significant inflows reversing prior outflows. The standout performer was BlackRock’s IBIT, which brought in $218.1 million on March 18 and $172.1 million on March 20, contributing to a total net inflow of $660 million+ for the week. Fidelity’s FBTC also posted a solid $127.3 million inflow on March 17, signaling continued institutional accumulation.","Ethereum ETFs continued to struggle, posting five consecutive days of outflows. The largest outflows came from BlackRock’s ETHA (-$40.2M on March 18) and Grayscale’s ETH, contributing to total weekly net outflows of over $125 million.","The price of XRP surged over 8% after Ripple's CEO announced that the Securities and Exchange Commission (SEC) had dropped its four-year case against the company. The SEC had accused Ripple of raising $1.4 billion through unregistered securities sales of XRP. This development is part of the Trump administration's efforts to ease cryptocurrency regulations, contrasting with the previous administration's stricter stance. ​","This week's crypto market saw LOAN Protocol (LOAN) leading the gains, up 12.3%, followed by Litecoin (LTC) at 2.1% and Ethereum (ETH) at 1.6%. Metal DAO (MTL) and XPR Network (XPR) also saw modest increases, up 1.4% and 1.3%, respectively.","Overall, the market remains cautiously optimistic, with Ethereum and Bitcoin showing some resilience despite ongoing macroeconomic concerns.","All these digital assets and more available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-21-march-2025"},"/news-insights/crypto-news-18-april-2025":{"version":1,"title":"Crypto News - 18 April 2025 — Metal Pay - Crypto, The Right Way.","description":"Trump Administration Considers Using Tariff Revenue to Purchase Bitcoin","keywords":"","h1":["Crypto News - 18 April 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 18, 2025","The Trump administration is exploring budget-neutral strategies to expand the United States’ Strategic Bitcoin Reserve. Bo Hines, Executive Director of the Presidential Council of Advisers for Digital Assets, indicated that one such strategy involves utilizing revenue generated from tariffs to purchase additional Bitcoin holdings. This approach aligns with President Trump’s broader vision of positioning the U.S. as a global leader in cryptocurrency adoption. ​","https://x.com/Cointelegraph/status/1911947712150352199","The Strategic Bitcoin Reserve, established by an executive order in March 2025, initially consists of Bitcoin assets seized through government enforcement actions. By potentially channeling tariff revenues into Bitcoin acquisitions, the Trump admin aims to boost this reserve without imposing additional burdens on taxpayers. ​","This development clearly shows the administration’s commitment to integrating digital assets into national financial strategies and reflects a massive shift in governmental approaches to cryptocurrency.​","Bitcoin ETF flows swung sharply this week, with the biggest outflow of -$171.1M hitting on April 16, led by Fidelity (-$113.8M) and Ark (-$113.2M). The market quickly rebounded the next day with $106.9M in net inflows, suggesting renewed institutional buying. Overall, the flows show persistent volatility in investor sentiment despite BTC holding steady around $84K.","Ethereum ETFs continued to bleed, posting net outflows every day this week. April 11 last week marked the worst day, with Grayscale’s ETHE shedding -$26.1M. There were zero inflows across any issuer apart from 21 Shares and Greyscale with a combined $4M inflows , reflecting continued caution and lack of conviction in ETH markets.","This week’s leaderboard was topped by Metal DAO (MTL), which surged +15.1%, likely fueled by ongoing momentum within the Metallicus ecosystem. Solana (SOL) followed with a strong +11.2% gain, continuing to benefit from high user activity and meme coin trading on its network. Meanwhile, Bitcoin (BTC) and Ripple (XRP) both edged up +2.9%, holding steady amidst ETF volatility. Ethereum (ETH) closed the week with a modest +1.6% rise, underperforming its peers as ETF outflows continue.","All these assets and more available for trading on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-18-april-2025"},"/news-insights/crypto-news-2-may-2025":{"version":1,"title":"Crypto News - 2 May 2025 — Metal Pay - Crypto, The Right Way.","description":"April closes on strength as ETF flows return and Bitcoin holds above $97K","keywords":"","h1":["Crypto News - 2 May 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 2, 2025","Bitcoin finished the week back above $97,000, extending its multi-week rally and confirming bullish momentum across spot and ETF markets. The move caps off a strong April, fueled by renewed institutional demand and improved sentiment in both BTC and ETH markets. At the same time, legacy financial firms are edging deeper into crypto, and political capital continues flowing into the sector. Volatility remains in play but capital is clearly flowing back onchain.","Bitcoin ETF Inflows Pass $1.5B as Institutions Load Up","Bitcoin ETFs extended their rally this week with over $1.5 billion in net inflows recorded between April 25 and May 1. BlackRock’s IBIT led the charge, bringing in $970.9M on April 28, followed by a strong $351.4M on May 1. Despite midweek outflows from Ark and Fidelity, momentum held steady, reflecting sustained institutional interest in BTC at current levels.","Ethereum ETFs Finally See Net Positive Week","Ethereum ETF products produced one of the biggest week of net inflows since February, totaling over $89 million. Inflows were strongest last Friday on April 25 with $104.1 million added, led by BlackRock (ETHA) and Fidelity (FETH). While the trend cooled this Monday and in the days following, net weekly flow remained positive, suggesting a potential shift in sentiment after months of steady outflows.","Trump Family’s USD1 Stablecoin Linked to $2B Binance Stake Bid","World Liberty Financial's USD1 stablecoin, associated with the Trump family, is being used by Abu Dhabi-based investment firm MGX to fund a $2 billion investment in Binance, the world's largest cryptocurrency exchange. The announcement was made by World Liberty co-founder Zach Witkoff at the TOKEN2049 conference in Dubai. USD1 is a dollar-pegged stablecoin backed by U.S. Treasuries and cash equivalents, aiming to provide a transparent and regulated digital currency option.","Vote to Launch SOL, ADA, and XLM on Metal X DEX and Lending","A new proposal is now live on the XPR Network Gov Dash that would fund the launch of Solana (SOL), Cardano (ADA), and Stellar (XLM) spot markets and lending support on Metal X. The proposal requests a grant for liquidity provisioning and market making. These assets have already been bridged via xTokens but remain inactive for trading. With approval, users will be able to trade and lend SOL, ADA, and XLM natively on Metal X DEX.","🗳️ XPR holders vote here: https://gov.xprnetwork.org/communities/3/proposals/680a5823f4f4d9492c3d68ec","LOAN Holders: Vote to Add SOL and ADA to the Lending Protocol","To go along with the above proposal to add the above assets to the DEX, there are two active proposals for LOAN token holders to decide whether to add Solana (SOL) and Cardano (ADA) to the LOAN Protocol lending markets. Both proposals offer options to enable lending with or without LOAN rewards. These integrations would expand the protocol’s supported asset set, attract new users from the Solana and Cardano ecosystems, and drive up TVL and borrowing activity across the network.","🗳️ Vote on SOL Lending: https://gov.xprnetwork.org/communities/5/proposals/6813cb29f27f8365c08a4e58","🗳️ Vote on ADA Lending: https://gov.xprnetwork.org/communities/5/proposals/6813cb6ef27f8365c08a4ef5","Top Gainers – LOAN Leads as Broader Market Steadies","Among Metal Pay listed assets, LOAN Protocol (LOAN) topped the charts this week with a +18.5% gain, driven by lending activity and community governance momentum. Metal Blockchain (METAL) and Ethereum (ETH) followed at +4.3% and +2.7%, respectively. Bitcoin (BTC) rose 2.1%, while Litecoin (LTC) lagged slightly at +1.1%. The broader market appeared to pause after April’s strong rally.","These assets and more are available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-2-may-2025"},"/news-insights/crypto-news-11-april-2025":{"version":1,"title":"Crypto News - 11 April 2025 — Metal Pay - Crypto, The Right Way.","description":"Tariff Pause, Bond Yields Surge, SEC Leadership Shift, and Ethereum ETF Options","keywords":"","h1":["Crypto News - 11 April 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 11, 2025","From the bond market to the SEC, pressure points flared across the financial system this week... and crypto was no exception. Between deepening ETF outflows and policy reshuffling in Washington, investors were left recalibrating fast.","Trump Implements 90-Day Tariff Pause Amid Market Turmoil","In response to escalating market volatility and recession concerns, President Donald Trump announced a 90-day suspension on most newly proposed tariffs, maintaining a 10% baseline tariff for most countries and increasing tariffs on Chinese imports to 125%. This strategic pivot aims to isolate China as the primary trade adversary while providing a window for bilateral trade negotiations with over 75 countries. The stock market responded positively, with the S&P 500 surging 9.5%.","10-Year Treasury Yields Climb Amid Economic Uncertainty","The yield on the 10-year U.S. Treasury note has risen sharply, reaching 4.44% on April 10, 2025. This increase reflects investor concerns over potential inflation and economic instability stemming from recent trade policy shifts. The surge in yields indicates a significant shift in investor sentiment, with potential implications for borrowing costs and financial markets.","Paul Atkins Confirmed as SEC Chairman","The U.S. Senate confirmed Paul Atkins as the new Chairman of the Securities and Exchange Commission (SEC) in a 52-44 vote. Atkins, known for his deregulatory stance and previous tenure as an SEC commissioner under President George W. Bush, is expected to influence the agency's approach to digital asset regulation. His confirmation has been met with both anticipation and concern within the financial community. ​","SEC Approves Options Trading on Ethereum ETFs","In a significant development for cryptocurrency investors, the SEC has approved options trading on several spot Ethereum ETFs. This decision allows for more sophisticated investment strategies involving Ethereum, potentially increasing market liquidity and attracting institutional investors. The approval marks a milestone in the integration of digital assets into traditional financial markets.","It was a brutal week for Bitcoin ETFs, marking the one of the worst cumulative outflows since launch, with net redemptions accelerating day by day. The sharpest blow came on April 8, when BlackRock’s IBIT posted a staggering $252.9 million in outflows — its largest single-day bleed to date. That day alone saw total net outflows of $326.3 million across all issuers. Sentiment appears rattled by broader macro conditions, including the recent bond yield spike and policy shifts.","Ethereum ETFs also struggled this week, logging net outflows for the last three days. The most significant pressure came from Fidelity’s FETH, which saw $36 million in redemptions on April 10. Even with a rare inflow into BlackRock’s ETHA that day, the damage was done.","The weekly net outflow totaled over $50 million, reflecting continued hesitation around Ethereum exposure, despite the SEC’s approval of ETH ETF options trading earlier this month. Investors appear cautious as volatility remains high across broader markets.","Top Gainers – TDBN-Aligned Projects Lead the Week","In a choppy week for markets, Metallicus-aligned projects under the TDBN (The Digital Banking Network) umbrella posted standout performances. XPR Network led all gainers with a +31.7% jump, followed by LOAN Protocol (+20.1%) and Metal Blockchain (+15.5%), each showing strong momentum. Metal DAO (MTL) also added +8.5%, significantly outpacing broader market benchmarks. With Solana rounding out the list at just +1.3%, it’s clear these assets held a meaningful edge amid the week’s macro-driven volatility.","Rewards for Ripple XRP & Litecoin Lenders?","This week, Paul Grey introduced a new governance proposal on the LOAN Protocol aimed at expanding LOAN token incentives to all supported lending markets on Metal X Lending. If passed, the change would enable rewards for underutilized markets such as Ripple (XRP) and Litecoin (LTC), alongside existing incentives for Bitcoin, Ethereum, and USDC. The proposal outlines a balanced 40/60 supplier-to-borrower rewards ratio, designed to boost liquidity and participation protocol-wide. This marks a significant step toward making Metal X Lending the most inclusive multi-asset lending platform in DeFi. Vote Here.","Metallicus Named Finalist at NACUSO’s 2025 Next Big Idea Competition","As part of the competition we will be demonstrating our Crypto API—enabling credit union members to buy and sell crypto instantly from their checking or savings accounts.","Powered by Payfinia’s Real Time Payments and built on the Metal Blockchain, our solution is fast, secure, and fully compliant. Catch us at Reimagine, April 14–17 in Las Vegas!","Metallicus joins Circle Alliance Program","Metallicus is excited to share that we have joined the Circle Alliance Program, a global community of teams focused on bringing the world on-chain, powered by USDC. As members, we look forward to collaborating with innovative protocols and institutions to build with USDC and enable an on-chain economy. To learn more about the Alliance Program, visit: https://www.circle.com/alliance-program","Ready to start trading? Get Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-11-april-2025"},"/news-insights/crypto-news-25-april-2025":{"version":1,"title":"Crypto News - 25 April 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Surges Past $95K Amid ETF Inflows and Regulatory Shifts","keywords":"","h1":["Crypto News - 25 April 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 25, 2025","This week, Bitcoin's price surged above $95,000, driven by significant ETF inflows and institutional investments. At the same time, regulatory changes signaled a shift in the U.S. government's approach to cryptocurrency oversight.","Bitcoin ETF Flows: $2.7 Billion Week Caps Off With Strength","Bitcoin blasted through the $95,000 mark this week, notching one of its strongest rallies of the year. The move was backed by a flood of institutional demand, with U.S. spot Bitcoin ETFs recording over $2.7 billion in inflows between April 21 and April 24. BlackRock’s IBIT alone brought in a massive $643.2 million on April 23, while consistent participation from Fidelity, Ark, and even Bitwise suggests broad-based accumulation.","Ethereum ETF Flows: Return to Green After Weeks of Red","Ethereum ETFs, meanwhile, finally saw a shift in tone after weeks of persistent redemptions. On April 24, net flows flipped positive with a $63.5 million inflow, the first real green day in over two weeks. BlackRock’s ETHA led the move with $40 million added. Smaller inflows were also recorded across Bitwise, 21Shares, and VanEck products. While ETH has lagged BTC in both performance and sentiment, this week’s flows suggest growing confidence that Ethereum could catch up in the next leg of the cycle.","Cantor Fitzgerald Launches $3.6B Crypto Venture","Cantor Fitzgerald announced a $3.6 billion crypto venture named Twenty One Capital, in partnership with SoftBank, Tether, and Bitfinex. The venture aims to acquire over 42,000 BTC, positioning itself as the third-largest Bitcoin holder globally. Jack Mallers, founder of Strike, will serve as CEO. ​","U.S. Regulators Ease Crypto Banking RestrictionsIn a major policy reversal, the Federal Reserve and FDIC withdrew previous guidance requiring banks to notify regulators before offering crypto-related services. The updated stance allows banks to proceed as long as they follow safety and soundness standards, signaling a friendlier regulatory environment for traditional finance entering digital assets.","Trump's $TRUMP Coin Promotion Sparks Controversy​This week, former President Donald Trump promoted his $TRUMP meme coin by offering an exclusive gala dinner at Trump National Golf Club on May 22 for the top 220 token holders. The announcement led to a significant price surge, with the coin's value increasing by over 50% to approximately $14.70, before settling around $12.30. While supporters view this as an innovative engagement strategy within the crypto space, critics have raised concerns about potential conflicts of interest and the ethics of monetizing access to a former president.","Want to expand the Decentralized Lending Markets on Metal X?XPR holders are being asked to vote on a new proposal that would unlock trading and lending markets for Solana (SOL), Cardano (ADA), and Stellar (XLM) on the Metal X DEX. If approved, users would be able to send their assets directly from Metal Pay into the DeFi ecosystem on Metal X and use the DEX and lending markets. This is a key step in expanding the multichain capabilities of the XPR Network and increasing TVL. You can read and vote on the proposal here.","Price action across our Metal Pay tracked assets reflected the renewed momentum. Hedera (HBAR) led the weekly gainers with a +20.9% move, followed by Dogecoin (DOGE) up 16.6%, and Solana (SOL) rising 15.0%. Ethereum gained 13.9% on the week, its strongest performance since early March, and Litecoin (LTC) wasn’t far behind at 13.7%. With major Layer 1s, memecoins, and blue-chip tokens all pushing upward, the market appears to be entering a renewed bullish phase driven by both institutional and retail flows.","These assets and more, available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-25-april-2025"},"/news-insights/crypto-news-6-june-2025":{"version":1,"title":"Crypto News - 6 June 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin steadies above $100K and Musk–Trump Rift Sends Ripples Through Markets","keywords":"","h1":["Crypto News - 6 June 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 6, 2025","Crypto News - 6 June 2025 - Bitcoin steadies above $100K and Musk–Trump Rift Sends Ripples Through Markets","Markets were thrown into disarray late last night after a public breakdown in relations between Donald Trump and Elon Musk sent shockwaves through both political and financial spheres. The clash, sparked by a barrage of critical posts and remarks from both camps added sudden uncertainty to a market already on edge from ongoing macro pressures. Equities slid and Bitcoin dipped sharply, briefly trading under $102K. As reported by Reuters, the feud marked a dramatic turn in what had been a high-profile alliance, unsettling investors across sectors (source). However, early signs this morning point to a modest recovery, with crypto markets beginning to stabilize heading into the weekend.","Bitcoin Holds Firm Above $100K as Market Eyes Regulatory Developments","Bitcoin (BTC) has maintained its position above the $100,000 mark this week, trading around $105,050. This stability comes amid a backdrop of significant regulatory discussions and institutional movements in the crypto space. Analysts suggest that Bitcoin’s resilience is bolstered by ongoing institutional interest and the anticipation of clearer regulatory frameworks.","Ethereum Faces Resistance Amid Market Volatility","Ethereum (ETH) experienced fluctuations this week, currently trading at approximately $2,515. After reaching highs near $2,610, ETH faced resistance and pulled back, reflecting the broader market’s cautious sentiment. Despite the volatility, Ethereum remains a focal point for investors, especially with discussions around potential spot ETF approvals gaining traction.","Circle’s IPO Signals Growing Institutional Confidence in Crypto","Circle, the issuer of the USDC stablecoin, made a remarkable debut on the New York Stock Exchange, raising $1.05 billion and seeing its stock surge 168% above the IPO price. This successful listing is viewed as a significant milestone, potentially paving the way for other crypto firms to enter public markets. Analysts interpret this move as a sign of growing institutional confidence in the cryptocurrency sector.","UK’s FCA Considers Lifting Ban on Crypto ETNs for Retail Investors","The UK’s Financial Conduct Authority (FCA) is contemplating lifting its ban on crypto exchange-traded notes (ETNs) for retail investors. This potential policy shift aims to enhance the country’s competitiveness in the crypto industry while ensuring consumer protection. If implemented, it could open up new investment avenues for retail participants in the UK.","Bitcoin hashrate continues to rise and why it matters.","Bitcoin’s hashrate just hit an all-time high and that matters more than you might think. When more miners join the network, competition increases, driving up the cost to mine each block. Normally, this would discourage new entrants. But right now, the opposite is happening: hashrate is surging. That tells us something important. Either people just really love mining and are doing it for fun… or miners are positioning for a future where Bitcoin’s price goes much higher. In other words, growing hashrate is more than a technical stat, so it’s a vote of confidence from those with the most skin in the game.","Bitcoin ETF Flows: Wild Swings, Net Outflows Dominate","This week’s Bitcoin ETF activity was a rollercoaster. Monday opened with a sharp $267 million in outflows, led by BlackRock (-$130M), Ark (-$74M), and Grayscale (-$16.5M). Things reversed on Tuesday with a healthy $375 million in net inflows, and again Wednesday with $87 million. But Thursday saw the rug pull again: nearly every issuer recorded redemptions, with Fidelity, Bitwise, Ark, and BlackRock all reporting outflows, totaling $278 million. The erratic flow pattern suggests indecision and repositioning among institutional holders.","Ethereum ETF Flows: Consistent Inflows Despite Market Chop","Ethereum ETFs showed quiet strength this week. After a strong start Monday, the week saw consistent inflows across BlackRock, Fidelity, and Franklin, with a total of $256.9 million added over four days. Notably, even during broader market weakness, ETH ETFs continued to attract capital, reinforcing the idea that institutions may be building positions in anticipation of spot ETF approvals or improved Layer 2 adoption narratives.","LOAN Leads While Majors Tread Water","LOAN Protocol emerged as the clear outperformer this week, gaining +21.6% on the back of strong community engagement and growing usage of the lending protocol on Metal X. Meanwhile, majors like Bitcoin (-0.4%) and Ethereum (-3.0%) edged lower amid ETF uncertainty and macro caution. Ripple (XRP) finished flat, while Metal DAO and the broader altcoin complex remained under modest selling pressure. The move in LOAN continues a multi-week trend of strength for tokens with strong DeFi utility and governance momentum.","These coins and more available for trading on Metal Pay!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-6-june-2025"},"/news-insights/crypto-news-9-may-2025":{"version":1,"title":"Crypto News - 9 May 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin breaks $103K, Fed holds rates, and the entire market turns green","keywords":"","h1":["Crypto News - 9 May 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 9, 2025","Bitcoin soared past the $100,000 mark for the first time since March, with price action pushing as high as $103,000 by Friday as ETF inflows surged and institutional demand returned in force. Ethereum followed with a breakout of its own, while DeFi tokens, memecoins, and Layer 1s all posted strong weekly gains. From top to bottom, the crypto market was up across the board with every major asset in the green both daily and weekly.","Adding fuel to the move, the Federal Reserve left interest rates unchanged for May, maintaining its 4.25 to 4.50% target and signaling no immediate plans for a cut despite rising political pressure. Coupled with renewed risk appetite and speculation about a Q3 pivot, the macro backdrop offered plenty of room for bulls to run.","Bitcoin ETF Flows: Mixed Start, Clean Finish as BTC Reclaims $103K","This week saw mixed flows across U.S. Bitcoin ETFs. Monday, May 5, opened strong with over $530 million in inflows to BlackRock’s IBIT, while outflows were recorded from Fidelity, Bitwise, Ark, Franklin, and Grayscale’s GBTC, partially offsetting gains. On Tuesday the 6th, aggregate flows flipped negative, driven by further GBTC and ARKB redemptions. However, sentiment turned decisively midweek: both May 7 and May 8 recorded net inflows of $142 million and $117 million, respectively - with zero outflows from any BTC ETFs over those final two sessions. The strong close coincided with Bitcoin’s price blasting through the $100,000 barrier and ending the week at $103K.","Ethereum ETF Flows: Outflows Continue, But Price Explodes Nearly 30%","Ethereum ETFs began the week in rare silence- Monday, May 5, saw no inflows or outflows across any provider, a statistical anomaly in a market this active. From May 6 through 8, however, BlackRock (ETHA) and Fidelity (FETH) resumed their outflow streak, resulting in over $55 million in net redemptions for the week. Despite the ETF selling pressure, Ethereum’s price surged nearly 30% in the past 24 hours, suggesting a wave of retail-driven momentum that may be decoupled from institutional flows. Whether this marks a new trend or a short squeeze remains to be seen once today’s ETF flow data is finalized.","Governance Update: SOL, ADA, and XLM Markets Coming to Metal XThe proposal to launch Solana (SOL), Cardano (ADA), and Stellar (XLM) markets on Metal X DEX has officially passed. Backed by a grant from the XPR Network community, this upgrade will enable users to trade and lend all three assets natively on Metal X, with deep liquidity and active market making. These assets have already been bridged via xTokens and now, full utility is coming online.","LOAN Holders: Cast Your Votes to Finalize Lending Market LaunchesWith the DEX and infrastructure approved, the final step is up to LOAN Protocol token holders. Two proposals are now live to determine whether SOL and ADA should be added to the Metal X Lending markets, with options to include or exclude LOAN token rewards. Adding these markets will broaden the protocol’s cross-chain coverage, invite new borrowers and lenders, and grow TVL across the ecosystem.","🗳️ Vote on SOL Lending: gov.xprnetwork.org/proposals/6813cb29f27f8365c08a4e58🗳️ Vote on ADA Lending: gov.xprnetwork.org/proposals/6813cb6ef27f8365c08a4ef5","Top Gainers This Week, ETH and LOAN Lead the ChargeLooking at our top gainers 7 day snapshot, it was a green week across the board, with strong momentum from both majors and altcoins. Ethereum (ETH) surged to the top with a +28.8% gain, fueled by its sharp Friday rally and renewed DeFi interest. Close behind, LOAN Protocol climbed +27.4%, possibly driven by governance activity and reward optimism surrounding new lending market proposals.","Dogecoin (DOGE) added +14.6%, Solana (SOL) followed with a +14.2% rise as ecosystem activity picked up, and Litecoin (LTC) rounded out the leaderboard with a solid +12.2%.","Every single asset tracked on the Metal Pay dashboard closed the week in the green a clear signal of bullish sentiment returning across sectors.","These assets and more, available for trading on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-9-may-2025"},"/news-insights/crypto-news-23-may-2025":{"version":1,"title":"Crypto News - 23 May 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Surges to $112K as Institutional Demand Grows and Wall Street eyes stablecoins","keywords":"","h1":["Crypto News - 23 May 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 23, 2025","Crypto News - 23 May 2025 - Bitcoin Surges to $112K as Institutional Demand Grows and Wall Street eyes stablecoins","Bitcoin reached a new all-time high of $112,000 this week, outpacing traditional markets amid growing institutional interest and favorable regulatory developments. Analysts attribute the rally to increased ETF inflows, state-level adoption initiatives, and the Trump administration's supportive stance on digital assets. Notably, states like Texas are moving to incorporate Bitcoin into their reserves, reflecting a broader trend of integrating cryptocurrencies into mainstream financial strategies.","Trump’s Crypto Engagement Raises Ethical Questions","President Trump hosted a black-tie dinner at his Virginia golf club for top holders of his $TRUMP meme coin, a move that has sparked some ethical concerns within the political circle. Critics argue that the event blurs the lines between public office and personal financial gain, especially since attendees secured invitations by purchasing a digital currency tied to Trump, resulting in substantial revenue for his affiliated businesses. Lawmakers are calling for investigations into potential violations of ethics laws and the emoluments clause.","Major Banks Explore Joint Stablecoin Initiative","In a significant shift, major U.S. banks, including JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo, are in early discussions about creating a joint stablecoin. The initiative aims to streamline transactions such as cross-border payments and reflects the banks' efforts to address increasing competition from the cryptocurrency sector. This move indicates a growing convergence between traditional financial institutions and crypto technologies.","BTC ETF FLOW","This week brought a wave of strong inflows into U.S. spot Bitcoin ETFs, with total net flows reaching over $2.5 billion. BlackRock’s IBIT led the charge with daily inflows peaking at $877.2 million on May 22. While smaller outflows were recorded earlier in the week from Invesco these were easily offset by steady demand across issuers like Fidelity, Ark, and Grayscale’s GBTC. All ETF issuers were net positive, suggesting a broad return of institutional confidence as BTC continued hovering near all-time highs.","ETH ETF Flow","Ethereum ETFs showed a mixed but ultimately strong performance this week. After starting with light inflows and a brief midweek dip (including a $24.3 million outflow from Fidelity on May 21), Thursday saw a powerful recovery. May 22 closed with $110.5 million in net inflows...one of the strongest single day totals for ETH ETFs in about a month, driven largely by BlackRock’s ETHE and Grayscale’s ETH product. These flows suggest increasing optimism for Ethereum and the wider DeFi ecosystem built on top of it.","This week’s top gainers on Metal Pay saw Metal Blockchain (METAL) lead the charge with a 15.7% rise, continuing its strong momentum as the network continues to announce financial institutions joining the chains “Banking Innovation Program”. Solana (SOL) climbed 6.1%, buoyed by rising DEX volumes and ongoing interest in the memecoin sector. Bitcoin (BTC) added 5.3%, supported by consistent ETF inflows and strong institutional appetite. Dogecoin (DOGE) posted a modest 4.5% gain as memecoins remained in the spotlight, while Hedera (HBAR) edged up 0.5% to round out the leaderboard. Overall, the green streak extended across major assets.","Don’t forget about the Solana (SOL) Trading competition over on Metal X - top traders go in the draw to win a share of 1m XPR and free trading passes!We are pleased to share the Metallicus 2025 Q1 Quarterly Report, featuring updates on product, engineering, the banking innovation program and much more. If you would like to read the full report please visit https://www.metallicus.com/news","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-23-may-2025"},"/news-insights/crypto-news-16-may-2025":{"version":1,"title":"Crypto News - 16 May 2025 — Metal Pay - Crypto, The Right Way.","description":"Trump administration embraces crypto, Coinbase enters S&P 500 amid data breach, and U.S.–China trade tensions ease","keywords":"","h1":["Crypto News - 16 May 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 16, 2025","In a significant policy statement, the Executive Director of Digital Assets under President Trump declared that cryptocurrency represents \"the next generation of finance.\" This pronouncement underscores the administration's commitment to integrating digital assets into the broader financial system, aligning with previous executive orders aimed at bolstering the U.S. crypto industry .","Coinbase Joins S&P 500 Amidst Data Breach","Coinbase has been selected to join the S&P 500 index, marking a milestone as the first crypto-native company to be included. The inclusion is set to take effect on May 19, replacing Discover Financial Services .","However, the company faces challenges due to a recent cyberattack. Hackers bribed overseas support staff to access sensitive customer data, including names, contact details, and partial social security numbers. While no customer funds were compromised, the breach could cost Coinbase up to $400 million in remediation and reimbursements . Coinbase has refused to pay a $20 million ransom demanded by the attackers and is cooperating with law enforcement.","U.S. and China Agree to 90-Day Tariff Ceasefire","The United States and China have agreed to a 90-day suspension of certain tariffs, aiming to de-escalate ongoing trade tensions. The U.S. will reduce tariffs on Chinese goods from 125% to 10%, while China will lower tariffs on U.S. goods from 145% to 30% . This temporary truce provides an opportunity for both nations to negotiate more comprehensive trade agreements.","Bitcoin ETF Flows: Back n’ Forth Action as Price Holds Firm","Bitcoin ETFs delivered a mixed but ultimately positive week. The weakest session came on May 13, with net outflows totaling $91.4 million, solely due to significant redemptions from Fidelity. However, sentiment turned quickly. On May 14, ETFs recorded strong inflows of $319.5 million, led by BlackRock’s IBIT, which added $232.9 million alone. May 15 closed the week with an additional $114.9 million in net inflows, though pressure remained on providers like Bitwise and Ark, which both saw continued selling. Despite the choppy flows, Bitcoin maintained strength above the $103,000 level, showing resilience in the face of shifting institutional positioning.","Ethereum ETF Flows: Modest Uptick Amid Mixed Signals","Ethereum ETF flows started the week on Monday, May 12, with a net outflow of $17.6 million, driven largely by Grayscale (~$9.6M) and Fidelity (~$8.0M). On May 13, flows turned positive, with a modest $13.5 million entering the market, thanks to small inflows across Fidelity, VanEck, and Franklin products. The strongest day of the week came on May 14, when BlackRock’s ETHA brought in $57.6 million, boosting the daily total to $63.5 million. However, sentiment faltered again on May 15, as Grayscale (~$16.6M) and Fidelity (~$31.6M) led the way to a net outflow of $39.8 million. In total, Ethereum ETFs ended the week with a slight net outflow of $17.4 million, even as ETH’s price climbed over 12%, likely supported by retail interest and DeFi market activity rather than ETF inflows.","Solana Trading Competition Launches on Metal X with over 1M XPR in Prizes","To celebrate the launch of Solana (XSOL) on the Metal X DEX, a 4-week trading competition is now live with a 1,000,000 XPR prize pool and free trading incentives. Running from May 12 to June 12, the competition rewards the top three traders by total volume on the XSOL/XMD pair, with first place taking home 600,000 XPR and a full year of free trading. Participants can trade manually or use the dex-bot grid trading tool to automate their strategy and stay competitive around the clock. No registration is required… just start trading on the XSOL/XMD market to climb the leaderboard. Final rankings and prizes will be distributed by June 30, and updates will be posted via @MetalXApp on X. For more information view the official announcement here.","Top Gainers This Week – LOAN Protocol Surges","The “top gainers” this week on Metal Pay were led by LOAN Protocol (LOAN), which soared 19.9% as governance momentum and upcoming lending expansions drew in fresh interest. Dogecoin (DOGE) posted another strong week, rising 13.0%, while Ethereum (ETH) matched sentiment with a 12.4% gain driven by broader market strength. Litecoin (LTC) and XRP also posted positive returns, up 3.8% and 3.3% respectively. For the second consecutive week, every listed asset tracked on Metal Pay closed in the green… a clear signal that market sentiment remains bullish across majors, memecoins, and DeFi protocols.","These coins and more available for trading on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-16-may-2025"},"/news-insights/crypto-news-30-may-2025":{"version":1,"title":"Crypto News - 30 May 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin cools after record highs, while regulatory shifts and institutional moves reshape the landscape","keywords":"","h1":["Crypto News - 30 May 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 30, 2025","Bitcoin Pulls Back After Hitting $112K","Bitcoin reached a new all-time high of $111,970 on May 22, driven by strong institutional demand and favorable regulatory developments. However, the price has since retreated, stabilizing around $105,378 as of May 30. Analysts suggest this pullback is a healthy consolidation following the recent rally, with the market digesting gains before potentially resuming its upward trajectory.","Ethereum Holds Steady Amid Market Volatility","Trump Media & Technology Group announced plans to raise $2.5 billion to establish a Bitcoin treasury, signaling a significant institutional endorsement of cryptocurrency. The move aligns with the Trump administration's broader strategy to position the U.S. as a global leader in digital assets.","SEC Dismisses Lawsuit Against Binance","In a notable regulatory shift, the U.S. Securities and Exchange Commission (SEC) has dismissed its lawsuit against Binance and its founder, Changpeng Zhao. The case, which alleged unregistered securities operations, was dropped as the SEC forms a new crypto task force aimed at fostering innovation in the digital asset space.","Bitcoin ETF Flows","Bitcoin ETF flows began the week strong, with $385.4 million in net inflows on Monday, May 27, largely driven by BlackRock’s IBIT and contributions from VanEck and Grayscale BTC. Tuesday saw another solid print of $432.7 million, before flows reversed sharply on Wednesday, May 29. That day recorded a massive -$346.8 million in net outflows, with heavy redemptions from Fidelity, Bitwise, ARK, and Grayscale GBTC. The overall trend suggests early-week optimism gave way to significant profit-taking or rebalancing from institutions mid-week.","Ethereum ETF Flows","Ethereum ETF flows held steady and positive throughout the week, showing resilience despite volatility in BTC markets. From Monday to Wednesday, ETH products recorded consecutive net inflows totaling $172 million, with strong contributions from BlackRock (ETHA), Fidelity, and Grayscale ETH. While Grayscale posted a modest -$4.6 million outflow on Thursday, the total week remained firmly in the green at over $230 million. The consistent ETH accumulation highlights ongoing institutional interest and may reflect positioning ahead of upcoming product developments or macro catalysts.","Bitcoin Flows Off Exchanges as Holders Turn Long-Term","Bitcoin exchange reserves continue to plummet to multi-year lows, signaling a persistent trend of coins moving off centralized platforms and into long-term storage. This steady outflow, visible in the latest CryptoQuant data, contrasts sharply with the upward trajectory of BTC’s price, highlighting a tightening supply dynamic. With fewer coins available to meet ongoing demand, the declining reserve trend may be contributing to bullish momentum and reinforcing the market’s supply-side pressure.","Credit Unions Go Blockchain with Metallicus and GoWest","In a major push toward modernizing community finance, Metallicus and GoWest Solutions have partnered to give credit unions access to the Metal Blockchain Banking Innovation Program, which empowers them to test and implement blockchain-powered solutions built for the real world. The program offers compliant infrastructure and tools such as white-labeled Metal Pay wallets, digital identity with verifiable credentials, and next-gen fraud prevention systems built on private subnets. Through this initiative, GoWest’s network of credit unions can now test and adopt secure blockchain technology tailored to their members' needs,  all while upholding the credit union ethos of trust, service, and accessibility. The program is available at no cost to all GoWest member institutions. Learn more.","Top Gainers on Metal Pay","LOAN Protocol led the week with a strong 19.7% gain, extending its momentum as activity across lending markets picked up. Metal Blockchain followed with a solid 9.4% rise, boosted by institutional adoption news from credit unions. XPR Network climbed 5.9%, marking a third consecutive week of upward movement, while Ethereum held flat at +0.6% despite volatile flows. Bitcoin dipped -3.6%, as ETF outflows and macro pressure weighed on price, a rare divergence from the strength in emerging DeFi assets.","These assets and more available on Metal Pay!","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-30-may-2025"},"/news-insights/crypto-news-27-june-2025":{"version":1,"title":"Crypto News - 27 June 2025 — Metal Pay - Crypto, The Right Way.","description":"“July Will Be a Big Month” according to Crypto Czar as Stablecoin Adoption Accelerates","keywords":"","h1":["Crypto News - 27 June 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 27, 2025","According to White House “crypto czar” David Sacks, July could mark a watershed moment for U.S. crypto policy. “July will be a big month, with a bill signing for GENIUS, and CLARITY going to the Senate!” he emphasized. With stablecoin legislation and market-structure bills both gaining momentum -and President Trump voicing strong support for swift approval, the crypto industry is bracing for what may be the most pivotal regulatory shift since its inception.","Crypto markets traded mostly sideways this week as investors weighed growing institutional adoption against renewed regulatory scrutiny. Stablecoins remained front and center, driven by major developments from firms like Fiserv. Meanwhile, the Financial Action Task Force (FATF) issued a stern call for tighter global compliance, citing persistent gaps and growing illicit use. Amid this regulatory pressure, Bitcoin ETFs posted their strongest week of June, while Ethereum ETFs saw early optimism fade by week’s end. The stablecoin race is heating up, just as the regulatory spotlight intensifies.","Fiserv Enters Stablecoin Race With FIUSD Launch","Fintech giant Fiserv has announced plans for FIUSD, its new stablecoin built in partnership with Circle, Paxos, and launching on Solana, targeted at regional banks and merchants. The move coincides with Fiserv’s growth in stablecoin capabilities, including a partnership with PayPal and deep integration into Mastercard’s network. The announcement triggered an 8% boost in Fiserv’s stock price and reflects mounting industry confidence, especially as U.S. stablecoin legislation gains momentum.","Thank you to American Banker for their recent coverage of the Metallicus Stablecoin Pilot.","We are proud to support institutions and credit unions in the Metal Blockchain Banking Innovation Program as they explore a compliant path to an on-chain financial future. Read the full feature here.","Global financial crime watchdog calls for action on crypto risks","The Financial Action Task Force (FATF) - the global financial crime watchdog, released a report urging countries to strengthen frameworks around digital assets. The report highlights that only 40 out of 138 jurisdictions fully comply with crypto standards, despite $51 billion moving through illicit wallets last year. FATF specifically called out stablecoins as a key vulnerability, warning they’re increasingly used by North Korea and terrorist groups. Expect rising pressure for coordinated regulation in coming months.","Bitcoin ETF Flows: Strong Weekly Momentum","Spot Bitcoin ETFs continued their solid performance this week, posting four consecutive days of inflows. Monday opened with $350.6M in net inflows, followed by a robust $588.6M on Tuesday. Inflows remained high on Wednesday with $547.7M, before slowing on Thursday to $226.7M. BlackRock led the charge across all sessions, with notable contributions from Fidelity and Ark. The consistent demand for BTC ETFs reflected growing institutional confidence, especially as macro uncertainty persisted. Overall, the week was one of the strongest for Bitcoin ETF inflows this month.","Ethereum ETF Flows: Early Optimism Fades by Week’s End","Ethereum ETFs started the week with a strong showing, capturing $100.7M in inflows on Monday, led by Fidelity and Grayscale. Tuesday added another $71.3M, and Wednesday held firm with $60.4M. However, Thursday brought a sharp reversal as Grayscale saw notable outflows, dragging total flows for the day to -$26.4M. Despite the weak finish, Ethereum ETFs ended the week net positive. The data continues to suggest that investors are still warming up to ETH ETFs, but with more hesitancy than BTC counterparts.","Top Gainers 7 Day Chart (Coins Available on Metal Pay)","Markets traded mostly sideways this week, with Bitcoin (BTC) managing to edge out a modest gain of +0.9%, defying broader weakness. All other tracked assets dipped into the red - Metal Blockchain (METAL) dropped -1.9%, while Litecoin (LTC) slipped -2.4%. Solana (SOL) and XPR Network (XPR) were the week’s laggards, down -3.3% and -3.6% respectively. Sentiment remained muted as traders awaited further regulatory clarity and macroeconomic cues.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-27-june-2025"},"/news-insights/crypto-news-13-june-2025":{"version":1,"title":"Crypto News - 13 June 2025 — Metal Pay - Crypto, The Right Way.","description":"Late-week strike rattles markets, crypto stabilizes amid global uncertainty","keywords":"","h1":["Crypto News - 13 June 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 13, 2025","Markets were shaken late this week after Israel launched a coordinated military strike on Iranian nuclear and military sites, triggering broad risk-off sentiment across equities and crypto. The offensive, which began on Thursday (June 13 PST), caused Bitcoin to briefly dip below $103,000, while oil prices surged and stock indices pulled back sharply. Gold and the U.S. dollar rallied as traders fled to safe havens. Though tensions remain high, crypto markets have shown signs of stabilizing heading into the weekend, with investors watching closely for signs of escalation or diplomatic response.","CLARITY Act Advances Toward Full VoteThe bipartisan CLARITY Act, aimed at providing clear jurisdictional boundaries between the SEC and CFTC for digital assets, cleared two key House committees this week. The bill would establish whether a token is a security or commodity at issuance and over time, providing long-sought legal clarity for developers and exchanges. Lawmakers expect the full House to vote later this month.","Walmart and Amazon Eye Stablecoin RolloutsBoth Walmart and Amazon are reportedly exploring launching their own stablecoins to lower transaction costs and streamline payments across their vast ecosystems. However, insiders say the plans hinge on the passage of the GENIUS Act, the pending stablecoin bill that would allow non-bank entities to issue regulated digital dollars. If greenlit, the move could bring crypto into the daily lives of millions.","Bitcoin ETF Flow: Strong Early Week Inflows Fade","Bitcoin ETFs began the week with a surge of institutional confidence, pulling in over $800 million between Monday and Tuesday. IBIT and Fidelity led the inflows, with a notable $336.7 million from BlackRock on June 10. However, Thursday saw the trend cool, particularly with a sharp $197.2 million outflow from FBTC, closing the week with a modest net positive of $386 million. Overall, the activity reflected cautious optimism ahead of macro volatility later in the week.","Ethereum ETF Flow: Breakout Week with Over $530M Inflows","Ethereum ETFs saw their strongest performance in weeks, with over half a billion dollars in net inflows across major products. BlackRock’s ETHA brought in nearly $429 million, while Grayscale’s ETHE and several smaller products contributed to a broad-based bullish wave. Wednesday alone posted $240 million in net ETH ETF inflows, suggesting renewed institutional interest as Ether recovered against market jitters.","Top Gainers: LOAN Outpaces the Pack","While overall market momentum was mixed, LOAN Protocol stood out with a solid +6.5% gain on the week, buoyed by continued lending demand. Ethereum and Bitcoin managed to hold modest green territory, closing at +0.7% and +0.3% respectively. On the downside, Ripple fell -1.7%, while Litecoin posted a -3.2% decline. Price action across most majors remained relatively muted as geopolitical headlines dominated investor sentiment.","LOAN Holders: Shape the Future of Metal X Lending","LOAN Protocol governance is thriving, and your vote matters. As a $LOAN holder, you have the power to influence which markets earn rewards, which assets are added, and how the protocol grows. Simply connect your WebAuth Wallet to gov.xprnetwork.org, Join the LOAN Protocol community, review the proposals, and cast your vote.","Remember: the more $LOAN you hold, the greater your influence. And if you’ve staked your LOAN at lending.metalx.com/stake, your voting power is multiplied based on your staking duration - up to 4x. For example, if you stake 1m LOAN at 4x multiplier you instantly get 4m LOAN worth of voting power on proposals.","🗳️ Proposal 1 – Expand LOAN Rewards to XLTC and XXRPExpanding incentives to the Litecoin and Ripple lending markets could improve liquidity, increase platform engagement, and reinforce Metal X Lending’s position as the go-to multi-chain lending platform. VOTE NOW","🗳️ Proposal 2 – Add SOL to the LOAN Lending MarketSolana (SOL) is one of the most active chains in crypto. Adding it to the LOAN Protocol would allow borrowing and lending, driving new TVL, and attracting users from the Solana ecosystem. VOTE NOW","🗳️ Proposal 3 – Add ADA to the LOAN Lending MarketCardano (ADA) remains one of the most widely held digital assets. This proposal would enable ADA lending on Metal X, unlocking new DeFi activity and helping to grow the protocol. VOTE NOW","Whether you’re staking for 2x or maxing out at 4x voting power, now’s the time to get involved and help direct the growth of the LOAN Protocol and Metal X Lending.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-13-june-2025"},"/news-insights/crypto-news-4-july-2025":{"version":1,"title":"Crypto News - 4 July 2025 — Metal Pay - Crypto, The Right Way.","description":"House Declares Mid-July “Crypto Week” Ahead of Major Votes and DappRadar joins XPR Network","keywords":"","h1":["Crypto News - 4 July 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 4, 2025","The U.S. House has designated July 14-18 as official “Crypto Week,” during which lawmakers plan to consider three major bills: the GENIUS Act, the CLARITY Act, and the Anti‑CBDC Surveillance State Act. Spearheaded by Speaker Mike Johnson, Chairman French Hill, and Majority Leader Steve Scalise, the initiative signals a strong Republican push to establish the U.S. as a global leader in digital assets while legislating consumer protections and stablecoin issuance frameworks.","Palmer Luckey Backs Crypto-Focused Digital Bank ‘Erebor’","Palmer Luckey, co-founder of Oculus and Anduril, is entering the fintech space with Erebor, a digital bank backed by Founders Fund and 8VC. The startup, valued at $2 billion in its Series A, plans to offer services like crypto-collateralized lending and is applying for a U.S. banking charter. Erebor’s emergence underscores growing interest in bank-charter crypto ventures amid regulatory momentum.","J.P. Morgan Scales Back Stablecoin Growth Forecast","J.P. Morgan significantly revised its long-term stablecoin forecasts this week, now estimating their value could reach $500 billion by 2028, down sharply from prior trillion-dollar projections. The investment bank warned that stablecoin usage remains limited - especially for retail and payments, citing fragmentation and uncertain regulation as headwinds.","Europe Urged to Embrace Stablecoins, Not Fear Them","The Financial Times editorial board cautioned Europe against shunning stablecoins, arguing they could modernize capital markets and improve cross-border payments. With frameworks like MiCA and the EU’s DLT pilots in place, the article urged a proactive embrace over regulatory overreach to avoid ceding digital finance leadership.","DappRadar Joins XPR Network as Block Producer","DappRadar, the world’s leading dapp analytics platform, has joined XPR Network as a Block Producer, bringing trusted infrastructure and increased visibility to the chain’s growing ecosystem. In addition to helping secure the network, DappRadar will spotlight XPR-based projects across its global discovery platform.","Skirmantas Januskas, CEO of DappRadar, shared: “Being at the forefront of dapp discovery for over seven years, we’ve seen firsthand how gas fees and complexity limit user adoption across the Web3 ecosystem. XPR Network’s feeless model and integrated identity solutions address these fundamental challenges. We’re excited to contribute our infrastructure support to help XPR Network achieve its vision of accessible, transparent Web3 infrastructure.”","XPR Network operates on a delegated proof-of-stake model, where token holders stake and vote for BPs to maintain performance and governance. With native identity, feeless transactions, and a growing DeFi layer powered by Metal X and LOAN Protocol, XPR Network is quickly becoming a chain of choice for developers and institutions.","XPR holders can support DappRadar by staking XPR via WebAuth Wallet or the XPR Block Explorer and selecting DappRadar as one of their four required BP votes.","Bitcoin ETF Flows: Choppy Midweek Rebound After Heavy Outflows","Bitcoin ETF flows opened the week on a muted note, with just $102.1M in net inflows on Monday. Tuesday saw sharp outflows totaling -$342.2M, led by significant redemptions from Fidelity (-$172.7M), Grayscale (-$119.5M), and Ark (-$27M). Sentiment flipped back midweek, with Wednesday bringing $407.8M in inflows, and Thursday surging to $601.8M in one of the month’s strongest single-day performances. BlackRock, Fidelity, and Ark led the rebound, suggesting renewed institutional confidence heading into Q3. Despite volatility, net weekly flows were positive.","Ethereum ETF Flows: Late-Week Rally Lifts ETH Back Into Positive Territory","Ethereum ETF activity was mixed throughout the week, with Monday logging modest inflows of $31.8M. Tuesday saw gains continue with $40.7M, but momentum collapsed midweek as Wednesday’s flows dropped to -1.9M on outflows from BlackRock and Grayscale. However, Thursday staged a strong comeback, pulling in $148.5M - the best daily performance for ETH ETFs in recent weeks. The rebound pushed Ethereum ETF flows solidly into the green for the week, reflecting improved market sentiment and renewed interest ahead of July’s regulatory catalysts.","Weekly Top Gainers (Coins Available on Metal Pay)","Metal Blockchain (METAL) led the market with a massive +45.2% weekly gain, powered by renewed interest in its growing ecosystem and continued momentum from the Stablecoin Pilot rollout. Hedera (HBAR) climbed +7.2% as enterprise adoption buzz persisted, while Ripple (XRP) added +6.7% amid ongoing optimism for legal clarity. XPR Network (XPR) also moved higher at +5.4%, helped by active governance proposals and growing on-chain participation. Litecoin (LTC) rounded out the top gainers with a +3.8% rise, rebounding from last week’s dip as Bitcoin ETF flows turned positive.These coins and more available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-4-july-2025"},"/news-insights/crypto-news-11-july-2025":{"version":1,"title":"Crypto News - 11 July 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Hits New All-Time High as ETF Inflows Explode Ahead of ‘Crypto Week’","keywords":"","h1":["Crypto News - 11 July 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 11, 2025","Bitcoin broke into price discovery this week, setting a new all-time high of $118k, as inflows into U.S. spot Bitcoin ETFs surged. The milestone comes just ahead of the much-anticipated “Crypto Week” in Congress (July 14 - 18), where lawmakers will vote on three major bills: the GENIUS Act, CLARITY Act, and Anti-CBDC Surveillance State Act. With both market momentum and political focus aligned, crypto is once again front and center on Wall Street and Capitol Hill.","Broker Rule Sparks Industry Backlash Ahead of Key Votes","On Friday, the U.S. Treasury and IRS finalized the controversial “crypto broker” rule, expanding the definition to include decentralized exchanges, wallet providers, and node operators. Under the new guidance, any party “facilitating” digital asset sales must report transactions exceeding $10,000, similar to traditional broker-dealer obligations.","Industry leaders have condemned the rule as unworkable for decentralized infrastructure. House Majority Whip Tom Emmer and Financial Services Chair Patrick McHenry both issued sharp rebukes, calling for a full repeal. The rule is expected to be a flashpoint during Crypto Week’s House debates.","Bitcoin ETF Flows: Massive Surge Ahead of ATH","Bitcoin ETF flows exploded this week, posting a jaw-dropping $1.175 billion net inflow yesterday alone!!. That’s the highest daily total in weeks, driven by BlackRock ($448.5M), Fidelity ($324.3M), and Ark ($268.7M). The week started slow, with underwhelming flows on July 8 and 9 , but the Thursday spike coincided perfectly with BTC hitting new highs, signaling deep institutional conviction.","Overall, Bitcoin ETFs ended the week solidly in the green, reinforcing the bull case ahead of upcoming legislative clarity.","Ethereum ETF Flows: Building Quiet Strength","Ethereum ETF flows mirrored BTC’s momentum, capped by a $383.1M inflow yesterday,   Ethereum’s strongest ETF day yet. The week was otherwise steady, with modest inflows across BlackRock, Fidelity, and Grayscale. Combined with bullish macro tailwinds and tokenization narratives, Ethereum continues to gain favor with allocators positioning for a post-regulatory rally.","Weekly Top Gainers (Coins Available on Metal Pay)","Metal Blockchain (METAL) dominated the weekly leaderboard with a +52.3% surge, continuing its impressive rally on the back of growing attention around its stablecoin infrastructure and expanding institutional engagement. Hedera (HBAR) followed with a +31.0% gain, likely benefiting from increased enterprise chatter and ecosystem news. Dogecoin (DOGE) bounced +30.0% as memecoin hype made a return, while Ripple (XRP) rose +27.9%, buoyed by optimism ahead of next week’s congressional votes on crypto regulation. Rounding out the top five, XPR Network (XPR) climbed +23.8%, fueled by ecosystem growth and elevated on-chain activity across the Metal X and LOAN Protocol platforms.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-11-july-2025"},"/news-insights/crypto-news-20-june-2025":{"version":1,"title":"Crypto News - 20 June 2025 — Metal Pay - Crypto, The Right Way.","description":"GENIUS Act gains traction, FED holds rates steady and Metallicus launches Stablecoin Pilot","keywords":"","h1":["Crypto News - 20 June 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 20, 2025","This week, the crypto industry saw a potential regulatory breakthrough as bipartisan lawmakers introduced the Genuine Innovation and Upliftment of Startups (GENIUS) Act in Congress. The bill proposes a safe harbor for blockchain startups, granting them a 24-month window to develop and launch decentralized networks before being subject to certain federal securities laws","The Act passed the senate this week now it’s awaiting a vote in the House of Representatives If it passes there it will move to the President’s desk for signature. Many in the crypto industry are watching the House closely now for what could be a major regulatory milestone paving the way for widespread stablecoin adoption.","Federal Reserve Holds Rates Steady","On Wednesday, the Federal Reserve announced it would leave interest rates unchanged, maintaining its benchmark rate at a 23-year high. While acknowledging signs of cooling inflation, Fed Chair Jerome Powell emphasized that it was “too early to declare victory.” Crypto markets initially reacted cautiously but gained traction later in the week as broader investor sentiment turned risk-on.","Metallicus Launches Stablecoin Pilot for Financial Institutions","San Francisco-based blockchain company Metallicus unveiled a new Stablecoin Pilot Program this week, inviting financial institutions to test private, interoperable stablecoin infrastructure within a secure sandbox. The program, exclusive to members of the Metal Blockchain Innovation Program, lets institutions simulate real-world stablecoin payment flows without holding or transferring real money. The goal is to simplify adoption and ensure regulatory alignment before going live on The Digital Banking Network (TDBN), a network purpose-built for blockchain-era financial services.","Bitcoin ETF Flows: A Week of Choppy Inflows and Outflows","The week kicked off with strong net inflows for U.S. spot Bitcoin ETFs, totaling $412.2 million on Monday, led by IBIT ($266.6M) and FBTC ($83M). However, sentiment quickly reversed on Tuesday, June 17, as outflows mounted across multiple issuers, most notably Fidelity (-$208.5M), ARK (-$191.4M), and Bitwise (-$22.8M) - bringing net flows down to $216.5M despite BlackRock’s solid $639M contribution. Wednesday saw a modest recovery, with net inflows of $388.3M, but Thursday flows were absent, due to Thursday being a public holiday in the US. Overall, Bitcoin ETFs ended the week net positive but with notable volatility midweek.","Ethereum ETF Flows: Uneven Interest Amid Macro Caution","Ethereum ETFs posted a net gain for the week, though inflows were more restrained compared to Bitcoin. Monday and Tuesday brought in $21.4M and $11.1M respectively, despite some outflows from Fidelity and Grayscale. The strongest single-day performance came Wednesday, with $19.1M in net inflows led by BlackRock and Bitwise. The overall picture shows a cautious but steady uptick in Ethereum ETF demand, likely influenced by broader market uncertainty and anticipation of regulatory movement, especially on the stablecoin front.","Top Gainers (Coins Available on Metal Pay)","Only Metal Blockchain (METAL) finished the week notably in the green, climbing +12.7% thanks to attention from the stablecoin pilot launch and increasing institutional traction. Litecoin held slightly positive at +0.6%, while Ripple (XRP) remained flat. Meanwhile, Bitcoin (-0.7%) and Solana (-1.2%) posted small weekly losses amid broader market indecision.","Graze on Bitcoin with Automatic Buys 🐐","The goat doesn’t time the market, he grazes. Looking to build your crypto stack without worrying about timing the market? Metal Pay’s Automatic Buys feature makes it easy with a strategy known as Dollar Cost Averaging (DCA) - investing a fixed amount on a regular basis, regardless of price. Starting from just $15, set daily, weekly or monthly buys, and auto-invest seamlessly","Available on the Metal Pay app.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-20-june-2025"},"/news-insights/crypto-news-1-august-2025":{"version":1,"title":"Crypto News - 1 August 2025 — Metal Pay - Crypto, The Right Way.","description":"SEC Launches ‘Project Crypto’ as GENIUS Act Takes Effect","keywords":"","h1":["Crypto News - 1 August 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 1, 2025","This week, the regulatory landscape continued to shift following President Trump’s recent signing of the GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins), with federal and state-level agencies preparing for the next phase of implementation. The Act introduces a comprehensive framework for stablecoin issuance, requiring 1:1 reserve backing in dollars or short-dated Treasurys, monthly attestations, and full compliance with the Bank Secrecy Act. Enforcement will begin either 120 days after final rules are published or by January 2027, whichever comes first. Legal experts have praised the bill for providing long-needed clarity while cautioning that its effectiveness depends heavily on how regulators interpret and apply its provisions in practice.","SEC Launches ‘Project Crypto’ to Streamline Digital Asset Oversight","On July 31, SEC Chairman Paul Atkins unveiled a sweeping regulatory initiative dubbed Project Crypto, aimed at modernizing securities regulation in alignment with on-chain infrastructure and digital finance models. The initiative proposes new clarity on when digital assets qualify as securities, supports regulatory frameworks for staking and DeFi services under a unified licensing regime, and seeks to integrate tokenized securities and crypto-native firms into the traditional capital markets. Analysts view Project Crypto as a clear sign that the SEC is pivoting toward supportive regulation following the passage of key bills like GENIUS.","State-Level Crypto Reforms Focus on ATM Licensing and Fraud Protection","At least 40 U.S. states have introduced legislation in the 2025 session targeting crypto access and consumer protections at the local level. Among them, Nebraska enacted regulations requiring ATM operators to acquire state licensure, cap transactions at $2,000 per day for new clients, and refund customers for fraudulent activity. The rules also mandate transparent warnings about crypto-related risks. These actions reflect growing bipartisan consensus at the state level that digital asset infrastructure needs clearer oversight - especially around in-person access and money laundering vulnerabilities.","Bitcoin ETF Flows: Early Optimism Fizzles as Outflows Mount Midweek","Bitcoin ETF flows opened the week on a strong note, with $157.1 million in net inflows recorded on July 28. BlackRock and Fidelity led the day with $147.4 million and $30.9 million respectively, although minor outflows from Bitwise and ARK hinted at early uncertainty. That optimism was short-lived. On July 29, outflows from Bitwise and ARK widened, and Grayscale logged another $49 million exit, pulling total flows down to $80 million. By July 30, inflows slowed further to just $47.1 million, despite moderate contributions from BlackRock and Bitwise. On July 31, the tide turned negative again. Fidelity withdrew $53.6 million, ARK saw $89.9 million in redemptions, and Grayscale continued its streak of outflows. In total, Bitcoin ETFs shed $114.8 million that day, erasing earlier weekly gains and suggesting institutional investors are reassessing short-term market exposure amid policy recalibration.","Ethereum ETF Flows: Solid Start, But Late-Week Momentum Fades","Ethereum ETF flows mirrored Bitcoin’s early strength before slowing in the second half of the week. Monday opened with $65.2 million in net inflows, driven by continued participation from BlackRock despite a $49.2 million outflow from Fidelity and $17.6 million from Grayscale. July 29 marked the week’s high point, with $218.6 million in fresh capital added across ETHA and other products. However, the rally lost steam quickly. On July 30, net inflows slowed to just $5.8 million, despite modest support from Grayscale’s ETHE product. By July 31, inflows had almost vanished, with just $17 million added on the day, mostly from Fidelity. The trend suggests Ethereum continues to attract interest in a supportive regulatory environment, but momentum is beginning to flatten as traders eye broader macro and implementation risks.","Top Gainers: METAL and LOAN Lead the Week as On-Chain Utility Expands","The LOAN Protocol token (LOAN) jumped 11.2% this week following the launch of new incentive rewards across XRP and LTC markets on the XPR Network. Users can now lend or borrow these assets on Metal X to earn yield in $LOAN, boosting demand for the token and expanding its on-chain utility. Meanwhile, Metal Blockchain (METAL) led all major tokens with a 24.7% gain, as renewed interest in real-world asset integration and cross-chain deployments lifted sentiment. XPR Network (XPR) climbed 2.4% on the back of LOAN activity and continued ecosystem expansion. Hedera (HBAR) and Ripple (XRP) posted modest gains of 2.0% and 0.7% respectively.","You can find these cryptocurrencies and more, on Metal Pay. Lowest rates, best service.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-1-august-2025"},"/news-insights/crypto-news-18-july-2025":{"version":1,"title":"Crypto News - 18 July 2025 — Metal Pay - Crypto, The Right Way.","description":"Crypto Week Kicks Off as Landmarkt","keywords":"","h1":["Crypto News - 18 July 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 18, 2025","During a busy week of congressional action dubbed “Crypto Week,” the U.S. House passed three landmark crypto bills. The GENIUS Act, aimed at regulating stablecoins with reserve and transparency mandates under a dual federal-state framework, cleared the House 308–122 and is now headed to President Trump’s desk for signature. Meanwhile, the CLARITY Act advanced through a procedural vote, potentially resolving years of ambiguity around whether crypto assets fall under the SEC or CFTC. In parallel, the Anti‑CBDC Surveillance State Act passed narrowly, blocking any Federal Reserve digital currency initiative and signaling lawmakers’ concern for privacy. Although procedural delays and internal GOP divisions held the process up midweek, the eventual passage is being hailed as a major step toward firm regulatory footing in Washington.","Bitcoin Topples $123,000 as Regulatory Certainty and ETF Inflows Align","Cryptocurrency markets responded strongly to congressional action and ETF dynamics. Bitcoin surged past $123,000, its highest value ever - driven by optimism around the GENIUS and CLARITY Acts and record ETF inflows. Analysts say reduced short-seller activity and regulatory certainty have strengthened institutional sentiment. Institutional interest remains consistent but is gaining traction, with major corporations like MicroStrategy adding to demand . Meanwhile, Ethereum also rallied as stablecoin frameworks and on-chain use cases added fuel to the wider market rally .","Bitcoin ETF Flows: A choppy week ends with strong momentum","Bitcoin ETF flows began the week uenevenly as mixed sentiment around congressional debates briefly weighed on investor appetite. On July 14, spot Bitcoin ETFs pulled in just $297.4 million in net flows, with ARK logging a substantial $99.6 million in outflows and Fidelity trailing at negative $26.1 million. The trend improved slightly on July 15, with net inflows climbing to $403.1 million, although Grayscale’s GBTC saw a $41.2 million outflow. The real momentum returned midweek, with July 16 marking a breakout day as BlackRock alone attracted $763.9 million, contributing to a total daily net inflow of $799.4 million. By July 17, the market continued upward, bringing in $522.6 million across issuers. While early outflows reflected caution during regulatory uncertainty, institutional conviction bounced back sharply as the GENIUS and CLARITY Acts passed through Congress, pushing cumulative flows above $2 billion for the week.","ETF Flows: BlackRock Surge Powers Record-Breaking Week","Ethereum ETFs experienced a major upswing in inflows throughout the week, culminating in one of the strongest stretches since launch. Starting with $259 million on July 14 and dipping slightly to $192.3 million on July 15, the market gained renewed traction midweek. July 16 saw a dramatic surge, with BlackRock leading the charge at $499.2 million and total net inflows hitting $726.6 million across products. The rally continued into July 17 with an additional $602 million, driven again by BlackRock’s ETHA product and supported by healthy participation from Fidelity, Bitwise, and Grayscale. With over $1.5 billion in net flows in just two days, Ethereum’s ETF narrative is gaining legitimacy, signaling growing demand for institutional-grade ETH exposure amid broader optimism surrounding stablecoin legislation and on-chain finance narratives.","Top Gainers on Metal Pay - Coins in Focus: LOAN & XPR Take the Spotlight","LOAN Protocol led weekly gains with an impressive +47.7% surge, driven by heightened governance participation on Metal X and momentum from Crypto Week’s policy wins. XPR Network followed closely, up 44.4%, bolstered by increased attention, activity and fresh decentralized finance integrations. Other notable movers include Hedera (+29.8%), Ripple (+23.6%), and Dogecoin (+21.9%) as traders rotated capital into altcoins with strong narrative momentum and network effects. These tokens all feature on Metal Pay, reinforcing Metal’s role in facilitating access to high-velocity assets.","LOAN Protocol rewards for XRP and LTC Holders are LIVE!","Rewards are now live for XRP and LTC lending and borrowing markets on the Metal X App, following a successful community governance proposal to expand incentives. Users can now earn $LOAN tokens by participating in these newly boosted markets, adding yield opportunities for holders of two of the most popular digital assets. To view the current APY and start earning, visit lending.metalx.com/markets and supply or borrow XRP or LTC through the app. This update reflects continued momentum for the LOAN Protocol and reinforces Metal X as a growing hub for multi-chain DeFi.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-18-july-2025"},"/news-insights/crypto-news-25-july-2025":{"version":1,"title":"Crypto News - 25 July 2025 — Metal Pay - Crypto, The Right Way.","description":"GENIUS Act Signed Into Law as Bitcoin Hits New ATH","keywords":"","h1":["Crypto News - 25 July 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 25, 2025","President Donald Trump officially signed the GENIUS Act into law on July 18, marking the most significant crypto legislation in U.S. history. The bill introduces a federal framework for stablecoins, requiring issuers to maintain one-to-one backing with dollars or low-risk assets, register under a dual licensing regime, and comply with routine audits. The signing ceremony was held at the White House alongside Republican leaders, who celebrated the bill as a cornerstone of America’s digital asset strategy. Industry reaction was overwhelmingly positive, with many seeing it as a green light for U.S. banks, fintech firms, and DeFi protocols to pursue compliant stablecoin issuance and tokenized finance. While implementation timelines remain unclear, the law solidifies America’s pivot toward regulated crypto innovation and positions the U.S. as a global stablecoin leader.","Bitcoin Surges to $123K Before Brief Correction as Market Caps Hit $4 Trillion","Following the passage of the GENIUS Act, Bitcoin soared to a new all-time high above $123,000 early in the week. The rally propelled the total crypto market cap past $4 trillion for the first time, fueled by investor optimism over regulatory clarity and increased institutional appetite. Ethereum and altcoins followed closely, with ETH approaching $3,500 as capital rotated into Layer 1 and stablecoin-adjacent narratives. However, profit-taking and whale wallet reactivations triggered a late-week pullback. By July 25, Bitcoin had corrected to around $115,500, while Ether, XRP, and Solana each fell 1%-6%. Despite the volatility, analysts remain bullish, citing the GENIUS Act as a major structural tailwind for long-term crypto adoption.","CLARITY and Anti-CBDC Acts Head to Senate After Crypto Week House Wins","While the GENIUS Act was signed into law, two additional crypto bills passed by the House during Crypto Week now head to the Senate. The CLARITY Act, which seeks to define jurisdiction between the SEC and CFTC for digital assets, passed with broad bipartisan support and is expected to be debated in committee next week. Meanwhile, the Anti-CBDC Surveillance State Act, which would block the Federal Reserve from issuing a central bank digital currency, passed narrowly and remains more politically divisive. Lawmakers backing the bills say they are essential to protecting financial privacy and fostering innovation, while critics warn of unintended consequences. The Senate’s decisions on these two bills could shape the next major phase of U.S. crypto policy.","Bitcoin ETF Flows: Heavy Outflows Begin to Reverse Late Week","Bitcoin ETFs experienced significant volatility in flows throughout the week, as investors digested the market rally and began profit-taking. The week opened with sharp outflows totaling $131.4 million on July 21, followed by an even steeper net outflow of $68 million on July 22, led by withdrawals from Bitwise, ARK, and Grayscale’s GBTC. July 23 brought continued selling pressure, as Fidelity recorded a massive $227.2 million in outflows, contributing to a total daily net loss of $85.8 million. However, sentiment began to shift by July 24, with inflows returning across several issuers. BlackRock, Fidelity, Bitwise, and VanEck collectively helped ETFs recover $226.7 million in net inflows. Despite the volatile midweek drawdown, the return of positive flows late in the week suggests institutional buyers may be re-entering positions after the GENIUS Act rally.","Ethereum ETF Flows: Broad Strength and Record Demand Across Issuers","Ethereum ETFs saw strong and consistent inflows throughout the week, positioning ETH as one of the standout assets in institutional circles. After an early-week dip in Grayscale’s ETHE product, which pulled down July 18 flows to $402.5 million, demand quickly rebounded. On July 21, ETH ETFs posted $296.5 million in net inflows, followed by a blockbuster $533.8 million on July 22, driven by BlackRock’s $426.2 million contribution. Flows remained positive on July 23, with another $332.2 million in inflows, led by BlackRock and steady interest across Fidelity, Grayscale, and VanEck. Even on July 24, as Bitcoin ETFs continued to struggle, Ethereum saw $231.2 million in net flows, boosted by Fidelity’s $210.1 million inflow. This four-day run of institutional interest highlights growing conviction around ETH as regulatory clarity and network utility drive broader adoption.","Weekly Top Gainers (Coins Available on Metal Pay)","Markets cooled off this week following last week’s post-GENIUS Act rally, with a mix of modest gains and mild corrections. Litecoin (LTC) led the leaderboard with a +6.0% gain, bouncing back on renewed interest around its role in multi-chain DeFi and increased lending activity. Ethereum (ETH) held slightly positive at +0.6%, reflecting steady institutional inflows even as broader sentiment wavered. On the downside, Metal Blockchain (METAL) dipped -1.6% after strong performance in prior weeks, while Solana (SOL) dropped -2.0% and Bitcoin (BTC) fell -2.8% as traders took profits following the recent all-time highs. With market attention shifting toward policy implementation and macro uncertainty, this week reflected a natural pause in upward momentum.","These coins and more are available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-25-july-2025"},"/news-insights/crypto-news-22-august-2025":{"version":1,"title":"Crypto News - 22 August 2025 — Metal Pay - Crypto, The Right Way.","description":"Fed’s Jackson Hole Speech Ignites Broad Crypto Rally","keywords":"","h1":["Crypto News - 22 August 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 22, 2025","Federal Reserve Chair Jerome Powell’s remarks at the Jackson Hole Symposium today sparked a surge across crypto markets. His comments suggested a growing readiness for interest-rate cuts, driving a wave of optimism among investors. The result was dramatic: Ether leapt 12% toward $4,749, Bitcoin surged 3.5% to roughly $116,493, and altcoins followed suit - XRP rose 6.1%, Solana 8.4%, and Dogecoin jumped 9.4%. The dovish tone lifted risk appetite broadly, sending the crypto market into a pronounced green zone.","Japan Set to Approve First Yen-Pegged Stablecoin (JPYC)","Japan’s Financial Services Agency is preparing to approve JPYC as the country’s first yen-backed stablecoin under its updated rules. The token will be fully collateralized by deposits and JGBs, ensuring 1:1 convertibility. The launch, expected later this year, signals Japan’s intent to accelerate digital payments adoption while giving its financial sector a foothold in the growing global stablecoin market.","U.S. DOJ Signals “Code Isn’t a Crime”","The U.S. Department of Justice announced it will not prosecute open-source crypto developers unless there is clear intent or control over illegal activity. The move addresses fears raised after cases like Tornado Cash, where developers faced action despite not running the service. By separating code authors from bad actors, the DOJ aims to encourage innovation in DeFi and privacy tools without creating a chilling effect.","Metallicus Joins Velera’s Digital Asset Lab as First Platform Partner","Velera, the largest CUSO for U.S. credit unions, named Metallicus the first partner in its new Digital Asset Lab. The initiative will explore compliant integration of stablecoins, tokenization, and blockchain services into credit union offerings. Metallicus will provide infrastructure and expertise, reinforcing its role as a bridge between traditional finance and digital assets.","Bitcoin ETFs: Choppy Week with Heavy Outflows","Bitcoin ETFs faced sharp outflows this week as investors pulled back ahead of Powell’s Jackson Hole remarks. On 19 August, total outflows hit $523.3M, the largest single-day drawdown, with Fidelity’s FBTC (-$246.9M) and Grayscale’s GBTC (-$115.5M) leading the exits. Outflows continued through the week, including -$315.9M on Aug. 20 and -$194.4M on Aug. 21, bringing the 4-day total to well over $1.1B. The selling underscored cautious positioning as BTC consolidated near highs, with flows heavily concentrated around the largest issuers.","Ethereum ETFs: Big Reversal After Days of Pain","Ethereum ETFs staged a dramatic turnaround after four consecutive days of redemptions. Between Aug. 18-20, products shed more than $866M, including a massive -$429.6M on 19 August, with Fidelity’s FETH (-$156.3M) and Grayscale’s ETHE (-$122.0M) among the hardest hit. But on 21 August, ETH funds flipped strongly positive, booking $287.6M in inflows, led by BlackRock’s ETHA (+$233.6M). The reversal suggests institutional appetite remains strong, with ETH positioning itself as the key beneficiary of tokenized finance momentum despite recent volatility.","Top Gainers on Metal Pay (Last 7 Days)","LOAN Protocol (LOAN) led the week with a 16.5% gain, driven by ongoing rewards distribution and strong lending activity. XPR Network (XPR) followed with an 11.7% rise as adoption and staking demand increased across its ecosystem. Ethereum (ETH) advanced 8.5%, supported by the sharp reversal in ETF flows, while Dogecoin (DOGE) added 6.6% amid renewed retail interest. Rounding out the list, Solana (SOL) climbed 6.3% on continued developer momentum and rising institutional traction.","These coins and more are available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-22-august-2025"},"/news-insights/crypto-news-8-august-2025":{"version":1,"title":"Crypto News - 8 August 2025 — Metal Pay - Crypto, The Right Way.","description":"Retirement Plans and Legal Clarity Spark Market Buzz","keywords":"","h1":["Crypto News - 8 August 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 8, 2025","President Trump signed an executive order this week allowing cryptocurrencies, alongside private equity and real estate, to be included in 401(k) retirement plans. The move directs the Department of Labor to revise ERISA rules to permit broader self-directed investment options, potentially opening access to nearly $9 trillion in defined-contribution assets. Supporters argue the policy could democratize access to alternative investments, while critics warn it could expose retirement savers to volatile markets. The order is set to trigger formal rulemaking later this year, with the SEC and DOL jointly overseeing implementation.","SEC Settles with Ripple, Ends Long-Running Legal Dispute","The U.S. Securities and Exchange Commission has ended its years-long lawsuit against Ripple Labs, with the company agreeing to pay a $125 million civil penalty. The settlement closes one of the most closely watched enforcement cases in crypto, in which a federal court previously ruled that Ripple’s institutional sales of XRP violated securities laws, while secondary market sales did not. The resolution removes a major legal overhang for XRP and comes amid a broader shift in the SEC’s approach to digital asset regulation.","Metallicus and DaLand Partner to Bring Stablecoins to the Core","Metallicus announced a new partnership with DaLand CUSO this week, aimed at helping credit unions and community banks integrate stablecoins and digital assets directly into their core systems. The collaboration combines DaLand’s Coin2Core TradFi/DeFi bridge with Metallicus’ regulated blockchain infrastructure, enabling institutions to issue branded stablecoins, custody digital assets, and process real-time payments, all without leaving their existing banking environment.","Bitcoin ETF Flow","Bitcoin ETFs started the week in the red, with net outflows of 323.5 million dollars on Monday and 196.2 million dollars on Tuesday as BlackRock and Fidelity both posted withdrawals. Sentiment turned midweek, bringing 91.6 million dollars of inflows on Wednesday and 277.4 million dollars on Thursday, helped by renewed buying in IBIT and steady contributions from several smaller issuers. The four‑day stretch still finished mixed, but the late‑week rebound suggested institutions were selectively re‑adding exposure.","Ethereum ETF Flows","Ethereum ETFs saw heavy redemptions to begin the week, led by a 465.1 million dollar outflow on Monday as several issuers reported withdrawals. Flows flipped positive after that, with 73.3 million dollars on Tuesday, 35.1 million dollars on Wednesday, and a strong 222.3 million dollars on Thursday driven by BlackRock, Fidelity and Bitwise products. The late surge narrowed the weekly deficit and underscored ongoing allocator interest in ETH after recent regulatory progress.","Weekly Top Gainers (Coins Available on Metal Pay)","LOAN Protocol (LOAN) led the market with a 111.3 percent weekly gain as users chased newly live rewards for lending and borrowing on the XPR Network. (XPR) Network followed with a 38.3 percent rise. Metal Blockchain (METAL) climbed 24.4 percent amid steady ecosystem news, while Ethereum added 18.8 percent and Litecoin gained 14 percent to round out the week’s leaders.","These crypto currencies, and more, available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-8-august-2025"},"/news-insights/crypto-news-29-august-2025":{"version":1,"title":"Crypto News - 29 August 2025 — Metal Pay - Crypto, The Right Way.","description":"Whale-Led ‘Flash Crash’ Jolts Markets; ETH ETFs Hoover Inflows","keywords":"","h1":["Crypto News - 29 August 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 29, 2025","Whale-Led ‘Flash Crash’ Jolts Markets; ETH ETFs Hoover Inflows","24k BTC Whale Triggers Weekend “Flash Crash”","A single large holder unloaded approx 24,000 BTC over the weekend, sparking a sharp, minutes-long drawdown that flushed hundreds of millions in leverage and knocked BTC into the low $110Ks before buyers stepped back in. Flows and chatter since point to a rotation trade: ETH held up relatively better as traders leaned into the ETF bid and L2/DeFi narratives.","U.S. Commerce Puts GDP Data On-Chain (Proof of Concept)","In a first, the U.S. Department of Commerce said it published GDP data across nine blockchains as a PoC to test immutability and distribution of official statistics, explicitly including Bitcoin and Ethereum among the networks used. It’s early and partly symbolic, but it’s a notable “government → public chains” signal.","HBAR Added to Metal X Lending (Borrow or Earn + LOAN Rewards)","Metallicus confirmed Hedera (HBAR) is now live on Metal X Lending / LOAN Protocol. HBAR holders can either use HBAR as collateral to borrow any supported asset on the platform, or lend HBAR to earn interest plus LOAN token rewards - expanding the menu for Hedera users seeking yield or credit without selling spot.","Bitcoin ETF Flow","Bitcoin ETFs kicked off the week strongly with $219.1m inflows on Monday, as buyers rotated back into BTC after the weekend “flash crash.” Momentum slowed midweek but remained positive, with $88.1m on Tuesday and $81.4m on Wednesday, showing steady institutional demand despite choppy spot prices. By Thursday, flows accelerated again to $178.9m, led by renewed appetite for the larger issuers. In total, the four-day stretch added up to 567.5 million dollars, signaling that institutions are selectively re-building positions into dips, even with BTC trading near 108k.","Ethereum ETF Flow","Ethereum ETFs once again outshone Bitcoin on the flow front. The week began with $443.9m worth of inflows on Monday and strengthened further with $455m on Tuesday, the highest single-day intake of the week. Allocations moderated but stayed healthy with $309.5m on Wednesday, before cooling to $39.1m on Thursday as some profit-taking emerged. Altogether, ~1.25 billion dollars entered ETH products over the four sessions, underscoring persistent institutional conviction in Ethereum’s ETF trade even as volatility picked up across the broader crypto market.","Top Gainers on Metal Pay (7-Day Snapshot)","Markets spent most of the week under pressure, but a few tokens managed to hold their ground. Solana (SOL) was the standout, climbing 5.1% and finishing the week as the only major asset in the green , helped by steady DeFi flows and resilient on-chain activity. Among the rest, Metal DAO (MTL) at -3.9% and XPR Network (XPR) at -5.0% proved relatively stable compared to the broader market slide. By contrast, Bitcoin (BTC) and Ripple (XRP) lagged with -6.5% and -6.8% respectively, reflecting the impact of the whale-led flash crash and continued macro jitters. The snapshot highlights how a handful of altcoins weathered the downturn better than the majors, keeping investor focus on relative strength plays.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-29-august-2025"},"/news-insights/crypto-news-5-september-2025":{"version":1,"title":"Crypto News - 5 September 2025 — Metal Pay - Crypto, The Right Way.","description":"U.S. regulators sketch a clearer path for crypto in mainstream finance","keywords":"","h1":["Crypto News - 5 September 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 5, 2025","The Securities and Exchange Commission (SEC) released a rulemaking agenda that, for the first time, specifically proposes new rules for how digital assets can be issued, traded, and handled by brokers and exchanges. In plain English: the SEC is preparing to write clearer instructions instead of relying mainly on court cases. The agenda even contemplates ways certain crypto assets might trade on traditional stock-market venues, which would make access feel more like buying a stock in your brokerage app. These are proposals, not final rules - but it’s a constructive signal for banks, brokers, and everyday investors who’ve been waiting for a consistent U.S. framework.","SEC and CFTC start moving in the same direction on spot crypto","The two top U.S. market regulators issued a joint staff statement about trading certain spot (cash) crypto products and previewed more coordination ahead. Think of this as the end of the “who’s in charge?” era: the agencies are aligning definitions and playbooks so exchanges and brokers don’t get mixed messages. For newer investors, harmonized rules should translate into simpler, safer on-ramps and less regulatory whiplash. The agencies also flagged upcoming public discussions to gather feedback from industry and consumers, which is another sign the rulebook is being built in the open.","House of Doge Treasury launches with $175m plan to make DOGE a reserve asset","House of Doge (the commercial arm of the Dogecoin Foundation) and NYSE-listed CleanCore Solutions (ticker: ZONE) unveiled an “official” Dogecoin Treasury funded through a $175,000,420 private placement of 175,000,420 pre-funded warrants at $1 each; the proceeds are earmarked to buy DOGE and hold it as the company’s primary treasury reserve asset, with support from 21Shares and governance roles for House of Doge leaders (including Foundation director Timothy Stebbing) while high-profile attorney Alex Spiro becomes CleanCore’s board chairman - a move pitched as bringing foundation-backed, corporate-style stewardship and reporting to the meme coin’s next phase.","Bitcoin ETF flow","After the U.S. holiday, money flowed back into spot Bitcoin ETFs. Tuesday saw a strong wave of new shares issued (creations), followed by another sizeable intake on Wednesday. On Thursday, the tone flipped and several funds had redemptions, but not enough to erase the earlier demand. Across those three posted days, the complex still finished net positive by roughly $410 million (about +$333m Tuesday, +$301m Wednesday, −$223m Thursday). Why this matters for beginners: ETFs are the simplest route for retirement accounts and many advisors to own Bitcoin; net inflows usually mean fresh demand from mainstream investors, which can support price over time.","Ethereum ETF flow","Ethereum’s week looked different. Outflows dominated all three posted sessions, adding up to about −$341 million (roughly −$135m Tuesday, −$38m Wednesday, −$167m Thursday). In plain terms, investors took money out of ETH funds even as Bitcoin funds pulled money in. For newcomers, that divergence often signals a short-term rotation toward BTC, the “blue-chip” of crypto - while traders wait for a clearer catalyst on Ethereum.","Top Gainers on Metal Pay (7-Day Snapshot)","Price action was mixed but orderly. Bitcoin climbed about 2.2% over the week, grinding higher into the weekend. Litecoin posted a similar ~2.1% rise, and Dogecoin held a small ~0.3% gain. On the softer side, Ethereum eased ~0.9%, and Solana slipped ~1.0%. If you’re new, the easy takeaway is: Bitcoin led, a few majors followed, and higher-beta names lagged - consistent with the ETF flow story above.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-5-september-2025"},"/news-insights/crypto-news-12-september-2025":{"version":1,"title":"Crypto News - 12 September 2025 — Metal Pay - Crypto, The Right Way.","description":"Nasdaq moves to enable trading of tokenized securities","keywords":"","h1":["Crypto News - 12 September 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 12, 2025","Nasdaq moves to enable trading of tokenized securities","Nasdaq said it is working with U.S. regulators on a plan to allow trading of tokenized securities alongside traditional stocks, reflecting Wall Street’s growing push to bring real-world assets onto blockchains. The exchange is engaging on listing standards and market structure so that tokenized versions of equities and ETFs could be supported on its venues. The effort comes amid a broader thaw in U.S. crypto policy and a wave of tokenization pilots by large financial institutions. Tokenized trading could offer faster settlement, programmability and 24/7 transferability while remaining within existing market safeguards. While no launch date was given, Nasdaq’s move signals that public-market infrastructure is preparing for on-chain asset rails.","Figure soars in Nasdaq debut, raising $787.5M and valuing lender near $7.6B","Blockchain lender Figure Technology Solutions surged in its Nasdaq debut after pricing an upsized IPO at $25 per share, raising about $787.5 million. Shares opened sharply higher and the closing price implied a valuation of roughly $7.6 billion, marking one of the week’s strongest U.S. listings. Figure originates home-equity loans on its Provenance blockchain and says the network is used by major mortgage firms and banks. The offering adds to a resurgence in tech and fintech IPOs as equity markets remain supportive. Investors framed the deal as a signal of mainstream demand for regulated, real-world blockchain use cases beyond pure crypto trading.","BlackRock explores tokenizing ETFs after spot bitcoin success","BlackRock is evaluating ways to issue tokenized versions of exchange-traded funds on public blockchains, according to reports citing people familiar. The firm views tokenization as a natural extension of its experiments in on-chain money-market funds and broader real-world asset initiatives. Tokenized ETFs could enable faster settlement cycles, round-the-clock distribution and more granular ownership while preserving compliance controls. Any rollout would depend on regulatory considerations and market plumbing across custodians and transfer agents. The exploration underscores how the world’s largest asset manager is positioning blockchain as part of its next phase of fund infrastructure.","XLM arrives on Metal X DEX","Metallicus announced this week that Stellar (XLM) is now available for trading on the fully on-chain Central Limit Order Book (CLOB) powered DEX, Metal X. Users can now buy and sell XLM without paying any gas fees, thanks to the XPR Network’s feeless transaction architecture.","Start Trading: https://app.metalx.com/dex/XXLM_XMD","Bitcoin ETF Flows","Bitcoin ETFs started the week with solid buying on Monday, bringing +$364.3m of net inflows led by Fidelity’s FBTC (+$156.5m) alongside ARK’s ARKB (+$89.5m) and BlackRock’s IBIT (+$25.5m). Tuesday was nearly flat at +$23.0m as outflows in FBTC (−$55.8m) and ARKB (−$72.3m) were largely offset by IBIT’s +$169.3m. The strongest day was Wednesday with +$741.5m, powered by FBTC (+$299.0m), IBIT (+$211.2m) and ARKB (+$145.1m). Thursday stayed firm at +$552.7m, with IBIT (+$366.2m) and FBTC (+$134.7m) the main contributors. Overall, the week flipped decisively positive after a soft prior Friday, with large issuers re-adding exposure mid-week.","ETH ETF Flows","Ethereum ETFs opened the week with net outflows on Monday at −$96.7m, driven by BlackRock’s ETHA (−$192.7m) and partly cushioned by Fidelity’s FETH (+$75.2m) plus small Grayscale inflows. Tuesday flipped positive at +$44.2m on ETHA buying. The strongest day was Wednesday with +$171.5m, a broad advance led by ETHA (+$74.5m), FETH (+$49.5m), and smaller adds across ETHV, TETH, ETHE and ETH. Thursday added +$113.1m, paced by FETH (+$88.3m) and ETHW (+$19.6m). Overall, early redemptions gave way to steady mid-week inflows, leaving the week modestly positive.","Top Gainers (Coins Available on Metal Pay)","Dogecoin topped the 7-day board at +25.7%, buoyed by renewed memecoin risk appetite during a broader tech-IPO upswing and tokenization headlines that kept altcoins in focus. Solana (+16.9%) also climbed as interest in high-throughput chains stayed firm, while ecosystem tokens XPR (+16.7%), LOAN (+16.0%) and METAL (+15.0%) held up as sentiment improved across the week. Overall breadth was positive even as bitcoin flows dominated attention mid-week.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-12-september-2025"},"/news-insights/crypto-news-15-august-2025":{"version":1,"title":"Crypto News - 15 August 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin and Ethereum Reach New Highs on Fed Easing Hope","keywords":"","h1":["Crypto News - 15 August 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 15, 2025","Bitcoin surged to a new all-time high of $124,002.49 on 14 August, propelled by growing investor confidence in impending Federal Reserve interest-rate cuts, continued institutional demand, and favorable regulatory developments, including the GENIUS Act and crypto-friendly executive actions under the current administration. Ethereum followed suit, hitting $4,780.04, its highest level since 2021. Overall, the crypto market capitalization climbed above $4.18 trillion, underscoring the bullish sentiment prevailing across digital asset markets.","Fed Streamlines Oversight, Folding Crypto Monitoring into Broad Supervision","The Federal Reserve announced the termination of its specialized “novel activities” supervision program, originally created in 2023 to monitor banks’ crypto and fintech engagement. The Fed stated it has matured in understanding the associated risks and will now integrate crypto-related oversight into its standard regulatory framework. This shift may ease compliance burdens for banks interacting with digital asset services while signaling stabilization in crypto oversight.","Top Firms Line Up for Stablecoin Launches Under New Law","Following the passage of the GENIUS Act, which formalized the first U.S. regulatory framework for stablecoins, several major banks and corporations, including Bank of America, Citigroup, Walmart, and Amazon are actively exploring or planning to launch their own dollar-backed digital tokens. While the legislation paves the way for faster, cheaper payments infrastructure, experts warn that challenges remain, such as choosing between public or private blockchains, ensuring compliance with AML/KYC rules, and navigating capital requirements when holding stablecoin reserves.","Bitcoin ETFs See Mixed Week with Late Surge","Bitcoin ETF flows were more volatile, finishing the week with over $560.0M in net inflows. While early-week gains were tempered by mid-week outflows, a strong Thursday push, including $523.7M into BlackRock’s IBIT- secured the positive close. This rebound comes as BTC continues to consolidate above key technical levels, though inflows were more concentrated than in prior weeks.","Ethereum ETFs Dominate Weekly Inflows","Ethereum ETFs saw a flood of institutional demand this week, booking a massive $2.91B in net inflows. Monday alone brought in over $1.02B, led by BlackRock’s ETHA with $639.8M. The strong momentum continued through mid-week, with multiple >$500M days pushing ETH to the top of the market’s gainers list. Analysts point to a mix of post-regulatory optimism and ETH’s growing role in tokenized finance as drivers of the surge.","Top Gainers on Metal Pay","Ethereum (ETH) led the week’s performance on Metal Pay, climbing 11.6% on the back of blockbuster ETF demand. Solana (SOL) followed with a 5.7% gain amid rising developer activity, while LOAN Protocol (LOAN) added 2.9%, buoyed by ongoing rewards distribution on the XPR Network. Bitcoin (BTC) posted a modest 1.0% gain, and Dogecoin (DOGE) rounded out the list at 0.5%.","All of these digital assets, and more - are available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-15-august-2025"},"/news-insights/crypto-news-26-september-2025":{"version":1,"title":"Crypto News - 26 September 2025 — Metal Pay - Crypto, The Right Way.","description":"SEC Streamlines Approvals for New Crypto ETFs as Markets Slide","keywords":"","h1":["Crypto News - 26 September 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 26, 2025","U.S. securities regulators moved to accelerate the launch of additional crypto exchange-traded funds, unveiling a process to streamline listings across exchanges. The policy shift, coming amid the administration’s broader push to normalize digital-asset market structure, is expected to open the door to a wave of spot and thematic products beyond the existing Bitcoin and Ether funds. Exchanges would be able to list qualifying products after meeting standardized disclosure and surveillance rules rather than seeking one-off, bespoke approvals. Industry participants say the move could deepen liquidity and broaden investor access, while critics urge caution around market integrity and investor protections.","China tells brokers to pause RWA tokenization in Hong Kong","China’s securities regulator has asked some mainland-linked brokerages to suspend real-world-asset (RWA) tokenization activities conducted via Hong Kong units, according to sources cited by Reuters. The guidance, framed as a risk-management step, comes as several firms explored issuing or dealing in tokenized instruments to serve regional investors. The pause underscores Beijing’s continued caution over rapid digital-asset liberalization, even as Hong Kong courts favoring policies designed to attract crypto business. Market observers say the move could slow near-term RWA rollouts and push firms to reassess compliance frameworks and cross-border operational risk.","UK and US outline plans to smooth capital-markets access and deepen crypto cooperation","Officials from the United Kingdom and United States signaled closer coordination on capital-markets access and digital-asset policy, according to statements reported by Reuters. The agenda includes efforts to reduce frictions for cross-border listings and to share insights on crypto policy developments as both jurisdictions update rulebooks. While details remain limited, the cooperation aims to improve regulatory clarity around tokenized instruments, trading venues and market surveillance. Industry groups view the transatlantic engagement as a potential catalyst for harmonization that could benefit compliant issuers and institutions seeking standardized frameworks.","Custom Stablecoins for Credit Unions: Shaping the Future of Payments.","Metallicus CEO, Marshall Hayner and Irina Berkon CFO will lead a breakout session at America’s Credit Unions OME & Technology Council Conference in Phoenix. Topic: “Custom Stablecoins for Credit Unions: Shaping the Future of Payments.” They’ll cover design, compliance, and real-world pilots moving toward production. If you’re attending, join the discussion.","Bitcoin ETF Flows","Monday saw heavy net outflows of about $363m, led by sizeable redemptions at Fidelity’s FBTC, with ARK’s ARKB and WisdomTree’s HODL also negative while BlackRock’s IBIT was flat. On Tuesday, outflows eased to roughly $104m as IBIT inched positive but FBTC and several peers remained in the red. Midweek strength arrived Wednesday with the week’s largest net inflow of about $241m, driven by IBIT (~$129m) alongside FBTC, BITB and ARKB turning positive. Thursday flipped back to notable outflows near $253m despite IBIT’s ~$80m intake, as FBTC, BITB, ARKB and GBTC redemptions outweighed gains. Overall, the week to Thursday closed mixed and volatile, with leadership concentrated in IBIT while broad issuer selling kept totals negative.","Ethereum ETF Flows","Monday opened with net outflows of about $76m, with Fidelity’s FETH and Bitwise’s ETHW among the largest decliners and BlackRock’s ETHA modestly negative. Tuesday worsened to roughly $141m of outflows as FETH led redemptions, joined by ETHW and Grayscale’s ETHE. Wednesday remained weak with about $79m leaving the complex, including additional redemptions at ETHA and FETH. Thursday marked the steepest day, with net outflows near $251m led by heavy selling in FETH and continued withdrawals from ETHE and others. In aggregate, Ether ETFs faced persistent redemptions through Thursday, signaling softer demand versus Bitcoin peers during the risk-off stretch.","Top Gainers (Coins Available on Metal Pay)","A risk-off week left the board in the red, with Bitcoin (BTC) the relative outperformer at −5.3% as it held up best during broad deleveraging. Ethereum (ETH) lagged at −10.0% amid persistent ETF outflows, while Litecoin (−9.5%) and XRP (−7.4%) also softened alongside weaker liquidity. Metal Blockchain (−6.0%) tracked the market’s drawdown. Macro uncertainty around U.S. inflation data and rising outflows from crypto ETFs likely added pressure across majors.","These assets, and more are available for trading on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-26-september-2025"},"/news-insights/crypto-news-19-september-2025":{"version":1,"title":"Crypto News - 19 September 2025 — Metal Pay - Crypto, The Right Way.","description":"SEC streamlines path for spot crypto ETFs and St. Cloud Credit Union to launch ‘Cloud Dollar’ stablecoin","keywords":"","h1":["Crypto News - 19 September 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 19, 2025","The U.S. Securities and Exchange Commission approved generic listing standards that let major exchanges such as NYSE, Nasdaq and Cboe list spot commodity and digital-asset ETFs without the previous case-by-case gauntlet. The change can cut timelines from as long as 240 days to roughly 75 and opens the door for funds tied to assets beyond bitcoin and ethereum, including solana and XRP. Market participants framed the move as a pivotal policy shift that should accelerate product launches while retaining exchange and issuer responsibilities for surveillance and disclosures. Industry desks now expect a wave of filings and faster approvals into Q4, with some products potentially listing as early as October. The decision lands amid broader efforts to fold crypto into mainstream markets under the current administration.","Fed cuts rates 25 bps; crypto holds steady","The Federal Reserve lowered the fed funds target range by 25 basis points to 4.00% - 4.25%, citing a cooling labor market and the need for risk-management easing. Bitcoin and ether were little changed immediately after the widely telegraphed move, with traders focusing on the updated dots that signaled scope for additional cuts this year. Macro desks noted the dollar’s rebound tempered risk appetite even as easier policy should support liquidity into year-end. Derivatives activity picked up as traders added downside protection while leaving room for upside if easing accelerates. Strategists characterized the decision as supportive for digital assets over the medium term but not a near-term catalyst on its own.","St. Cloud Credit Union to launch ‘Cloud Dollar’ stablecoin","Minnesota’s St. Cloud Financial Credit Union said it will issue Cloud Dollar (CLDUSD), which it describes as the first member-facing credit union stablecoin, developed with Metallicus and DaLand CUSO. The token is slated to roll out as part of the credit union’s digital asset vault service, targeting instant, low-cost transfers for members while keeping funds within the institution’s ecosystem. Reporting indicates the project builds on a broader stablecoin pilot program that Metallicus opened to credit unions earlier this year. Observers say the effort highlights how smaller financial institutions may use tokenized deposits or stablecoin rails to compete on payments and deposits. The announcement adds to a growing set of bank and credit-union explorations of blockchain-based settlement in the U.S. market.","Bitcoin ETF Flows","Monday showed solid net inflows of about $259.9 million, led by BlackRock’s IBIT (~$261.8m) with smaller positives at Fidelity’s FBTC and others. Tuesday built on momentum with roughly $292.3 million of net inflows as ARK 21Shares (ARKB) and IBIT contributed alongside minor gains at VanEck’s HODL. Midweek was the weakest day: Wednesday flipped to a net outflow of about $51.3 million as large redemptions at FBTC (~$116m) and ARKB (~$32m) plus Bitwise (BITB ~-$12.6m) and GBTC (~-$62.6m) outweighed IBIT’s +$149.7m. Thursday bounced back to roughly $163.0 million of net inflows, paced by FBTC (~$97.4m), ARKB (~$25.0m), BITB (~$12.8m) and others. Friday’s prints were not yet posted at publication time; overall, the week skewed net positive with sizeable early-week creations despite a brief midweek setback.","Ethereum ETF Flows","Monday opened strong with about $359.7 million of net inflows, dominated by BlackRock’s ETHA (~$363.2m) while Fidelity’s FETH saw small outflows. Tuesday reversed sharply to a net outflow of roughly $61.7 million, driven by FETH (~-$48.1m) and ETHA (~-$20.3m) partially offset by smaller creations. Wednesday was the softest midweek day with a marginal ~$1.9 million net outflow as withdrawals at FETH (~-$29.2m) and ETHW (~-$9.7m) nearly matched ETHA’s +$25.9m. Thursday rebounded with about $213.1 million of net inflows, led by FETH (~$159.4m) with assists from ETHW (~$17.5m), ETHE (~$9.8m) and others. Friday data were not yet posted at publication; overall, ether products finished the week net positive thanks to strong bookends despite a Tuesday slump.","Top Gainers (Coins Available on Metal Pay)","Metal Blockchain (METAL) led the platform’s tracked tokens this week, up 1.5%, edging out Dogecoin (DOGE) and Bitcoin (BTC) while Litecoin (LTC) and Solana (SOL) lagged. The backdrop featured the Fed’s 25 bps rate cut and the SEC’s move to streamline crypto ETF listings, a combo that supported risk assets broadly; DOGE also benefited from attention around new ETF listings. Overall performance was mixed but skewed modestly positive among large-caps.","See the full list of available assets on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-19-september-2025"},"/news-insights/crypto-news-10-october-2025":{"version":1,"title":"Crypto News - 10 October 2025 — Metal Pay - Crypto, The Right Way.","description":"Crypto ETFs log record $5.95B weekly intake as Bitcoin hits highs","keywords":"","h1":["Crypto News - 10 October 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 10, 2025","Global cryptocurrency ETFs took in a record $5.95 billion in the week ending Oct. 4, with U.S.-listed products accounting for the bulk of flows. The surge coincided with Bitcoin setting a fresh all-time high above $126,000 earlier in the week, underscoring strong institutional demand for regulated exposure. CoinShares noted the U.S. led with roughly $5 billion in inflows, followed by Switzerland and Germany at new records of their own. By asset, bitcoin captured the largest share at $3.55 billion, while ether drew $1.48 billion and solana and XRP also posted sizable gains. The flows reflect investors’ continued use of ETFs as the preferred wrapper for digital-asset exposure amid macro uncertainty.","JPMorgan: Stablecoins could add $1.4T to dollar demand by 2027","JPMorgan research estimated that widespread adoption of fiat-backed stablecoins could generate as much as $1.4 trillion in incremental demand for U.S. dollars by 2027. The bank argued that stablecoins increasingly power payments, trading and on-chain finance, creating structural new demand for dollar-linked instruments held as reserves. The note comes as stablecoins have grown into a $300+ billion market led by Tether, with policymakers globally weighing dedicated rules. JPMorgan’s analysis frames stablecoins as a potential tailwind for dollar usage rather than a threat to monetary sovereignty. The forecast will likely feed into ongoing debates over reserve composition, oversight and the role of banks in issuance.","SoftBank’s PayPay backs Binance Japan to expand crypto services","SoftBank-owned PayPay invested in Binance Japan, aligning one of the country’s largest payments ecosystems with a major crypto exchange to accelerate user acquisition and product development. The tie-up aims to broaden crypto access for Japanese consumers within a regulated framework, leveraging PayPay’s scale and Binance Japan’s trading infrastructure. The move highlights renewed corporate interest in digital-asset platforms amid rising retail and institutional engagement. It also underscores Japan’s evolving regulatory clarity, which has encouraged mainstream financial and tech firms to participate. Terms were not disclosed, but both parties signaled plans to deepen integration over time.","Cornerstone League and Metallicus Partner to Bring Stablecoin Innovation to Credit Unions","Metallicus, the core developer of Metal Blockchain, announced a partnership with Cornerstone League, one of the largest regional credit union associations in the U.S., to give member institutions access to the Metallicus Stablecoin Pilot. The program provides a secure sandbox where credit unions can test and issue custom-branded stablecoins using simulated reserves, without handling real funds. Cornerstone, representing over 600 credit unions, said the partnership helps members safely explore blockchain use cases in a regulatory-aligned environment. The Stablecoin Pilot is part of Metallicus’s Banking Innovation Program, which offers blockchain tools for fraud prevention, digital identity, and compliant digital-asset services.","Bitcoin ETF Flows","Monday opened strong with about $1.21B of net inflows, led by BlackRock’s IBIT (~$970M) alongside Fidelity’s FBTC (~$112M) and Bitwise’s BITB (~$60M). On Tuesday, momentum continued with roughly $876M of net inflows as IBIT added ~$899M while Grayscale’s GBTC saw a modest ~$29M outflow. Midweek, Wednesday eased to about $441M, driven again by IBIT (~$426M) with little movement from peers, and Thursday was the weakest day at roughly $198M as IBIT’s ~$256M was partly offset by outflows from GBTC (~$46M) and smaller negatives at FBTC and ARKB. Overall, U.S. spot BTC ETFs posted a robust, four-day net intake of roughly $2.72B for the week, with IBIT clearly dominating flow leadership.","Ethereum ETF Flows","Monday saw about $182M of net inflows, paced by BlackRock’s ETHA (~$92.6M) with support from Fidelity and Bitwise. Tuesday accelerated sharply to roughly $421M as ETHA pulled in ~$437M, partly offset by outflows from Fidelity’s FETH (~$25.7M). The midweek peak was followed by a softer Wednesday near $69M, weighed by a ~$16.7M outflow at Grayscale’s ETHE, and Thursday flipped to a small net outflow of about $8.7M as several issuers posted minor redemptions. In aggregate, U.S. spot ETH ETFs remained net positive across the week, with strength early on tapering into late-week choppiness.","Top Gainers (Coins Available on Metal Pay)","Litecoin led the board this week, up 8.2% over seven days, bucking broader weakness across large-caps. Bitcoin slipped 1.5% after hitting fresh highs earlier in the week, while Hedera (HBAR), Dogecoin and Metal Blockchain held their ground compared to other assets amid a risk-off drift and a firmer U.S. dollar cited in market commentary. Headlines around record ETF inflows early in the week were not enough to keep momentum into Thursday’s pullback, leaving LTC as the standout relative winner.","Find all of these digital assets and many more on the Metal Pay app, get it here.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-10-october-2025"},"/news-insights/crypto-news-3-october-2025":{"version":1,"title":"Crypto News - 3 October 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin breaks above $120,000 amid heavy ETF inflows","keywords":"","h1":["Crypto News - 3 October 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 3, 2025","Bitcoin surged past the $120,000 mark this week, driven by strong institutional demand and inflows into U.S. spot Bitcoin ETFs. On October 2, BlackRock’s IBIT alone recorded a $466.5 million net inflow, making it the largest single-day contributor to ETF demand. That momentum helped push BTC to a two-month high. Some analysts attribute part of the rise to safe-haven rotation amid U.S. political uncertainty and growing bets on a potential rate cut. The rally underscores how ETF-driven flows are increasingly shaping crypto price action.","Citigroup lifts ETH outlook, trims Bitcoin view amid shifting flows","Citigroup raised its year-end price target for Ethereum to $4,500, citing strong ETF flows and growing institutional adoption of the asset. Simultaneously, the bank modestly lowered its Bitcoin forecast from $135,000 to $133,000, pointing to headwinds from a strengthening U.S. dollar and softer gold prices. The shift in forecasts reflects evolving sentiment and reallocations across crypto portfolios. The move reinforces Ethereum’s rising prominence in institutional strategies as demand for staking and yield grows.","Stellar XLM goes live on LOAN Protocol with new Metal X trading competition","Stellar’s native token XLM is now supported on LOAN Protocol, enabling users to lend, borrow, and use XLM as collateral to access other assets including Bitcoin, USDC, and HBAR. The integration expands LOAN’s multi-asset lending ecosystem, offering broader options for DeFi users seeking liquidity against their XLM holdings. Alongside the protocol launch, Metal X announced a month-long XLM trading competition running through October, with 500’000 XPR in prizes for top traders.","Bitcoin ETF Flows","On Monday, September 29, bitcoin ETFs saw a modest reversal, led by outflows in IBIT (-46.6 m) but offset by strong inflows in FBTC (+298.7 m) and ARKB (+62.2 m), generating a net positive inflow of $518.0 m. Tuesday saw continued momentum, with 30 September net flows of $429.9 m, paced by IBIT (+199.4 m) and BITB (+70.1 m). The biggest single-day inflow came on Thursday, October 2, at $627.2 m, with IBIT contributing $466.5 m and FBTC +89.6 m. Overall, the week produced sustained demand for bitcoin ETFs, with IBIT as the dominant driver and few signs of weakening appetite.","Ethereum ETF Flows","On Monday, September 29, ethereum ETFs recorded inflows totaling $546.9 m, led by FETH (+202.2 m), ETHA (+154.2 m) and ETHW (+36.5 m). Tuesday (September 30) saw moderate interest with $127.5 m in net inflows, driven by ETHA. Mid-week flows cooled, with only $80.9 m on October 1, led by FETH (+36.8 m) and ETH (the spot product) (+14.3 m). The strongest Ethereum ETF demand surfaced again on Thursday, October 2, at $307.1 m, with ETHA (+177.1 m), ETHW (+46.5 m), and FETH (+60.7 m) contributing. In sum, Ethereum ETFs posted consistent inflows all week, with ETHA and FETH emerging as reliable engines of demand.","Top Gainers (Coins Available on Metal Pay)","Solana led the weekly charge with a 17.1% gain, outperforming the rest of the pack as investor appetite for layer-1 protocols picked up. Litecoin and LOAN Protocol followed with 15.6% and 14.3% gains, respectively, while Dogecoin and Ethereum also posted solid double-digit returns. The strength across diverse sectors suggests broad crypto bullishness this week.","These tokens and more are available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-3-october-2025"},"/news-insights/crypto-news-24-october-2025":{"version":1,"title":"Crypto News - 24 October 2025 — Metal Pay - Crypto, The Right Way.","description":"Institutions Double Down: JPMorgan Opens to Crypto Collateral as ETFs Swing Wildly","keywords":"","h1":["Crypto News - 24 October 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 25, 2025","JPMorgan to accept BTC and ETH as loan collateral","JPMorgan Chase will let institutional clients pledge bitcoin and ether as collateral for loans by year-end, a notable deepening of Wall Street’s engagement with digital assets. The bank plans to recognize the leading cryptoassets within its collateral management systems, signaling growing comfort with custody, valuation, and risk controls around highly liquid tokens. The move could widen access to credit for institutions that hold crypto on balance sheets or in funds, while keeping exposures within JPMorgan’s existing risk frameworks. It follows rising demand for ways to finance against digital assets without forced sales and comes amid broader institutional steps to integrate crypto into traditional capital markets.","Trump pardons Binance founder Changpeng Zhao","The White House announced a presidential pardon for Changpeng Zhao, the founder of Binance who pleaded guilty in 2023 to violations related to anti-money-laundering controls and served a four-month sentence. Officials framed the pardon as part of a broader policy shift to support the U.S. crypto industry, though critics raised concerns about signals it sends on enforcement and potential conflicts of interest. Zhao expressed gratitude and said he would support U.S. leadership in digital assets. The pardon adds a new political dimension to a market already reacting to regulatory change and institutional adoption.","Whales shift BTC into spot ETF shares","Some large bitcoin holders are increasingly converting their direct BTC holdings into shares of U.S. spot bitcoin ETFs, according to recent reporting. The swap can allow investors to access securities-market infrastructure, simplify estate and tax planning, and in some cases facilitate borrowing against positions without triggering sales. The trend underscores the growing role of spot ETFs as institutional rails for bitcoin exposure and as venues that can integrate with traditional prime brokerage and collateral systems. It also reflects portfolio engineering choices as liquidity migrates between on-chain wallets and regulated fund structures.","How Banks are finding business use cases for Stablecoins","Metallicus CFO Irina Berkon spoke on Tuesday, October 21st, at the American Banker Most Powerful Women in Banking Conference in New York City. She joined Debopama Sen (Citi), Rachel Anderika (Anchorage Digital), and Ro Spaziani (Gibson Dunn) for a panel titled “Payments, Stablecoins, and the Radical Remaking of the Financial Industry,” exploring how stablecoins are reshaping financial infrastructure. Read more →","Bitcoin ETF Flows","Monday saw net outflows of about $40.4m, driven by IBIT (−$100.7m) while gains at Fidelity FBTC (+$9.7m), Bitwise BITB (+$12.1m) and VanEck HODL (+$21.2m) partially offset the move. On Tuesday the tape flipped hard to inflows, with a net +$477.2m led by IBIT (+$210.9m), ARKB (+$162.9m), FBTC (+$34.1m) and BITB (+$20.1m). Midweek weakness followed on Wednesday with a −$101.4m net outflow, as ARKB (−$53.9m), FBTC (−$56.6m), BITB (−$10.0m) and GBTC (−$56.6m) weighed. Thursday stabilized to a modest +$20.3m net inflow, helped by IBIT (+$107.8m) and BITB (+$17.4m) against ongoing redemptions at ARKB (−$55.0m) and GBTC (−$60.5m). Overall, the week balanced a sharp Tuesday surge against midweek selling to finish mixed into Friday’s print.","Ethereum ETF Flows","Monday opened with a −$145.7m net outflow, led by BlackRock ETHA (−$117.9m) and Fidelity FETH (−$27.8m). Tuesday reversed to a net +$141.7m, with the strongest contributions from FETH (+$59.1m), ETHA (+$42.5m), ETHE (+$13.1m), ETH (+$22.6m) and ETHV (+$4.4m). Wednesday was relatively soft at −$18.9m, reflecting continued churn across issuers. Thursday marked the weakest day of the week at −$127.4m as FETH (−$77.0m), ETHA (−$23.4m), ETHW (−$8.8m), VanEck ETHV (−$5.6m), ETHE (−$5.7m) and ETH (−$6.9m) all saw redemptions. Netting the swings, ETH products ended the week skewed to outflows despite Tuesday’s brief strength.","Top Gainers (Coins Available on Metal Pay)","LOAN Protocol led the board at +15.9% on the week, followed by XPR Network (+11.0%), XRP (+9.2%), Litecoin (+7.5%) and Dogecoin (+6.2%). The basket showed resilient bid versus broader chop, with rotation into mid-caps and payments names while sentiment, per the Crypto Fear & Greed Index, hovered around neutral levels during the week.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-24-october-2025"},"/news-insights/crypto-news-31-october-2025":{"version":1,"title":"Crypto News - 31 October 2025 — Metal Pay - Crypto, The Right Way.","description":"Crypto slips as Fed signals caution after rate cut","keywords":"","h1":["Crypto News - 31 October 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 31, 2025","Digital assets pulled back late in the week after Federal Reserve Chair Jerome Powell tempered expectations for another cut in December, even as the Fed delivered a quarter-point reduction earlier in the week. Bitcoin and ether fell alongside broader risk assets on Thursday, with traders paring bets on a rapid easing cycle and rotating to cash. The shift in rate-cut odds weighed on sentiment that had buoyed prices through much of October. Macro-driven profit taking also spilled into crypto equities. Analysts framed the move as a reset after hopes for a classic ‘Uptober’ rally faded into month-end","Spot BTC & ETH ETFs see sharp midweek outflows","After starting the week with healthy creations, U.S. spot crypto ETFs flipped to sizeable redemptions midweek. Farside data show U.S. bitcoin funds posted a $470.7m net outflow on Wednesday and a larger $488.4m outflow on Thursday, led by withdrawals from Fidelity’s FBTC, ARK’s ARKB and BlackRock’s IBIT. Ethereum products also turned lower, moving from a strong +$246.0m on Tuesday to –$81.4m on Wednesday and –$184.2m on Thursday. The reversals coincided with the post-Fed risk-off tone and a slide in crypto market sentiment, with the Bitcoin Fear & Greed Index sitting at 29 (“Fear”) into Friday.","Bitwise Solana ETF logs strong early trading","Outside BTC and ETH, product innovation continued. Bitwise said its newly launched Solana ETF crossed $70 million in second-day volume this week, underscoring investor interest in broader large-cap crypto exposure beyond bitcoin and ether. The activity comes as issuers race to differentiate offerings while flows across BTC and ETH products whipsaw with macro headlines. Elevated turnover in newer single-asset funds highlights a continued appetite for diversified on-exchange crypto access despite week-to-week volatility in net creations.","Metal Dollar (XMD) Now Live on Metal X Lending","The Metal Dollar (XMD) stablecoin has officially gone live for lending and borrowing on Metal X Lending, powered by LOAN Protocol. Users can now supply XMD to earn yield, use it as collateral to borrow against other supported assets, or lend digital assets and borrow XMD for liquidity. The integration marks a major milestone in expanding Metal Dollar’s on-chain utility, enabling a full DeFi credit market within the XPR Network ecosystem. With this launch, XMD joins the growing list of assets available for decentralized lending, giving users new ways to earn, borrow, and manage liquidity directly from their WebAuth Wallet.","Bitcoin ETF Flows","Monday opened strong with a net +$149.3m, led by ARK 21Shares ARKB (~$76m) and BlackRock’s IBIT (~$65m). Tuesday extended the momentum to +$202.4m as IBIT (~$59.6m) and Fidelity’s FBTC (~$67m) paced creations alongside ARKB (~$75.8m). Midweek momentum flipped: Wednesday recorded a –$470.7m reversal (largest outflows from FBTC ~–$164m, ARKB ~–$143.8m, IBIT ~–$88.1m, GBTC ~–$65m) and Thursday followed with an even larger –$488.4m (IBIT ~–$290.9m the weakest, with BITB, ARKB and others also negative). Including last Friday’s +$90.6m, the week swung from early inflows to roughly $1.0b of two-day redemptions, leaving a net negative tone into Friday.","Ethereum ETF Flows","Monday brought +$133.9m in net creations, with BlackRock (ETHA ~+$72.5m) and Bitwise/Fidelity contributing while Grayscale’s ETHE added +$6.9m. Tuesday was the strongest day at +$246.0m, led by Fidelity (FETH ~+$99.3m), BlackRock (ETHA ~+$76.4m) and Grayscale ETH (~+$73.0m). Momentum then turned: Wednesday posted –$81.4m (FETH ~–$69.5m, with modest offset from ETHA ~+$21.4m), and Thursday deepened to –$184.2m with broad outflows across ETHA, FETH, ETHW and others. Factoring in last Friday’s –$93.6m, the week netted to inflows early and heavier redemptions mid-to-late week, mirroring BTC’s swing.","Top Gainers (Coins Available on Metal Pay)","Hedera (HBAR) led the board with a +16.9% weekly gain, outperforming on a technical rebound and ETF-related chatter even as broader crypto softened. Ripple (XRP) was essentially flat on the week, while large caps like LTC, BTC and ETH finished modestly lower amid macro-driven risk-off and ETF outflows.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-31-october-2025"},"/news-insights/crypto-news-17-october-2025":{"version":1,"title":"Crypto News - 17 October 2025 — Metal Pay - Crypto, The Right Way.","description":"Crypto market slides to multi-month lows","keywords":"","h1":["Crypto News - 17 October 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Oct 17, 2025","Crypto market slides to multi-month lows","The cryptocurrency market endured a steep correction this week, with Bitcoin dropping around 12% and Ethereum down nearly 13%, their sharpest weekly declines in months. The sell-off followed heavy liquidations across leveraged positions, with over $1 billion wiped out in a 24-hour span. Analysts cited a mix of macro uncertainty, risk-off sentiment, and renewed ETF outflows as key drivers of the downturn. Altcoins saw even deeper losses, with many large-cap tokens down 20 to 30%. Market sentiment slid into 'Extreme Fear' as investors moved to de-risk ahead of the weekend.","Global regulator flags gaps in crypto oversight","The Financial Stability Board, the G20’s risk watchdog, warned of significant gaps in the global framework for crypto regulation. In a report released this week, the body urged jurisdictions to accelerate implementation of its recommendations and to address cross-border supervision, data quality, and risks from interconnections with traditional finance. The FSB said inconsistent rules and incomplete adoption leave the system vulnerable to market stress and contagion. It called for better monitoring of stablecoins and crypto intermediaries, plus stronger tools to manage failures. The report arrives as markets remain volatile and policymakers weigh next steps on digital-asset rules.","France widens AML checks on exchanges as EU licensing looms","France has expanded anti-money-laundering checks on major crypto exchanges as authorities determine which firms will qualify for EU-wide licensing under the bloc’s MiCA regime. According to reporting cited from Bloomberg, platforms including Coinbase and Binance are among those being reviewed. The push aims to tighten compliance standards ahead of broader passporting across the European Union. Heightened scrutiny adds to an already active regulatory calendar for centralized exchanges as they navigate new disclosure, custody, and consumer-protection rules. The review comes during a week of elevated market stress and risk-off positioning across digital assets.","Sentiment flips to Extreme Fear","Market mood deteriorated quickly alongside the selloff. The widely followed Bitcoin Fear & Greed Index fell to 22, signaling Extreme Fear, after spending much of last week in Greed territory. The rapid swing reflects rising volatility, ETF outflows midweek, and macro uncertainty. Sharp sentiment shifts like this often accompany capitulation-style moves during corrections, though they do not predict near-term direction. Traders are watching whether flows stabilize and liquidity improves into next week.","Bitcoin ETF Flows","On Monday (Oct 13), U.S. spot Bitcoin ETFs recorded large net outflows of about $326m, led by redemptions at Grayscale’s GBTC (~$145m) and meaningful outflows at Fidelity’s FBTC (~$93m) and Bitwise’s BITB (~$116m). On Tuesday (Oct 14), flows flipped positive with roughly $103m of net inflows, driven by sizeable creations at Fidelity FBTC (~$133m) while BlackRock’s IBIT saw outflows (~$31m). Wednesday (Oct 15) reversed again with about $104m in net outflows as Invesco’s BTCO (~$11m) and GBTC (~$83m) weighed. Thursday (Oct 16) was the weakest day, showing roughly $531m in net outflows, dominated by ARK 21Shares ARKB (~$275m), Fidelity FBTC (~$132m) and GBTC (~$45m). For the week to date, flows skewed negative, underscoring risk-off positioning after recent price volatility.","Ethereum ETF Flows","On Monday (Oct 13), spot Ether ETFs saw heavy net outflows around $429m, with the largest redemptions in BlackRock’s ETHA (~$310m) and Grayscale’s ETHE (~$21m) and ETH (~$50m). On Tuesday (Oct 14), flows swung positive with about $236m in net inflows, led by Fidelity’s FETH (~$155m) with additional buys across ETHE (~$15m) and ETH (~$35m). Wednesday (Oct 15) added roughly $170m of net inflows, driven by strong creations into BlackRock ETHA (~$164m) while some products such as 2Shares TETH saw small outflows (~$8m). Thursday (Oct 16) weakened again to about $57m of net outflows, led by Grayscale ETHE (~$69m) plus smaller redemptions at FETH (~$12m) and ETHW (~$16m). Overall, Ether products finished the midweek stretch mixed but notably stronger than Bitcoin on Tuesday and Wednesday before outflows resumed.","Biggest Dippers (Coins Available on Metal Pay)","Every major token traded lower this week as the crypto market faced one of its sharpest corrections of the year. Litecoin led declines, falling 33% over seven days, followed by Dogecoin, Hedera, Metal DAO, and LOAN Protocol — all posting drops between 23% and 28%. The synchronized downturn reflects broader risk aversion after large ETF outflows and leveraged liquidations pushed the Bitcoin Fear & Greed Index into 'Extreme Fear' territory. Analysts say the widespread losses suggest capitulation rather than selective weakness, with risk appetite at multi-month lows.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-17-october-2025"},"/news-insights/crypto-news-14-november-2025":{"version":1,"title":"Crypto News - 14 November 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin dips below $100k and JPM launches stablecoin","keywords":"","h1":["Crypto News - 14 November 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 14, 2025","Bitcoin slipped below the $100,000 mark on Thursday amid renewed selling pressure and ETF outflows, marking its sharpest weekly decline since September. Market sentiment has soured further, with the Crypto Fear & Greed Index plunging to 16 (Extreme Fear) – down from 24 last week and 34 a month ago. The steep drop reflects traders’ growing anxiety over tightening liquidity, ETF reversals, and macroeconomic uncertainty, reinforcing a risk-off mood across digital assets.","J.P. Morgan Launches USD-Denominated Deposit Token on Base","J.P. Morgan Chase & Co. has officially rolled out a USD-denominated deposit token, branded JPM Coin (ticker JPMD), aimed at its institutional clients on the public blockchain Base. The token, introduced following a pilot initiated in June 2025 with partners including Coinbase and Mastercard, represents a digital claim on dollar-denominated deposits held at the bank, enabling near-instant, 24/7 settlement. Unlike conventional stablecoins, JPM Coin is explicitly a bank deposit token rather than an independently issued asset. The move signals a significant push by the bank to bridge traditional institutional finance with on-chain payment infrastructure and opens the door to programmable money flows within a regulated banking context. Sources noted the initiative as a key milestone in the evolving interface between legacy banking and blockchain networks.U.S. Senators Release Draft Bill Granting CFTC Oversight of Crypto Market Structure","A bipartisan group of U.S. senators has released a discussion draft of legislation that would give the Commodity Futures Trading Commission (CFTC) primary regulatory oversight of spot-digital-commodity markets, including many crypto tokens, as part of a broader rewrite of the crypto market structure. The draft, published this week, defines key terms such as “digital commodity” and imposes new obligations on brokers, custodians, and trading venues - including registration, customer-fund segregation, and conflict-of-interest safeguards. The document also outlines coordination mechanisms between the CFTC and the SEC, and creates a funding stream for the CFTC to oversee the digital-commodity sector. Industry stakeholders view the development as a meaningful step toward regulatory clarity after years of uncertainty, though major questions remain around token classification and DeFi oversight.","Bank of England Proposes New Stablecoin Rules with £20,000 Individual Holding Limit","The Bank of England (BoE) has published consultation proposals for a regulatory regime governing sterling-denominated “systemic stablecoins,” including a cap of £20,000 per individual and £10 million per business. The rules, published on 10 November 2025, require issuers to be backed by a mix of central-bank deposits and UK government debt, and subject to oversight by the BoE and Financial Conduct Authority (FCA). The limits are described as temporary while the Bank assesses financial-stability implications. The consultation also suggests that up to 40 % of backing assets could be held directly at the BoE without earning interest. Industry reaction has been critical, warning the proposals could stifle innovation and undermine the UK’s bid to be a global crypto-finance hub.","Bitcoin ETF Flows","Spot Bitcoin ETFs saw a volatile week. After modest inflows of about $1 million on Monday (10 Nov), Tuesday brought a strong rebound with $524 million in net inflows, led by BlackRock’s IBIT (+$224 m), Fidelity’s FBTC (+$166 m), and ARK’s ARKB (+$102 m).","However, sentiment quickly turned negative: Wednesday registered $278 million in outflows, and Thursday saw another sharp withdrawal of $867 million, driven by heavy redemptions from Grayscale’s BTC Trust (-$318 m) and IBIT (-$257 m). Overall, the week closed deeply negative, showing continued institutional risk-off positioning.","Ethereum ETF Flows","Ethereum spot ETFs also remained under pressure, posting four straight days of redemptions. Tuesday’s flows (11 Nov) saw about $107 million in outflows, followed by $184 million on Wednesday and $260 million on Thurs. In total, Ethereum funds lost over $500 million for the week, marking one of their weakest weeks since launch, underscoring persistent investor caution amid macro volatility and ETH’s muted price action.","Top Gainers (Coins Available on Metal Pay)","The standout performer this week was Litecoin (LTC), gaining +9.8 % over the past seven days and clearly outpacing peers. Meanwhile Metal DAO (MTL) rose +4.8 %, Ripple (XRP) gained +5.1 % and XPR Network (XPR) moved +3.9 %. The meme-token Dogecoin (DOGE) barely advanced (+1.4 %) in a market where sentiment remains fragile. Other tokens on the marketplace we track remained flat or turned negative for the week.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-14-november-2025"},"/news-insights/crypto-news-7-november-2025":{"version":1,"title":"Crypto News - 7 November 2025 — Metal Pay - Crypto, The Right Way.","description":"Market pullback, ETF flows, and renewed DeFi risk","keywords":"","h1":["Crypto News - 7 November 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 7, 2025","The first week of November saw crypto markets move sharply lower as traders rotated out of risk assets amid global rate concerns and continued ETF redemptions early in the week. Bitcoin briefly dipped under the $100,000 mark, while Ethereum and Solana followed with double-digit declines. Trading volumes were thin as volatility spiked across majors, signaling cautious positioning heading into the weekend.","Sentiment indicators turned decisively negative, with the Crypto Fear & Greed Index falling into the “fear” zone for the first time in months. Analysts told Barron’s the correction appeared technical rather than structural, driven by profit-taking after the October rally. Still, most agreed that ETF inflows later in the week helped slow the slide and may set the stage for stabilization into mid-November.","Stablecoin De-pegs Trigger Fresh Risk Alert in DeFi","Two major algorithmic stablecoins lost their dollar pegs this week, sparking renewed scrutiny of DeFi’s risk management. USDX, issued by Stable Labs, collapsed to around $0.30 on November 6 after liquidity dried up on Curve and Aerodrome, prompting emergency community proposals to restore confidence. Around the same time, Elixir Finance’s deUSD plunged to $0.015 after losses tied to its affiliated protocol Stream Finance were confirmed.","The double de-peg underscored persistent fragility among algorithmic issuers, reminding investors that over-collateralization and transparency remain critical. Analysts told Forklog the incidents are likely to accelerate migration toward fully-backed, regulated stablecoins and compliant DeFi platforms. Broader markets avoided contagion, but the reputational damage to algorithmic designs was significant.","Balancer Hack & the Push for Regulated DeFi","Balancer, a major Ethereum-based automated market maker, was hit in early November by a large exploit that drained just over $100 million from several V2 pools, moving significant amounts of osETH, WETH and wrapped staked ETH into attacker-controlled wallets. The breach exploited a precision/rounding vulnerability in certain stable and composable pools, allowing the attacker to abuse batch swaps and extract value repeatedly before teams paused affected pools and began forensic recovery work. Read the on-chain breakdown at CoinDesk.","The incident underscores recurring risks in complex, permissionless DeFi architecture: small implementation errors can cascade into outsized losses when combined with composability and flash-loan techniques. Protocol teams and institutional users should demand stricter engineering controls - formal verification, layered audits, and timelocked emergency controls and consider regulated, custody-backed alternatives for production-value assets to reduce smart-contract exposure.","Metallicus and InvestiFi Partner to Bring Regulated Stablecoins to Community Banks","Metallicus announced a strategic alliance with InvestiFi, a digital investing platform integrated with more than 15 digital banking and core systems. The partnership enables credit unions and community banks to offer institution-backed stablecoins directly within online and mobile banking apps, allowing account holders to seamlessly convert between stablecoins and U.S. dollars in real time. Through collaboration with InvestiFi’s custodial partners, Metallicus will provide access to both the Metal Blockchain (Layer 0) and XPR Network (Layer 1), giving financial institutions the ability to mint, burn, and hold fully reserved, institution-specific stablecoins in a regulatory-compliant environment. Together, Metallicus and InvestiFi aim to modernize how credit unions and community banks engage members in the digital economy, unifying digital assets, payments, and investments under a single, compliant framework.","Bitcoin ETF Flows","Spot Bitcoin ETFs saw one of their most volatile weeks since September. Monday opened with net outflows of roughly $186 million as BlackRock’s IBIT led redemptions, followed by Tuesday’s $566 million drain dominated by Fidelity’s FBTC (−$356 M) and Ark’s ARKB (−$128 M). Midweek activity stabilized as inflows into smaller issuers partially offset losses, and by Thursday, net flows flipped positive with $240 million in new capital.","Ethereum ETF Flows","Ethereum ETFs mirrored Bitcoin’s volatility, starting the week with $135 million in outflows led by BlackRock’s ETHA (−$81 M) and Grayscale’s ETHE (−$20 M). Tuesday proved the toughest day, with $219 million leaving the segment as risk aversion spiked. By Wednesday, the pace slowed, and Thursday finally turned slightly positive with $12 million in net inflows spread across Fidelity, 21Shares, and minor products.","Solana ETF Flows","Solana ETFs bucked the broader weakness, attracting steady inflows in their first full week of trading. Bitwise’s BSOL and Grayscale’s GSOL combined for more than $120 million in net subscriptions through Thursday, marking one of the strongest debuts for a new crypto ETF. Monday’s $70 million surge was followed by consistent smaller inflows each day, signaling durable investor interest despite the risk-off backdrop.","Biggest Dippers (Coins Available on Metal Pay)","Across coins available on Metal Pay, nearly all majors posted red weeks. Solana (−18.1%) led declines, followed by Metal Blockchain (−17.2%), XPR Network (−15.7%), Ethereum (−15.1%), and Hedera (−14.7%). The pullback hit alts the hardest as traders sought safety in BTC and stablecoins.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-7-november-2025"},"/news-insights/crypto-news-21-november-2025":{"version":1,"title":"Crypto News - 21 November 2025 — Metal Pay - Crypto, The Right Way.","description":"Cryptocurrency markets slump amid risk-off sentiment","keywords":"","h1":["Crypto News - 21 November 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 21, 2025","Bitcoin slipped 12.5% this week, breaking below key psychological levels as risk appetite evaporated across equities and digital assets. Ethereum followed with an equally sharp weekly decline, dropping roughly 13%. The broader sell-off coincided with rising yields, weak tech-sector sentiment, and accelerated liquidations in leveraged crypto positions. The pullback pushed sentiment deeper into caution territory, setting the stage for a consolidation phase after months of elevated speculative positioning.","Crypto Fear & Greed Index hits ‘Extreme Fear’ territory","Sentiment metrics for the crypto market plunged this week, with the Crypto Fear & Greed Index reading dropping to 14 today… a level categorised as “Extreme Fear”. Just yesterday it was 11, and a week ago it stood at 16, reflecting accelerating panic amid the sell-off. Extreme fear readings historically correlate with heightened oversold conditions and potential reversal setups, though they don’t guarantee a rebound. The index reflects a cocktail of market momentum, volatility, social sentiment and trading volume, all pointing now to a climate of caution. For investors, the extreme reading signals that conviction is weak, positioning is light and downside risk remains elevated.","BTC ETF Flows","On Monday 17 November, spot Bitcoin ETF products saw about US$-255 m outflows, led by IBIT (BlackRock) at approximately US$145.6m and FBTC (Fidelity) at US$12.0m. Tuesday 18 November reversed slightly with US$ 372.8m net outflows, of which IBIT accounted for around US$523.2m and BTCW (WisdomTree) saw inflows of US$139.6m. Wednesday 19 November posted a modest US$75.4m net inflow, driven by IBIT (US$60.6m) and GBTC (Grayscale) at US$53.8m. Overall the week’s flows highlight a weak-handed exit from Bitcoin ETFs but a mid-week attempt at stabilization.","ETH ETF Flows","On Monday 17 November, spot Ether ETF listings posted US$-182.7m net outflows, with ETHA (BlackRock) alone losing US$193.0m and FETH (Fidelity) about US$3.0m. Tuesday 18 November brought US$-74.2m net outflows, with ETHW (Bitwise) seeing US$19.1m of inflows and TETH (21Shares) about US$4.6m of inflows. Wednesday 19 November registered US$-37.4m net outflows, as ETHA trimmed US$24.6m and QETH (Invesco) added US$2.9m. The week shows a steady bleed in Ethereum-related products as institutional sentiment remains cautious.","SOL ETF Flows","On Monday 17 November, SOL-based ETF products drew US$8.2m net inflows, with BSOL (Bitwise) adding about US$7.3m. Wednesday 19 November saw the week’s strongest influx of US$55.6m, with BSOL posting US$35.9m and GSOL (Grayscale) US$12.6m. Tuesday 18 November contributed US$30.1m net inflows. Overall the up-trend in SOL-related flows contrasts sharply with the outflows of larger assets and suggests selective institutional rotation.","7 Day Snapshot - Coins Available on Metal Pay","This week’s list reflects the highest-volatility tokens, not gainers, as all tracked assets posted negative returns during the broader market downturn. LOAN Protocol showed the sharpest 7-day move with a –29.7% swing, making it the most volatile asset on the platform. XPR Network followed with a –21.6% change, while Hedera (–17.5%), XRP (–15.3%), and Metal Blockchain (–14.2%) rounded out the list. These tokens represent the largest week-over-week directional moves and highlight where traders experienced the biggest price swings during the correction.","See the full list of available assets on the Metal Pay Markets page.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-21-november-2025"},"/news-insights/crypto-news-28-november-2025":{"version":1,"title":"Crypto News - 28 November 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin rebounds after sharp November sell-off","keywords":"","h1":["Crypto News - 28 November 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Nov 28, 2025","Bitcoin rebounds after sharp November sell-off","Bitcoin spent the week grinding higher, rising roughly 10% from last Friday’s levels to trade back in the low-$90,000s after last week’s steep washout. Despite the bounce, the asset is still down around a quarter from its record highs near $126,000 set in early October, leaving longer-term sentiment cautious. Analysts describe the move as a classic post-liquidation recovery: leverage has been flushed out, spot demand is slowly returning and price is stabilising above key support around $90,000. Ethereum mirrored the recovery, holding above $3,000 as broader risk markets steadied. The overall message from desks is that the immediate panic has passed, but the market remains one bad macro headline away from another bout of volatility.","ETF outflows cap brutal month for bitcoin funds","Behind the price action, bitcoin funds are on track for one of their worst months on record as investors pull billions from spot ETFs. Data compiled by Bloomberg show about $3.5 billion has been withdrawn from US-listed bitcoin products in November, nearly matching February’s record monthly outflow, with BlackRock’s flagship IBIT seeing more than $2 billion in redemptions. Analysts say the withdrawals reflect a broad risk-off shift driven by macro uncertainty and the earlier price spike, rather than a collapse in structural demand for the asset. Still, the outflows mean new money has to work harder to push prices higher, with some estimates suggesting inflows of roughly $1 billion per week would be needed to lift BTC by a few percentage points. As November closes, ETF flows are reinforcing the narrative of a liquidity reset rather than a raging bull market.","One Nevada Credit Union Joins Metallicus Stablecoin Pilot","One Nevada Credit Union has joined the Metallicus Stablecoin Pilot Program, becoming the latest U.S. credit union to explore blockchain-based payment infrastructure in a controlled, zero-risk sandbox environment. Announced on November 25, the collaboration allows One Nevada to test custom-branded stablecoin issuance, internal transfer simulations, and digital asset operational workflows without using member funds or live crypto assets. President & CEO Steve O’Donnell said the partnership positions the institution for next-generation digital payment solutions, offering members greater speed, choice, and security. Metallicus’ Frank Mazza emphasized that credit unions are helping shape the future of digital finance, with the pilot providing a compliance-forward environment for institutions evaluating blockchain strategies. The initiative is part of the broader Metal Blockchain Banking Innovation Program, which includes tools for fraud prevention, digital identity, operational efficiency, and private blockchain deployments.","Bitcoin ETF Flows","Spot bitcoin ETFs posted mixed flows this week, starting with a sizeable US$151 million net outflow on Monday 24 November as heavy redemptions from BlackRock’s IBIT and smaller outflows at Bitwise’s BITB and ARK’s ARKB outweighed modest creations in Fidelity’s FBTC. Sentiment flipped on Tuesday 25 November, when the cohort took in about US$128.7 million of net inflows, led by strong demand for IBIT and FBTC even as ARKB and WisdomTree’s HODL saw continued redemptions. Wednesday 26 November was quieter but remained positive, with roughly US$21.1 million added on the day as IBIT and Grayscale’s GBTC offset outflows from FBTC. Thursday 27th is not listed as markets were closed for Thanksgiving in the US. Looking back to Friday 21 November, the group logged a robust US$238.4 million intake thanks to solid buying in FBTC, ARKB and Grayscale’s legacy products despite sizeable selling in IBIT. Overall, bitcoin ETFs finished the period modestly in the green, suggesting institutional appetite has cooled but not disappeared after November’s drawdown.","Ethereum ETF Flows","Ethereum ETFs enjoyed a steadier week of inflows, beginning with around US$96.6 million of net creations on Monday 24 November as BlackRock’s ETHA led the charge and Grayscale’s spot ETH trust added fresh capital. Tuesday 25 November brought another constructive session, adding roughly US$78.6 million on the back of continued buying in ETHA and Fidelity’s FETH even as Grayscale’s higher-fee ETHE saw redemptions. The strongest single day of the stretch was Monday, when ETHA alone attracted more than US$90 million and helped swing the complex decisively back into positive territory after the prior week’s outflows. By Wednesday 26 November, flows had cooled but still contributed about US$60.8 million in net inflows as ETHA, Bitwise’s ETHW and Grayscale’s products drew incremental allocations. Again, markets were closed on Thursday 27th for Thanksgiving. Including Friday 21 November’s US$55.7 million intake, ETH funds quietly built a solid cushion of inflows through a volatile month, underscoring ongoing interest in staking-enabled ether exposure.","Solana SOL Flows","New Solana ETFs continued to attract capital for most of the week before a sharp mid-week reversal. On Monday 24 November the complex pulled in about US$58.0 million of net inflows, led by strong demand for Bitwise’s BSOL with additional creations in Fidelity’s FSOL and smaller allocations to VanEck’s VSOL and Grayscale’s GSOL. Tuesday 25 November saw a further US$53.1 million added, again dominated by BSOL and GSOL as institutional investors leaned into high-beta Solana exposure. The tone flipped on Wednesday 26 November when a large US$34.4 million redemption from 21Shares’ TSOL dragged the group to an overall US$8.2 million net outflow despite ongoing buying in BSOL, FSOL and GSOL, this marks the first daily outflow from SOL ETFs since their inception. Including the prior Friday 21 November’s US$10.4 million gain, Solana ETFs still ended the period with well over US$100 million of cumulative inflows, highlighting that appetite for SOL remains resilient even as broader crypto markets work through a correction.","Top Gainers (Coins Available on Metal Pay)","Metal Blockchain (METAL) led the Metal Pay list this week with a roughly 23.2% gain, outperforming both bitcoin and ether as traders hunted for high-beta rebound plays after last week’s crash. XPR Network (XPR), Hedera (HBAR), Ripple’s XRP and LOAN Protocol all posted mid-teens advances over the same period, standing out as relative winners in a market that was still digesting heavy November losses. Hedera’s move followed its continued outperformance versus major indices, while XRP benefited from renewed attention around XRP-linked products and rotation into large-cap payment tokens. For METAL and XPR, investors appear to be favoring ecosystem tokens tied to payments, DeFi infrastructure and institutional usecases, signalling that even in an extreme-fear environment, capital is rotating toward projects with clear utility narratives.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-28-november-2025"},"/news-insights/crypto-news-5-december-2025":{"version":1,"title":"Crypto News - 5 December 2025 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin extends selloff as November slump carries into December","keywords":"","h1":["Crypto News - 5 December 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 5, 2025","Bitcoin began December on the back foot, sliding below $90,000 on December 1 after suffering its steepest monthly dollar drop since the 2021 crash. The move capped a brutal November in which Bitcoin lost more than $18,000 in value as investors rotated out of risk assets and trimmed speculative positions. Ethereum also fell sharply, with both majors giving up much of their autumn rally as leveraged longs were washed out. Spot bitcoin ETFs, which had seen heavy inflows earlier in the year, recorded sizeable redemptions in November as sentiment turned cautious. The broader market remains on edge heading into year-end, with traders watching for further macro or regulatory shocks that could deepen the downturn.Bank of America to open crypto ETPs to wealth clients","Bank of America said it will allow advisors at Merrill, Merrill Edge and the Private Bank to recommend crypto exchange-traded products to wealth management clients starting in early 2026. The shift moves the bank from a narrow execution-only stance toward actively advising on crypto allocations, with internal guidance suggesting a 1-4% portfolio weight for investors who can tolerate volatility. The decision follows strong demand for regulated bitcoin and Ethereum ETFs from high-net-worth clients, even after the recent drawdown in digital asset prices. Bank of America’s move adds another major U.S. institution to the list of firms normalizing crypto exposure within traditional portfolios. It also underscores how spot ETF structures have become the preferred on-ramp for mainstream investors seeking regulated access to bitcoin and other digital assets.","Arizona Financial Credit Union Joins Metallicus Stablecoin Pilot Program","Arizona Financial Credit Union has partnered with Metallicus to pilot stablecoin-based payment and settlement tools, becoming one of the first U.S. credit unions to explore blockchain infrastructure for core financial operations. The program will test how USD-backed stablecoins can reduce transaction friction, accelerate internal transfers and improve liquidity management without exposing members to custodial or market-risk complexity. Arizona Financial said the initiative aligns with its long-term strategy to modernize digital services and evaluate blockchain applications that improve efficiency while maintaining regulatory compliance. Metallicus noted that the pilot leverages Metal Blockchain’s bank-grade controls and native multisig architecture, allowing credit unions to safely experiment within a controlled environment. The partnership adds momentum to Metallicus’ growing roster of institutional pilots across the U.S.","Bitcoin ETF Flows","Spot bitcoin ETFs started the week with modest net inflows of about $8.5 million on Monday. On Tuesday, demand picked up sharply as net inflows climbed to roughly $58.5 million, again led by IBIT and FBTC while Ark’s ARKB saw more mixed activity. Wednesday flipped back to a small net outflow of around $15 million, driven largely by redemptions in Grayscale’s GBTC vehicle even as newer low-fee funds were close to flat. Thursday was the weakest session of the week, with investors pulling nearly $195 million from spot bitcoin ETFs as selling hit most issuers, including iShares, Fidelity and Ark. Overall, bitcoin ETFs posted a choppy but clearly negative week for flows, reflecting fragile sentiment after November’s slide in BTC price.","Ethereum ETF Flows","Ethereum ETFs opened the week with heavy net outflows of about $79 million on Monday, as traders took profits and rotated into cash following November’s volatility. On Tuesday, redemptions eased to roughly $10 million, with smaller withdrawals spread across the main issuers. Wednesday marked the strongest day of the week, as net inflows swung to roughly $140 million, led by sizeable creations in BlackRock and Fidelity’s funds and renewed interest in Grayscale’s spot and converted products. Flows turned negative again on Thursday, with around $41.5 million leaving the complex as some investors locked in gains from the midweek bounce.","Solana SOL Flows","Solana ETFs saw a small net outflow of about $13.5 million on Monday, with selling focused in 21Shares’ TSOL product while Bitwise’s BSOL and VanEck’s VSOL remained relatively stable. On Tuesday, flows reversed sharply as the group attracted roughly $45.7 million in net inflows, led by Bitwise, VanEck and Fidelity’s FSOL as dip buyers stepped in after the broader market selloff. Wednesday then delivered the weakest session of the week, with about $32.9 million in net redemptions driven largely by TSOL, echoing reports of record outflows from that fund. Flows stabilized on Thursday with a modest $4.2 million in net creations spread across BSOL, VSOL and Grayscale’s GSOL. Overall, Solana ETFs ended the week only slightly positive, underscoring how quickly sentiment around the new products is swinging between aggressive dip-buying and equally sharp bouts of profit-taking.","7 Day Snapshot - Coins Available on Metal Pay","The most volatile coins on Metal Pay this week were LOAN Protocol, Metal Blockchain, Hedera and XPR Network, which all posted double-digit declines. LOAN Protocol led the downside with a roughly 17.4% drop. Metal Blockchain (METAL) and XPR Network (XPR) each saw steeper swings. Hedera (HBAR) slid after a sharp 10% selloff into key technical support, while XRP’s nearly 10% weekly loss came amid heavy trading around new regulatory approvals and fresh escrow movements. Despite project-specific headlines, this basket mainly highlights how smaller-cap payment and infrastructure tokens underperformed in a fearful market, even as investors weighed whether the current drawdown is an opportunity or a warning.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-5-december-2025"},"/news-insights/crypto-news---9-january-2026":{"version":1,"title":"Crypto News - 9 January 2026 — Metal Pay - Crypto, The Right Way.","description":"ETF Volatility Tests Crypto Markets","keywords":"","h1":["Crypto News - 9 January 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 10, 2026","Morgan Stanley files for bitcoin and solana ETFs","Morgan Stanley filed with the SEC to launch ETFs tied to bitcoin and solana prices, a notable step by a major U.S. bank deeper into regulated crypto exposure. The move signals that large financial institutions are increasingly comfortable packaging crypto beta into familiar ETF wrappers rather than pushing clients to hold tokens directly. Reuters noted the filing arrives amid a more permissive U.S. stance toward bank participation in crypto activity and continued investor demand for exchange-traded access. If approved, these products would broaden mainstream on-ramps and add another channel for institutional flows. It also underscores how quickly crypto has shifted from “alternative” to a competitive battleground for traditional asset managers and banks.","Trump-linked World Liberty seeks national trust bank charter","World Liberty Financial, a crypto venture backed by the Trump family, said a subsidiary applied to the OCC to create a national trust bank focused on stablecoin issuance/redemption and digital asset custody. Reuters reported the effort is centered on USD1, the firm’s dollar-backed stablecoin, and is framed as aligning with the GENIUS Act’s stablecoin regime. A trust bank charter would move the business closer to a bank-like footprint, potentially improving perceived safety for users and counterparties relative to less regulated issuers. The application also highlights a broader trend: crypto companies increasingly want bank-grade status to access payments rails, custody credibility, and clearer supervisory pathways. For consumers, it’s another sign that stablecoins are converging toward regulated financial infrastructure rather than remaining a purely crypto-native product.","Truebit token crashes after exploit drains 8,535 ETH","Truebit’s TRU token plunged 99.9% after an exploit reportedly allowed an attacker to extract 8,535 ETH (about $26.6 million) by abusing a flaw in an older smart contract. CoinDesk reported the attacker could acquire TRU at effectively no cost and sell it back to siphon ether, triggering a rapid collapse in TRU’s price and renewed scrutiny of legacy contract risk. The incident is a reminder that smart-contract exposure can persist long after a project’s “active” development phase, especially where older code remains deployed and reachable. For everyday users, the practical takeaway is that token risk is not only about market volatility, technical and operational risk can be just as decisive. It also reinforces why audited upgrades, clear contract deprecation, and conservative permissions matter for any on-chain product that touches user funds.","Bitcoin ETF Flows","On Monday, spot Bitcoin ETFs took in $697.2m, led by BlackRock’s IBIT (+$372.5m) and Fidelity’s FBTC (+$191.2m). Tuesday flipped to a $243.2m net outflow as large redemptions at FBTC (−$312.2m) and Grayscale’s GBTC (−$83.1m) outweighed IBIT’s +$228.7m. The weakest midweek print was Wednesday at −$486.1m, driven again by IBIT (−$130.0m) and FBTC (−$247.6m), with broad softness across ARKB and BITB as well. Outflows stayed heavy Thursday at −$398.8m, with IBIT (−$193.3m) and FBTC (−$120.5m) leading, partially offset by small inflows to BITB (+$3.0m) and BTCW (+$1.9m). Overall, the week opened with strong demand but ended dominated by three straight sessions of net redemptions, leaving flows roughly flat-to-slightly positive across the full window shown. It will be interesting to see how markets close the week today.","Ethereum ETF Flows","On Monday, spot Ethereum ETFs brought in $168.0m, led by BlackRock’s ETHA (+$102.9m) with support from Fidelity’s FETH (+$21.8m) and Grayscale’s ETH (+$22.3m). Tuesday remained positive at +$114.7m, but flows were more mixed as ETHA (+$198.8m) offset sizeable outflows from Grayscale’s ETHE (−$53.0m) and ETH (−$32.5m). The strongest/weakest midweek swing came as Wednesday turned to −$98.3m, led by ETHE (−$52.0m) with additional redemptions across FETH and ETHW. Outflows accelerated Thursday to −$159.2m, driven primarily by ETHA (−$107.7m) alongside ETHE (−$31.7m) and ETH (−$12.9m). Overall, ETH ETF flows stayed net positive for the broader window shown thanks to large ETHA creations early in the week, even as Grayscale products saw consistent pressure into the back half.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","XPR Network (XPR) led the pack this week, up +23.2%, with LOAN Protocol (LOAN) close behind at +21.9% as smaller-cap names outperformed during a choppy macro-driven tape. Ripple (XRP) still posted a solid +9.0% week, extending its early-2026 momentum as investors continue to focus on product-driven demand and broader market narratives around XRP investment vehicles. Metal Blockchain (METAL) gained +8.6% and Metal DAO (MTL) rose +8.5%, tracking the broader rotation into altcoins that showed relative strength even as ETF flows turned volatile midweek.","Sentiment remains cautious: the Crypto Fear & Greed Index finished the week at 27 (“Fear”), roughly unchanged from last week’s 28, suggesting risk appetite is improving only gradually.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---9-january-2026"},"/news-insights/crypto-news-12-december-2025":{"version":1,"title":"Crypto News - 12 December 2025 — Metal Pay - Crypto, The Right Way.","description":"Five crypto firms set to become U.S. banks","keywords":"","h1":["Crypto News - 12 December 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 12, 2025","Five crypto firms move closer to becoming U.S. banks","Five major crypto firms, including Ripple, Circle and Fidelity Digital Assets, have taken concrete steps toward obtaining U.S. banking charters, signaling deeper integration between the digital asset sector and traditional finance. According to regulatory filings, the applications would allow these firms to offer custody, payments and settlement services directly under federal banking supervision. Supporters argue the move could strengthen consumer protections and bring crypto activity further onshore, while critics warn it may blur lines between banking and higher-risk digital asset businesses. The applications come as U.S. regulators face growing pressure to clarify how crypto firms can operate within existing financial frameworks. Approval would mark a significant shift in how crypto companies interact with the regulated banking system.","CFTC clears path for spot crypto on regulated exchanges","U.S. spot crypto products are set to begin trading on CFTC-registered exchanges for the first time, marking a notable expansion of regulated market access beyond derivatives. The move is framed by the agency as a customer-protection upgrade, positioning U.S. venues as an alternative to offshore exchanges after recent incidents abroad. The announcement also fits into a broader U.S. policy push to bring crypto activity onshore with clearer rules and supervision. Market participants will be watching which contracts list first, how liquidity develops, and whether other regulated venues follow with competing offerings.","Bitcoin ETF Flows","Monday (Dec 8) saw bitcoin ETFs log $60.4m of net outflows, with selling led by Grayscale’s GBTC (-$44.0m) and Fidelity’s FBTC (-$39.4m), partly offset by BlackRock’s IBIT (+$28.8m). Tuesday (Dec 9) flipped back to $151.9m of net inflows, driven by FBTC (+$198.9m) and additional support from Grayscale’s BTC (+$33.8m) and GBTC (+$17.5m), even as IBIT posted -$135.4m. The strongest midweek day was Wednesday (Dec 10) with $223.5m of inflows, led by IBIT (+$192.9m) alongside FBTC (+$30.6m). Thursday (Dec 11) was the weakest session at $77.5m of net outflows, with redemptions led by FBTC (-$103.6m) and HODL (-$19.4m) despite IBIT (+$76.7m).","Ethereum ETF Flows","Monday (Dec 8) opened with $35.5m of net inflows, led by BlackRock’s ETHA (+$23.7m) and Grayscale’s ETH (+$11.8m). Tuesday (Dec 9) strengthened sharply to $177.7m of inflows, paced by Fidelity’s FETH (+$51.5m), ETHA (+$35.3m) and Grayscale’s ETH (+$45.2m), with smaller adds across several other products. The strongest midweek day was Wednesday (Dec 10) at $57.6m of inflows, driven almost entirely by ETHA (+$56.5m) even as FETH showed -$6.8m. Thursday (Dec 11) reversed to $42.3m of net outflows, led by Grayscale’s ETHE (-$31.2m) and Grayscale’s ETH (-$10.0m), partially offset by 21Shares’ TETH (+$2.1m).","Solana ETF Flows","Monday (Dec 8) saw Solana ETFs post a modest $1.2m net inflow, coming entirely from Fidelity’s FSOL (+$1.2m). Tuesday (Dec 9) improved to $16.6m of inflows, led by Bitwise’s BSOL (+$7.8m) and Grayscale’s GSOL (+$5.8m), with smaller contributions from FSOL (+$2.5m) and VanEck’s VSOL (+$0.5m). The strongest midweek day was Thursday (Dec 11) with $11.0m of inflows, supported by BSOL (+$4.4m), FSOL (+$3.6m) and GSOL (+$2.6m). Wednesday (Dec 10) was the weakest midweek session at $4.9m, still positive, led by BSOL (+$3.7m) with small adds elsewhere.","7 Day Snapshot - Coins Available on Metal Pay","Litecoin (LTC) led Metal Pay’s tracked names over the past 7 days, edging higher while most majors were flat to slightly higher. Bitcoin (BTC) and Ethereum (ETH) also posted small gains, suggesting the week was more about stabilization than a broad risk-on rebound. Metal DAO (MTL) held roughly flat over the 7 days, while Solana (SOL) was the lone laggard, slipping slightly. With moves this small, price action likely reflects macro risk appetite and positioning more than any single catalyst, with investors rotating defensively into large, liquid tokens.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-12-december-2025"},"/news-insights/crypto-news-19-december-2025":{"version":1,"title":"Crypto News - 19 December 2025 — Metal Pay - Crypto, The Right Way.","description":"Crypto investors turn cautious as downturn reshapes strategies","keywords":"","h1":["Crypto News - 19 December 2025"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Dec 19, 2025","Crypto investors turn cautious as downturn reshapes strategies","Crypto markets have seen investors shift toward more defensive positioning as the latest selloff hit some of the industry’s most popular segments. Reuters reported that the pullback is pushing more participants toward active strategies and risk management, while some bitcoin mining firms are increasingly pivoting business models toward AI data-center work to diversify revenue. The broader message from market participants is that easy momentum has faded and investors are focusing more on liquidity, carry, and balance-sheet resilience. The rotation underscores how quickly sentiment can change after a sharp drawdown.","Fear & Greed Index hovers near extreme fear as traders stay defensive","Crypto market sentiment deteriorated further into the end of the week, with the Crypto Fear & Greed Index falling to a reading of 16 on Friday, firmly in “Extreme Fear” territory. Data from Alternative.me showed the index slipping from 17 the prior day and well below last week’s reading of 29, highlighting how quickly confidence has eroded. Such low levels typically reflect widespread risk aversion, reduced leverage, and traders prioritizing capital preservation over new exposure. Historically, extended periods of extreme fear are associated with thin liquidity and heightened sensitivity to macro and policy headlines.","Crypto in 2025: A Year of Quiet Maturation","2025 wasn’t the year crypto dominated headlines, it was the year it quietly grew up. After years defined by hype cycles and high-profile failures, the industry shifted its focus toward foundations: clearer regulation, institutional-grade infrastructure, and real-world use cases that extend beyond trading. Stablecoins moved closer to becoming financial plumbing, tokenization advanced behind the scenes, and the line between traditional finance and crypto continued to narrow. Trust, governance, and operational discipline mattered more than speed. For a deeper reflection on how crypto went mainstream in unexpected ways this year, Paul Grey’s year-in-review captures the shift well: https://x.com/paulgrey/status/2001050714043519310","Bitcoin ETF Flows","Monday (Dec. 15) saw bitcoin ETFs post a net -$357.6m, driven by heavy outflows from Fidelity’s FBTC (-$230.1m) alongside redemptions in Bitwise’s BITB (-$44.3m) and ARK’s ARKB (-$34.5m). Tuesday (Dec. 16) remained negative at -$277.2m, led by BlackRock’s IBIT (-$210.7m) and further selling in BITB (-$50.9m) and ARKB (-$16.9m). Midweek, the strongest day was Wednesday (Dec. 17) at +$457.3m as FBTC (+$391.5m) and IBIT (+$111.2m) outweighed modest outflows in ARKB (-$37.0m). Thursday (Dec. 18) slipped back to -$161.3m with FBTC (-$170.3m) the main drag despite small inflows to IBIT (+$32.8m). Overall, flows were volatile, with one major inflow day unable to fully offset large early-week redemptions.","Ethereum ETF Flows","Monday (Dec. 15) opened with ethereum ETFs at -$224.8m, led by BlackRock’s ETHA (-$139.1m) and sizable outflows from Grayscale’s ETHE (-$35.1m) and Grayscale’s ETH (-$20.2m). Tuesday (Dec. 16) was similarly weak at -$224.2m, almost entirely driven by ETHA (-$221.3m) plus smaller redemptions in Fidelity’s FETH (-$2.9m). Midweek, the least-bad day was Wednesday (Dec. 17) at -$22.4m, with losses concentrated in ETHA (-$19.6m) and FETH (-$2.8m). Thursday (Dec. 18) deteriorated again to -$96.6m as ETHA (-$102.2m) outflows were only partially offset by modest inflows to ETHE (+$2.7m) and ETH (+$2.9m). Overall, the week was defined by persistent ETHA-driven redemptions and consistently negative totals.","Solana ETF Flows","Monday (Dec. 15) saw Solana ETFs post a net +$35.2m, led by Fidelity’s FSOL (+$38.7m) while Bitwise’s BSOL recorded a -$4.6m outflow. Tuesday (Dec. 16) cooled to +$3.6m, supported by inflows into Grayscale’s GSOL (+$1.9m) and BSOL (+$1.3m) with smaller adds to VanEck’s VSOL (+$0.4m). Midweek, the strongest day was Thursday (Dec. 18) at +$13.2m as FSOL (+$6.6m) and BSOL (+$3.0m) led, supported by GSOL (+$2.5m) and VSOL (+$1.1m). Wednesday (Dec. 17) also remained constructive at +$11.0m, again led by BSOL (+$7.0m). Overall, SOL flows stayed positive through the week, suggesting steadier demand even as broader risk sentiment remained cautious.","Biggest Movers (Coins Available on Metal Pay)","Selling pressure intensified across these coins over the past seven days, making them the sharpest downside movers on Metal Pay during the broader market pullback. XPR Network (XPR) led declines at -18.7%, followed closely by LOAN Protocol (LOAN) (-17.0%) and Metal DAO (MTL) (-14.7%), as smaller-cap and ecosystem-linked tokens saw outsized moves amid risk-off sentiment. Metal Blockchain (METAL) (-10.8%) and Hedera (HBAR) (-10.4%) also retraced meaningfully as liquidity thinned across altcoins. Historically, clusters of steep weekly drawdowns often coincide with elevated fear readings and forced de-risking, conditions that some investors view as potential entry points once volatility stabilizes and broader sentiment begins to recover.","That’s it for Crypto News in 2025. Thank you to everyone who joins us each Friday to track the markets. From the entire Metal Pay team, we hope you enjoy the holiday season and return in 2026 refreshed and ready for the year ahead.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news-19-december-2025"},"/news-insights/crypto-news---16-january-2026":{"version":1,"title":"Crypto News - 16 January 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Sentiment Turns Neutral as ETF Inflows Rebuild","keywords":"","h1":["Crypto News - 16 January 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 16, 2026","US Senate crypto bill delayed after stablecoin rewards dispute","A key U.S. crypto market-structure bill hit a delay this week after Coinbase publicly opposed the latest version, prompting the Senate Banking Committee to pause its planned action. The fight centered on how the bill would treat rewards tied to stablecoin holdings, an issue banks have warned could accelerate deposit flight. The delay highlights how policy details around consumer “yield” and rewards are becoming a major fault line for U.S. crypto regulation. For users, the immediate impact is continued regulatory uncertainty around exchanges, stablecoin programs, and tokenized financial products while lawmakers revisit the language.","Visa highlights accelerating use of stablecoins for settlement","Visa executives said this week that stablecoins are becoming a more significant settlement layer within global payments, citing rising volumes and broader experimentation by financial institutions and fintech firms. The company framed stablecoins less as speculative assets and more as infrastructure that can move value faster and more efficiently than legacy rails. Visa’s comments reinforce a broader industry shift toward on-chain settlement for cross-border and wholesale transactions. The pace of adoption, however, will depend on how regulators and banks finalize rules around custody, compliance, and integration with existing payment systems.","SEC no-action letter clears path for a payments-and-rewards token","A Texas homebuilder said it received an SEC “no-action” letter supporting the launch of a crypto token designed for payments and customer rewards rather than investment. The planned token would be used for spending via a wallet and payment card, with rebates and discounts structured as rewards instead of securities-style returns. While this is a niche issuer, the bigger signal is that U.S. regulators may be willing to provide clearer lanes for consumer rewards programs when they are tightly scoped and avoid profit-sharing features. For the broader market, it’s another data point on how compliant tokenized rewards may be structured going forward.","Crypto Fear & Greed Index","Crypto market sentiment has moved back into Neutral (49) for the first time in roughly a month, marking a notable shift from the extreme fear conditions seen in December. Just days ago the index briefly touched Greed (61), while last week it sat at Fear (27) and last month at Extreme Fear (16). The return to neutral suggests selling pressure has eased and positioning is becoming more balanced, with neither panic nor euphoria dominating market behavior. Historically, neutral readings often appear during consolidation phases, where markets digest prior volatility before choosing a clearer directional trend. In this context, sentiment stabilization aligns with improving ETF flows and steadier price action across major assets.","Bitcoin ETF Flows","Bitcoin spot ETFs started the week with net inflows of $116.7m on Monday, led by Fidelity’s FBTC (+$111.7m) and Grayscale’s GBTC (+$64.3m), while BlackRock’s IBIT saw -$70.7m. Tuesday accelerated with $753.8m of net inflows, paced by FBTC (+$351.4m) and IBIT (+$126.3m) alongside strength in Bitwise’s BITB (+$159.4m). The strongest day midweek was Wednesday at $840.6m as IBIT dominated (+$648.4m), while Thursday cooled to $100.2m as IBIT inflows (+$315.8m) were partly offset by FBTC outflows (-$188.9m) and GBTC (-$36.4m). Overall, flows swung sharply higher after last Friday’s -$250.0m, with strong midweek demand driving a net-positive run into the end of the snapshot.","Ethereum ETF Flows","Ethereum spot ETFs opened the week with a modest $5.1m net inflow on Monday as Grayscale’s ETHE (+$50.7m) and Grayscale’s ETH (+$29.3m) outweighed a large BlackRock ETHA outflow (-$79.9m). Tuesday strengthened to $130.0m of net inflows, led by ETHA (+$53.3m) and Grayscale’s ETH (+$35.4m) with additional support from Bitwise’s ETHW (+$23.0m). The biggest midweek day was Wednesday at $175.1m as ETHA (+$81.6m) and Grayscale’s ETH (+$43.5m) led, while Thursday remained firm at $164.4m driven primarily by ETHA (+$149.2m). Overall, flows improved materially versus last Friday’s -$93.8m, with three consecutive inflow days signaling steadier demand through the week.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","Ethereum (ETH) led Metal Pay’s 7-day gainers, rising 4.8% and slightly outpacing Bitcoin’s 3.9% move as spot ETF demand for both assets improved midweek. XPR Network (XPR) added 2.6% and Solana (SOL) gained 2.5%, extending the week’s risk-on tone across large-cap alt exposure. Metal Blockchain (METAL) was up 0.6%, holding a small edge into the weekly close. In the background, stablecoin policy debates in Washington and continued institutional focus on stablecoin settlement kept attention on the “rails” side of crypto, while ETF flow strength helped support majors.","Build your own crypto stack without timing the market. Set automatic buys, choose your schedule, and invest consistently over time.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---16-january-2026"},"/news-insights/crypto-news---23-january-2026":{"version":1,"title":"Crypto News - 23 January 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Slides on Tariff Fears as ETF Outflows Accelerate","keywords":"","h1":["Crypto News - 23 January 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 23, 2026","Crypto Prices Slide as Tariff Rhetoric Triggers Risk-Off Move","Crypto markets saw a sharp pullback this week as renewed tariff and trade policy discussions pressured global risk assets, spilling into digital assets. Bitcoin and ethereum both declined alongside equities, while some altcoins experienced outsized losses as traders reduced exposure. Analysts cited concerns that broader trade measures could slow global growth and keep financial conditions tighter for longer, weighing on speculative assets. The selloff was reinforced by sustained outflows from U.S. bitcoin and ethereum ETFs, signaling continued caution from institutional investors. By week’s end, sentiment indicators had deteriorated rapidly, underscoring the market’s shift into a defensive posture.","The shift was echoed in sentiment indicators, with the Crypto Fear & Greed Index sliding back into “Extreme Fear” by week’s end as investors pulled back amid heightened macro uncertainty.","Silver Breaks Above $100 as Crypto Struggles in Risk-Off Week","Silver prices surged above $100 per ounce this week, hitting a fresh record as investors rotated into traditional safe-haven assets amid rising macro uncertainty. Reuters reported the move was driven by a combination of safe-haven demand, strong industrial consumption expectations, and investor hedging as tariff and trade policy tensions resurfaced. The rally in precious metals stood in sharp contrast to crypto markets, where bitcoin, ethereum, and altcoins posted broad declines alongside heavy ETF outflows. The divergence highlights how capital shifted toward hard assets during the risk-off move, even as digital assets failed to attract the same defensive inflows. By week’s end, silver’s breakout underscored the market’s preference for established stores of value during periods of heightened uncertainty.","BitGo IPO Reopens the Crypto Listing Window","Crypto custody firm BitGo debuted on the NYSE this week, a notable milestone for public-market appetite after a quiet stretch for crypto listings. Reuters reported the company opened above its IPO price and briefly implied a multi-billion-dollar valuation, signaling that investors are still willing to back infrastructure businesses with compliance and custody positioning. The listing is being watched as a bellwether for other crypto companies considering the public markets, especially as regulatory tone and risk appetite continue to evolve. For users, it’s another reminder that custody, settlement, and regulated rails remain a core theme of this cycle, even as token prices swing.","Strategy Adds $2.13B in Bitcoin as Volatility Persists","Michael Saylor’s bitcoin-focused firm Strategy disclosed another large BTC purchase this week, adding roughly $2.13 billion worth of bitcoin over an eight-day span. The move underscores continued institutional-style accumulation even as broader market sentiment has cooled and price action has stayed choppy. Reuters said the company acquired about 22,305 BTC and continues to frame bitcoin as a long-term treasury asset, despite volatility putting pressure on crypto-linked equities. For the market, the takeaway is mixed: big buyers are still stepping in, but flows and sentiment indicators suggest many participants are staying cautious near-term.","Bitcoin ETF Flows","Bitcoin ETFs opened the week with heavy net outflows of $479.7 million, led by redemptions from Fidelity’s FBTC (-$152.1m) and Grayscale’s GBTC (-$160.8m), alongside losses from BlackRock’s IBIT (-$56.9m). Outflows accelerated the following session to $708.7 million, as IBIT (-$356.6m) and FBTC (-$287.7m) accounted for most of the selling, partially offset by a small inflow into VanEck’s HODL (+$6.4m). Midweek pressure eased notably, with the lightest day seeing net outflows of just $32.2 million, driven mainly by IBIT and FBTC. Overall, the period was characterized by sustained redemptions across major issuers, reinforcing a defensive tone in institutional bitcoin positioning.","Ethereum ETF Flows","Ethereum ETFs began the week with net outflows of $230.0 million, led by BlackRock’s ETHA (-$92.3m) and Fidelity’s FETH (-$51.5m), with additional pressure from Grayscale’s ETHE (-$38.5m). The following session saw outflows deepen to $287.0 million, as ETHA (-$250.3m) dominated activity, while modest inflows into Grayscale’s ETH (+$10.0m) provided limited relief. Midweek flows moderated, with the weakest session totaling $42.0 million in net outflows, as losses in ETHA and Bitwise’s ETHW (-$15.2m) were partly offset by inflows into ETHE and ETH. Overall, ethereum ETFs experienced persistent net outflows across the main trading days, reflecting cautious institutional sentiment.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","This week’s biggest movers reflected broad-based downside pressure, with losses extending beyond smaller altcoins into major assets. LOAN Protocol led declines in tokens we track, falling 17.3% over seven days, followed by Metal Blockchain (-16.6%) and XPR Network (-13.8%). Notably, majors were not spared, with Ethereum (-9.7%) and Solana (-10.9%) also feeling the heat. The synchronized selloff across both majors and ecosystem tokens was largely driven by renewed macro uncertainty, as escalating tariff and trade policy discussions weighed on global risk appetite and prompted defensive positioning across crypto markets.","Trade these digital assets, and more - directly in Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---23-january-2026"},"/news-insights/crypto-news---30-january":{"version":1,"title":"Crypto News - 30 January — Metal Pay - Crypto, The Right Way.","description":"Crypto Slides as Fed Chair Speculation Hits Risk Appetite","keywords":"","h1":["Crypto News - 30 January"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jan 30, 2026","Crypto News - 30 January 2026 - Crypto Slides as Fed Chair Speculation Hits Risk Appetite","Crypto markets fell late this week as investors digested fresh macro uncertainty and a broader risk-off move across equities. Reuters reported bitcoin slid to a two-month low amid rising speculation that former Fed governor Kevin Warsh could be tapped as the next Federal Reserve chair, reviving concerns about tighter liquidity and a smaller Fed balance sheet. Ether also dropped to a two-month low as tech weakness (including a sharp Microsoft decline tied to AI spending concerns) weighed on sentiment. In the background, the Crypto Fear & Greed Index deteriorated further into “Extreme Fear,” underscoring how quickly traders shifted from cautious to defensive. For Metal Pay users, the takeaway is that macro headlines and liquidity expectations are still the dominant driver of weekly price direction.","Fear & Greed Index Sinks to Extreme Fear as Volatility Returns","The Crypto Fear & Greed Index fell to 16 (Extreme Fear) as of Jan 30, reflecting a sharp deterioration in market sentiment after a volatile week. The index was higher on the prior day (26, “Fear”), showing how quickly traders repriced risk as prices slid and uncertainty rose. Readings remained deeply negative versus last week and last month, reinforcing that fear has dominated the tape rather than “buy the dip” confidence. In practical terms, this kind of sentiment regime often coincides with wider spreads, faster liquidations, and heightened sensitivity to macro headlines. For everyday users, it’s a reminder that weekly moves can be driven as much by positioning and emotion as by any single crypto-specific catalyst.","Washington Pushes Crypto Market Rules as Stablecoin Interest Debate Intensifies","U.S. lawmakers and regulators moved closer to a federal crypto market-structure framework this week, but key disputes remain unresolved. Reuters reported the Senate Agriculture Committee advanced a crypto bill that would expand the CFTC’s role in spot crypto oversight, yet the vote was strictly along party lines, signaling a tough path to bipartisan passage. A major sticking point is whether crypto firms should be allowed to offer interest or other returns on stablecoin holdings, an issue banks argue could accelerate deposit outflows. The White House also convened (or prepared to convene) a meeting with banking and crypto leaders to broker compromises on the legislation’s most contentious provisions. For Metal Pay’s audience, the most immediate relevance is stablecoin policy: rules around yields, custody, and permitted activities could shape what products U.S. consumers can access through compliant apps.","Bitcoin ETF Flows","Monday saw a modest net inflow of $6.8m, led by BlackRock’s IBIT (+$15.9m) with support from Grayscale’s BTC (+$7.7m), while Fidelity’s FBTC (-$5.7m) and Bitwise’s BITB (-$11.0m) offset part of the demand. Tuesday flipped decisively negative with $147.4m of net outflows, driven by IBIT (-$102.8m) and FBTC (-$44.6m). Midweek, Wednesday remained soft at -$19.6m as Fidelity’s FBTC (+$19.5m) wasn’t enough to counter outflows from IBIT (-$14.2m), BITB (-$12.6m) and ARKB (-$12.3m). The heaviest selling hit on Thursday with $817.8m of net redemptions, led by IBIT (-$317.8m), FBTC (-$168.0m) and GBTC (-$119.4m). Overall, the week featured persistent institutional de-risking, culminating in a large Thursday outflow that mirrored the broader risk-off move in crypto prices.","Ethereum ETF Flows","Monday posted a strong net inflow of $117.0m, dominated by Fidelity’s FETH (+$137.2m) while BlackRock’s ETHA saw outflows (-$20.2m). Tuesday reversed to $63.6m of net outflows as ETHA (-$59.0m) and Grayscale’s ETHE (-$14.6m) outweighed inflows into Grayscale’s ETH (+$10.0m). Midweek improved on Wednesday with a $28.1m net inflow, led by ETHA (+$27.3m) alongside a small positive print for FETH (+$0.8m). The weakest day was Thursday at $155.7m of net outflows, with selling spread across ETHA (-$54.9m), FETH (-$59.2m), ETHE (-$13.1m) and ETH (-$26.5m). Overall, ETH ETF flows swung sharply day to day, but ended the week tilted negative as risk appetite cooled and outflows accelerated into Thursday.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","This week’s “biggest movers” list was dominated by downside, highlighting the tokens that dropped the most on our tracked tokens during the broader market pullback. Metal Blockchain (METAL) led the declines at -16.6% over 7 days, with LOAN Protocol (-11.6%) and Metal DAO (MTL) close behind as smaller-cap names typically saw amplified volatility. Hedera (HBAR) and XPR Network (XPR) also slid around the -10% range, reflecting how the risk-off tone hit both majors and ecosystem tokens alike. The macro-driven selloff and worsening sentiment (fear readings) were the main backdrop, rather than token-specific catalysts, so the move looked more like correlated de-risking than isolated project news.","Automatic Buys  - Build your crypto stack without timing the market.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---30-january"},"/news-insights/crypto-news---13-february-2026":{"version":1,"title":"Crypto News - 13 February 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Sentiment Sinks to Extreme Fear as ETF Outflows Accelerate","keywords":"","h1":["Crypto News - 13 February 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Feb 13, 2026","Crypto sentiment remained locked in “Extreme Fear” this week, with the Fear & Greed Index holding at 9 as volatility continued across majors. U.S. spot Bitcoin and Ethereum ETFs saw heavy midweek outflows, including more than $400 million in Bitcoin outflows on Thursday, before price action began stabilizing into the end of the week. For everyday investors, periods like this often mark emotional extremes rather than structural breakdowns. Historically, prolonged fear has coincided with long-term accumulation phases as leverage flushes out and stronger hands step in. With volatility elevated and liquidity rotating defensively, markets appear to be recalibrating rather than collapsing.","Bithumb Error Briefly Jolts Markets, Sparks Regulator Scrutiny","South Korean exchange Bithumb said an internal processing error during a promotion resulted in users receiving large amounts of bitcoin by mistake, triggering a brief bout of market stress and forced the platform to rapidly restrict activity. The incident prompted swift attention from local regulators, who raised concerns about operational controls and potential inspection actions. Bithumb said the problem was not a hack, and that most of the mistakenly distributed bitcoin was recovered after accounts were frozen. The episode was a reminder that operational risk, not just price volatility - can still move markets and invite regulatory pressure at the worst possible time.","Treasury Pushes for Clarity Act as Volatility Tests Confidence","U.S. Treasury Secretary Scott Bessent urged Congress to move quickly on a digital-asset market structure bill, arguing that clearer federal rules could help stabilize sentiment after the recent volatility. In public comments, he framed legislation as a way to reduce uncertainty for investors and firms operating in the space, while acknowledging ongoing political and industry disagreements. The renewed push underscores how regulatory direction, alongside macro conditions - continues to shape crypto’s risk premium. For market participants, the message was clear: Washington wants momentum on rules, but timelines and final policy details remain a key swing factor for 2026.","Bitcoin ETF Flows","Monday saw net inflows of $144.9m, led by Grayscale’s BTC (+$130.5m) alongside ARKB (+$14.1m) and HODL (+$12.0m), even as IBIT posted a -$20.9m outflow. Tuesday extended the rebound with $166.5m of inflows, paced by ARKB (+$68.5m), FBTC (+$56.9m) and IBIT (+$26.5m). Midweek turned sharply lower: Wednesday recorded -$276.3m (driven by FBTC -$92.6m, IBIT -$73.4m and ARKB -$70.5m), and Thursday worsened to -$410.2m as IBIT (-$157.6m) and FBTC (-$104.1m) led broad redemptions. Including the prior Friday’s +$371.1m inflow, weekly flows finished essentially flat overall, with early-week strength offset by heavy midweek outflows.","Ethereum ETF Flows","Monday posted net inflows of $57.0m, led by FETH (+$67.3m) and ETH (+$44.6m), despite ETHA seeing a -$45.0m outflow. Tuesday stayed positive but lighter at $13.8m, driven mainly by ETH (+$13.3m). Midweek flipped decisively risk-off: Wednesday saw -$129.1m of outflows led by FETH (-$67.1m) and ETHA (-$29.4m), and Thursday followed with another -$113.1m as FETH (-$43.5m) and ETHA (-$29.0m) again dominated redemptions. Including the prior Friday’s -$16.7m outflow, the week ended net negative overall, with early inflows overwhelmed by sustained midweek selling pressure.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","Even with market sentiment stuck in Extreme Fear this week, Metal ecosystem names held up well. Metal Blockchain (METAL) led the pack with a 9.8% gain over seven days, followed by LOAN Protocol (+5.8%) and Metal DAO (MTL) (+2.1%). Hedera (HBAR) added +2.0% and XPR Network (XPR) finished up +1.7%, showing pockets of resilience as traders selectively rotated into names with stronger relative strength while broader majors stayed volatile.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---13-february-2026"},"/news-insights/crypto-news---6-february-2026":{"version":1,"title":"Crypto News - 6 February 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Markets Slide Sharply as Risk-Off Selling, ETF Outflows Hit Majors, BitcoinVM announcement","keywords":"","h1":["Crypto News - 6 February 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Feb 6, 2026","Crypto markets suffered a broad and aggressive selloff this week, with major assets posting their steepest losses since late 2022 as investors moved decisively into risk-off mode. Bitcoin fell nearly 18% over seven days, while Ethereum and Solana each dropped close to 28%, pressured by a combination of macro uncertainty, heavy liquidations, and sustained ETF outflows. Reuters and CoinDesk reported that U.S. spot Bitcoin ETFs saw renewed net redemptions, removing a key source of institutional support just as prices broke below critical technical levels. Analysts also pointed to forced unwinds of leveraged positions, which accelerated downside momentum once support zones failed. The pullback pushed the Crypto Fear & Greed Index into “Extreme Fear,” highlighting a sharp reset in sentiment as traders step back to reassess positioning amid heightened volatility.","Bitcoin ETF Outflows Accelerate as Institutional Demand Cools","U.S.-listed spot Bitcoin ETFs recorded renewed and sustained net outflows this week, reinforcing the downside pressure already weighing on crypto markets. CoinDesk reported that multiple sessions saw hundreds of millions of dollars exit major funds, led by redemptions from Fidelity’s FBTC and Grayscale’s GBTC, while even BlackRock’s IBIT showed intermittent weakness. Analysts noted that fading ETF inflows remove a key structural support that had underpinned Bitcoin’s rally through late 2025. With institutional demand cooling and retail sentiment sliding into extreme fear, the absence of steady ETF buying has made recent price declines sharper and more persistent. The shift suggests markets may need time to stabilize before longer-term buyers re-engage.","Notably, the selloff coincided with record trading activity in BlackRock’s spot Bitcoin ETF. IBIT recorded more than $10 billion in single-day trading volume, its highest level since launch, as bitcoin prices fell sharply. Analysts said the surge reflected intense institutional repositioning rather than fresh inflows, highlighting how heavy two-way trading and hedging activity can rise even as net flows turn negative. The spike in volume underscored elevated volatility and suggested large investors were actively adjusting exposure during the downturn, rather than stepping away from the market entirely.","BitcoinVM on Metal Blockchain, Expanding Bitcoin Programmability","Metal Blockchain announced the launch of BitcoinVM, a new execution environment designed to bring Bitcoin-style programmability and smart contract functionality onto the Metal ecosystem. According to the Metal Blockchain team, BitcoinVM enables developers to deploy Bitcoin-compatible logic while benefiting from faster settlement, lower fees, and Metal’s compliance-friendly infrastructure. The release is aimed at expanding Bitcoin’s utility beyond simple transfers, supporting use cases such as decentralized finance, tokenized assets, and programmable payments. The move comes as broader crypto markets face volatility, highlighting continued development at the infrastructure layer despite near-term price pressure. Metal said BitcoinVM is part of its longer-term strategy to bridge Bitcoin security with scalable, application-ready blockchain rails.","Bitcoin ETF Flows","Monday saw a sharp rebound with $561.8m of net inflows, led by Fidelity’s FBTC (+$153.3m) and BlackRock’s IBIT (+$142.0m), alongside gains in Bitwise’s BITB (+$96.5m) and ARK’s ARKB (+$65.1m). Tuesday flipped back to $272.0m of net outflows as FBTC (-$148.7m) and ARKB (-$62.5m) led the selling, with GBTC (-$56.6m) also dragging despite IBIT posting a $60.0m inflow. Midweek was weakest on Wednesday with $544.9m of net outflows, driven primarily by IBIT (-$373.4m) and continued redemptions in FBTC (-$86.4m) and GBTC (-$41.8m). Thursday remained negative at $434.1m of net outflows, and last Friday (Jan. 30) also logged a $509.7m outflow led by IBIT (-$528.3m). Overall, flows were volatile and tilted decisively risk-off after Monday’s brief reset.","Ethereum ETF Flows","Monday was effectively flat with a small $2.9m net outflow, as BlackRock’s ETHA (-$82.1m) was mostly offset by Fidelity’s FETH (+$66.6m) plus smaller inflows in Bitwise’s ETHW (+$5.0m) and VanEck’s ETHV (+$7.6m). Tuesday improved to $14.0m of net inflows, helped by ETHA (+$42.9m) and Grayscale’s ETH (+$19.1m), even as FETH (-$54.8m) pulled back. Midweek was weakest on Wednesday with $79.4m of net outflows, led by ETHA (-$58.9m) and FETH (-$20.5m). Thursday stayed soft at $80.8m of net outflows as FETH (-$55.8m) and Grayscale’s ETHE (-$27.1m) outweighed modest positives in ETH (+$7.1m) and Invesco’s QETH (+$3.5m). Overall, ETH ETF flows tracked the broader risk-off tone, with only a brief positive pocket on Tuesday.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","This week’s top movers were defined by downside, with even major assets seeing sharp weekly drawdowns amid ETF outflows and extreme fear. Ethereum (ETH) and Solana (SOL) led losses at nearly 28% each, reflecting how high-beta smart-contract platforms tend to amplify selloffs during risk-off periods. Bitcoin (BTC) held up comparatively better with a 17.9% decline, while Litecoin (LTC) and Dogecoin (DOGE) were the most resilient among majors, each falling roughly 16%. Overall, the list highlights where selling pressure was most concentrated rather than outright strength.","At the time of writing, some altcoins were showing sharp short-term rebounds following the selloff. XRP led 24-hour movers with gains of around 18%, while Hedera (HBAR) rose roughly 11.7%, suggesting opportunistic buying and short covering as traders reacted to extreme fear conditions. These moves came after heavy losses earlier in the week and appeared driven more by volatility and positioning resets than a broader shift in market trend.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---6-february-2026"},"/news-insights/crypto-news---27-february-2026":{"version":1,"title":"Crypto News - 27 February 2026 — Metal Pay - Crypto, The Right Way.","description":"Metallicus Achieves FedNow Request for Payment Certification","keywords":"","h1":["Crypto News - 27 February 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Feb 28, 2026","Metallicus announced it has achieved Request for Payment (RFP) certification for the FedNow Service, expanding its real-time payments infrastructure for U.S. credit unions and banks. With RFP now live alongside Send, Receive, and Liquidity Management capabilities, financial institutions can initiate real-time payment requests directly over the FedNow rail. That means faster settlement, improved cash flow management, and a smoother member experience for bill pay and account-to-account transfers.","For regulated institutions exploring instant payments and digital asset integrations, this milestone reinforces Metallicus’ model: modern rails, compliance-aligned infrastructure, and no requirement to move deposits or custody outside the organization.","Crypto.com Wins Conditional OCC Approval for Trust Bank","Crypto.com received conditional approval from the U.S. Office of the Comptroller of the Currency (OCC) to form a national trust bank, a meaningful step toward operating as a federally regulated digital-asset custodian. A national trust charter can broaden institutional access by formalizing custody and settlement under OCC oversight, even though it does not allow taking deposits or making loans. The move lands as market sentiment remains fragile, with the Crypto Fear & Greed Index still in “Extreme Fear” at 13 on Friday. For everyday users, this is a reminder that the plumbing, custody, compliance, and regulated rails can keep advancing even when prices and sentiment remain cautious.","SEC Updates Enforcement Process to Give More Early Notice","The U.S. Securities and Exchange Commission said it will give investigation subjects more time to respond to Wells notices and added an earlier opportunity to meet with staff within four weeks. The change is part of broader updates to internal enforcement protocols and could affect how quickly potential crypto-related cases move from inquiry to formal action. For fintech platforms and digital asset firms, the update primarily affects process and timing, offering additional opportunity to present facts before staff recommends charges. While enforcement remains active, clearer procedural guardrails may reduce uncertainty for regulated players building long-term infrastructure in the U.S.","Bitcoin ETF Flows","Monday saw a sharp swing to net outflows of $203.8m, led by heavy redemptions in BlackRock’s IBIT (-$116.4m) alongside losses in Bitwise’s BITB (-$43.6m) and Fidelity’s FBTC (-$27.9m). Tuesday flipped back to net inflows of $257.7m, driven by FBTC (+$82.8m), IBIT (+$78.9m), and ARK’s ARKB (+$71.1m). The strongest midweek day was Wednesday with $506.6m of net inflows, powered by IBIT (+$297.4m) and a large print in GBTC (+$102.5m), while Thursday stayed positive at $254.4m as IBIT (+$275.8m) outweighed FBTC (-$51.5m) and ARKB (-$44.9m). Friday was flat at $0.0m. Overall, spot Bitcoin ETFs finished the week with a net inflow of $814.9m.","Ethereum ETF Flows","Monday started with net outflows of $49.5m, led by selling in BlackRock’s ETHA (-$45.4m) with additional pressure from Fidelity’s FETH (-$1.4m) and VanEck’s ETHV (-$2.7m). Tuesday modestly reversed to $9.2m of net inflows, helped by Grayscale’s ETH (+$11.1m) offsetting a small FETH outflow (-$1.9m). The strongest midweek day was Wednesday at $157.2m, driven by Fidelity’s FETH (+$61.9m), Grayscale’s ETHE (+$33.9m) and ETH (+$25.6m), plus ETHA (+$31.3m). Thursday remained slightly positive at $6.6m as ETHA (+$15.3m) and TETH (+$7.6m) outweighed FETH (-$19.2m) and QETH (-$2.2m). Friday was flat at $0.0m. Overall, spot Ethereum ETFs ended the week with a net inflow of $123.5m.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","Metal Blockchain (METAL) led this week’s board with a +3.4% gain, edging out Litecoin (+3.1%) and Metal DAO (+2.8%) as the top performers in a generally cautious tape. Hedera (+1.3%) and Cardano (+1.2%) also managed to stay green, suggesting the week was more about selective stabilization than a broad risk-on rotation. With sentiment still pinned in Extreme Fear, modest positive prints like these often reflect measured dip-buying and consolidation rather than a full momentum breakout across majors.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---27-february-2026"},"/news-insights/crypto-news---20-february-2026":{"version":1,"title":"Crypto News - 20 February 2026 — Metal Pay - Crypto, The Right Way.","description":"Fear & Greed Stays in Extreme Fear as Macro Volatility Lingers","keywords":"","h1":["Crypto News - 20 February 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Feb 20, 2026","Crypto sentiment remained pinned in “Extreme Fear” this week, with the Fear & Greed Index reading 8 (vs. 9 last week), underscoring how cautious positioning still is after the recent shakeout. In broader markets, investors continued to parse mixed U.S. data and shifting risk appetite, with bitcoin and other majors moving alongside wider macro headlines rather than on a single crypto-specific catalyst. The gap between mood and price action stayed notable: even modest rebounds are being met with skepticism, and flows have been choppy. For everyday investors, the setup reads less like euphoria and more like a market still trying to find stable footing.","Tether’s Scale Draws Fresh Scrutiny as USDT Dominates Stablecoins","Tether’s USDT remained the biggest piece of crypto’s plumbing, and Reuters flagged renewed debate over how much systemic risk sits in a single issuer as USDT supply and influence keep expanding. The commentary highlighted Tether’s profitability alongside concerns around transparency and how shifts toward riskier reserves could matter in a stress event. The key takeaway for the broader market is simple: stablecoins are still the rails for liquidity, trading, and on-chain settlement, so confidence in their backing matters disproportionately. Any loss of trust would likely ripple quickly across pricing and venue liquidity given USDT’s role in global crypto markets.","Ethereum Foundation Publishes 2026 Protocol Priorities","The Ethereum Foundation published its protocol priorities update for 2026, outlining a roadmap centered on scaling capacity, improving user experience, and hardening core security. The post framed the work as a continuation of recent upgrades, with an emphasis on increasing throughput and making Ethereum easier to use without sacrificing decentralization goals. For users, the practical implication is that Ethereum’s core R&D is still aiming to push more activity on-chain while smoothing wallet and transaction UX over time. The update also signaled how the foundation is organizing engineering effort and trade-offs as the network plans its next phase of upgrades.","WebAuth Wallet Adds Support for XRPL","WebAuth Wallet has added native support for the XRP Ledger (XRPL), expanding passkey-based wallet access to one of the longest-running blockchain networks. The update allows users to create and manage XRPL accounts using WebAuthn authentication standards, replacing traditional seed phrases with device-based biometric security. By leveraging passkeys, the integration aims to improve usability and reduce friction for both retail users and developers building XRPL-based applications. The move reflects growing demand for hardware-backed authentication and simpler onboarding across multi-chain environments. As XRPL activity evolves, secure and user-friendly wallet infrastructure remains a key layer of adoption.","Bitcoin ETF Flows","With U.S. markets closed Monday for Presidents’ Day, Tuesday opened the week with $104.9m of net outflows, led by BlackRock’s IBIT (-$119.7m), partially offset by Grayscale’s BTC (+$36.0m) and Fidelity’s FBTC (+$5.9m). Wednesday saw deeper redemptions of $133.3m, driven primarily by IBIT (-$84.2m) and FBTC (-$49.1m). The weakest session came Thursday with $165.8m of net outflows, almost entirely from IBIT (-$164.1m). By Friday, flows flipped positive with a $23.6m net inflow, entirely from FBTC. Overall, the week skewed decisively risk-off despite a modest rebound into the close.","Ethereum ETF Flows","With Monday closed for the U.S. holiday, Tuesday began with $48.6m of net inflows, led by BlackRock’s ETHA (+$22.9m), Fidelity’s FETH (+$14.4m), and Grayscale’s ETH (+$11.3m). Wednesday reversed lower with $41.8m of net outflows, as ETHA (-$29.9m) and FETH (-$8.2m) drove redemptions. The weakest session was Thursday at $130.1m in net outflows, dominated by ETHA (-$96.8m) alongside additional FETH and Grayscale ETH selling. Friday flows were nearly flat but slightly negative at -$1.8m. Overall, ETH ETFs followed a similar midweek risk-off pattern after a strong start.","Top Gainers (Coins Available on Metal Pay)","Dogecoin (DOGE) led the weekly snapshot, rising 3.3% and standing out as one of the few clear positives during a cautious week. XRP also remained in the green (+1.3%), while Solana (-0.3%), Litecoin (-0.5%), and Bitcoin (-1.4%) posted only modest pullbacks. In a broader tape marked by extreme fear, these larger-cap names largely absorbed volatility rather than breaking down, suggesting rotation favored liquidity and established assets over speculative outperformance.","These coins and more, available on Metal Pay.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---20-february-2026"},"/news-insights/buy-xrp-instantly-with-metal-pay":{"version":1,"title":"Buy XRP Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Everything you need to know about XRP — what it is, why it matters, and how to buy it instantly with Metal Pay.","keywords":"","h1":["Buy XRP Instantly with Metal Pay"],"h2":["What Is XRP?","XRP vs Other Major Cryptocurrencies","The XRP Ledger Ecosystem","Why Buy XRP with Metal Pay?","Store XRP in WebAuth Wallet","Why Buy XRP?","How to Buy XRP with Metal Pay","Start Buying XRP Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 4, 2026","XRP is the native digital asset of the XRP Ledger (XRPL), an open-source blockchain launched in 2012 by David Schwartz, Jed McCaleb, and Arthur Britto. Unlike Bitcoin, which relies on energy-intensive proof-of-work mining, XRP uses the XRP Ledger Consensus Protocol — a system where trusted validator nodes agree on transactions in 3 to 5 seconds with minimal energy consumption.","XRP was designed from the start for speed and efficiency. The total supply of 100 billion XRP was created at launch with no ongoing mining. Today, XRP consistently ranks among the top digital assets by market capitalization and is one of the most widely traded cryptocurrencies in the world.","What sets XRP apart is its utility. While many cryptocurrencies compete on narrative alone, XRP has a clear use case: enabling fast, low-cost value transfer across borders. A single XRP transaction settles in under 5 seconds and costs a fraction of a cent — making it orders of magnitude faster and cheaper than traditional wire transfers or even most other blockchain networks.","To understand why XRP stands out, it helps to see how it compares to Bitcoin and Ethereum on the metrics that matter most for everyday use:","Feature","XRP","Bitcoin (BTC)","Ethereum (ETH)","Transaction Speed","3–5 seconds","10–60 minutes","12–15 seconds","Transaction Cost","~$0.0002","$1–$30+","$0.50–$20+","Throughput","1,500 TPS","7 TPS","15–30 TPS","Consensus","Federated Consensus","Proof of Work","Proof of Stake","Energy Usage","Negligible","Very High","Moderate","Supply","100B (fixed, no mining)","21M (mined)","No hard cap","For users who want to send value quickly without paying steep fees, XRP offers clear advantages over both Bitcoin and Ethereum.","The XRP Ledger is more than a payments network. Over the past decade, it has evolved into a full-featured decentralized platform with capabilities that extend well beyond simple token transfers:","Built-in DEX — The XRPL has a native decentralized exchange directly on the ledger, allowing users to trade any issued token without relying on a third-party platform.","Automated Market Maker (AMM) — A native AMM protocol was added to the XRPL, enabling liquidity pools and token swaps without intermediaries.","NFTs — The XRPL supports native NFT minting and trading through the XLS-20 standard, with near-zero minting costs compared to Ethereum’s gas fees.","Stablecoins — Multiple stablecoins are issued on the XRP Ledger, expanding its utility for payments and DeFi applications.","Sidechains and Hooks — Upcoming features like Hooks (smart contract functionality) and EVM-compatible sidechains are expanding what developers can build on the XRPL.","This growing ecosystem makes holding XRP more valuable over time — it’s not just a payment token, it’s a gateway to an entire decentralized financial system.","Buying XRP is simple with Metal Pay. Whether you’re new to crypto or an experienced user, Metal Pay makes it easy to purchase XRP quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the easiest ways to buy XRP in these markets. Whether you’re buying XRP in the USA, purchasing XRP in Australia, or getting started with crypto in New Zealand, Metal Pay provides a fast and regulated onramp.","With Metal Pay, you can buy XRP instantly and send it wherever you need — including directly to a non-custodial XRP Ledger wallet. Once you purchase XRP, you have full flexibility to move, store, or use your assets across the entire XRP ecosystem.","Metal Pay is built by Metallicus, the same team behind WebAuth Wallet and the XPR Network. This means deep integration with the broader Metallicus ecosystem and a team that genuinely understands blockchain infrastructure from the protocol level up.","After purchasing XRP with Metal Pay, you can store it securely in a non-custodial wallet on the XRP Ledger. The WebAuth Wallet by Metallicus, available on iOS and Android, now supports the XRP Ledger — giving you full control of your private keys and your XRP.","With WebAuth Wallet you can:","Securely store XRP on the XRP Ledger","Maintain full control of your private keys","Send and receive XRP globally with near-instant settlement","Manage your digital assets with a simple mobile experience","Because WebAuth Wallet is non-custodial, you remain in control of your funds at all times. No exchange holds your keys, no custodian can freeze your account. Your XRP, your keys.","XRP is widely used for fast global payments and cross-border transfers thanks to its speed and efficiency. Here’s what makes it compelling:","Fast transactions — Settlement in around 3 to 5 seconds. No waiting for block confirmations.","Very low fees — Transactions typically cost fractions of a cent, making XRP practical for both large transfers and microtransactions.","Global liquidity — XRP is listed on virtually every major exchange worldwide and is used by financial institutions and payment providers for cross-border liquidity.","Energy efficient — The XRP Ledger’s consensus mechanism uses negligible energy compared to proof-of-work networks, making it one of the most sustainable blockchain platforms.","Regulatory clarity — Following years of legal proceedings, XRP has achieved greater regulatory clarity in the United States than most other digital assets, reducing uncertainty for holders and institutions.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy XRP instantly — Search for XRP, enter an amount, and confirm your purchase. You can also buy XRP directly from your browser.","Send to WebAuth Wallet — Withdraw your XRP to your own non-custodial XRPL wallet for full control.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your XRP can be stored, transferred, or used across the growing XRP Ledger ecosystem — from payments to DeFi to NFTs.","Metal Pay makes it easy to buy XRP instantly and participate in the global digital asset economy. Download Metal Pay on iOS or Android and start buying XRP in minutes.","Then store your XRP securely in WebAuth Wallet — the non-custodial wallet for the XRP Ledger, available on iOS and Android.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-xrp-instantly-with-metal-pay"},"/news-insights/what-are-stablecoins-and-why-do-they-matter":{"version":1,"title":"What Are Stablecoins and Why Do They Matter? — Metal Pay - Crypto, The Right Way.","description":"Stablecoins are the bridge between traditional finance and crypto — here's how they work, why regulators are paying attention, and how Metal Dollar (XMD) fits in.","keywords":"","h1":["What Are Stablecoins and Why Do They Matter?"],"h2":["What Is a Stablecoin?","How Do Stablecoins Hold Their Peg?","Why Do Stablecoins Matter?","The Regulatory Landscape: The GENIUS Act","Metal Dollar (XMD): Built for What’s Next","How Stablecoins Fit Into the Metallicus Ecosystem","Stablecoins on Metal Pay: What’s Available","Getting Started"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 3, 2026","If you’ve spent any time in crypto, you’ve probably heard the term stablecoin. But what exactly is a stablecoin, why are they suddenly at the center of U.S. financial regulation, and how does Metallicus’s own Metal Dollar (XMD) fit into the picture?","This guide breaks it all down — no jargon, no fluff.","A stablecoin is a type of cryptocurrency designed to maintain a steady value, typically pegged 1:1 to a traditional currency like the U.S. dollar. Unlike Bitcoin or Ethereum, whose prices can swing 10% or more in a single day, stablecoins aim to stay at exactly $1.00.","Think of them as digital dollars — they live on the blockchain, move as fast as any crypto transaction, and can be sent anywhere in the world, but they don’t carry the volatility risk that comes with most digital assets.","Not all stablecoins work the same way. The three most common models are:","1. Fiat-Collateralized — The issuer holds actual U.S. dollars (or dollar-equivalent assets like Treasury bills) in reserve. For every stablecoin in circulation, there’s a real dollar backing it. USDC (issued by Circle) and USDT (issued by Tether) are the largest examples — both available on Metal Pay.","2. Crypto-Collateralized — These are backed by other cryptocurrencies, usually over-collateralized to absorb price swings. DAI, issued by MakerDAO, is the most well-known. They’re more decentralized but carry additional smart-contract risk.","3. Reserve-Backed Index Stablecoins — A newer category that backs the stablecoin with a diversified basket of reserves rather than relying on a single asset class. Metal Dollar (XMD), built by Metallicus, falls into this category — a reserve-backed stablecoin index designed for stability, transparency, and real-world utility across DeFi and payments.","Stablecoins have become the backbone of the crypto economy. Here’s why:","Instant, Borderless Payments — Sending $10,000 from New York to Tokyo through a traditional wire can take 2–5 business days and cost $30–50 in fees. With a stablecoin, that same transfer settles in seconds and costs a fraction of a cent. No intermediaries, no banking hours, no currency conversion headaches.","Safe Harbor in Volatile Markets — When crypto markets drop, traders don’t have to cash out to a bank account. They can move into stablecoins instantly, preserving their value on-chain and staying ready to re-enter the market when conditions improve.","DeFi’s Default Currency — Stablecoins power the majority of decentralized finance (DeFi). Lending, borrowing, liquidity pools, yield farming — nearly all of it runs on stablecoin pairs. Without stablecoins, DeFi as we know it wouldn’t function.","On-Ramp to Crypto — For newcomers, stablecoins are often the first step into crypto. Buy a stablecoin on Metal Pay, then use it to explore DeFi, trade on decentralized exchanges, or simply hold a digital dollar in a self-custody wallet.","In July 2025, the United States signed the GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins) into law — the first comprehensive federal framework for stablecoin regulation.","The legislation establishes clear requirements for stablecoin issuers, including:","Mandatory 1:1 reserve backing with high-quality liquid assets","Regular independent audits and public reserve disclosures","Consumer protection standards including redemption rights","A federal licensing pathway alongside existing state frameworks","This is a massive step forward. Before the GENIUS Act, stablecoins operated in a regulatory gray area. Now, issuers have a clear compliance path, and users have stronger protections. It also signals that the U.S. government sees stablecoins as critical financial infrastructure — not a fringe experiment.","Metal Dollar (XMD) is Metallicus’s reserve-backed stablecoin index. Unlike single-collateral stablecoins that rely on a single issuer, XMD is backed by a diversified basket of trusted, non-algorithmic, bank-backed stablecoins — reducing concentration risk and enhancing resilience across market conditions.","The XMD Basket — Three regulated stablecoins currently back Metal Dollar:","USDC (Circle) — The most widely adopted fiat-collateralized stablecoin, backed by U.S. dollars and Treasury securities with monthly independent audits. Available across Ethereum, Solana, XPR Network, Metal L2, and more.","PYUSD (PayPal & Paxos) — Launched in 2023, backed by U.S. dollar deposits and Treasury securities with monthly reserve attestations from Paxos Trust. Brings mainstream accessibility through PayPal’s global reach.","USDP (Paxos Trust) — One of the most highly regulated stablecoins, approved by the New York State Department of Financial Services (NYDFS). Fully collateralized with cash reserves and independently audited.","The smart contract basket dynamically adjusts the reserve mix of these stablecoins to maintain XMD’s stability. This process is automated and governed by predefined rules within the smart contract on XPR Network.","Mint & Redeem — Anyone can mint XMD by depositing any of the basket stablecoins (USDC, PYUSD, or USDP) at a 1:1 ratio. Redemption works the same way — burn XMD and receive the equivalent value in any basket stablecoin. This open mint/redeem mechanism keeps XMD tightly pegged to $1.00.","Governed by Metal DAO — Unlike centralized stablecoins where a single entity makes decisions, Metal Dollar is governed by the community. Holders of Metal (MTL) tokens form the Metal DAO, which votes on which stablecoins are included in the XMD basket via the XPR Network governance dashboard. Voting criteria include stability, regulatory compliance, liquidity, and transparency.","Here’s what else sets XMD apart:","Built by Metallicus — The same team behind Metal Pay, Metal Blockchain, Metal L2, and the FedNow-certified payments infrastructure","DeFi-ready — XMD is the primary trading pair on Metal X, the decentralized exchange built on Metal Blockchain. Mint once, trade with ease, and redeem effortlessly.","Accessible through Metal Pay — The easiest way to buy XMD is through Metal Pay, where you can purchase with a bank account or debit card and then send to your WebAuth Wallet for use in DeFi","Open to institutions — Banks and financial institutions can deploy their own stablecoins into the Metal Dollar Treasury. Inclusion is governed by the Metal DAO community.","Learn more at metaldollar.com.","Metallicus is building a complete financial stack — from traditional banking rails to decentralized infrastructure. Stablecoins are the connective tissue:","Metal Pay — Buy and sell stablecoins (USDC, USDT, XMD) with your bank account. The simplest fiat-to-crypto on-ramp.","Metal X — Trade stablecoins on a decentralized exchange. Provide liquidity, lend, and earn — all powered by stablecoin pairs.","Metal Blockchain & Metal L2 — The underlying infrastructure where stablecoin transactions settle with low fees and high throughput.","FedNow Integration — Metallicus supports the FedNow Service for instant payments between financial institutions, bridging traditional banking speed with blockchain finality.","WebAuth Wallet — Self-custody your stablecoins with biometric security. No seed phrases, no passwords — just your fingerprint or face.","Metal Pay currently supports three stablecoins:","USDC — Circle’s fully-reserved, regularly audited stablecoin. The most widely used stablecoin in DeFi.","USDT — Tether’s stablecoin, the largest by market cap. Dominant in trading pairs across centralized and decentralized exchanges.","XMD (Metal Dollar) — Metallicus’s reserve-backed stablecoin index. Buy on Metal Pay, use across Metal X and the broader Metallicus ecosystem.","Ready to explore stablecoins? Here’s how to get started in three steps:","Download Metal Pay — Available on iOS and Android. Sign up takes minutes.","Buy a stablecoin — Fund your account with a bank transfer or debit card, then purchase USDC, USDT, or XMD.","Use it — Hold as a digital dollar, send to friends, or transfer to your WebAuth Wallet and start exploring DeFi on Metal X.","Stablecoins aren’t just another crypto category — they’re becoming the foundation of a new financial system. Whether you’re a seasoned trader or just getting started, understanding stablecoins is essential. And with Metal Dollar (XMD), Metallicus is making sure you have access to a stablecoin built for transparency, stability, and real utility.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/what-are-stablecoins-and-why-do-they-matter"},"/news-insights/buy-bitcoin-instantly-with-metal-pay":{"version":1,"title":"Buy Bitcoin Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Everything you need to know about Bitcoin — what it is, why it matters, and how to buy BTC instantly with Metal Pay.","keywords":"","h1":["Buy Bitcoin Instantly with Metal Pay"],"h2":["What Is Bitcoin (BTC)?","BTC vs Other Major Cryptocurrencies","The Bitcoin Ecosystem","Why Buy Bitcoin with Metal Pay?","Why Buy Bitcoin?","How to Buy Bitcoin with Metal Pay","Start Buying Bitcoin Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 4, 2026","Bitcoin is the world's first and most widely recognized cryptocurrency, created in 2009 by the pseudonymous Satoshi Nakamoto. It introduced the concept of decentralized digital money — a peer-to-peer electronic cash system that operates without banks, governments, or intermediaries.","Bitcoin runs on a proof-of-work blockchain where miners compete to validate transactions and secure the network. With a hard-capped supply of 21 million coins, Bitcoin is fundamentally scarce — a property that has earned it the label \"digital gold\" and positioned it as a hedge against inflation and currency debasement.","Today, Bitcoin is the largest cryptocurrency by market capitalization, widely held by individuals, corporations, and sovereign wealth funds alike. It's listed on every major exchange, supported by every major wallet, and has become the benchmark against which all other digital assets are measured.","Bitcoin occupies a unique position in the crypto ecosystem. Here's how it compares to Ethereum and other major networks:","Feature","Bitcoin (BTC)","Ethereum (ETH)","Gold","Primary Use Case","Store of value / digital gold","Smart contracts & dApps","Traditional store of value","Supply","21M (hard cap)","No hard cap","~205,000 tonnes mined","Consensus","Proof of Work","Proof of Stake","N/A","Divisibility","100M satoshis per BTC","10^18 wei per ETH","Limited","Portability","Instant global transfer","Physical / costly","Institutional Adoption","Spot ETFs, corporate treasuries","Spot ETFs approved","Centuries of history","Network Age","Since 2009 (longest track record)","Since 2015","Thousands of years","Bitcoin's simplicity is its strength. It doesn't try to be a platform for everything — it excels at being the most secure, decentralized, and battle-tested store of value in the digital asset space.","While Bitcoin was originally designed as peer-to-peer electronic cash, its ecosystem has grown significantly over the years:","Lightning Network — A Layer 2 payment protocol built on top of Bitcoin that enables near-instant transactions with extremely low fees. The Lightning Network makes Bitcoin practical for everyday payments, micropayments, and point-of-sale transactions.","Bitcoin ETFs — The approval of spot Bitcoin ETFs in the United States marked a watershed moment for the asset class. Investors can now gain exposure to Bitcoin through traditional brokerage accounts, retirement funds, and institutional portfolios without directly holding the asset.","Ordinals & Inscriptions — A newer development that enables NFT-like digital artifacts to be inscribed directly on the Bitcoin blockchain, expanding Bitcoin's utility beyond pure value transfer.","Mining & Security — Bitcoin's proof-of-work mining network is the most powerful computing network ever created, providing unmatched security guarantees. The quadrennial halving events — which cut the mining reward in half — create predictable supply reduction and have historically preceded major price appreciation cycles.","Corporate & Sovereign Adoption — Companies like MicroStrategy and Tesla hold Bitcoin on their balance sheets. El Salvador made Bitcoin legal tender. Pension funds and sovereign wealth funds are increasingly allocating to Bitcoin as a strategic reserve asset.","Buying Bitcoin is simple with Metal Pay. Whether you're making your first crypto purchase or dollar-cost averaging into a long-term position, Metal Pay makes it easy to buy BTC quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the easiest ways to buy Bitcoin in these markets. Whether you're buying BTC in the USA, purchasing Bitcoin in Australia, or getting started with crypto in New Zealand, Metal Pay provides a fast and regulated onramp.","With Metal Pay, you can buy Bitcoin instantly and send it wherever you need — to a hardware wallet, a Lightning address, or cold storage. Once you purchase BTC, you have full flexibility to hold, transfer, or use your Bitcoin however you choose.","Metal Pay is built by Metallicus, the same team behind WebAuth Wallet, Metal X, and the XPR Network. This means a team that genuinely understands blockchain infrastructure from the protocol level up.","Bitcoin has evolved from an experiment to the world's most prominent digital asset. Here's what makes it compelling:","Absolute scarcity — Only 21 million Bitcoin will ever exist. No central bank can print more, no committee can change the cap. This makes Bitcoin the first truly scarce digital asset in history.","Proven track record — Bitcoin has been running continuously since January 2009 with 99.98% uptime. No other blockchain comes close to this level of reliability and security.","Institutional momentum — Spot Bitcoin ETFs have attracted billions in inflows since their approval. Major financial institutions including BlackRock, Fidelity, and Goldman Sachs now offer Bitcoin products to their clients.","Inflation hedge — With a fixed supply and predictable issuance schedule, Bitcoin offers a fundamentally different monetary policy than any fiat currency. Many investors view it as a long-term hedge against inflation and currency debasement.","Global accessibility — Bitcoin can be sent to anyone, anywhere in the world, at any time — no banking hours, no intermediaries, no borders. A transaction worth $1 or $1 billion settles with the same process.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy BTC instantly — Search for Bitcoin, enter an amount, and confirm your purchase. You can also buy Bitcoin directly from your browser.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your Bitcoin can be held in the app, transferred to a hardware wallet, or sent to any Bitcoin address worldwide.","Metal Pay makes it easy to buy Bitcoin instantly and join millions of people around the world who hold BTC as part of their financial future. Download Metal Pay on iOS or Android and start buying Bitcoin in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-bitcoin-instantly-with-metal-pay"},"/news-insights/buy-ethereum-instantly-with-metal-pay":{"version":1,"title":"Buy Ethereum Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Everything you need to know about Ethereum — what it is, why it matters, and how to buy ETH instantly with Metal Pay.","keywords":"","h1":["Buy Ethereum Instantly with Metal Pay"],"h2":["What Is Ethereum (ETH)?","ETH vs Other Major Cryptocurrencies","The Ethereum Ecosystem","Why Buy ETH with Metal Pay?","Why Buy ETH?","How to Buy ETH with Metal Pay","Start Buying Ethereum Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 4, 2026","Ethereum is the world’s leading programmable blockchain, launched in 2015 by Vitalik Buterin and a team of co-founders. While Bitcoin introduced the concept of digital money, Ethereum expanded the vision by enabling developers to build decentralized applications (dApps) and smart contracts directly on the blockchain.","Ether (ETH) is the native cryptocurrency of the Ethereum network. It’s used to pay for transaction fees (known as “gas”), power smart contract execution, and participate in the network’s proof-of-stake consensus mechanism. Today, ETH consistently ranks as the second-largest cryptocurrency by market capitalization — right behind Bitcoin.","What makes Ethereum unique is its versatility. It’s the foundation for most of decentralized finance (DeFi), NFTs, stablecoins, and an ever-expanding universe of on-chain applications. Buying ETH isn’t just buying a token — it’s gaining access to the most widely used smart contract platform in the world.","Understanding how Ethereum compares to Bitcoin and other major networks helps illustrate why it holds a unique position in the crypto ecosystem:","Feature","Ethereum (ETH)","Bitcoin (BTC)","Solana (SOL)","Primary Use Case","Smart contracts & dApps","Store of value","High-speed dApps","Transaction Speed","12–15 seconds","10–60 minutes","~0.4 seconds","Consensus","Proof of Stake","Proof of Work","Proof of History + PoS","Smart Contracts","Turing-complete (Solidity)","Limited (Script)","Yes (Rust/C)","DeFi TVL","Dominant (~60%+ of all DeFi)","Minimal","Growing","Layer 2 Ecosystem","Extensive (Arbitrum, Optimism, Base, zkSync)","Lightning Network","N/A","Supply","No hard cap (deflationary post-Merge)","21M (mined)","No hard cap","Ethereum’s unmatched developer ecosystem and first-mover advantage in smart contracts make it the backbone of Web3 — even as newer chains compete on speed and cost.","Ethereum is far more than a cryptocurrency. It’s the platform that powers the largest and most diverse blockchain ecosystem in existence:","Decentralized Finance (DeFi) — Ethereum hosts the majority of DeFi protocols including Uniswap, Aave, Lido, and MakerDAO. Users can lend, borrow, trade, and earn yield — all without intermediaries.","NFTs & Digital Ownership — The ERC-721 and ERC-1155 standards, both Ethereum-native, defined how NFTs work. Major marketplaces like OpenSea were built on Ethereum, and it remains the primary chain for high-value digital collectibles.","Stablecoins — USDC, USDT, and DAI are all issued on Ethereum, making it the primary settlement layer for dollar-denominated stablecoins in DeFi.","Layer 2 Scaling — Networks like Arbitrum, Optimism, Base, and zkSync process transactions off the main chain and settle back to Ethereum, dramatically reducing fees while inheriting Ethereum’s security. This makes Ethereum accessible for everyday transactions.","Staking — Since the Merge in September 2022, Ethereum runs on proof-of-stake. ETH holders can stake their tokens to help secure the network and earn rewards, with approximately 27 million ETH currently staked.","This ecosystem depth is unmatched. Whether you’re interested in DeFi, NFTs, gaming, or building the next generation of internet applications — it all runs on Ethereum.","Buying ETH is simple with Metal Pay. Whether you’re entering the crypto space for the first time or adding to an existing portfolio, Metal Pay makes it easy to purchase Ethereum quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the easiest ways to buy ETH in these markets. Whether you’re buying Ethereum in the USA, purchasing ETH in Australia, or getting started with crypto in New Zealand, Metal Pay provides a fast and regulated onramp.","With Metal Pay, you can buy ETH instantly and send it wherever you need — to a hardware wallet, a DeFi protocol, or a Layer 2 network. Once you purchase ETH, you have full flexibility to move, store, or use your assets across the entire Ethereum ecosystem.","Metal Pay is built by Metallicus, the same team behind WebAuth Wallet and the XPR Network. This means a team that genuinely understands blockchain infrastructure from the protocol level up.","ETH is the most widely used utility token in crypto. Here’s what makes it compelling:","Smart contract dominance — Ethereum has the largest developer community and the most deployed smart contracts of any blockchain. If it’s happening in Web3, it’s likely happening on Ethereum.","Deflationary pressure — Since the introduction of EIP-1559 and the transition to proof-of-stake, ETH can be net deflationary — meaning more ETH is burned in transaction fees than is created as rewards during periods of high network activity.","Institutional adoption — Ethereum ETFs have been approved in the United States, bringing institutional-grade investment vehicles to ETH. Major companies and financial institutions increasingly hold and build on Ethereum.","Staking yield — ETH holders can earn passive income by staking their tokens to help secure the network, with current annual yields typically ranging from 3–5%.","Network effects — Ethereum has the deepest liquidity, the most dApps, and the broadest wallet support of any smart contract platform. These network effects create a powerful flywheel that’s difficult for competitors to replicate.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy ETH instantly — Search for Ethereum, enter an amount, and confirm your purchase. You can also buy ETH directly from your browser.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your ETH can be stored, transferred, staked, or used across the entire Ethereum ecosystem — from DeFi lending to NFT marketplaces to Layer 2 networks.","Metal Pay makes it easy to buy ETH instantly and access the world’s largest smart contract ecosystem. Download Metal Pay on iOS or Android and start buying Ethereum in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-ethereum-instantly-with-metal-pay"},"/news-insights/buy-hbar-instantly-with-metal-pay":{"version":1,"title":"Buy HBAR Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy HBAR instantly with Metal Pay using your debit or credit card. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy HBAR Instantly with Metal Pay"],"h2":["What Is HBAR (Hedera)?","HBAR vs Other Major Cryptocurrencies","The Hedera Ecosystem","Why Buy HBAR with Metal Pay?","Why Buy HBAR?","How to Buy HBAR with Metal Pay","Start Buying HBAR Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 6, 2026","HBAR is the native cryptocurrency of the Hedera network — a public distributed ledger built not on a traditional blockchain, but on a patented data structure called the Hashgraph. Developed by Dr. Leemon Baird and co-founded with Mance Harman, Hedera launched its mainnet in September 2019 with a fundamentally different approach to consensus: one that is faster, fairer, and more energy-efficient than conventional proof-of-work or proof-of-stake blockchains.","Rather than chaining blocks sequentially, Hashgraph uses a “gossip about gossip” protocol and virtual voting to achieve consensus. The result is a network capable of processing over 10,000 transactions per second with finality in under five seconds — all at fixed, predictable fees that typically cost a fraction of a cent.","Hedera is governed by the Hedera Governing Council, a group of up to 39 leading global organizations — including Google, IBM, Boeing, Deutsche Telekom, LG Electronics, Standard Bank, and others. This enterprise-grade governance model distinguishes Hedera from most decentralized networks and has driven significant enterprise adoption across tokenization, supply chain, sustainability tracking, and decentralized finance.","HBAR serves two primary roles on the network: paying for transaction fees and services, and staking to help secure the network and earn rewards.","Here’s how Hedera’s HBAR compares to Bitcoin and Ethereum across the metrics that matter most:","Feature","HBAR (Hedera)","Bitcoin (BTC)","Ethereum (ETH)","Launch Year","2019","2009","2015","Consensus","Hashgraph (aBFT)","Proof of Work","Proof of Stake","Throughput (TPS)","10,000+ TPS","~7 TPS","~15–30 TPS (L1)","Finality","~3–5 seconds","~60 minutes (6 confirms)","~12–15 seconds","Transaction Fees","Fixed, fractions of a cent","Variable (can be high)","Energy Use","Carbon negative","Very high","Moderate (post-merge)","Governance","Enterprise Council (39 orgs)","Decentralized miners","Decentralized validators","Hedera’s Hashgraph consensus is mathematically proven to be asynchronous Byzantine Fault Tolerant (aBFT) — the highest level of security achievable in distributed consensus — giving it a unique technical foundation that no conventional blockchain can match.","Hedera has built a growing ecosystem of enterprise use cases, developer tools, and DeFi applications:","Tokenization — Hedera’s Token Service (HTS) allows organizations to issue and manage tokens natively on the network with no smart contract required. HTS supports fungible tokens, NFTs, and complex token relationships — all processed at Hedera’s high throughput and low cost. Enterprise tokenization projects — from carbon credits to real estate to loyalty programs — have chosen Hedera for its predictable performance.","Sustainability and Carbon Markets — Hedera is carbon negative and is actively used by sustainability initiatives globally. The Hedera Carbon Offset protocol and partnerships with organizations like the Sustainable Bitcoin Protocol and DOVU have made Hedera a leading chain for on-chain environmental asset tracking and voluntary carbon markets.","Enterprise Applications — Governing Council members and external enterprises have built production applications on Hedera across supply chain provenance (ServiceNow, Avery Dennison), healthcare credentialing, cross-border payments, digital identity, and ESG reporting. This is one of the most diverse enterprise use bases of any public distributed ledger.","DeFi and DEX — Hedera’s DeFi ecosystem includes decentralized exchanges like SaucerSwap, lending protocols, and a growing stablecoin landscape. The Hedera DeFi scene is expanding rapidly, driven by low fees and high throughput that make on-chain trading economically viable at any scale.","HBAR Foundation — The HBAR Foundation provides grants and ecosystem funding to developers, startups, and researchers building on Hedera. Its funding programs span DeFi, NFTs, gaming, sustainability, and Web3 infrastructure.","Buying HBAR is simple with Metal Pay. Whether you’re a first-time crypto buyer or adding Hedera to a diversified portfolio, Metal Pay makes it easy to purchase HBAR quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the most accessible ways to buy HBAR in these markets. Whether you’re buying HBAR in the USA, purchasing Hedera in Australia, or picking up some HBAR in New Zealand, Metal Pay provides a fast and regulated onramp.","With Metal Pay, you can buy HBAR instantly and send it to any Hedera account. Once purchased, you have full flexibility to hold HBAR, stake it for network rewards, use it to pay for Hedera services, or interact with DeFi applications across the Hedera ecosystem.","Metal Pay is built by Metallicus, the team behind WebAuth Wallet, Metal X, and the XPR Network — a group that genuinely understands blockchain infrastructure from the protocol level up.","Hedera occupies a rare position in the crypto market: an enterprise-grade distributed ledger with proven performance, institutional backing, and a rapidly expanding on-chain ecosystem. Here’s what makes HBAR compelling:","Unmatched throughput and finality — With 10,000+ TPS and transaction finality in under five seconds, Hedera is built for real-world scale. It can handle enterprise-grade transaction volumes that would overwhelm most traditional blockchains.","Fixed, predictable fees — Unlike Ethereum or Bitcoin where fees fluctuate with network congestion, Hedera’s fees are fixed in USD terms. This makes cost planning for applications straightforward and eliminates the fee volatility that can make other chains impractical for high-frequency use.","Carbon-negative network — Hedera is one of the only major distributed ledgers that is certified carbon negative. For investors and institutions with ESG mandates, this is a meaningful differentiator — and it’s backed by a verifiable commitment, not just a target.","Enterprise governance and stability — The Hedera Governing Council brings a level of organizational stability that few crypto networks can offer. Decisions are made by some of the world’s most reputable corporations — reducing the governance uncertainty that affects many decentralized projects.","Staking rewards — HBAR holders can stake their tokens natively on Hedera to earn rewards while contributing to network security. Staking on Hedera is non-custodial, with no minimum lockup, making it one of the most accessible staking experiences available.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy HBAR instantly — Search for HBAR, enter an amount, and confirm your purchase. You can also buy HBAR directly from your browser.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your HBAR can be held in the app or sent to any Hedera account address worldwide.","Metal Pay makes it easy to buy HBAR instantly and access one of the most technically sophisticated and enterprise-adopted distributed ledgers in the world. Download Metal Pay on iOS or Android and start buying HBAR in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-hbar-instantly-with-metal-pay"},"/news-insights/buy-solana-instantly-with-metal-pay":{"version":1,"title":"Buy Solana Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy SOL instantly with Metal Pay using your debit or credit card. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy Solana Instantly with Metal Pay"],"h2":["What Is Solana (SOL)?","SOL vs Other Major Cryptocurrencies","The Solana Ecosystem","Why Buy Solana with Metal Pay?","Why Buy SOL?","How to Buy Solana with Metal Pay","Start Buying Solana Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 6, 2026","Solana is one of the fastest and most powerful blockchains ever built. Launched in March 2020 by Anatoly Yakovenko and the team at Solana Labs, it was designed from the ground up to solve the scalability bottlenecks that have long plagued older networks like Ethereum.","At the heart of Solana’s performance is a unique innovation called Proof of History (PoH) — a cryptographic clock that enables validators to agree on the order of transactions without the overhead of traditional consensus messaging. Combined with Proof of Stake, this architecture allows Solana to process tens of thousands of transactions per second with sub-second finality and transaction fees that typically cost less than a fraction of a cent.","Solana has grown into one of the most active blockchain ecosystems in the world. It hosts a thriving DeFi landscape, the largest NFT marketplace volume outside Ethereum, a fast-growing gaming sector, and an increasingly vibrant consumer crypto scene. SOL, the native token, is used to pay transaction fees, participate in staking, and interact with applications across the ecosystem.","Here’s how Solana compares to Bitcoin and Ethereum — two of the largest blockchains it’s often measured against:","Feature","Solana (SOL)","Bitcoin (BTC)","Ethereum (ETH)","Launch Year","2020","2009","2015","Consensus","Proof of History + Proof of Stake","Proof of Work","Proof of Stake","Throughput (TPS)","65,000+ TPS","~7 TPS","~15–30 TPS (L1)","Block Time","~0.4 seconds","~10 minutes","~12 seconds","Transaction Fees","Fractions of a cent","Variable (can be high)","Supply","Inflationary (decreasing rate)","21M hard cap","No hard cap","Primary Use Case","DeFi, NFTs, payments, gaming","Store of value","Smart contracts, DeFi","Solana’s combination of raw speed, minimal fees, and smart contract programmability makes it one of the most versatile blockchains available today.","Solana has developed into one of the most active on-chain environments in all of crypto. Its ecosystem spans a wide range of categories:","DeFi — Solana hosts leading decentralized exchanges and liquidity protocols including Jupiter, Raydium, and Orca. Total value locked across Solana DeFi protocols regularly ranks among the top three chains globally, with billions in daily trading volume.","NFTs and Digital Collectibles — Solana became the second-largest NFT ecosystem in the world. Marketplaces like Magic Eden and Tensor have driven enormous volume, and Solana’s low minting costs have made it the preferred chain for creators and collectors looking for a more affordable alternative to Ethereum.","Gaming and Consumer Apps — Solana’s speed and low cost make it ideal for gaming applications and social consumer products. Several of the most innovative blockchain games and mobile-first crypto experiences are being built on Solana, including projects within the Solana Mobile ecosystem.","Stablecoins and Payments — Solana supports major stablecoin infrastructure including USDC (native on Solana), USDT, and others. PayPal launched its PYUSD stablecoin natively on Solana. The speed and low cost of Solana transactions make it one of the best chains for real-world payment use cases.","Developer Activity — Solana consistently ranks among the top chains by active developers and new project deployments. Its tooling, documentation, and ecosystem grants program (Solana Foundation) support a growing cohort of builders.","Buying Solana is simple with Metal Pay. Whether you’re new to crypto or an experienced investor adding SOL to your portfolio, Metal Pay makes it easy to purchase Solana quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the fastest and most straightforward ways to buy Solana in these markets. Whether you’re buying SOL in the USA, purchasing Solana in Australia, or picking up some SOL in New Zealand, Metal Pay provides a fast, compliant onramp.","With Metal Pay, you can buy Solana instantly and send it to any Solana wallet address. Once purchased, you have complete flexibility to hold SOL, stake it for yield, interact with DeFi protocols, or use it across the Solana ecosystem.","Metal Pay is built by Metallicus, the team behind WebAuth Wallet, Metal X, and the XPR Network — a group with deep blockchain infrastructure expertise from the protocol level up.","Solana has established itself as one of the most compelling assets in the crypto market. Here’s what makes it stand out:","Blazing speed — With block times under half a second and throughput exceeding 65,000 TPS, Solana is among the fastest blockchains in production. Applications on Solana feel instant — a significant user experience advantage over slower chains.","Near-zero transaction fees — Sending SOL or interacting with Solana applications typically costs less than $0.001. This makes Solana one of the most practical chains for frequent on-chain activity without the friction of high fees.","Vibrant, growing ecosystem — From DeFi to NFTs to gaming to consumer payments, Solana’s ecosystem is one of the most diverse and active in all of crypto. Established projects and new launches alike continue to choose Solana for its performance and developer experience.","Institutional and retail adoption — Solana has attracted significant institutional interest and is supported by every major exchange. Its position in the market — alongside BTC and ETH — makes SOL one of the most accessible and liquid digital assets available.","Staking yields — SOL holders can stake their tokens to earn passive rewards while contributing to network security. Solana’s staking is native and straightforward, with a wide range of validators and delegation options available.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy SOL instantly — Search for Solana, enter an amount, and confirm your purchase. You can also buy Solana directly from your browser.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your SOL can be held in the app or sent to any Solana wallet address worldwide.","Metal Pay makes it easy to buy Solana instantly and access one of the most powerful blockchain ecosystems in crypto. Download Metal Pay on iOS or Android and start buying SOL in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-solana-instantly-with-metal-pay"},"/news-insights/buy-dogecoin-instantly-with-metal-pay":{"version":1,"title":"Buy Dogecoin Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy DOGE instantly with Metal Pay using your debit or credit card. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy Dogecoin Instantly with Metal Pay"],"h2":["What Is Dogecoin (DOGE)?","DOGE vs Other Major Cryptocurrencies","The Dogecoin Ecosystem","Why Buy Dogecoin with Metal Pay?","Why Buy DOGE?","How to Buy Dogecoin with Metal Pay","Start Buying Dogecoin Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 4, 2026","Dogecoin is a cryptocurrency that began in December 2013 as a lighthearted parody of Bitcoin, created by software engineers Billy Markus and Jackson Palmer. Inspired by the viral “Doge” internet meme featuring a Shiba Inu dog, it was never intended to be a serious project. But the internet had other plans.","What started as a joke quickly became one of the most recognized and widely held cryptocurrencies in the world. Dogecoin built one of the most passionate communities in crypto — known for charitable causes, online tipping, and relentless enthusiasm. Over time, it attracted serious investment and mainstream attention, culminating in a market capitalization that put it among the top digital assets by size.","Unlike Bitcoin’s hard-capped supply, Dogecoin issues 10,000 new DOGE with every block — roughly every minute. This inflationary design keeps transaction fees extremely low and makes DOGE well-suited for small everyday payments, tips, and transfers. It runs on a Scrypt-based proof-of-work blockchain, technically derived from Litecoin, giving it fast and reliable transaction finality.","Here’s how Dogecoin stacks up against Bitcoin and Litecoin — its closest technical relatives:","Feature","Dogecoin (DOGE)","Bitcoin (BTC)","Litecoin (LTC)","Launch Year","2013","2009","2011","Supply","Uncapped (~146B+ in circulation)","21M hard cap","84M hard cap","Block Time","~1 minute","~10 minutes","~2.5 minutes","Transaction Fees","Fractions of a cent","Variable (can be high)","Very low","Consensus","Proof of Work (Scrypt)","Proof of Work (SHA-256)","Primary Use Case","Payments, tips, culture","Store of value","Fast payments","Community","One of the largest in crypto","Largest by market cap","Established","Dogecoin’s combination of ultra-low fees, fast block times, and massive brand recognition has made it one of the most used cryptocurrencies for actual transactions and tipping.","Dogecoin’s influence extends far beyond its meme origins. Its ecosystem has matured significantly over the past decade:","Payments and Tipping — DOGE’s low fees and fast confirmations make it one of the most practical cryptocurrencies for real-world micropayments. It has been used to tip content creators on Reddit, fund charitable causes (including the Jamaican bobsled team’s 2014 Winter Olympics campaign), and pay for goods and services online.","Merchant Acceptance — Dogecoin is accepted by a growing number of merchants worldwide. Tesla briefly accepted DOGE for merchandise purchases, and several major retailers and online platforms have integrated DOGE payments, driven largely by community enthusiasm.","Exchange Listings — DOGE is listed on virtually every major cryptocurrency exchange globally, with consistent top-10 trading volume rankings. Its liquidity is among the deepest of any altcoin.","Mainstream Recognition — Dogecoin reached cultural moments that no other crypto has matched. From Saturday Night Live appearances to its logo appearing on a SpaceX rocket and the side of a NASCAR vehicle, DOGE has broken through into mainstream pop culture in a way few digital assets ever have.","Community & Culture — The Dogecoin community — the “Doge Army” — is one of the most active and generous in all of crypto. It has collectively raised millions of dollars for charitable causes and remains a defining feature of what makes Dogecoin unique as an asset.","Buying Dogecoin is simple with Metal Pay. Whether you’re new to crypto or a seasoned holder adding DOGE to your portfolio, Metal Pay makes it easy to buy Dogecoin quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the easiest ways to buy Dogecoin in these markets. Whether you’re buying DOGE in the USA, purchasing Dogecoin in Australia, or picking up some DOGE in New Zealand, Metal Pay provides a fast and regulated onramp.","With Metal Pay, you can buy Dogecoin instantly and send it wherever you need — to another wallet, a friend, or any DOGE address on the network. Once you purchase DOGE, you have full flexibility to hold, transfer, tip, or spend your Dogecoin however you like.","Metal Pay is built by Metallicus, the team behind WebAuth Wallet, Metal X, and the XPR Network — a group that genuinely understands blockchain infrastructure from the protocol level up.","Dogecoin has defied every expectation placed on it. Here’s what continues to make it compelling:","Ultra-low transaction fees — Sending DOGE costs a tiny fraction of a cent, making it one of the cheapest cryptocurrencies to transact with. No gas wars, no unpredictable fee spikes — just fast, cheap transfers.","Fast confirmations — With roughly one-minute block times, Dogecoin transactions confirm significantly faster than Bitcoin. This makes DOGE well-suited for day-to-day use rather than just long-term storage.","Deep liquidity — DOGE consistently ranks in the top 10 by trading volume. Its liquidity means you can buy and sell at any size without significant slippage.","Culture and community — No other cryptocurrency has the cultural weight of Dogecoin. The community is enormous, active, and fiercely loyal — a factor that has proven to have real market impact over time.","Accessibility — At a low per-unit price, Dogecoin is one of the most psychologically accessible cryptocurrencies for new buyers. It’s easy to buy large whole-number quantities, which appeals to a broad audience entering crypto for the first time.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy DOGE instantly — Search for Dogecoin, enter an amount, and confirm your purchase. You can also buy Dogecoin directly from your browser.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your Dogecoin can be held in the app or sent to any DOGE wallet address worldwide.","Metal Pay makes it easy to buy Dogecoin instantly and join one of the largest and most enthusiastic communities in all of crypto. Download Metal Pay on iOS or Android and start buying DOGE in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-dogecoin-instantly-with-metal-pay"},"/news-insights/crypto-news---6-march-2026":{"version":1,"title":"Crypto News - 6 March 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Rebounds, but Sentiment Stays Fragile","keywords":"","h1":["Crypto News - 6 March 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 6, 2026","Crypto markets found some footing this week as risk appetite improved midweek, helped by a pause in oil’s surge and hopes that geopolitical tensions might not escalate further. On March 4 bitcoin rose 7.64% to about $73,245 while ether gained 9.23% to roughly $2,150, giving the market a relief bounce after a rough stretch. Even so, sentiment remains cautious rather than euphoric. The Crypto Fear & Greed Index was still sitting in Extreme Fear at 18 on March 6, up from 13 a week earlier but still well below neutral, suggesting traders are buying the bounce carefully rather than chasing aggressively.","Crypto Market Structure Talks Hit a Wall","One of the biggest policy stories this week was the latest setback for the U.S. Clarity Act, which is supposed to bring clearer rules to crypto firms and stablecoin-related products. Talks stalled again after banks rejected a White House-backed compromise over whether crypto companies should be allowed to offer rewards tied to stablecoins and similar products. Banks argue those features could pull deposits out of the traditional banking system, while crypto firms say restricting them would be anti-competitive and slow adoption. For payment platforms and regulated crypto businesses, the delay matters because it keeps key questions around product design, yield features, and compliance in limbo.","US Regulators Clear a Path for Tokenized Securities","U.S. regulators gave banks a useful signal this week by saying tokenized securities should not face extra capital charges simply because they are issued or transacted on blockchain rails. The Federal Reserve, FDIC, and OCC said their capital framework is technology neutral, meaning a tokenized security should generally be treated the same as a traditional one. That is a meaningful development for banks exploring blockchain-based settlement, treasury products, and tokenized investment rails. For the broader digital asset industry, it reinforces the idea that tokenization is moving closer to mainstream financial infrastructure rather than being treated as a special high-risk category.","Bitcoin ETF Flows","On Monday, U.S. spot Bitcoin ETFs posted a strong $458.2 million in net inflows, led by BlackRock’s IBIT at $263.2 million and Fidelity’s FBTC at $94.8 million. Tuesday stayed positive at $225.2 million, with IBIT bringing in $322.4 million while outflows from FBTC and GBTC partially offset the day’s total. Wednesday was the strongest session of the week at $461.9 million, again driven by IBIT with $306.6 million, alongside contributions from FBTC, BTC and GBTC. The previous Friday had been softer, with $27.5 million in net outflows as IBIT losses outweighed small inflows into BTCO and EZBC. Overall, Bitcoin ETF flows showed real demand earlier in the week before reversing sharply on Thursday with $227.9 million in net outflows led by IBIT, FBTC and BITB.","Ethereum ETF Flows","On Monday, U.S. spot Ethereum ETFs recorded $38.7 million in net inflows, led by BlackRock’s ETHA at $26.5 million with smaller support from Grayscale’s ETH and ETHE. Tuesday flipped to a modest $10.8 million in net outflows, as a $66.7 million withdrawal from Fidelity’s FETH outweighed inflows into ETHA and ETH. Wednesday was the strongest day of the week by far at $169.4 million, powered by Grayscale’s ETH at $59.5 million, ETHA at $39.3 million and FETH at $30.3 million. The previous Friday had seen $43.0 million in net outflows, entirely from ETHA. Overall, Ethereum ETF demand was more uneven than bitcoin this week, with a strong midweek surge giving way to Thursday outflows of $90.9 million led by FETH.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","Metal Blockchain led this week’s movers with an 8.8% gain, clearly outperforming the rest of the list as ecosystem names held up better than many larger-cap assets. XPR Network followed at 3.6%, while Bitcoin, Solana and Ethereum posted smaller gains of 2.5%, 1.4% and 0.5% respectively. The pattern suggests traders rotated back into selective beta after the broader market stabilized midweek, with infrastructure-linked names seeing the strongest response. In short, this was less a full risk-on breakout and more a measured rebound, with METAL showing the most relative strength on the week.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---6-march-2026"},"/news-insights/buy-litecoin-instantly-with-metal-pay":{"version":1,"title":"Buy Litecoin Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy LTC instantly with Metal Pay using your debit or credit card. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy Litecoin Instantly with Metal Pay"],"h2":["What Is Litecoin (LTC)?","LTC vs Other Major Cryptocurrencies","The Litecoin Ecosystem","Why Buy Litecoin with Metal Pay?","Why Buy LTC?","How to Buy Litecoin with Metal Pay","Start Buying Litecoin Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 6, 2026","Litecoin is one of the oldest and most battle-tested cryptocurrencies in the world. Created in October 2011 by Charlie Lee, a former Google engineer, Litecoin was designed as a faster, lighter alternative to Bitcoin — often described as “the silver to Bitcoin’s gold.”","Built as a direct fork of the Bitcoin codebase, Litecoin retained the fundamental properties that made Bitcoin trustworthy — decentralization, open-source development, fixed supply — while improving on its speed and throughput. With block times of approximately 2.5 minutes (compared to Bitcoin’s 10), Litecoin processes transactions four times faster and with consistently low fees, making it one of the most practical cryptocurrencies for payments.","Litecoin has a hard-capped supply of 84 million LTC — exactly four times Bitcoin’s 21 million — and uses a halving schedule to gradually reduce new issuance over time. Its Scrypt-based proof-of-work consensus (the same algorithm used by Dogecoin) is energy-efficient relative to Bitcoin’s SHA-256 and supports a global network of miners and nodes that has remained highly reliable for over a decade.","Here’s how Litecoin compares to Bitcoin and Dogecoin — two of its closest relatives in the crypto family tree:","Feature","Litecoin (LTC)","Bitcoin (BTC)","Dogecoin (DOGE)","Launch Year","2011","2009","2013","Supply","84M hard cap","21M hard cap","Uncapped (inflationary)","Block Time","~2.5 minutes","~10 minutes","~1 minute","Transaction Fees","Very low","Variable (can be high)","Fractions of a cent","Consensus","Proof of Work (Scrypt)","Proof of Work (SHA-256)","Halving Schedule","Every 840,000 blocks","Every 210,000 blocks","None","Primary Use Case","Fast, low-cost payments","Store of value","Payments, tips, culture","Litecoin occupies a unique position as a time-tested, payment-focused cryptocurrency with Bitcoin’s trustworthiness but meaningfully faster transaction times.","Despite being over a decade old, Litecoin’s ecosystem remains actively used and continues to evolve:","Payments and Merchant Acceptance — Litecoin has one of the longest histories of real-world merchant acceptance of any cryptocurrency. Thousands of merchants globally accept LTC for goods and services, and it is supported by a wide range of payment processors. Its fast confirmations and low fees make it genuinely practical for everyday transactions.","MimbleWimble Extension Blocks (MWEB) — In 2022, Litecoin activated MWEB — a significant upgrade that introduced optional confidential transactions, allowing users to send LTC with enhanced privacy while keeping the base chain transparent. This makes Litecoin one of the only established proof-of-work chains to offer both opt-in privacy and full public auditability.","Lightning Network Compatibility — As a Bitcoin codebase fork, Litecoin is compatible with the Lightning Network framework, enabling near-instant, zero-fee micropayment channels — ideal for high-frequency small-value transfers.","Exchange Support — LTC is listed on virtually every major cryptocurrency exchange worldwide, with consistently deep liquidity. It has been a top-20 asset by market capitalization for most of its history, and remains one of the most widely held and traded digital assets in the market.","Halving Events — Like Bitcoin, Litecoin undergoes periodic halvings that reduce the block reward for miners. These events tend to attract significant market attention and historically precede periods of increased price discovery for the asset.","Buying Litecoin is simple with Metal Pay. Whether you’re new to crypto or adding LTC to a diversified portfolio, Metal Pay makes it easy to purchase Litecoin quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the most accessible ways to buy Litecoin in these markets. Whether you’re buying LTC in the USA, purchasing Litecoin in Australia, or picking up some LTC in New Zealand, Metal Pay provides a fast and regulated onramp.","With Metal Pay, you can buy Litecoin instantly and send it wherever you need. Once purchased, you have full flexibility to hold LTC, send it globally, or use it across any platform that accepts Litecoin.","Metal Pay is built by Metallicus, the team behind WebAuth Wallet, Metal X, and the XPR Network — a group that genuinely understands blockchain infrastructure from the protocol level up.","Litecoin has endured market cycles, competitors, and industry shifts for over a decade — a testament to its fundamental reliability. Here’s what makes LTC compelling:","Proven track record — With over 13 years of continuous operation, Litecoin has one of the longest uninterrupted track records of any blockchain. Its network has never experienced a major security incident, and its codebase has been battle-tested across multiple market cycles.","Fast, low-cost transactions — Litecoin’s 2.5-minute block time means your transactions confirm in a fraction of the time it takes on Bitcoin. Fees remain consistently low, making LTC one of the most cost-effective options for moving value across the network.","Deflationary by design — With a hard cap of 84 million LTC and a halving schedule that progressively reduces new supply, Litecoin is fundamentally scarce. Each halving event tightens supply issuance and has historically been a catalyst for increased market activity.","Privacy with MWEB — For users who value financial privacy, Litecoin’s MWEB upgrade offers optional confidential transactions — a rare feature on an established proof-of-work chain.","Deep liquidity — LTC’s decade-plus presence in the market means it trades with some of the deepest liquidity of any altcoin. You can buy or sell at any size without significant slippage, and it remains one of the most available assets across global exchanges.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy LTC instantly — Search for Litecoin, enter an amount, and confirm your purchase. You can also buy Litecoin directly from your browser.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your Litecoin can be held in the app or sent to any LTC wallet address worldwide.","Metal Pay makes it easy to buy Litecoin instantly and access one of the most trusted and established cryptocurrencies in the market. Download Metal Pay on iOS or Android and start buying LTC in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-litecoin-instantly-with-metal-pay"},"/news-insights/buy-xpr-instantly-with-metal-pay":{"version":1,"title":"Buy XPR Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy XPR instantly with Metal Pay. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy XPR Instantly with Metal Pay"],"h2":["What Is XPR (XPR Network)?","Why Buy XPR with Metal Pay?","Why Buy XPR?","How to Buy XPR with Metal Pay","Start Buying XPR Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 8, 2026","XPR is the native token of the XPR Network — a high-performance blockchain built for zero gas fees, human-readable accounts, and compliance-friendly applications. Developed by Metallicus (the team behind Metal Pay and WebAuth Wallet), XPR Network was designed to make blockchain usable for everyday people and institutions alike.","On XPR Network, users get free resources by default: you can send and receive XPR, swap tokens, and interact with dApps without paying gas. Block producers run the infrastructure and are compensated in XPR through network inflation, so the experience for end users is seamless. For power users who need more, CPU/NET and RAM can be rented or purchased at resources.xprnetwork.org.","XPR is used for staking (short and long staking), voting for block producers, and participating in the ecosystem. It powers Metal X (the decentralized exchange), WebAuth Wallet, and a growing set of DeFi and identity applications. With sub-second finality and @username-style addresses, XPR Network is built to bridge traditional finance and crypto.","Buying XPR is simple with Metal Pay. Whether you’re supporting the XPR Network ecosystem, staking for rewards, or trading on Metal X, Metal Pay makes it easy to purchase XPR quickly using your debit or credit card.","Metal Pay is available in the United States, Australia, and New Zealand. With Metal Pay, you can buy XPR instantly and send it to your WebAuth Wallet or any XPR Network account. Metal Pay is built by Metallicus — the same team that builds the XPR Network, so you’re buying from the source.","Zero gas fees — Send, receive, and use dApps without paying transaction fees. Free resources cover most on-chain activity.","Staking rewards — Short stake in WebAuth Wallet (flexible, 24h unlock) or long stake on the XPR Network Explorer (90 or 365 days, satoshi-value protection). Vote for block producers to be eligible for rewards.","Metal X and DeFi — Use XPR to trade on Metal X and access zero-fee trading pairs like XBTC/XMD. The ecosystem is growing with more dApps and use cases.","Human-readable accounts — Send to @username instead of long addresses. Easier for adoption and compliance.","Download Metal Pay — iOS and Android.","Create your account — Sign up and verify your identity.","Add a payment method — Connect your debit or credit card.","Buy XPR instantly — Search for XPR, enter an amount, and confirm. Or buy XPR from your browser.","Once purchased, hold XPR in the app or send it to WebAuth Wallet to stake, vote, and use the XPR Network ecosystem.","Metal Pay makes it easy to buy XPR instantly. Download Metal Pay on iOS or Android and get started in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-xpr-instantly-with-metal-pay"},"/news-insights/buy-cardano-instantly-with-metal-pay":{"version":1,"title":"Buy Cardano Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy ADA instantly with Metal Pay using your debit or credit card. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy Cardano Instantly with Metal Pay"],"h2":["What Is Cardano (ADA)?","ADA vs Other Major Cryptocurrencies","The Cardano Ecosystem","Why Buy Cardano with Metal Pay?","Why Buy ADA?","How to Buy Cardano with Metal Pay","Start Buying Cardano Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 6, 2026","Cardano is a proof-of-stake blockchain platform launched in 2017, founded by Charles Hoskinson — a co-founder of Ethereum. Unlike many chains that prioritize speed over rigor, Cardano was built using a research-first approach: peer-reviewed academic work and formal methods underpin its design, with the goal of creating a secure, scalable, and sustainable blockchain for the long term.","Cardano runs on Ouroboros, a proof-of-stake consensus protocol that has been formally verified and published in top-tier academic venues. The network uses a layered architecture: a settlement layer for ADA transfers and a computation layer for smart contracts (Plutus) and applications. This separation allows upgrades and optimization without compromising the core ledger.","ADA is the native token of Cardano. It is used to pay transaction fees, participate in staking (holders can delegate to stake pools and earn rewards), and will increasingly power decentralized applications as the ecosystem grows. Cardano’s supply is capped at 45 billion ADA, with new coins issued through staking rewards at a decreasing rate over time.","Here’s how Cardano compares to Bitcoin and Ethereum:","Feature","Cardano (ADA)","Bitcoin (BTC)","Ethereum (ETH)","Launch Year","2017","2009","2015","Consensus","Ouroboros (Proof of Stake)","Proof of Work","Proof of Stake","Transaction Fees","Typically < $0.50","Variable (can be high)","Supply","45B cap","21M hard cap","No hard cap","Design Focus","Research-driven, formal verification","Store of value","Smart contracts, DeFi","Staking","Native delegation, no lockup","N/A","Staking with lockup","Cardano’s emphasis on peer-reviewed development and low, predictable fees has attracted a large global community and a growing DeFi and NFT ecosystem.","Cardano has evolved from a vision into a live network with real use cases:","DeFi and DEXs — Multiple decentralized exchanges and lending protocols have launched on Cardano, including SundaeSwap, Minswap, and others. Liquidity and trading volume continue to grow as more users and projects onboard.","NFTs and Digital Identity — Cardano supports native NFTs and has become a hub for digital art and collectibles. Projects are also building on-chain identity and credentials using Cardano’s infrastructure.","Staking — ADA holders can delegate to stake pools without locking their tokens. Rewards are distributed every epoch (about five days), and delegation is non-custodial — you keep control of your ADA while earning.","Governance — Cardano is moving toward full on-chain governance through Project Catalyst and the Voltaire era, allowing ADA holders to propose and vote on protocol improvements and treasury funding.","Buying Cardano is simple with Metal Pay. Whether you’re new to crypto or adding ADA to a long-term portfolio, Metal Pay makes it easy to purchase Cardano quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the most straightforward ways to buy ADA in these markets. Whether you’re buying ADA in the USA, purchasing Cardano in Australia, or getting started in New Zealand, Metal Pay provides a fast and regulated onramp.","With Metal Pay, you can buy Cardano instantly and send it to any Cardano wallet. Once purchased, you have full flexibility to hold ADA, stake it for rewards, or use it across the Cardano ecosystem.","Metal Pay is built by Metallicus, the team behind WebAuth Wallet, Metal X, and the XPR Network — a group with deep blockchain infrastructure expertise.","Cardano has established itself as one of the most methodically built blockchains in the industry. Here’s what makes ADA compelling:","Research-driven design — Cardano’s use of peer-reviewed research and formal methods aims to reduce the risk of bugs and protocol failures. For long-term holders, this approach can mean greater confidence in the network’s evolution.","Low, predictable fees — Transaction fees on Cardano are typically a fraction of a dollar and do not spike during congestion the way they do on fee-market chains. This makes ADA practical for regular transfers and DeFi use.","Staking without lockup — You can delegate ADA to a stake pool and earn rewards without locking your tokens. Unstaking is immediate, so you retain liquidity while participating in network security.","Growing ecosystem — DeFi, NFTs, and governance are actively developing on Cardano. As more applications launch, demand for ADA as the base asset and fee token is likely to grow.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy ADA instantly — Search for Cardano, enter an amount, and confirm your purchase. You can also buy Cardano directly from your browser.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your ADA can be held in the app or sent to any Cardano wallet address worldwide.","Metal Pay makes it easy to buy Cardano instantly and access one of the most research-driven and community-backed blockchains in crypto. Download Metal Pay on iOS or Android and start buying ADA in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-cardano-instantly-with-metal-pay"},"/news-insights/buy-stellar-instantly-with-metal-pay":{"version":1,"title":"Buy Stellar Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy XLM instantly with Metal Pay using your debit or credit card. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy Stellar Instantly with Metal Pay"],"h2":["What Is Stellar (XLM)?","XLM vs Other Major Cryptocurrencies","The Stellar Ecosystem","Why Buy Stellar with Metal Pay?","Why Buy XLM?","How to Buy Stellar with Metal Pay","Start Buying Stellar Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 6, 2026","Stellar is a decentralized payments network designed to make moving money across borders fast, cheap, and accessible. Launched in 2014 by Jed McCaleb (co-founder of Ripple) and the Stellar Development Foundation, Stellar was built to connect banks, payment providers, and people — enabling low-cost transfers and asset issuance on a single global ledger.","Unlike proof-of-work blockchains, Stellar uses a consensus protocol (the Stellar Consensus Protocol, or SCP) that does not rely on mining. A network of trusted nodes agrees on transactions in seconds, with fees that are a fraction of a cent. This makes Stellar one of the most efficient networks for payments and remittances.","XLM (lumens) is the native asset of the Stellar network. It is used to pay transaction fees (minimal), act as a bridge asset in cross-currency trades, and prevent spam by requiring small account reserves. Stellar’s supply is capped at 50 billion XLM, with the majority already in circulation. The network has been used by institutions and projects worldwide for cross-border payments, stablecoin issuance, and financial inclusion initiatives.","Here’s how Stellar compares to Bitcoin and XRP — another payments-focused asset:","Feature","Stellar (XLM)","Bitcoin (BTC)","XRP (XRP Ledger)","Launch Year","2014","2009","2012","Consensus","Stellar Consensus Protocol","Proof of Work","Federated Consensus","Transaction Speed","3–5 seconds","10–60+ minutes","Transaction Fees","Fractions of a cent","Variable (can be high)","Supply","50B cap","21M hard cap","100B fixed","Primary Use Case","Payments, remittances, asset issuance","Store of value","Cross-border payments","Stellar’s focus on fast, cheap payments and its built-in decentralized exchange (DEX) for asset trading make it a natural fit for anyone moving value across borders or holding stablecoins and other assets on the network.","Stellar has become a backbone for payments and asset issuance around the world:","Cross-Border Payments — Companies and institutions use Stellar to settle cross-border transfers in seconds at a fraction of the cost of traditional rails. Stellar’s network can connect to existing payment systems and anchor institutions that hold fiat and issue Stellar-based tokens.","Stablecoins and Assets — Many stablecoins and other assets are issued on Stellar, including USDC. The built-in DEX allows users to swap between XLM and any issued asset without a centralized exchange.","Remittances and Financial Inclusion — Stellar has been adopted by remittance providers and projects focused on financial inclusion, enabling low-cost transfers for people who lack access to traditional banking.","Anchors and Compliance — The Stellar ecosystem includes “anchors” — regulated entities that issue and redeem tokenized assets (e.g. fiat-backed tokens). This model supports compliance while keeping settlement on a public ledger.","Buying Stellar is simple with Metal Pay. Whether you’re new to crypto or using XLM for payments and transfers, Metal Pay makes it easy to purchase Stellar quickly using your debit or credit card.","Metal Pay is available to users in the United States, Australia, and New Zealand — making it one of the easiest ways to buy XLM in these markets. Whether you’re buying XLM in the USA, purchasing Stellar in Australia, or getting started in New Zealand, Metal Pay provides a fast and regulated onramp.","With Metal Pay, you can buy Stellar instantly and send it to any Stellar wallet. Once purchased, you can hold XLM, use it for low-cost transfers, or trade and hold other assets on the Stellar network.","Metal Pay is built by Metallicus, the team behind WebAuth Wallet, Metal X, and the XPR Network — a group that understands payments and blockchain infrastructure from the ground up.","Stellar has proven itself as a practical network for real-world payments and asset issuance. Here’s what makes XLM compelling:","Fast, cheap transactions — Settlements in 3–5 seconds with fees that are a fraction of a cent. Stellar is built for high-volume, low-value transfers that would be uneconomical on many other chains.","No mining, low energy — Stellar’s consensus does not require mining, making it one of the most energy-efficient networks. That aligns with growing demand for sustainable blockchain infrastructure.","Built-in DEX — The Stellar network includes a native decentralized exchange. You can swap XLM for USDC and other issued assets directly on-chain without a third-party exchange.","Institutional adoption — Stellar is used by payment companies, banks, and projects globally. USDC and other major assets are issued on Stellar, providing liquidity and real-world use cases.","Getting started takes just a few steps:","Download Metal Pay — Available on iOS and Android.","Create your account — Sign up and verify your identity in minutes.","Add a payment method — Connect your debit or credit card.","Buy XLM instantly — Search for Stellar, enter an amount, and confirm your purchase. You can also buy Stellar directly from your browser.","Metal Pay supports users across the United States, Australia, and New Zealand. Once purchased, your XLM can be held in the app or sent to any Stellar wallet address worldwide.","Metal Pay makes it easy to buy Stellar instantly and access one of the most trusted networks for fast, low-cost payments and asset transfers. Download Metal Pay on iOS or Android and start buying XLM in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-stellar-instantly-with-metal-pay"},"/news-insights/buy-usdc-with-metal-pay":{"version":1,"title":"Buy USDC with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy USDC with Metal Pay using your debit or credit card. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy USDC with Metal Pay"],"h2":["What Is USDC?","Why Buy USDC with Metal Pay?","Why Hold USDC?","How to Buy USDC with Metal Pay","Get USDC Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 8, 2026","USDC is a fully reserved dollar-backed stablecoin issued by Circle and licensed issuers. Each USDC is backed 1:1 by cash and short-dated U.S. Treasury reserves held in regulated institutions. USDC runs on multiple blockchains, including Ethereum, Solana, Stellar, and others, so you can hold and transfer dollar-pegged value with the speed and cost of the chain you choose.","USDC is one of the most widely used stablecoins for payments, trading, and DeFi. It is redeemable 1:1 for U.S. dollars by eligible users, and its reserves are attested by independent accounting firms. For anyone who wants crypto exposure without volatility, or needs a stable unit for transfers and spending, USDC is a leading option.","Buying USDC with Metal Pay is one of the fastest ways to get into dollar-backed stablecoins. Use your debit or credit card to purchase USDC in minutes — no bank transfer wait. Metal Pay is available in the United States, Australia, and New Zealand.","With Metal Pay, you can buy USDC and hold it in the app or send it to any compatible wallet or exchange. Use USDC for payments, trading, or as a stable base in your crypto portfolio.","Stability — Pegged to the U.S. dollar, so 1 USDC ≈ $1. Avoid volatility while staying in crypto.","Transparency — Reserves are published and attested. Circle is a regulated, U.S.-based company.","Multi-chain — Use USDC on Ethereum, Solana, Stellar, and other supported networks for fast, low-cost transfers.","Wide acceptance — Accepted by exchanges, wallets, merchants, and DeFi protocols worldwide.","Download Metal Pay — iOS and Android.","Create your account and add a debit or credit card.","Buy USDC — Search for USDC, enter an amount, and confirm. Or buy USDC from your browser.","Metal Pay makes it easy to buy USDC. Download Metal Pay on iOS or Android and start in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-usdc-with-metal-pay"},"/news-insights/buy-metal-mtl-instantly-with-metal-pay":{"version":1,"title":"Buy Metal (MTL) Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy MTL instantly with Metal Pay. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy Metal (MTL) Instantly with Metal Pay"],"h2":["What Is Metal (MTL)?","Why Buy MTL with Metal Pay?","Why Hold MTL?","How to Buy MTL with Metal Pay","Get MTL Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 8, 2026","MTL (Metal) is the governance and utility token of the Metal DAO and the broader Metallicus ecosystem. Metallicus is the company behind Metal Pay, WebAuth Wallet, Metal X, the XPR Network, and Metal Dollar. MTL is used for governance, rewards, and ecosystem participation.","MTL holders can participate in the direction of the Metal ecosystem and benefit from product growth. Metal Pay is the flagship consumer app for buying, sending, and holding crypto — and MTL is the native token that ties the community and governance together.","Metal Pay is the natural place to buy MTL: it’s built by the same team. Use your debit or credit card to purchase MTL in the United States, Australia, and New Zealand. With Metal Pay, you can buy MTL instantly and hold it in the app or send it to your WebAuth Wallet.","Buying MTL supports the Metal ecosystem and gives you a stake in the governance of Metal Pay, Metal X, XPR Network, and related products.","Ecosystem alignment — MTL is the token of the Metallicus ecosystem. As Metal Pay, Metal X, and XPR Network grow, MTL is at the center.","Governance — Participate in Metal DAO and have a say in the future of the products you use.","Convenience — Buy MTL directly in the app you use for crypto — no need to switch platforms.","Download Metal Pay — iOS and Android.","Create your account and add a debit or credit card.","Buy MTL — Search for Metal or MTL, enter an amount, and confirm. Or buy MTL from your browser.","Metal Pay makes it easy to buy MTL instantly. Download Metal Pay on iOS or Android and start in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-metal-mtl-instantly-with-metal-pay"},"/news-insights/buy-usdt-with-metal-pay":{"version":1,"title":"Buy USDT with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy USDT with Metal Pay using your debit or credit card. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy USDT with Metal Pay"],"h2":["What Is USDT (Tether)?","Why Buy USDT with Metal Pay?","Why Hold USDT?","How to Buy USDT with Metal Pay","Get USDT Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 8, 2026","USDT (Tether) is the largest stablecoin by market capitalization. It is designed to maintain a 1:1 peg with the U.S. dollar, backed by Tether’s reserves (cash, cash equivalents, and other assets). USDT is issued on multiple blockchains — including Ethereum, Tron, Solana, and others — so you can move dollar-pegged value quickly and at low cost across networks.","USDT is widely used for trading, remittances, and as a stable store of value in crypto. It is accepted by virtually every major exchange and many wallets and DeFi protocols. For users who want to avoid volatility while staying in the crypto ecosystem, USDT is a standard choice.","Metal Pay lets you buy USDT quickly with your debit or credit card — no need to convert from another crypto or wait for a bank transfer. Available in the United States, Australia, and New Zealand.","With Metal Pay, you can buy USDT and hold it in the app or send it to any compatible wallet or exchange. Use USDT for trading, payments, or as a stable base in your portfolio.","Stability — Pegged to the U.S. dollar. Avoid volatility while keeping value in crypto form.","Liquidity — The most widely traded stablecoin. Easy to swap and use across platforms.","Multi-chain — Available on many networks so you can choose speed and cost.","Acceptance — Listed and accepted on exchanges, wallets, and apps globally.","Download Metal Pay — iOS and Android.","Create your account and add a debit or credit card.","Buy USDT — Search for USDT, enter an amount, and confirm. Or buy USDT from your browser.","Metal Pay makes it easy to buy USDT. Download Metal Pay on iOS or Android and start in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-usdt-with-metal-pay"},"/news-insights/buy-loan-instantly-with-metal-pay":{"version":1,"title":"Buy LOAN Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy LOAN instantly with Metal Pay. LOAN powers the lending markets on Metal X — lend, borrow, and earn with zero gas fees. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy LOAN Instantly with Metal Pay"],"h2":["What Is LOAN (LOAN Protocol)?","Metal X Lending Markets","Why Buy LOAN with Metal Pay?","Why Hold LOAN?","How to Buy LOAN with Metal Pay","Get LOAN Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 8, 2026","LOAN is the governance and incentive token of the LOAN Protocol — a non-custodial decentralized lending protocol built on the XPR Network. The LOAN Protocol powers the lending markets on Metal X: the place where you can lend and borrow crypto with zero gas fees, instant transactions, and LOAN incentives on top of variable APY.","On Metal X Lending, depositors supply assets to lending markets and earn interest (variable APY plus LOAN rewards). Borrowers put up over-collateralized collateral and withdraw loans from those markets, paying interest back to depositors. All loans are secured by collateral — typically you can borrow up to a percentage of your deposited value (the Collateral Factor, often around 70% for stable assets). There is no central intermediary: smart contracts on the XPR Network match lenders and borrowers, and because XPR Network has zero gas fees, every transaction is free for users.","The LOAN token is the governance and incentive layer of this system. LOAN holders vote on protocol decisions (e.g. new market listings, emission rates, interest rate curves) at gov.xprnetwork.org. You can also stake LOAN to earn rewards and boost your governance voting power. Lenders and borrowers on Metal X Lending earn LOAN incentives on top of their APY, with rewards adjusted by market demand. You can learn more in the LOAN Protocol docs and at xprnetwork.org/loan.","LOAN Protocol powers lending markets for a wide range of assets on Metal X, including XRP, XPR, USDC, BTC, ETH, HBAR, DOGE, MTL, LTC, USDT, ADA, XLM, SOL, and Metal Dollar (XMD). That means you can lend or borrow against assets from multiple blockchains in one place — with no gas fees and instant settlement on the XPR Network. Whether you want to earn yield on your crypto or borrow against your holdings, Metal X Lending is the place to do it, and LOAN is the token that governs and rewards participation.","Metal Pay is the easiest way to get LOAN with fiat. Use your debit or credit card in the United States, Australia, or New Zealand to buy LOAN instantly. Then send your LOAN to WebAuth Wallet and use it on Metal X: stake LOAN for rewards, vote on governance, or supply/borrow on the lending markets. Metal Pay is built by Metallicus — the same team behind Metal X and the XPR Network — so you’re buying LOAN from the source.","Governance — Vote on LOAN Protocol and Metal X Lending decisions: new listings, reward rates, and treasury allocation.","Staking rewards — Stake LOAN on Metal X to earn rewards and increase your governance voting power.","Lender and borrower incentives — Earn LOAN tokens when you lend or borrow on Metal X Lending, on top of variable APY.","Zero gas — All LOAN activity runs on the feeless XPR Network; no gas fees for transfers, staking, or voting.","Download Metal Pay — iOS and Android.","Create your account and add a debit or credit card.","Buy LOAN — Search for LOAN, enter an amount, and confirm. Or buy LOAN from your browser.","Use LOAN on Metal X — Send LOAN to WebAuth Wallet, then head to Metal X Lending to supply or borrow, or stake LOAN for rewards.","Metal Pay makes it easy to buy LOAN instantly and participate in the lending markets on Metal X. Download Metal Pay on iOS or Android, then explore Metal X Lending and the LOAN Protocol docs to get started.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-loan-instantly-with-metal-pay"},"/news-insights/buy-metal-blockchain-instantly-with-metal-pay":{"version":1,"title":"Buy METAL Instantly with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy METAL (Metal Blockchain) instantly with Metal Pay. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy METAL Instantly with Metal Pay"],"h2":["What Is METAL (Metal Blockchain)?","Why Buy METAL with Metal Pay?","Why Hold METAL?","How to Buy METAL with Metal Pay","Get METAL Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 8, 2026","METAL is the native token of the Metal Blockchain — an EVM-compatible chain in the Metallicus ecosystem. Metal Blockchain is built for fast, low-cost transactions and is designed to integrate with Metal Pay, Metal X, and the broader XPR Network and Metallicus product suite.","METAL is used for gas fees and ecosystem participation on Metal Blockchain. As the chain and its dApps grow, METAL is the base asset for transacting and building. For users who want exposure to the Metallicus infrastructure layer, METAL is the chain token.","Metal Pay lets you buy METAL with your debit or credit card in the United States, Australia, and New Zealand. You can buy METAL instantly and hold it in the app or send it to a wallet that supports Metal Blockchain.","Metal Pay is built by Metallicus — the same team behind Metal Blockchain — so you’re buying the chain token from the source.","Chain utility — Use METAL for gas and interactions on Metal Blockchain as more dApps launch.","Ecosystem growth — Metal Blockchain is part of the Metallicus stack. METAL aligns you with that growth.","Easy onramp — No need to bridge from another chain; buy METAL directly in Metal Pay.","Download Metal Pay — iOS and Android.","Create your account and add a debit or credit card.","Buy METAL — Search for METAL or Metal Blockchain, enter an amount, and confirm. Or buy METAL from your browser.","Metal Pay makes it easy to buy METAL instantly. Download Metal Pay on iOS or Android and start in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-metal-blockchain-instantly-with-metal-pay"},"/news-insights/crypto-news---13-march-2026":{"version":1,"title":"Crypto News - 13 March 2026 — Metal Pay - Crypto, The Right Way.","description":"Tokenization Moves Forward as Crypto Sentiment Remains Weak","keywords":"","h1":["Crypto News - 13 March 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 13, 2026","Tokenized finance kept moving further into the mainstream this week as Nasdaq backed new infrastructure for blockchain-based equities, reinforcing the broader shift from pilot programs toward real-world market rails. The bigger takeaway is not the company partnership itself, but what it represents: major financial players are continuing to explore how tokenization can support functions like settlement, shareholder engagement, proxy voting, and other core pieces of capital markets infrastructure. For the Metal Pay audience, that matters because blockchain is increasingly being discussed as financial plumbing rather than a speculative side lane. Even so, broader market sentiment remains cautious, with the Crypto Fear & Greed Index sitting at 15 on March 13 and signaling that confidence is still fragile despite stronger institutional signals.","SEC and CFTC Move Toward a More Coordinated Crypto Framework","U.S. regulators also delivered a notable signal this week as the SEC and CFTC announced a memorandum of understanding aimed at improving coordination between the agencies. The announcement matters because one of the biggest blockers for institutional crypto adoption has been fragmented oversight and uncertainty around who regulates what. On the same week, SEC Chairman Paul Atkins said tokenization can improve settlement efficiency, reduce settlement risk, and remove unnecessary intermediaries, while pointing to a possible limited innovation exemption for certain tokenized securities trading. Taken together, the message from Washington is that the conversation is shifting away from whether tokenized markets belong in regulated finance and more toward how to structure them safely.","Bank of England Signals Stablecoin Rules Could Still Change","In the UK, the Bank of England said it is open to revising its proposed rules for systemic sterling stablecoins, showing that the regulatory shape of stablecoin payments is still being negotiated. Deputy Governor Sarah Breeden said the central bank remains willing to consider different approaches if they can still meet financial stability goals, including reconsidering whether its proposed reserve structure is too conservative. The current proposal has faced criticism from industry groups over requirements such as holding 40% of backing assets as non-interest-bearing central bank deposits and imposing holding limits. For banks, fintechs, and infrastructure providers, the takeaway is clear: stablecoins are still moving closer to regulated payments rails, but the exact design of those rails is still up for debate.","Worth Listening To","Stablecoins are moving from theory into real policy and institutional discussion. In this conversation, Senator Cynthia Lummis, Irina Berkon of Metallicus, and Jenn Sanasie of CoinDesk discuss regulation, adoption, and what the future of the digital dollar could look like in the United States. For anyone following digital assets, payments, and financial infrastructure, this is well worth a listen.","Full conversation: https://www.youtube.com/watch?v=HCtch1ufW0A","Bitcoin ETF Flows","Bitcoin ETFs opened the week with $167.1 million in net inflows on Monday, led by BlackRock’s IBIT at $109.3 million and Fidelity’s FBTC at $60.1 million. Tuesday strengthened further with $246.9 million in net inflows, driven by IBIT’s $185.8 million, FBTC’s $33.5 million and Bitwise’s BITB at $16.4 million. Midweek stayed positive, with Wednesday bringing in $115.2 million led almost entirely by IBIT at $115.3 million, while Thursday cooled to $53.8 million as IBIT and FBTC inflows were partly offset by outflows from GBTC and BITB. Overall, spot Bitcoin ETFs posted four straight positive sessions this week, showing institutional demand improved as price action stabilized.","Ethereum ETF Flows","Ethereum ETFs started the week with a $51.3 million net outflow on Monday, with BlackRock’s ETHA losing $55.1 million while Fidelity’s FETH added $16.2 million. Tuesday flipped back into positive territory with $12.6 million in net inflows, led by FETH at $10.7 million and Grayscale’s ETH at $1.9 million. The strongest midweek session came on Thursday at $72.4 million, powered by FETH’s $52.0 million and ETHA’s $18.7 million, after Wednesday had already improved to $57.0 million. Overall, Ethereum ETF flows recovered well after a weak start to the week, with momentum clearly improving across the second half of the period.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","Ethereum led this week’s move higher at 6.7%, narrowly ahead of Dogecoin at 6.6%, as large-cap crypto names recovered while market sentiment still sat deep in Extreme Fear. Solana, Bitcoin, and Metal Blockchain also held up well, all posting gains between 4.6% and 4.9%, suggesting strength was broad across liquid majors rather than isolated to one pocket of the market. In practical terms, this looked like a relief rebound led by the biggest, most actively traded names, with beta names like DOGE and SOL keeping pace while METAL participated in the broader upside.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---13-march-2026"},"/news-insights/what-to-do-with-your-crypto-after-buying-on-metal-pay":{"version":1,"title":"What to Do With Your Crypto After Buying on Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Store it in Metal Pay, earn yield with DeFi lending on Metal X, or trade, farm, and provide liquidity — all with zero gas fees on the Metallicus ecosystem.","keywords":"","h1":["What to Do With Your Crypto After Buying on Metal Pay"],"h2":["You Bought Crypto on Metal Pay — What’s Next?","1. Store It in Metal Pay — Safe and Simple","2. Earn Yield With DeFi Lending on Metal X","3. DeFi Trading, Liquidity Pools, Yield Farming, and More","The Metallicus Ecosystem — Built to Work Together","Get Started"],"h3":["How It Works","Trading and Swaps","Liquidity Pools","Yield Farming","NFTs and More"],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 9, 2026","Metal Pay makes it easy to buy Bitcoin, Ethereum, XRP, and dozens of other assets with your debit or credit card. But once you’ve made that purchase, your options are just getting started. The Metallicus ecosystem — Metal Pay, WebAuth Wallet, the XPR Network, and Metal X — is built so you can safely hold your crypto, earn yield through DeFi lending, and trade, farm, and explore NFTs and liquidity pools, all with zero gas fees. Here’s what you can do with your crypto after buying on Metal Pay.","The simplest option is to keep your crypto in Metal Pay. Your balance stays in your account until you’re ready to send, spend, or move it. Metal Pay is built for compliance and security, so storing your coins in the app is a straightforward way to hold for the long term or until you decide to use them elsewhere.","You can hold multiple assets in one place: BTC, ETH, XRP, SOL, XPR, USDC, Metal Dollar (XMD), and more. There’s no pressure to move funds — many users keep a portion in Metal Pay for convenience and only withdraw when they want to lend, trade, or use a non-custodial wallet. If your goal is to buy and hold with minimal friction, leaving your crypto in Metal Pay is a solid choice.","If you want to earn yield on your crypto, the next step is DeFi lending on Metal X Lending. Supported assets you buy on Metal Pay can be withdrawn to the XPR Network and used in lending markets — where depositors earn variable APY plus LOAN token incentives.","First, get your assets onto the XPR Network. Withdraw from Metal Pay to your WebAuth Wallet — the non-custodial wallet from Metallicus that works with the XPR Network. WebAuth is available on iOS and Android. Because the XPR Network has zero gas fees, moving and using your crypto on-chain doesn’t cost you anything.","Once your crypto is in WebAuth, connect to Metal X Lending. You can supply assets like XRP, XPR, USDC, BTC, ETH, HBAR, DOGE, XLM, SOL, ADA, USDT, MTL, and Metal Dollar (XMD) into lending markets. As a depositor, you earn variable APY plus LOAN token rewards, which are adjusted by market demand. There’s no lockup — you can withdraw when you want. Borrowers, in turn, put up over-collateralized collateral to borrow from those same markets. The whole system is powered by the LOAN Protocol on the XPR Network.","So: buy on Metal Pay → withdraw to WebAuth (via XPR Network) → connect to Metal X → supply to lending markets and earn yield. It’s one of the most direct paths from “I bought crypto” to “I’m earning on it.”","Metal X isn’t just lending. It’s a full DeFi hub: trading, swaps, liquidity pools, yield farming, and more — all on the XPR Network with zero gas fees.","On the Metal X DEX you can trade spot pairs, use limit and stop orders, and swap between supported assets. Some pairs, like XBTC/XMD, have zero trading fees; others have competitive fee tiers. Staking and volume can unlock further discounts. Everything settles on-chain with no gas cost to you.","You can provide liquidity to pools on Metal X and earn a share of trading fees — typically 0.2% of every trade that uses your pool, proportional to your share of the liquidity. There’s no lockup: you can add or remove liquidity when you want. Liquidity provision is a way to earn from trading activity without actively trading yourself.","Beyond base fee revenue, you can stake your LP (liquidity provider) tokens in Metal X farms to earn additional rewards. APR is variable and depends on total staked amounts and reward token value. You can harvest rewards frequently (e.g. every 0.5 seconds), and again there’s no lockup — you can unstake and withdraw from farms and pools at any time. That makes yield farming on Metal X flexible and gas-free.","The XPR Network and Metal X ecosystem continue to expand with NFTs and other applications. As new features and chains integrate, the same flow applies: buy on Metal Pay, move to WebAuth, and use your assets across the Metallicus product suite.","Metal Pay is the onramp; WebAuth Wallet is your self-custody bridge; the XPR Network is the feeless layer; and Metal X is where you lend, trade, and farm. Together they form a single stack:","Metal Pay — Buy crypto with fiat (USA, Australia, New Zealand). iOS · Android","WebAuth Wallet — Hold your keys, move assets on the XPR Network. webauth.com","XPR Network — Zero gas fees, human-readable @accounts. xprnetwork.org","Metal X — Lending, DEX, pools, farms. app.metalx.com · Lending","Metal Dollar (XMD) — Reserve-backed stablecoin index; buy on Metal Pay, use on Metal X. metaldollar.com","All of it is built by Metallicus, so your experience stays consistent from buying to storing to earning.","If you haven’t bought yet, download Metal Pay and fund your account. If you’ve already bought — choose your path: keep it in Metal Pay, or withdraw to WebAuth and head to Metal X Lending to earn yield, or explore Metal X for trading, pools, and farming. Your crypto, your choice.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/what-to-do-with-your-crypto-after-buying-on-metal-pay"},"/news-insights/buy-metal-dollar-with-metal-pay":{"version":1,"title":"Buy Metal Dollar with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy XMD (Metal Dollar) with Metal Pay. Available in the USA, Australia, and New Zealand.","keywords":"","h1":["Buy Metal Dollar with Metal Pay"],"h2":["What Is Metal Dollar (XMD)?","Why Buy XMD with Metal Pay?","Why Hold XMD?","How to Buy Metal Dollar with Metal Pay","Get Metal Dollar Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 8, 2026","Metal Dollar (XMD) is a reserve-backed stablecoin index from Metallicus. It is designed to track a basket of regulated, dollar-pegged stablecoins — including USDC, USDP, and PYUSD — so holders get broad stablecoin exposure in a single asset. XMD aims to combine stability with the flexibility of holding multiple leading stablecoins.","XMD can be minted and redeemed through the Metal Dollar platform. It is built for users who want a compliant, diversified stablecoin holding and for use across the Metallicus ecosystem — including trading on Metal X and holding in WebAuth Wallet. Learn more at metaldollar.com.","Metal Pay is one of the easiest ways to get Metal Dollar. Buy XMD with your debit or credit card in the United States, Australia, and New Zealand — no bank transfer delay. Once you have XMD, you can hold it, send it, or use it on Metal X and across the XPR Network.","With Metal Pay, you can buy XMD and move into the Metallicus ecosystem in one step. Metal Pay is built by Metallicus, the same team behind Metal Dollar, Metal X, and WebAuth.","Stable value — Backed by a basket of leading stablecoins. Diversified, dollar-pegged exposure.","Metal X and zero fees — Trade XMD on Metal X with zero trading fees on key pairs (e.g. XBTC/XMD) and zero gas on XPR Network.","Ecosystem integration — Use XMD across Metallicus products and the growing XPR Network DeFi landscape.","Download Metal Pay — iOS and Android.","Create your account and add a debit or credit card.","Buy XMD — Search for Metal Dollar or XMD, enter an amount, and confirm. Or buy XMD from your browser.","Metal Pay makes it easy to buy Metal Dollar (XMD). Download Metal Pay on iOS or Android, or visit metaldollar.com to learn more about XMD.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-metal-dollar-with-metal-pay"},"/news-insights/buy-crypto-in-new-zealand-with-metal-pay":{"version":1,"title":"How to Buy Crypto in New Zealand with Metal Pay — Metal Pay - Crypto, The Right Way.","description":"A simple guide to buying Bitcoin, Ethereum, XRP, stablecoins, and more in New Zealand using Metal Pay and a debit or credit card.","keywords":"","h1":["How to Buy Crypto in New Zealand with Metal Pay"],"h2":["Buy Crypto in New Zealand with Metal Pay","Why New Zealand Buyers Use Crypto","Why Use Metal Pay in New Zealand?","How to Buy Crypto in New Zealand with Metal Pay","What Can You Buy on Metal Pay?","What to Do After You Buy","Tips for Buying Crypto in New Zealand","Start Buying Crypto in New Zealand Today"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 17, 2026","If you live in New Zealand and want a straightforward way to buy crypto, Metal Pay gives you a fast path to get started. You can create an account, complete verification, add a debit or credit card, and buy supported digital assets from your phone in just a few steps. Whether you are buying Bitcoin for the first time or adding crypto to a long-term portfolio, Metal Pay is designed to make the onramp simple.","Metal Pay is available to users in New Zealand, alongside the United States and Australia. That means New Zealand users can access the same simple purchase flow used across the broader Metal Pay ecosystem: sign up, verify your identity, choose an asset, and buy with your debit or credit card.","People in New Zealand buy crypto for different reasons. Some want exposure to large digital assets like Bitcoin and Ethereum. Others want faster access to dollar-backed stablecoins, ecosystem tokens, or a simple way to move value into self-custody and on-chain finance. Some are long-term holders, while others want the flexibility to buy an asset and move it later into wallets, trading platforms, or DeFi applications.","Whatever your reason, the first step is having a reliable fiat onramp. That is where Metal Pay fits in. Instead of juggling multiple platforms, New Zealand users can start with a familiar card-based purchase flow and then decide whether to hold assets in the app or move them into the broader Metallicus ecosystem.","Simple purchase flow — Metal Pay is built to remove friction from the first step. You do not need to be an advanced trader to get started. Download the app, create your account, verify your identity, and fund a purchase with your debit or credit card.","Broad asset access — Metal Pay supports major assets and ecosystem tokens, including BTC, ETH, XRP, SOL, ADA, XLM, XPR, USDC, USDT, XMD, MTL, and more. That gives New Zealand users a flexible entry point whether they want blue-chip crypto, stablecoins, or assets connected to the wider Metallicus stack.","Mobile-first convenience — You can buy from the Metal Pay app on iOS or Android. If you already know which asset you want, you can also start from the browser-based onramp.","Path into the broader ecosystem — After you buy, you can hold your assets in Metal Pay or move them into products like WebAuth Wallet and Metal X when you are ready for self-custody, trading, or on-chain activity.","Download Metal Pay — Install Metal Pay on iOS or Android.","Create and verify your account — Complete the account setup and identity verification flow so you can access purchases and transfers.","Add your payment method — Use a supported debit or credit card to prepare your first purchase.","Choose your asset — Search for the cryptocurrency you want to buy and review the purchase details before confirming.","Buy instantly — Confirm the purchase and your crypto will be added to your Metal Pay balance.","If you want to start from the web, you can use Metal Pay’s direct onramp for major assets like Bitcoin, Ethereum, and XRP.","Metal Pay gives New Zealand users access to a broad range of well-known assets and ecosystem tokens. Popular choices include:","Bitcoin (BTC) — The best-known digital asset and a common starting point for first-time buyers.","Ethereum (ETH) — The leading smart-contract platform and one of the most widely held crypto assets.","XRP — A long-standing digital asset used by many buyers who want exposure to payments-focused crypto.","Solana (SOL) and Cardano (ADA) — Major Layer 1 assets for users who want exposure beyond BTC and ETH.","USDC and USDT — Stablecoins for users who want digital dollars without direct price exposure to the market.","XPR, XMD, and MTL — Ecosystem assets connected to the broader Metallicus product suite.","Available assets can evolve over time, so it is always smart to check the current app listing before you buy. The key point is that New Zealand users are not limited to a single coin or a one-size-fits-all purchase flow.","Buying crypto is the first step, not the last one. Once you have purchased an asset on Metal Pay, you have options. You can hold it in the app, transfer it when needed, or move into self-custody and the broader Metallicus ecosystem.","Hold in Metal Pay — If you are just getting started, keeping the asset in Metal Pay may be the simplest option while you learn the basics.","Move to WebAuth Wallet — If you want more control, you can move assets into WebAuth Wallet for a self-custody experience tied into the XPR Network ecosystem.","Explore Metal X — If you want to trade, lend, or explore on-chain finance, Metal X is the next stop in the product stack.","Start with a plan — Decide whether you are buying to hold long term, build a recurring position, or move assets into self-custody later.","Keep records — Maintain clean records of purchases, transfers, and sales so you can stay organized for your own accounting and reporting needs.","Understand volatility — Crypto prices move quickly. Many buyers prefer to start with a smaller first purchase and build familiarity before increasing size.","Review platform terms — If you are buying from New Zealand, make sure you review the applicable Metal Pay New Zealand terms before using the service.","Metal Pay gives New Zealand users a simple way to buy crypto with a debit or credit card, access major digital assets, and move into the broader Metallicus ecosystem when ready. Download Metal Pay on iOS or Android, or start from the web onramp and buy your first crypto in minutes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/buy-crypto-in-new-zealand-with-metal-pay"},"/news-insights/put-idle-crypto-to-work-after-buying-on-metal-pay":{"version":1,"title":"Put Your Idle Crypto to Work After Buying on Metal Pay — Metal Pay - Crypto, The Right Way.","description":"Buy on Metal Pay, move supported assets into WebAuth over the XPR Network without paying gas fees, and use LOAN Protocol on Metal X to start earning on idle balances.","keywords":"","h1":["Put Your Idle Crypto to Work After Buying on Metal Pay"],"h2":["You Bought Crypto on Metal Pay. Now Put It to Work.","Why This Matters","Step 1: Buy on Metal Pay","Step 2: Move Assets to WebAuth Without Paying Gas Fees","Step 3: Put Idle Assets to Work With LOAN Protocol","What Assets Can Be Used?","No Need to Lock Yourself In","And If You Want More, Metal X Is Already There","The Real Pitch: Don’t Let Your Crypto Sit Idle","Get Started"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 17, 2026","Buying crypto on Metal Pay is the first step. The next question is what you do with it after the purchase settles. If your assets are just sitting idle, there may be more you can do than simply wait for price action. Inside the broader Metallicus ecosystem, Metal Pay becomes the onramp, WebAuth Wallet becomes the self-custody bridge, the XPR Network becomes the feeless transfer layer, and LOAN Protocol on Metal X becomes the place where idle assets can start earning.","The idea is simple: buy on Metal Pay, move supported assets to WebAuth over the XPR Network without paying gas or network fees, then connect to Metal X Lending and put those idle balances to work. For users who want more than a buy-and-hold experience, it is one of the clearest next steps in the ecosystem.","A lot of crypto bought on fiat onramps never gets used. It sits in an account, untouched, while users wait for the next market move. There is nothing wrong with holding, but many buyers want more flexibility than that. They want to keep exposure to their assets while also exploring ways to earn on them.","That is where the Metallicus stack starts to stand out. Metal Pay is not just a place to buy crypto with a debit or credit card. It is also an entry point into an ecosystem built around self-custody, zero-gas transfers on the XPR Network, and on-chain products like lending, swaps, and trading on Metal X.","Metal Pay makes it easy to buy supported assets with a debit or credit card. You can start from the app on iOS or Android, then choose the asset you want to buy and complete the purchase flow.","Supported assets in the broader Metallicus flow include BTC, ETH, XRP, XPR, USDC, USDT, XMD, MTL, HBAR, DOGE, XLM, SOL, ADA, and more. That gives users multiple ways to move from a simple card purchase into a more active on-chain strategy later.","Once you have bought crypto on Metal Pay, the next step is moving supported assets into WebAuth Wallet. WebAuth is the non-custodial wallet in the Metallicus ecosystem, and it is the bridge into the XPR Network and Metal X.","This is where the user experience changes in a meaningful way. Because the XPR Network has zero gas fees, you do not have to think about paying network fees just to move funds into position. That makes it easier to move assets from Metal Pay into WebAuth and prepare them for the next step without watching transfer costs eat into smaller balances.","For users who have only experienced higher-fee networks, that difference is not small. It changes the economics of moving and using crypto. Instead of hesitating over whether a transfer is worth the fee, users can move assets into WebAuth and keep going.","After your assets are in WebAuth, you can connect to Metal X Lending and use LOAN Protocol to start earning on idle balances.","LOAN Protocol powers the lending markets on Metal X. Instead of leaving supported assets idle, depositors can supply them into lending pools and earn variable APY plus LOAN token incentives. Borrowers, in turn, put up over-collateralized collateral to access those assets. The result is a lending system designed to turn passive balances into productive ones.","The key pitch is simple: if your crypto is just sitting there, LOAN Protocol gives it a job. You are no longer limited to “buy and wait.” You can move from purchase to participation.","Metal X Lending supports a broad set of assets that align with what users can buy through Metal Pay and move through the Metallicus ecosystem. That includes major assets like BTC, ETH, XRP, USDC, and XPR, alongside ecosystem assets like XMD and MTL and several other supported tokens.","That matters because it reduces friction. Users do not need to learn a completely separate stack after buying. The path is direct: buy on Metal Pay, move into WebAuth, and then use those same assets on Metal X.","One reason the lending pitch is compelling is that it is not framed as a one-way move. Depositors can supply assets, earn variable yield, and withdraw when they want. That flexibility matters for users who want to stay active, manage risk, or move quickly when market conditions change.","Instead of treating yield as something that requires permanent commitment, LOAN Protocol makes it part of an accessible on-chain toolkit. You can lend, monitor, and adjust as needed while keeping the overall flow inside the same ecosystem.","Lending is only one part of the story. Once assets are on Metal X, users can also explore swaps, spot trading, liquidity pools, and other DeFi activity. The same feeless XPR Network foundation supports all of it, which means users are not constantly paying gas just to move from one action to the next.","That makes the full stack coherent. Metal Pay gets users in. WebAuth gives them control. The XPR Network removes gas friction. Metal X and LOAN Protocol give them places to use their assets productively.","If you bought crypto on Metal Pay and your next move is simply to let it sit, that is one option. But it is not the only one. The stronger story is that you can put those assets to work. Move them into WebAuth, use the XPR Network without paying gas fees, and explore LOAN Protocol on Metal X to start earning on balances that would otherwise do nothing.","For many users, that is the moment when crypto becomes more than a purchase. It becomes an active financial tool.","Start by buying supported assets on Metal Pay. Then move them into WebAuth Wallet and head to Metal X Lending to explore LOAN Protocol. If the goal is to put idle crypto to work, that is the clearest path from purchase to earning in the Metallicus ecosystem.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/put-idle-crypto-to-work-after-buying-on-metal-pay"},"/news-insights/crypto-news---10-april-2026":{"version":1,"title":"Crypto News - 10 April 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Rebounds, but Sentiment Stays Fragile","keywords":"","h1":["Crypto News - 10 April 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 10, 2026","Crypto markets recovered this week as broader risk appetite improved on hopes that U.S.-Iran tensions might ease, helping bitcoin and ether move higher alongside other risk assets. Even so, the tone stayed cautious as the ceasefire narrative remained shaky and energy-market uncertainty continued to hang over macro sentiment. That caution showed up clearly in the Fear & Greed Index, which stood at 16 on April 10, up from 14 the day before and 9 a week earlier, but still firmly in Extreme Fear. For Metal Pay users, the takeaway is that price action improved, but conviction still looks thin and the market has not fully moved out of defensive mode.","Hong Kong Grants First Stablecoin Licences","Hong Kong issued its first licences for fiat-backed stablecoins this week, giving approval to HSBC and a Standard Chartered-led joint venture under the city’s new regime. The move is notable because it puts large, regulated financial institutions at the front of stablecoin issuance rather than crypto-native firms alone. Regulators said the new products are expected to launch in the second half of the year for uses including payments, merchant transactions, and tokenized investments. For the Metal Pay audience, this is another sign that stablecoins are moving deeper into mainstream financial infrastructure, especially where banks can control distribution and compliance from day one.","Swiss Banks Expand Stablecoin Testing","Six Swiss banks including UBS, PostFinance, Sygnum, Raiffeisen, ZKB, and BCV said they are joining a live sandbox to test a Swiss franc-pegged stablecoin with Swiss Stablecoin AG. The initiative is designed to connect blockchain applications to the Swiss franc in a regulated setting, addressing the fact that Switzerland still lacks a broadly used regulated franc stablecoin. The project also reflects a wider trend of banks treating stablecoins less as a fringe product and more as a strategic payments and settlement tool. For regulated fintech and banking players, it reinforces the idea that the next phase of adoption is likely to come from supervised environments rather than open-ended experimentation.","Bitcoin ETF Flows","Monday brought a strong rebound in spot bitcoin ETF demand, with total net inflows of $471.4 million led by BlackRock's IBIT at $181.9 million, Fidelity's FBTC at $147.3 million, and ARKB at $118.8 million. Tuesday then flipped into outflows, with the group losing $159.1 million as FBTC, GBTC, ARKB, HODL, and IBIT all finished negative on the day. The weakest midweek session came Wednesday at negative $93.9 million, but Thursday was the strongest of the remaining sessions with $358.1 million in net inflows, again led by IBIT at $269.3 million and FBTC at $53.3 million. Overall, bitcoin ETFs stayed choppy through the week but still finished the Monday-through-Thursday stretch with solid net inflows as institutional demand returned on the stronger days.","Ethereum ETF Flows","Monday started the week on firmer footing for spot ether ETFs, with $120.2 million in net inflows led by BlackRock's ETHA at $60.8 million and Fidelity's FETH at $40.1 million, with smaller contributions from Grayscale's ETH and 21Shares' TETH. Tuesday reversed sharply into $64.7 million of net outflows, driven mainly by FETH at negative $48.2 million and ETHA at negative $16.5 million. The weakest midweek day was Wednesday at negative $18.6 million, while Thursday was the strongest remaining session with $85.2 million in inflows led by ETHA at $90.9 million, partially offset by outflows from FETH, TETH, EZET, and ETHE. Overall, ether ETFs were more mixed than Monday first suggested, but the group still closed the week with a modest positive net balance across the main trading days.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","Ethereum led this week’s move on Metal Pay at +8.9%, slightly ahead of Bitcoin at +8.6%, as majors recovered with improving risk appetite and stronger ETF flow days later in the week. Solana also held up well with a 5.0% gain, while Litecoin and Cardano each added 3.8% as the rebound broadened beyond just the top two assets. In other words, this week’s winners were mostly large-cap names that benefited from a macro relief bounce rather than a narrow altcoin rotation.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---10-april-2026"},"/news-insights/crypto-news---20-march-2026":{"version":1,"title":"Crypto News - 20 March 2026 — Metal Pay - Crypto, The Right Way.","description":"Stablecoin Infrastructure Expands as Markets Stay Defensive","keywords":"","h1":["Crypto News - 20 March 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 20, 2026","The U.S. Securities and Exchange Commission issued long-awaited guidance this week on how it views different kinds of crypto assets, giving the market a clearer framework for what may or may not fall under securities law. That matters for builders, exchanges, and fintech platforms because it reduces some of the uncertainty that has hung over listings, token launches, and product design. Even with that step forward, broader market mood stayed cautious, with the Crypto Fear & Greed Index sitting at 11 on March 20, firmly in Extreme Fear. For the Metal Pay audience, the setup feels familiar: infrastructure and policy are moving ahead, but risk appetite is still taking time to catch up.","Mastercard Deepens Its Stablecoin Push With BVNK Deal","Mastercard said this week it will buy stablecoin payments infrastructure firm BVNK for up to $1.8 billion, another sign that major payments players want direct exposure to blockchain-based money movement. BVNK helps businesses move between fiat and stablecoins across more than 130 countries, with a focus on faster and lower-cost transfers. For the Metal Pay audience, this is a meaningful signal because it shows stablecoin rails are increasingly being treated as strategic payments infrastructure rather than a niche crypto add-on. It also reinforces the broader idea that banks, fintechs, and card networks are positioning for a world where programmable dollars and instant settlement sit closer to the core stack.","Nasdaq Gets SEC Approval for Tokenized Securities","The SEC approved Nasdaq's proposal to allow certain stocks and ETFs to trade and settle in tokenized form, pushing blockchain-based market structure a step closer to mainstream finance. Under the plan, eligible securities can exist as both traditional shares and digital tokens while remaining tied to the same core market infrastructure. For crypto-native readers, this is one of the clearest signs yet that tokenization is moving beyond theory and into regulated distribution. For Metal Pay users and partners, it reinforces the long-term thesis that blockchain is increasingly being adopted as financial plumbing for real-world assets, not just for crypto trading.","Bitcoin ETF Flows","Friday delivered $180.4 million in net inflows, led by BlackRock's IBIT with $143.6 million and Fidelity's FBTC with $23.2 million. Monday strengthened to $199.4 million, again driven by IBIT at $139.4 million and FBTC at $64.5 million, despite small offsets from ARKB and HODL. Tuesday matched Monday's total at $199.4 million and was the strongest reading in the set, with IBIT contributing $169.3 million and FBTC adding $24.4 million. Wednesday then reversed sharply into $163.5 million of net outflows, led by FBTC at $103.8 million out and IBIT at $33.9 million out, before Thursday stayed negative at $90.2 million as IBIT, FBTC, BITB and ARKB all posted redemptions. Overall, the week started with solid institutional demand but lost momentum quickly in the back half as broad market risk appetite weakened.","Top Movers (Coins Available on Metal Pay)","Ripple led this week's Metal Pay board at +1.4%, holding up best in a market that stayed stuck in Extreme Fear. XRP likely benefited from the week's regulatory-clariy theme after new SEC guidance helped reinforce a more defined framework for digital assets, while XPR Network and Ethereum also stayed modestly positive at +0.8% and +0.7%. Solana and Metal DAO finished slightly negative, but their moves were still relatively contained given the softer tone across majors and the midweek reversal in Bitcoin ETF flows. Overall, this was less a breakout week than a resilience test, with XRP, XPR, and ETH proving the steadiest names on the board","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---20-march-2026"},"/news-insights/crypto-news---27-march-2026":{"version":1,"title":"Crypto News - 27 March 2026 — Metal Pay - Crypto, The Right Way.","description":"Geopolitics Keep Crypto in a Risk-Off Market","keywords":"","h1":["Crypto News - 27 March 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Mar 27, 2026","Geopolitics Keep Crypto in a Risk-Off Market","Crypto traded in a tougher macro backdrop this week as the conflict involving Iran kept oil prices elevated, pushed global equities lower, and lifted bond yields. Investors were cutting risk as uncertainty around the duration of the conflict and disruption near the Strait of Hormuz fed inflation concerns across markets. The Nasdaq entered correction territory during the week, showing how quickly risk appetite weakened even outside crypto. For Metal Pay readers, the bigger story is that digital assets are still moving with the broader macro tape, where geopolitics and energy markets are shaping sentiment as much as crypto-native headlines.","BMO Pushes Tokenized Cash Into Markets","BMO (Bank of Montreal, the eighth largest bank in North America by assets) said it plans to launch tokenized cash capabilities with CME Group and Google Cloud, giving clients a way to convert U.S. dollars into a tokenized instrument for use in margined products at the exchange. The goal is near-instant settlement, continuous funding, and less operational friction as markets move toward 24/7 trading. BMO also said it is launching tokenized deposits so bank-held money can be used digitally for payments, treasury movements and programmable cash applications. For the Metal Pay audience, this is another strong signal that bank-issued digital money is moving closer to live institutional use.","NYSE Taps Securitize for Tokenized Securities","NYSE said it will work with Securitize to create tokenized versions of traditional securities, with Securitize becoming the first digital transfer agent eligible to create blockchain-based stocks and ETFs on an upcoming NYSE-affiliated platform. The two companies will also help shape regulatory, operational and technology standards for institutional-grade tokenization infrastructure. That matters because the conversation has moved beyond pilots and into market structure: issuance, transfer, settlement and investor protections. For Metal Pay readers, it is another sign that onchain capital markets are being built by the same institutions that already run core financial plumbing.","Bitcoin ETF Flows","Bitcoin ETFs opened the week with $167.2 million in net inflows on Monday, led by BlackRock's IBIT at $160.8 million and Fidelity's FBTC at $41.7 million, partly offset by $25.9 million of outflows from Grayscale's GBTC. Flows flipped back to outflows on Tuesday, with $74.5 million leaving the group, driven by Fidelity's $45.3 million withdrawal, Bitwise's $16.6 million and VanEck's $7.9 million. The strongest midweek day was Wednesday, when the complex still managed a modest $7.8 million net inflow as Fidelity added $83.3 million and outweighed BlackRock's $70.7 million outflow, while the weakest day came Thursday with $171.3 million in net outflows led by BlackRock, Fidelity, Bitwise and ARK. Overall, bitcoin ETF demand stayed fragile this week, with Monday's rebound unable to offset renewed selling later in the week.","Ethereum ETF Flows","Ethereum ETFs started the week with $16.2 million in net outflows on Monday, led by BlackRock's ETHA at $15.7 million and Fidelity's FETH at $1.6 million, while BlackRock's ETHB added $1.1 million. Outflows deepened on Tuesday, with $40.7 million leaving the group as ETHA shed $25.0 million, FETH lost $5.8 million and Grayscale's mini ETH fund saw $10.0 million redeemed. The strongest midweek day was Wednesday, when total outflows narrowed to $8.5 million as Fidelity's FETH brought in $23.8 million against a $33.4 million withdrawal from ETHA, while the weakest day came Thursday with $92.5 million in net outflows led by ETHA's $140.2 million loss despite a $96.8 million inflow into ETHB. Overall, ethereum ETF flows remained decisively weaker than bitcoin this week, with persistent redemptions showing demand is still under pressure.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","This week’s move list was entirely negative, with these names representing the weakest 7-day performers among tracked tokens on Metal Pay rather than the strongest gainers. XRP posted the largest decline at -7.2%, followed closely by ADA at -7.1%, LOAN at -7.0%, ETH at -6.9%, and SOL at -6.6%. The tight spread across the group suggests broad market weakness rather than a single token-specific breakdown. These were also the tokens with the biggest dips on the tracked list this week, which some buyers may view as a signal to start watching for potential rebound entries.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---27-march-2026"},"/news-insights/crypto-news---3-april-2026":{"version":1,"title":"Crypto News - 3 April 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Stays Risk-Off as War Headlines Drive Volatility","keywords":"","h1":["Crypto News - 3 April 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 3, 2026","Crypto markets spent the week reacting to swings in broader risk sentiment as traders tracked developments around the Iran conflict, higher oil prices, and shifting expectations for global growth. Bitcoin briefly steadied early in the week when de-escalation hopes surfaced, then slipped back toward the lower end of its recent range after tougher U.S. rhetoric renewed pressure on risk assets. Ethereum and other majors also moved lower during the sharpest risk-off sessions. That backdrop kept sentiment fragile, with the Crypto Fear & Greed Index sitting at 9 on April 3, firmly in Extreme Fear. For Metal Pay users, the takeaway is that macro headlines are still steering short-term price action even as institutional crypto infrastructure keeps advancing underneath the surface.","Coinbase Wins Conditional U.S. Trust Charter Approval","Coinbase said it received conditional approval from the Office of the Comptroller of the Currency for a national trust company charter, a move that would let it operate as a federally regulated crypto custodian once finalized. The company said the charter would not make it a commercial bank and that it would not take retail deposits, but it would give Coinbase a more standardized regulatory base for custody, payments, and related services. For the industry, this is another sign that regulated crypto infrastructure is moving closer to traditional financial plumbing. For the Metal Pay audience, it reinforces the direction of travel: custody, payments, and compliance are becoming core competitive layers, not side features.","Australia Tightens Rules for Crypto Platforms","Australia moved ahead with a new digital asset framework this week, passing legislation that brings digital asset platforms and tokenized custody platforms into the country’s financial services regime. The law requires many operators to hold an Australian Financial Services Licence and sets more formal standards around custody, disclosure, and consumer protection. That matters because it shows another major market leaning toward licensing and mainstream oversight rather than leaving crypto in a grey zone. For institutions and infrastructure providers, the global trend is becoming clearer: compliant custody and regulated distribution are increasingly the baseline for growth.","Bitcoin ETF Flows","Monday brought a net $69.4 million of inflows, led by ARKB with $33.0 million and FBTC with $28.9 million, with IBIT also adding $7.5 million. Tuesday saw flows strengthen to $117.5 million, driven mainly by IBIT at $98.4 million and FBTC at $16.2 million. The strongest day in the period was Tuesday, while the weakest was the prior Friday at a net $225.5 million outflow, led by IBIT at negative $201.5 million, BITB at negative $18.6 million, and ARKB at negative $5.4 million. Midweek then reversed sharply, with Wednesday posting a $173.7 million net outflow as IBIT and FBTC led redemptions. By the final reported session, flows turned slightly positive at $9.0 million, leaving the week as a choppy but still institutionally active stretch for spot bitcoin ETFs.","Ethereum ETF Flows","Monday saw a modest $5.0 million net inflow, led by FETH with $10.6 million and ETHB with $4.2 million, partly offset by a $9.8 million outflow from ETHA. Tuesday improved to a net $31.2 million, with ETHA contributing $24.7 million and smaller additions from TETH, FETH, ETHB, and ETHW. The strongest day in the period was Tuesday, while the weakest was the final reported session on Thursday at a net $71.2 million outflow, led by ETHA at negative $46.7 million, ETHE at negative $16.8 million, and FETH at negative $7.7 million. Wednesday had already turned soft at negative $7.1 million despite support from ETHE and ETH. Overall, spot ether ETF flows stayed uneven all week, with brief demand bursts unable to fully offset heavier redemptions at the start and end of the period.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","Metal DAO led this week’s list with a 6.0% gain, outperforming both the broader crypto market and many smart contract peers over the past seven days. Ethereum followed with a 3.3% rise, while Dogecoin and Bitcoin held onto smaller gains of 1.5% and 1.3% even as macro headlines kept risk appetite in check. Cardano finished flat, which still counted as relative resilience in a week where sentiment stayed pinned in Extreme Fear. The bigger read here is that these names were the ones that held up best during a volatile stretch, and some buyers may view that relative strength as a signal.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---3-april-2026"},"/news-insights/crypto-news---24-april-2026":{"version":1,"title":"Crypto News - 24 April 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Sentiment Improves, but Fear Remains","keywords":"","h1":["Crypto News - 24 April 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 24, 2026","Crypto markets showed signs of recovery this week, with Bitcoin holding near recent highs as ETF demand stayed positive and several major tokens recovered from earlier weakness. The Crypto Fear & Greed Index rose to 39 on April 24, up from 21 last week and 14 last month, moving sentiment from Extreme Fear back into Fear. That suggests the market is stabilizing, but investors are still cautious after weeks of macro volatility and geopolitical uncertainty. For Metal Pay users, the key takeaway is that confidence has improved, but the broader market has not fully shifted into risk-on mode.","Stablecoin Regulation Stays in Focus","Stablecoins remained a major policy topic this week after the Bank for International Settlements called for stronger global coordination around stablecoin rules. BIS General Manager Pablo Hernandez de Cos warned that fragmented regulation could create market stress, regulatory arbitrage, and capital flight risks, especially in developing economies. Tether pushed back on the BIS comparison of stablecoins to ETFs, saying users treat USDT as a digital dollar rather than an investment product. The debate matters for payments companies, banks, and wallets because stablecoins are increasingly being discussed as financial infrastructure, not just crypto trading tools.","U.S. Crypto Perpetual Futures Move Closer","Crypto exchanges are preparing for a possible expansion of U.S.-regulated perpetual futures, a product that has historically been concentrated offshore. Reuters reported that Kraken is buying Bitnomial for up to $550 million, while Coinbase, Robinhood, and Gemini are also positioning around derivatives access as the CFTC works toward clearer rules. Perpetual futures are popular because traders can hold leveraged positions without expiry, but they also carry higher risk for retail users. The shift could bring more crypto activity into regulated U.S. venues, while increasing the need for clearer disclosures and risk controls.","Bitcoin ETF Flows","Monday saw Bitcoin ETFs bring in $238.4 million, led by BlackRock’s IBIT with $256.0 million, while Grayscale’s GBTC posted $24.9 million in outflows. Tuesday slowed sharply to $11.8 million, with IBIT adding $39.3 million while Fidelity, Bitwise, ARK, VanEck, and GBTC all saw outflows. The strongest midweek day came Wednesday at $335.8 million, led again by IBIT with $246.9 million, while Thursday remained positive at $223.3 million despite outflows from FBTC, BITB, and HODL. Overall, Bitcoin ETF demand stayed firmly positive across the week, with BlackRock continuing to drive the bulk of inflows.","Ethereum ETF Flows","Monday saw Ethereum ETFs bring in $67.8 million, led by BlackRock’s ETHA with $76.1 million and BlackRock’s ETHB with $13.2 million, while Grayscale’s ETHE and ETH posted outflows. Tuesday added $43.4 million, with ETHA and ETHB again leading despite outflows from Fidelity’s FETH and Grayscale’s ETHE. The strongest midweek day came Wednesday at $96.4 million, led by ETHA with $53.6 million and FETH with $40.6 million, while Thursday reversed to $75.9 million in net outflows as FETH, ETHA, ETHW, TETH, and ETHE all declined. Overall, Ethereum ETF flows were positive early in the week but weaker than Bitcoin, with Thursday’s reversal showing demand remains less consistent.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","LOAN Protocol was the strongest performer on the Metal Pay 7-day chart, rising 23.9% as XPR ecosystem tokens outperformed the broader market. XPR Network followed closely with a 20.6% weekly gain, while Metal Blockchain added 8.3%, showing strength across the Metallicus ecosystem. Litecoin was nearly flat at 0.1%, and Bitcoin slipped slightly by 0.3%, suggesting most of the upside this week was concentrated in smaller ecosystem-linked assets rather than the largest market leaders.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---24-april-2026"},"/news-insights/crypto-news---1-may-2026":{"version":1,"title":"Crypto News - 1 May 2026 — Metal Pay - Crypto, The Right Way.","description":"Dogecoin Rallies as Bitcoin and Ethereum ETFs Split","keywords":"","h1":["Crypto News - 1 May 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 1, 2026","Crypto markets ended the week with a modest rebound as Bitcoin climbed back toward the upper-$70,000 range alongside a broader recovery in risk assets. The move came after strong U.S. technology earnings helped improve investor appetite, though short-term pressure remained visible across ETF flows and trading volumes. The Crypto Fear & Greed Index sat at 26 on May 1, keeping the market in Fear, compared with 39 last week and 8 last month. For Metal Pay users, the message is mixed: prices have stabilized, but the market is still not showing full risk-on conviction.","Tether Slows Gold Purchases in Latest Reserve Update","Tether’s latest quarterly reserve data showed the stablecoin issuer slowed its gold purchases in the first quarter, buying about 6 metric tons compared with 27 tons in the prior quarter. The update matters because USDT remains the largest stablecoin in crypto and its reserve composition is closely watched by traders, regulators, and institutions. Reuters reported that the shift came as Tether continued managing a reserve mix that includes cash-equivalent assets, Bitcoin, and gold exposure. For users, it is another reminder that stablecoin backing, transparency, and reserve quality remain central themes as digital dollars become more important to crypto markets.","Dogecoin Leads as Risk Appetite Rotates Into High-Beta Tokens","Dogecoin was one of the strongest major tokens this week, rising around 10% and briefly pushing above 11 cents before settling near 10.5 cents, according to CoinDesk. The move stood out because DOGE separated from the more muted performance of Bitcoin and Ethereum, suggesting some traders were rotating into higher-beta assets as market conditions improved. Open interest also climbed to a year high, showing renewed derivatives activity around the token. For Metal Pay users, DOGE’s move shows that even in a cautious market, select assets can still attract momentum when sentiment turns less defensive.","Bitcoin ETF Flows","Bitcoin ETFs opened the week with $263.2 million in net outflows on Monday, led by Fidelity’s FBTC at $150.4 million, Grayscale’s GBTC at $46.6 million, and Ark’s ARKB at $43.3 million. Tuesday remained negative with $89.7 million in net outflows as BlackRock’s IBIT lost $112.2 million, partly offset by $41.2 million into ARKB. The weakest midweek session came Wednesday with $137.6 million in net outflows, led by IBIT, FBTC, ARKB, and GBTC, while Thursday was the strongest day with $23.5 million in net inflows as FBTC and IBIT returned to positive flows. Overall, Bitcoin ETFs saw a choppy week with heavy early outflows and only a late-week rebound.","Ethereum ETF Flows","Ethereum ETFs started the week with $50.4 million in net outflows on Monday, led by Fidelity’s FETH at $48.4 million and BlackRock’s ETHA at $13.8 million, partly offset by $11.8 million into BlackRock’s ETHB. Tuesday stayed negative with $21.8 million in net outflows as ETHA, FETH, and Grayscale’s ETHE all posted redemptions. The weakest midweek session came Wednesday with $87.8 million in net outflows, led by FETH at $48.4 million and ETHA at $37.1 million, while Thursday saw another $23.7 million in net outflows despite ETHB adding $29.1 million. Overall, Ethereum ETFs remained under pressure all week, with consistent redemptions across the major funds.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","Dogecoin was the clear standout this week, rising 11.1% as renewed trader interest and higher derivatives activity helped it outperform the broader market. Bitcoin held slightly positive at 0.6%, while Metal DAO, Ethereum, and Cardano were nearly flat but slightly negative. In a week where ETF flows were mixed and sentiment remained in Fear, the top of the Metal Pay watchlist showed selective strength rather than broad market momentum.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---1-may-2026"},"/news-insights/crypto-news---17-april-2026":{"version":1,"title":"Crypto News - 17 April 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Rebounds, but Fear Stays Elevated","keywords":"","h1":["Crypto News - 17 April 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Apr 17, 2026","Crypto markets finished the week on firmer footing as hopes for de-escalation in the Middle East improved broader risk sentiment and pushed oil prices sharply lower. That helped digital assets recover alongside equities, even though traders are still treating the move cautiously after several volatile weeks. The attached Fear & Greed Index still showed a reading of 21 on April 17, which remains in Extreme Fear territory, up from 16 a week earlier but still far from a full risk-on reset. For Metal Pay readers, the message is straightforward: price action improved, but sentiment is still fragile and macro headlines are still driving the tape.","Goldman Files for First Bitcoin ETF","Goldman Sachs filed plans this week for its first bitcoin ETF, adding another major Wall Street name to the growing field of institutional crypto products. The proposed fund would not just track bitcoin exposure, but also seek to generate income through bitcoin options strategies, showing how issuers are starting to experiment beyond plain-vanilla spot exposure. The filing came only days after Morgan Stanley launched its own spot bitcoin fund, underlining that large financial firms are still leaning into crypto even during a choppy market. For the Metal Pay audience, this is another sign that bitcoin access is becoming more embedded in mainstream brokerage and asset-management channels.","Europe Pushes Harder on Stablecoins","Stablecoins stayed at the center of policy and banking discussions this week in Europe. France's finance minister called for more euro-pegged stablecoins and urged banks to explore tokenized deposits, arguing that Europe needs stronger digital payment infrastructure to avoid falling further behind dollar-based systems. Separately, Britain's Financial Conduct Authority opened consultation on future crypto rules covering trading platforms, staking, dealing, and custody ahead of a broader regime expected in 2027. For Metal Pay readers, both stories matter because they show regulated digital money moving deeper into mainstream finance, especially around payments, compliance, and bank-issued value transfer.","Bitcoin ETF Flows","Monday saw a sharp reversal, with spot bitcoin ETFs posting $291.0 million in net outflows, led by redemptions from Fidelity's FBTC, ARK's ARKB, and Grayscale's GBTC. Tuesday flipped back into positive territory with $411.4 million in net inflows, driven mainly by BlackRock's IBIT and ARKB, with additional support from FBTC. Midweek, Wednesday added another $186.1 million as IBIT did most of the lifting, even with outflows from FBTC, ARKB, and GBTC, while Thursday slowed to a modest $26.1 million net inflow as IBIT gains were partly offset by fresh redemptions from those same issuers. Overall, the week showed demand was still there, but flows remained uneven and highly concentrated in a handful of products.","Ethereum ETF Flows","Monday was a quiet start for spot ether ETFs, with just $9.5 million in net inflows as gains in BlackRock's ETHB, Fidelity's FETH, and Grayscale's ETH were partly offset by small outflows from ETHA and TETH. Tuesday improved to $53.1 million in net inflows, led by Fidelity's FETH and BlackRock's ETHA. Midweek, Wednesday was the strongest day at $67.9 million, with ETHA, ETH, and ETHB all contributing, while Thursday cooled to $18.0 million as ETHA inflows were partly cancelled out by outflows from ETHE and ETHW. Overall, ether funds stayed positive through the week, but like bitcoin, demand was steady rather than explosive.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","LOAN Protocol led this week's Metal Pay leaderboard with a 15.7% gain, outpacing a strong group that also included METAL, XRP, XPR, and ETH. The broader backdrop looked supportive: risk appetite improved late in the week as Middle East tensions eased and oil prices dropped, while ETF flows stayed net positive on several sessions and helped keep attention on large-cap crypto. XRP and ETH appear to have benefited most directly from that broader rebound, while LOAN and METAL looked more like higher-beta catch-up moves inside the XPR and Metal ecosystem. In short, this week was less about one isolated token catalyst and more about improving macro tone lifting a concentrated group of names.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---17-april-2026"},"/news-insights/crypto-news---22-may-2026":{"version":1,"title":"Crypto News - 22 May 2026 — Metal Pay - Crypto, The Right Way.","description":"ETF Outflows Keep Sentiment Cautious","keywords":"","h1":["Crypto News - 22 May 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 22, 2026","Crypto sentiment stayed weak this week as spot ETF selling pressure continued across both Bitcoin and Ethereum products. The Crypto Fear & Greed Index read 28 on May 22, keeping the market in Fear and down sharply from 43 last week. Bitcoin ETF flows were negative from Monday through Thursday, while Ethereum ETFs also posted steady redemptions across the same stretch. The move suggests investors are still reducing exposure even as prices attempted to stabilize, leaving the market cautious rather than fully risk-on.","Kevin Warsh Sworn In as Fed Chair","Kevin Warsh was sworn in as the new chair of the Federal Reserve on May 22, replacing Jerome Powell at a delicate moment for markets. Warsh takes over as the central bank faces persistent inflation pressure, political demands for lower rates, and renewed uncertainty tied to the U.S. conflict with Iran. For crypto investors, the change matters because Fed policy remains one of the biggest drivers of dollar liquidity, risk appetite, and ETF demand. Warsh has previously argued for a reform-oriented Fed and has supported the case for lower rates, but policymakers are still divided over whether inflation requires tighter policy.","European Banks Expand Euro Stablecoin Push","A European bank-backed stablecoin project added 25 new lenders this week, bringing the Qivalis consortium to 37 institutions across 15 countries. New participants include ABN Amro, Sabadell, Rabobank, Bankinter, Bank of Ireland, Handelsbanken, and Nordea. The group is working on a euro-pegged stablecoin as European financial institutions look for locally governed digital payment infrastructure and a stronger role in tokenized finance. For the Metal Pay audience, the story shows traditional banks moving deeper into stablecoins as a payments and settlement layer, not just as a crypto-native product.","SEC Weighs Tokenized Stock Trading Path","The U.S. Securities and Exchange Commission is preparing an “innovation exemption” that could allow trading of tokenized versions of stocks, according to a Reuters report citing Bloomberg News. The plan would potentially let crypto platforms offer blockchain-based stock exposure, though the tokens may not include traditional shareholder rights such as voting or dividends. The proposal remains early, but it points to a broader regulatory shift toward testing tokenized securities inside controlled frameworks. For crypto markets, the significance is clear: tokenization is moving from a DeFi narrative into the center of mainstream market structure discussions.","Bitcoin ETF Flows","Bitcoin ETFs opened the week with $648.6 million in net outflows on Monday, led by heavy redemptions from IBIT at $448.4 million, ARKB at $109.6 million, and FBTC at $63.4 million. Tuesday extended the reversal with another $331.1 million leaving the group, again driven mainly by IBIT, which lost $325.6 million. The weakest midweek day was Monday, while Wednesday was the least negative session at $70.5 million in outflows, with IBIT and FBTC redemptions partly offset by a small $1.1 million inflow into MSBT. Overall, Bitcoin ETFs recorded a difficult week, with $1.15 billion in net outflows through Thursday and IBIT accounting for most of the pressure.","Ethereum ETF Flows","Ethereum ETFs began the week with $86.4 million in net outflows on Monday, led by ETHA at $55.4 million, FETH at $14.7 million, and ETH at $10.1 million. Tuesday stayed negative with another $62.3 million in outflows, as ETHA accounted for $59.4 million of the total while ETHW posted a small $0.8 million inflow. The strongest midweek day was Wednesday, with a smaller $28.1 million outflow as ETHB added $4.4 million against redemptions from ETHA and FETH, while Thursday weakened again to $32.6 million in outflows. Overall, Ethereum ETFs finished the reported week down $209.4 million through Thursday, with ETHA the main source of redemptions.","Top Movers (Coins Available on Metal Pay)","Metal Blockchain was the top performer on the Metal Pay 7-day chart, rising 2.3% and standing out during a cautious week for broader crypto markets. XPR Network also held slightly positive at 0.6%, while LOAN Protocol, Solana, and Bitcoin all moved lower but remained within a relatively narrow range. With Bitcoin ETF outflows pressuring sentiment and the Fear & Greed Index sitting in Fear, the chart suggests Metal ecosystem tokens held up better than several larger-cap names, even without a single obvious public catalyst.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---22-may-2026"},"/news-insights/crypto-news---8-may-2026":{"version":1,"title":"Crypto News - 8 May 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Rebounds, but Sentiment Remains Cautious","keywords":"","h1":["Crypto News - 8 May 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 9, 2026","Crypto markets opened May with stronger spot ETF demand and a broader recovery in major assets, but sentiment is still far from euphoric. Bitcoin ETF inflows were strong early in the week before reversing on Thursday, while Ether funds also saw a sharp pullback after several positive sessions. The attached Fear & Greed Index showed a reading of 38 on May 8, down from 47 the day before but above last week’s 26 and last month’s 17. For Metal Pay users, the signal is mixed: markets have improved from extreme fear, but traders are still responding quickly to shifts in macro risk and ETF demand.","Stablecoin Regulation Takes Center Stage","Stablecoins remained one of the biggest policy stories of the week as global regulators sharpened their focus on how fiat-backed tokens should operate at scale. Reuters reported that European Central Bank President Christine Lagarde questioned the need for euro stablecoins and warned that poorly designed tokens could create risks for monetary policy and financial stability. Bank of England Governor Andrew Bailey also warned that international regulators may face a “wrestle” with the U.S. over stablecoin rules, especially around convertibility and cross-border risk. The debate matters for crypto users because stablecoins are becoming core payments infrastructure, but regulators are still deciding what forms are safe enough for mainstream finance.","Institutions Push Deeper Into Crypto Access","Institutional crypto access continued to expand this week, with more attention on trading, custody, and tokenized financial products. CoinDesk reported from Consensus Miami that industry leaders are increasingly framing crypto as infrastructure rather than a speculative side market, with stablecoins, tokenization, and AI-driven finance all part of the discussion. Cointelegraph also reported that BNY is exploring institutional Bitcoin and Ethereum custody for investors in the UAE, adding to signs that large financial firms are still building during uneven market conditions. For Metal Pay users, the bigger takeaway is that institutional adoption is no longer just about Bitcoin exposure; it is moving toward custody, tokenized assets, payments, and regulated access points.","Bitcoin ETF Flows","Monday saw Bitcoin ETFs bring in $532.3 million, led by BlackRock’s IBIT with $335.5 million and Fidelity’s FBTC with $184.6 million, while Morgan Stanley’s MSBT added $12.2 million. Tuesday kept the positive run going with $467.3 million in net inflows, again led by BlackRock at $251.4 million and Fidelity at $133.2 million, while ARK’s ARKB added $92.3 million. The strongest midweek day was Tuesday’s $467.3 million inflow, while Thursday was the weakest session with $268.5 million in net outflows, driven by redemptions from Fidelity, BlackRock, ARK, VanEck, Invesco, and Grayscale’s GBTC. Overall, Bitcoin ETF flows stayed positive for the week at $777.3 million across the reported sessions, but the sharp Thursday reversal showed demand cooled after a strong start.","Ethereum ETF Flows","Monday saw Ethereum ETFs bring in $61.3 million, led by BlackRock’s ETHA with $54.8 million and Fidelity’s FETH with $6.5 million. Tuesday strengthened the move with $97.5 million in net inflows, led by BlackRock at $69.5 million and Fidelity at $24.2 million, with smaller additions from BlackRock’s ETHB and 21Shares. The strongest midweek day was Tuesday’s $97.5 million inflow, while Thursday was the weakest session with $103.6 million in net outflows, led by redemptions from Fidelity, BlackRock, 21Shares, and Grayscale’s ETHE and ETH products. Overall, Ethereum ETF flows finished positive at $66.7 million across the reported sessions, but Thursday’s outflow erased much of the early-week momentum.","Top Movers (Coins Available on Metal Pay - 7 Day Chart)","LOAN Protocol was the clear top performer on the Metal Pay 7-day chart, rising 40.9% and significantly outpacing the rest of the listed assets. Metal DAO also posted a strong 10.4% weekly gain, while Cardano, Solana, and Hedera held up with more moderate single-digit advances. The mix suggests that smaller ecosystem tokens led the move this week, while larger-cap networks benefited from the broader improvement in market tone, stronger ETF demand earlier in the week, and renewed attention on infrastructure, payments, and institutional adoption.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---8-may-2026"},"/news-insights/crypto-news---29-may-2026":{"version":1,"title":"Crypto News - 29 May 2026 — Metal Pay - Crypto, The Right Way.","description":"CFTC Clears First U.S. Bitcoin Perpetual Futures","keywords":"","h1":["Crypto News - 29 May 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 30, 2026","The CFTC approved KalshiEX’s BTCPERP contract, clearing the first U.S.-regulated bitcoin perpetual futures contract for listing on a CFTC-regulated exchange. Perpetual futures are a major part of global crypto derivatives trading because they do not expire and let traders maintain leveraged exposure without rolling contracts. Until now, much of that activity has lived offshore or outside standard U.S. market structure, making this a notable step toward bringing crypto-native products under domestic oversight. Reuters also reported that Coinbase and Kalshi are moving to offer regulated perpetual crypto futures to U.S. investors, signaling a broader shift in how U.S. regulators are approaching digital-asset derivatives.","ETF Outflows Keep Market Sentiment Under Pressure","Crypto sentiment remained weak this week as Bitcoin ETF outflows extended into a record nine-day streak, with investors pulling roughly $2.8 billion across the run. The pressure showed up in the attached Fear & Greed Index, which sat at 23 on May 29, placing the market in Extreme Fear, only slightly above yesterday’s 22 reading. The broader tone reflected continued caution around Bitcoin, Ethereum and higher-beta assets, even as some tokens held up better on a relative basis. Extreme fear does not predict direction by itself, but it does show how defensive the market mood has become.","Tether Plans Government-Backed Georgian Lari Stablecoin","Tether said it plans to launch GELT, a digital token representing the Georgian lari, in partnership with the Georgian government. The company described the project as an official stablecoin initiative designed to support digital payments, fintech development and cross-border trade. Reuters noted that Tether did not clarify whether the token should be considered a central bank digital currency, which leaves some policy questions open. The announcement is still notable because it shows private stablecoin issuers continuing to work directly with governments as countries explore regulated digital money systems.","Bitcoin ETF Flows","The prior Friday close showed $105.2M in net outflows for Bitcoin ETFs, led by $68.9M from IBIT and $36.3M from FBTC. Tuesday deepened the reversal with $333.6M in net outflows, led by IBIT, FBTC, BITB, GBTC and BTC. The weakest midweek day was Wednesday, when total outflows reached $733.4M, including $527.8M from IBIT, $104.8M from GBTC and $60.3M from FBTC, while MSBT was the lone green print at $4.3M. Thursday remained negative at $223.3M, driven by IBIT, GBTC and FBTC, bringing the visible week total to $1,290.3M in net outflows.","Ethereum ETF Flows","The prior Friday close showed $6.6M in net outflows for Ethereum ETFs, led by $5.6M from ETHA and $1.0M from FETH. Tuesday saw outflows widen to $35.1M, with FETH, ETH, ETHE and ETHA all negative. The weakest midweek day was Thursday, when total outflows hit $121.4M, led by $80.4M from ETHA, $21.4M from ETHE, $15.1M from FETH and $7.6M from ETH, partly offset by $3.1M into ETHB. Overall, ETH ETFs posted $223.6M in net outflows across the visible week, showing continued pressure but smaller absolute redemptions than BTC products.","Top Gainers (Coins Available on Metal Pay)","Hedera was the clear relative leader on the Metal Pay 7-day chart, rising 4.6% while most tracked assets finished lower. XRP and XPR Network held up better than the rest of the red group, down 1.9% and 2.4% respectively, while Litecoin, Solana, Ethereum and Bitcoin all slipped between 3.2% and 3.9%. With the Fear & Greed Index sitting in Extreme Fear at 23, this week’s table is less about broad upside and more about which assets resisted the downturn best. Cardano, LOAN Protocol and Metal DAO saw the largest dips among the tracked list, which some buyers may view as a signal to watch for potential entries if market sentiment stabilizes.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---29-may-2026"},"/news-insights/crypto-news---15-may-2026":{"version":1,"title":"Crypto News - 15 May 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Regulation Clears a Senate Hurdle","keywords":"","h1":["Crypto News - 15 May 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","May 15, 2026","The U.S. Senate Banking Committee advanced the CLARITY Act this week, moving a major crypto market-structure bill through an important checkpoint. The proposal aims to define when digital assets are treated as securities, commodities, or other instruments, while also bringing digital commodity platforms under clearer compliance expectations. For Metal Pay users, the key takeaway is that Washington is still moving toward a more defined framework for crypto, stablecoins, DeFi, and tokenized assets. Markets reacted cautiously but positively after the vote, while sentiment remained fragile: the Crypto Fear & Greed Index sat at 43 on May 15, still in “Fear,” but improved from 34 the previous day and 23 last month.","Stablecoin Demand Lifts Circle Results","Circle reported stronger quarterly revenue and reserve income this week as demand for USDC increased during a volatile period for global markets. Reuters reported that USDC circulation rose 28% year over year to $77 billion, with investors using stablecoins as a more stable parking place during uncertainty. The update matters for the broader crypto payments market because it shows stablecoins continuing to gain practical usage beyond trading speculation. It also keeps the bank-versus-stablecoin debate in focus, especially as lawmakers discuss whether stablecoin rewards could pull deposits away from traditional financial institutions.","Metallicus and CrossState Launch 50-Credit-Union Pilot","CrossState Credit Union Association and Metallicus announced Innovation Program 2.0 this week with an initial cohort of 50 credit unions across New Jersey and Pennsylvania. The program is designed to help credit unions evaluate stablecoins, digital identity, blockchain infrastructure, faster payments, compliance automation, and treasury workflows through education, sandbox testing, and strategic collaboration.","Participating credit unions will be able to test personalized, credit union-branded stablecoins in a simulated environment without using real funds, reserves, or member accounts. For the Metal Pay audience, the announcement highlights how blockchain and stablecoin infrastructure is moving closer to practical financial institution use cases, especially around member-facing payments and deposit retention.","Bank Interest in Digital Assets Keeps Building","Traditional finance continued moving deeper into crypto infrastructure this week, with Hana Bank agreeing to buy a $672.5 million stake in Dunamu, the operator of South Korea’s Upbit exchange. The Wall Street Journal described it as the largest single digital-asset investment by a South Korean bank, and the deal places Hana among Dunamu’s major shareholders. For Metal Pay’s audience, the signal is clear: banks are no longer just watching crypto from the sidelines. They are increasingly looking at exchanges, blockchain services, remittance rails, and digital asset infrastructure as part of their long-term financial technology strategy.","Bitcoin ETF Flows","Bitcoin ETFs started the week with $27.2 million in net inflows on Monday, led by Morgan Stanley’s MSBT at $26.3 million, with support from Invesco’s BTCO and VanEck’s HODL. Tuesday reversed sharply with $233.2 million in net outflows, driven by Fidelity’s FBTC, ARK’s ARKB, BlackRock’s IBIT, Bitwise’s BITB, and Grayscale’s GBTC. The weakest midweek session came Wednesday, when funds posted $630.4 million in net outflows, led by IBIT at $284.7 million, ARKB at $177.1 million, and FBTC at $133.2 million, before Thursday recovered with $131.3 million in net inflows as IBIT added $144.1 million. Overall, Bitcoin ETF demand was volatile, with one strong rebound day not enough to offset the heavy Tuesday and Wednesday redemptions.","Ethereum ETF Flows","Ethereum ETFs opened the week with $17.0 million in net outflows on Monday, led by redemptions from Grayscale’s ETHE and ETH, while BlackRock’s ETHA posted a small $2.1 million inflow. Tuesday saw a deeper reversal with $130.6 million in net outflows, driven mainly by ETHA at $102.0 million and Fidelity’s FETH at $37.0 million, partly offset by $11.7 million into BlackRock’s staked ETHB. The weakest midweek day was Tuesday, while Wednesday remained negative at $36.3 million and Thursday narrowed to just $5.6 million in net outflows as FETH, VanEck’s ETHV, and Franklin Templeton’s EZET added modest inflows. Overall, Ethereum ETF flows stayed under pressure all week, though the pace of outflows improved into Thursday.","Top Movers (Coins Available on Metal Pay)","Metal Blockchain was the top performer on the Metal Pay 7-day chart, rising 11.6% and outpacing the rest of the tracked list. XPR Network and LOAN Protocol also held up well, gaining 5.1% and 4.4% respectively, while Dogecoin and XRP added 4.4% and 3.4%. Broader payment-linked names such as DOGE and XRP appeared to benefit from the market’s late-week rebound after the Senate committee advanced the CLARITY Act.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---15-may-2026"},"/news-insights/crypto-news---12-june-2026":{"version":1,"title":"Crypto News - 12 June 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Stays in Extreme Fear as SpaceX IPO Nears $2T","keywords":"","h1":["Crypto News - 12 June 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 12, 2026","Crypto markets ended the week with sentiment still deeply defensive. The Fear & Greed Index stood at 12 on June 12, unchanged from yesterday and last week, while last month’s reading was 42, showing how sharply confidence has faded. Bitcoin ETF assets also fell back to levels last seen shortly after the 2024 U.S. election, according to CoinDesk, as outflows pressured the institutional side of the market. The split screen was sharp: crypto sentiment remained pinned in extreme fear while SpaceX’s record IPO pushed the company toward a near-$2 trillion valuation and pulled tokenized stock products into the spotlight.","SpaceX IPO Puts Tokenized Stock Access in Focus","SpaceX made its Nasdaq debut this week under the ticker SPCX after pricing its record-breaking IPO at $135 per share and raising $75 billion, according to Reuters. The listing valued SpaceX at about $1.77 trillion at pricing and drew major attention from both institutional and retail investors. For crypto markets, the launch also became a test case for tokenized equity access, with exchanges promoting pre-IPO and tokenized stock products around the event. Bybit later said its SpaceX IPO subscription would receive no allocations because xStocks was unable to deliver the underlying assets, with users set to receive full refunds. The episode shows both the demand for tokenized real-world assets and the execution risks that still come with linking crypto platforms to traditional securities markets.","Prediction Markets Face New Rulemaking Push","Prediction markets remained in focus this week as U.S. regulators and platforms moved to address fast-growing activity in event contracts. The CFTC has been advancing a framework for markets tied to real-world outcomes, while Kalshi and Polymarket continue to draw attention as trading expands across politics, economics and other event categories. Rising concern around insider-trading risks and market surveillance as prediction markets move closer to mainstream finance. For digital asset users, the key takeaway is that event contracts are becoming an important market-structure battleground, sitting between derivatives, gambling law and crypto-native trading behavior.","Monday opened with $91.4M in net outflows, led by a $232.9M drawdown from IBIT, while ARKB and FBTC partly offset the weakness with $63.1M and $59.4M in inflows. Tuesday stayed negative at $77.4M in outflows, with IBIT and FBTC again driving most of the pressure while BTC added a small $4.4M inflow. The weakest midweek session came Wednesday, when total outflows reached $213.9M as IBIT lost $148.5M and GBTC lost $87.9M, partly offset by BTC, FBTC and BTCW. Thursday improved but remained negative at $22.5M in outflows, despite IBIT returning to a $30.3M inflow. Overall, Bitcoin ETFs finished the tracked week with $405.2M in net outflows, showing continued pressure across the largest products.","Monday opened with $82.4M in net inflows, led by FETH at $28.6M, ETHB at $26.9M and ETHA at $17.8M, with smaller support from ETH, ETHW, TETH and QETH. Tuesday reversed to $40.9M in outflows, driven by ETHE at $17.4M, ETH at $15.0M and ETHA at $8.5M. The weakest midweek session came Wednesday, when total outflows reached $35.5M as ETHA lost $20.6M and FETH lost $16.6M, partly offset by a small ETHB inflow. Thursday remained negative at $15.9M in outflows, with FETH and ETH weighing on the total while ETHA added $8.6M. Overall, Ethereum ETFs finished the tracked week with a modest $9.9M in net outflows after Monday’s strong inflow was largely erased.","Loan Protocol was the strongest performer on the Metal Pay 7-day chart, rising 22.2% and clearly outpacing the rest of the tracked list. Dogecoin and Cardano also held up well, gaining 7.5% and 6.6%, while Bitcoin, Metal DAO, Ethereum and XPR Network posted mid-single-digit advances after last week’s sharp selloff. The move looks more like a broad relief bounce than a single-token catalyst, with high-beta assets recovering as Bitcoin stabilized near the low-$60,000 range.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---12-june-2026"},"/news-insights/crypto-news---26-june-2026":{"version":1,"title":"Crypto News - 26 June 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Sentiment Stays in Extreme Fear While Metal DAO Reviews New Stablecoins for XMD Basket","keywords":"","h1":["Crypto News - 26 June 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 26, 2026","Crypto markets remained under heavy pressure this week as Bitcoin briefly fell below $59,000 and spot ETF outflows deepened across both Bitcoin and Ethereum funds. The Crypto Fear & Greed Index stood at 13 on June 26, still in “Extreme Fear,” compared with 12 yesterday, 14 last week, and 25 last month. The weakness reflected a broad risk-off move across major tokens, while stablecoins continued to gain relative share as a defensive part of the market. Against that backdrop, Metal DAO opened new governance proposals to evaluate MGUSD, FIDD and SOFID as potential future additions to the Metal Dollar basket, giving MTL holders a direct vote on how XMD evolves as more regulated onchain dollars come to market.","Bank of England Softens Stablecoin Rules","The Bank of England released its final policy framework for sterling-backed stablecoins this week, easing several earlier proposals after industry feedback. The central bank dropped planned individual holding caps and instead set a £40 billion total issuance limit per stablecoin, while also allowing up to 70% of reserves to be held in short-term government debt. The move gives the UK a clearer path for regulated payment stablecoins, although some industry groups still argued the framework remains conservative compared with the US and EU. For payments companies and banks, the update matters because it shows stablecoin regulation is becoming more practical, but still tightly focused on reserve quality, systemic risk, and consumer protection.","Metal DAO Weighs New Stablecoins for XMD Basket","Two new Metal DAO governance proposals are live to evaluate MGUSD, FIDD and SOFID as potential future additions to the Metal Dollar basket. The proposals do not automatically approve or integrate the assets, but they signal the start of a review process around technical, liquidity and compliance requirements. The timing is notable as more financial institutions move toward onchain dollars, creating a risk that stablecoin liquidity becomes fragmented across many issuers, chains and venues. Metal Dollar is designed as a shared basket for regulated digital dollars, with XMD aiming to connect approved stablecoins into one liquidity layer for payments, DeFi, settlement and real-world financial use cases. MTL holders can review the proposals and vote directly through Metal DAO governance using their WebAuth Wallet.","Solana Leads as Treasury Stocks Rally","Solana was the standout large-cap token on Metal Pay this week, gaining 5.5% over seven days while most major crypto assets finished lower. The move came as Solana-focused digital asset treasury stocks also rallied, with The Block reporting that Sol Strategies jumped as much as 22% on Friday while SOL gained about 9% intraday. The rally showed that parts of the market are still willing to reward specific ecosystem narratives, even as broader crypto sentiment remains weak. For users watching token momentum, Solana’s relative strength stood out because it was the only tracked asset in this week’s Metal Pay chart with a positive seven-day return.","Bitcoin Soft Fork Debate Puts Data Storage Back in Focus","A proposed Bitcoin soft fork known as BIP-110 is drawing fresh attention as the network debates whether Bitcoin should more aggressively limit arbitrary data stored in transactions. The draft proposal, authored by Dathon Ohm and listed as a consensus soft fork, would temporarily restrict certain data fields for one year, with supporters arguing it would reduce spam, protect node operators and refocus Bitcoin on monetary use. Critics, including Jameson Lopp, argue the proposal is too risky, could create compatibility issues for some wallets or scripts, and may increase the chance of a contentious chain split if pushed without broad support. The debate matters because it cuts to one of Bitcoin’s oldest tensions: whether block space should be governed mainly by fees, or whether consensus rules should actively discourage non-payment use cases like inscriptions, tokens and large data payloads.","Monday opened with $68.3M in net outflows, led by a $172.0M withdrawal from IBIT and an $81.0M outflow from GBTC, partly offset by inflows into ARKB, FBTC and BTC. Tuesday stayed negative with $113.8M in net outflows as another $182.0M left IBIT, while FBTC and ARKB posted smaller inflows. The weakest midweek session came on Thursday, when Bitcoin ETFs saw $691.7M in net outflows, led by FBTC at $274.5M, IBIT at $265.7M and ARKB at $82.1M. Overall, Bitcoin ETFs finished the tracked week with $1.43B in net outflows, showing continued institutional selling pressure despite a few pockets of issuer-level inflows.","Monday started with $66.1M in net outflows, driven almost entirely by a $66.4M withdrawal from ETHA, with only a small $0.3M inflow into TETH. Tuesday deepened the reversal with $82.4M in net outflows as ETHA lost $86.1M and ETH saw $10.3M leave, partly offset by a $15.7M inflow into FETH. The strongest midweek outflow came on Thursday, when Ethereum ETFs posted $81.9M in net withdrawals, led by ETHA at $63.0M alongside smaller outflows from ETHE, ETHB, FETH and ETH. Overall, Ethereum ETFs ended the tracked week with $273.5M in net outflows, keeping pressure on the asset as ETH lagged most large-cap peers.","Solana was the clear weekly leader, rising 5.5% while every other tracked token finished in negative territory. Loan Protocol held up best among the decliners at -2.6%, followed by Litecoin at -4.3% and Bitcoin at -5.2%, while Ethereum, XRP, Cardano, XPR Network, Dogecoin and Hedera saw steeper weekly losses. The chart reflects a defensive market where relative strength mattered more than broad gains, with Solana standing out as the only tracked asset to post a positive seven-day return.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---26-june-2026"},"/news-insights/crypto-news---5-june-2026":{"version":1,"title":"Crypto News - 5 June 2026 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Slides as Strategy Sale Shakes Treasury Trade","keywords":"","h1":["Crypto News - 5 June 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 5, 2026","Bitcoin fell sharply this week as ETF outflows, weaker sentiment and a rare sale by Michael Saylor’s Strategy pressured the market. Strategy disclosed that it sold 32 bitcoin for about $2.5M between May 26 and May 31, its first disclosed bitcoin sale since 2022, with proceeds expected to help fund preferred stock dividends. The sale was small compared with Strategy’s total holdings, but it carried symbolic weight because the company has been one of the most visible corporate bitcoin accumulators. The Fear & Greed Index snapshot showed a reading of 12, placing crypto sentiment deep in “Extreme Fear,” down from 23 last week and 46 last month. For Metal Pay users, the takeaway is that this week’s selloff was driven by both market flows and confidence: ETF redemptions weakened demand, while Strategy’s sale challenged one of Bitcoin’s strongest institutional narratives.","Major Banks Plan Tokenized Deposit Network","JPMorgan Chase, Bank of America, Citigroup, Wells Fargo and other large U.S. banks are reportedly preparing a shared tokenized deposit network designed to move bank money around the clock. The project would be operated through The Clearing House and is being framed as a bank-led answer to stablecoins and public blockchain payment rails. Unlike stablecoins, tokenized deposits would represent traditional commercial bank deposits while using blockchain-style infrastructure for settlement and treasury use cases. The development is highly relevant for the Metal Pay audience because it shows large banks moving from crypto observation to infrastructure competition, especially around payments, deposits, settlement speed and programmable money.","UK Lawmakers Push Back on Stablecoin Limits","UK lawmakers urged the Bank of England to soften parts of its proposed stablecoin framework, warning that strict holding caps and narrow backing rules could limit the development of a domestic sterling stablecoin market. The House of Lords committee favored a more flexible, principles-based approach as tokenized money markets evolve. The debate highlights a growing policy split between stablecoins, tokenized deposits and central bank digital currency models. For crypto users and financial institutions, the important signal is that stablecoin policy is becoming a mainstream banking issue, not just a crypto-sector debate.","Bitcoin ETF Flows","Bitcoin ETFs opened the week with $483.8M in net outflows on Monday, led by a $440.3M withdrawal from BlackRock’s IBIT, while Fidelity’s FBTC lost $37.3M and Ark’s ARKB lost $12.3M. Tuesday deepened the reversal with another $519.1M leaving the category, again led by IBIT at $388.6M, alongside $83.5M from GBTC and $45.1M from FBTC. Wednesday was the weakest midweek session with $396.6M in outflows, driven by $342.3M from IBIT and $54.3M from FBTC, before Thursday stabilized with a small $3.2M net inflow as IBIT added $47.7M and MSBT added $9.9M. Overall, Bitcoin ETFs finished the reported week down $1.396B, with heavy early-week selling only partially offset by Thursday’s small positive print.","Ethereum ETF Flows","Ethereum ETFs began the week with $44.5M in net outflows on Monday, led by $35.0M from BlackRock’s ETHA and $9.5M from Fidelity’s FETH. Tuesday accelerated the pressure with $90.2M leaving the category, including $44.3M from ETHA, $25.4M from ETH, $15.6M from FETH and $3.9M from ETHE. Wednesday remained weak with $53.0M in net outflows, driven mainly by $51.6M from ETHA, before Thursday delivered the strongest midweek print with a $19.3M net inflow entirely from ETHA. Overall, Ethereum ETFs ended the reported week down $168.4M, with Thursday’s rebound not enough to offset three straight negative sessions.","Top Gainers (Coins Available on Metal Pay)","There were no positive 7-day gainers in this week’s Metal Pay token set, so the chart is best read as a relative resilience table during a broad market downturn. Metal Blockchain held up best, falling 14.3% over seven days while still showing a 1.4% 24-hour bounce at the snapshot. Hedera, Metal DAO and XRP also held up better than the deeper drawdowns in Solana, Ethereum, Loan Protocol and Cardano. The move fits the wider market tone: Bitcoin ETF outflows, weaker sentiment, and “Extreme Fear” conditions weighed on most large-cap and payment-linked crypto assets.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---5-june-2026"},"/news-insights/crypto-news---3-july-2026":{"version":1,"title":"Crypto News - 3 July 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Sentiment Improves but Stays in Extreme Fear","keywords":"","h1":["Crypto News - 3 July 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 3, 2026","Crypto markets ended the week with a modest relief move, but sentiment remained deeply defensive. The Fear & Greed Index stood at 21 on July 3, up from 19 yesterday, 13 last week, and 11 last month, keeping the market in “Extreme Fear” despite a short-term improvement. CoinDesk reported that Bitcoin recovered to around $61,600 after weak U.S. jobs data reduced expectations for a Federal Reserve rate hike, while Ether positioning also rebounded as bearish trades were squeezed. For Metal Pay users, the main takeaway is that momentum has improved from last week’s lows, but the broader market is still being driven by macro data, ETF outflows, and cautious investor positioning.","Citi Cuts Bitcoin and Ether Forecasts as ETF Flows Turn Negative","Citi lowered its 12-month forecasts for Bitcoin and Ether this week, citing weaker investor demand, persistent ETF outflows, and slower progress on U.S. crypto legislation. Reuters reported that the bank cut its Bitcoin target to $82,000 from $112,000 and reduced its Ether forecast to $2,240 from $3,175. Citi also lowered its expected net ETF inflow assumption to zero, reflecting the sharp deterioration in institutional demand during the recent market pullback. The move reinforces how closely major crypto assets are now tied to traditional fund flows, macro risk appetite, and institutional allocation decisions.","Securitize Brings Public Stock Onchain in NYSE Debut","Securitize made its New York Stock Exchange debut this week and launched tokenized versions of its own listed shares on Solana and Avalanche. CoinDesk reported that the tokenized shares represent the same common stock now trading on the NYSE, rather than a synthetic derivative or separate share class, and are available to eligible U.S. investors through Securitize’s regulated platform. The Wall Street Journal reported that Securitize’s stock rose in its debut, while the company’s tokenized equity launch put more than $300 million of public-company market value onchain. The listing gives tokenized securities another high-profile test case as traditional finance continues exploring blockchain settlement and regulated real-world asset infrastructure.","Bitcoin ETFs started the week with $231.0 million in net outflows on Monday, led by a $300.4 million withdrawal from IBIT, while ARKB, GBTC, MSBT, and HODL recorded inflows. Tuesday extended the pressure with another $222.6 million in net outflows, driven by $212.4 million leaving IBIT and $10.2 million leaving FBTC. The weakest midweek session came Wednesday, when funds lost $296.0 million as IBIT, GBTC, FBTC, and ARKB all saw redemptions, before Thursday delivered the strongest day with $223.5 million in net inflows led by FBTC and ARKB. Overall, Bitcoin ETFs finished the tracked week down $526.1 million, showing that institutional demand remained negative despite a late-week bounce.","Ethereum ETFs opened the week with $29.9 million in net outflows on Monday, as ETHB and ETH outweighed smaller inflows into ETHA, FETH, and ETHE. Tuesday stayed negative with $27.6 million in net outflows, entirely from ETHA. The strongest midweek session came Thursday, when funds added $29.0 million behind ETHA, FETH, and ETHV, while Wednesday also turned positive with $14.8 million in net inflows despite outflows from ETH, ETHB, and FETH. Overall, Ethereum ETFs finished the tracked week down just $13.7 million, a much milder result than Bitcoin and a sign that late-week demand helped offset early redemptions.","Cardano led the Metal Pay list this week with a 19.0% gain, followed closely by Solana at 18.3% and Stellar at 16.0%. The strongest performers were mostly large-cap altcoins, helped by the broader late-week relief move as rate-hike fears eased and risk assets recovered. Ethereum also gained 13.2%, while XRP, XPR Network, Litecoin, Bitcoin, Dogecoin, Metal DAO, and Loan Protocol all finished positive. Hedera and Metal Blockchain were the only tracked tokens in the red, showing that the week’s rebound was broad but not universal.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---3-july-2026"},"/news-insights/crypto-news---10-july-2026":{"version":1,"title":"Crypto News - 10 July 2026 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Rebounds and Circle Wins Approval for U.S. Trust Bank","keywords":"","h1":["Crypto News - 10 July 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 10, 2026","Circle received final approval from the Office of the Comptroller of the Currency to establish a federally regulated national trust bank. The charter allows the USDC issuer to custody its own reserves and hold digital assets for institutional clients, although it does not permit traditional deposit-taking or lending. Circle said the new entity will operate under direct OCC oversight, bringing part of its stablecoin infrastructure more firmly into the regulated financial system. The approval marks another step toward closer integration between stablecoins, tokenized assets and traditional financial institutions.","Bitcoin Rebounds as Sentiment Remains in Extreme Fear","Bitcoin climbed to nearly $64,000 on July 10, recovering from a drop below $62,000 and finishing the seven-day period in positive territory. Ethereum also advanced, while most large cryptocurrencies recovered part of their recent losses despite geopolitical tensions, an oil shock and volatility in global bond markets. The Crypto Fear & Greed Index rose to 23, up from 22 the previous day, 21 last week and 9 last month, but remained in “Extreme Fear.” The figures suggest sentiment is gradually improving from June’s lows, although investors remain cautious and the rebound has not yet produced a broader return to risk-taking.","Swift Launches Blockchain Ledger With 17 Banks","Swift launched a blockchain-based shared ledger with 17 banks, including Citi, HSBC, UBS, BNY, Standard Chartered and Wells Fargo. The system is designed to let banks move tokenized funds around the clock, including during weekends, while retaining the compliance and operational controls required by regulators. Swift said the ledger will help separate bank-operated tokenized-payment systems communicate with one another, addressing fragmentation as institutions develop their own digital-asset infrastructure. The initiative also positions the global messaging network to compete with stablecoins and support future uses such as programmable payments and automated agent-led commerce.","U.S. spot Bitcoin ETFs opened Monday with $265.7 million in net inflows, led by BlackRock’s IBIT at $209.4 million, while Grayscale’s GBTC recorded $44.5 million in outflows. Tuesday remained positive at $21.5 million as IBIT’s $54.8 million inflow outweighed withdrawals from Fidelity’s FBTC and ARK 21Shares’ ARKB. Wednesday reversed to $84.9 million in net outflows, followed by the week’s weakest session on Thursday at negative $95.3 million, driven mainly by $63.3 million leaving FBTC and $39.9 million leaving ARKB. Overall, the funds recorded approximately $107 million in net inflows across the four completed sessions, with Monday’s strong demand keeping the period positive.","U.S. spot Ethereum ETFs began Monday with $20.7 million in net inflows, led by BlackRock’s ETHA at $23.3 million despite a small withdrawal from ETHV. Tuesday added another $26.9 million, entirely through ETHA. Wednesday was the strongest session at $70.5 million, driven by $69.2 million for Fidelity’s FETH and $1.3 million for ETHV, before Thursday reversed to $52.2 million in net outflows led by FETH and ETHA. Overall, the funds attracted approximately $65.9 million across the four completed sessions, with the midweek inflow more than offsetting Thursday’s reversal.","Bitcoin was the strongest performer among the tracked Metal Pay assets, gaining 3.2% over seven days as it rebounded toward $64,000. Ethereum followed closely at 3.0%, while Litecoin and XPR Network gained 2.5% and 2.3%, respectively. The remaining assets finished lower, although Metal Blockchain and Loan Protocol limited their declines to 0.3% and 1.6%. Overall, larger assets held up better as the market recovered late in the week, while several altcoins remained below their previous-week levels.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---10-july-2026"},"/news-insights/crypto-news---19-june-2026":{"version":1,"title":"Crypto News - 19 June 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Sentiment Hits Extreme Fear as Strategy Pressure Builds","keywords":"","h1":["Crypto News - 19 June 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jun 19, 2026","Crypto sentiment stayed deep in defensive territory on June 19, with the Alternative.me Fear & Greed Index at 14, down from 15 yesterday but slightly above last week’s 12. The reading remains firmly in Extreme Fear, while last month’s 27 still showed ordinary fear, underscoring how quickly confidence faded through June. The attached ETF tables also show pressure on regulated flows, with bitcoin products losing $227.5M and ether products losing $10.0M across the reporting window. For Metal Pay users, the takeaway is that markets are still liquid, but risk appetite remains selective and cautious.","U.S. Agencies Push Stablecoin ID Rules","U.S. regulators advanced another GENIUS Act implementation step on June 18, with FinCEN, the Fed, OCC, FDIC and NCUA proposing customer identification rules for permitted payment stablecoin issuers. The proposal would treat those issuers more like financial institutions under the Bank Secrecy Act, requiring effective programs to verify customers, keep records and screen against government lists. The proposal is open for a 60-day comment period and raises questions about whether requirements should extend into secondary-market stablecoin activity. The development matters because stablecoins are moving deeper into banking, payments and compliance infrastructure.","Strategy’s STRC Slump Tests the Bitcoin Treasury Trade","Strategy’s preferred stock STRC became one of the week’s most closely watched crypto market stress points after falling below its $100 par value, weakening a key funding channel the company has used to raise capital for bitcoin purchases. CoinDesk reported that STRC hit a record low near $89, prompting Strategy to pause new issuance through its at-the-market program because selling below par would be inefficient. The pressure follows earlier scrutiny after Strategy sold a small amount of bitcoin to help fund preferred dividends, challenging the market’s confidence in its treasury structure. For crypto investors, the story matters because Strategy has been one of bitcoin’s most visible institutional buyers, and any reduction in its buying power can weigh on sentiment during already defensive market conditions.","Bitcoin ETF flows opened with a $64.8M net outflow on Monday, as IBIT’s $66.4M inflow and smaller gains at MSBT and BTC were outweighed by GBTC’s $124.0M outflow. Tuesday reversed to a $10.2M inflow, with IBIT, FBTC, BTC and MSBT positive while GBTC remained the main drag. Thursday was the weakest session, with $90.7M exiting after IBIT lost $96.7M and HODL lost $4.4M, partly offset by MSBT’s $10.4M inflow; Wednesday was also negative at $82.2M. Overall, spot bitcoin ETFs ended the shortened reporting window with a $227.5M net outflow, showing institutional demand remained defensive.","Ethereum ETF flows opened with a $22.5M net inflow on Monday, led by ETHA at $17.6M with smaller contributions from ETHE and ETH. Tuesday stayed positive at $9.6M, as ETHA added $17.3M but FETH, ETHW and ETH saw outflows. Wednesday was the weakest session, with $29.3M exiting across ETHA, FETH, ETHW, TETH, ETHV, ETHE and ETH; Thursday added another $12.8M outflow entirely from ETHA. Overall, spot ether ETFs finished with a modest $10.0M weekly outflow, as early ETHA demand was not enough to offset the midweek reversal.","Hedera led the Metal Pay watchlist this week with a 2.9% gain, followed by Litecoin at 2.3%, Solana at 2.2% and Ethereum at 1.9%. The group shows a defensive but not fully risk-off market: a few large-cap networks managed to hold green while XRP, XPR Network and Bitcoin were only modestly lower. Weakness was more visible further down the list, with Metal Blockchain, Dogecoin and Cardano seeing the largest 7-day declines as broader crypto sentiment stayed in Extreme Fear.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---19-june-2026"},"/news-insights/crypto-news---17-july-2026":{"version":1,"title":"Crypto News - 17 July 2026 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Rebounds as Visa and Citadel Push Further Into Crypto","keywords":"","h1":["Crypto News - 17 July 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 17, 2026","Crypto markets recovered after a difficult start to the week, with Bitcoin briefly reaching a three-week high of $65,200 after softer-than-expected U.S. inflation data reduced expectations for another Federal Reserve rate increase. Ether also climbed to $1,895, its highest level since early June, before both assets gave back part of their gains. The Crypto Fear & Greed Index rose to 27 on July 17, moving into “Fear” from 25 yesterday and 23 last week. Sentiment remains cautious, however, with geopolitical tensions and uneven institutional demand continuing to limit the recovery.","Visa Launches Stablecoin Platform","Visa introduced an enterprise platform this week that gives banks, fintechs and crypto companies one environment for managing stablecoin operations. The Visa Stablecoin Platform supports minting, redeeming, holding and transferring Open USD, along with wallet infrastructure, audit logs, transfer allow lists and dual-approval controls. It is also designed to connect stablecoin activity with Visa’s existing payment, treasury and settlement services. The platform, including its Wallet-as-a-Service offering, is initially available in beta to selected clients, with broader availability expected to be shaped by the results of that testing.","Citadel Invests $400 Million in Crypto.com","Citadel Securities invested $400 million in Crypto.com at a $20 billion valuation, marking the exchange’s first institutional fundraising round since its founding in 2016. Crypto.com said the new capital will support expansion into tokenized securities, derivatives and other asset classes as digital-asset companies broaden into full-service financial platforms. The investment also brings one of the world’s largest traditional market makers deeper into crypto infrastructure. The deal stands out against a weaker market backdrop, with Bitcoin still down nearly 27% this year and the overall crypto market valued at about $2.3 trillion.","Bitcoin ETFs opened Monday with $424.7 million in net outflows, led by $245.6 million from Fidelity’s FBTC, $185.5 million from BlackRock’s IBIT and $53.1 million from Grayscale’s GBTC. Tuesday reversed course with $181.1 million in net inflows, including $138.9 million for IBIT and $21.1 million for FBTC. Wednesday added $107.7 million, led by IBIT at $80.8 million, while Thursday brought another $79.1 million across IBIT, FBTC and Bitwise’s BITB. Despite three consecutive positive sessions after Monday’s selloff, the reporting period ended with $56.8 million in net outflows overall.","Ethereum ETFs began Monday with $15.4 million in net outflows, entirely from Fidelity’s FETH. Tuesday delivered a sharp reversal with $58.3 million in net inflows, all directed to BlackRock’s ETHA. Wednesday added another $53.9 million, led by $45.3 million for ETHA, with smaller contributions from Grayscale’s ETH and Bitwise’s ETHB. Thursday was the weakest midweek session at $28.0 million in net outflows, driven by ETH, FETH and Grayscale’s ETHE. Ethereum funds still finished the reporting period with $68.8 million in net inflows overall.","XPR Network was the strongest performer among the tracked Metal Pay assets, gaining 13.2% over seven days and finishing well ahead of Loan Protocol at 6.0%. Ethereum rose 3.1%, while Metal Blockchain and Litecoin recorded smaller gains and Bitcoin finished flat. The remaining assets declined modestly, with Cardano, Stellar and XRP holding up better than Dogecoin, Metal DAO, Solana and Hedera.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---17-july-2026"},"/news-insights/crypto-news---24-july-2026":{"version":1,"title":"Crypto News - 24 July 2026 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Rebounds, but Sentiment Stays in Fear","keywords":"","h1":["Crypto News - 24 July 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 24, 2026","Bitcoin climbed above $66,000 on July 21, reaching a one-month high as semiconductor shares rebounded and U.S. spot ETF demand improved. By July 23, it had settled back near $65,000 after failing to hold above resistance, while the supplied seven-day chart showed BTC almost flat for the week. The Crypto Fear & Greed Index stood at 28 on July 24, still in “Fear,” compared with 31 yesterday, 27 last week and 17 last month. Sentiment has improved from June’s extremes, but subdued trading volumes show investors remain cautious ahead of the Federal Reserve meeting.","Senate Unveils Landmark Crypto Bill","U.S. Senate Republicans unveiled the long-awaited Clarity Act text on July 22 as lawmakers raced to act before the August recess. The bill would ban rewards on idle stablecoin balances while allowing transaction-based rewards, and would place digital-asset exchanges, brokers and dealers under Bank Secrecy Act requirements. It also proposes lighter SEC registration requirements for some token fundraising and defines when DeFi platforms remain decentralized. The measure still needs at least eight Democratic votes to advance, so its passage remains uncertain despite the release of detailed legislative text.","Uniswap Adds Permissioned Trading Pools","Uniswap Labs introduced Permissioned Pools on July 23, creating onchain markets for regulated funds, equities and other tokenized assets. The framework lets issuers restrict trading and liquidity deposits to approved wallets while continuing to use Uniswap’s automated market-making infrastructure. Securitize, Superstate and European digital-securities platform Dowgo are among the launch partners. By moving investor-eligibility checks directly into Uniswap v4 pools, the system gives institutions a way to access onchain liquidity while retaining the controls required for regulated securities.","Bitcoin ETFs opened Monday with $226.8 million in net inflows, led by BlackRock’s IBIT at $116.5 million and ARKB at $72.7 million, despite a $45.4 million outflow from GBTC. Tuesday brought another $203.2 million, with IBIT contributing $163.9 million and Fidelity’s FBTC adding $23.1 million. Wednesday remained positive at $69.1 million, while Thursday reversed sharply with $225.1 million in net outflows, driven primarily by $202.5 million leaving IBIT. Despite the late reversal, the funds recorded an overall net inflow of $274.0 million for the week.","Ethereum ETFs began Monday with $38.0 million in net inflows, led by BlackRock’s ETHA at $34.3 million. Tuesday added $37.5 million as ETHA’s $52.8 million inflow outweighed a $15.3 million withdrawal from Fidelity’s FETH. Wednesday was the strongest session at $72.7 million, led by ETHA and FETH, while Thursday remained positive at $26.3 million with contributions from ETHA, ETHB and FETH. Ethereum funds finished the week with $174.5 million in net inflows and recorded a positive result on every reported session.","Hedera led the tracked Metal Pay assets with a 7.7% weekly gain as buying rotated selectively into several altcoins. Litecoin gained 2.6%, while Ethereum and XPR Network remained modestly positive at 0.9% and 0.5%, respectively. Bitcoin was nearly unchanged, but most other tracked assets finished lower, showing that the broader recovery remained uneven despite improving ETF demand.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---24-july-2026"},"/news-insights/crypto-news---14-august-2026":{"version":1,"title":"Crypto News - 14 August 2026 — Metal Pay - Crypto, The Right Way.","description":"U.S. Crypto Rules Face New Delays as Tether Completes First Full Audit","keywords":"","h1":["Crypto News - 14 August 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 14, 2026","Crypto markets ended the week under pressure, with Bitcoin near $62,600 after erasing the previous week’s gains. The Crypto Fear & Greed Index read 29 on August 14, remaining in “Fear” and unchanged from yesterday and last week, though above last month’s reading of 25. U.S. spot Bitcoin ETFs recorded $329.0 million in net outflows from Monday through Thursday, while Ether funds were nearly flat with a $3.0 million net outflow. Solana was the only coin in the Metal Pay chart to post a seven-day gain. Overall, the market remains defensive, although sentiment has improved slightly from last month’s “Extreme Fear.","Tether Completes First Full Audit","Tether said KPMG U.S. completed the first full independent audit of the stablecoin issuer’s financial statements, marking a major step beyond its previous reserve attestations. KPMG issued an unqualified opinion covering the year ended December 31, 2025, while Tether said its reserves exceeded liabilities by $6.8 billion. The review examined transactions, valuations, counterparties, ownership records and supporting evidence, including a physical count of Tether’s gold holdings. However, the audited statements were not released publicly. The milestone could help Tether address longstanding questions about the reserves supporting approximately $183 billion of USDT in circulation.","U.S. Crypto Rulemaking Faces Fresh Delays","U.S. crypto rulemaking made procedural progress this week but ended with two important decisions pushed back. On August 8, Senate Majority Leader John Thune initiated a process that could bring the CLARITY Act to a key vote when lawmakers return in September, although the Senate entered its recess without passing the bill. The legislation would define when tokens are securities or commodities and divide oversight between federal regulators. Separately, the SEC canceled an August 14 meeting on a proposed offering framework for crypto investment contracts, citing an unforeseen scheduling issue. No replacement date was announced.\"","Monday opened with $144.6 million in net outflows, led by $53.6 million from BlackRock’s IBIT, $52.0 million from Grayscale’s GBTC and $40.3 million from Fidelity’s FBTC, partly offset by $37.1 million into Grayscale’s BTC. Tuesday reversed to a modest $7.8 million inflow as IBIT added $50.2 million, outweighing withdrawals from Franklin Templeton, Ark/21Shares and VanEck. Wednesday returned to a $61.1 million outflow, driven by $46.8 million from FBTC and $14.3 million from IBIT. Thursday weakened further with $131.1 million leaving the funds as ARKB, FBTC and GBTC led redemptions, despite $38.9 million entering BTC. Overall, spot Bitcoin ETFs recorded $329.0 million in net outflows for the week.","Monday opened with $14.6 million in net outflows as $23.8 million left BlackRock’s ETHA, partly offset by $8.6 million into Grayscale’s ETH and $3.9 million into BlackRock’s ETHB. Tuesday remained slightly negative at $1.7 million, with a $2.3 million withdrawal from Fidelity’s FETH outweighing a $0.6 million ETHA inflow. Wednesday delivered the week’s strongest result with a $7.4 million net inflow, entirely through ETHA. Thursday added another $5.9 million as Grayscale’s ETH attracted $6.5 million, offset slightly by a $0.6 million ETHA outflow. Overall, spot Ethereum ETFs finished nearly flat with $3.0 million in net outflows.","Solana led the Metal Pay chart with a 2.0% weekly gain and was the only tracked asset to finish in positive territory. Stellar and Dogecoin held closest to flat, declining 0.8% and 0.9%, respectively, while Ethereum, XRP and Litecoin each limited their losses to 3.3%. The results show that a small group of larger-cap tokens held up better as Bitcoin fell 4.0% and broader market sentiment remained cautious.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---14-august-2026"},"/news-insights/crypto-news---31-july-2026":{"version":1,"title":"Crypto News - 31 July 2026 — Metal Pay - Crypto, The Right Way.","description":"Crypto Sentiment Returns to Extreme Fear","keywords":"","h1":["Crypto News - 31 July 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Jul 31, 2026","Crypto markets ended July cautiously, with Bitcoin falling toward $63,000 and Ether slipping below $1,900 on July 31. The Crypto Fear & Greed Index stood at 25, returning to “Extreme Fear” from 28 yesterday and last week, although sentiment remained stronger than last month’s reading of 11. The Federal Reserve kept interest rates at 3.5%–3.75% on July 29, but its divided 9–3 vote and hawkish tone reduced expectations for near-term cuts. Bitcoin initially held near $64,000 before weakening as investors continued to favor equities over crypto. The combined signals point to fragile confidence despite July’s broader market recovery.","BNY Moves Fund Records Onto Blockchain","BNY launched digital transfer-agency capabilities this week, bringing blockchain infrastructure into a fund-servicing business covering approximately $8.6 trillion in assets and 7.6 million investor accounts. The system is designed to support tokenized funds across multiple jurisdictions and blockchains while operating alongside BNY’s traditional infrastructure. Baillie Gifford is using the service for what the companies describe as the first fully native, regulated tokenized fund in the United Kingdom, with BlackRock and BNY’s Dreyfus unit expected to follow. The rollout shows blockchain moving deeper into the record-keeping systems used by major financial institutions rather than remaining limited to cryptocurrency trading.","Coinbase Posts Third Straight Quarterly Loss","Coinbase reported its third consecutive quarterly loss on July 30 as weaker crypto prices and slower trading activity continued to pressure the exchange. Transaction revenue fell 21% from a year earlier to $599 million, while the company recorded a net loss of $359.5 million. Subscription and services revenue declined 12.2% to $555.1 million, although Coinbase continued expanding into stablecoins, prediction markets and regulated derivatives. The company also reached a record 10.3% share of crypto trading and said 88% of net revenue now comes from activities other than Bitcoin spot trading, showing how it is trying to become less dependent on market cycles.","Bitcoin ETFs opened Monday with $11.6 million in net outflows, led by $8.8 million from BlackRock’s IBIT and $2.8 million from Fidelity’s FBTC. Tuesday’s outflows widened to $49.7 million as IBIT lost $54.8 million, partly offset by a $5.1 million inflow into Grayscale’s BTC. Wednesday reversed to a $32.1 million inflow before Thursday delivered the strongest result at $233.1 million, led by $183.4 million into IBIT, $20.7 million into Bitwise’s BITB and $15.5 million into FBTC. Overall, the funds recorded $203.9 million in net inflows from Monday through Thursday, with the late-week rebound outweighing the cautious start.\"","Ethereum ETFs began Monday with $11.7 million in net inflows, entirely led by BlackRock’s ETHA. Tuesday added another $9.4 million, with $5.9 million entering BlackRock’s ETHB and $3.5 million entering ETHA. Wednesday was the weakest day at $32.9 million in net outflows, driven by $16.1 million from Fidelity’s FETH, $9.7 million from Grayscale’s ETHE and $8.1 million from Grayscale’s ETH, before Thursday recovered with a $12.8 million inflow led by ETHA. Overall, the funds finished Monday through Thursday almost flat at approximately $1 million in net inflows, showing mixed institutional demand.","Loan Protocol led the tracked Metal Pay market with an 8.9% weekly gain, followed by XPR Network at 4.2%. Cardano gained 2.0%, while Dogecoin and Ethereum remained slightly positive despite Bitcoin falling 2.2% and broader sentiment returning to Extreme Fear. The performance showed selective strength in smaller ecosystem tokens even as most large-cap assets struggled to maintain their midweek gains.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---31-july-2026"},"/tv":{"version":1,"title":"Metal Pay TV","description":"Watch videos, announcements, and crypto education from Metal Pay.","keywords":"","h1":[],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":[],"codeblock":[],"url":"/tv"},"/news-insights/crypto-news---7-august-2026":{"version":1,"title":"Crypto News - 7 August 2026 — Metal Pay - Crypto, The Right Way.","description":"Coldcard Losses Reach $120 Million as Fear Eases","keywords":"","h1":["Crypto News - 7 August 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 7, 2026","Losses from the ongoing Coldcard wallet exploit climbed to roughly $120 million this week, raising fresh questions about hardware-wallet security and prompting users to move funds. The activity pushed Bitcoin’s mempool backlog above 89,000 transactions on Tuesday, its highest level since February 2025, while active addresses and large-holder transfers also increased. Bitcoin nevertheless held near $65,000 by August 7 instead of extending the earlier selloff. The Crypto Fear & Greed Index improved to 29, or “Fear,” from 25 yesterday and last week and 20 last month, showing that sentiment remains cautious but has recovered from “Extreme Fear.”","BlackRock Expands Tokenized Money-Market Funds","BlackRock expanded its tokenized cash platform on August 3 with an Ethereum-based share class of an existing Treasury money-market fund and a new multichain stablecoin reserve vehicle. Both products are intended to qualify as reserve assets for permitted U.S. payment-stablecoin issuers under the GENIUS Act. A day later, the asset manager unveiled 12 tokenized share classes across six European money-market funds with a combined $311 billion in assets under management. The sterling, euro and dollar products use JPMorgan’s Kinexys platform and are aimed at corporate treasurers and other institutional cash managers.","Senate Pushes CLARITY Act Vote to September","The U.S. Senate will not vote on the Digital Asset Market Clarity Act before its August recess, pushing the next possible action into September. Senators are due to return on September 14, leaving a short window before the midterm elections to resolve the bill. CoinDesk reported that disagreements remain around an ethics provision covering President Trump’s crypto interests, law-enforcement language, agriculture provisions and stablecoin rewards. Because the bill needs 60 votes and may not yet have 50, the delay reduces the odds of a comprehensive U.S. crypto market-structure law passing this year.","Bitcoin ETFs opened Monday with $170.1 million in net inflows, led by BlackRock’s IBIT at $111.4 million and Fidelity’s FBTC at $33.4 million. Inflows accelerated to $211.5 million on Tuesday, with IBIT contributing $170.3 million. Wednesday was the strongest session at $244.4 million, driven by $196.8 million for IBIT and $37.6 million for ARKB, despite a $14.7 million HODL outflow. Thursday slowed to $9.3 million as HODL lost $32.8 million, offset by $14.9 million for MSBT and $11.2 million for FBTC. Overall, the funds collected $635.3 million across the reported sessions, showing a strong return of institutional demand.","Ethereum ETFs began Monday with $11.9 million in net outflows, as $9 million left ETHA and $7.8 million left ETHE, partly offset by $5.8 million for ETHB. Flows reversed sharply on Tuesday with $53.1 million in inflows, led by $42.5 million for ETHA and $9.3 million for FETH. Wednesday was the strongest session at $60.8 million, with ETHA adding $50.3 million and ETHB receiving $4.9 million. Thursday remained positive at $9 million, led by $4.5 million for ETH and $3.1 million for ETHE. Overall, Ethereum funds attracted $111 million across the reported sessions, recovering quickly from Monday’s weakness.","Cardano was the clear seven-day leader, rising 18.6%. CoinDesk linked ADA’s move to aggressive buying, record futures positioning and ecosystem progress involving Leios, Hydra, Mithril and Pyth integration, although the shrinking holder base suggests the rally remained relatively concentrated. Bitcoin, Ethereum, Litecoin, Metal Blockchain and Solana also finished positive, while Dogecoin through Stellar posted comparatively modest weekly losses. Overall, the results point to a selective recovery rather than a broad altcoin rally.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---7-august-2026"},"/news-insights/crypto-news---21-august-2026":{"version":1,"title":"Crypto News - 21 August 2026  — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Surges as U.S. Crypto Rulemaking Accelerates","keywords":"","h1":["Crypto News - 21 August 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 21, 2026","Bitcoin staged its strongest weekly advance in roughly two and a half years, climbing toward $80,000 as the U.S. Treasury expanded long-dated bond buybacks and spot ETF demand returned. The rebound spread across major tokens, with Ethereum and XRP also posting sharp gains as liquidity expectations improved. The attached Crypto Fear & Greed Index jumped to 72, firmly in “Greed.” That compares with 62 yesterday, 29 last week and 33 last month, showing how quickly sentiment reversed from fear. The move is constructive, but high bond yields and geopolitical risk remain important market headwinds.","SEC Proposes New Crypto Offering Rules","The SEC proposed “Regulation Crypto Assets” on August 18, opening a formal rulemaking process for token-based fundraising. The proposal would create a startup exemption for offerings of up to $5 million over four years and a second exemption allowing up to $75 million during a 12-month period, subject to disclosures and reporting. It also proposes a safe harbor that could let a crypto asset move outside securities-law treatment once promised managerial efforts have ended. Comments are open for 60 days. A day later, President Trump urged Congress to keep moving the separate Clarity Act.","Treasury Advances GENIUS Stablecoin Rules","The U.S. Treasury on August 17 proposed part of the GENIUS Act stablecoin framework, focusing on when payment stablecoins are considered issued, offered or sold in the United States. The proposal would help determine which issuers and distributors fall under U.S. licensing rules as the law moves toward implementation. Under the GENIUS Act, entities generally cannot issue payment stablecoins in the U.S. without a federal or state license once the regime takes effect. Treasury opened a 60-day public comment period. For users, the practical issue is which dollar stablecoins can legally reach U.S. customers and through which regulated issuers.","Bitcoin ETFs opened the week with $297.5 million in net inflows on Monday, led by BlackRock’s IBIT at $160.2 million and Fidelity’s FBTC at $111.9 million. Tuesday stayed positive at $189.3 million, with IBIT adding $143.6 million and FBTC $23.9 million, partly offset by a $16.9 million outflow from VanEck’s HODL. Wednesday accelerated to $517.2 million, led by IBIT with $284.7 million, ARKB with $77.7 million and FBTC with $62.4 million. Thursday was the strongest session at $606.3 million, driven by $503.0 million into IBIT and $64.7 million into FBTC. Overall, spot Bitcoin ETFs took in $1.61 billion for the week, marking a sharp return of institutional demand.","Ethereum ETFs started the week with $30.9 million in net inflows on Monday, led by BlackRock’s ETHA at $25.9 million and Fidelity’s FETH at $4.3 million. Tuesday strengthened to $71.4 million, with ETHA contributing $64.7 million and smaller inflows spread across several funds. Wednesday climbed to $186.8 million, led by ETHA at $122.1 million, FETH at $36.5 million and Grayscale’s ETH at $16.0 million. Thursday was the strongest session at $219.5 million, driven by $173.3 million into ETHA and $35.9 million into BlackRock’s staked ETHB fund. Overall, spot Ethereum ETFs attracted $508.6 million for the week, with BlackRock products accounting for most of the inflows.","XRP was the strongest performer in the Metal Pay basket, up 37.8% over seven days, with Ethereum next at 28.9%. Metal Blockchain and Metal DAO gained 24.1% and 23.4%, while Bitcoin, Solana, Dogecoin, Cardano and Loan Protocol all rose more than 20%. The move was part of a broad risk-on rebound tied to improved liquidity expectations, renewed ETF inflows and friendlier U.S. crypto policy signals. XRP also led trading activity on South Korea’s largest exchanges as local crypto volumes surged. Even the weakest name in the group, Hedera, still gained 17.3%.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---21-august-2026"},"/news-insights/crypto-news---4-september-2026":{"version":1,"title":"Crypto News - 4 September 2026 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin rebounds as Fed fears ease","keywords":"","h1":["Crypto News - 4 September 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 4, 2026","Bitcoin pushed above $81,000 on September 4 after Federal Reserve Governor Christopher Waller said he would favor holding rates steady if inflation continued to cool, easing rate-hike fears and lifting crypto alongside equities. Thursday also brought a $730.8 million net inflow into U.S. spot Bitcoin ETFs, led by BlackRock’s IBIT. The Fear & Greed Index reached 74, or “Greed,” up from 65 a day earlier and 27 a month ago. Stronger-than-expected U.S. payrolls later revived some rate-hike risk and Bitcoin eased back below $80,000. The week ended with risk appetite improved, but still sensitive to Federal Reserve expectations.","Wall Street banks plan joint dollar stablecoin","A coalition of 21 financial institutions, including Goldman Sachs, Bank of America, Citi and Deutsche Bank, announced plans on September 1 to create a company this year and issue a U.S. dollar-pegged stablecoin in the first half of 2027. The group also intends to expand into other G7 currencies, with a euro token a priority. It will compete with Qivalis, a separate 37-member consortium preparing a euro stablecoin. Bank-issued stablecoins still have limited adoption compared with incumbents such as Tether. The plan nevertheless marks another significant move by major banks toward blockchain-based money and settlement.","Coinbase seeks approval for equity perps","Coinbase filed registration documents with the U.S. Securities and Exchange Commission on September 3 seeking approval to offer equity perpetual contracts. Perpetuals track an underlying asset without an expiry date, allowing positions to stay open without rolling into a new contract. Chief Policy Officer Faryar Shirzad said the product would require Commodity Futures Trading Commission approval next and described it as a potential regulated pathway for U.S. investors. Coinbase already received CFTC approval earlier this year to offer perpetual crypto futures. If approved, equity perps would broaden the exchange beyond digital assets and test how U.S. regulators handle crypto-style market structure.","Monday opened with $216.7 million in net inflows, led by BlackRock’s IBIT at $205.9 million, while Fidelity’s FBTC added $6.9 million. Tuesday reversed to $236.5 million in net outflows as IBIT shed $201.2 million and FBTC lost $43.7 million, partly offset by $8.4 million into Bitwise’s BITB. Wednesday returned to $101.1 million in net inflows, led by $115.4 million into IBIT despite $56.2 million leaving GBTC, before Thursday surged to a week-high $730.8 million as IBIT added $454.0 million, ARKB $137.7 million and FBTC $74.4 million. Overall, the week finished with $812.1 million in net inflows, with BlackRock driving most of the positive momentum.","Monday opened with $87.6 million in net inflows, led by BlackRock’s ETHA at $59.9 million, while Grayscale’s ETH added $13.5 million. Tuesday remained positive at $8.6 million as ETHB brought in $11.2 million and FETH added $4.8 million, offset by $7.4 million leaving ETHE. Wednesday was the weakest session at $48.2 million in net outflows, with ETHA losing $53.4 million, FETH $26.2 million and ETHE $23.5 million despite $52.9 million flowing into ETHB, before Thursday rebounded to $141.4 million led by ETHA at $72.1 million and FETH at $65.1 million. Overall, Ethereum ETFs finished the week with $189.4 million in net inflows.","Cardano led the Metal Pay list with a 4.9% seven-day gain, followed by Metal DAO at 3.0%, Litecoin at 2.8% and Bitcoin at 2.2%. Hedera, XRP, Ethereum and Stellar also remained positive for the week, even as most of the tracked assets were lower over the latest 24-hour period. The result shows that the late-week market rebound was enough to keep several major assets in positive territory despite a volatile start to September.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---4-september-2026"},"/how-to-buy/xrp":{"version":1,"title":"How To Buy XRP (XRP) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy XRP on Metal Pay using your debit or credit card, from downloading the app to completing your first XRP purchase.","keywords":"","h1":["How To BuyXRP (XRP)"],"h2":["Buy XRP using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","XRP is the native digital asset of the XRP Ledger, an open-source, peer-to-peer network for moving and exchanging value. The ledger uses small amounts of XRP for transaction costs, which are destroyed rather than paid to a validator, and requires XRP reserves for accounts and certain ledger objects. XRP can also serve as a bridge asset when exchanging issued currencies on the ledger.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy XRP","Step 5","Find XRP on Marketplace","From the home screen, select the Crypto Card","Find XRP on the Marketplace","Select XRP","You can view the current price, and adjust chart metrics","Step 6","Buy XRP with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $XRP amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased XRP","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/xrp"},"/news-insights/crypto-news---28-august-2026":{"version":1,"title":"Crypto News - 28 August 2026 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Reclaims $80,000 as Risk Appetite Returns","keywords":"","h1":["Crypto News - 28 August 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Aug 28, 2026","Bitcoin Reclaims $80,000 as Risk Appetite Returns","Bitcoin pushed above $80,000 on Aug. 25, touching $81,237.94, its highest level since mid-May, as a softer U.S. dollar and renewed demand for hard assets lifted crypto markets. Reuters reported Bitcoin was up 28% for August at the time, putting it on track for its strongest month since November 2024. The move coincided with steady spot ETF demand, with U.S. Bitcoin funds recording positive net flows through Thursday. Market sentiment also improved sharply: the Crypto Fear & Greed Index stood at 73, or “Greed,” on Aug. 28, versus 71 yesterday, 72 last week and 29 last month.","SEC Advances New Crypto Custody Rules","A proposal from the U.S. Securities and Exchange Commission to update crypto custody rules for investment advisers was sent to the White House for regulatory review this week. The Office of Information and Regulatory Affairs is reviewing the changes before the SEC can advance the proposal. The SEC says the rulemaking is intended to clarify how advisers and investment companies can hold digital assets for clients while modernizing outdated custody provisions. The step is part of a broader shift toward more explicit federal rules for digital assets, which could give traditional financial firms clearer operating standards.","Shinhan and Visa Test Stablecoin Banking Rails","South Korea's Shinhan Financial Group signed a strategic agreement with Visa on Aug. 26 to test stablecoin and next-generation payment services. Shinhan said it will use Visa's stablecoin platform to verify issuance, remittance and redemption processes and jointly design a Korea-specific business model. The firms also plan to explore stablecoins in card payments, AI-based payment systems, and B2B and B2C services. The partnership is another sign that banks and global payment networks are moving from stablecoin research toward practical settlement and payment pilots, particularly in Asia.","Monday opened with $337.6 million in net inflows, led by BlackRock's IBIT at $208.9 million and Fidelity's FBTC at $104.6 million. Tuesday followed with another $314.3 million in net inflows, with IBIT contributing $284.4 million and FBTC $15.4 million. Wednesday was the week's weakest session at $232.2 million, as IBIT added $200.8 million and Grayscale's BTC Mini Trust $46.8 million while GBTC saw $50.4 million in outflows. Thursday recovered slightly to $242.3 million, led by $277.6 million into IBIT, partly offset by $83.6 million of FBTC outflows and $27.2 million from GBTC. Overall, Bitcoin ETFs attracted $1.126 billion in net inflows from Monday through Thursday, with IBIT accounting for most of the demand.","Monday opened with $115.6 million in net inflows, led by BlackRock's ETHA at $90.9 million and Grayscale's ETH Mini Trust at $12.5 million. Tuesday accelerated to $179.8 million in net inflows, with ETHA contributing $146.4 million and Fidelity's FETH $25.8 million. Wednesday strengthened further to $192.4 million, led by $115.7 million into ETHA, $34.7 million into Grayscale's ETH Mini Trust and $32.0 million into FETH. Thursday was the strongest session at $225.8 million, with ETHA adding $130.2 million, FETH $56.2 million and ETHB $20.7 million. Overall, Ethereum ETFs attracted $713.6 million in net inflows from Monday through Thursday, with ETHA contributing $483.2 million of the total.","Solana led the group with a 16.0% weekly gain, clearly outperforming the rest of the tracked Metal Pay assets. Late in the week, Charles Schwab said it plans to add SOL to its crypto trading platform in the coming months, while the broader market also benefited from Bitcoin's rebound above $80,000. Metal Blockchain (+5.8%) and Ethereum (+5.3%) followed, with Dogecoin (+3.7%) and XRP (+3.1%) also finishing the week higher. The result was a broad but uneven risk-on week, with Solana capturing most of the upside momentum.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---28-august-2026"},"/news-insights/crypto-news---11-september-2026":{"version":1,"title":"Crypto News - 11 September 2026 — Metal Pay - Crypto, The Right Way.","description":"Bitcoin Retreats as Crypto Greed Cools","keywords":"","h1":["Crypto News - 11 September 2026"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Sep 11, 2026","Bitcoin was down 3.1% over seven days at $77,327 in Friday's Metal Pay snapshot, while ether gained 2.9% to $2,532. The September 11 inflation report showed U.S. core prices rising 0.3% in August, above the 0.2% forecast, keeping a possible Federal Reserve rate increase in focus. Alternative.me's Fear & Greed Index registered 56, still in 'Greed' territory. That was down from 69 a day earlier and 74 a week earlier, an 18-point weekly decline. Together, the figures show cooling enthusiasm and uneven performance rather than a market-wide rebound.","Senate Revises Clarity Act as Disputes Persist","Senate Republicans released a revised Clarity Act on September 10, updating proposed crypto rules without resolving the bill's main political disputes. The draft would require certain centrally controlled trading protocols to register with the Commodity Futures Trading Commission and clarifies how credit unions can conduct digital-asset activities. Banks continued pressing for tighter restrictions on stablecoin rewards, warning of competition with customer deposits. Disagreements over money-laundering safeguards and officials' crypto-related conflicts of interest also remained. The draft was not law as of September 11, and advancing it still required a 60-vote coalition in the Senate.","Liquid Resumes Transactions After $320 Million Exploit","Liquid Network resumed transactions on September 10 after an exploit drained roughly 4,000 bitcoin, worth about $320 million when reported, from its reserves on September 6. Around 3,400 BTC was returned on September 7, but approximately 598.5 BTC remained outstanding as of Friday. Blockstream said on September 11 that it would not pay a ransom for the remaining funds. Withdrawals from Liquid back to Bitcoin remained disabled while recovery continued. Liquid said the flaw was in its underlying software and that network operators had not been hacked or had their keys compromised.","The previous Friday brought $174.6 million in net inflows, led by BlackRock's IBIT ($117.4 million) and Fidelity's FBTC ($57.2 million). Tuesday reversed to $46.6 million in outflows, with Grayscale's GBTC losing $65.5 million despite smaller inflows elsewhere. Wednesday's outflows deepened to $120.2 million, including $78.0 million from ARK 21Shares' ARKB. Thursday was the weakest reported session at $282.7 million in outflows, led by ARKB ($164.3 million) and GBTC ($36.4 million). Overall, Bitcoin ETFs recorded $449.5 million in net outflows across this week's reported sessions through Thursday, with redemptions increasing each day; Friday's total remains TBD.","The previous Friday recorded $25.9 million in net inflows, as BlackRock's ETHA ($57.8 million) and ETHB ($16.4 million) outweighed $48.3 million leaving Fidelity's FETH. Tuesday reversed to $24.3 million in outflows, led by Grayscale's ETH ($24.6 million) and ETHE ($9.6 million), partly offset by FETH's $9.9 million inflow. Wednesday rebounded with $34.7 million in inflows, led by ETHB ($22.9 million) and ETHA ($9.7 million). Thursday was the weakest reported session at $29.9 million in outflows, as withdrawals from FETH ($25.2 million) and ETHA ($18.6 million) outweighed inflows elsewhere. Overall, Ethereum ETFs recorded $19.5 million in net outflows through Thursday, with Wednesday's recovery insufficient to offset the other sessions; Friday's total remains TBD.","Metal DAO (MTL) led the tracked tokens with a 6.5% weekly gain, followed by Litecoin at 5.6%. Ethereum (+2.9%), Metal Blockchain (+2.1%) and Solana (+0.6%) also finished the seven-day snapshot higher, while Dogecoin (-0.6%) and Stellar (-0.7%) held up best among the decliners. Bitcoin fell 3.1%, XPR Network lost 4.4% and Loan Protocol dropped 11.7%, leaving five of the 13 tracked tokens in positive territory.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/news-insights/crypto-news---11-september-2026"},"/how-to-buy/cardano":{"version":1,"title":"How To Buy Cardano (ADA) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Cardano (ADA) on Metal Pay using your debit or credit card, from downloading the app to completing your first Cardano purchase.","keywords":"","h1":["How To BuyCardano (ADA)"],"h2":["Buy Cardano using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Cardano is a proof-of-stake blockchain for transactions, applications, and native digital assets. ADA is its principal currency: the network uses it for transaction fees, deposits, and protocol rewards. ADA holders can also delegate their stake to a stake pool, contributing to block production without transferring ownership of their funds, while Cardano’s ledger supports additional native tokens.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image2. Select the Payment Methods tab3. Select + in the top rightSelect Debit or Credit CardEnter card details + addressYou are now ready to buy Cardano","Step 5","Find Cardano on Marketplace","From the home screen, select the Crypto CardFind Cardano on the MarketplaceSelect CardanoYou can view the current price, and adjust chart metrics","Step 6","Buy Cardano with Metal Pay","Click the Buy buttonChoose the amount you would like to purchaseYou can choose a $USD or $ADA amount using the arrowsSelect One time purchase, or set up an automatic buyChoose your preferred payment method","Step 7","Finalize purchase","Select ReviewReview all of the purchase details for accuracyConfirm your transaction by selecting BuyCongratulations you have successfully purchased Cardano","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/cardano"},"/how-to-buy/usdt":{"version":1,"title":"How To Buy USDT (USDT) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy USDT on Metal Pay using your debit or credit card, from downloading the app to completing your first USDT purchase.","keywords":"","h1":["How To BuyUSDT (USDT)"],"h2":["Buy USDT using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Tether USDt (USDT) is a stablecoin issued by Tether and designed to track the value of the US dollar. Tether reports that issued tokens are backed by its reserves, and USDT is available on multiple supported blockchains rather than one single network. Users should always match the selected USDT network with the receiving wallet or service before making an external transfer.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy USDT","Step 5","Find USDT on Marketplace","From the home screen, select the Crypto Card","Find USDT on the Marketplace","Select USDT","You can view the current price, and adjust chart metrics","Step 6","Buy USDT with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $USDT amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased USDT","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/usdt"},"/how-to-buy/usdc":{"version":1,"title":"How To Buy USDC (USDC) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy USDC on Metal Pay using your debit or credit card, from downloading the app to completing your first USDC purchase.","keywords":"","h1":["How To BuyUSDC (USDC)"],"h2":["Buy USDC using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","USDC is a digital dollar issued by Circle and available natively on multiple supported blockchains. It is designed to be redeemable one-for-one for US dollars and is backed by cash and highly liquid cash-equivalent reserve assets. Because USDC exists on several networks, users should confirm that the receiving wallet and selected transfer network support the same native USDC implementation before sending it.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy USDC","Step 5","Find USDC on Marketplace","From the home screen, select the Crypto Card","Find USDC on the Marketplace","Select USDC","You can view the current price, and adjust chart metrics","Step 6","Buy USDC with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $USDC amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased USDC","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/usdc"},"/how-to-buy/solana":{"version":1,"title":"How To Buy Solana (SOL) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Solana (SOL) on Metal Pay using your debit or credit card, from downloading the app to completing your first Solana purchase.","keywords":"","h1":["How To BuySolana (SOL)"],"h2":["Buy Solana using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Solana is a public blockchain built to support applications, payments, and digital assets at high throughput. SOL is the network’s native token. It is used to pay transaction fees and can be delegated to validators that participate in network consensus. Developers deploy programs, Solana’s term for smart contracts, which operate on data stored in separate on-chain accounts.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Solana","Step 5","Find Solana on Marketplace","From the home screen, select the Crypto CardFind Solana on the MarketplaceSelect SolanaYou can view the current price, and adjust chart metrics","Step 6","Buy Solana with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $SOL amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Solana","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/solana"},"/how-to-buy/stellar":{"version":1,"title":"How To Buy Stellar (XLM) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Stellar (XLM) on Metal Pay using your debit or credit card, from downloading the app to completing your first Stellar purchase.","keywords":"","h1":["How To BuyStellar (XLM)"],"h2":["Buy Stellar using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Stellar is an open-source public network designed for payments and the issuance and exchange of digital assets. Its native asset is the lumen (XLM). XLM is used to pay network transaction fees and meet account and ledger-entry balance requirements, helping limit spam and excessive ledger growth. Other assets can also be issued and transferred directly on the Stellar network.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Stellar","Step 5","Find Stellar on Marketplace","From the home screen, select the Crypto Card","Find Stellar on the Marketplace","Select Stellar","You can view the current price, and adjust chart metrics","Step 6","Buy Stellar with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $XLM amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Stellar","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/stellar"},"/how-to-buy/loan":{"version":1,"title":"How To Buy Loan Protocol (LOAN) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy LOAN Protocol (LOAN) on Metal Pay using your debit or credit card, from downloading the app to completing your first LOAN purchase.","keywords":"","h1":["How To BuyLOAN (LOAN)"],"h2":["Buy LOAN using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","LOAN is the governance and rewards token associated with LOAN Protocol, a non-custodial lending application on XPR Network. The protocol creates lending markets where supported assets can be supplied or borrowed, while LOAN provides an incentive and participation layer around that activity. LOAN itself should not be described as one of the protocol’s supported lending assets unless the protocol explicitly lists it as such.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image2. Select the Payment Methods tab3. Select + in the top rightSelect Debit or Credit CardEnter card details + addressYou are now ready to buy LOAN","Step 5","Find LOAN on Marketplace","From the home screen, select the Crypto CardFind LOAN on the MarketplaceSelect LOANYou can view the current price, and adjust chart metrics","Step 6","Buy LOAN with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $LOAN amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select ReviewReview all of the purchase details for accuracyConfirm your transaction by selecting BuyCongratulations you have successfully purchased LOAN","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/loan"},"/how-to-buy/metal-dollar":{"version":1,"title":"How To Buy Metal Dollar (XMD) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Metal Dollar (XMD) on Metal Pay using your debit or credit card, from downloading the app to completing your first Metal Dollar purchase.","keywords":"","h1":["How To BuyMetal Dollar (XMD)"],"h2":["Buy Metal Dollar using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Dollar (XMD) is a dollar-denominated stablecoin used within the Metal X ecosystem on XPR Network. It is designed to provide a digital-dollar unit for transfers, trading, and other supported on-chain activity. XMD can be minted or redeemed through Metal X’s dedicated Metal Dollar interface, and it should not be confused with MTL, METAL, or XMT, which serve different roles.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Metal Dollar","Step 5","Find Metal Dollar on Marketplace","From the home screen, select the Crypto Card","Find Metal Dollar on the Marketplace","Select Metal Dollar","You can view the current price, and adjust chart metrics","Step 6","Buy Metal Dollar with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $XMD amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Metal Dollar","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/metal-dollar"},"/how-to-buy/metal-blockchain":{"version":1,"title":"How To Buy Metal Blockchain (METAL) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Metal Blockchain (METAL) on Metal Pay using your debit or credit card, from downloading the app to completing your first Metal Blockchain purchase.","keywords":"","h1":["How To BuyMetal Blockchain (METAL)"],"h2":["Buy Metal Blockchain using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Blockchain is a multichain network for digital assets and smart-contract applications. METAL is its native token and is distinct from Metal DAO’s MTL token. METAL pays transaction fees across the network and can be staked by validators that help secure the Primary Network. Its architecture also supports application-specific blockchains alongside an Ethereum-compatible contract chain.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Metal Blockchain","Step 5","Find Metal Blockchain on Marketplace","From the home screen, select the Crypto Card","Find Metal Blockchain on the Marketplace","Select Metal Blockchain","You can view the current price, and adjust chart metrics","Step 6","Buy Metal Blockchain with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $METAL amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Metal Blockchain","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/metal-blockchain"},"/how-to-buy/hedera":{"version":1,"title":"How To Buy Hedera (HBAR) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Hedera (HBAR) on Metal Pay using your debit or credit card, from downloading the app to completing your first Hedera purchase.","keywords":"","h1":["How To BuyHedera (HBAR)"],"h2":["Buy Hedera using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Hedera is a public distributed ledger that uses hashgraph consensus rather than a conventional blockchain structure. HBAR is its native cryptocurrency and pays for network services such as transfers, smart-contract execution, token operations, and data storage. HBAR can also be staked to network nodes, where stake weight contributes to Hedera’s proof-of-stake consensus and network security.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Hedera","Step 5","Find Hedera on Marketplace","From the home screen, select the Crypto Card","Find Hedera on the Marketplace","Select Hedera","You can view the current price, and adjust chart metrics","Step 6","Buy Hedera with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $HBAR amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Hedera","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/hedera"},"/how-to-buy/xpr-network":{"version":1,"title":"How To Buy XPR Network (XPR) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy XPR Network (XPR) on Metal Pay using your debit or credit card, from downloading the app to completing your first XPR Network purchase.","keywords":"","h1":["How To BuyXPR Network (XPR)"],"h2":["Buy XPR Network using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","XPR Network is a public blockchain for payments and applications, with XPR as its native token. End users can transact without paying gas fees, while block producers validate activity and maintain the network. XPR holders may stake their tokens, vote for block producers, and participate in community governance proposals, giving the asset roles in both network participation and protocol decision-making.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy XPR Network","Step 5","Find XPR Network on Marketplace","From the home screen, select the Crypto Card","Find XPR Network on the Marketplace","Select XPR Network","You can view the current price, and adjust chart metrics","Step 6","Buy XPR Network with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $XPR amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased XPR Network","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/xpr-network"},"/how-to-buy/ethereum":{"version":1,"title":"How To Buy Ethereum (ETH) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Ethereum (ETH) on Metal Pay using your debit or credit card, from downloading the app to completing your first Ethereum purchase.","keywords":"","h1":["How To BuyEthereum (ETH)"],"h2":["Buy Ethereum using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Ethereum is a programmable blockchain designed for applications and smart contracts. Ether (ETH) is its native asset: it pays for transaction and computation fees, commonly called gas, and can be staked by validators who help secure the proof-of-stake network. Ethereum’s shared execution environment also supports tokens and decentralized applications whose rules run as deployed code.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Ethereum","Step 5","Find Ethereum on Marketplace","From the home screen, select the Crypto Card","Find Ethereum on the Marketplace","Select Ethereum","You can view the current price, and adjust chart metrics","Step 6","Buy Ethereum with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $ETH amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Ethereum","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/ethereum"},"/how-to-buy/metal-dao":{"version":1,"title":"How To Buy Metal DAO (MTL) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Metal DAO (MTL) on Metal Pay using your debit or credit card, from downloading the app to completing your first Metal DAO purchase.","keywords":"","h1":["How To BuyMetal DAO (MTL)"],"h2":["Buy Metal DAO using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal DAO is the governance framework associated with the Metal Dollar ecosystem. MTL is the Metal DAO token issued on Ethereum and is separate from METAL, the native asset of Metal Blockchain, and XMD, Metal Dollar. Metal DAO governance on XPR Network uses a corresponding token called XMT, so users should verify the network and symbol before transferring any of these assets.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Metal DAO","Step 5","Find Metal DAO on Marketplace","From the home screen, select the Crypto Card","Find Metal DAO on the Marketplace","Select Metal DAO","You can view the current price, and adjust chart metrics","Step 6","Buy Metal DAO with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $MTL amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Metal DAO","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/metal-dao"},"/how-to-buy/litecoin":{"version":1,"title":"How To Buy Litecoin (LTC) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Litecoin (LTC) on Metal Pay using your debit or credit card, from downloading the app to completing your first Litecoin purchase.","keywords":"","h1":["How To BuyLitecoin (LTC)"],"h2":["Buy Litecoin using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Litecoin is an open-source, peer-to-peer payment network whose native currency is litecoin (LTC). It was designed for direct digital payments without a central network operator. Transactions are recorded on the Litecoin blockchain and confirmed by proof-of-work miners, while LTC is the value transferred between addresses and is also used to pay transaction fees for processing activity on the network.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Litecoin","Step 5","Find Litecoin on Marketplace","From the home screen, select the Crypto Card","Find Litecoin on the Marketplace","Select Litecoin","You can view the current price, and adjust chart metrics","Step 6","Buy Litecoin with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $LTC amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Litecoin","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/litecoin"},"/how-to-buy/dogecoin":{"version":1,"title":"How To Buy Dogecoin (DOGE) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Dogecoin (DOGE) on Metal Pay using your debit or credit card, from downloading the app to completing your first Dogecoin purchase.","keywords":"","h1":["How To Buy Dogecoin (DOGE)","How To BuyDogecoin (DOGE)"],"h2":["Buy Dogecoin using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Dogecoin is an open-source, peer-to-peer digital currency with DOGE as its native coin. It was created for direct online payments and can be transferred between compatible Dogecoin addresses without a central payment operator. The network uses proof-of-work mining to confirm transactions, and DOGE is used both as the transferred asset and to pay the transaction fees included with network activity.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Dogecoin","Step 5","Find Dogecoin on Marketplace","From the home screen, select the Crypto Card","Find Dogecoin on the Marketplace","Select Dogecoin","You can view the current price, and adjust chart metrics","Step 6","Buy Dogecoin with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $DOGE amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Dogecoin","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/dogecoin"},"/how-to-buy/bitcoin":{"version":1,"title":"How To Buy Bitcoin (BTC) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Bitcoin (BTC) on Metal Pay using your debit or credit card, from downloading the app to completing your first Bitcoin purchase.","keywords":"","h1":["How To BuyBitcoin (BTC)"],"h2":["Buy Bitcoin using your Debit or Credit card with the Metal Pay app in USA, Australia and New Zealand."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Bitcoin is an open-source, peer-to-peer payment network whose native asset is bitcoin (BTC). Transactions are recorded on a public blockchain and confirmed through proof-of-work mining rather than by a central operator. BTC can be sent directly between compatible wallets, while transaction fees and protocol-defined block rewards compensate miners for adding valid blocks and helping secure the network.","Step 1","Download the Metal Pay App","Download the Metal Pay App on the iOS App Store or Google Play Store and get ready to access the world of digital assets.","Step 2","Create Account or Sign-In","Sign up for your Metal Pay account using your email address, and phone number. You can also sign in using your Apple ID.","Google Account + WebAuth Sign-In coming soon.","Step 3","Verify Your Identity","To remain compliant with regulations, you are required to verify your identity, using a government issued ID, in addition to your Social Security Number. Nothing more than your existing bank would require.","Step 4","Link a Debit or Credit Card","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to buy Bitcoin","Step 5","Find Bitcoin on Marketplace","From the home screen, select the Crypto Card","Find Bitcoin on the Marketplace","Select Bitcoin","You can view the current price, and adjust chart metrics","Step 6","Buy Bitcoin with Metal Pay","Click the 'Buy' button","Choose the amount you would like to purchase","You can choose a $USD or $BTC amount using the arrows","Select One time purchase, or set up an automatic buy","Choose your preferred payment method","Step 7","Finalize purchase","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","Congratulations you've successfully purchased Bitcoin","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy/bitcoin"},"/what-is/bitcoin":{"version":1,"title":"How To Buy Bitcoin (BTC) | Metal Pay - Crypto, The Right Way.","description":"Follow simple steps to buy Bitcoin on Metal Pay using your debit or credit card. Our guide takes you from downloading the app to making your first Bitcoin purchase effortlessly.","keywords":"","h1":["What is Bitcoin?"],"h2":["Description"],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","The beginner’s guide to Bitcoin","Bitcoin is a revolutionary form of digital currency first proposed in 2008 by a person or group of people known as Satoshi Nakamoto.","Unlike traditional currencies, Bitcoin is a digital asset and does not depend on central banks or governments.","Instead, it operates as a completely decentralized system and stores activity on a digital database called the bitcoin ledger. This decentralization means that no single company or government can make decisions about how the currency works or how people can use it.","In fact, the protocol's users collectively help in running it, guided by strict computer-coded rules. These rules set the amount of bitcoin in circulation and how users trade and create new bitcoin.","Bitcoin (BTC), the cryptocurrency asset, was originally created to act as a digital medium of exchange. You can buy or sell bitcoin on most, if not all, crypto exchanges or on dedicated Bitcoin exchanges. The process of generating new Bitcoin is called Bitcoin mining. It involves using powerful crypto mining computers to process the complex mathematical equations needed to maintain the network.","During the mining process, Bitcoin uses a system involving cryptography and game theory to validate and record transactions. The network stores these transactions on a public database system called a blockchain ledger.","As its essential building blocks, the Bitcoin protocol uses:","Public-key cryptography – Wallet software assigns bitcoin owners both a public key (which is used by the protocol to prove you own bitcoin) and a private key (a kind of password that, if secured well, guarantees your bitcoins can only be accessed by you).","Peer-to-peer networking – Nodes (computers running the software) review transactions to ensure the software’s rules are being followed. Miners (nodes using special computer chips) then compete for the right to batch these transactions into the blocks periodically added to the blockchain.","A finite supply – According to the software rules, only 21 million bitcoins can be produced, a limit that gives bitcoins value.","Bitcoin transactions are pseudononymous and highly secure, making them an attractive option for those who value privacy and security. Supply and demand on various cryptocurrency exchanges determine the price of bitcoin. You can send Bitcoin payments from a bitcoin wallet to a bitcoin wallet or from a bitcoin wallet to an exchange or web retailer.","There are multiple hard forks or offshoots of bitcoin including Bitcoin Cash and Bitcoin Classic.","Check the Bitcoin price page for more details on the current BTC value, trends, and price history.","How does Bitcoin work?","Bitcoin (BTC) is a virtual currency that operates through the decentralized Bitcoin network, meaning no government or financial institution controls it. The blockchain stores all transactions on a public ledger called the Bitcoin blockchain, which serves as a fully accessible, transparent database. This digital ledger stores bitcoin payments and transfers.","The Bitcoin network is a decentralized virtual currency system that operates without a central bank, government authority, or middlemen. Instead, it relies on a network of computers around the world to maintain the integrity of the system.","A globally distributed community of nodes makes up the Bitcoin network. Nodes are computers that are connected to the Bitcoin network and help validate transactions.","Anyone in the world can run their own node and participate in running the Bitcoin network. Every node maintains their own copy of the blockchain, which is an unchangeable ledger of cryptocurrency transactions. This process means that there is no central authority that controls the blockchain, making it decentralized.","These networked computers store a copy of the bitcoin ledger and, when transactions occur on the network, they use a consensus mechanism to \"agree\" that a certain action happened. This agreement process guarantees that users cannot create fake transactions or double-spend a bitcoin.","You can own a single bitcoin or you can own any number of Satoshi's. One Satoshi is worth 0.00000001 BTC. You can buy and sell the currency on Bitcoin exchanges or trade it on the peer network by sending it from wallet to wallet.","You store the access to your bitcoin in a bitcoin wallet which acts as a debit card or bank account: when you send or spend bitcoin the network reassigns ownership over those funds to the recipient's public wallet address.","When someone sends Bitcoin to another person, the transaction is verified by a network of \"miners.\" Miners solve complex mathematical equations to guarantee the validity of the transaction and prevent fraud. Other nodes on the network verify the transaction. They do this by checking that the sender has enough Bitcoin to make the transaction and is not trying to double-spend their balance.","Once the network verifies the transaction, the successful miner adds it to a block of transactions. These full blocks permanently join the blockchain. No one can alter the data stored in blocks once they're committed to the blockchain.","Why is Bitcoin important?","One of the most significant differences between Bitcoin and fiat currency is decentralization.","Unlike fiat currency, no central authority, such as a government or bank controls Bitcoin. This advantage means that Bitcoin is not subject to the same censorship and geo-restrictions as traditional currency, providing users with greater freedom and flexibility.","In fact, all bitcoin transfers are peer transactions in that they are between two wallets vs. two banks or two customers. Outside forces cannot censor or control these transactions.","Limited supplyAnother unique feature of Bitcoin is its limited supply. Unlike fiat currency, which central authorities can print at will, Bitcoin has a finite supply.","There will only ever be 21 million Bitcoins in existence, which creates scarcity and may support its value over time.","This feature is in contrast to fiat currency, which can suffer from inflation and devaluation as more currency is printed. The only way to produce more Bitcoin is through Bitcoin mining.","TransparencyBitcoin transactions are transparent and recorded on a public ledger, known as the blockchain.","Anyone can view and track transactions, adding an extra layer of security and accountability to the Bitcoin network.","Conversely, with conventional currencies, usually, no one can see what other people are transacting. This lack of transparency means its much easier to perform illegal activities such as money laundering using cash. Bitcoin's digital ledger is open for all to see.","Lower transaction fees and faster paymentsAnother advantage of Bitcoin is its lower fees and faster transactions.","When compared to traditional banking fees, Bitcoin transaction fees are significantly lower.","As a result, Bitcoin is a more cost-effective option for those looking to make international payments or transfers. Payments also take around an hour to send, instead of the 2-5 business days it takes on average to send an international bank transfer.","Security and privacyBitcoin transactions are secured using advanced cryptography, making them highly secure and difficult to hack.","Additionally, Bitcoin transactions are pseudonymous, meaning that users can conduct transactions without revealing their identity. This benefit can provide greater privacy and security for users, as their personal information is not disclosed during transactions.","Because of its decentralized nature, no one can shut down or ban Bitcoin. Its decentralized nature, limited supply, transparency, lower transaction fees, and security and privacy features make it an attractive option for many users. As the world becomes increasingly digital, Bitcoin is poised to play a significant role in the future of finance.","Get Metal Pay","How is Bitcoin used?","PaymentsOne of the earliest uses of Bitcoin was as an electronic cash system. It allows users to transfer funds online without the need for a third-party intermediary like a bank or payment processor. The network can complete transactions faster and often more cheaply compared to traditional payment methods.","To make Bitcoin payments, users need to have a digital wallet that stores the private keys associated with their Bitcoin funds. They can then use this wallet to send and receive Bitcoin to and from other users. The Bitcoin network is a decentralized network of computers that verify, process, and confirm transactions.","Many merchants now accept Bitcoin as a payment method, including online retailers and even some physical stores. However, it is still not as widely accepted as traditional payment methods like credit cards or PayPal.","Store of valueAnother use of Bitcoin is as a store of value. Because the network is decentralized, some people see it as a more stable and secure form of currency.","Bitcoin's limited supply and the fact that it cannot be easily counterfeited also contribute to its value as a store of value. Some people buy Bitcoin as a speculative investment, hoping that its value will increase over time.","However, Bitcoin's value can be volatile, and its price has fluctuated widely in the past. This price volatility means that it may not be suitable for everyone as a long-term investment.","How to Buy Guides","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","What is Bitcoin?","What is Dogecoin?","What is EOS?","What is Ethereum?","What is Litecoin?","What is Metal Blockchain?","What is Metal DAO?","What is Metal Dollar?","What is Hedera?","What is XPR Network?","What is Loan?","What is Stellar?","What is USDC?","What is USDT?","What is XRP?","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/what-is/bitcoin"},"/how-to-buy":{"version":1,"title":"How To Buy Guides | Metal Pay - Crypto, The Right Way.","description":"Start with Metal Pay's How To Buy Guides: easy account setup, seamless verification, and secure transactions. Your compliant gateway to cryptocurrency, with only a Debit or Credit card.","keywords":"","h1":["How To Buy Crypto"],"h2":["Looking for help on how to compliantly transact with digital assets? Use these guides below to effortlessly buy, sell and save cryptocurrency with Metal Pay."],"h3":["TRUSTED SINCE 2018","Crypto, the right way.","Any Questions?"],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Search for a coin…","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/how-to-buy"},"/automatic-buys":{"version":1,"title":"Set Automatic Buys on Metal Pay: A Step-by-Step Guide","description":"Learn how to set up automatic buys on Metal Pay effortlessly. Our guide walks you through scheduling daily, weekly, or monthly purchases of your favorite cryptocurrency, allowing for a seamless and disciplined investment journey.","keywords":"","h1":["How To Set-Up Automatic Buys"],"h2":["Enable Auto-Buys on Metal Pay: Start from just $15, pick an asset, set daily/weekly/monthly basis, and auto-invest seamlessly. Dollar Cost Averaging (DCA) if you want to be fancy."],"h3":["Any Questions?","TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Step 1","Get Metal Pay, Get Verified.","To access all of the incredible features that Metal Pay has to offer, you'll need to download the app here, and then successfully complete our verification process. For more details on how, you can follow this guide.","Step 2","Add Payment Method","1. Access Settings page, by clicking on your profile image","2. Select the Payment Methods tab","3. Select '+' in the top right","Select Debit or Credit Card","Enter card details + address","You are now ready to set up an automatic buy","Step 3","Choose Asset for Auto-Buy","From the home screen, select the Crypto Card","Under marketplace view, select your chosen digital asset","Here you can see the price of the asset in real time","Select the Buy button","Step 4","Set-up Your Auto-Buy","Choose your automatic purchase amount","Select the payment method you would like to use","Click on One time purchase, then select frequency","If weekly, select which day","If monthly, select either the 1st or 15th of each month","Select Continue","Step 5","Finalize Auto-Buy","Select 'Review'","Review all of the purchase details for accuracy","Confirm your transaction by selecting 'Buy'","You have successfully set up an automatic buy","Get Metal Pay","The most frequently asked questions, with the most frequently given answers.","What do I need to verify for Metal Pay?","What are the fees to deposit and trade?","Can I withdraw crypto from Metal Pay?","How do I buy Bitcoin on Metal Pay?","How do I link my card to Metal Pay?","How do I contact Metal Pay Client Services?","How do I Recurring Buy with Metal Pay?","What are the benefits of Automatic Buys?","How To Buy Bitcoin","How To Buy Dogecoin","How To Buy EOS","How To Buy Ethereum","How To Buy Solana","How To Buy Litecoin","How To Buy Metal Blockchain","How To Buy Metal DAO","How To Buy Metal Dollar","How To Buy Hedera","How To Buy XPR Network","How To Buy LOAN","How To Buy Stellar","How To Buy USDC","How To Buy USDT","How To Buy XRP","How To Buy Cardano","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/automatic-buys"},"/markets":{"version":1,"title":"Crypto Prices — Metal Pay Crypto Markets","description":"Get the live Bitcoin price and real-time cryptocurrency prices today. Track market trends for Bitcoin (BTC), Ethereum (ETH), and other top cryptocurrencies with up-to-date charts and data. Accurate, real-time crypto pricing and market analysis.","keywords":"","h1":["Explore Markets"],"h2":["Get the live Bitcoin price and real-time cryptocurrency prices directly from Metal Pay today. Track crypto market trends for Bitcoin (BTC), Ethereum (ETH), and other top cryptocurrencies with up-to-date price charts.Click trade to buy or sell cryptocurrency in USA, Australia and New Zealand.","Metal Pay Cryptocurrency Markets","How to buy Crypto 🔗"],"h3":["TRUSTED SINCE 2018","Crypto, the right way."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Top Gainer Today","Advanced Trading,when you're ready.","Dive into an expansive world of DeFi tools, from lending and borrowing to yield farming. Supercharge your assets, maximize your potential, and earn with variable APR.","Start Trading","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/markets"},"/metal-pay-3":{"version":1,"title":"Welcome to Metal Pay 3","description":"Your Gateway to Seamless Crypto Transactions","keywords":"","h1":["Welcome to Metal Pay 3"],"h2":["Welcome to Metal Pay 3","We’re incredibly excited to introduce you to the latest version of our app, Metal Pay 3!"],"h3":["1. Enhanced User Interface","2. XPR Network Integration","3. Integrated Customer Support","4. New Debit / Credit Card On-Ramp","5. Increased Purchase Limits","6. Over-the-Air Updates","How to Upgrade","Your Compliant Gateway to Digital Assets","Your Compliant Gateway toDigital Assets"],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Get Metal Pay","The Metal Pay app now features a sleek and intuitive interface, offering a more effortless navigation experience. And for all the night owls or screen-sensitive eyes out there, we’ve included a Dark Mode!","Metal Pay now processes many orders through the XPR Network via Metal X, providing you with faster transactions, better pricing, and a strong reliance on decentralized exchange mechanisms over centralized solutions.","You can now access customer support directly within the app! Say goodbye to external forms and hello to seamless problem-solving.","Buying crypto has never been easier with our new Debit and Credit Card processor, allowing you to make your crypto purchase faster than ever.","We understand that your financial needs are evolving, and we’re evolving with you. That’s why we’ve increased the daily purchase limits to $10’000, giving you even more freedom and flexibility to manage your finances through Metal Pay.","With our new over-the-air update functionality, your Metal Pay app will receive the latest features and improvements without requiring manual updates from the app or play store!","To experience Metal Pay 3, simply click here or go to your respective app store and click “Update” next to the Metal Pay app.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/metal-pay-3"},"/unsubscribe":{"version":1,"title":"Unsubscribe — Metal Pay","description":"Manage your Metal Pay email subscription preferences.","keywords":"","h1":["Please ensure you have ad block disabled and refresh if you don’t see the option to unsubscribe groups."],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Please ensure you have ad block disabled and refresh if you don't see the option to unsubscribe groups."],"codeblock":[],"url":"/unsubscribe"},"/privacy-notice":{"version":1,"title":"Privacy Notice — Metal Pay","description":"Metal Pay Privacy Notice.","keywords":"","h1":[],"h2":["Metallicus, Inc. Privacy Notice"],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","US","AUS","NZ","Effective Date: February 05, 2024","Last updated: February 05, 2024","This Privacy Policy describes how Metallicus, Inc., a Delaware corporation with its main office at 660 4th Street, Suite 107, San Francisco, California 94107, and its affiliates (\"Metal,\" \"us,\" \"we\" or \"our\") collects, uses, stores, shares, and protects your Personal Information whenever you participate in, download, view, or use our websites (including, without limitation, metalpay.com), any of our services, including, without limitation, Metal Pay services, or any mobile application offered by us, any sweepstakes, contest, event or other promotions offered or sponsored by us, any of our application programming interfaces (\"API\") or any third party applications relying on such API (collectively, the \"Services\"). By downloading, using, or participating in the Services, you consent to the data practices prescribed in this Privacy Policy.","As specified in further detail below, we may periodically change this Privacy Policy. It is your responsibility to review this Privacy Policy frequently and we encourage you to visit this page often.","COLLECTION OF INFORMATION","INFORMATION YOU PROVIDE TO US","We collect Personal Information you provide directly or indirectly to us. \"Personal Information\" means information about you that is personally identifiable or from which you can be identified together with other information (e.g., your name, address, email address or phone number). Personal Information does not include information that is de-identified, aggregated, or that cannot be reasonably linked with an identifiable individual. For example, we collect Personal Information about you when you create an account to use one of our Services, download or use our mobile applications, complete a transaction on our website or mobile applications, fill out a form through our websites or mobile applications, respond to surveys from us, enter into a sweepstakes, contest or other promotion that we make available to you, post messages to our forums or otherwise communicate with us.","The type of Personal Information we collect varies, depending upon which Services you access, participate in or are using. The types of Personal Information we may collect are as follows:","Contact information, such as your name, mailing address, telephone number, and email address.","Financial information, such as bank account numbers, credit card numbers and virtual currency account information.","Government identification numbers, such as your social security number or a state-issued identification number.","Biographic or demographic information, such as your date of birth, gender, occupation, employment status and any other Personal Information you choose to provide about yourself.","INFORMATION WE COLLECT FROM OTHER SOURCES","We may also obtain information from other sources and combine that with Personal Information we collect through the Services. For example, we may collect nonpublic Personal Information about you from third parties, including identity verification services. We obtain financial transaction history through a vendor and delete this data periodically in most cases.","We may also obtain Personal Information when we acquire a business or assets from another company, such as the acquisition of assets from Metal Pay.","INFORMATION WE COLLECT AUTOMATICALLY","When you download, access or use certain of the Services, we automatically collect Personal Information as follows:","Transaction information: we collect information about the transaction you complete via the Services.","Location information: we may collect precise geolocation information from your mobile device when you access or use our mobile applications. We also collect user location information when you access certain services on our websites, such as the Metal Vault digital wallet or our Metal Pay services.","Device and log information: we collect information about the computer or mobile device you use in connection with the Services, including device identifiers, mobile network information, type of operating system, and the type of browser used. We also log information about your use of the Services, including access times, pages viewed, IP address, other standard web log data, and the page visited before and after navigating to our websites.","Cookies and similar tracking technologies: we may use cookies, pixel tags, web beacons, and other tracking technologies to collect information about you when you interact with the Services, including information about your browsing or navigation behavior on the Services. Cookies are small data files sent from our web servers to your computer or mobile device that enable us to, for example, capture how you arrived at the Services, when you return, which pages or features on the Services you use or visit, and to recognize that you are already logged on when we receive a page request from your browser. You can modify your browser settings to decline cookies or notify you when a cookie is set. However, if you choose to decline cookies, you may not be able to use certain interactive features of our website. You can always go back and delete cookies from your browser, however, this means that any settings or preferences controlled by those cookies will also be deleted and you may need to recreate them. For more information, see www.allaboutcookies.org.","USE OF INFORMATION","We use your Personal Information as follows:","Provide the Services, customer support, and conduct promotions (including sweepstakes and contests).","Process transactions, send notices about your transactions, and maintain accurate records of transactions (including location data).","Manage your account(s) and send technical notices, updates, security alerts, and support and administrative messages.","Resolve disputes, collect fees, and troubleshoot problems.","Prevent potentially prohibited or illegal activities, comply with U.S. and international financial regulations, and enforce our user agreements and policies.","Personalize, measure, and improve the Services.","Deliver our marketing and promotional offers via email.","Link or combine your Personal Information with information we obtain from others to help understand your needs and provide you with better service.","We use your Personal Information for the following key purposes:","To contact you: subject to applicable law, we or our third-party service and business providers may send you communications. Such communications are designed to make your experience of our Services more efficient and may include, but are not limited to: notifications about our Services and other communications (including important news that could affect your relationship with us), communications about promotions and our mobile application features. Where required under applicable data privacy laws, we will not send you marketing communications without your prior consent.","For legal purposes: we may use and share Personal Information for legal purposes, including financial, regulatory, tax, and other legal obligations, and to respond to governmental or regulatory requests or subpoenas or for litigation purposes.","For our legitimate business interests and those of a third party: we may use your Personal Information to manage our legal, regulatory, financial and business requirements, including obtaining legal advice, in the course of disputes and litigation, internal and/or regulatory investigations.","For our business purposes: we may use your Personal Information to help us efficiently operate the Services, to count and recognize visitors to our Services, to enable certain features on or in our Services, and for other purposes related to managing our business.","For other purposes: subject to applicable law, we may use your Personal Information for additional purposes in connection with the Services, where you have provided your prior consent.","DISCLOSURE OF INFORMATION","We may disclose any Personal Information we collect about you, whether you are a current or former customer, user of or participant in the Services, including nonpublic Personal Information and any other information we collect to all companies affiliated with Metal, and with nonaffiliated third parties, which include non-financial companies, such as email service providers, identity and fraud verification services, and others, such as other users of our Services with which you engage in transactions. We may make such disclosures:","To service providers that perform support or marketing services on our behalf, including, without limitation, virtual assistants who provide customer support; and","For our everyday business purposes, such as to process transactions, maintain accounts, comply with U.S. and international financial regulations, respond to court orders and legal investigations or report to credit bureaus. For example, in connection with our everyday business purposes, we may share Personal Information about you as follows:","With any party you intend to distribute cryptocurrency or funds to, or that intends to distribute cryptocurrency or funds to you, via the Services, including information about whether your account is active and whether the account has been verified.","With vendors, consultants, professional advisors such as lawyers, accountants, auditors and other service providers who need access to your Personal Information to carry out work on our behalf or provide advice to us. These service providers help with our business operations such as fraud prevention, technology services, and payment processors. We enter into confidentiality agreements with these service providers and they do not have any independent right to share your Personal Information.","We may provide information about you or your Personal Information to (i) respond to subpoenas, court orders, legal process or governmental regulations, (ii) establish or exercise our legal rights or defend against legal claims, or (iii) enforce our user agreements or other policies and agreements. We believe it is necessary to share information in order to investigate, prevent or take action regarding illegal activities, or as otherwise required by law.","In connection with, or during negotiations of, any merger, sale of Metal assets, financing or acquisition or all or a portion of our business to another company.","With your consent or at your direction.","If we are under any other duty to disclose or share your information to comply with our legal obligations.","Other than in connection with a merger, sale of Metal’s assets, financing or acquisition, we will not sell or rent any of your Personal Information to third parties for their own marketing purposes.","Please note that third parties that support our customer identification and anti-fraud controls may retain and use Personal Information about you to perform services on our behalf and to improve their services. By using any of the Services, you consent to the retention and use of such information by these providers to improve their services.","We may also share aggregated or de-identified information with our affiliated companies or nonaffiliated third parties, which cannot reasonably be used to identify you.","The Personal Information that we collect from you may be transferred to, and stored at, a destination outside your country of residence. We are headquartered in the U.S. and your Personal Information is transferred to us in the U.S., and to the third parties referenced above who may also be in the U.S. or otherwise located in a country with less stringent data privacy laws compared to those in your country of residence. We use reasonable technical and organizational security measures to protect your Personal Information when it is transferred or shared to us or our affiliates or our third party recipients.","PROTECTION OF INFORMATION","Although no data processing and transmission can be guaranteed to be 100% secure, we take reasonable steps to protect all Personal Information. Metal uses industry-standard encryption technology to safeguard the account registration process and sign-up information. Other security safeguards include, but are not limited to, data encryption, firewalls, and physical access controls to buildings and files.","DELETION OF PERSONAL INFORMATION","If for any reason you wish to delete your Personal Information stored with us, please send us an e-mail to: support@metalpay.com, and we will make reasonable efforts to delete any such Personal Information in accordance with any applicable privacy laws and consistent with reasonable recordkeeping practices. We may need to retain certain Personal Information for business records purposes, or for tax, or other legal requirements, or otherwise as permitted under applicable data privacy laws. Before honoring a request for deletion, we may need to request information from you to verify your identity.","Metal will retain your Personal Information for a minimum of five years or as necessary to comply with our legal obligations or to resolve disputes. We will also maintain copies of your information to the extent retained as part of our standard backup/archive process. In addition, these procedures will not remove any of your information that you provided to other users or third parties, or that third parties collected from websites or services linked to our Services.","ACCESS AND OBJECTION TO PROCESSING","Under applicable data privacy laws, you may have rights to request access to your Personal Information or to object to processing or request that the Personal Information you have provided to us is sent to another organization. If you would like to exercise these legal rights, please contact us at support@metalpay.com. We will need enough information to ascertain your identity as well as the nature of your request. We will aim to respond to your request within one calendar month of receipt of the request. Where we were unable to do so within the calendar month, we will notify you of the soonest practicable time within which we can respond to your request. There are certain exemptions and restrictions of these rights under the applicable data privacy laws that enable personal information to be retained, processed, or withheld from access and we will inform you of these if applicable.","YOUR CALIFORNIA PRIVACY RIGHTS","California law permits customers who are California residents to request certain information about our disclosure of personal information during the prior calendar year to third parties for their own direct marketing purposes. However, we do not sell or rent your Personal Information to any third party for their own marketing. For questions, please contact us at support@metalpay.com.","As of Jan. 1, 2020:","If you are a California resident, you also have the right to access any personal information we have collected about you and inquire about our collection, sale and disclosure of your personal by contacting us at support@metalpay.com","Your exercise of these rights will have no adverse effect on the price and quality of our goods and services.","MINORS","To use the Services, you must be of the age of majority and, at the very least, over the age of 18. In addition, to participate in a promotion, you must be eligible under the Official Rules of that promotion. Metal Pay does not knowingly collect Personal Information from persons under the age of 18 and does not wish to do so. We reserve the right to request proof of age at any stage so that we can verify that persons who have not reached the age of majority or are under the age 18 are not using the Services, including participating in promotions. In the event that it comes to our knowledge that a person under the age of 18 or who has not reached the age of majority in that person’s state of residence is using the Services, we will prohibit and block such user from accessing the Services and will make all efforts to promptly delete any Personal Information stored with us with regard to such user to the extent permissible by law and financial transactions recordkeeping requirements.","DIRECT MARKETING","You agree (and, where required under applicable data privacy laws, you agree that only with your prior consent) that we may use your contact details for the purpose of informing you regarding products and services offered by us which may interest you through targeted advertising on your computer or mobile device, and to send to you advertisements and other marketing material, transmitted to the e-mail address you provide us.","You may withdraw your consent by sending a written notice to Metal by email to the following address: support@metalpay.com or in the same manner as the advertising was transmitted to you (e.g., via email). We are not responsible for the content of said advertisements and the products delivered or services rendered thereby by third parties and you irrevocably and unconditionally agree that we are not responsible or liable with respect to such advertisements, products and services.","If you prefer to not receive targeted advertising from third parties, you can opt out of some network advertising programs that use your information. These network advertising programs may allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. To find out more, look for icons or other information displayed in the ads. To opt out of receiving interest-based advertising from third parties, click on both of the following links:","www.networkadvertising.org/choices/","www.aboutads.info/choices","REFERRALS/LINKS","Our websites or mobile applications may contain links to third-party websites that may offer information of interest. This Privacy Policy does not apply to those websites, and Metal recommends reviewing those websites’ privacy policies individually. Our Services may contain products and services of third parties, so when you use the third party products or accept third party services, they may be able to obtain your data. Please read the privacy policies of these third party companies, as their policies govern their collection and use of your data.","RESPONSE TO \"DO NOT TRACK\" SIGNALS / THIRD PARTY DATA COLLECTION","Some Internet browsers include the ability to transmit \"Do Not Track\" signals. At this time, Metal does not process or respond to \"Do Not Track\" signals.","We do not knowingly permit third parties to collect Personal Information about your online activities over time and across different websites when you are using our Services.","COOKIES & LOCAL STORAGE","When you access or use the Services, we may use industry-wide technologies such as \"cookies\" or similar technologies, which store certain information on your computer (\"Local Storage\") and which will allow us to enable automatic activation of certain features, and make your experience with our Services much more convenient and effortless. The cookies used by the Service are created per session, do not include any information about you other than your session key (removed as your session ends (usually after 24 hours)) and the ability to login again quickly (automatically removed usually after two years, unless manually removed on an earlier occasion). It is easy to prohibit Local Storage. Most browsers will allow you to erase cookies from your computer’s hard drive, block acceptance of cookies, or receive a warning before a cookie is stored. However, if you block or erase cookies your online experience may be limited. OTHER THAN THE STANDARD COOKIES MENTIONED ABOVE, PLEASE NOTICE THAT WE MAY ALSO MAKE USE OF E-TAGS WHICH WILL ENABLE US TO IDENTIFY USER BEHAVIORS. SUCH E-TAGS CAN ONLY BE REMOVED BY US AFTER RECEIVING A REQUEST FROM YOU IN WRITING IN THE MATTER.","We may also use certain third-party cookies. This is a different kind of cookie, stored on your computer by a third party, rather than by us. This kind of cookie is read-only (and not altered by us) each time you use the Service and when you visit certain websites or applications that use similar cookies.","CHANGES TO THE PRIVACY POLICY","Metal reserves the right to change this Privacy Policy at any time, so please re-visit this page frequently and make note of the Effective Date. Where the circumstance and nature of the changes require that we notify you regarding changes to this Privacy Policy, we will provide notice on our metalpay.com website and/or we will send you an e-mail regarding such changes to the e-mail address that you have provided to us and/or that is registered with any account you establish using the Services. Such changes will take effect on the Effective Date specified in the notice, which will be at least 7 days after we provide such notice using one of the above-mentioned methods. All other changes will be effective as of the Effective Date as well. Your continued use of or participation in any of the Services after the Effective Date will constitute acceptance of, and agreement to be bound by, all changes.","RIGHT TO LODGE COMPLAINTS","We are transparent about the ways in which we collect and use Personal Information, and welcome your questions and concerns. If you have any concern or complaint about the way we handle your Personal Information, please contact us as described below. To the extent you believe we have not addressed your concerns or otherwise choose to do so, you have the right to lodge a complaint with a supervisory authority in the country where you reside and/or the United States. You may contact the US Federal Trade Commission regarding your concerns. For more information, please see https://www.ftc.gov/faq/consumer-protection/submit-consumer-complaint-ftc.","FOR VERMONT USERS","We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Please contact us at support@metalpay.com","HAVE ANY QUESTIONS?","If you have any questions or concerns regarding this Privacy Policy, please contact us at support@metalpay.com. If you have any concerns regarding how we are handling your Personal Information, please contact us at support@metalpay.com. We will strive to deal with your concerns promptly.","If you wish to complain about the handling of your Personal Information outside of Metal you may, under applicable data privacy laws, have the right to raise a complaint with the supervisory authority in your country of residence.","Your secure digital wallet, for everything. Pay friends, get paid, buy crypto or just save up for a rainy day.","Advanced Products","WebAuth Wallet","Metal X Lending","Metal X Exchange","XPR Network","Metal Blockchain","How To Buy Crypto","Company","Metallicus Inc.","Careers","Blog","Terms","Privacy Policy","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807). All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses. © 2024 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency. All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.'s licenses and/or the applicable law depending on the jurisdiction"],"codeblock":[],"url":"/privacy-notice"},"/giveaway-terms":{"version":1,"title":"Terms of Use — Metal Pay","description":"Metal Pay is a secure app for buying, selling, and trading cryptocurrencies. Terms of Use.","keywords":"","h1":["Metallicus, Inc. Terms of Service"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Metal Pay Monday Promotion","Please note that cryptocurrency investments come with risks, and their value can fluctuate. Ensure that you are well-informed about the cryptocurrency market before participating in this campaign. This campaign is subject to the terms and conditions of Metal Pay, and participants must comply with all relevant legal regulations.","Participation in the \"Metal Pay Mondays\" campaign offered by Metal Pay is contingent upon meeting specific terms and conditions. To qualify for this campaign, individuals must be registered Metal Pay users and have an active recurring buy for any cryptocurrency within their Metal Pay account for at least one week. Additional entries into the weekly drawing are granted for each activated automatic buy, thus increasing the chances of winning for users with multiple automatic buys in place. Winners will be randomly selected every Monday, and the selection process is conducted transparently and fairly. Notifications will be sent through users' Metal Pay accounts and official Metal Pay social media channels.","Prizes, which consist of $BTC, will be credited to the winners' Metal Pay accounts within 7-10 business days from their win date. \"Metal Pay Mondays\" is an ongoing campaign that takes place every week, offering users a regular opportunity to win. It is crucial to acknowledge the inherent risks associated with cryptocurrency investments, including market volatility, and to invest only what one can afford to lose. Compliance with all relevant legal regulations, including those concerning cryptocurrencies and gambling, is mandatory for participants in their respective jurisdictions. Metal Pay and its affiliates are not liable for losses arising from market fluctuations or participant actions. Participants are advised to seek legal guidance and consult with regulatory authorities if unsure about the campaign's legality in their region. By engaging in \"Metal Pay Mondays,\" participants demonstrate their comprehension and acceptance of these terms and conditions. Metal Pay retains the right to amend, suspend, or terminate the campaign as necessary. For further inquiries or concerns, participants are encouraged to contact Metal Pay's customer support. This campaign serves entertainment and promotional purposes and should not be considered financial advice. Participants should approach cryptocurrency investments with caution and due diligence.","Your secure digital wallet, for everything. Pay friends, get paid, buy crypto or just save up for a rainy day.","Advanced Products","WebAuth Wallet","Metal X Lending","Metal X Exchange","XPR Network","Metal Blockchain","How To Buy Crypto","Company","Metallicus Inc.","Careers","Blog","Terms","Privacy Policy","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807). All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses. © 2024 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency. All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.'s licenses and/or the applicable law depending on the jurisdiction"],"codeblock":[],"url":"/giveaway-terms"},"/refer-a-friend":{"version":1,"title":"Refer a Friend - Get a chance to win $50 BTC","description":"Refer a friend to Metal Pay for a chance to win Bitcoin every month.","keywords":"","h1":["Win $50 Bitcoin."],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","REFER A FRIEND","Simply refer a friend to Metal Pay, send us their full name and when they verify their account you are in the draw to win $50 in Bitcoin.","Copy link 🔗","How To Enter?","Step 1","Refer a Friend","Invite your friend to Metal Pay using this link metalpay.com/friend (click to copy)","Step 2","Email Us","Send an email to help@metalpay.com to let us know the name of the person that you referred.","Step 3","You are in the Draw","Once your friend has verified their account you will be automatically entered into the monthly draw.","How It Works?","Eligibility","To participate, you must be a Metal Pay user and have a verified account. Your friend must also verify their Metal Pay account.","Bonus Entries","The more referrals you submit that verify their accounts, the higher your chances of winning!","Drawings","We'll randomly select a lucky Metal Pay customer who meets the eligibility criteria. The winner will be notified via their Metal Pay account email and our official social media channels.","Prize Delivery","If you win, you can expect the $BTC prize to be added to your Metal Pay account within 7-10 business days.","Share With Friends","All you need to do is send us your friends full name. Once they have verified their account on Metal Pay you are in the draw. You can click on the button below to copy an invite link.","Disclosure","Please note and remind your friend that cryptocurrency investments come with risks, and their value can fluctuate. Ensure that you both are well-informed about the cryptocurrency market before participating in this campaign. This campaign is subject to the terms and conditions of Metal Pay, and participants must comply with all relevant legal regulations.","Participation in the \"Metal Pay Refer a Friend\" campaign offered by Metal Pay is contingent upon meeting specific terms and conditions. To qualify for this campaign, individuals must be a registered Metal Pay customer. Additional entries into the weekly drawing are granted for each activity within the Metal Pay product (such as purchase, sale, trade, deposit, withdrawal)  in the past 7-days from the giveaway date, thus increasing the chances of winning for customers with multiple activities. Winners will be randomly selected every Monday thru July 31, 2024. Notifications will be sent through customers’ Metal Pay accounts and official Metal Pay social media channels. Participants can win a maximum of three times in a calendar year, after which they will be removed from the list of entrants.","Prizes, which consist of $BTC, will be credited to the winners Metal Pay account within 7-10 business days from their win date. \"Metal Pay Refer a Friend Giveaway\" is an on-going weekly campaign that begins on June 10, 2024, offering users an opportunity to win. It is crucial to acknowledge the inherent risks associated with cryptocurrency investments, including market volatility, and to invest only what one can afford to lose. Compliance with all relevant legal regulations, including those concerning cryptocurrencies and gambling, is mandatory for participants in their respective jurisdictions. Metal Pay and its affiliates are not liable for losses arising from market fluctuations or participant actions. Participants are advised to seek legal guidance and consult with regulatory authorities if unsure about the campaign's legality in their region. By engaging in \"Metal Pay Refer a friend Giveaway,\" participants demonstrate their comprehension and acceptance of these terms and conditions. Metal Pay retains the right to amend, suspend, or terminate the campaign as necessary. For further inquiries or concerns, participants are encouraged to contact Metal Pay's client services. This campaign serves entertainment and promotional purposes and should not be considered financial advice. Participants should approach cryptocurrency investments with caution and due diligence. No purchase necessary.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/refer-a-friend"},"/terms-au":{"version":1,"title":"Terms of Use — Metal Pay","description":"Metal Pay is a secure app for buying, selling, and trading cryptocurrencies. Terms of Use.","keywords":"","h1":["Metallicus, Inc. Terms of Service for AU"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","US","AUS","NZ","Metallicus, Inc. Terms of Service","Last updated: July 02, 2024","Metallicus, Inc. and its affiliates (collectively, “Metallicus,” “us,” “we,” or “our”) is offering you (“you” or “your”) access to various services offered by us through our websites and mobile applications related to payments and Digital Assets.","Please make sure that you read and understand these Terms of Service (“Terms”). These Terms represent a legal agreement between you and Metallicus that governs your use of the Services (defined below). To use the Services, you must agree to these Terms, our Privacy Policy, the E-Sign Disclosure and Consent Policy in Appendix 1, and any additional terms and conditions we disclose to you that may be associated with our Services (“Additional Agreements”). The Additional Agreements are incorporated into and made a part of these Terms.  If there is any conflict between these Terms and any Additional Agreements, the terms of the Additional Agreement will control for the specific Service to which those terms pertain. If you do not agree to these Terms (including without limitation all applicable Additional Agreements), please do not click the “I accept” box or use any of the Services, download or use any App, or create an Account.","We may modify these Terms from time to time. The revised Agreement will be effective as of the time it is posted but will not apply retroactively.  If we modify these Terms, we will post our modified Terms on our website or provide notice by email or otherwise through the Services or through other reasonable means. If our changes reduce your rights or increase your responsibilities, we will provide notice to you of at least 21 days before the changes become effective. By continuing to use the Services, you agree that you accept all the modifications to these Terms.  If you do not agree to the new Terms, you must stop using the Services. Notwithstanding the foregoing, we will not be required to give you prior notice of a change in these Terms if an immediate change in these Terms is necessary to maintain or restore the security of your Account or our systems.","Eligibility.","By accepting these Terms, you affirm that you (a) are at least 18 years old, or the age of majority in your jurisdiction (if higher), and (b) have full power and authority to enter into these Terms on your behalf and doing so will not violate any other agreement to which you are a party.","Digital Assets Risks.","You can change your risk preference at any time, although it may take us up to 3 Business Days to adjust accordingly to the purchase of Digital Assets.  DIGITAL ASSETS ARE NOT FDIC-INSURED OR OTHERWISE GUARANTEED OR BACKED BY ANY GOVERNMENT AGENCY AND PURCHASING THEM INVOLVES RISK BECAUSE THEY MAY LOSE VALUE. Please consider your objectives before registering for the Metal Pay Service. We do not guarantee any outcome and any projections are hypothetical in nature. Past performance is not a guarantee of future results. You are solely responsible for evaluating the risk associated with use of the Metal Pay Service. For specific information regarding the sale and purchase of Digital Assets please see our Disclosures Regarding Digital Assets policy in Section 39 (Disclosures Regarding Digital Assets) below. As with any asset, the value of Digital Assets can go up or down and there can be a substantial risk that you lose money by buying, selling, holding, or investing in Digital Assets. You should carefully consider whether trading or holding Digital Assets is suitable for you considering your financial condition and you should consult with your financial advisor, legal, or tax professional regarding your specific situation. Metallicus is not registered with the U.S. Securities and Exchange Commission or the Australian Securities and Investments Commission (ASIC) or the Australian Transaction Reports and Analysis Centre (AUSTRAC) and does not offer securities services in the United States or Australia, or to any person therein.","No Recommendations or Brokerage.","For the avoidance of doubt, you acknowledge that Metallicus is not authorised to and does not provide personal financial product advice (within the meaning of the Corporations Act), investment, tax, or legal advice, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance.","Metallicus may provide educational information about supported Digital Assets, as well as Digital Assets not supported by Metallicus, in order to assist users in learning more about such Digital Assets. Information may include, but is not limited to, blog posts, articles, links to third-party content, news feeds, tutorials, and videos. The information provided on our website or any such third-party sites is, unless otherwise indicated, factual information and does not involve any recommendation, statement of opinion, investment advice, financial product advice (within the meaning of the Corporations Act), trading advice, or any other sort of advice by Metallicus or any third party, and you should not treat any of the website's content as such. Metallicus does not recommend that any Digital Asset should be bought, earned, sold, or held by you. Metallicus will not be held responsible for the decisions you make to buy, sell, or hold Digital Assets based on the information provided by Metallicus.","Metallicus does not broker trades on your behalf unless otherwise specified on a specific product. All Metallicus trades are executed automatically, based on the parameters of your order instructions and in accordance with posted trade execution procedures.","You also acknowledge that Metallicus is not authorised to, and does not, deal with any financial products (within the meaning of the Corporations Act), including but not limited to acknowledging that the Digital Assets and MTL are not financial products (within the meaning of the Corporations Act) or otherwise made available by Metallics for the purposes of financial investment.","Limitation of Liability","The Metal parties’ (defined below) liability under these terms is limited with respect to your accounts and your use of the services. Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by the acl, or any other applicable law, that cannot be excluded, restricted or modified by agreement. In no event shall the etal parties be liable for lost profits or any special, incidental, punitive, exemplary, consequential damages (including without limitation damages for loss of data or loss of business), or taxes (including any applicable withholding taxes) arising out of or in connection with any of the services or these terms (however arising, including, without limitation, negligence), unless and to the extent such limitations are prohibited by law (including the acl). Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages incurred by you in connection with your use of our services or these terms in the 12 months preceding the applicable claim. In addition, and notwithstanding the foregoing, to the extent permitted by applicable law (including the acl), the parties are not liable, and you agree not to hold the Metal parties responsible, for any damages or losses (including, but not limited to, loss of money, digital assets, goodwill, business, reputation, profits, taxes (including any applicable withholding taxes), or other intangible losses or any special, indirect, exemplary, punitive, or consequential damages) resulting directly or indirectly from:","(a) your use of, or your inability to use, the services; (b) delays or disruptions in the services; (c) viruses or other malicious software obtained by accessing the services or any website or service linked to the services; (d) glitches, bugs, errors, or inaccuracies of any kind in the services or in the information and graphics obtained from them; (e) the content, actions, or inactions of third parties; (f) your need to modify your practices, content, or behavior, or your loss of or inability to do business, as a result of changes to these terms or our policies; or (g) a suspension or other action taken with respect to your accounts.","This is a comprehensive limitation of liability that applies to all losses and damages of any kind (whether indirect, general, special, consequential, incidental, punitive, exemplary or otherwise, including, without limitation, loss of data, income or profits), whether the claim is based on contract, tort (including, without limitation, negligence), strict liability or any other legal theory, even if an authorized representative of Metal has been advised of or should have known of the possibility of such damages, and without regard to the success or effectiveness of other remedies, provided that this limitation of liability only applies to the maximum extent permitted by applicable law (including the acl) and does not apply if the Metal parties are either grossly negligent or engaged in intentional misconduct, criminal conduct or fraud.","Prohibited Territories.","Some of our Services are available only in certain territories.  You cannot use those Services in any Prohibited Territory. By accessing or using a particular Service, you affirm that (a) you are a legal resident in one of the Allowed Territories, and (b) you will only use the Service if you reside in an Allowed Territory.  We will update these Terms and/or our websites as geographic updates become available.","Defined Terms.","The following capitalized terms used in these Terms have the following meanings. Any other capitalized terms used in these Terms will have the meanings we otherwise provide in these Terms.","“Acceptable Use Policy” has the meaning given in Section 19 (Metallicus Acceptable Use Policy) of these Terms.","“Account” means an account that you create with us to access or use the Services.","“Account Statement” means a statement showing your Account activity.","\"ACL\" means Schedule 2 to the Competition and Consumer Act 2010 (Cth).","“Allowed Territories” means the territories set forth in the Metal Pay regions guide.","“App” means any software application we provide for you to use our Services on a mobile device.","“Business Days” mean(s) Monday through Friday, excluding holidays when our offices are not considered open for business in the U.S.  Holidays include New Year’s Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington's Birthday (the third Monday in February), Memorial Day (the last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25).  If a holiday falls on a Saturday, we observe the holiday on the prior Friday. If the holiday falls on a Sunday, we observe the holiday on the following Monday.","\"Corporations Act\" means the Corporations Act 2001 (Cth).","“Digital Asset(s)” means anything that is created and stored digitally, is identifiable and discoverable, and has or provides value.","“Digital Asset Custodian” means Fireblocks Ltd. or Fireblocks Inc.","“Electronic Communication” means any and all communications, agreements, documents, notices, and disclosures that we provide to you electronically.","“Electronic Fund Transfer” means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, that is initiated through an selectronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct transmissions or withdrawals of funds, transfers initiated via telephone, website, or mobile application.","“Eligible Bank Account” means a bank account opened and maintained at a bank in the Australia.","“Eligible Credit Account” means an Eligible Bank Account, Valid Credit Card, or a Valid Debit Card.","“Identity Verification” means verifying your identity by providing your first name, last name, email address, address, state of residence, social security number, and a government ID with your recent photograph.","“Linked Account” means an Eligible Credit Account that you maintain at a bank or other financial institution and that is linked to your Metal Pay Service Account.","“Metal Pay Service” means the Metal Pay™ website and App that allows you to send and receive digital assets from friends and family, and buy and sell Digital Assets.","“Metal Pay Service Account” means your Account for the Metal Pay Service.","“Metal Parties” means Metallicus and its affiliates, and each of their respective directors, officers, employees, agents, joint ventures, licensors, shareholders, service providers and suppliers.  Affiliates include each entity that we control, is controlled by us, or is under common control with us.","“MTL” means our Metal Digital Asset tokens.","“OFAC Prohibited Territory” means all countries and jurisdictions on the OFAC Sanctions List, available at https://sanctionssearch.ofac.treas.gov/.","“Preauthorized Electronic Fund Transfer” means an Electronic Fund Transfer that you have authorized in advance to recur at intervals of 60 days or less; for example, direct remittances to or withdrawal of funds out of your Metal Pay Service Account.","“Prohibited Territory” means any state, territory, or country that is not one of the Allowed Territories.","“Restricted Activities” has the meaning given in Section 13 (Restricted Activities and Consequences) of these Terms.","“Services” means the Metal Pay Service and any other products and services we provide to you.","“Valid Credit Card” means a credit card issued by an eligible bank or financial institution bearing the Visa Inc., MasterCard International Inc., or DFS Services, LLC logo.","“Valid Debit Card” means a debit card issued by an eligible bank or financial institution bearing the Visa Inc., MasterCard International Inc., or DFS Services, LLC logo.","“WebAuth Wallet” means the WebAuth digital wallet services for Digital Assets      offered by third parties, which service is governed by the XPR Terms and Conditions.","Metal Pay Services","The Metal Pay Service allows you to:","send, receive, or request money from friends and family;","make payments to friends and family using your credit card, debit card; and","accept payments made by a credit card, debit card, and other payment methods from other friends or family.","Geographic Restrictions. The Metal Pay Services are not intended for use in the Prohibited Territories.  This means that to use the Metal Pay Services, you must reside in one of the Allowed Territories and use the Metal Pay Services only while located in one of the Allowed Territories.","Personal Use Only. The Metal Pay Services are only intended for use with friends and family. You are not allowed to create a Metal Pay Service Account if you are a business, and you cannot use your Metal Pay Service Account for business activities, including without limitation, retail transactions to sell goods or services. You may not use your Metal Pay Service Account on behalf of legal entities.","Suspension of Services. We may suspend or terminate your Account or your access to the Services indefinitely, for any fraudulent, abusive, or suspicious behavior or transaction.","One Account Per Person.  By registering for a Metal Pay Service Account, you can use the Metal Pay Service. Each person is allowed only one Metal Pay Service Account.","Custody, Control and Access to Financial Information.  We do not have or retain direct custody or control over funds or virtual currency in your Metal Pay Service Account, nor do we directly exchange or transmit funds or virtual currency or other Digital Assets to or from your Metal Pay Service Account. We do not directly hold, exchange, or transmit Digital Assets. All Digital Assets in your Metal Pay Service Account are held and exchanged and transferred to and from your Metal Pay Service Account and are under the custody of the Digital Asset Custodian. All services provided by the Digital Asset Custodian are subject to the applicable account agreement, their terms of service, privacy policies, and other applicable agreements and disclosures.  To provide the Metal Pay Services, you must give us access to your credit card and debit card transaction information, including, without limitation, the amounts of each transaction and the payee for each transaction, just as that information is available on your credit card or debit card statement.","Adding Money to Your Metal Pay Service Account. You may transfer money to your Metal Pay Service Account by requesting an Electronic Fund Transfer from your Linked Account.","Withdrawing Money from Your Metal Pay Service Account. This service is currently not available but is being planned in near future.","Sending Money or Digital Assets.","You can send money or Digital Assets to friends or family members who are on the Metal Pay Service using the send money feature in your Metal Pay Service Account (sometimes called “personal payments” or “P2P Payments”). You may not use your Metal Pay Service Account if you are a legal entity or on behalf of a legal entity. You cannot use your Metal Pay Service Account for business activities, including without limitation, retail transactions to sell goods or services, but you may use your Metal Pay Service Account to buy goods or services for your personal use. Further, you are prohibited from using your Metal Pay Service Account for P2P Payments to send Digital Assets or money to persons who are unknown to you.  You can send money or Digital Assets to a friend or family member that has an account with us at the time you send them money or Digital Assets, using their email address or mobile number, in any currency that Metallicus supports, and you can choose which payment method you want to use.  Receiving money or Digital Assets from a friend or family member is described under Section 4(l) (Receiving Money or Digital Assets).  We may, at our discretion, impose limits on the amount of money or Digital Assets you can send.  You can view your sending limit, if any, by logging into your Metal Pay Service Account. When you send money or Digital Assets to a friend or family member, the payment is automatically credited to the recipient’s account.","As a party initiating a transfer (“Sender”), you will send funds to your selected recipient (“Recipient”) by designating the Recipient and the transfer amount to us (a “Payment Instruction”). Your Payment Instruction authorizes us to move funds from your Linked Account to your designated Recipient. By submitting a Payment Instruction, you are also authorizing us to move funds to your Linked Account for P2P Payments that are canceled or otherwise returned.","We have no liability to you or anyone claiming on your behalf if we are unable to complete any transaction because of: (a) insufficient funds in your Linked Account; (b) malfunction of the Metal Pay Service due to circumstances beyond our control or due to circumstances that you were already aware of at the time you initiated your Payment Instruction; (c) inaccurate or insufficient Payment Instructions; or (d) failure of the Recipient to claim the P2P Payment.","Additional identification information will be required to send any one cash fiat transaction or in multiple cash fiat transactions over any 7-day period or to receive more than $1,000 in any 30-day period. Senders may not send more than $3,000 in any one transaction or in multiple transactions over any 7-day period, subject to some restrictions set forth in the Metal Pay Account limits guide. We may adjust these limits at any time at our discretion.","A service fee may be charged for sending funds via an Eligible Bank Account, Credit or Debit Card using the Metal Pay Service. The fee for P2P Payments will be displayed at the time of the transaction. We reserve the right to charge for or change the fees associated with use of the send money feature of the Metal Pay Service at any time. These fees may change from time to time, and most changes to these fees will be deemed effective at the time and date of posting. If these fees ever increase, we will provide advance notice to you. The fees applicable to sending money or Digital Assets will be disclosed to you in advance each time you initiate a transaction to send money or Digital Assets using the Metal Pay Service.  If you convert money or Digital Assets in your Metal Pay Service Account from one currency or type of Digital Asset to another before sending money or Digital Assets, you will also pay a currency or Digital Asset conversion fee for that conversion that we will calculate and apply using the most current market rate.  If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer. Metallicus is not liable or responsible for damages of any kind resulting from an intended recipient’s decision not to accept a payment made or attempted to be made from a Metal Pay Service Account.","Fee by Payment method: Not applicable","Payment Cancellation, Stop Payment Requests, and Refused Payments.  Our ability to stop a P2P Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on how the Payment Instruction was initiated, and whether the Payment Instruction has begun processing. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Bank Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law.  We assume no responsibility or liability, however, for any losses or damages if we are unable to reverse, adjust, reclaim or otherwise remediate any such P2P Payment.","Digital Assets Tiered Accounts and Transaction Limits. There may be transaction limits depending on the type of Account you have.  Such limits for the Metal Pay Service are set forth on the Metal Pay Service Account limits guide. The Metal Pay Service also offers a fee reduction for buying and selling Digital Assets in proportion to their in-App MTL token balance.  Please refer to the Metal Pay Service fee discounts guide for all tiers and discount amounts.","Receiving Money or Digital Assets.  If a friend or family member sends money or Digital Assets to you, the money or Digital Assets will appear in your Metal Pay Service Account.  If someone you do not recognize sends you money or Digital Assets, please contact us at help@metalpay.com.  Except as may be otherwise provided by law, there is no pre-set limit on the amount you can receive in your Metal Pay Service Account.","Payment review.  If Metallicus identifies a potentially high-risk transaction, we may review the transaction more closely before allowing it to proceed. When this happens, Metallicus will place a hold on the transaction. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action.  We assume no responsibility or liability for any losses or damages that result from our holding or canceling any transactions, which we may do in our sole and absolute discretion.","Invalid P2P Payments.  If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you authorize us to move funds from the applicable Linked Account in an amount equal to the P2P Payment.  We will not be liable in any way for any P2P Payments that you may receive, regardless of whether you authorized the Sender to send the funds.","Risk of Fraudulent Transactions.  The Metal Pay Service is a money transmission service.   It is your responsibility to assure that funds you send to anyone else are sent to persons you know and whose integrity you trust.  Funds that you send through the Metal Pay Service that are lost in a fraudulent transaction may not be recoverable and may result in your loss of funds with no recourse.  Metal Pay disclaims any responsibility or liability for the proper execution of any Payment Instruction that you give us, including if someone tricks you to send an instruction and you follow the instruction, even if the payment results in a loss to you.","Metal Pay Account Balance.","Functionality. Your balance consists of the funds you have in your Metal Pay Service Account that are available for new transactions and are not subject to pending transactions (your “Metal Pay Service Account Balance”). You are solely responsible for ensuring that your Metal Pay Service Account contains sufficient funds necessary to complete any payments you initiate through the Metal Pay Service and, subject to subsection v. below, we have no obligation to initiate or complete any payments you request if there are not sufficient funds in your Metal Pay Service Account or otherwise available to complete the transaction. You agree to reimburse Metallicus for any fees, costs, or expenses we incur because of insufficient or unavailable funds in your Metal Pay Account in connection with any payment you initiate through the Metal Pay Service.","Authorization. By instructing us through the Metal Pay Service to add funds from a Linked Account to your Metal Pay Service Account Balance or make any other transfer, you authorize us to debit such Linked Account for the amount instructed, either in a single or recurring transaction, as applicable.","Limitations. Metallicus may impose limits on the amount you can keep in your Metal Pay Service Account Balance and reserves the right to change these limits at any time.","Funding Your Metal Pay Service Account Balance.  Funding Sources from Linked Accounts include:","Debit. You may link a debit account to fund your Metal Pay Service Account Balance. To do so, you must have a Valid Debit Card.","Credit. You may link a debit account to fund your Metal Pay Service Account Balance. To do so, you must have a Valid Debit Card.","P2P Payments Received Through the Metal Pay Service. You can keep funds received from P2P Payments made to you through the Metal Pay Service in your Metal Pay Service Account Balance.","When you initiate a payment through the Metal Pay Service, if your Metal Pay Service Account Balance is sufficient to satisfy the full payment amount, you can choose whether you want the payment fulfilled by your Metal Pay Service Account Balance or a Linked Account. If you do not have sufficient funds in your Metal Pay Service Account Balance to cover the full transaction you may choose the funding source from one or more of your Linked Accounts.","Transferring Funds from Your Bank Account Using the Deposit Function.","Limitations. Metallicus may limit how many transfers you can initiate from your Metal Pay Service Account to your Eligible Credit Account and the amount of funds you can transfer in a single transaction. We reserve the right to delay or further limit such transfers while we screen for risk, or we may request you provide additional information to verify your identity, and we assume no responsibility or liability for any such delays or limitations. You may not transfer funds from your Metal Pay Service Account Balance to your Eligible Credit Account or Eligible Bank Account to evade a payment investigation. If you attempt to transfer your Metal Pay Service Account Balance while we are investigating, we may hold your funds at our discretion to protect Metallicus or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties, and other liability. We also may defer or redirect payout or restrict access to your funds as necessary to comply with applicable law, subpoena, or court order, or if requested by any governmental entity. You will remain liable for all obligations related to your Account even after the Account is closed.","Treatment of Funds.  Funds in your Metal Pay Service Account Balance will be segregated from Metallicus’ corporate funds.  Metallicus will not use your funds for any corporate purposes, nor will your funds be available to Metallicus’ creditors.","Electronic Fund Transfers.  The following disclosures explain our policies and requirements for electronic payments, deposits, transfers of funds and other electronic transfers to and from your Account(s). There may be limitations on account activity that restrict your ability to make Electronic Fund Transfers. Any such limits are disclosed in the appropriate agreements governing your Account. You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly.  In addition to the foregoing, all electronic fund transfers are governed by, and subject to, the rules and regulations of NACHA.","Unauthorized Transfers. Tell us at once if you believe your Account or PIN or other access information is lost or stolen, or if an Electronic Fund Transfer has been made without your permission or consent.  To tell us, message us immediately at help@metalpay.com to keep your possible losses to a minimum. You could lose all the money in your Account(s). If you tell us within 2 Business Days after learning of the loss or theft of your Account, PIN, or other access information, or after learning of any other unauthorized transfers from your Account, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. If you DO NOT tell us within 2 Business Days after learning of the loss, theft, or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500.  Also, if your periodic Account Statement shows unauthorized transfers and you DO NOT tell us within 60 days after the statement was delivered to you, you may not get back any money you lose after the 60-day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected loss or theft of your Account, PIN, or other access information or of any other suspected unauthorized transfer(s), the time periods specified in this Section 5 (a) (Unauthorized Transfers) may be extended for a reasonable period at our discretion.","Periodic Statements.  Your periodic Account Statements will contain information on your Electronic Fund Transfers for the relevant period.  These statements are provided to you without charge and are available for you to view in your Metal Pay Service Account.","Preauthorized Electronic Fund Transfers.  You must authorize a Preauthorized Electronic Fund Transfer to or from your Metal Pay Service Account. See How do I turn on/off Recurring Buys? for further details. A record of your transfer authorization can be found in your Metal Pay Service Account.  If you choose to authorize Pre Authorized Fund Transfers to your Metal Pay Service Account, we will provide you with confirmation via email only when the transfer is set up and when the trade is completed or fails. If we receive funds into your Metal Pay Service Account from another financial institution that has initiated a Preauthorized Electronic Fund Transfer, we will credit the amount of the transfer as of the date the transfer funds are received.","Stop Payments.  You may stop payment of a Preauthorized Electronic Fund Transfer from your Metal Pay Service Account by notifying us at help@metalpay.com at least 3 Business Days before the scheduled date of the transfer.  We may require you, in our discretion, to give us written confirmation of a stop payment order within 14 days of a written notification, by contacting us at help@metalpay.com.  If you do not provide us with written confirmation within 14 Business Days, your stop payment order will no longer be binding on us, and we will incur no liability if we honor the transfer request that is the subject of the stop payment order.","Our Liability for Certain Electronic Fund Transfer Errors. If we do not complete a transfer to or from your Metal Pay Service Account on time or in the correct amount according to these Terms, we will be liable for your losses or damages (subject to Section 1 (Limitation of Liability) above). However, we will not be liable: (a) if, through no fault of ours, you do not have enough money in your Metal Pay Service Account to make the transfer; (b) if circumstances beyond our control (such as fire or flood, or hardware or software failures not caused by us) prevent the transfer, despite reasonable precautions that we have taken; or (c) as otherwise stated in these Terms.","Fees for Services.  The Metal Pay Services may be offered without charge, or may be offered on a fee for services basis, including without limitation, ACH transaction and other Electronic Fund Transfer fees on deposits and withdrawals of funds.  We will provide reasonable notice of any fees and will give you the opportunity to close your Metal Pay Service Account before such fees or changes to fees become effective. Your continued use of the Metal Pay Services after any fee change(s) comes into effect constitutes your agreement to pay the fees. Except as required by law, fees are non-refundable.","Disclosure of Personal Information. In certain instances, we may disclose your personal information or information about your Account, including without limitation, financial information, to third parties. Such disclosure may include (without limitation) disclosure in response to a request from federal, state, or local law enforcement authorities or governmental regulatory agencies, to third parties that assist us with administrative activities associated with your Account, or when we conduct internal investigations that may include your Account.  Please refer to our Privacy Policy at https://www.metalpay.com/privacy-policy.html for a fuller description of circumstances under which we may disclose your personal or Account information to others.","Accounts.","Registration.  Use of any of our Services requires you to create an Account. Your Account Information must be true, complete, and accurate, as prompted by the registration form. In addition, you agree to update your Account as necessary to keep it current, true, complete, and accurate. To register, open and use an Account, Metallicus may require that you submit certain Account Information.","Account Information.  You represent and warrant that (i) you own the email or mobile phone number you register with; and (ii) all information entered or collected in the course of creating your Account, and any information you subsequently add or update from your settings, including without limitation, bank account information, your first name, last name, email address, phone number, street address, state of residence, social security number, or government ID (“Account Information”), is true and accurate.","Authentication.  The first time you access your Account using a new device we may require you to authenticate your Account through two-factor authentication or similar means, or by requesting additional information. If your Account cannot be verified, you may be required to set up a new Account. You acknowledge and agree that your provision of your mobile telephone number creating or updating your Account Information constitutes acceptance to receive text messages for purposes of two-factor authentication.","Validation.  You hereby authorize Metallicus, directly or through third parties, to make any inquiries we consider necessary to validate your identity or authenticate your identity and Account Information. This may include asking you for further information or documentation about your Account usage or identity, requiring you to provide your date of birth, and other information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources. We may also ask to see your driver’s license or other identifying documents at any time. If you use certain features of the Services, federal or state laws or regulations require that Metallicus verify some of your information. Metallicus reserves the right to close, suspend, or limit access to your Accounts with us and/or the Services in the event we are unable to obtain or verify this information.  We may terminate your Account immediately if you provide, or we suspect you provided, inaccurate or false information or you refuse to provide information about your identity.","To verify your identity for the use of our Services, we use the services of a third party provider, Incode. By validating your identity with our 3rd party provider you consent to Incode’s capture, collection, enrollment, use, retention, processing, and disclosure of a scan of your face geometry (i.e. faceprint) and information derived from scanning the barcode of your identification card for the purpose of verifying your identity pursuant to Incode's Privacy Policy [Privacy Policy | Incode ]. Incode shall store the data as set out in Incode's Privacy Policy [Privacy Policy | Incode ] which includes until the earlier of:  3 years for the state of IL, 1 year for the state of TX or when no longer needed for identity verification. By accepting this Agreement you acknowledge that you have read and agreed to Incode's Privacy Policy [Privacy Policy | Incode ] and you consent to Incode's collection, use and disclosure of your personal information to us to assist us to verify your identity.","Account Security. You are responsible for maintaining adequate security and control of all IDs, passwords, personal identification numbers, devices used by you for purposes of two-factor authentication, or any other codes that you use to access your Accounts, and you are solely responsible for the activities of anyone accessing any of your Accounts using your password, even if you did not authorize the activities. In addition, if you know or suspect your password has been compromised, you must promptly change your password. You may not use the password or ID of any other person to access any Service without that person’s express permission.","Required Notification for Unauthorized Use. If you know or suspect there has been an unauthorized use of or compromise of your Account or password, you must notify us immediately. Even if you give us notice, you could be held liable for losses incurred by us or somebody else due to another person using your Account or password. You can contact us at help@metalpay.com.","Number of Accounts. You are only allowed to have one Account in your own right and capacity for each Service.","Aliases.  You may select a personalized unique alpha-numeric name to identify yourself on the Metal Pay Service (a “Cash handle” or “Alias”). You must accurately and truthfully represent your personal identity that you may share with others to use the Metal Pay Service. You may not select an Alias that misleads or deceives others as to your identity or creates an undue risk of chargebacks or mistaken payments. We may require you to change your Cash handle, Alias, or details of your Account information in our sole discretion, and we may reclaim or make unavailable certain Cash handles or Aliases without liability to you.","Closing Your Metal Pay Service Account.","How You Can Close Your Metal Pay Service Account. You may close your Metal Pay Service Account by discontinuing use of the Metal Pay Service and contacting help@metalpay.com to close your Metal Pay Service Account.","How We Can Close Your Account. We may close your Account or indefinitely ban you from accessing the Services at any time, with or without notice for any reason, in compliance with applicable law.  All determinations of termination for cause will be made in our sole discretion and we will not be liable to you or any third-party for suspension or deletion of Account or your inability to access the Services. Termination of your Account for cause may include, without limitation, the following:","Breaches or violations of these Terms or any of our policies, including engaging in any Restricted Activities;","Requests by law enforcement or other government agencies;","Unexpected technical or security issues or problems; or","You do not perform a transaction in your Account for 2 years or more.","When You Are Not Allowed to Close Your Account. In certain cases, you may not close your Account, including without limitation:","To evade an investigation by us or any governmental authority;","If you have a pending transaction or an open dispute or claim; or","If your Account is subject to a hold, limitation, or reserve.","What Happens When Your Metal Pay Service Account Is Closed. When you close your Metal Pay Service Account, we will cancel any scheduled or incomplete transactions. You must withdraw any balance from your Metal Pay Service Account prior to closing it.  You will remain liable for all obligations related to your Metal Pay Service Account even after the Account is closed. If we close your Metal Pay Service Account or terminate your use of any of the Metal Pay Service for any reason, we will provide you with reasonable notice of our actions and subject to our rights under these Terms, make any unrestricted funds held in your Metal Pay Service Account available for withdrawal or return those funds to your Linked Account. In some cases, we may be required by law, court order, subpoena or other legal process or action to hold the funds or disperse them in another manner. If your Metal Pay Service Account is terminated for any reason, any transaction credit accumulated for you will be canceled.","Dormant Accounts. If you do not perform a transaction in your Account for 18 months, unless otherwise stipulated by federal or state law, Metallicus reserves the right to charge monthly dormancy fees to cover the costs of safe custody of assets, to the extent permitted by applicable law. If you do not perform a transaction in your Accounts with us for 2 or more years, Metallicus may close your Account and send the balance to your bank account, primary address or, if required by applicable law, escheat (send) your balance to the state unclaimed property administrator of your state of residency or as otherwise required by applicable law.","Account Statements and Account Records. You may view your transaction history within the App by logging into your Account.  We also offer an annual tax statement that you may receive by requesting a copy from our client services team.","Taxes and Information Reporting.","We do not charge or collect for any taxes, levies, duties, or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, or any other taxes assessable by any jurisdiction (collectively, “Taxes”).  It is your responsibility to determine what, if any, Taxes apply to the payments you make or receive, to your Digital Assets trades, or to your transactions on the Metal Pay Service. It is solely your responsibility to assess, collect, report, and remit the correct Taxes to the appropriate authority. You agree that Metallicus is not responsible for determining whether any Taxes apply to your transactions, or for calculating, collecting, reporting, or remitting any Taxes on your behalf or for any transaction.","You will indemnify the Metallicus Parties and hold them harmless for all actions, suits, proceedings, claims, demands, judgements, costs, and expenses (including without limitation attorney’s fees), losses and damages, in each case regarding Taxes (including, without limitation, any interest and penalties), resulting directly or indirectly from any of your transactions through the Services.  We may at our sole discretion, withhold from all amounts otherwise payable to you by us such federal, state, local and non-U.S. Taxes as may be required to be withheld pursuant to the applicable laws or regulations of any relevant jurisdiction and we may file reports with relevant tax authorities. You will promptly provide to us upon request all information regarding Taxes, including without limitation, an applicable IRS Form W-8 or W-9, as we determine in our sole discretion are necessary for us to determine our tax reporting and withholding obligations. We have the right to disclose any such information provided by you to us to a Tax authority or other regulatory authority, governmental authority, or judicial body, that has a reasonable claim of jurisdiction. If we fail to withhold any Taxes required to be so withheld by applicable law or regulation, you will indemnify us and all our affiliates for any amount paid on your behalf with respect to such Taxes (including, with limitation, any amounts related to interest, penalties, and other expenses such as attorney’s fees).","Payment Review. Metallicus reviews certain potentially high-risk, suspicious, or potentially fraudulent transactions.  If Metallicus determines, in its sole discretion, that a transaction is high-risk, suspicious, or potentially fraudulent, we may place a hold on the payment and provide notice to you.  Metallicus will conduct a review and either clear or cancel the payment. If the payment is cleared, Metallicus will provide notice to you through the applicable App. Otherwise, Metallicus will cancel the payment and the funds will be returned, unless we are legally required to take other action.","Reviews may result in:","Delayed, blocked, or canceled transfers;","Funds being held by Metallicus;","Account suspension or termination;","Funds being seized to comply with a court order, warrant or other legal process;","Funds you previously received being reversed (i.e., sent back to the sender’s Metal Pay Service Account or to the bank account that was used to fund the payment); and/or","Our making reports to federal, state, or local governmental or law enforcement agencies of information discovered during our reviews.","We may take one or more of these actions if you knowingly or unknowingly received a payment that was made from a compromised bank account, or compromised Metallicus Pay Service Account, whether your Metal Pay Service Account or another user’s Account, or for any other reasons authorized by law. In connection with our review process, we may ask for Identity Verification.  We may limit your Metal Pay Service Account and your access to funds in it until Identity Verification is completed.  We will not be responsible or liable for any losses incurred by you that may result from any payment reviews or actions that we may take because of a payment review.","Third-Party Payment Terms.  By using any of the Services and agreeing to these Terms, you also agree to be bound by any third-party payment terms, and you consent and authorize us and any third-party payment provider to share any information and payment instructions you provide with third-party service provider(s) to the extent required to complete your transactions. You are responsible for all transactions (one-time, recurring, and refunds) processed through any third-party payment provider. Metallicus will not be responsible or liable in any manner for loss or damage from errant or invalid transactions processed by any third-party payment provider. This includes transactions that were not processed due to a network communication error, or any other reason. If you enter into a transaction, it is your responsibility to verify that the transaction was successfully processed. Metallicus is not liable for any adverse effects that any actions (whether intentional or unintentional) on the part of any third-party payment provider may cause to you, your Account, or your business.","Restricted Activities and Consequences.","Restricted Activities. In connection with your use of our Services, or during your interactions with us, other customers of ours, or third parties, you will not engage in any of the following “Restricted Activities”.","Breach these Terms, including, without limitation, our Acceptable Use Policy and any other agreement between you and Metallicus, or violate any Metallicus policy.","Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination, anti-money laundering and counter-terrorist financing, or false, misleading or deceptive conduct).","Infringe Metallicus’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.","Act in a manner that is defamatory, trade libelous, threatening, or harassing.","Provide false, inaccurate, or misleading information.","Send or receive what we reasonably believe to be potentially fraudulent funds.","Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us.","Attempt to benefit from a dispute by receiving or attempting to receive funds from both Metallicus and a financial institution for the same transaction.","Control an account that is linked to another account that has engaged in any of these Restricted Activities.","Use the Service in any of the following ways:","in a manner that results in or may result in fees, fines, penalties or other liability or losses to us, our other customers, third parties or you;","use any Account or the Services in a manner that Metallicus, NACHA, the debit and credit card networks or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules;","allow your Metal Pay Service Account to have a negative balance.","access the Service from, or transfer funds to or from, any Prohibited Territories;","take any action that imposes an unreasonable or disproportionately large load on our infrastructure; facilitate any viruses, trojan horses, malware, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our Services;","take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers;","circumvent any Metallicus policy or determinations about your Account such as temporary or indefinite suspensions or other Account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create a new or additional Account when an Account has a negative balance or has been restricted, suspended or otherwise limited; creating new or additional Accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s Account with us;","harass and/or threaten our employees, agents, or other users;","create multiple Accounts;","send money without sufficient funding in a Metal Pay Service Account;","in a manner that is not for its intended purpose;","in any way that triggers an investigation or inquiry by a governmental or regulatory agency or authority; or","with the intent or effect of engaging in deceptive or manipulative conduct, including manipulating one or more financial markets.","Actions We May Take if You Engage in Any Restricted Activities. If we believe that you have engaged in any of the Restricted Activities, we may take several actions to protect Metallicus, its users, and others at any time at our sole discretion.  The actions we may take, and your liability may include, but are not limited to, the following:","terminate these Terms and/or close or suspend any Account with us, immediately and without any penalty to us, and we may refuse to provide the Service to you in the future;","limit your access to our websites, your Account or the Services, including limiting your ability to send money with any of the payment methods linked to your Metal Pay Service Account or restricting your ability to send money or make withdrawals;","hold your balance for up to 180 days, or longer as required by applicable laws and regulations, if reasonably needed to protect against the risk of liability or if you have engaged in Restricted Activities or violated our Acceptable Use Policy;","update inaccurate information you provided us;","take legal action against you pursuant to these Terms;","If you have engaged in Restricted Activities or violated our Acceptable Use Policy, then you are also responsible for damages to Metallicus or any third party caused by your actions; and","report the Restricted Activities to federal, state, or local governmental or law enforcement agencies.","We may invalidate or reverse payments if, among other reasons, we sent the payment to you in error, the funding transaction was declined or reversed, the payment was unauthorized or unfunded, or if the payment was for activities that violated these Terms or any other agreement with us. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties, and other liabilities incurred by Metallicus, any Metallicus user, or a third party caused by or arising out of your breach of these Terms, and/or your use of the Service. You will reimburse Metallicus, any Metallicus user, or a third party for all such losses, claims or other liabilities.","Holds and Limitations.","Holds Based on Metallicus’s Risk Decisions. We may place a hold on payments sent to your Metal Pay Service Account with or without notice to you, if, in our sole discretion, we believe that (i) there may be a high level of risk associated with you, your Metal Pay Service Account, or your transactions; (ii) placing such a hold is necessary to comply with state or federal regulatory requirements; or (iii) for purposes of us conducting or assisting in an investigation into your compliance with these Terms.  We make decisions about whether to place a payment hold based on several factors, including, without limitation, information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your Metal Pay Service Account with an indication that they are unavailable or pending.  Risk-based holds generally remain in place for up to 48 hours from the date the payment was received into your Metal Pay Service Account.  Depending on the facts and circumstances, we may release the hold earlier or later under certain circumstances, in each case at our sole discretion.","Limitations. We may impose limitations that prevent you from completing certain actions with your Metal Pay Service Account, such as withdrawing, sending, or receiving money.  These limitations are implemented to help protect Metallicus, buyers, and sellers when we notice Restricted Activities or activity that appears to us as unusual or suspicious.  These limitations also help us collect information necessary for keeping your Metal Pay Service Account with us open.  There are several reasons why your Metal Pay Service Account could be limited, including, without limitation:","we suspect someone could be using your Metal Pay Service Account without your knowledge, in which case we will limit it for your protection and investigate the fraudulent activity;","to comply with regulatory requirements, for example, those designed to prevent money laundering and other financial crimes;","due to policies we have in place to ensure we follow applicable law;","if we reasonably believe you have engaged in Restricted Activities or violated our Acceptable Use Policy.","Removing Limitations. To remove the limitation and restore your Metal Pay Service Account, you will need to resolve any issues with the Metal Pay Service Account, often by providing information to us, although there may be certain situations where there is no specific action that you can take to help remove the limitation (for example, the limitation is put in place due to policies we have to ensure that we follow applicable law). If you find that your Metal Pay Service Account has been limited, you should either review the Electronic Communication you receive from us informing you that your Metal Pay Service Account is limited or log in to your Metal Pay Service Account for additional details about the limitation on your Account. You can also contact us at help@metalpay.com to discuss any limitations on your Account.","Court Orders, Regulatory Requirements, or Other Legal Process. If we are notified of a court order or other legal process (including, without limitation, garnishment or any equivalent process) affecting you, or if we otherwise believe we are required to do so to comply with applicable law or regulatory requirements, we may be required to take certain actions, including, without limitation, holding payments to/from your Metal Pay Service Account with us, placing a limitation on your Metal Pay Service Account, or releasing your funds.  We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement, or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to determine the validity of or otherwise contest or appeal any court order or legal process involving you or your Metal Pay Service Account. When we implement a hold or limitation because of a court order, applicable law, regulatory requirement or other legal process, the hold or limitation may remain in place longer than 180 days.","Unauthorized Transactions. To protect yourself from unauthorized activity in your Account, you should regularly log into your Account and review your Account Statement.  Metallicus will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed.","What is an Unauthorized Transaction.  An “Unauthorized Transaction” occurs when money or Digital Assets are sent from your Metal Pay Service Account that you did not authorize and that did not benefit you.  For example, if someone steals your password, uses the password to access your Metal Pay Service Account, and sends a payment from your Metal Pay Service Account, an Unauthorized Transaction has occurred.","What is Not Considered an Unauthorized Transaction.  The following are NOT considered Unauthorized Transactions:","If you give someone access to your Metal Pay Service Account with us (by giving them your login information) and they use your Metal Pay Service Account without your knowledge or permission.  You are responsible for transactions made in this situation.","Invalidation and reversal of a payment because of a refund, reversal, chargeback, or error resolution.","Reporting an Unauthorized Transaction.  Tell us IMMEDIATELY if you believe your login information has been lost or stolen, or if you believe that an Electronic Fund Transfer has been made without your permission using your login information. You could lose all the money in your Metal Pay Service Account. If you believe your login information has been lost or stolen, immediately contact us at: help@metalpay.com if related to a Metal Pay Service Account. Please let us know if you believe there is an Unauthorized Transaction on your Metal Pay Service Account. Subject to and your compliance with these Terms, we will protect you from Unauthorized Transactions in your Metal Pay Service Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the Error resolution procedures in Section 16.d (Error Resolution) below.","Error Resolution.","What is an Error?  An “Error” means the following:","when we incorrectly take or place money or Digital Assets from or in your Metal Pay Service Account;","you send a payment and we debit the incorrect amount from your Metal Pay Service Account;","you withdraw Digital Asset keys from your Account and we incorrectly document the transaction in your Metal Pay Service Account;","we credit an incorrect amount to your Metal Pay Service Account;","we incorrectly calculate Transaction Credits in your Metal Pay Service Account;","A transaction is missing from, or we do not properly identify it in your Account Statement;","We make a computational or mathematical error related to your Metal Pay Service Account; or","You request documentation that is required regarding a Preauthorized Electronic Fund Transfer or periodic statement, or for additional information or clarification concerning an Electronic Fund Transfer, including a request you make to determine whether an error exists.","In Case of Errors or Questions About Your Electronic Fund Transfers","contact us at: help@metalpay.com to notify us of any Errors in your Metal Pay Service Account or for questions relating to your Metal Pay Service Account.","Notify us as soon as you can if you think your Account Statement or receipt is wrong or if you need more information about a transfer listed on the Account Statement or receipt. We must hear from you no later than 60 days after we sent the FIRST Account Statement or receipt on which the problem or error appeared.","Tell us your name and Metal Pay Service Account number.","Describe the Error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.","Tell us the dollar amount or Digital Asset amount of the suspected error. We may require that you send us your complaint or question in writing within 10 Business Days. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of an Error, the time periods for notification may be extended for a reasonable period.","We will investigate promptly and, except as otherwise provided in this paragraph, will determine whether an Error occurred within 10 Business Days of receiving a notice of Error. We will report the results to you in writing within 3 Business Days after completing our investigation. We will correct the Error within 1 Business Day after determining that an Error occurred.","If we are unable to complete our investigation within 10 Business Days, we may take up to 45 days from receipt of a notice of Error to investigate and determine whether an Error occurred, if we do the following:","provisionally credit your Metal Pay Service Account in the amount of the alleged Error (including without limitation interest where applicable) within 10 Business Days of receiving the Error notice. We do not need to provisionally credit your Metal Pay Service Account if we do not receive written confirmation within 10 Business Days;","inform you within 2 Business Days after the provisional crediting, of the amount and date of the provisional crediting and give you full use of the funds during the investigation;","correct the Error, if any, within 1 Business Day after determining that an Error occurred; and","reports the results to you within 3 Business Days after completing our investigation (including, if applicable, notice that a provisional credit has been made final).","Extension of time periods. The time periods described above may be extended as follows:","Extension of 10-Day Time Period. The time limit for resolution is extended to 20 Business Days in place of 10 Business Days if the notice of Error involves an Electronic Fund Transfer to or from the Metal Pay Service Account within 30 days after the first remittance to the Metal Pay Service Account was made; or","Extension of 45-Day Time Period. The time limit for resolution is extended to 90 days in place of 45 days for completing a more extended investigation, if a notice of Error involves an Electronic Fund Transfer that occurred within 30 days after the first remittance to the Metal Pay Service Account was made.","For Errors involving new Metal Pay Service Accounts, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Metal Pay Service Accounts, we may take up to 20 Business Days to credit your Metal Pay Service Account for the amount you think is in Error.","If we decide that there was no Error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.","Processing Errors.","We will rectify any processing Error that we discover.  If the Error results in:","Your receiving less than the correct amount to which you were entitled, then we will credit your Metal Pay Service Account for the difference between what you should have received and what you actually received;","Your receiving more than the correct amount to which you were entitled, then we will debit your Metal Pay Service Account for the difference between what you received and what you should have received.","We will not rectify Errors if:","Through no fault of ours, you did not have enough available funds or Digital Assets to complete the transaction;","Our system was not working properly, and you knew about the malfunction when you started the transaction; or","The Error was due to extraordinary circumstances outside our control (such as fire, flood, or loss of Internet connection), despite our reasonable precautions.","Processing Errors are not:","Delays that result from Metallicus applying holds or limitations in accordance with these Terms;","Delays based on a payment review in accordance with these Terms; or","Your errors in making a transaction (for example, mistyping an amount of money that you are sending).","Communications Between You and Us.  We may communicate with you about your Account and the Services as described in Section 18 (Electronic Communications) below.  You will be considered to have received a communication from us, if it is delivered electronically, 24 hours after the time we post it to our website or email it to you.","Text Messages.  By providing us with a mobile number, you authorize and submit signed consent to receiving recurring telemarketing, informational, or transactional text (SMS) messages or calls from us or our affiliates using an automatic telephone dialing system to the telephone number associated with your Account or any future telephone number provided by you to us. Consent is not a condition of purchasing property, goods or services from us or our affiliates. If you provide us with the mobile number of any other person or entity when initiating or requesting a payment through the Service, you represent and warrant to us that the person or entity has consented to receive text messages from us related to your Account and that such text messages are sent on behalf of you by us. Standard text messaging rates may apply based on your plan with your mobile carrier.","Phone Calls. If you provide us your mobile phone number, you agree that, in addition to the purposes identified in Section 17(a) (above), we may contact you at that number to: (i) service your Account with us, (ii) investigate or prevent fraud, or (iii) collect fees due or claw back funds fraudulently obtained hereunder.","Sharing. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above. Subject to Section 7 (Disclosure of Personal Information), we will not share your mobile phone number with third parties for their own purposes without your consent.  You can review your Account and privacy setting in your Account settings at www.metalpay.com.","Monitoring and Recording. To the extent permitted by law, Metallicus may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with Metallicus or its agents for quality control and training purposes or for our own protection, and for purposes otherwise set out in our Privacy Policy. While your communications with Metallicus may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by Metallicus, and Metallicus does not guarantee that recordings of any telephone calls will be retained or retrievable.","Electronic Communications.  By agreeing to these terms and opening an Account, you represent that you can receive and retain, and consent to receive, electronically all Electronic Communications that we provide in connection with your Accounts with us and your use of our Services as further described in Appendix 1.","Metallicus Acceptable Use Policy.  You are independently responsible for complying with all applicable laws in all your actions related to your use of the Services, regardless of the purpose of the use. You may not use the Services for activities that:","violate any law, statute, ordinance or regulation;","are fraudulent;","relate to transactions involving (i) tobacco products, online pharmacies, narcotics, cannabis, steroids, certain controlled substances (including without limitation, cannabis or cannabis products), products that present a risk to consumer safety, (ii) drug paraphernalia, (iii) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (iv) stolen goods including without limitation, digital and virtual goods, (v) the promotion of hate, violence, racial intolerance or the financial exploitation of a crime, (vi) items that infringe or violate any copyright, patent, trademark, trade secret, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, including without limitation, transactions that involve counterfeit goods, (vii) prostitution, (viii) ammunition, firearms, or certain firearm parts or accessories, or (ix) certain weapons or knives regulated under applicable law;","relate to transactions that (i) show the personal information of third parties in violation of applicable law, (ii) support pyramid or Ponzi schemes, matrix programs, other \"get rich quick\" schemes or certain multi-level marketing programs, (iii) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (iv) are for the sale of certain items before the seller has control or possession of the item, (v) are by payment processors to collect payments on behalf of merchants, (vi) are associated with the sale of traveler's checks or money orders, (vii) involve certain credit repair, debt settlement services, credit transactions or insurance activities, (viii) involve offering or receiving payments for the purpose of bribery or corruption, or (ix) involve outbound telemarketing;","involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent;","involve collecting donations as a non-verified 501(c)(3) charity or non-profit organization;","constitute or include acting as a money-transmitter;","constitute or include selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property, or providing escrow services;","constitute or include gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether legally defined as gambling) and sweepstakes; or","involve pornography, obscene material or otherwise objectionable content or activities; or are defamatory, libelous, unlawfully threatening or unlawfully harassing.","Term and Termination.","Term.  These Terms will continue until terminated. Metallicus, in its sole discretion, reserves the right to terminate these Terms, access to its website, App, or access to any aspect of the Services for any reason and at any time upon notice to you (except as otherwise provided in these Terms) and payment to you of any unrestricted funds held in your Metal Pay Service Account.","Termination.  You may terminate your use of the Services at any time and for any reason by deactivating your Account and discontinuing your use of all the Services, including but not limited to removing our Apps and other materials we provided to you from all your devices.  If your Account is terminated, we will make reasonable efforts to make any content you provided or information about your Account inaccessible to third parties not involved in the provision of our Services.  Any such content or information may be retained in caches or backups, and copies of or references may persist indefinitely due to the nature of the Service and the internet.  Notwithstanding termination of the Terms, all provisions that logically should survive termination for the protection of Metallicus’s rights and protection of your rights will survive and will remain in full force and effect after termination, including, without limitation, sections pertaining to suspension or termination, Account cancellation, debts owed to Metallicus, general use of the Services, intellectual property rights, indemnity obligations, disputes with Metallicus, and general provisions.","Digital Asset Title; Setoff.","Title to the Digital Assets in your Account will remain with you and will not transfer to us. Such Digital Assets are not property of Metallicus, nor may they be loaned to Metallicus or sold, transferred or rehypothecated by Metallicus unless specifically instructed by you, or if such sale, transfer or rehypothecation is required by a valid court order, competent regulatory agency, government agency or applicable law. As owner of the Digital Assets in your Account, you will bear all risk of loss of such the Digital Assets. We have no liability for Digital Asset fluctuations or loss.  We may take or set off from any Digital Asset in your Account, or deduct from any obligations Metallicus may have to you, any fees or other obligations that you owe Metallicus or its affiliates.  These rights are in addition to other rights we may have to take, transfer, or charge from any assets or balance in your Account for obligations you owe Metallicus or its affiliates pursuant to these Terms.","Many Digital Assets are deemed fungible and we may treat them as such in connection with your use of the Services, but in each case we will be acting as your agent with respect to Digital Assets to which you hold title as set forth in Section 21(a) above. In such capacity as your agent, we may store Digital Assets in your Account in a variety of different ways, including across multiple blockchain protocols. For example, we may transfer the Digital Assets off of the primary blockchain protocol and store the Digital Assets on shared blockchain addresses (controlled by us or our affiliates) on alternative blockchain protocols in forms compatible with such protocols. All forms of the same Digital Asset that are held and made available across multiple blockchain protocols may be treated as fungible and the equivalent of each other.  By using the Services, you understand and agree to appoint Metallicus as your agent for such purposes, without the need for any further notice to or consent from you.","No Overdraft Services; Set Off Rights. We do not offer overdraft services or privileges with your Accounts, and you are expected to manage your Account so as not incur any overdrafts or negative balances.  If your Account becomes negative for any reason, that negative balance represents an amount that you owe us. Metallicus may deduct these amounts from funds that are in your Account or added to your Accounts later, either by you or from payments you receive.  If you have more than one Account with us, we may set off a negative balance in one Account against a balance in your other Account. Note that per Section 4(e) of these Terms, you are only allowed one Account.  If a negative balance is offset by Metallicus pursuant to this paragraph, it may be combined with another debit coming out of your Account. In addition to the above, if you have a past due amount owed to us, or our affiliates, we may debit your Account to pay any amounts that are more than 180 days past due.","Enforcement Costs.  If you fail to comply with any of these Terms in any material respect or any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law in any jurisdiction, a receiver is appointed for all or a substantial portion of your assets, or you make an assignment for the benefit of your creditors, we will be entitled to recover all reasonable costs or expenses (including without limitation, reasonable attorneys' fees and expenses) incurred in connection with the enforcement of these Terms to the extent permitted by law.","Assumption of Rights. If Metallicus invalidates and reverses a payment that you made to a recipient (either at your initiative or otherwise), Metallicus assumes your rights against the recipient and third parties related to the payment and may pursue those rights directly or on your behalf, in our discretion.","WebAuth Wallet.  Our Services may provide you access to the WebAuth Wallet.","Indemnification and Release.","Indemnification.  You will defend, indemnify and hold the Metallicus Parties harmless from any claim or demand (including without limitation, reasonable attorneys’ fees) made by any third party and any loss, expense, damage, tax, or cost incurred relating to or arising out of your breach or alleged breach of or noncompliance with these Terms, your access to or use of the Services, your violation of any law or the rights of a third party or the actions or inactions of any third party to whom you grant permissions to use your Accounts with us or access the Services on your behalf (including without limitation, negligent or wrongful conduct), except to the extent the loss arises in connection with our gross negligence, wilful miscoduct or fraud.","Release of Metallicus Parties. If you have a dispute with any other user of our Service, you release the Metallicus Parties from all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.","Disclaimer of Warranty. THE SERVICES ARE PROVIDED “AS-IS'' AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE EXTENT PERMITTED BY LAW (INCLUDING THE ACL), METALLICUS SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.  METALLICUS ALSO DOES NOT HAVE ANY CONTROL OVER THIRD PARTY DIGITAL ASSET PROVIDERS, OR TO THIRD PARTIES WHO ASSIST WITH IMPLEMENTING ANY OF THE SERVICES.  METALLICUS DOES NOT CONTROL, IS NOT RESPONSIBLE FOR AND MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO ANY USER OF OUR SERVICES OR THEIR CONDUCT. YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTION WITH OR RELIANCE ON ANY OTHER USER OF OUR SERVICE OR THEIR CONDUCT. YOU FURTHER UNDERSTAND THAT YOU MAY BE EXPOSED TO CONTENT FROM OTHERS THAT IS OFFENSIVE, INDECENT, OR OBJECTIONABLE. METALLICUS DOES NOT MAKE ANY REPRESENTATION OR WARRANTIES AS TO THE ACCURACY, CORRECTNESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY CONTENT APPEARING ON THE SERVICES. SUBJECT TO THE CONSUMER GUARANTEES PROVIDED FOR IN CONSUMER PROTECTION LEGISLATION (INCLUDING THE ACL) AND OTHER APPLICABLE LAW, METAL DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, OR SECURE ACCESS TO ANY PART OF THE SERVICE, AND OPERATION OF OUR WEBSITES OR APPS MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. METALLICUS WILL MAKE REASONABLE EFFORTS TO ENSURE THAT REQUESTS FOR ELECTRONIC DEBITS AND CREDITS INVOLVING ACCOUNTS ARE PROCESSED IN A TIMELY MANNER, BUT METALLICUS MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE PROCESSING BECAUSE THE SERVICES ARE DEPENDENT UPON MANY FACTORS OUTSIDE OF OUR CONTROL, SUCH AS DELAYS IN THE BANKING SYSTEM OR THE U.S. OR INTERNATIONAL MAIL SERVICE.  THIS DISCLAIMER APPLIES TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.","Intellectual Property. The Services, including without limitation, our Apps, all the software, software code comprising or used to operate all Accounts and all content, trademarks, copyrighted works, and other materials provided by Metallicus are owned by Metallicus and/or third-party licensors, and are protected by copyrights, trademarks, and other intellectual property rights.","License Grants, Generally.  Subject to the terms and conditions of these Terms, Metallicus grants you a revocable, non-exclusive, non-sublicensable, non-assignable, non-transferable, royalty-free limited license and right to access and use the Services in accordance with these Terms.  Any other use of the Services is strictly prohibited. Unless we give you permission in writing in advance, you will not reproduce, modify, rent, lease, loan, sell, distribute, mirror, frame, republish, download, transmit, create derivative works of or commercially exploit any materials that we provide or that are made available by third parties through the Service, in whole or in part, by any means. You will not alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile, or otherwise attempt to create any source code that is derived from the software that Metallicus provides to you.  You acknowledge that all rights, title, and interest to the Services are owned by Metallicus. You must not remove, alter, or obscure any copyright, patent, trademark or other proprietary or restrictive notice or legend contained or included in any part of the Services, and you will reproduce and copy all such notices and legends on all copies of any part of the Services that you can make under these Terms, if any. Any rights not expressly granted in these Terms are reserved.  Any third-party software application you use on the Metallicus websites or through the Service is subject to the license you agreed to with the third party that provides you with this software.  You acknowledge that Metallicus does not own, control nor have any responsibility or liability for any third-party software application you elect to use on the Metallicus websites and/or in connection with the Services.","License Grant from You to Metallicus; Intellectual Property Warranties. Metallicus does not claim ownership of the content that you provide, upload, submit or send to Metallicus.  Nor does Metallicus claim ownership of the content you host on third-party websites or applications that use Services to provide payments services related to your content.  When you provide content to Metallicus or post content using the Services, you grant Metallicus (and parties that we work with) a non-exclusive, irrevocable, royalty-free, fully assignable, perpetual, sublicensable, transferable, and worldwide license to use, copy, perform and display publicly, distribute, prepare derivative works, and otherwise exploit your content and associated intellectual property and publicity rights in whole or in part, in any form, format or medium.  Metallicus will not compensate you for any of your content. You represent and warrant that Metallicus’s use of your content will not infringe any intellectual property or publicity rights. Further, you represent and warrant that you own or otherwise control all the rights of the content you provide, and you will waive your moral rights and promise not to assert such rights against Metallicus. By posting content on our Services, you represent and warrant that the posting of your content does not violate these Terms or applicable laws. If you provide us any suggestions, input, comments, or feedback (“Feedback”) related to the Services, you agree that all Feedback is and will be given entirely voluntarily and that we are free to use, disclose, reproduce, license or otherwise distribute, and exploit the Feedback as we see fit, entirely without obligation or restriction of any kind on account of intellectual property rights or otherwise.","Use of Other Users’ Content. You may not use, copy, reproduce, distribute, publish, display, or perform, create derivative works of, transmit, sell, or in any way exploit any of the content posted by others except as expressly set forth in these Terms or allowed by law.","Assignment and Change of Control. You may not transfer or assign any rights or obligations you have under these Terms without Metallicus’s prior written consent.  Metallicus may transfer or assign these Terms or any right or obligation under these Terms at any time.  Any assignment in violation of these Terms is null and void. Without limiting the foregoing, if Metallicus is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.","Linked Sites. Metallicus may provide links to third-party websites or other resources (“Linked Sites”). Metallicus has no control over these Linked Sites and is not responsible for the operation of any Linked Site.  Metallicus offers these links as a convenience only, and the availability of any Linked Site is not an endorsement of the content, or any products or services available on these Linked Sites, or an endorsement of any Linked Site’s owners, or its providers. You acknowledge and agree that you access these Linked Sites at your own risk. Any interactions or business dealings with advertisers or third parties other than Metallicus found on or through our Service are solely between you and such advertiser or other third party. Without limiting any of the above, Metallicus will not be responsible or liable, directly, or indirectly, for any actual or alleged damage or loss caused by or in connection with use of or reliance on any such Linked Site.","Third Party Service Providers.  Our Apps work on applications linked to a particular device and operating system, such as Apple’s iOS operating system. Your use of the Services may be subject to separate agreements you may enter into with your mobile device operating system provider (e.g., Apple, Google, or Microsoft®), your mobile device manufacturer (e.g., Apple, Samsung®), your mobile service carrier (e.g., AT&T® or Verizon®), and other parties involved in providing your mobile device service, which we collectively refer to as “Third Party Service Providers.” You will comply with all applicable third-party terms of agreement when using the Services. We are not a party to those agreements, and we have no responsibility for the products and services provided by third parties. This agreement is between you and Metallicus, not with any Third-Party Service Providers. We are solely responsible for the Services and not for the services provided by any Third-Party Service Providers. Third Party Service Providers have no warranty obligations whatsoever with respect to the Services.","Computer Viruses. We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from Metallicus. Always log into your Account(s) exclusively through the Metallicus App or our website to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.","Consumer Fraud Warning. We are always looking for ways to help keep you even more secure.  So, stay on the lookout for some of these common scams:","Spoofing: a scammer sends forged or faked electronic documents or emails falsely claiming to be Metallicus or coming from Metallicus but asks you to send money outside your Accounts with us.","Relative in Need: a scammer impersonates a family member (commonly grandchildren) and claims there is an emergency requiring you to send money.","Lottery or Prize: a scammer informs you that you’ve won a lottery or prize and must send money to claim it.","Debt Collection: a scammer impersonates a debt collector and induces you to send money using threats or intimidation.","Employment Related: a scammer instructs you to send money in connection with a fraudulent offer of employment.","Always use common sense when sending money or Digital Assets.  If something sounds too good to be true, it probably is. Only send money or Digital Assets for yourself and not for others.  Please let us know immediately if you believe someone is trying to scam or defraud you by contacting us at help@metalpay.com if pertaining to your Metal Pay Service Account.","Entire Agreement. These Terms and the Additional Agreements sets forth the entire understanding and agreement between us and supersede all prior understandings and agreements between you and Metallicus with respect to the subject matter hereof.","Force Majeure. We are not liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, significant market volatility, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, pandemic, epidemic, other catastrophe or any other occurrence which is beyond our reasonable control.","Non-Waiver of Rights. These Terms will not be construed to waive rights that cannot be waived under applicable state money transmission or other laws in the state where you are located.  No failure on the part of any party to exercise, and no delay in exercising, any right hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right hereunder, or the written waiver thereof, preclude any other exercise of the same right or of any other right hereunder.","Severability. Nothing contained in these Terms shall be construed to require the commission of any act contrary to law, and if any provision of these terms is for any reason be held invalid, illegal, or unenforceable the same will not affect the validity of these Terms or of any other provision hereof and these Terms will be interpreted and construed as if such provision, to the extent invalid, illegal, or unenforceable, had not been contained herein.","Respect for the Information of Others.  If you receive confidential and/or private information about another Metallicus customer through the Service, you must keep the information confidential and only use it in connection with the Service.  You may not disclose or distribute any information about Metallicus users to a third party or use the information for marketing purposes unless you receive that user’s express consent to do so. You may not send unsolicited emails to a Metallicus customer or use the Service to collect payments for sending, or assist in sending, unsolicited emails to third parties.","Disclosures Regarding Digital Assets.","Use, Transfer, and Exchange of Digital Assets.  The use, transfer and exchange of some Digital Assets may be subject to applicable federal and state laws, including without limitation, rules and regulations promulgated by various regulatory agencies, such as the Australian Competition and Consumer Commission (ACCC), theAustralian Securities and Investment Commission (ASIC), the Australian Transaction Reports and Analysis Centre (AUSTRAC), the Securities and Exchange Commission, Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission, Internal Revenue Service and state money transmission or virtual currency business licensing agencies. U.S. federal and state laws and regulations on Digital Assets are subject to significant uncertainty and are evolving rapidly.  While we are making reasonable efforts to comply with applicable rules and regulations in the U.S., Australia and internationally with respect to our operations, we cannot predict nor guarantee that your use, transfer, or exchange of Digital Assets through our Services will not be subject to any such regulations, either now or in the future. Any change of Digital Assets regulations may have a material negative impact on your ability to use and transfer such Digital Assets and may cause you to lose all or a portion of the value of such Digital Assets.","Bank Fees.  Your bank may charge you fees for sending or receiving funds through our Services. For example, depending on your location, you may be charged currency conversion processing fees, international transactions fees, or other fees even when your transaction is domestic and does not require a currency conversion. Metallicus is not liable for any fees charged to you by your bank or other financial institution based on your usage of MTL or our Services.","Transparency Statement.  Metallicus does not in any way obscure the information that it requests or obtains. Due to the inherent transparency of blockchains, transactions to and from Metallicus are public and easily correlated. Attempting to use Metallicus to obscure transactions or assets in any way is pointless. Law enforcement has full access to blockchain information that goes in or out of our system. Metallicus will comply voluntarily with all legal reporting obligations and specific requests for information from it. As such, we reserve the right to provide information to law enforcement personnel and other third parties to answer inquiries; to respond to legal process; to respond to the order of a court of competent jurisdiction and those exercising the court’s authority; and, to protect Metallicus and our users.","Anti-Money Laundering and Counter-Terrorist Financing Statement. Metallicus is committed to full compliance with all applicable laws and regulations regarding Anti-Money Laundering and sanctions screening (“AML”).  Our policy is to prevent sanctioned/non sanctioned people engaged in money laundering, fraud, and other financial crimes, including without limitation, terrorist financing, from using the Services.  Metallicus and our third-party partners have robust policies and procedures to detect, prevent and report suspicious activity. To comply with OFAC requirements with respect to U.S. sanctions, and global sanctions, we screen our customer accounts against government sanctions lists. We report suspicious transactions to federal authorities in accordance with applicable law, as well as to the financial intelligence unit/regulator in the respective country.","How does this impact you?  As part of our AML procedures, we collect information from you to satisfy our “know your customer” (“KYC”) obligations. This means that we may request information from you due to a specific identification requirement or because of our watch list screening process. We may ask you to provide documentation to help confirm your identity or provide additional information regarding your activities.","When is this information requested? We may ask for this information during Account opening or as part of our Account review process, which we periodically conduct on our existing customers.","No Agency, Trustee or Fiduciary Relationship.  Metallicus is only a payment service provider. We do not: act as a custodian or escrow agent with respect to any money sent to you through our Service that has not been transferred; act as your escrow agent or trustee; enter into a partnership, joint venture, escrow agency, or employment relationship with you; guarantee the identity of any user or seller; or determine if you are liable for any taxes.","Digital Assets Prices, Exchange Rates, and Confirmations.","Digital Assets are not official currencies or financial products (within the meaning of the Corporations Act) and are highly experimental and risky.  The Services (which include but are not limited to purchasing Digital Assets on users’ behalf) attempt to provide accurate price and exchange rate information, but this information is highly volatile, it is determined by third parties and can change quickly without users necessarily being aware of these changes.","Exchange rates that you as a consumer receive when remitting payments to other consumers are calculated at the time your transaction is accepted.  Due to varying types and levels of security between blockchains and networks, your payment is typically considered “accepted” when Metallicus has verified three blockchain confirmations. Metallicus may occasionally accept a payment with zero confirmations, although this decision is at Metallicus’s sole discretion. It is important to note that a payment being broadcast to the blockchain network does not constitute an acceptance by Metallicus of that payment. The blockchain is responsible for confirming Digital Asset transactions and Metallicus is not liable for any loss due to, but not limited to, errors in the protocol, delays or any other breakdown relating to the blockchain.  Metallicus cannot confirm, cancel, or reverse Digital Asset transactions.","Metallicus is not liable for any errors, loss, or omissions due to sending Digital Assets to or receiving Digital Assets from incorrect wallet addresses, email addresses, entering incorrect transaction amounts, or any other information related to Digital Asset transactions by using the Service. It is your sole responsibility to use the correct Digital Asset addresses, email addresses, and transaction amounts when transacting.","Digital Assets are securely stored in a combination of online and offline storage. As a result, it may take up to 48 hours or more to facilitate Digital Asset transactions. By using the Services, you accept the risk that transactions may be delayed, and you agree not to hold Metallicus liable for any damages or loss due to delays.","The information contained on Metallicus websites, Services, or Apps does not constitute accounting, legal, financial, consulting investment or other professional advice. You bear all the risks from any decision to hold, purchase or sell Digital Assets on our Services, websites, and Apps and Metallicus will not be liable for any loss suffered.","Returns and Refund Policy.","IMPORTANT: Transactions in Digital Assets are, by their nature, generally irreversible, and their exchange rates are highly volatile and transitory. For these reasons, customers may only receive a refund if Metallicus has not yet completed the transmission. Once the asset has been transmitted, no refund is possible, even if the wrong address was provided to Metallicus. All sales after transmission are final.","Our Digital Assets. “MTL” is Metal’s proprietary Digital Asset. Some eligible transactions including sending or receiving payments for goods or services allowed by us at our discretion may earn MTL rewards if and when promotional programs are available and active.","Permissible Use.  You may only use the Services as a mechanism of software ledger entry translation between you and Metallicus. You are prohibited from using the Services for translating ledger entries with other parties, except for making and receiving payments as permitted under the Terms.","Costs. From time to time, we may need to spend time dealing with issues brought to us by customers. Where any customer issue is not caused by our negligence or oversight, we reserve the right to recover from the customer reasonable administrative costs spent addressing the customer issue.","Digital Assets Conversion.  Some uses of your Metal Pay Service Account require a currency conversion. Examples of such conversions include, without limitation, converting your Metal Pay Service Account balance in U.S. or Australian dollars to a Digital Asset, from one Digital Asset to another Digital Asset, or from a Digital Assets to U.S. or Australian dollars. Such conversions will be performed at the most current market rate established by a third-party partner. The exchange rate is displayed in the transaction information in your digital wallet with us.  Any such conversion may cause you to incur costs, including without limitation, those related to taxes (e.g., tax filing costs, tax liabilities).","Digital Assets Tax Disclosures.","Each user should consult with and must rely upon the advice of its own professional Tax advisers with respect to all U.S. federal income Tax, state or local Tax, and non-U.S. Tax treatment of MTL tokens and the purchase, sale, storage, and rewarding of Digital Assets through the Services.  The Tax treatment of the MTL tokens and all tokens generally is uncertain and there may be adverse Tax consequences for Service users that hold, receive, transfer, trade, and/or purchase the MTL or any other related tokens. The purchasing, transferring, receiving, or holding of, or investing in, MTL tokens may result in adverse tax consequences, including without limitation, withholding Taxes, income taxes and tax reporting requirements.  Metallicus does not intend to request a ruling from the U.S. Internal Revenue Service (“IRS”), Australian Tax Officeor any other tax authority or governmental agency on these issues.","On March 25, 2014, the IRS released Notice 2014-21, 2014-16 I.R.B. 938 (the “Notice”), which discusses certain aspects of the treatment of convertible virtual currencies for U.S. federal income tax purposes.  A “convertible virtual currency” is a digital currency that has an equivalent value in real currency or acts as a substitute for real currency.  The Notice provides that for U.S. federal income tax purposes a convertible virtual currency is considered “property” and not a “currency.” Further, the character of any gain or loss of a transaction involving a convertible virtual currency depends on whether it is a capital asset in the hands of the taxpayer.  Any Service user that chooses to transfer funds via the Services with the MTL token (instead of cash) may be required to report a gain or loss to the extent the user’s basis differs from the fair market value of the token at the time of the transfer.  That same tax exposure exists for those Service users that choose to sell their MTL token(s) on a secondary market.","There is no guarantee that the IRS will agree that the MTL token falls within the parameters of the Notice or that the IRS will not alter its position with respect to digital currency in the future or that a court would uphold the tax treatment set forth in the Notice.  In addition, Metallicus can provide no assurance that future legislation will not treat digital currency, including without limitation, MTL, as currency for U.S. federal income tax purposes. If treated as currency for such purposes, gains recognized on the disposition of MTL would constitute ordinary income, and losses recognized on the disposition of MTL could be subject to special reporting requirements applicable to “reportable transactions.”","Further, the Notice fails to address significant aspects of the U.S. federal income tax treatment of digital currency, including, without limitation: (a) whether convertible virtual currency is properly treated as a “commodity” or as a “collectible”; (b) the proper method of determining a holder’s holding period and tax basis for such acquired at different times or at varying prices; and (c) whether and how a holder of convertible virtual currency acquired at different times or at varying prices may designate for U.S. federal income tax purposes which units of the virtual currency are transferred in a subsequent sale, exchange or other disposition (e.g., last-in first-out).","Additionally, the IRS has increased enforcement actions on virtual currency transactions.  On July 2, 2018, the IRS announced a new compliance initiative on virtual currencies (the “Campaign”).  The purpose of the Campaign is to “address noncompliance related to the use of virtual currency through multiple treatment streams including outreach and examinations.”  Said another way, the IRS seems to have made it a priority to audit those returns with some level of virtual currency transactions; however, the breadth of the Campaign’s execution is unknown at this time, and it is likely to vary depending on the IRS’s successes and failures in the Campaign’s execution.","The US Infrastructure Investment and Jobs Act (2021) clarifies and expands the rules regarding the reporting of information on digital assets by brokers.","THE TAX ASPECTS OF MTL TOKENS AND THE PURCHASE, SALE, STORAGE, AND REWARDING OF DIGITAL ASSETS THROUGH THE SERVICES ARE COMPLEX, AND YOU SHOULD REVIEW THE TAX CONSIDERATIONS APPLICABLE TO THE SAME WITH A PROFESSIONAL ADVISOR THAT IS FAMILIAR WITH YOUR TAX SITUATION AND WITH THE SPECIFIC LAWS AND REGULATIONS APPLICABLE TO YOU AND DIGITAL ASSETS .  METAL PROVIDES NO GUARANTEE OR ASSURANCE THAT YOU WILL NOT SUFFER ADVERSE TAX CONSEQUENCES BY VIRTUE OF YOUR USE OF MTL TOKENS OR THE PURCHASE, SALE, STORAGE, AND REWARDING OF DIGITAL ASSETS THROUGH THE SERVICES.","Unlawful Internet Gambling Notice; Cannabis Transactions.  Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through your Account or your relationship with Metallicus.  Restricted transactions generally include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling. You will not use your Accounts to transfer or accept funds to or from any person that is engaged, directly or indirectly, in the possession, production or distribution of marijuana or cannabis products that are illegal under state or federal law.","Customer Feedback, Queries, Complaints, and Dispute Resolution.","Contact Metallicus. If you have feedback, or general questions, contact us via our Help Center webpage at https://help.metalpay.com.  When you contact us, please provide us with your name, and any other information we may need to identify you, your Metal Pay Service Account(s), and the transaction on which you have feedback or questions.  Metallicus requires that all legal documents (including without limitation, civil subpoenas, complaints, and small claims) be served on our registered agent for service of process. Please note that our registered agent will accept service only if the entity identified as the recipient of the document is identical to the entity registered with the Secretary of State and for which our registered agent is authorized to accept service. By accepting service of a legal document, Metallicus does not waive any objections we may have and may raise in response to such document.","Formal Complaint Process. If you have a dispute with Metallicus (a “Complaint”), you must contact Metallicus through our complaints mailbox at help@metalpay.com to attempt to resolve any such Complaint amicably. If we cannot resolve the Complaint through the Metal Pay client services team, you and we will use the formal complaint process set forth below. You must use this process before filing any mediation action.","Procedural Steps. If your Complaint is not resolved through your contact with Metal Pay client services, you must use our complaint form to describe your Complaint, how you would like us to resolve the Complaint, and any other information related to your Complaint that you believe to be relevant. The complaint form can be found on the Metal Pay Help Center at https://help.metalpay.com or can be requested from Metal Pay Client Services+ at help@metalpay.com.","Metallicus Response. We will acknowledge receipt of your Complaint form after you submit it. A Metal Pay client services office (\"Complaints Office\") will review your Complaint. The Complaints Office will evaluate your Complaint based on the information you provide and information in Metallicus’s possession. Within 15 Business Days of our receipt of your Complaint form, the Complaints Office will address the issues raised in your Complaint form by sending you an e-mail (\"Resolution Notice\") in which the Complaints Office will: (a) offer to resolve your Complaint in the way you requested; (b) decide on rejecting your Complaint and set out the reasons for the rejection; or (c) offer to resolve your Complaint with an alternative solution. In exceptional circumstances, if the Complaints Office is unable to respond to your Complaint within 15 Business Days for reasons beyond Metallicus's control, the Complaints Office will send you a communication indicating the reasons for any delay in answering your Complaint and specifying the deadline by which the Complaints Office will respond to your Complaint, which will be no later than 36 Business Days from our receipt of your Complaint form.","Dispute Resolution Mediation.  If you and Metallicus are unable to resolve your Complaint through the formal complaint process outlined above, you and we will resolve such Complaint as set forth in this section.  By agreeing to these terms, you agree that you are required to resolve any claim that you may have against any Metallicus on an individual basis in mediation, in accordance with the following:","(a) The parties must agree on a mediator within [10] Business Days of the cessation of the formal complaints process above.  If they fail to do so, any party may request from Australian Dispute Centre (ADC) / Australian Centre For International Commercial Arbitration (ACICA)] to appoint a mediator.","(b) Any mediator agreed by the parties or appointed by ADC / ACICA must be independent and impartial.","(c) The mediation must be commenced within 20 Business Days after the mediator has been appointed and must be concluded within 30 Business Days after the mediator has been appointed, unless otherwise agreed between the parties.","(d) The mediation can take place online or in person.","(e) The parties must in good faith co-operate with the mediator and must comply with requests by the mediator including requests to submit written materials, provide evidence, attend meetings and pay the mediator's fees.","(f) The parties agree that the mediation will be private and confidential and they undertake not to rely on or introduce as evidence in any arbitral or judicial proceedings, whether or not such proceedings relate to the Complaint that is the subject of the mediation, any matter relating to the mediation (including the existence of the mediation), any settlement agreement, materials created for the purpose of the mediation and documents produced by another party in the mediation except:","(i) for the purpose of making an application to a court of competent jurisdiction to enforce the settlement agreement;","(ii) pursuant to the order of a court of competent jurisdiction; or","(iii) if required by any federal or state laws which is binding on the party making the disclosure.","No party may commence any judicial proceedings in relation to the a Complaint unless:","(a) it has complied with any obligation on it under this section;","(b) those proceedings are commenced for the purpose of enforcing this section or to seek interlocutory relief; or","(c) following the procedures in the complaint process in sections [X] to [X] would mean that a limitation period for a cause of action arising from or relating to the Complaint will expire.","Metallicus’s Copyright Policy.  Metallicus will investigate claims of copyright infringement and take appropriate actions under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (\"DMCA\").  If you believe that any content on the Metal Pay website or accessible through our Services has infringed your copyright, you may submit a written notification of claimed copyright infringement to the following Designated Agent:","1429 Rollins Road Burlingame, CA 94010  USA","Attn: Legal Department","legal@metalpay.co","DMCA Notification.  To be effective, the notification must be written and include the following (please consult your legal counsel or see Section 512(c)(3) of the DMCA to confirm these requirements):","a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;","identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;","identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material; (providing URLs in the body of an email is the best way to help us locate content quickly);","information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;","a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;","a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.","After removing material according to a valid DMCA notice, we will immediately notify the individual responsible for the allegedly infringing material that we have removed or disabled access to the material.","How to Make a Counter Notification.  If you are a registered user of our services and you feel that material that you have placed online and that has been removed following an infringement complaint is in fact NOT an infringement, you may file a counter notification. Section 512 (g)(3) of the DMCA requires that, to be valid, the counter notification must be written and addressed to our Designated Agent (listed above) and must provide the following information:","a physical or electronic signature of the subscriber;","identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;","a statement under penalty of perjury that the subscriber has a good faith belief that the material was removed or disabled because of mistake or misidentification of the material to be removed or disabled; and","the subscriber’s name, address, and telephone number, and a statement that the subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the subscriber’s address is outside of the United States, for any judicial district in which the service provider may be found, and that the subscriber will accept service of process from the person who provided notification under or an agent of such person.","Our Designated Agent will present your counter notification to the person who filed the infringement complaint. Once your counter notification has been delivered, Metallicus is allowed under the provisions of Section 512 to restore the removed material in not less than ten or more than fourteen days, unless the complaining party serves notice of intent to obtain a court order restraining the restoration.","If you do not comply with all the requirements of this Copyright Policy, your DMCA notice, or counter notification may not be valid.  Only DMCA notices and counter notifications should go to our Designated Agent. If you send an email or notice to our Designated Agent without a proper subject line, or for purposes other than communication about copyright claims, we may not acknowledge or respond to your communication. Any other feedback, comments, requests for technical support, and other communications should be directed to our customer service at help@metalpay.com.","It is our policy to terminate, under appropriate circumstances, any accounts of individuals who are repeat copyright infringers, and reserves the right, in its sole discretion, to terminate any access by individuals for actual or apparent copyright infringement.","Disclosures for California Residents. In addition to reporting complaints against Metallicus directly to us as described in these Terms, if you are a California resident, you may report complaints to the California Department of Financial Protection and Innovation by mail at Department of Financial Protection and Innovation, Attn:  Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814 or online through its website at https://dfpi.ca.gov/file-a-complaint/.  The California Department of Financial Protection and Innovation helps with its complaint form by phone at 1-866-275-2677.","Governing Law. Except to the extent inconsistent with or preempted by federal law and except as otherwise stated in these Terms, the laws of the State of Delaware, without regard to principles of conflict of laws that require the application of the law of another jurisdiction, will govern these Terms and any claim or dispute that has arisen or may arise between you and any Metallicus entity.","Protocol Exclusions. Distribution and support for airdropped Digital Assets and forked protocols is solely at Metallicus’ discretion.  Metallicus does not support Digital Assets that are not listed on the Digital Assets offering page.","Digital Asset Payment Recovery. Digital Asset payments that are transferred into a wallet address that does not support the Digital Asset may not be credited to the account holder’s wallet. Metal Pay account holders can submit a payment recovery request by contacting help@metalpay.com. Metallicus reserves the right to charge a fee of 10% of the recovered amount but no less than $20 USDC or $20 USD fee to recover the Digital Assets if the error is not attributable to Metallicus.","APPENDIX 1 – E-SIGN DISCLOSURE AND CONSENT POLICY","E-SIGN Consent to Use Electronic Records and Signature.","We are legally required to provide you with certain disclosures and information about the use of electronic records and electronic signatures as well as the electronic delivery of disclosures, documents, notices, and other information.","Electronic Delivery of Disclosures and Notices.","The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”) and related state laws. As part of the application process, including the establishment and ongoing maintenance of your Account, you have the option to receive all required documents and disclosures electronically. In order for you to take advantage of this service, you must first be provided with this E-SIGN Disclosure and Consent document. If, after reading this document carefully, you continue to access and use the Services, that constitutes your affirmative consent to receive disclosures, notices, and other documents and all changes to the disclosures, notices, etc. (“Records and Communications”) electronically.","Your agreement permits us to communicate with you via email as well as to our general use of electronic records and electronic signatures in connection with the Services. You further agree that your computer or mobile device satisfies the hardware and software requirements specified below and that you have provided us with a current email address to which we may send electronic Records and Communications to you. If you do not consent to receiving Records and Communications or transacting via electronic records or signatures, you should not use the Services.","Types of Disclosures and Notices That Will be Provided in Electronic Form.","You agree that we may provide you with Records and Communications in electronic format. Your consent to receive electronic Records and Communications includes, but is not limited to:","All legal and regulatory disclosures, documentation, contracts, Terms, policies, rules and other communications related to the Services, including updates thereto;","Notices or disclosures about a change in the terms concerning the Services;","Account details, history, transaction receipts, confirmation, and any other Account or transaction information;","Privacy policies and notices;","Other communications that we may include from time to time as part of our products and services.","Providing Records and Communications in Electronic Form.","If you consent, we will provide Records and Communications to you in electronic form by (i) by email and hyperlinks included in emails, (ii) websites, (iii) mobile applications, (iv) mobile websites, or (v) SMS messages (including text messages).","Hardware and Software Requirements.","To receive an electronic copy of Records and Communications, you must have: (1) a personal computer or other device capable of accessing the internet; (2) internet access; (3) a valid email address and mobile device that can receive text messages; (4) a widely-used, recent- generation web browser (for example, Chrome or Internet Explorer); (5) a current version of a program that accurately reads and displays PDF files (such as Adobe Reader 10 or above);(6) a printer, hard drive or other storage capability.","Your access to this page verifies that your system/device/software meets these requirements listed above.","Additional Mobile Technology Requirements.","If you are accessing our website and any consents or disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save any such consents or disclosures presented to you during the Application process. These applications can be found for most mobile devices in the devices’ respective “app store”. If you do not have these capabilities on your mobile device, please access our website through a device that provides these capabilities.","Your enrollment in electronic services using our equipment.","If you attempt to utilize any of our Services through one of our customer service representatives or using our website or App, your Application may not be complete until you take additional action. We will advise you, at the time of your enrollment, of any additional action you must take. If you take the required action, it is an affirmation of your consent to use electronic records and signatures under the terms of this ESIGN Consent.","How to Withdraw Consent.","You may withdraw your consent to receive Records and Communications in electronic form by contacting us at help@metalpay.com. Withdrawing your consent will cancel your agreement to receive Records and Communications in an electronic format related to the Services and may impact your ability to use or access your Account. We reserve the right to cancel services provided to you if you withdraw your consent to receive Records and Communications in electronic form.","Any withdrawal of your consent to receive electronic Records and Communications will be effective only after we have a reasonable period of time to process your withdrawal. You will not be charged a fee for withdrawing your consent to receive electronic Records and Communications.","How to Update Your Information.","You are responsible to provide us with a true, accurate and complete email address, contact and other information related to this E-SIGN Disclosure and Consent, and to maintain and update promptly any changes in that information. You can update your information through the App and/or website.","Requesting Paper Copies.","We will not send a paper copy of any Records and Communications to you unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of your electronic Records and Communications by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy of any Records and Communications be mailed to you, contact us at help@metalpay.com.  Please be sure to state that you are requesting a paper copy of particular Records and Communications. You may be charged a fee for such a request.","Records and Communications in Writing.","All Records and Communications in electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this E-SIGN Disclosure and Consent and any other Records and Communications important to you.","Termination/Changes.","We reserve the right, in our sole discretion, to discontinue the provision of electronic Records and Communications, or to terminate or change the terms and conditions on which we provide electronic Records and Communications. We will provide you with notice of any such termination or change as required by law.","Please note that cryptocurrency come with risks, and their value can fluctuate. Ensure that you are well-informed about the cryptocurrency market before participating in this campaign. This campaign is subject to the terms and conditions of Metal Pay, and participants must comply with all relevant legal regulations.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/terms-au"},"/terms/legal-disclosures":{"version":1,"title":"Terms of Use — Metal Pay","description":"Metal Pay is a secure app for buying, selling, and trading cryptocurrencies. Terms of Use.","keywords":"","h1":[],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","Legal Disclosures","APPENDIX 1:","WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE","APPENDIX 2: State License Disclosures","FOR CONNECTICUT RESIDENTS","(1) Virtual currency is not backed or insured by the government and accounts and value balances are not subject to Federal Deposit Insurance Corporation, National Credit Union Administration or Securities Investor Protection Corporation protections;","(2) Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which may not be the date or time when the customer initiates the virtual currency transaction;","(3) The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the permanent and total loss of the value of a particular virtual currency, if the market for that virtual currency disappears;","(4) The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in a significant loss over a short period of time;","(5) Any bond maintained by the [owner or operator] licensee for the benefit of the customers of such [owner or operator] licensee may not be sufficient to cover all losses incurred by such customers; and","(6) Virtual currency transactions are irreversible and are used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer's loved one, threatening jail time, stating that a customer's identity has been stolen, insisting that a customer withdraw money from the customer's bank account and purchase cryptocurrency or alleging a customer's personal computer has been hacked.","California State-Specific Disclosures","The following disclosures are provided in accordance with the California Digital Financial Assets Law (Financial Code §§ 3500-3710) and apply solely to California residents who use our digital financial asset services.","1. Fees and Charges Disclosure (DFAL §3501(a)(1))","You will be provided with a screen on fees applicable to your digital financial asset transactions prior to each transaction. This includes, but is not limited to:","·      Exchange fees","·      Withdrawal or transfer fees","·      Any additional service-related charges","All fees will be disclosed clearly and conspicuously before you authorize a transaction. You will not be charged any undisclosed fees.","2. Insurance and Protection Disclosure (DFAL §3501(a)(2))","Digital financial assets held or transferred through our services are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any governmental insurance program.","If any portion of your assets is held by a third-party custodian, that custodian may maintain its own insurance policies; however, such insurance may not cover losses resulting from your use of digital financial asset services.","We do not guarantee reimbursement for losses arising from cybersecurity events, unauthorized access, or insolvency unless required by law.","3. Custody, Segregation, and Insolvency Disclosure (DFAL §3501(a)(3))","Digital financial assets held on your behalf may be custodied by one or more qualified custodians. Your assets are maintained in accounts segregated from company assets and are not commingled with our corporate funds.","In the event of our insolvency or bankruptcy:","·      Your digital financial assets are intended to remain your property.","·      They are not available to satisfy our creditors.","4. Transfer Irrevocability Disclosure (DFAL §3501(a)(4))","Most digital financial asset transfers are irreversible once submitted to the blockchain or network. You may not be able to reverse, cancel, or recover a transaction after authorization unless:","·      The transaction has not yet been broadcast to the network, or","·      Applicable law requires reversal.","You are responsible for verifying all transaction details, including recipient addresses, before authorizing a transfer.","5. Unauthorized, Mistaken, or Accidental Transfer Disclosure (DFAL §3501(a)(5))","You must notify us immediately if you believe a transfer was unauthorized, mistaken, or accidental.","Our responsibilities include:","·      Investigating reported unauthorized or mistaken transfers","·      Providing you our findings","·      Reimbursing you only where required by law or our policies","We are not liable for losses resulting from your failure to secure your account credentials, devices, or private keys.","6. Error-Resolution and Complaint Procedures (DFAL §3501(a)(6))","If you believe an error has occurred:","Contact Customer Support at Customer Service Phone: (628) 600-3419","Customer Support Email: help@metalpay.com","Provide your name, account information, and a description of the issue","We will acknowledge your complaint within 3 business days","We will provide a final written response within 15 business days, unless extended as permitted by law","You may also file complaints with the California Department of Financial Protection and Innovation (DFPI).","7. Material Changes Disclosure (DFAL §3501(a)(7))","We will provide you with advance notice of any material changes to:","·      Fees","·      Terms of service","·      Service availability","·      Any other terms that may affect your rights","Material changes will be communicated at least 30 days before they take effect, unless a shorter period is permitted by law.","8. Transaction Receipt Disclosure (DFAL §3509)","After each digital financial asset transaction, you will receive a receipt containing:","·      Transaction type","·      Digital asset type","·      Amount sent, received, or exchanged","·      All fees charged","·      Exchange rate used, if applicable","·      Date and timestamp","·      Transaction identifier or hash","·      Counterparty information, when available","Receipts will be provided electronically.","9. California Consumer Contact Information (DFAL §3501(a)(8))","If you have questions or complaints regarding your digital financial asset transactions, you may contact us at:","Metal Pay Inc.Customer Service Phone: (628) 600-3419","You may also contact the regulator:","California Department of Financial Protection and Innovation (DFPI)2101 Arena Blvd.Sacramento, CA 95834Phone: (866) 275-2677","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/terms/legal-disclosures"},"/terms-nz":{"version":1,"title":"Terms of Use — Metal Pay","description":"Metal Pay is a secure app for buying, selling, and trading cryptocurrencies. Terms of Use.","keywords":"","h1":["Metallicus, Inc. Terms of Service for NZ"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","US","AUS","NZ","Metallicus, Inc. Terms of Service","Last updated: Aug 1, 2024","1. Acceptance of Terms of Service","1.1. Metallicus, Inc. and its affiliates (collectively, “Metallicus,” “us,” “we,” or “our”) is offering you (“you” or “your”) access to various services offered by us through our websites and mobile applications related to payments and Digital Assets.","1.2. Please make sure that you read and understand these Terms of Service (“Terms”). These Terms represent a legal agreement between you and Metallicus that governs your use of the Services (defined below).","1.3. To use the Services, you must agree to these Terms, our Privacy Policy, the E-Sign Disclosure and Consent Policy in Appendix 1, and any additional terms and conditions we disclose to you that may be associated with our Services (“Additional Agreements”).","1.4. The Additional Agreements are incorporated into and made a part of these Terms.  If there is any conflict between these Terms and any Additional Agreements, the terms of the Additional Agreement will control for the specific Service to which those terms pertain.","1.5. If you do not agree to these Terms (including without limitation all applicable Additional Agreements), please do not click the “I accept” box or use any of the Services, download or use any App, or create an Account.","2. Changes to the Terms or Additional Agreements","2.1. We may modify these Terms from time to time. The revised Agreement will be effective as of the time it is posted but will not apply retroactively.","2.2. If we modify these Terms, we will post our modified Terms on our website or provide notice by email or otherwise through the Services or through other reasonable means. If our changes reduce your rights or increase your responsibilities, we will provide notice to you of at least 21 days before the changes become effective.","2.3. By continuing to use the Services, you agree that you accept all the modifications to these Terms. If you do not agree to the new Terms, you must stop using the Services. Notwithstanding the foregoing, we will not be required to give you prior notice of a change in these Terms if an immediate change in these Terms is necessary to maintain or restore the security of your Account or our systems.","3. Eligibility","3.1. By accepting these Terms, you affirm that you (a) are at least 18 years old, or the age of majority in your jurisdiction (if higher), and (b) have full power and authority to enter into these Terms on your behalf and doing so will not violate any other agreement to which you are a party.","4. Digital Asset Risks","4.1. You can change your risk preference at any time, although it may take us up to 3 Business Days to adjust accordingly to the purchase of Digital Assets.","4.2. DIGITAL ASSETS ARE NOT FDIC-INSURED OR OTHERWISE GUARANTEED OR BACKED BY ANY GOVERNMENT AGENCY AND PURCHASING THEM INVOLVES RISK BECAUSE THEY MAY LOSE VALUE.","4.3. Please consider your objectives before registering for the Metal Pay Service. We do not guarantee any outcome and any projections are hypothetical in nature. Past performance is not a reliable indicator of future performance. You are solely responsible for evaluating the risk associated with use of the Metal Pay Service. For specific information regarding the sale and purchase of Digital Assets please see our Disclosures Regarding Digital Assets policy in Clause 48 (Disclosures Regarding Digital Assets) below.","4.4. As with any asset, the value of Digital Assets can go up or down and there can be a substantial risk that you lose money by buying, selling, holding, or investing in Digital Assets. You should carefully consider whether trading or holding Digital Assets is suitable for you considering your financial condition and you should consult with your financial advisor, legal, or tax professional regarding your specific situation.","4.5. Metallicus is not registered with the U.S. Securities and Exchange Commission or the New Zealand Financial Markets Authority and does not offer securities services in the United States or New Zealand, or to any person therein.","5. No Recommendations or Brokerage","5.1. No Investment Advice or Brokerage: For the avoidance of doubt, you acknowledge that Metallicus does not provide financial advice (within the meaning of the Financial Markets Conduct Act 2013) investment, tax, or legal advice, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance.","5.2. Metallicus may provide educational information about supported Digital Assets, as well as Digital Assets not supported by Metallicus, in order to assist users in learning more about such Digital Assets. Information may include, but is not limited to, blog posts, articles, links to third-party content, news feeds, tutorials, and videos. The information provided on our website or any such third-party sites, is, unless otherwise indicated, factual information and does not constitute any recommendation, opinion, investment advice, financial advice (within the meaning of the Financial Markets Conduct Act 2013), trading advice, or any other sort of advice, by Metallicus or any third party, and you should not treat any of the website's content as such.","5.3. Metallicus does not recommend that any Digital Asset should be bought, earned, sold, or held by you. Metallicus will not be held responsible for the decisions you make to buy, sell, or hold Digital Assets based on the information provided by Metallicus.","5.4. Metallicus does not broker trades on your behalf unless otherwise specified on a specific product. All Metallicus trades are executed automatically, based on the parameters of your order instructions and in accordance with posted trade execution procedures.","5.5. You also acknowledge that Metallicus is not authorised to and does not deal with any financial products (within the meaning of the Financial Markets Conduct Act 2013), including but not limited to acknowledging that the Digital Assets and MTL are not financial products (within the meaning of the Financial Markets Conduct Act 2013) or otherwise made available by Metallicus for the purposes of financial investment.","6. Limitation of Liability","6.1. THE METAL PARTIES' (DEFINED BELOW) LIABILITY UNDER THESE TERMS IS LIMITED WITH RESPECT TO YOUR ACCOUNTS AND YOUR USE OF THE SERVICES. Nothing in these terms excludes, limits, restricts or modifies any consumer guarantee right or remedy conferred by the Consumer Guarantees Act 1993, Fair Trading Act 1986, or any other applicable law that cannot be excluded, restricted, or modified by agreement.","6.2. In no event shall the Metal Parties be liable for lost profits or any special, incidental, punitive, exemplary, consequential damages (including without limitation damages for loss of data or loss of business), or taxes (including any applicable withholding taxes) arising out of or in connection with any of the services or these terms (however arising, including, without limitation, negligence), unless and to the extent such limitations are prohibited by law (including New Zealand consumer laws).","6.3. To the extent permitted by applicable law, our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages incurred by you in connection with your use of our Services or these Terms in the 12 months preceding the applicable claim.","6.4. In addition, and notwithstanding the foregoing, to the extent permitted by applicable law (including New Zealand consumer laws), the Metal Parties are not liable, and you agree not to hold the metal parties responsible, for any damages or losses (including, but not limited to, loss of money, digital assets, goodwill, business, reputation, profits, taxes (including any applicable withholding taxes), or other intangible losses or any special, indirect, exemplary, punitive, or consequential damages) resulting directly or indirectly from:","your use of, or your inability to use, the Services;","delays or disruptions in the Services;","viruses or other malicious software obtained by accessing the Services or any website or service linked to the Services;","glitches, bugs, errors, or inaccuracies of any kind in the Services or in the information and graphics obtained from them;","the content, actions, or inactions of third parties;","your need to modify your practices, content, or behavior, or your loss of or inability to do business, as a result of changes to these terms or our policies; or","a suspension or other action taken with respect to your Accounts.","6.5. This is a comprehensive limitation of liability that applies to all losses and damages of any kind (whether indirect, general, special, consequential, incidental, punitive, exemplary or otherwise, including, without limitation, loss of data, income or profits), whether the claim is based on contract, tort (including, without limitation, negligence), strict liability or any other legal theory, even if an authorized representative of Metallicus has been advised of or should have known of the possibility of such damages, and without regard to the success or effectiveness of other remedies, provided that this limitation of liability only applies to the maximum extent permitted by applicable law (including New Zealand consumer laws) and does not apply if the Metal Parties  are either grossly negligent or engage in intentional misconduct, criminal conduct or fraud.","7. Prohibited Territories","7.1. Some of our Services are available only in certain territories.  You cannot use those Services in any Prohibited Territory.","7.2. By accessing or using a particular Service, you affirm that:","you are a legal resident in one of the Allowed Territories; and","you will only use the Service if you reside in an Allowed Territory.","7.3. We will update these Terms and/or our websites as geographic updates become available.","8. Defined Terms","8.1. The following capitalized terms used in these Terms have the following meanings. Any other capitalized terms used in these Terms will have the meanings we otherwise provide in these Terms.","\"Acceptable Use Policy” has the meaning given in Clause 29 (Metallicus Acceptable Use Policy) of these Terms.","“Account” means an account that you create with us to access or use the Services.","“Account Statement” means a statement showing your Account activity.","\"Allowed Territories” means the territories set forth in the Metal Pay regions guide.","“App” means any software application we provide for you to use our Services on a mobile device.","“Business Days” mean(s) Monday through Friday, excluding holidays when our offices are not considered open for business in the U.S. Holidays include New Year’s Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington's Birthday (the third Monday in February), Memorial Day (the last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). If a holiday falls on a Saturday, we observe the holiday on the prior Friday. If the holiday falls on a Sunday, we observe the holiday on the following Monday.","“Digital Asset(s)” means anything that is created and stored digitally, is identifiable and discoverable, and has or provides value.","“Digital Asset Custodian” means Fireblocks Ltd. or Fireblocks Inc.","“Electronic Communication” means any and all communications, agreements, documents, notices, and disclosures that we provide to you electronically.","“Electronic Fund Transfer” means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct transmissions or withdrawals of funds, transfers initiated via telephone, website, or mobile application.","“Eligible Bank Account” means a bank account opened and maintained at a bank in New Zealand.","“Eligible Credit Account” means an Eligible Bank Account, Valid Credit Card, or a Valid Debit Card.","“Identity Verification” means verifying your identity by providing your first name, last name, email address, address, state of residence, social security number (or equivalent / alternative in the relevant jurisdiction), and a government ID with your recent photograph.","“Linked Account” means an Eligible Credit Account that you maintain at a bank or other financial institution and that is linked to your Metal Pay Service Account.","“Metal Pay Service” means the Metal Pay™ website and App that allows you to send and receive money from friends and family, and buy and sell Digital Assets.","“Metal Pay Service Account” means your Account for the Metal Pay Service.","“Metal Parties” means Metallicus and its affiliates, and each of their respective directors, officers, employees, agents, joint ventures, licensors, shareholders, service providers and suppliers. Affiliates include each entity that we control, is controlled by us, or is under common control with us.","“MTL” means our Metal Digital Asset tokens.","“OFAC Prohibited Territory” means all countries and jurisdictions on the OFAC Sanctions List, available at https://sanctionssearch.ofac.treas.gov/.","“Preauthorized Electronic Fund Transfer” means an Electronic Fund Transfer that you have authorized in advance to recur at intervals of 60 days or less; for example, direct remittances to or withdrawal of funds out of your Metal Pay Service Account.","“Prohibited Territory” means any state, territory, or country that is not one of the Allowed Territories.","“Restricted Activities” has the meaning given in Clause 24 (Restricted Activities and Consequences) of these Terms.","“Services” means the Metal Pay Service and any other products and services we provide to you.","“Valid Credit Card” means a credit card issued by an eligible bank or financial institution bearing the Visa Inc., MasterCard International Inc., or DFS Services, LLC logo.","“Valid Debit Card” means a debit card issued by an eligible bank or financial institution bearing the Visa Inc., MasterCard International Inc., or DFS Services, LLC logo.","“WebAuth Wallet” means the WebAuth digital wallet services for Digital Assets offered by third parties, which service is governed by the XPR Terms and Conditions.","9. Metal Pay Services","9.1. The Metal Pay Service allows you to:","send, receive, or request money from friends and family;","make payments to friends and family, using your credit card or debit card; and","accept payments made by a credit card, debit card, and other payment methods from friends or family.","9.2. Geographic restrictions apply to the Metal Pay Services. The Metal Pay Services are not intended for use in the Prohibited Territories. This means that to use the Metal Pay Services, you must reside in one of the Allowed Territories and use the Metal Pay Services only while located in one of the Allowed Territories.","9.3. The Metal Pay Services are made for personal use only. The Metal Pay Services are only intended for use with friends and family or for other personal use. You are not allowed to create a Metal Pay Service Account if you are a business, and you cannot use your Metal Pay Service Account for business activities, including without limitation, retail transactions to sell goods or services. You may not use your Metal Pay Service Account on behalf of legal entities.","9.4. Suspension of Services: We may suspend or terminate your Account or your access to the Services indefinitely, for any fraudulent, abusive, or suspicious behavior or transaction.","9.5. One Account Per Person: By registering for a Metal Pay Service Account, you can use the Metal Pay Service. Each person is allowed only one Metal Pay Service Account.","9.6. Adding Money to Your Metal Pay Service Account: You may transfer money to your Metal Pay Service Account by requesting an Electronic Fund Transfer from your Linked Account.","9.7. Withdrawing Money from Your Metal Pay Service Account: This service is currently not available but is being planned in near future.","10. Custody, Control and Access to Financial Information","10.1. We do not have or retain direct custody or control over funds or virtual currency in your Metal Pay Service Account, nor do we directly exchange or transmit funds or virtual currency or other Digital Assets to or from your Metal Pay Service Account.","10.2. We do not directly hold, exchange, or transmit Digital Assets. All Digital Assets in your Metal Pay Service Account are held and exchanged and transferred to and from your Metal Pay Service Account and are under the custody of the Digital Asset Custodian. All services provided by the Digital Asset Custodian are subject to the applicable account agreement, their terms of service, privacy policies, and other applicable agreements and disclosures.","10.3. To provide the Metal Pay Services, you must give us access to your credit card and debit card transaction information, including, without limitation, the amounts of each transaction and the payee for each transaction, just as that information is available on your credit card or debit card statement.","11. Sending Money or Digital Assets","11.1. You can send money or Digital Assets to friends or family members who are on the Metal Pay Service using the send money feature in your Metal Pay Service Account (sometimes called “personal payments” or “P2P Payments”).","11.2. You may not use your Metal Pay Service Account if you are a legal entity or on behalf of a legal entity. You cannot use your Metal Pay Service Account for business activities, including without limitation, retail transactions to sell goods or services, but you may use your Metal Pay Service Account for your personal use.","11.3. You are prohibited from using your Metal Pay Service Account for P2P Payments to pay persons who are unknown to you. You can send money or Digital Assets to a friend or family member that has an account with us at the time you send them money or Digital Assets, using their email address or mobile number, in any currency that Metallicus supports, and you can choose which payment method you want to use. Receiving money or Digital Assets from a friend or family member is described under Clause 13.3 (Receiving Money or Digital Assets).","11.4. We may, at our discretion, impose limits on the amount of money or Digital Assets you can send. You can view your sending limit, if any, by logging into your Metal Pay Service Account. When you send money or Digital Assets to a friend or family member, the payment is automatically credited to the recipient’s account.","11.5. As a party initiating a transfer (“Sender”), you will send funds to your selected recipient (“Recipient”) by designating the Recipient and the transfer amount to us (a “Payment Instruction”). Your Payment Instruction authorizes us to move funds from your Linked Account to your designated Recipient. By submitting a Payment Instruction, you are also authorizing us to move funds to your Linked Account for P2P Payments that are canceled or otherwise returned.","11.6. We have no liability to you or anyone claiming on your behalf if we are unable to complete any transaction because of:","insufficient funds in your Linked Account;","malfunction of the Metal Pay Service due to circumstances beyond our control or due to circumstances that you were already aware of at the time you initiated your Payment Instruction;","inaccurate or insufficient Payment Instructions; or","failure of the Recipient to claim the P2P Payment.","11.7. Additional identification information will be required to send any one cash fiat transaction or in multiple cash fiat transactions over any 7-day period or to receive more than $1,000 in any 30-day period. Senders may not send more than $3,000 in any one transaction or in multiple transactions over any 7-day period, subject to some restrictions set forth in the Metal Pay Account limits guide. We may adjust these limits at any time at our discretion.","11.8. A service fee may be charged for sending funds via an Eligible Bank Account, Credit or Debit Card using the Metal Pay Service. The fee for P2P Payments will be displayed at the time of the transaction. We reserve the right to charge for or change the fees associated with use of the send money feature of the Metal Pay Service at any time. These fees may change from time to time, and most changes to these fees will be deemed effective at the time and date of posting. If these fees ever increase, we will provide advance notice to you. The fees applicable to sending money or Digital Assets will be disclosed to you in advance each time you initiate a transaction to send money or Digital Assets using the Metal Pay Service.","11.9. If you convert money or Digital Assets in your Metal Pay Service Account from one currency or type of Digital Asset to another before sending money or Digital Assets, you will also pay a currency or Digital Asset conversion fee for that conversion that we will calculate and apply using the most current market rate. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer.","11.10. Metallicus is not liable or responsible for damages of any kind resulting from an intended recipient’s decision not to accept a payment made or attempted to be made from a Metal Pay Service Account.","11.11. Fee by Payment method: Not applicable","12. Payment Cancellation, Stop Payment Requests, and Refused Payments","12.1. Our ability to stop a P2P Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on how the Payment Instruction was initiated, and whether the Payment Instruction has begun processing.","12.2. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Bank Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law.","12.3. We assume no responsibility or liability, however, for any losses or damages if we are unable to reverse, adjust, reclaim or otherwise remediate any such P2P Payment.","13. Digital Assets, Tiered Accounts and Transaction Limits","13.1. There may be transaction limits depending on the type of Account you have. Such limits for the Metal Pay Service are set forth on the Metal Pay Service Account limits guide.","13.2. The Metal Pay Service also offers a fee reduction for buying and selling Digital Assets in proportion to their in-App MTL token balance. Please refer to the Metal Pay Service fee discounts guide for all tiers and discount amounts.","13.3. Receiving Money or Digital Assets: If a friend or family member sends money or Digital Assets to you, the money or Digital Assets will appear in your Metal Pay Service Account. If someone you do not recognize sends you money or Digital Assets, please contact us at help@metal.pay.com. Except as may be otherwise provided by law, there is no pre-set limit on the amount you can receive in your Metal Pay Service Account.","14. Payment Reviews, Invalid Payments and Risk of Fraudulent Transactions","14.1. Payment Review: If Metallicus identifies a potentially high-risk transaction, we may review the transaction more closely before allowing it to proceed. When this happens, Metallicus will place a hold on the transaction. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action. We assume no responsibility or liability for any losses or damages that result from our holding or canceling any transactions, which we may do in our sole and absolute discretion.","14.2. Invalid P2P Payments: If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you authorize us to move funds from the applicable Linked Account in an amount equal to the P2P Payment. We will not be liable in any way for any P2P Payments that you may receive, regardless of whether you authorized the Sender to send the funds.","14.3. Risk of Fraudulent Transactions: The Metal Pay Service is a money transmission service. It is your responsibility to assure that funds you send to anyone else are sent to persons you know and whose integrity you trust. Funds that you send through the Metal Pay Service that are lost in a fraudulent transaction may not be recoverable and may result in your loss of funds with no recourse. Metal Pay disclaims any responsibility or liability for the proper execution of any Payment Instruction that you give us, including if someone tricks you to send an instruction and you follow the instruction, even if the payment results in a loss to you.","15. Metal Pay Account Balance","15.1. Functionality: Your balance consists of the funds you have in your Metal Pay Service Account that are available for new transactions and are not subject to pending transactions (your “Metal Pay Service Account Balance”). You are solely responsible for ensuring that your Metal Pay Service Account contains sufficient funds necessary to complete any payments you initiate through the Metal Pay Service and, subject to Clause 15.5. below, we have no obligation to initiate or complete any payments you request if there are not sufficient funds in your Metal Pay Service Account or otherwise available to complete the transaction. You agree to reimburse Metallicus for any fees, costs, or expenses we incur because of insufficient or unavailable funds in your Metal Pay Account in connection with any payment you initiate through the Metal Pay Service.","15.2. Authorization: By instructing us through the Metal Pay Service to add funds from a Linked Account to your Metal Pay Service Account Balance or make any other transfer, you authorize us to debit such Linked Account for the amount instructed, either in a single or recurring transaction, as applicable.","15.3. Limitations: Metallicus may impose limits on the amount you can keep in your Metal Pay Service Account Balance and reserves the right to change these limits at any time.","15.4. Funding Your Metal Pay Service Account Balance: Funding Sources from Linked Accounts include:","Debit. You may link a debit account to fund your Metal Pay Service Account Balance. To do so, you must have a Valid Debit Card.","Credit. You may link a debit account to fund your Metal Pay Service Account Balance. To do so, you must have a Valid Debit Card.","P2P Payments Received Through the Metal Pay Service. You can keep funds received from P2P Payments made to you through the Metal Pay Service in your Metal Pay Service Account Balance.","15.5. When you initiate a payment through the Metal Pay Service, if your Metal Pay Service Account Balance is sufficient to satisfy the full payment amount, you can choose whether you want the payment fulfilled by your Metal Pay Service Account Balance or a Linked Account. If you do not have sufficient funds in your Metal Pay Service Account Balance to cover the full transaction you may choose the funding source from one or more of your Linked Accounts.","16. Transferring Funds from Your Bank Account Using the Deposit Function","16.1. Limitations: Metallicus may limit how many transfers you can initiate from your Metal Pay Service Account to your Eligible Credit Account and the amount of funds you can transfer in a single transaction. We reserve the right to delay or further limit such transfers while we screen for risk, or we may request you provide additional information to verify your identity, and we assume no responsibility or liability for any such delays or limitations.","16.2. You may not transfer funds from your Metal Pay Service Account Balance to your Eligible Credit Account or Eligible Bank Account to evade a payment investigation. If you attempt to transfer your Metal Pay Service Account Balance while we are investigating, we may hold your funds at our discretion to protect Metallicus or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties, and other liability.","16.3. We also may defer or redirect payout or restrict access to your funds as necessary to comply with applicable law, subpoena, or court order, or if requested by any governmental entity. You will remain liable for all obligations related to your Account even after the Account is closed.","16.4. Treatment of Funds: Funds in your Metal Pay Service Account Balance will be segregated from Metallicus’ corporate funds. Metallicus will not use your funds for any corporate purposes, nor will your funds be available to Metallicus’ creditors.","17.Electronic Fund Transfers","17.1. The following disclosures explain our policies and requirements for electronic payments, deposits, transfers of funds and other electronic transfers to and from your Account(s). There may be limitations on account activity that restrict your ability to make Electronic Fund Transfers. Any such limits are disclosed in the appropriate agreements governing your Account. You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. In addition to the foregoing, all electronic fund transfers are governed by, and subject to, the rules and regulations of NACHA.","17.2. Unauthorised Transfers","17.2.1. Tell us immediately if you believe your Account or PIN or other access information is lost or stolen, or if an Electronic Fund Transfer has been made without your permission or consent. To tell us, message us immediately at help@metalpay.comto keep your possible losses to a minimum. You could lose all the money in your Account.","17.2.2. If you tell us within 2 Business Days after learning of the loss or theft of your Account, PIN, or other access information, or after learning of any other unauthorized transfers from your Account, you can lose no more than $50 if Electronic Fund Transfers are made without your permission.","17.2.3. If you DO NOT tell us within 2 Business Days after learning of the loss, theft, or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500.","17.2.4. Also, if your periodic Account Statement shows unauthorized transfers and you DO NOT tell us within 60 days after the statement was delivered to you, you may not get back any money you lose after the 60-day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected loss or theft of your Account, PIN, or other access information or of any other suspected unauthorized transfer(s), the time periods specified in this Clause 17.2 (Unauthorized Transfers) may be extended for a reasonable period at our discretion.","17.3. Periodic Statements: Your periodic Account Statements will contain information on your Electronic Fund Transfers for the relevant period. These statements are provided to you without charge and are available for you to view in your Metal Pay Service Account.","17.4. Preauthorized Electronic Fund Transfers","17.4.1 You must authorize a Preauthorized Electronic Fund Transfer to or from your Metal Pay Service Account. See How do I turn on/off Recurring Buys? for further details.","17.4.2. A record of your transfer authorization can be found in your Metal Pay Service Account. If you choose to authorize Pre Authorized Fund Transfers to your Metal Pay Service Account, we will provide you with confirmation via email only when the transfer is set up and when the trade is completed or fails. If we receive funds into your Metal Pay Service Account from another financial institution that has initiated a Preauthorized Electronic Fund Transfer, we will credit the amount of the transfer as of the date the transfer funds are received.","17.4.3. Stop Payments: You may stop payment of a Preauthorized Electronic Fund Transfer from your Metal Pay Service Account by notifying us at help@metalpay.com at least 3 Business Days before the scheduled date of the transfer. We may require you, in our discretion, to give us written confirmation of a stop payment order within 14 days of a written notification, by contacting us at help@metalpay.com. If you do not provide us with written confirmation within 14 Business Days, your stop payment order will no longer be binding on us, and we will incur no liability if we honor the transfer request that is the subject of the stop payment order.","17.5. Our Liability for Certain Electronic Fund Transfer Errors: If we do not complete a transfer to or from your Metal Pay Service Account on time or in the correct amount according to these Terms, we will be liable for your losses or damages (subject to Clause 6 (Limitation of Liability) above). However, we will not be liable:","if, through no fault of ours, you do not have enough money in your Metal Pay Service Account to make the transfer;","if circumstances beyond our control (such as fire or flood, or hardware or software failures not caused by us) prevent the transfer, despite reasonable precautions that we have taken; or","as otherwise stated in these Terms.","18. Fees for Services","18.1. The Metal Pay Services may be offered without charge, or may be offered on a fee for services basis, including without limitation, ACH transaction and other Electronic Fund Transfer fees on deposits and withdrawals of funds.","18.2. We will provide reasonable notice of any fees and will give you the opportunity to close your Metal Pay Service Account before such fees or changes to fees become effective.","18.3. Your continued use of the Metal Pay Services after any fee change(s) comes into effect constitutes your agreement to pay the fees. Except as required by law, fees are non-refundable.","19. Disclosure of Personal Information","19.1. In certain instances, we may disclose your personal information or information about your Account, including without limitation, financial information, to third parties. Such disclosure may include (without limitation) disclosure in response to a request from federal, state, or local law enforcement authorities or governmental regulatory agencies, to third parties that assist us with administrative activities associated with your Account, or when we conduct internal investigations that may include your Account.","19.2. Please refer to our Privacy Policy at https://www.metalpay.com/privacy-policy.html for a fuller description of circumstances under which we may disclose your personal or Account information to others.","20. Accounts","20.1. Registration: Use of any of our Services requires you to create an Account. Your Account Information must be true, complete, and accurate, as prompted by the registration form. In addition, you agree to update your Account as necessary to keep it current, true, complete, and accurate. To register, open and use an Account, Metallicus may require that you submit certain Account Information.","20.2. Account Information: You represent and warrant that (i) you own the email or mobile phone number you register with; and (ii) all information entered or collected in the course of creating your Account, and any information you subsequently add or update from your settings, including without limitation, bank account information, your first name, last name, email address, phone number, street address, city or state of residence, social security number (or equivalent / alternative in the relevant jurisdiction), or government ID (“Account Information”), is true and accurate.","20.3. Authentication: The first time you access your Account using a new device we may require you to authenticate your Account through two-factor authentication or similar means, or by requesting additional information. If your Account cannot be verified, you may be required to set up a new Account. You acknowledge and agree that your provision of your mobile telephone number creating or updating your Account Information constitutes acceptance to receive text messages for purposes of two-factor authentication.","20.4. Validation: You hereby authorize Metallicus, directly or through third parties, to make any inquiries we consider necessary to validate your identity or authenticate your identity and Account Information. This may include asking you for further information or documentation about your Account usage or identity, requiring you to provide your date of birth, and other information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources. We may also ask to see your driver’s license or other identifying documents at any time. If you use certain features of the Services, federal or state laws or regulations require that Metallicus verify some of your information. Metallicus reserves the right to close, suspend, or limit access to your Accounts with us and/or the Services in the event we are unable to obtain or verify this information. We may terminate your Account immediately if you provide, or we suspect you provided, inaccurate or false information or you refuse to provide information about your identity.","20.5. Identity verification: To verify your identity for the use of our Services, we use the services of a third-party provider, Incode. By validating your identity with our 3rd party provider, you consent to Incode’s capture, collection, enrollment, use, retention, processing, and disclosure of a scan of your face geometry (i.e. faceprint) and information derived from scanning the barcode of your identification card for the purpose of verifying your identity pursuant to Incode's Privacy Policy. Incode shall store the data as set out in Incode's Privacy Policy until the earlier of: 3 years for the state of IL, 1 year for the state of TX or when no longer needed for identity verification. By accepting the Terms you acknowledge that you have read and agreed to Incode's Privacy Policy and you consent to Incode's collection, use and disclosure of your personal information to assist us to verify your identity.","20.6. Account Security: you are responsible for maintaining adequate security and control of all IDs, passwords, personal identification numbers, devices used by you for purposes of two-factor authentication, or any other codes that you use to access your Accounts, and you are solely responsible for the activities of anyone accessing any of your Accounts using your password, even if you did not authorize the activities. In addition, if you know or suspect your password has been compromised, you must promptly change your password. You may not use the password or ID of any other person to access any Service without that person’s express permission.","20.7. Required Notification for Unauthorized Use: If you know or suspect there has been an unauthorized use of or compromise of your Account or password, you must notify us immediately. Even if you give us notice, you could be held liable for losses incurred by us or somebody else due to another person using your Account or password. You can contact us at help@metalpay.com.","20.8. Number of Accounts: You are only allowed to have one Account in your own right and capacity for each Service.","20.9. Aliases: You may select a personalized unique alpha-numeric name to identify yourself on the Metal Pay Service (a “Cash handle” or “Alias”). You must accurately and truthfully represent your personal identity that you may share with others to use the Metal Pay Service. You may not select an Alias that misleads or deceives others as to your identity or creates an undue risk of chargebacks or mistaken payments. We may require you to change your Cash handle, Alias, or details of your Account information in our sole discretion, and we may reclaim or make unavailable certain Cash handles or Aliases without liability to you.","21. Closing Your Metal Pay Service Account","21.1. How You Can Close Your Metal Pay Service Account: You may close your Metal Pay Service Account by discontinuing use of the Metal Pay Service and contacting help@metalpay.com to close your Metal Pay Service Account.","21.2. How We Can Close your Account: We may close your Account or indefinitely ban you from accessing the Services at any time, with or without notice for any reason, in compliance with applicable law. All determinations of termination for cause will be made in our sole discretion and we will not be liable to you or any third-party for suspension or deletion of Account or your inability to access the Services. Termination of your Account for cause may include, without limitation, the following:","breaches or violations of these Terms or any of our policies, including engaging in any Restricted Activities;","requests by law enforcement or other government agencies;","unexpected technical or security issues or problems; or","you do not perform a transaction in your Account for 2 years or more.","21.3. When You Are Not Allowed to Close Your Account: In certain cases, you may not close your Account, including without limitation:","To evade an investigation by us or any governmental authority;","If you have a pending transaction or an open dispute or claim; or","If your Account is subject to a hold, limitation, or reserve.","21.4. What Happens When Your Metal Pay Service Account Is Closed: When you close your Metal Pay Service Account, we will cancel any scheduled or incomplete transactions. You must withdraw any balance from your Metal Pay Service Account prior to closing it.  You will remain liable for all obligations related to your Metal Pay Service Account even after the Account is closed. If we close your Metal Pay Service Account or terminate your use of any of the Metal Pay Service for any reason, we will provide you with reasonable notice of our actions and subject to our rights under these Terms, make any unrestricted funds held in your Metal Pay Service Account available for withdrawal or return those funds to your Linked Account. In some cases, we may be required by law, court order, subpoena or other legal process or action to hold the funds or disperse them in another manner. If your Metal Pay Service Account is terminated for any reason, any transaction credit accumulated for you will be canceled.","21.5. Dormant Accounts: If you do not perform a transaction in your Account for 18 months, unless otherwise stipulated by law, Metallicus reserves the right to charge monthly dormancy fees to cover the costs of safe custody of assets, to the extent permitted by applicable law. If you do not perform a transaction in your Accounts with us for 2 or more years, Metallicus may close your Account and send the balance to your bank account, primary address or, if required by applicable law, escheat (send) your balance to the state unclaimed property administrator of your state of residency.","22. Taxes and Information Reporting","22.1. Account Statements and Account Records: You may view your transaction history within the App by logging into your Account. We also offer an annual tax statement that you may receive by requesting a copy from our client services team.","22.2. We do not charge or collect for any taxes, levies, duties, or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “Taxes”). It is your responsibility to determine what, if any, Taxes apply to the payments you make or receive, to your Digital Assets trades, or to your transactions on the Metal Pay Service. It is solely your responsibility to assess, collect, report, and remit the correct Taxes to the appropriate authority. You agree that Metallicus is not responsible for determining whether any Taxes apply to your transactions, or for calculating, collecting, reporting, or remitting any Taxes on your behalf or for any transaction.","22.3. You will indemnify the Metallicus Parties and hold them harmless for all actions, suits, proceedings, claims, demands, judgements, costs, and expenses (including without limitation attorney’s fees), losses and damages, in each case regarding Taxes (including, without limitation, any interest and penalties), resulting directly or indirectly from any of your transactions through the Services. We may at our sole discretion, withhold from all amounts otherwise payable to you by us such federal, state, local and non-U.S. Taxes as may be required to be withheld pursuant to the applicable laws or regulations of any relevant jurisdiction and we may file reports with relevant tax authorities. You will promptly provide to us upon request all information regarding Taxes, including without limitation, an applicable IRS Form W-8 or W-9, as we determine in our sole discretion are necessary for us to determine our tax reporting and withholding obligations. We have the right to disclose any such information provided by you to us to a Tax authority or other regulatory authority, governmental authority, or judicial body, that has a reasonable claim of jurisdiction. If we fail to withhold any Taxes required to be so withheld by applicable law or regulation, you will indemnify us and all our affiliates for any amount paid on your behalf with respect to such Taxes (including, with limitation, any amounts related to interest, penalties, and other expenses such as attorney’s fees).","22.4. Payment Review: Metallicus reviews certain potentially high-risk, suspicious, or potentially fraudulent transactions. If Metallicus determines, in its sole discretion, that a transaction is high-risk, suspicious, or potentially fraudulent, we may place a hold on the payment and provide notice to you. Metallicus will conduct a review and either clear or cancel the payment. If the payment is cleared, Metallicus will provide notice to you through the applicable App. Otherwise, Metallicus will cancel the payment and the funds will be returned, unless we are legally required to take other action.","22.4.1. Reviews may result in:","delayed, blocked, or canceled transfers;","funds being held by Metallicus;","account suspension or termination;","funds being seized to comply with a court order, warrant or other legal process;","funds you previously received being reversed (i.e., sent back to the sender’s Metal Pay Service Account or to the bank account that was used to fund the payment); and/or","us making reports to federal, state, or local governmental or law enforcement agencies of information discovered during our reviews.","22.4.2. We may take one or more of these actions if you knowingly or unknowingly received a payment that was made from a compromised bank account, or compromised Metallicus Pay Service Account, whether your Metal Pay Service Account or another user’s Account, or for any other reasons authorized by law. In connection with our review process, we may ask for Identity Verification. We may limit your Metal Pay Service Account and your access to funds in it until Identity Verification is completed. We will not be responsible or liable for any losses incurred by you that may result from any payment reviews or actions that we may take because of a payment review.","23. Third-Party Payment Terms","23.1. By using any of the Services and agreeing to these Terms, you also agree to be bound by any third-party payment terms, and you consent and authorize us and any third-party payment provider to share any information and payment instructions you provide with third-party service provider(s) to the extent required to complete your transactions.","23.2. You are responsible for all transactions (one-time, recurring, and refunds) processed through any third-party payment provider. Metallicus will not be responsible or liable in any manner for loss or damage from errant or invalid transactions processed by any third-party payment provider. This includes transactions that were not processed due to a network communication error, or any other reason.","23.3. If you enter into a transaction, it is your responsibility to verify that the transaction was successfully processed. Metallicus is not liable for any adverse effects that any actions (whether intentional or unintentional) on the part of any third-party payment provider may cause to you, your Account, or your business.","24. Restricted Activities and Consequences","24.1. Restricted Activities. In connection with your use of our Services, or during your interactions with us, other customers of ours, or third parties, you will not engage in any of the following “Restricted Activities.\"","24.1.1. Breach these Terms, including, without limitation, our Acceptable Use Policy and any other agreement between you and Metallicus, or violate any Metallicus policy.","24.1.2. Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination, anti-money laundering and counter-terrorist financing, or false, misleading or deceptive conduct).","24.1.3. Infringe Metallicus’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.","24.1.4. Act in a manner that is defamatory, trade libelous, threatening, or harassing.","24.1.5. Provide false, inaccurate, or misleading information.","24.1.6. Send or receive what we reasonably believe to be potentially fraudulent funds.","24.1.7. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us.","24.1.8. Attempt to benefit from a dispute by receiving or attempting to receive funds from both Metallicus and a financial institution for the same transaction.","24.1.9. Control an account that is linked to another account that has engaged in any of these Restricted Activities.","24.1.10. Use the Service in any of the following ways:","in a manner that results in or may result in fees, fines, penalties or other liability or losses to us, our other customers, third parties or you;","use any Account or the Services in a manner that Metallicus, NACHA, the debit and credit card networks or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules;","allow your Metal Pay Service Account to have a negative balance;","access the Service from, or transfer funds to or from, any Prohibited Territories;","take any action that imposes an unreasonable or disproportionately large load on our infrastructure; facilitate any viruses, trojan horses, malware, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our Services;","take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers;","circumvent any Metallicus policy or determinations about your Account such as temporary or indefinite suspensions or other Account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create a new or additional Account when an Account has a negative balance or has been restricted, suspended or otherwise limited; creating new or additional Accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s Account with us;","harass and/or threaten our employees, agents, or other users;","create multiple Accounts;","send money without sufficient funding in a Metal Pay Service Account;","in a manner that is not for its intended purpose;","in any way that triggers an investigation or inquiry by a governmental or regulatory agency or authority; or","with the intent or effect of engaging in deceptive or manipulative conduct, including manipulating one or more financial markets.","24.2. Actions We May Take if You Engage in Any Restricted Activities: If we believe that you have engaged in any of the Restricted Activities, we may take several actions to protect Metallicus, its users, and others at any time at our sole discretion.  The actions we may take, and your liability may include, but are not limited to, the following.","24.2.1. Terminate these Terms and/or close or suspend any Account with us, immediately and without any penalty to us, and we may refuse to provide the Service to you in the future.","24.2.2. Limit your access to our websites, your Account or the Services, including limiting your ability to pay or send money with any of the payment methods linked to your Metal Pay Service Account or restricting your ability to send money or make withdrawals.","24.2.3. Hold your balance for up to 180 days, or longer as required by applicable laws and regulations, if reasonably needed to protect against the risk of liability or if you have engaged in Restricted Activities or violated our Acceptable Use Policy;","24.2.4. Update inaccurate information you provided us;","24.2.5. Take legal action against you pursuant to these Terms;","24.2.6. If you have engaged in Restricted Activities or violated our Acceptable Use Policy, then you are also responsible for damages to Metallicus or any third party caused by your actions; and","24.2.7. Report the Restricted Activities to federal, state, or local governmental or law enforcement agencies.","24.3. We may invalidate or reverse payments if, among other reasons, we sent the payment to you in error, the funding transaction was declined or reversed, the payment was unauthorized or unfunded, or if the payment was for activities that violated these Terms or any other agreement with us.","24.4. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties, and other liabilities incurred by Metallicus, any Metallicus user, or a third party caused by or arising out of your breach of these Terms, and/or your use of the Service. You will reimburse Metallicus, any Metallicus user, or a third party for all such losses, claims or other liabilities.","25. Holds and Limitations","25.1. Holds Based on Metallicus’s Risk Decisions: We may place a hold on payments sent to your Metal Pay Service Account with or without notice to you, if, in our sole discretion, we believe that: (i) there may be a high level of risk associated with you, your Metal Pay Service Account, or your transactions; (ii) placing such a hold is necessary to comply with state or federal regulatory requirements; or (iii) for purposes of us conducting or assisting in an investigation.","25.2. We make decisions about whether to place a payment hold based on several factors, including, without limitation, information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your Metal Pay Service Account with an indication that they are unavailable or pending. Risk-based holds generally remain in place for up to 48 hours from the date the payment was received into your Metal Pay Service Account. Depending on the facts and circumstances, we may release the hold earlier or later under certain circumstances, in each case at our sole discretion.","25.3. Limitations: We may impose limitations that prevent you from completing certain actions with your Metal Pay Service Account, such as withdrawing, sending, or receiving money. These limitations are implemented to help protect Metallicus, buyers, and sellers when we notice Restricted Activities or activity that appears to us as unusual or suspicious. These limitations also help us collect information necessary for keeping your Metal Pay Service Account with us open. There are several reasons why your Metal Pay Service Account could be limited, including, without limitation:","we suspect someone could be using your Metal Pay Service Account without your knowledge, in which case we will limit it for your protection and investigate the fraudulent activity;","to comply with regulatory requirements, for example, those designed to prevent money laundering and other financial crimes;","due to policies we have in place to ensure we follow applicable law; or","if we reasonably believe you have engaged in Restricted Activities or violated our Acceptable Use Policy.","25.4. Removing Limitations: To remove the limitation and restore your Metal Pay Service Account, you will need to resolve any issues with the Metal Pay Service Account, often by providing information to us, although there may be certain situations where there is no specific action that you can take to help remove the limitation (for example, the limitation is put in place due to policies we have to ensure that we follow applicable law). If you find that your Metal Pay Service Account has been limited, you should either review the Electronic Communication you receive from us informing you that your Metal Pay Service Account is limited or log in to your Metal Pay Service Account for additional details about the limitation on your Account. You can also contact us at help@metalpay.com to discuss any limitations on your Account.","25.5.Court Orders, Regulatory Requirements, or Other Legal Process: If we are notified of a court order or other legal process (including, without limitation, garnishment or any equivalent process) affecting you, or if we otherwise believe we are required to do so to comply with applicable law or regulatory requirements, we may be required to take certain actions, including, without limitation, holding payments to/from your Metal Pay Service Account with us, placing a limitation on your Metal Pay Service Account, or releasing your funds.","25.6. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement, or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to determine the validity of or otherwise contest or appeal any court order or legal process involving you or your Metal Pay Service Account. When we implement a hold or limitation because of a court order, applicable law, regulatory requirement or other legal process, the hold or limitation may remain in place longer than 180 days.","26. Unauthorized Transactions","26.1. To protect yourself from unauthorized activity in your Account, you should regularly log into your Account and review your Account Statement.  Metallicus will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed.","26.2. What is an Unauthorized Transaction: An “Unauthorized Transaction” occurs when money or Digital Assets are sent from your Metal Pay Service Account that you did not authorize and that did not benefit you.  For example, if someone steals your password, uses the password to access your Metal Pay Service Account, and sends a payment from your Metal Pay Service Account, an Unauthorized Transaction has occurred.","26.3. What is Not Considered an Unauthorized Transaction. The following are not considered Unauthorized Transactions:","If you give someone access to your Metal Pay Service Account with us (by giving them your login information) and they use your Metal Pay Service Account without your knowledge or permission.  You are responsible for transactions made in this situation.","Invalidation and reversal of a payment because of a refund, reversal, chargeback, or error resolution.","26.4. Reporting an Unauthorized Transaction: Tell us immediately if you believe your login information has been lost or stolen, or if you believe that an Electronic Fund Transfer has been made without your permission using your login information. You could lose all the money in your Metal Pay Service Account.","26.5. If you believe your login information has been lost or stolen, immediately contact us at help@metalpay.com if related to a Metal Pay Service Account. Please let us know if you believe there is an Unauthorized Transaction on your Metal Pay Service Account. Subject to your compliance with these Terms, we will protect you from Unauthorized Transactions in your Metal Pay Service Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the error resolution procedures in Clause 27 (Error Resolution) below.","27. Error Resolution","27.1. What is an Error? An “Error” means the following:","when we incorrectly take or place money or Digital Assets from or in your Metal Pay Service Account;","you send a payment, and we debit the incorrect amount from your Metal Pay Service Account;","you withdraw Digital Asset keys from your Account, and we incorrectly document the transaction in your Metal Pay Service Account;","we credit an incorrect amount to your Metal Pay Service Account;","we incorrectly calculate Transaction Credits in your Metal Pay Service Account;","a transaction is missing from, or we do not properly identify it in your Account Statement;","we make a computational or mathematical error related to your Metal Pay Service Account; or","you request documentation that is required regarding a Preauthorized Electronic Fund Transfer or periodic statement, or for additional information or clarification concerning an Electronic Fund Transfer, including a request you make to determine whether an error exists.","27.2. In case of Errors or questions about your Electronic Fund Transfers contact us at help@metalpay.com to notify us of any Errors in your Metal Pay Service Account or for questions relating to your Metal Pay Service Account.","27.3. Error Resolution Procedure: if you become aware of a potential Error related to your Metal Pay Service Account, the following procedure should be followed:","27.3.1. Notification: Notify us as soon as you can at help@metalpay.com if you think your Account Statement or receipt is wrong or if you need more information about a transfer listed on the Account Statement or receipt. We must hear from you no later than 60 days after we sent the FIRST Account Statement or receipt on which the problem or error appeared. Please:","Tell us your name and Metal Pay Service Account number;","Describe the Error or the transfer you are unsure about and explain as clearly as you can why you believe it is an Error or why you need more information; and","Tell us the dollar amount or Digital Asset amount of the suspected error.","27.3.2. We may require that you send us your complaint or question in writing within 10 Business Days. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of an Error, the time periods for notification may be extended for a reasonable period.","27.3.3. Investigation: We will investigate promptly and, except as otherwise provided in this paragraph, will determine whether an Error occurred within 10 Business Days of receiving a notice of Error. We will report the results to you in writing within 3 Business Days after completing our investigation. We will correct the Error within 1 Business Day after determining that an Error occurred.","27.3.4. If we are unable to complete our investigation within 10 Business Days, we may take up to 45 days from receipt of a notice of Error to investigate and determine whether an Error occurred, if we do the following:","provisionally credit your Metal Pay Service Account in the amount of the alleged Error (including without limitation interest where applicable) within 10 Business Days of receiving the Error notice. We do not need to provisionally credit your Metal Pay Service Account if we do not receive written confirmation within 10 Business Days;","inform you within 2 Business Days after the provisional crediting, of the amount and date of the provisional crediting and give you full use of the funds during the investigation;","correct the Error, if any, within 1 Business Day after determining that an Error occurred; and","reports the results to you within 3 Business Days after completing our investigation (including, if applicable, notice that a provisional credit has been made final).","27.3.5. Extension of Time Periods: The time periods described above may be extended as follows:","Extension of 10-Day Time Period. The time limit for resolution is extended to 20 Business Days in place of 10 Business Days if the notice of Error involves an Electronic Fund Transfer to or from the Metal Pay Service Account within 30 days after the first remittance to the Metal Pay Service Account was made; or","Extension of 45-Day Time Period. The time limit for resolution is extended to 90 days in place of 45 days for completing a more extended investigation, if a notice of Error involves an Electronic Fund Transfer that occurred within 30 days after the first remittance to the Metal Pay Service Account was made.","For Errors involving new Metal Pay Service Accounts, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Metal Pay Service Accounts, we may take up to 20 Business Days to credit your Metal Pay Service Account for the amount you think is in Error.","If we decide that there was no Error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.","27.4. Processing Errors We will rectify any processing Error that we discover.  If the Error results in:","27.4.1. You receiving less than the correct amount to which you were entitled, then we will credit your Metal Pay Service Account for the difference between what you should have received and what you actually received; or","27.4.2. You receiving more than the correct amount to which you were entitled, then we will debit your Metal Pay Service Account for the difference between what you received and what you should have received.","27.5. We will not rectify Errors if:","27.5.1. Through no fault of ours, you did not have enough available funds or Digital Assets to complete the transaction;","27.5.2. Our system was not working properly, and you knew about the malfunction when you started the transaction; or","27.5.3. The Error was due to extraordinary circumstances outside our control (such as fire, flood, or loss of Internet connection), despite our reasonable precautions.","27.6. Processing Errors are not:","delays that result from Metallicus applying holds or limitations;","delays based on a payment review; or","your errors in making a transaction (for example, mistyping an amount of money that you are sending).","28. Communications Between You and Us","28.1. We may communicate with you about your Account and the Services as described in Clause 28.6 (Electronic Communications) below. You will be considered to have received a communication from us, if it is delivered electronically, 24 hours after the time we post it to our website or email it to you.","28.2. Text Messages: By providing us with a mobile number, you authorize and submit signed consent to receiving recurring telemarketing, informational, or transactional text (SMS) messages or calls from us or our affiliates using an automatic telephone dialing system to the telephone number associated with your Account or any future telephone number provided by you to us. Consent is not a condition of purchasing property, goods or services from us or our affiliates.","28.3. If you provide us with the mobile number of any other person or entity when initiating or requesting a payment through the Service, you represent and warrant to us that the person or entity has consented to receive text messages from us related to your Account and that such text messages are sent on behalf of you by us. Standard text messaging rates may apply based on your plan with your mobile carrier.","28.3. Phone Calls: If you provide us your mobile phone number, you agree that, in addition to the purposes identified in Clauses 28.2 and 28.3 (above), we may contact you at that number to: (i) service your Account with us; (ii) investigate or prevent fraud; or (iii) collect fees due or claw back funds fraudulently obtained hereunder.","28.4. Sharing: We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above. Subject to Clause 19 (Disclosure of Personally Identifiable Information), we will not share your mobile phone number with third parties for their own purposes without your consent.  You can review your Account and privacy setting in your Account settings at www.metalpay.com.","28.5. Monitoring and Recording: To the extent permitted by law, Metallicus may, monitor or record telephone conversations you or anyone acting on your behalf has with Metallicus or its agents for quality control and training purposes or for our own protection. While your communications with Metallicus may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by Metallicus, and Metallicus does not guarantee that recordings of any telephone calls will be retained or retrievable.","28.6. Electronic Communications:  By agreeing to these terms and opening an Account, you represent that you can receive and retain, and consent to receive, electronically all Electronic Communications that we provide in connection with your Accounts with us and your use of our Services as further described in Appendix 1.","29. Metallicus Acceptable Use Policy","29.1. You are independently responsible for complying with all applicable laws in all your actions related to your use of the Services, regardless of the purpose of the use. You may not use the Services for activities that:","violate any law, statute, ordinance or regulation;","are fraudulent;","relate to transactions involving (i) tobacco products, online pharmacies, narcotics, cannabis, steroids; certain controlled substances (including without limitation, cannabis or cannabis products), products that present a risk to consumer safety, (ii) drug paraphernalia; (iii) items that encourage, promote, facilitate or instruct others to engage in illegal activity; (iv) stolen goods including without limitation, digital and virtual goods; (v) the promotion of hate, violence, racial intolerance or the financial exploitation of a crime; (vi) items that infringe or violate any copyright, patent, trademark, trade secret, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, including without limitation, transactions that involve counterfeit goods; (vii) prostitution; (viii) ammunition, firearms, or certain firearm parts or accessories; or (ix) certain weapons or knives regulated under applicable law;","relate to transactions that (i) show the personal information of third parties in violation of applicable law; (ii) support pyramid or Ponzi schemes, matrix programs, other \"get rich quick\" schemes or certain multi-level marketing programs; (iii) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card; (iv) are for the sale of certain items before the seller has control or possession of the item; (v) are by payment processors to collect payments on behalf of merchants; (vi) are associated with the sale of traveler's checks or money orders; (vii) involve certain credit repair, debt settlement services, credit transactions or insurance activities; (viii) involve offering or receiving payments for the purpose of bribery or corruption; or (ix) involve outbound telemarketing;","involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent;","involve collecting donations as a non-verified 501(c)(3) charity or non-profit organization;","constitute or include acting as a money-transmitter;","constitute or include selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property, or providing escrow services;","constitute or include gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether legally defined as gambling) and sweepstakes; or","involve pornography, obscene material or otherwise objectionable content or activities; or are defamatory, libelous, unlawfully threatening or unlawfully harassing.","30. Term and Termination","30.1. Term: These Terms will continue until terminated. Metallicus, in its sole discretion, reserves the right to terminate these Terms, access to its website, App, or access to any aspect of the Services for any reason and at any time upon notice to you (except as otherwise provided in these Terms) and payment to you of any unrestricted funds held in your Metal Pay Service Account.","30.2. Termination: You may terminate your use of the Services at any time and for any reason by deactivating your Account and discontinuing your use of all the Services, including but not limited to removing our Apps and other materials we provided to you from all your devices.","30.3. If your Account is terminated, we will make reasonable efforts to make any content you provided or information about your Account inaccessible to third parties not involved in the provision of our Services. Any such content or information may be retained in caches or backups, and copies of or references may persist indefinitely due to the nature of the Service and the internet.","30.4. Notwithstanding termination of the Terms, all provisions that logically should survive termination for the protection of Metallicus’s rights and protection of your rights, will survive and will remain in full force and effect after termination, including, without limitation, clauses pertaining to suspension or termination, Account cancellation, debts owed to Metallicus, general use of the Services, intellectual property rights, indemnity obligations, disputes with Metallicus, and general provisions.","31. Digital Asset Title; Setoff","31.1 Title to the Digital Assets in your Account will remain with you and will not transfer to us. Such Digital Assets are not property of Metallicus, nor may they be loaned to Metallicus or sold, transferred or rehypothecated by Metallicus unless specifically instructed by you, or if such sale, transfer or rehypothecation is required by a valid court order, competent regulatory agency, government agency or applicable law. As owner of the Digital Assets in your Account, you will bear all risk of loss of such the Digital Assets. We have no liability for Digital Asset fluctuations or loss.","31.2. We may take or set off from any Digital Asset in your Account or deduct from any obligations Metallicus may have to you, any fees or other obligations that you owe Metallicus or its affiliates.  These rights are in addition to other rights we may have to take, transfer, or charge from any assets or balance in your Account for obligations you owe Metallicus or its affiliates pursuant to these Terms.","31.3. Many Digital Assets are deemed fungible and we may treat them as such in connection with your use of the Services, but in each case we will be acting as your agent with respect to Digital Assets to which you hold title as set forth in Clause 31.1 above. In such capacity as your agent, we may store Digital Assets in your Account in a variety of different ways, including across multiple blockchain protocols. For example, we may transfer the Digital Assets off of the primary blockchain protocol and store the Digital Assets on shared blockchain addresses (controlled by us or our affiliates) on alternative blockchain protocols in forms compatible with such protocols.","31.4. All forms of the same Digital Asset that are held and made available across multiple blockchain protocols may be treated as fungible and the equivalent of each other.  By using the Services, you understand and agree to appoint Metallicus as your agent for such purposes, without the need for any further notice to or consent from you.","31.5. No Overdraft Services; Set Off Rights. We do not offer overdraft services or privileges with your Accounts, and you are expected to manage your Account so as not incur any overdrafts or negative balances.  If your Account becomes negative for any reason, that negative balance represents an amount that you owe us. Metallicus may deduct these amounts from funds that are in your Account or added to your Accounts later, either by you or from payments you receive. If you have more than one Account with us, we may set off a negative balance in one Account against a balance in your other Account.","31.6. Note that per Clause 9.5 of these Terms, you are only allowed one Account.  If a negative balance is offset by Metallicus pursuant to this paragraph, it may be combined with another debit coming out of your Account. In addition to the above, if you have a past due amount owed to us, or our affiliates, we may debit your Account to pay any amounts that are more than 180 days past due.","32. Enforcement Costs","32.1. If you fail to comply with any of these Terms in any material respect or any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, a receiver is appointed for all or a substantial portion of your assets, or you make an assignment for the benefit of your creditors, or if any matter analogous to any of the above occurs in respect of you in any other jurisdiction, we will be entitled to recover all reasonable costs or expenses (including without limitation, reasonable attorneys' fees and expenses) incurred in connection with the enforcement of these Terms to the extent permitted by law.","33. Assumption of Rights","33.1. If Metallicus invalidates and reverses a payment that you made to a recipient (either at your initiative or otherwise), Metallicus assumes your rights against the recipient and third parties related to the payment and may pursue those rights directly or on your behalf, in our discretion.","34. WebAuth Wallet","34.1. Our Services may provide you access to the WebAuth Wallet.","35. Indemnification and Release","35.1. Indemnification: You will defend, indemnify and hold the Metallicus Parties harmless from any claim or demand (including without limitation, reasonable attorneys’ fees) made by any third party and any loss, expense, damage, tax, or cost incurred relating to or arising out of your breach or alleged breach of or noncompliance with these Terms, your access to or use of the Services, your violation of any law or the rights of a third party or the actions or inactions of any third party to whom you grant permissions to use your Accounts with us or access the Services on your behalf (including without limitation, negligent or wrongful conduct), except to the extent the loss arises in connection with our gross negligence, wilful misconduct or fraud.","35.2. Release of Metallicus Parties: If you have a dispute with any other user of our Service, you release the Metallicus Parties from all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.","36. Disclaimer of Warranty","36.1. THE SERVICES ARE PROVIDED “AS-IS'' AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE EXTENT PERMITTED BY LAW (INCLUDING NEW ZEALAND CONSUMER LAWS) METALLICUS SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.  METALLICUS ALSO DOES NOT HAVE ANY CONTROL OVER THIRD PARTY DIGITAL ASSET PROVIDERS, OR THIRD PARTIES WHO ASSIST WITH IMPLEMENTING ANY OF THE SERVICES.","36.2. METALLICUS DOES NOT CONTROL, IS NOT RESPONSIBLE FOR AND MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO ANY USER OF OUR SERVICES OR THEIR CONDUCT. YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTION WITH OR RELIANCE ON ANY OTHER USER OF OUR SERVICE OR THEIR CONDUCT. YOU FURTHER UNDERSTAND THAT YOU MAY BE EXPOSED TO CONTENT FROM OTHERS THAT IS OFFENSIVE, INDECENT, OR OBJECTIONABLE.","36.3. METALLICUS DOES NOT MAKE ANY REPRESENTATION OR WARRANTIES AS TO THE ACCURACY, CORRECTNESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY CONTENT APPEARING ON THE SERVICES. SUBJECT TO THE CONSUMER GUARANTEES PROVIDED FOR IN CONSUMER PROTECTION LEGISLATION (INCLUDING THE CONSUMER GUARANTEES ACT 1993) AND OTHER APPLICABLE LAW METALLICUS DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, OR SECURE ACCESS TO ANY PART OF THE SERVICE, AND OPERATION OF OUR WEBSITES OR APPS MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL.","36.4. METALLICUS WILL MAKE REASONABLE EFFORTS TO ENSURE THAT REQUESTS FOR ELECTRONIC DEBITS AND CREDITS INVOLVING ACCOUNTS ARE PROCESSED IN A TIMELY MANNER, BUT METALLICUS MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE PROCESSING BECAUSE THE SERVICES ARE DEPENDENT UPON MANY FACTORS OUTSIDE OF OUR CONTROL, SUCH AS DELAYS IN THE BANKING SYSTEM OR THE U.S. OR INTERNATIONAL MAIL SERVICE. THIS DISCLAIMER APPLIES TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.","37. Intellectual Property","37.1. The Services, including without limitation, our Apps, all the software, software code comprising or used to operate all Accounts and all content, trademarks, copyrighted works, and other materials provided by Metallicus are owned by Metallicus and/or third-party licensors, and are protected by copyrights, trademarks, and other intellectual property rights.","37.2. License Grants, Generally: Subject to the terms and conditions of these Terms, Metallicus grants you a revocable, non-exclusive, non-sublicensable, non-assignable, non-transferable, royalty-free limited license and right to access and use the Services in accordance with these Terms.  Any other use of the Services is strictly prohibited. Unless we give you permission in writing in advance, you will not reproduce, modify, rent, lease, loan, sell, distribute, mirror, frame, republish, download, transmit, create derivative works of or commercially exploit any materials that we provide or that are made available by third parties through the Service, in whole or in part, by any means. You will not alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile, or otherwise attempt to create any source code that is derived from the software that Metallicus provides to you.","37.3. You acknowledge that all rights, title, and interest to the Services are owned by Metallicus. You must not remove, alter, or obscure any copyright, patent, trademark or other proprietary or restrictive notice or legend contained or included in any part of the Services, and you will reproduce and copy all such notices and legends on all copies of any part of the Services that you can make under these Terms, if any. Any rights not expressly granted in these Terms are reserved.  Any third-party software application you use on the Metallicus websites or through the Service is subject to the license you agreed to with the third party that provides you with this software.  You acknowledge that Metallicus does not own, control nor have any responsibility or liability for any third-party software application you elect to use on the Metallicus websites and/or in connection with the Services.","37.4. License Grant from You to Metallicus; Intellectual Property Warranties: Metallicus does not claim ownership of the content that you provide, upload, submit or send to Metallicus.  Nor does Metallicus claim ownership of the content you host on third-party websites or applications that use Services to provide payments services related to your content.","37.5. When you provide content to Metallicus or post content using the Services, you grant Metallicus (and parties that we work with) a non-exclusive, irrevocable, royalty-free, fully assignable, perpetual, sublicensable, transferable, and worldwide license to use, copy, perform and display publicly, distribute, prepare derivative works, and otherwise exploit your content and associated intellectual property and publicity rights in whole or in part, in any form, format or medium. Metallicus will not compensate you for any of your content.","37.6. You represent and warrant that Metallicus’s use of your content will not infringe any intellectual property or publicity rights. Further, you represent and warrant that you own or otherwise control all the rights of the content you provide, and you will waive your moral rights and promise not to assert such rights against Metallicus. By posting content on our Services, you represent and warrant that the posting of your content does not violate these Terms or applicable laws.","37.8. If you provide us any suggestions, input, comments, or feedback (“Feedback”) related to the Services, you agree that all Feedback is and will be given entirely voluntarily and that we are free to use, disclose, reproduce, license or otherwise distribute, and exploit the Feedback as we see fit, entirely without obligation or restriction of any kind on account of intellectual property rights or otherwise.","37.9. Use of Other Users’ Content: You may not use, copy, reproduce, distribute, publish, display, or perform, create derivative works of, transmit, sell, or in any way exploit any of the content posted by others except as expressly set forth in these Terms or allowed by law.","38. Assignment and Change of Control","38.1. You may not transfer or assign any rights or obligations you have under these Terms without Metallicus’s prior written consent. Metallicus may transfer or assign these Terms or any right or obligation under these Terms at any time. Any assignment in violation of these Terms is null and void.","38.2. Without limiting the foregoing, if Metallicus is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.","39. Linked Sites","39.1. Metallicus may provide links to third-party websites or other resources (“Linked Sites”). Metallicus has no control over these Linked Sites and is not responsible for the operation of any Linked Site. Metallicus offers these links as a convenience only, and the availability of any Linked Site is not an endorsement of the content, or any products or services available on these Linked Sites, or an endorsement of any Linked Site’s owners, or its providers.","39.2. You acknowledge and agree that you access these Linked Sites at your own risk. Any interactions or business dealings with advertisers or third parties other than Metallicus found on or through our Service are solely between you and such advertiser or other third party.","39.3. Without limiting any of the above, Metallicus will not be responsible or liable, directly, or indirectly, for any actual or alleged damage or loss caused by or in connection with use of or reliance on any such Linked Site.","40. Third Party Service Providers","40.1. Our Apps work on applications linked to a particular device and operating system, such as Apple’s iOS operating system. Your use of the Services may be subject to separate agreements you may enter into with your mobile device operating system provider (e.g., Apple, Google, or Microsoft®), your mobile device manufacturer (e.g., Apple, Samsung®), your mobile service carrier, and other parties involved in providing your mobile device service, which we collectively refer to as “Third Party Service Providers.”","40.2. You will comply with all applicable third-party terms of agreement when using the Services. We are not a party to those agreements, and we have no responsibility for the products and services provided by third parties. This agreement is between you and Metallicus, not with any Third-Party Service Providers. We are solely responsible for the Services and not for the services provided by any Third-Party Service Providers. Third Party Service Providers have no warranty obligations whatsoever with respect to the Services.","41. Computer Viruses","41.1. We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software.","41.2. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from Metallicus. Always log into your Account(s) exclusively through the Metallicus App or our website to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.","42. Consumer Fraud Warning","42.1. We are always looking for ways to help keep you even more secure.  So, stay on the lookout for some of these common scams:","Spoofing: a scammer sends forged or faked electronic documents or emails falsely claiming to be Metallicus or coming from Metallicus but asks you to send money outside your Accounts with us.","Relative in Need: a scammer impersonates a family member (commonly grandchildren) and claims there is an emergency requiring you to send money.","Lottery or Prize: a scammer informs you that you’ve won a lottery or prize and must send money to claim it.","Debt Collection: a scammer impersonates a debt collector and induces you to send money using threats or intimidation.","Employment Related: a scammer instructs you to send money in connection with a fraudulent offer of employment.","42.2. Always use common sense when sending money or Digital Assets. If something sounds too good to be true, it probably is. Only send money or Digital Assets for yourself and not for others. Please let us know immediately if you believe someone is trying to scam or defraud you by contacting us at help@metalpay.com if pertaining to your Metal Pay Service Account.","43. Entire Agreement","43.1. These Terms and the Additional Agreements sets forth the entire understanding and agreement between us and supersede all prior understandings and agreements between you and Metallicus with respect to the subject matter hereof.","44. Force Majeure","44.1. We are not liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, significant market volatility, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, pandemic, epidemic, other catastrophe or any other occurrence which is beyond our reasonable control.","45. Non-Waiver of Rights","45.1. These Terms will not be construed to waive rights that cannot be waived under applicable state money transmission or other laws in the state where you are located.  No failure on the part of any party to exercise, and no delay in exercising, any right hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right hereunder, or the written waiver thereof, preclude any other exercise of the same right or of any other right hereunder.","46. Severability","46.1. Nothing contained in these Terms shall be construed to require the commission of any act contrary to law, and if any provision of these terms is for any reason be held invalid, illegal, or unenforceable the same will not affect the validity of these Terms or of any other provision hereof and these Terms will be interpreted and construed as if such provision, to the extent invalid, illegal, or unenforceable, had not been contained herein.","47. Respect for the Information of Others","47.1. If you receive confidential and/or private information about another Metallicus customer through the Service, you must keep the information confidential and only use it in connection with the Service. You may not disclose or distribute any information about Metallicus users to a third party or use the information for marketing purposes unless you receive that user’s express consent to do so. You may not send unsolicited emails to a Metallicus customer or use the Service to collect payments for sending, or assist in sending, unsolicited emails to third parties.","48. Disclosures Regarding Digital Assets","48.1. Use, Transfer, and Exchange of Digital Assets: The use, transfer and exchange of some Digital Assets may be subject to applicable federal and state laws, including without limitation, rules and regulations promulgated by various regulatory agencies, such as the New Zealand Commerce Commission, New Zealand Financial Markets Authority, New Zealand Department of Internal Affairs, Securities and Exchange Commission, Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission, Internal Revenue Service and state money transmission or virtual currency business licensing agencies. U.S. federal and state laws and regulations on Digital Assets are subject to significant uncertainty and are evolving rapidly. While we are making reasonable efforts to comply with applicable rules and regulations in the U.S. and internationally with respect to our operations, we cannot predict nor guarantee that your use, transfer, or exchange of Digital Assets through our Services will not be subject to any such regulations, either now or in the future. Any change of Digital Assets regulations may have a material negative impact on your ability to use and transfer such Digital Assets and may cause you to lose all or a portion of the value of such Digital Assets.","48.2. Bank Fees: Your bank may charge you fees for sending or receiving funds through our Services. For example, depending on your location, you may be charged currency conversion processing fees, international transactions fees, or other fees even when your transaction is domestic and does not require a currency conversion. Metallicus is not liable for any fees charged to you by your bank or other financial institution based on your usage of MTL or our Services.","48.3. Transparency Statement: Metallicus does not in any way obscure the information that it requests or obtains. Due to the inherent transparency of blockchains, transactions to and from Metallicus are public and easily correlated. Attempting to use Metallicus to obscure transactions or assets in any way is pointless. Law enforcement has full access to blockchain information that goes in or out of our system. Metallicus will comply voluntarily with all legal reporting obligations and specific requests for information from it. As such, we reserve the right to provide information to law enforcement personnel and other third parties to answer inquiries; to respond to legal process; to respond to the order of a court of competent jurisdiction and those exercising the court’s authority; and, to protect Metallicus and our users.","48.4. Anti-Money Laundering and Counter-Terrorist Financing Statement: Metallicus is committed to full compliance with all applicable laws and regulations regarding Anti- Money Laundering and sanctions screening (“AML”).  Our policy is to prevent sanctioned/non sanctioned people engaged in money laundering, fraud, and other financial crimes, including without limitation, terrorist financing, from using the Services.  Metallicus and our third-party partners have robust policies and procedures to detect, prevent and report suspicious activity. To comply with OFAC requirements with respect to U.S. sanctions, and global sanctions, we screen our customer accounts against government sanctions lists. We report suspicious transactions to federal authorities in accordance with applicable law, as well as to the financial intelligence unit/regulator in the respective country.","48.4.1. How does this impact you? As part of our AML procedures, we collect information from you to satisfy our “know your customer” (“KYC”) obligations. This means that we may request information from you due to a specific identification requirement or because of our watch list screening process. We may ask you to provide documentation to help confirm your identity or provide additional information regarding your activities.","48.4.2. When is this information requested? We may ask for this information during Account opening or as part of our Account review process, which we periodically conduct on our existing customers.","48.5. No Agency, Trustee or Fiduciary Relationship: Metallicus is only a payment service provider. We do not: act as a custodian or escrow agent with respect to any money sent to you through our Service that has not been transferred; act as your escrow agent or trustee; enter into a partnership, joint venture, escrow agency, or employment relationship with you; guarantee the identity of any user or seller; or determine if you are liable for any taxes.","49. Digital Assets Prices, Exchange Rates, and Confirmations","49.1. Digital Assets are not official currencies and are highly experimental and risky. The Services (which include but are not limited to purchasing Digital Assets on users’ behalf) attempt to provide accurate price and exchange rate information, but this information is highly volatile, it is determined by third parties and can change quickly without users necessarily being aware of these changes.","49.2. Exchange rates that you as a consumer receive when remitting payments to other consumers are calculated at the time your transaction is accepted.  Due to varying types and levels of security between blockchains and networks, your payment is typically considered “accepted” when Metallicus has verified three blockchain confirmations. Metallicus may occasionally accept a payment with zero confirmations, although this decision is at Metallicus’s sole discretion. It is important to note that a payment being broadcast to the blockchain network does not constitute an acceptance by Metallicus of that payment. The blockchain is responsible for confirming Digital Asset transactions and Metallicus is not liable for any loss due to, but not limited to, errors in the protocol, delays or any other breakdown relating to the blockchain. Metallicus cannot confirm, cancel, or reverse Digital Asset transactions.","49.3. Metallicus is not liable for any errors, loss, or omissions due to sending Digital Assets to or receiving Digital Assets from incorrect wallet addresses, email addresses, entering incorrect transaction amounts, or any other information related to Digital Asset transactions by using the Service. It is your sole responsibility to use the correct Digital Asset addresses, email addresses, and transaction amounts when transacting.","49.4. Digital Assets are securely stored in a combination of online and offline storage. As a result, it may take up to 48 hours or more to facilitate Digital Asset transactions. By using the Services, you accept the risk that transactions may be delayed, and you agree not to hold Metallicus liable for any damages or loss due to delays.","49.5. The information contained on Metallicus websites, Services, or Apps does not constitute accounting, legal, financial, consulting investment or other professional advice. You bear all the risks from any decision to hold, purchase or sell Digital Assets on our Services, websites, and Apps and Metallicus will not be liable for any loss suffered.","50. Returns and Refund Policy","50.1. Important: Transactions in Digital Assets are, by their nature, generally irreversible, and their exchange rates are highly volatile and transitory. For these reasons, customers may only receive a refund if Metallicus has not yet completed the transmission. Once the asset has been transmitted, no refund is possible, even if the wrong address was provided to Metallicus. All sales after transmission are final.","50.2. Our Digital Assets: “MTL” is Metal’s proprietary Digital Asset. Some eligible transactions including sending or receiving payments for goods or services allowed by us at our discretion may earn MTL rewards if and when promotional programs are available and active.","50.3. Permissible Use: You may only use the Services as a mechanism of software ledger entry translation between you and Metallicus. You are prohibited from using the Services for translating ledger entries with other parties, except for making and receiving payments as permitted under the Terms.","50.4. Costs: From time to time, we may need to spend time dealing with issues brought to us by customers. Where any customer issue is not caused by our negligence or oversight, we reserve the right to recover from the customer reasonable administrative costs spent addressing the customer issue.","50.5. Digital Assets Conversion: Some uses of your Metal Pay Service Account require a currency conversion. Examples of such conversions include, without limitation, converting your Metal Pay Service Account balance in U.S. dollars or any other permitted currencies to a Digital Asset, from one Digital Asset to another Digital Asset, or from a Digital Assets to U.S. dollars or any other permitted currencies. Such conversions will be performed at the most current market rate established by a third-party partner. The exchange rate is displayed in the transaction information in your digital wallet with us. Any such conversion may cause you to incur costs, including without limitation, those related to taxes (e.g., tax filing costs, tax liabilities).","51. Digital Assets Tax Disclosures","51.1. Each user should consult with and must rely upon the advice of its own professional Tax advisers with respect to all U.S. federal income Tax, state or local, and non-U.S. Tax treatment of MTL tokens and the purchase, sale, storage, and rewarding of Digital Assets through the Services. The Tax treatment of the MTL tokens and all tokens generally is uncertain and there may be adverse Tax consequences for Service users that hold, receive, transfer, trade, and/or purchase the MTL or any other related tokens. The purchasing, transferring, receiving, or holding of, or investing in, MTL tokens may result in adverse tax consequences, including without limitation, withholding Taxes, income taxes and tax reporting requirements. Metallicus does not intend to request a ruling from the U.S. Internal Revenue Service (“IRS”) or any other tax authority or governmental agency on these issues.","51.2. On March 25, 2014, the IRS released Notice 2014-21, 2014-16 I.R.B. 938 (the “Notice”), which discusses certain aspects of the treatment of convertible virtual currencies for U.S. federal income tax purposes. A “convertible virtual currency” is a digital currency that has an equivalent value in real currency or acts as a substitute for real currency.  The Notice provides that for U.S. federal income tax purposes a convertible virtual currency is considered “property” and not a “currency.” Further, the character of any gain or loss of a transaction involving a convertible virtual currency depends on whether it is a capital asset in the hands of the taxpayer. Any Service user that chooses to transfer funds via the Services with the MTL token (instead of cash) may be required to report a gain or loss to the extent the user’s basis differs from the fair market value of the token at the time of the transfer. That same tax exposure exists for those Service users that choose to sell their MTL token(s) on a secondary market.","51.3. There is no guarantee that the IRS will agree that the MTL token falls within the parameters of the Notice or that the IRS will not alter its position with respect to digital currency in the future or that a court would uphold the tax treatment set forth in the Notice. In addition, Metallicus can provide no assurance that future legislation will not treat digital currency, including without limitation, MTL, as currency for U.S. federal income tax purposes. If treated as currency for such purposes, gains recognized on the disposition of MTL would constitute ordinary income, and losses recognized on the disposition of MTL could be subject to special reporting requirements applicable to “reportable transactions.”","51.4. Further, the Notice fails to address significant aspects of the U.S. federal income tax treatment of digital currency, including, without limitation: (a) whether convertible virtual currency is properly treated as a “commodity” or as a “collectible”; (b) the proper method of determining a holder’s holding period and tax basis for such acquired at different times or at varying prices; and (c) whether and how a holder of convertible virtual currency acquired at different times or at varying prices may designate for U.S. federal income tax purposes which units of the virtual currency are transferred in a subsequent sale, exchange or other disposition (e.g., last-in first-out).","51.5. Additionally, the IRS has increased enforcement actions on virtual currency transactions. On July 2, 2018, the IRS announced a new compliance initiative on virtual currencies (the “Campaign”). The purpose of the Campaign is to “address noncompliance related to the use of virtual currency through multiple treatment streams including outreach and examinations.” Said another way, the IRS seems to have made it a priority to audit those returns with some level of virtual currency transactions; however, the breadth of the Campaign’s execution is unknown at this time, and it is likely to vary depending on the IRS’s successes and failures in the Campaign’s execution.","51.6. The U.S. Infrastructure Investment and Jobs Act (2021) clarifies and expands the rules regarding the reporting of information on digital assets by brokers.","51.7. THE TAX ASPECTS OF MTL TOKENS AND THE PURCHASE, SALE, STORAGE, AND REWARDING OF DIGITAL ASSETS THROUGH THE SERVICES ARE COMPLEX, AND YOU SHOULD REVIEW THE TAX CONSIDERATIONS APPLICABLE TO THE SAME WITH A PROFESSIONAL ADVISOR THAT IS FAMILIAR WITH YOUR TAX SITUATION AND WITH THE SPECIFIC LAWS AND REGULATIONS APPLICABLE TO YOU AND DIGITAL ASSETS. METALLICUS PROVIDES NO GUARANTEE OR ASSURANCE THAT YOU WILL NOT SUFFER ADVERSE TAX CONSEQUENCES BY VIRTUE OF YOUR USE OF MTL TOKENS OR THE PURCHASE, SALE, STORAGE, AND REWARDING OF DIGITAL ASSETS THROUGH THE SERVICES. THE TAX TREATMENT IN OTHER JURISDICTIONS MAY BE DIFFERENT TO THE TAX TREATMENT IN THE U.S..","51.8. Unlawful Internet Gambling Notice; Cannabis Transactions: Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through your Account or your relationship with Metallicus. Restricted transactions generally include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling. You will not use your Accounts to transfer or accept funds to or from any person that is engaged, directly or indirectly, in the possession, production or distribution of marijuana or cannabis products that are illegal under state or federal law.","52. Customer Feedback, Queries, Complaints, and Dispute Resolution","52.1. Contact Metallicus: If you have feedback, or general questions, contact us via our Help Center webpage at https://help.metalpay.com. When you contact us, please provide us with your name, and any other information we may need to identify you, your Metal Pay Service Account(s), and the transaction on which you have feedback or questions. Metallicus requires that all legal documents (including without limitation, civil subpoenas, complaints, and small claims) be served on our registered agent for service of process. Please note that our registered agent will accept service only if the entity identified as the recipient of the document is identical to the entity registered with the Secretary of State and for which our registered agent is authorized to accept service. By accepting service of a legal document, Metallicus does not waive any objections we may have and may raise in response to such document.","52.2. Formal Complaint Process: If you have a dispute with Metallicus (a “Complaint”), you must contact Metallicus through our complaints mailbox at help@metalpay.com to attempt to resolve any such Complaint amicably. If we cannot resolve the Complaint through the Metal Pay client services team, you and we will use the formal complaint process set forth below. You must use this process before filing any mediation action.","52.2.1. Procedural Steps: If your Complaint is not resolved through your contact with Metal Pay client services, you must use our complaint form to describe your Complaint, how you would like us to resolve the Complaint, and any other information related to your Complaint that you believe to be relevant. The complaint form can be found on the Metal Pay Help Center at https://help.metalpay.com or can be requested from Metal Pay Client Services at help@metalpay.com.","52.2.2. Metallicus Response: We will acknowledge receipt of your Complaint form after you submit it. A Metal Pay client services office (\"Complaints Office\") will review your Complaint. The Complaints Office will evaluate your Complaint based on the information you provide and information in Metallicus’s possession. Within 15 Business Days of our receipt of your Complaint form, the Complaints Office will address the issues raised in your Complaint form by sending you an e-mail (\"Resolution Notice\") in which the Complaints Office will:","offer to resolve your Complaint in the way you requested;","decide on rejecting your Complaint and set out the reasons for the rejection; or","offer to resolve your Complaint with an alternative solution.","In exceptional circumstances, if the Complaints Office is unable to respond to your Complaint within 15 Business Days for reasons beyond Metallicus's control, the Complaints Office will send you a communication indicating the reasons for any delay in answering your Complaint and specifying the deadline by which the Complaints Office will respond to your Complaint, which will be no later than 36 Business Days from our receipt of your Complaint form.","52.3. Dispute Resolution (Mediation): If you and Metallicus are unable to resolve your Complaint through the formal complaints process outlined above, you and Metallicus will resolve such Complaint as set forth in this clause. By agreeing to these terms, you agree you are required to resolve any claim that you may have against Metallicus on an individual basis via mediation, in accordance with the following, and in accordance with the Mediation Protocol of the Arbitrators' and Mediators' Institute of New Zealand Inc. (\"AMINZ\"):","The parties must agree on a mediator within 10 Business Days of the cessation of the formal complaints process outlined above. If they fail to do so, any party may request the AMINZ to appoint a mediator.","Any mediator agreed by the parties or appointed by AMINZ must be independent and impartial.","The mediation must commence within 20 Business Days after the mediator has been appointed and must be concluded within 30 Business Days after the mediator has been appointed, unless otherwise agreed by the parties.","The mediation can take place online or in person.","The parties must cooperate in good faith with the mediator and must comply with requests by the mediator including requests to submit written materials, provide 3evidence, attend meetings and pay the mediator's fees.","The parties agree that the mediation will be private and confidential and they undertake not to rely on or introduce as evidence in any arbitral or judicial proceedings, whether or not such proceedings relate to the Complaint that is the subject of the mediation, any matter relating to the mediation (including the existence of the mediation), any settlement agreement, materials created for the purpose of mediation and documents produced by another party in the mediation except: (i) for the purpose of makin an application to a court of competent jurisdiction to enforce the settlement agreement; (ii) pursuant to the order of a court of competent jurisdiction; or (iii) if required by any federal or state laws which is binding on the party making the disclosure.","52.4. No party may commence any judicial proceedings in relation to the Complaint unless: (i) it has complied with any obligation under Clauses 52.2. and 52.3; (ii) those proceedings are commenced for the purpose of enforcing Clause 52.3. or to seek interlocutory relief; or (iii) following the procedures in the complaints process in Clause 52.2. would mean that a limitation period for a cause of action arising from or relating to the Complaint will expire.","53. Metallicus’s Copyright Policy","53.1. Metallicus will investigate claims of copyright infringement and take appropriate actions under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (\"DMCA\"). If you believe that any content on the Metal Pay website or accessible through our Services has infringed your copyright, you may submit a written notification of claimed copyright infringement to the following Designated Agent:","1429 Rollins Road Burlingame, CA 94010, USA","Attn: Legal Department","legal@metalpay.co","53.2. DMCA Notification: To be effective, the notification must be written and include the following (please consult your legal counsel or see Section 512(c)(3) of the DMCA to confirm these requirements):","a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;","identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;","identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material; (providing URLs in the body of an email is the best way to help us locate content quickly);","information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;","a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;","a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.","53.3. After removing material according to a valid DMCA notice, we will immediately notify the individual responsible for the allegedly infringing material that we have removed or disabled access to the material.","53.4. How to Make a Counter Notification: If you are a registered user of our services and you feel that material that you have placed online and that has been removed following an infringement complaint is in fact NOT an infringement, you may file a counter notification. Section 512 (g)(3) of the DMCA requires that, to be valid, the counter notification must be written and addressed to our Designated Agent (listed above) and must provide the following information:","a physical or electronic signature of the subscriber;","identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;","a statement under penalty of perjury that the subscriber has a good faith belief that the material was removed or disabled because of mistake or misidentification of the material to be removed or disabled; and","the subscriber’s name, address, and telephone number, and a statement that the subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the subscriber’s address is outside of the United States, for any judicial district in which the service provider may be found, and that the subscriber will accept service of process from the person who provided notification under or an agent of such person.","53.5. Our Designated Agent will present your counter notification to the person who filed the infringement complaint. Once your counter notification has been delivered, Metallicus is allowed under the provisions of Section 512 to restore the removed material in not less than ten or more than fourteen days, unless the complaining party serves notice of intent to obtain a court order restraining the restoration.","53.6. If you do not comply with all the requirements of this Copyright Policy, your DMCA notice, or counter notification may not be valid. Only DMCA notices and counter notifications should go to our Designated Agent. If you send an email or notice to our Designated Agent without a proper subject line, or for purposes other than communication about copyright claims, we may not acknowledge or respond to your communication. Any other feedback, comments, requests for technical support, and other communications should be directed to our customer service at help@metalpay.com.","53.7. It is our policy to terminate, under appropriate circumstances, any accounts of individuals who are repeat copyright infringers, and reserves the right, in its sole discretion, to terminate any access by individuals for actual or apparent copyright infringement.","54. Governing Law","54.1. Except to the extent inconsistent with or preempted by federal law and except as otherwise stated in these Terms, the laws of the State of Delaware, without regard to principles of conflict of laws that require the application of the law of another jurisdiction, will govern these Terms and any claim or dispute that has arisen or may arise between you and any Metallicus entity.","55. Protocol Exclusions","55.1. Distribution and support for airdropped Digital Assets and forked protocols is solely at Metallicus’s discretion. Metallicus does not support Digital Assets that are not listed on the Digital Assets offering page.","56. Digital Asset Payment Recovery","56.1. Digital Asset payments that are transferred into a wallet address that does not support the Digital Asset may not be credited to the account holder’s wallet. Metal Pay account holders can submit a payment recovery request by contacting help@metalpay.com. Metallicus reserves the right to charge a fee of 10% of the recovered amount but no less than $20 USDC or $20 USD fee to recover the Digital Assets if the error is not attributable to Metallicus.","APPENDIX 1 – E-SIGN Disclosure and Consent Policy","E-SIGN Consent to Use Electronic Records and Signature","We are legally required to provide you with certain disclosures and information about the use of electronic records and electronic signatures as well as the electronic delivery of disclosures, documents, notices, and other information.","Electronic Delivery of Disclosures and Notices","The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”) and related state laws. As part of the application process, including the establishment and ongoing maintenance of your Account, you have the option to receive all required documents and disclosures electronically. In order for you to take advantage of this service, you must first be provided with this E-SIGN Disclosure and Consent document. If, after reading this document carefully, you continue to access and use the Services, that constitutes your affirmative consent to receive disclosures, notices, and other documents and all changes to the disclosures, notices, etc. (“Records and Communications”) electronically.","Your agreement permits us to communicate with you via email as well as to our general use of electronic records and electronic signatures in connection with the Services. You further agree that your computer or mobile device satisfies the hardware and software requirements specified below and that you have provided us with a current email address to which we may send electronic Records and Communications to you. If you do not consent to receiving Records and Communications or transacting via electronic records or signatures, you should not use the Services.","Types of Disclosures and Notices That Will be Provided in Electronic Form: You agree that we may provide you with Records and Communications in electronic format. Your consent to receive electronic Records and Communications includes, but is not limited to:","All legal and regulatory disclosures, documentation, contracts, Terms, policies, rules and other communications related to the Services, including updates thereto;","Notices or disclosures about a change in the terms concerning the Services;","Account details, history, transaction receipts, confirmation, and any other Account or transaction information;","Privacy policies and notices; and","Other communications that we may include from time to time as part of our products and services.","Providing Records and Communications in Electronic Form: If you consent, we will provide Records and Communications to you in electronic form by (i) by email and hyperlinks included in emails; (ii) websites; (iii) mobile applications; (iv) mobile websites;  or (v) SMS messages (including text messages).","Hardware and Software Requirements: To receive an electronic copy of Records and Communications, you must have: (1) a personal computer or other device capable of accessing the internet; (2) internet access; (3) a valid email address and mobile device that can receive text messages; (4) a widely-used, recent- generation web browser (for example, Chrome or Internet Explorer); (5) a current version of a program that accurately reads and displays PDF files (such as Adobe Reader 10 or above);(6) a printer, hard drive or other storage capability.","Your access to this page verifies that your system/device/software meets these requirements listed above.","Additional Mobile Technology Requirements: If you are accessing our website and any consents or disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save any such consents or disclosures presented to you during the Application process. These applications can be found for most mobile devices in the devices’ respective “app store”. If you do not have these capabilities on your mobile device, please access our website through a device that provides these capabilities.","Your Enrolment in Electronic Services Using Our Equipment: If you attempt to utilize any of our Services through one of our customer service representatives or using our website or App, your Application may not be complete until you take additional action. We will advise you, at the time of your enrollment, of any additional action you must take. If you take the required action, it is an affirmation of your consent to use electronic records and signatures under the terms of this ESIGN Consent.","How to Withdraw Consent","You may withdraw your consent to receive Records and Communications in electronic form by contacting us at help@metalpay.com. Withdrawing your consent will cancel your agreement to receive Records and Communications in an electronic format related to the Services and may impact your ability to use or access your Account. We reserve the right to cancel services provided to you if you withdraw your consent to receive Records and Communications in electronic form.","Any withdrawal of your consent to receive electronic Records and Communications will be effective only after we have a reasonable period of time to process your withdrawal. You will not be charged a fee for withdrawing your consent to receive electronic Records and Communications.","How to Update Your Information","You are responsible to provide us with a true, accurate and complete email address, contact and other information related to this E-SIGN Disclosure and Consent, and to maintain and update promptly any changes in that information. You can update your information through the App and/or website.","Requesting Paper Copies","We will not send a paper copy of any Records and Communications to you unless you request us to do so, or we otherwise deem it appropriate to do so. You can obtain a paper copy of your electronic Records and Communications by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy of any Records and Communications be mailed to you, contact us at help@metalpay.com. Please be sure to state that you are requesting a paper copy of particular Records and Communications. You may be charged a fee for such a request.","Records and Communications in Writing","All Records and Communications in electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this E-SIGN Disclosure and Consent and any other Records and Communications important to you.","Termination/Changes","We reserve the right, in our sole discretion, to discontinue the provision of electronic Records and Communications, or to terminate or change the terms and conditions on which we provide electronic Records and Communications. We will provide you with notice of any such termination or change as required by law.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/terms-nz"},"/faqs":{"version":1,"title":"FAQs — Metal Pay","description":"To ensure you make the most of our services, we've compiled a list of frequently asked questions.","keywords":"","h1":["Metal Pay FAQs"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","To ensure you make the most of our services, we've compiled a list of frequently asked questions:","1.","How do I add funds?","2.","How do I Sell Crypto on Metal Pay?","3.","How do I Buy Crypto on Metal Pay?","4.","How do I link my bank account with Metal Pay?","5.","How do I send cash in Metal Pay?","6.","How do I link my debit card to Metal Pay?","7.","How can I send crypto to my WebAuth Wallet?","8.","How do I Deposit Crypto to Metal Pay?","9.","How do I turn on/off Recurring Buys?","10","What is the Trading Fee Structure on Metal Pay?","If you have any additional questions or need assistance, our support team is available to help.","Open Metal Pay","Your secure digital wallet, for everything. Pay friends, get paid, buy crypto or just save up for a rainy day.","Advanced Products","WebAuth Wallet","Metal X Lending","Metal X Exchange","XPR Network","Metal Blockchain","How To Buy Crypto","Company","Metallicus Inc.","Careers","Blog","Terms","Privacy Policy","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807). All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses. © 2024 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency. All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.'s licenses and/or the applicable law depending on the jurisdiction"],"codeblock":[],"url":"/faqs"},"/terms":{"version":1,"title":"Terms of Use — Metal Pay","description":"Metal Pay is a secure app for buying, selling, and trading cryptocurrencies. Terms of Use.","keywords":"","h1":["Metallicus, Inc. Terms of Service for US"],"h2":[],"h3":[],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Metal Pay for Business","US","AUS","NZ","MetalPay, Inc. Terms of Service","Last updated: June 18, 2026","Metallicus, Inc. and its affiliates (collectively, “Metallicus,” “us,” “we,” or “our”) is offering you (“you” or “your”) access to various services offered by us through our websites and mobile applications related to payments and Digital Assets.","Please make sure that you read and understand these Terms of Service (“Terms”). These Terms represent a legal agreement between you and Metallicus that governs your use of the Services (defined below). To use the Services, you must agree to these Terms, our Privacy Policy, the E-Sign Disclosure and Consent Policy in Appendix 1, and any additional terms and conditions we disclose to you that may be associated with our Services (“Additional Agreements”). THESE TERMS INCLUDE AN AGREEMENT TO RESOLVE DISPUTES BY ARBITRATION ON AN INDIVIDUAL BASIS AND THUS PROHIBIT CLASS ACTION CLAIMS. PLEASE REFER TO SECTION 42 (AGREEMENT TO ARBITRATE) FOR ADDITIONAL DETAILS.","The Additional Agreements are incorporated into and made a part of these Terms.  If there is any conflict between these Terms and any Additional Agreements, the terms of the Additional Agreement will control for the specific Service to which those terms pertain. If you do not agree to these Terms (including without limitation all applicable Additional Agreements), please do not click the “I accept” box or use any of the Services, download or use any App, or create an Account.","We may modify these Terms from time to time. The revised Agreement will be effective as of the time it is posted but will not apply retroactively.  If we modify these Terms, we will post our modified Terms on our website or provide notice by email or otherwise through the Services or through other reasonable means. If our changes reduce your rights or increase your responsibilities, we will provide notice to you of at least 21 days before the changes become effective. By continuing to use the Services, you agree that you accept all the modifications to these Terms.  If you do not agree to the new Terms, you must stop using the Services. Notwithstanding the foregoing, we will not be required to give you prior notice of a change in these Terms if an immediate change in these Terms is necessary to maintain or restore the security of your Account or our systems.","Eligibility. By accepting these Terms, you affirm that you (a) are at least 18 years old, or the age of majority in your jurisdiction (if higher), and (b) have full power and authority to enter into these Terms on your behalf and doing so will not violate any other agreement to which you are a party.","Digital Assets Risks.  You can change your risk preference at any time, although it may take us up to 3 Business Days to adjust accordingly to the purchase of Digital Assets.  DIGITAL ASSETS ARE NOT FDIC-INSURED OR OTHERWISE GUARANTEED OR BACKED BY ANY GOVERNMENT AGENCY AND PURCHASING THEM INVOLVES RISK BECAUSE THEY MAY LOSE VALUE. Please consider your objectives before registering for the Metal Pay Service. We do not guarantee any outcome and any projections are hypothetical in nature. Past performance is not a guarantee of future results. You are solely responsible for evaluating the risk associated with use of the Metal Pay Service. For specific information regarding the sale and purchase of Digital Assets please see our Disclosures Regarding Digital Assets policy in Section 39 (Disclosures Regarding Digital Assets) below. As with any asset, the value of Digital Assets can go up or down and there can be a substantial risk that you lose money by buying, selling, holding, or investing in Digital Assets. You should carefully consider whether trading or holding Digital Assets is suitable for you considering your financial condition and you should consult with your financial advisor, legal, or tax professional regarding your specific situation. Metallicus is not registered with the U.S. Securities and Exchange Commission and does not offer securities services in the United States or to U.S. persons.","No Investment Advice or Brokerage: For the avoidance of doubt, Metallicus does not provide investment, tax, or legal advice, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. Metallicus may provide educational information about supported Digital Assets, as well as Digital Assets not supported by Metallicus, in order to assist users in learning more about such Digital Assets. Information may include, but is not limited to, blog posts, articles, links to third-party content, news feeds, tutorials, and videos. The information provided on our website or any such third-party sites does not constitute investment advice, financial advice, trading advice, or any other sort of advice, and you should not treat any of the website's content as such. Metallicus does not recommend that any Digital Asset should be bought, earned, sold, or held by you. Metallicus will not be held responsible for the decisions you make to buy, sell, or hold Digital Assets based on the information provided by Metallicus.","Metallicus does not broker trades on your behalf unless otherwise specified on a specific product. All Metallicus trades are executed automatically, based on the parameters of your order instructions and in accordance with posted trade execution procedures","LIMITATION OF LIABILITY.","THE METAL PARTIES’ (DEFINED BELOW) LIABILITY UNDER THESE TERMS IS LIMITED WITH RESPECT TO YOUR ACCOUNTS AND YOUR USE OF THE SERVICES.  IN NO EVENT SHALL THE METAL PARTIES BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF DATA OR LOSS OF BUSINESS), OR TAXES (INCLUDING ANY APPLICABLE WITHHOLDING TAXES) ARISING OUT OF OR IN CONNECTION WITH ANY OF THE SERVICES OR THESE TERMS (HOWEVER ARISING, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), UNLESS AND TO THE EXTENT SUCH LIMITATIONS ARE PROHIBITED BY LAW. OUR LIABILITY TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES INCURRED BY YOU IN CONNECTION WITH YOUR USE OF OUR SERVICES OR THESE TERMS IN THE 12 MONTHS PRECEDING THE APPLICABLE CLAIM. IN ADDITION, AND NOTWITHSTANDING THE FOREGOING, TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE METAL PARTIES ARE NOT LIABLE, AND YOU AGREE NOT TO HOLD THE METAL PARTIES RESPONSIBLE, FOR ANY DAMAGES OR LOSSES (INCLUDING, BUT NOT LIMITED TO, LOSS OF MONEY, DIGITAL ASSETS, GOODWILL, BUSINESS, REPUTATION, PROFITS, TAXES (INCLUDING ANY APPLICABLE WITHHOLDING TAXES), OR OTHER INTANGIBLE LOSSES OR ANY SPECIAL, INDIRECT, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES) RESULTING DIRECTLY OR INDIRECTLY FROM: (a) YOUR USE OF, OR YOUR INABILITY TO USE, THE SERVICES; (b) DELAYS OR DISRUPTIONS IN THE SERVICES; (c) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY ACCESSING THE SERVICES OR ANY WEBSITE OR SERVICE LINKED TO THE SERVICES; (d) GLITCHES, BUGS, ERRORS, OR INACCURACIES OF ANY KIND IN THE SERVICES OR IN THE INFORMATION AND GRAPHICS OBTAINED FROM THEM; (e) THE CONTENT, ACTIONS, OR INACTIONS OF THIRD PARTIES; (f) YOUR NEED TO MODIFY YOUR PRACTICES, CONTENT, OR BEHAVIOR, OR YOUR LOSS OF OR INABILITY TO DO BUSINESS, AS A RESULT OF CHANGES TO THESE TERMS OR OUR POLICIES; OR (g) A SUSPENSION OR OTHER ACTION TAKEN WITH RESPECT TO YOUR ACCOUNTS. THIS IS A COMPREHENSIVE LIMITATION OF LIABILITY THAT APPLIES TO ALL LOSSES AND DAMAGES OF ANY KIND (WHETHER INDIRECT, GENERAL, SPECIAL, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, LOSS OF DATA, INCOME OR PROFITS), WHETHER THE CLAIM IS BASED ON CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), STRICT LIABILITY OR ANY OTHER LEGAL THEORY, EVEN IF AN AUTHORIZED REPRESENTATIVE OF METAL HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, AND WITHOUT REGARD TO THE SUCCESS OR EFFECTIVENESS OF OTHER REMEDIES, PROVIDED THAT THIS LIMITATION OF LIABILITY ONLY APPLIES TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW AND DOES NOT APPLY IF THE METAL PARTIES ARE EITHER GROSSLY NEGLIGENT OR ENGAGE IN INTENTIONAL MISCONDUCT.","Prohibited Territories.","Some of our Services are available only in certain territories.  You cannot use those Services in any Prohibited Territory. By accessing or using a particular Service, you affirm that (a) you are a legal resident in one of the Allowed Territories, and (b) you will only use the Service if you reside in an Allowed Territory.  We will update these Terms and/or our websites as geographic updates become available.","Defined Terms.","The following capitalized terms used in these Terms have the following meanings. Any other capitalized terms used in these Terms will have the meanings we otherwise provide in these Terms.","“Acceptable Use Policy” has the meaning given in Section 19 (Metallicus Acceptable Use Policy) of these Terms.","“Account” means an account that you create with us to access or use the Services.","“Account Statement” means a statement showing your Account activity.","“Allowed Territories” means the territories set forth in the Metal Pay regions guide.","“App” means any software application we provide for you to use our Services on a mobile device.","“Business Days” mean(s) Monday through Friday, excluding holidays when our offices are not considered open for business in the U.S.  Holidays include New Year’s Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington's Birthday (the third Monday in February), Memorial Day (the last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25).  If a holiday falls on a Saturday, we observe the holiday on the prior Friday. If the holiday falls on a Sunday, we observe the holiday on the following Monday.","“Digital Asset(s)” means anything that is created and stored digitally, is identifiable and discoverable, and has or provides value.","“Digital Asset Custodian” means Fireblocks Ltd. or Fireblocks Inc.","“Electronic Communication” means any and all communications, agreements, documents, notices, and disclosures that we provide to you electronically.","“Electronic Fund Transfer” means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct transmissions or withdrawals of funds, transfers initiated via telephone, website, or mobile application.","“Eligible Bank Account” means a bank account opened and maintained at a bank in the United States.","“Eligible Credit Account” means an Eligible Bank Account, Valid Credit Card, or a Valid Debit Card.","“Identity Verification” means verifying your identity by providing your first name, last name, email address, address, state of residence, social security number, and a government ID with your recent photograph.","“Linked Account” means an Eligible Credit Account that you maintain at a bank or other financial institution and that is linked to your Metal Pay Service Account.","“Metal Pay Service” means the Metal Pay™ website and App that allows you to send and receive money from friends and family, send money to merchants, and buy and sell Digital Assets.","“Metal Pay Service Account” means your Account for the Metal Pay Service.","“Metal Parties” means Metallicus and its affiliates, and each of their respective directors, officers, employees, agents, joint ventures, licensors, shareholders, service providers and suppliers.  Affiliates include each entity that we control, is controlled by us, or is under common control with us.","“MTL” means our Metal Digital Asset tokens.","“OFAC Prohibited Territory” means all countries and jurisdictions on the OFAC Sanctions List, available at https://sanctionssearch.ofac.treas.gov/.","“Preauthorized Electronic Fund Transfer” means an Electronic Fund Transfer that you have authorized in advance to recur at intervals of 60 days or less; for example, direct remittances to or withdrawal of funds out of your Metal Pay Service Account.","“Prohibited Territory” means any state, territory, or country that is not one of the Allowed Territories.","“Restricted Activities” has the meaning given in Section 13 (Restricted Activities and Consequences) of these Terms.","“Services” means the Metal Pay Service and any other products and services we provide to you.","“Valid Credit Card” means a credit card issued by an eligible bank or financial institution bearing the Visa Inc., MasterCard International Inc., or DFS Services, LLC logo.","“Valid Debit Card” means a debit card issued by an eligible bank or financial institution bearing the Visa Inc., MasterCard International Inc., or DFS Services, LLC logo.","“WebAuth Wallet” means the WebAuth digital wallet services for Digital Assets      offered by third parties, which service is governed by the XPR Terms and Conditions.","Metal Pay Services","The Metal Pay Service allows you to:","send, receive, or request money from friends and family;","make payments to friends, family, and merchants using your credit card, debit card,; and accept payments made by a credit card, debit card,and other payment methods from other friends or family.","Geographic Restrictions. The Metal Pay Services are not intended for use in the Prohibited Territories.  This means that to use the Metal Pay Services, you must reside in one of the Allowed Territories and use the Metal Pay Services only while located in one of the Allowed Territories.","Personal Use Only. The Metal Pay Services are only intended for use with friends and family or to purchase goods or services from merchants for personal use. You are not allowed to create a Metal Pay Service Account if you are a business, and you cannot use your Metal Pay Service Account for business activities, including without limitation, retail transactions to sell goods or services. You may not use your Metal Pay Service Account on behalf of legal entities.","Suspension of Services. We may suspend or terminate your Account or your access to the Services indefinitely, for any fraudulent, abusive, or suspicious behavior or transaction.","One Account Per Person.  By registering for a Metal Pay Service Account, you can use the Metal Pay Service. Each person is allowed only one Metal Pay Service Account.","Custody, Control and Access to Financial Information.  We do not have or retain direct custody or control over funds or virtual currency in your Metal Pay Service Account, nor do we directly exchange or transmit funds or virtual currency or other Digital Assets to or from your Metal Pay Service Account. We do not directly hold, exchange, or transmit Digital Assets. All Digital Assets in your Metal Pay Service Account are held and exchanged and transferred to and from your Metal Pay Service Account and are under the custody of the Digital Asset Custodian. All services provided by the Digital Asset Custodian are subject to the applicable account agreement, their terms of service, privacy policies, and other applicable agreements and disclosures.  To provide the Metal Pay Services, you must give us access to your credit card and debit card transaction information, including, without limitation, the amounts of each transaction and the payee for each transaction, just as that information is available on your credit card or debit card statement.","Adding Money to Your Metal Pay Service Account. You may transfer money to your Metal Pay Service Account by requesting an Electronic Fund Transfer from your Linked Account.","Withdrawing Money from Your Metal Pay Service Account. This service is currently not available but is being planned in near future.","Sending Money or Digital Assets.","You can send money or Digital Assets to friends, family members, or merchants who are on the Metal Pay Service using the send money feature in your Metal Pay Service Account (sometimes called “personal payments” or “P2P Payments”). You may not use your Metal Pay Service Account if you are a legal entity or on behalf of a legal entity. You cannot use your Metal Pay Service Account for business activities, including without limitation, retail transactions to sell goods or services, but you may use your Metal Pay Service Account to buy goods or services for your personal use. Further, you are prohibited from using your Metal Pay Service Account for P2P Payments to pay persons who are unknown to you.  You can send money or Digital Assets to a friend or family member that has an account with us at the time you send them money or Digital Assets, using their email address or mobile number, in any currency that Metallicus supports, and you can choose which payment method you want to use.  Receiving money or Digital Assets from a friend or family member is described under Section 4(l) (Receiving Money or Digital Assets).  We may, at our discretion, impose limits on the amount of money or Digital Assets you can send, including, without limitation, money you send for purchases.  You can view your sending limit, if any, by logging into your Metal Pay Service Account. When you send money or Digital Assets to a friend, family member, or merchant, the payment is automatically credited to the recipient’s account.","As a party initiating a transfer (“Sender”), you will send funds to your selected recipient (“Recipient”) by designating the Recipient and the transfer amount to us (a “Payment Instruction”). Your Payment Instruction authorizes us to move funds from your Linked Account to your designated Recipient. By submitting a Payment Instruction, you are also authorizing us to move funds to your Linked Account for P2P Payments that are canceled or otherwise returned.","We have no liability to you or anyone claiming on your behalf if we are unable to complete any transaction because of: (a) insufficient funds in your Linked Account; (b) malfunction of the Metal Pay Service due to circumstances beyond our control or due to circumstances that you were already aware of at the time you initiated your Payment Instruction; (c) inaccurate or insufficient Payment Instructions; or (d) failure of the Recipient to claim the P2P Payment.","Additional identification information will be required to send any one cash fiat transaction or in multiple cash fiat transactions over any 7-day period or to receive more than $1,000 in any 30-day period. Senders may not send more than $3,000 in any one transaction or in multiple transactions over any 7-day period, subject to some restrictions set forth in the Metal Pay Account limits guide. We may adjust these limits at any time at our discretion.","A service fee may be charged for sending funds via an Eligible Bank Account, Credit or Debit Card using the Metal Pay Service. The fee for P2P Payments will be displayed at the time of the transaction. We reserve the right to charge for or change the fees associated with use of the send money feature of the Metal Pay Service at any time. These fees may change from time to time, and most changes to these fees will be deemed effective at the time and date of posting. If these fees ever increase, we will provide advance notice to you. The fees applicable to sending money or Digital Assets will be disclosed to you in advance each time you initiate a transaction to send money or Digital Assets using the Metal Pay Service.  If you convert money or Digital Assets in your Metal Pay Service Account from one currency or type of Digital Asset to another before sending money or Digital Assets, you will also pay a currency or Digital Asset conversion fee for that conversion that we will calculate and apply using the most current market rate.  If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer. Metallicus is not liable or responsible for damages of any kind resulting from an intended recipient’s decision not to accept a payment made or attempted to be made from a Metal Pay Service Account.","Fee by Payment method: Not applicable","Payment Cancellation, Stop Payment Requests, and Refused Payments.  Our ability to stop a P2P Payment Instruction or recover funds associated with an unauthorized Payment Instruction will depend on how the Payment Instruction was initiated, and whether the Payment Instruction has begun processing. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Bank Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law.  We assume no responsibility or liability, however, for any losses or damages if we are unable to reverse, adjust, reclaim or otherwise remediate any such P2P Payment.","Digital Assets Tiered Accounts and Transaction Limits. There may be transaction limits depending on the type of Account you have.  Such limits for the Metal Pay Service are set forth on the Metal Pay Service Account limits guide. The Metal Pay Service also offers a fee reduction for buying and selling Digital Assets in proportion to their in-App MTL token balance.  Please refer to the Metal Pay Service fee discounts guide for all tiers and discount amounts.","Receiving Money or Digital Assets.  If a friend or family member sends money or Digital Assets to you, the money or Digital Assets will appear in your Metal Pay Service Account.  If someone you do not recognize sends you money or Digital Assets, please contact us at help@metalpay.com.  Except as may be otherwise provided by law, there is no pre-set limit on the amount you can receive in your Metal Pay Service Account.","Payment review.  If Metallicus identifies a potentially high-risk transaction, we may review the transaction more closely before allowing it to proceed. When this happens, Metallicus will place a hold on the transaction and notify the seller to delay shipping of the item. As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the seller and direct them to ship the item. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action.  We assume no responsibility or liability for any losses or damages that result from our holding or canceling any transactions, which we may do in our sole and absolute discretion.","Invalid P2P Payments.  If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you authorize us to move funds from the applicable Linked Account in an amount equal to the P2P Payment.  We will not be liable in any way for any P2P Payments that you may receive, regardless of whether you authorized the Sender to send the funds.","Risk of Fraudulent Transactions.  The Metal Pay Service is a money transmission service.   It is your responsibility to assure that funds you send to anyone else are sent to persons you know and whose integrity you trust.  Funds that you send through the Metal Pay Service that are lost in a fraudulent transaction may not be recoverable and may result in your loss of funds with no recourse.  Metal Pay disclaims any responsibility or liability for the proper execution of any Payment Instruction that you give us, including if someone tricks you to send an instruction and you follow the instruction, even if the payment results in a loss to you.","Metal Pay Account Balance.","Functionality. Your balance consists of the funds you have in your Metal Pay Service Account that are available for new transactions and are not subject to pending transactions (your “Metal Pay Service Account Balance”). You are solely responsible for ensuring that your Metal Pay Service Account contains sufficient funds necessary to complete any payments you initiate through the Metal Pay Service and, subject to subsection v. below, we have no obligation to initiate or complete any payments you request if there are not sufficient funds in your Metal Pay Service Account or otherwise available to complete the transaction. You agree to reimburse Metallicus for any fees, costs, or expenses we incur because of insufficient or unavailable funds in your Metal Pay Account in connection with any payment you initiate through the Metal Pay Service.","Authorization. By instructing us through the Metal Pay Service to add funds from a Linked Account to your Metal Pay Service Account Balance or make any other transfer, you authorize us to debit such Linked Account for the amount instructed, either in a single or recurring transaction, as applicable.","Limitations. Metallicus may impose limits on the amount you can keep in your Metal Pay Service Account Balance and reserves the right to change these limits at any time.","Funding Your Metal Pay Service Account Balance.  Funding Sources from Linked Accounts include:","Debit. You may link a debit account to fund your Metal Pay Service Account Balance. To do so, you must have a Valid Debit Card.","Credit. You may link a debit account to fund your Metal Pay Service Account Balance. To do so, you must have a Valid Debit Card.","P2P Payments Received Through the Metal Pay Service. You can keep funds received from P2P Payments made to you through the Metal Pay Service in your Metal Pay Service Account Balance.","When you initiate a payment through the Metal Pay Service, if your Metal Pay Service Account Balance is sufficient to satisfy the full payment amount, you can choose whether you want the payment fulfilled by your Metal Pay Service Account Balance or a Linked Account. If you do not have sufficient funds in your Metal Pay Service Account Balance to cover the full transaction you may choose the funding source from one or more of your Linked Accounts.","Transferring Funds from Your Bank Account Using the Deposit Function.","Limitations. Metallicus may limit how many transfers you can initiate from your Metal Pay Service Account to your Eligible Credit Account and the amount of funds you can transfer in a single transaction. We reserve the right to delay or further limit such transfers while we screen for risk, or we may request you provide additional information to verify your identity, and we assume no responsibility or liability for any such delays or limitations. You may not transfer funds from your Metal Pay Service Account Balance to your Eligible Credit Account or Eligible Bank Account to evade a payment investigation. If you attempt to transfer your Metal Pay Service Account Balance while we are investigating, we may hold your funds at our discretion to protect Metallicus or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties, and other liability. We also may defer or redirect payout or restrict access to your funds as necessary to comply with applicable law, subpoena, or court order, or if requested by any governmental entity. You will remain liable for all obligations related to your Account even after the Account is closed.","Treatment of Funds.  Funds in your Metal Pay Service Account Balance will be segregated from Metallicus’ corporate funds.  Metallicus will not use your funds for any corporate purposes, nor will your funds be available to Metallicus’ creditors.","Electronic Fund Transfers.  The following disclosures explain our policies and requirements for electronic payments, deposits, transfers of funds and other electronic transfers to and from your Account(s). There may be limitations on account activity that restrict your ability to make Electronic Fund Transfers. Any such limits are disclosed in the appropriate agreements governing your Account. You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly.  In addition to the foregoing, all electronic fund transfers are governed by, and subject to, the rules and regulations of NACHA.","Unauthorized Transfers. Tell us at once if you believe your Account or PIN or other access information is lost or stolen, or if an Electronic Fund Transfer has been made without your permission or consent.  To tell us, message us immediately at help@metalpay.com to keep your possible losses to a minimum. You could lose all the money in your Account(s). If you tell us within 2 Business Days after learning of the loss or theft of your Account, PIN, or other access information, or after learning of any other unauthorized transfers from your Account, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. If you DO NOT tell us within 2 Business Days after learning of the loss, theft, or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500.  Also, if your periodic Account Statement shows unauthorized transfers and you DO NOT tell us within 60 days after the statement was delivered to you, you may not get back any money you lose after the 60-day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected loss or theft of your Account, PIN, or other access information or of any other suspected unauthorized transfer(s), the time periods specified in this Section 5 (a) (Unauthorized Transfers) may be extended for a reasonable period at our discretion.","Periodic Statements.  Your periodic Account Statements will contain information on your Electronic Fund Transfers for the relevant period.  These statements are provided to you without charge and are available for you to view in your Metal Pay Service Account.","Preauthorized Electronic Fund Transfers.  You must authorize a Preauthorized Electronic Fund Transfer to or from your Metal Pay Service Account. See How do I turn on/off Recurring Buys? for further details. A record of your transfer authorization can be found in your Metal Pay Service Account.  If you choose to authorize Pre Authorized Fund Transfers to your Metal Pay Service Account, we will provide you with confirmation via email only when the transfer is set up and when the trade is completed or fails. If we receive funds into your Metal Pay Service Account from another financial institution that has initiated a Preauthorized Electronic Fund Transfer, we will credit the amount of the transfer as of the date the transfer funds are received.","Stop Payments.  You may stop payment of a Preauthorized Electronic Fund Transfer from your Metal Pay Service Account by notifying us at help@metalpay.com at least 3 Business Days before the scheduled date of the transfer.  We may require you, in our discretion, to give us written confirmation of a stop payment order within 14 days of a written notification, by contacting us at help@metalpay.com.  If you do not provide us with written confirmation within 14 Business Days, your stop payment order will no longer be binding on us, and we will incur no liability if we honor the transfer request that is the subject of the stop payment order.","Our Liability for Certain Electronic Fund Transfer Errors. If we do not complete a transfer to or from your Metal Pay Service Account on time or in the correct amount according to these Terms, we will be liable for your losses or damages (subject to Section 1 (Limitation of Liability) above). However, we will not be liable: (a) if, through no fault of ours, you do not have enough money in your Metal Pay Service Account to make the transfer; (b) if circumstances beyond our control (such as fire or flood, or hardware or software failures not caused by us) prevent the transfer, despite reasonable precautions that we have taken; or (c) as otherwise stated in these Terms.","Fees for Services.  The Metal Pay Services may be offered without charge, or may be offered on a fee for services basis, including without limitation, ACH transaction and other Electronic Fund Transfer fees on deposits and withdrawals of funds.  We will provide reasonable notice of any fees and will give you the opportunity to close your Metal Pay Service Account before such fees or changes to fees become effective. Your continued use of the Metal Pay Services after any fee change(s) comes into effect constitutes your agreement to pay the fees. Except as required by law, fees are non-refundable.","Disclosure of Personally Identifiable Information. In certain instances, we may disclose your personally identifiable information or information about your Account, including without limitation, financial information, to third parties. Such disclosure may be in response to a request from federal, state, or local law enforcement authorities or governmental regulatory agencies, to third parties that assist us with administrative activities associated with your Account, or when we conduct internal investigations that may include your Account.  Please refer to our Privacy Policy at https://www.metalpay.com/privacy-policy.html for a fuller description of circumstances under which we may disclose your personal or Account information to others.","Accounts.","Registration.  Use of any of our Services requires you to create an Account. Your Account Information must be true, complete, and accurate, as prompted by the registration form. In addition, you agree to update your Account as necessary to keep it current, true, complete, and accurate. To register, open and use an Account, Metallicus may require that you submit certain Account Information.","Account Information.  You represent and warrant that (i) you own the email or mobile phone number you register with; and (ii) all information entered or collected in the course of creating your Account, and any information you subsequently add or update from your settings, including without limitation, bank account information, your first name, last name, email address, phone number, street address, state of residence, social security number, or government ID (“Account Information”), is true and accurate.","Authentication.  The first time you access your Account using a new device we may require you to authenticate your Account through two-factor authentication or similar means, or by requesting additional information. If your Account cannot be verified, you may be required to set up a new Account. You acknowledge and agree that your provision of your mobile telephone number creating or updating your Account Information constitutes acceptance to receive text messages for purposes of two-factor authentication.","Validation.  You hereby authorize Metallicus, directly or through third parties, to make any inquiries we consider necessary to validate your identity or authenticate your identity and Account Information. This may include asking you for further information or documentation about your Account usage or identity, requiring you to provide your date of birth, and other information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources. We may also ask to see your driver’s license or other identifying documents at any time. If you use certain features of the Services, federal or state laws or regulations require that Metallicus verify some of your information. Metallicus reserves the right to close, suspend, or limit access to your Accounts with us and/or the Services in the event we are unable to obtain or verify this information.  We may terminate your Account immediately if you provide, or we suspect you provided, inaccurate or false information or you refuse to provide information about your identity.","By validating your identity with our 3rd party provider you consent to Incode’s capture, collection, enrollment, use, retention, processing, and disclosure of a scan of my face geometry (i.e. faceprint) and information derived from scanning the barcode of your identification card for the purpose of verifying my identity pursuant to Incode's Privacy Policy [Privacy Policy | Incode ]. Incode shall store the data until the earlier of:  3 years for the state of IL, 1 year for the state of TX or when no longer needed for identity verification. I have read and agreed to Incode's Privacy Policy [Privacy Policy | Incode ].","Account Security. You are responsible for maintaining adequate security and control of all IDs, passwords, personal identification numbers, devices used by you for purposes of two-factor authentication, or any other codes that you use to access your Accounts, and you are solely responsible for the activities of anyone accessing any of your Accounts using your password, even if you did not authorize the activities. In addition, if you know or suspect your password has been compromised, you must promptly change your password. You may not use the password or ID of any other person to access any Service without that person’s express permission.","Required Notification for Unauthorized Use. If you know or suspect there has been an unauthorized use of or compromise of your Account or password, you must notify us immediately. Even if you give us notice, you could be held liable for losses incurred by us or somebody else due to another person using your Account or password. You can contact us at help@metalpay.com.","Number of Accounts. You are only allowed to have one Account in your own right and capacity for each Service.","Aliases.  You may select a personalized unique alpha-numeric name to identify yourself on the Metal Pay Service (a “Cash handle” or “Alias”). You must accurately and truthfully represent your business or personal identity that you may share with others to use the Metal Pay Service. You may not select an Alias that misleads or deceives others as to your identity or creates an undue risk of chargebacks or mistaken payments. We may require you to change your Cash handle, Alias, or details of your Account information in our sole discretion, and we may reclaim or make unavailable certain Cash handles or Aliases without liability to you.","Closing Your Metal Pay Service Account.","How You Can Close Your Metal Pay Service Account. You may close your Metal Pay Service Account by discontinuing use of the Metal Pay Service and contacting help@metalpay.com to close your Metal Pay Service Account.","How We Can Close Your Account. We may close your Account or indefinitely ban you from accessing the Services at any time, with or without notice for any reason, in compliance with applicable law.  All determinations of termination for cause will be made in our sole discretion and we will not be liable to you or any third-party for suspension or deletion of Account or your inability to access the Services. Termination of your Account for cause may include, without limitation, the following:","Breaches or violations of these Terms or any of our policies, including engaging in any Restricted Activities;","Requests by law enforcement or other government agencies;","Unexpected technical or security issues or problems; or","You do not perform a transaction in your Account for 2 years or more.","When You Are Not Allowed to Close Your Account. In certain cases, you may not close your Account, including without limitation:","To evade an investigation by us or any governmental authority;","If you have a pending transaction or an open dispute or claim; or","If your Account is subject to a hold, limitation, or reserve.","What Happens When Your Metal Pay Service Account Is Closed. When you close your Metal Pay Service Account, we will cancel any scheduled or incomplete transactions. You must withdraw any balance from your Metal Pay Service Account prior to closing it.  You will remain liable for all obligations related to your Metal Pay Service Account even after the Account is closed. If we close your Metal Pay Service Account or terminate your use of any of the Metal Pay Service for any reason, we will provide you with reasonable notice of our actions and subject to our rights under these Terms, make any unrestricted funds held in your Metal Pay Service Account available for withdrawal or return those funds to your Linked Account. In some cases, we may be required by law, court order, subpoena or other legal process or action to hold the funds or disperse them in another manner. If your Metal Pay Service Account is terminated for any reason, any transaction credit accumulated for you will be canceled.","Dormant Accounts. If you do not perform a transaction in your Account for 18 months, unless otherwise stipulated by state law, Metallicus reserves the right to charge monthly dormancy fees to cover the costs of safe custody of assets, to the extent permitted by applicable law. If you do not perform a transaction in your Accounts with us for 2 or more years, Metallicus may close your Account and send the balance to your bank account, primary address or, if required by applicable law, escheat (send) your balance to the state unclaimed property administrator of your state of residency.","Account Statements and Account Records. You may view your transaction history within the App by logging into your Account.  We also offer an annual tax statement that you may receive by requesting a copy from our client services team.","Taxes and Information Reporting.","We do not charge or collect for any taxes, levies, duties, or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “Taxes”).  It is your responsibility to determine what, if any, Taxes apply to the payments you make or receive, to your Digital Assets trades, or to your transactions on the Metal Pay Service. It is solely your responsibility to assess, collect, report, and remit the correct Taxes to the appropriate authority. You agree that Metallicus is not responsible for determining whether any Taxes apply to your transactions, or for calculating, collecting, reporting, or remitting any Taxes on your behalf or for any transaction.","You will indemnify the Metallicus Parties and hold them harmless for all actions, suits, proceedings, claims, demands, judgements, costs, and expenses (including without limitation attorney’s fees), losses and damages, in each case regarding Taxes (including, without limitation, any interest and penalties), resulting directly or indirectly from any of your transactions through the Services.  We may at our sole discretion, withhold from all amounts otherwise payable to you by us such federal, state, local and non-U.S. Taxes as may be required to be withheld pursuant to the applicable laws or regulations of any relevant jurisdiction and we may file reports with relevant tax authorities. You will promptly provide to us upon request all information regarding Taxes, including without limitation, an applicable IRS Form W-8 or W-9, as we determine in our sole discretion are necessary for us to determine our tax reporting and withholding obligations. We have the right to disclose any such information provided by you to us to a Tax authority or other regulatory authority, governmental authority, or judicial body, that has a reasonable claim of jurisdiction. If we fail to withhold any Taxes required to be so withheld by applicable law or regulation, you will indemnify us and all our affiliates for any amount paid on your behalf with respect to such Taxes (including, with limitation, any amounts related to interest, penalties, and other expenses such as attorney’s fees).","Payment Review. Metallicus reviews certain potentially high-risk, suspicious, or potentially fraudulent transactions.  If Metallicus determines, in its sole discretion, that a transaction is high-risk, suspicious, or potentially fraudulent, we may place a hold on the payment and provide notice to you.  Metallicus will conduct a review and either clear or cancel the payment. If the payment is cleared, Metallicus will provide notice to you through the applicable App. Otherwise, Metallicus will cancel the payment and the funds will be returned, unless we are legally required to take other action.","Reviews may result in:","Delayed, blocked, or canceled transfers;","Funds being held by Metallicus;","Account suspension or termination;","Funds being seized to comply with a court order, warrant or other legal process;","Funds you previously received being reversed (i.e., sent back to the sender’s Metal Pay Service Account or to the bank account that was used to fund the payment); and/or","Our making reports to federal, state, or local governmental or law enforcement agencies of information discovered during our reviews.","We may take one or more of these actions if you knowingly or unknowingly received a payment that was made from a compromised bank account, or compromised Metallicus Pay Service Account, whether your Metal Pay Service Account or another user’s Account, or for any other reasons authorized by law. In connection with our review process, we may ask for Identity Verification.  We may limit your Metal Pay Service Account and your access to funds in it until Identity Verification is completed.  We will not be responsible or liable for any losses incurred by you that may result from any payment reviews or actions that we may take because of a payment review.","Third-Party Payment Terms.  By using any of the Services and agreeing to these Terms, you also agree to be bound by any third-party payment terms, and you consent and authorize us and any third-party payment provider to share any information and payment instructions you provide with third-party service provider(s) to the extent required to complete your transactions. You are responsible for all transactions (one-time, recurring, and refunds) processed through any third-party payment provider. Metallicus will not be responsible or liable in any manner for loss or damage from errant or invalid transactions processed by any third-party payment provider. This includes transactions that were not processed due to a network communication error, or any other reason. If you enter into a transaction, it is your responsibility to verify that the transaction was successfully processed. Metallicus is not liable for any adverse effects that any actions (whether intentional or unintentional) on the part of any third-party payment provider may cause to you, your Account, or your business.","Restricted Activities and Consequences.","Restricted Activities. In connection with your use of our Services, or during your interactions with us, other customers of ours, or third parties, you will not engage in any of the following “Restricted Activities”.","Breach these Terms, including, without limitation, our Acceptable Use Policy and any other agreement between you and Metallicus, or violate any Metallicus policy.","Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination, or false advertising).","Infringe Metallicus’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.","Act in a manner that is defamatory, trade libelous, threatening, or harassing.","Provide false, inaccurate, or misleading information.","Send or receive what we reasonably believe to be potentially fraudulent funds.","Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us.","Attempt to benefit from a dispute by receiving or attempting to receive funds from both Metallicus and a financial institution for the same transaction.","Control an account that is linked to another account that has engaged in any of these Restricted Activities.","Use the Service in any of the following ways:","in a manner that results in or may result in fees, fines, penalties or other liability or losses to us, our other customers, third parties or you;","use any Account or the Services in a manner that Metallicus, NACHA, the debit and credit card networks or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules;","allow your Metal Pay Service Account to have a negative balance.","access the Service from, or transfer funds to or from, any Prohibited Territories;","take any action that imposes an unreasonable or disproportionately large load on our infrastructure; facilitate any viruses, trojan horses, malware, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with our Services;","take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers;","circumvent any Metallicus policy or determinations about your Account such as temporary or indefinite suspensions or other Account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create a new or additional Account when an Account has a negative balance or has been restricted, suspended or otherwise limited; creating new or additional Accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s Account with us;","harass and/or threaten our employees, agents, or other users;","create multiple Accounts;","send money without sufficient funding in a Metal Pay Service Account;","in a manner that is not for its intended purpose;","in any way that triggers an investigation or inquiry by a governmental or regulatory agency or authority; or","with the intent or effect of engaging in deceptive or manipulative conduct, including manipulating one or more financial markets.","Actions We May Take if You Engage in Any Restricted Activities. If we believe that you have engaged in any of the Restricted Activities, we may take several actions to protect Metallicus, its users, and others at any time at our sole discretion.  The actions we may take, and your liability may include, but are not limited to, the following:","terminate these Terms and/or close or suspend any Account with us, immediately and without any penalty to us, and we may refuse to provide the Service to you in the future;","limit your access to our websites, your Account or the Services, including limiting your ability to pay or send money with any of the payment methods linked to your Metal Pay Service Account or restricting your ability to send money or make withdrawals;","hold your balance for up to 180 days, or longer as required by applicable laws and regulations, if reasonably needed to protect against the risk of liability or if you have engaged in Restricted Activities or violated our Acceptable Use Policy;","update inaccurate information you provided us;","take legal action against you pursuant to these Terms;","If you have engaged in Restricted Activities or violated our Acceptable Use Policy, then you are also responsible for damages to Metallicus or any third party caused by your actions; and","report the Restricted Activities to federal, state, or local governmental or law enforcement agencies.","We may invalidate or reverse payments if, among other reasons, we sent the payment to you in error, the funding transaction was declined or reversed, the payment was unauthorized or unfunded, or if the payment was for activities that violated these Terms or any other agreement with us. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties, and other liabilities incurred by Metallicus, any Metallicus user, or a third party caused by or arising out of your breach of these Terms, and/or your use of the Service. You will reimburse Metallicus, any Metallicus user, or a third party for all such losses, claims or other liabilities.","Holds and Limitations.","Holds Based on Metallicus’s Risk Decisions. We may place a hold on payments sent to your Metal Pay Service Account with or without notice to you, if, in our sole discretion, we believe that (i) there may be a high level of risk associated with you, your Metal Pay Service Account, or your transactions; (ii) placing such a hold is necessary to comply with state or federal regulatory requirements; or (iii) for purposes of us conducting or assisting in an investigation.  We make decisions about whether to place a payment hold based on several factors, including, without limitation, information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your Metal Pay Service Account with an indication that they are unavailable or pending.  Risk-based holds generally remain in place for up to 48 hours from the date the payment was received into your Metal Pay Service Account.  Depending on the facts and circumstances, we may release the hold earlier or later under certain circumstances, in each case at our sole discretion.","Limitations. We may impose limitations that prevent you from completing certain actions with your Metal Pay Service Account, such as withdrawing, sending, or receiving money.  These limitations are implemented to help protect Metallicus, buyers, and sellers when we notice Restricted Activities or activity that appears to us as unusual or suspicious.  These limitations also help us collect information necessary for keeping your Metal Pay Service Account with us open.  There are several reasons why your Metal Pay Service Account could be limited, including, without limitation:","we suspect someone could be using your Metal Pay Service Account without your knowledge, in which case we will limit it for your protection and investigate the fraudulent activity;","to comply with regulatory requirements, for example, those designed to prevent money laundering and other financial crimes;","due to policies we have in place to ensure we follow applicable law;","if we reasonably believe you have engaged in Restricted Activities or violated our Acceptable Use Policy.","Removing Limitations. To remove the limitation and restore your Metal Pay Service Account, you will need to resolve any issues with the Metal Pay Service Account, often by providing information to us, although there may be certain situations where there is no specific action that you can take to help remove the limitation (for example, the limitation is put in place due to policies we have to ensure that we follow applicable law). If you find that your Metal Pay Service Account has been limited, you should either review the Electronic Communication you receive from us informing you that your Metal Pay Service Account is limited or log in to your Metal Pay Service Account for additional details about the limitation on your Account. You can also contact us at help@metalpay.com to discuss any limitations on your Account.","Court Orders, Regulatory Requirements, or Other Legal Process. If we are notified of a court order or other legal process (including, without limitation, garnishment or any equivalent process) affecting you, or if we otherwise believe we are required to do so to comply with applicable law or regulatory requirements, we may be required to take certain actions, including, without limitation, holding payments to/from your Metal Pay Service Account with us, placing a limitation on your Metal Pay Service Account, or releasing your funds.  We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement, or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to determine the validity of or otherwise contest or appeal any court order or legal process involving you or your Metal Pay Service Account. When we implement a hold or limitation because of a court order, applicable law, regulatory requirement or other legal process, the hold or limitation may remain in place longer than 180 days.","Unauthorized Transactions. To protect yourself from unauthorized activity in your Account, you should regularly log into your Account and review your Account Statement.  Metallicus will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed.","What is an Unauthorized Transaction.  An “Unauthorized Transaction” occurs when money or Digital Assets are sent from your Metal Pay Service Account that you did not authorize and that did not benefit you.  For example, if someone steals your password, uses the password to access your Metal Pay Service Account, and sends a payment from your Metal Pay Service Account, an Unauthorized Transaction has occurred.","What is Not Considered an Unauthorized Transaction.  The following are NOT considered Unauthorized Transactions:","If you give someone access to your Metal Pay Service Account with us (by giving them your login information) and they use your Metal Pay Service Account without your knowledge or permission.  You are responsible for transactions made in this situation.","Invalidation and reversal of a payment because of a refund, reversal, chargeback, or error resolution.","Reporting an Unauthorized Transaction.  Tell us IMMEDIATELY if you believe your login information has been lost or stolen, or if you believe that an Electronic Fund Transfer has been made without your permission using your login information. You could lose all the money in your Metal Pay Service Account. If you believe your login information has been lost or stolen, immediately contact us at: help@metalpay.com if related to a Metal Pay Service Account. Please let us know if you believe there is an Unauthorized Transaction on your Metal Pay Service Account. Subject to and your compliance with these Terms, we will protect you from Unauthorized Transactions in your Metal Pay Service Account. When this protection applies, we will cover you for the full amount of the Unauthorized Transaction, so long as we were able to complete the Error resolution procedures in Section 16.d (Error Resolution) below.","Error Resolution.","What is an Error?  An “Error” means the following:","when we incorrectly take or place money or Digital Assets from or in your Metal Pay Service Account;","you send a payment and we debit the incorrect amount from your Metal Pay Service Account;","you withdraw Digital Asset keys from your Account and we incorrectly document the transaction in your Metal Pay Service Account;","we credit an incorrect amount to your Metal Pay Service Account;","we incorrectly calculate Transaction Credits in your Metal Pay Service Account;","A transaction is missing from, or we do not properly identify it in your Account Statement;","We make a computational or mathematical error related to your Metal Pay Service Account; or","You request documentation that is required regarding a Preauthorized Electronic Fund Transfer or periodic statement, or for additional information or clarification concerning an Electronic Fund Transfer, including a request you make to determine whether an error exists.","In Case of Errors or Questions About Your Electronic Fund Transfers","contact us at: help@metalpay.com to notify us of any Errors in your Metal Pay Service Account or for questions relating to your Metal Pay Service Account.","Notify us as soon as you can if you think your Account Statement or receipt is wrong or if you need more information about a transfer listed on the Account Statement or receipt. We must hear from you no later than 60 days after we sent the FIRST Account Statement or receipt on which the problem or error appeared.","Tell us your name and Metal Pay Service Account number.","Describe the Error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.","Tell us the dollar amount or Digital Asset amount of the suspected error. We may require that you send us your complaint or question in writing within 10 Business Days. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of an Error, the time periods for notification may be extended for a reasonable period.","We will investigate promptly and, except as otherwise provided in this paragraph, will determine whether an Error occurred within 10 Business Days of receiving a notice of Error. We will report the results to you in writing within 3 Business Days after completing our investigation. We will correct the Error within 1 Business Day after determining that an Error occurred.","If we are unable to complete our investigation within 10 Business Days, we may take up to 45 days from receipt of a notice of Error to investigate and determine whether an Error occurred, if we do the following:","provisionally credit your Metal Pay Service Account in the amount of the alleged Error (including without limitation interest where applicable) within 10 Business Days of receiving the Error notice. We do not need to provisionally credit your Metal Pay Service Account if we do not receive written confirmation within 10 Business Days;","inform you within 2 Business Days after the provisional crediting, of the amount and date of the provisional crediting and give you full use of the funds during the investigation;","correct the Error, if any, within 1 Business Day after determining that an Error occurred; and","reports the results to you within 3 Business Days after completing our investigation (including, if applicable, notice that a provisional credit has been made final).","Extension of time periods. The time periods described above may be extended as follows:","Extension of 10-Day Time Period. The time limit for resolution is extended to 20 Business Days in place of 10 Business Days if the notice of Error involves an Electronic Fund Transfer to or from the Metal Pay Service Account within 30 days after the first remittance to the Metal Pay Service Account was made; or","Extension of 45-Day Time Period. The time limit for resolution is extended to 90 days in place of 45 days for completing a more extended investigation, if a notice of Error involves an Electronic Fund Transfer that occurred within 30 days after the first remittance to the Metal Pay Service Account was made.","For Errors involving new Metal Pay Service Accounts, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Metal Pay Service Accounts, we may take up to 20 Business Days to credit your Metal Pay Service Account for the amount you think is in Error.","If we decide that there was no Error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.","Processing Errors.","We will rectify any processing Error that we discover.  If the Error results in:","Your receiving less than the correct amount to which you were entitled, then we will credit your Metal Pay Service Account for the difference between what you should have received and what you actually received;","Your receiving more than the correct amount to which you were entitled, then we will debit your Metal Pay Service Account for the difference between what you received and what you should have received.","We will not rectify Errors if:","Through no fault of ours, you did not have enough available funds or Digital Assets to complete the transaction;","Our system was not working properly, and you knew about the malfunction when you started the transaction; or","The Error was due to extraordinary circumstances outside our control (such as fire, flood, or loss of Internet connection), despite our reasonable precautions.","Processing Errors are not:","Delays that result from Metallicus applying holds or limitations;","Delays based on a payment review; or","Your errors in making a transaction (for example, mistyping an amount of money that you are sending).","Communications Between You and Us.  We may communicate with you about your Account and the Services as described in Section 18 (Electronic Communications) below.  You will be considered to have received a communication from us, if it is delivered electronically, 24 hours after the time we post it to our website or email it to you.","Text Messages.  By providing us with a mobile number, you authorize and submit signed consent to receiving recurring telemarketing, informational, or transactional text (SMS) messages or calls from us or our affiliates using an automatic telephone dialing system to the telephone number associated with your Account or any future telephone number provided by you to us. Consent is not a condition of purchasing property, goods or services from us or our affiliates. If you provide us with the mobile number of any other person or entity when initiating or requesting a payment through the Service, you represent and warrant to us that the person or entity has consented to receive text messages from us related to your Account and that such text messages are sent on behalf of you by us. Standard text messaging rates may apply based on your plan with your mobile carrier.","Phone Calls. If you provide us your mobile phone number, you agree that, in addition to the purposes identified in Section 17(a) (above), we may contact you at that number to: (i) service your Account with us, (ii) investigate or prevent fraud, or (iii) collect fees due or claw back funds fraudulently obtained hereunder.","Sharing. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above. Subject to Section 7 (Disclosure of Personally Identifiable Information), we will not share your mobile phone number with third parties for their own purposes without your consent.  You can review your Account and privacy setting in your Account settings at www.metalpay.com.","Monitoring and Recording. To the extent permitted by law, Metallicus may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with Metallicus or its agents for quality control and training purposes or for our own protection. While your communications with Metallicus may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by Metallicus, and Metallicus does not guarantee that recordings of any telephone calls will be retained or retrievable.","Electronic Communications.  By agreeing to these terms and opening an Account, you represent that you can receive and retain, and consent to receive, electronically all Electronic Communications that we provide in connection with your Accounts with us and your use of our Services as further described in Appendix 1.","Metallicus Acceptable Use Policy.  You are independently responsible for complying with all applicable laws in all your actions related to your use of the Services, regardless of the purpose of the use. You may not use the Services for activities that:","violate any law, statute, ordinance or regulation;","are fraudulent;","relate to transactions involving (i) tobacco products, online pharmacies, narcotics, cannabis, steroids, certain controlled substances (including without limitation, cannabis or cannabis products), products that present a risk to consumer safety, (ii) drug paraphernalia, (iii) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (iv) stolen goods including without limitation, digital and virtual goods, (v) the promotion of hate, violence, racial intolerance or the financial exploitation of a crime, (vi) items that infringe or violate any copyright, patent, trademark, trade secret, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, including without limitation, transactions that involve counterfeit goods, (vii) prostitution, (viii) ammunition, firearms, or certain firearm parts or accessories, or (ix) certain weapons or knives regulated under applicable law;","relate to transactions that (i) show the personal information of third parties in violation of applicable law, (ii) support pyramid or Ponzi schemes, matrix programs, other \"get rich quick\" schemes or certain multi-level marketing programs, (iii) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (iv) are for the sale of certain items before the seller has control or possession of the item, (v) are by payment processors to collect payments on behalf of merchants, (vi) are associated with the sale of traveler's checks or money orders, (vii) involve certain credit repair, debt settlement services, credit transactions or insurance activities, (viii) involve offering or receiving payments for the purpose of bribery or corruption, or (ix) involve outbound telemarketing;","involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent;","involve collecting donations as a non-verified 501(c)(3) charity or non-profit organization;","constitute or include acting as a money-transmitter;","constitute or include selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property, or providing escrow services;","constitute or include gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether legally defined as gambling) and sweepstakes; or","involve pornography, obscene material or otherwise objectionable content or activities; or are defamatory, libelous, unlawfully threatening or unlawfully harassing.","Term and Termination.","Term.  These Terms will continue until terminated. Metallicus, in its sole discretion, reserves the right to terminate these Terms, access to its website, App, or access to any aspect of the Services for any reason and at any time upon notice to you (except as otherwise provided in these Terms) and payment to you of any unrestricted funds held in your Metal Pay Service Account.","Termination.  You may terminate your use of the Services at any time and for any reason by deactivating your Account and discontinuing your use of all the Services, including but not limited to removing our Apps and other materials we provided to you from all your devices.  If your Account is terminated, we will make reasonable efforts to make any content you provided or information about your Account inaccessible to third parties not involved in the provision of our Services.  Any such content or information may be retained in caches or backups, and copies of or references may persist indefinitely due to the nature of the Service and the internet.  Notwithstanding termination of the Terms, all provisions that logically should survive termination for the protection of Metallicus’s rights and protection of your rights, including without limitation the Arbitration Agreement, will survive and will remain in full force and effect after termination, including, without limitation, sections pertaining to suspension or termination, Account cancellation, debts owed to Metallicus, general use of the Services, intellectual property rights, indemnity obligations, disputes with Metallicus, and general provisions.","Digital Asset Title; Setoff.","Title to the Digital Assets in your Account will remain with you and will not transfer to us. Such Digital Assets are not property of Metallicus, nor may they be loaned to Metallicus or sold, transferred or rehypothecated by Metallicus unless specifically instructed by you, or if such sale, transfer or rehypothecation is required by a valid court order, competent regulatory agency, government agency or applicable law. As owner of the Digital Assets in your Account, you will bear all risk of loss of such the Digital Assets. We have no liability for Digital Asset fluctuations or loss.  We may take or set off from any Digital Asset in your Account, or deduct from any obligations Metallicus may have to you, any fees or other obligations that you owe Metallicus or its affiliates.  These rights are in addition to other rights we may have to take, transfer, or charge from any assets or balance in your Account for obligations you owe Metallicus or its affiliates pursuant to these Terms.","Many Digital Assets are deemed fungible and we may treat them as such in connection with your use of the Services, but in each case we will be acting as your agent with respect to Digital Assets to which you hold title as set forth in Section 21(a) above. In such capacity as your agent, we may store Digital Assets in your Account in a variety of different ways, including across multiple blockchain protocols. For example, we may transfer the Digital Assets off of the primary blockchain protocol and store the Digital Assets on shared blockchain addresses (controlled by us or our affiliates) on alternative blockchain protocols in forms compatible with such protocols. All forms of the same Digital Asset that are held and made available across multiple blockchain protocols may be treated as fungible and the equivalent of each other.  By using the Services, you understand and agree to appoint Metallicus as your agent for such purposes, without the need for any further notice to or consent from you.","No Overdraft Services; Set Off Rights. We do not offer overdraft services or privileges with your Accounts, and you are expected to manage your Account so as not incur any overdrafts or negative balances.  If your Account becomes negative for any reason, that negative balance represents an amount that you owe us. Metallicus may deduct these amounts from funds that are in your Account or added to your Accounts later, either by you or from payments you receive.  If you have more than one Account with us, we may set off a negative balance in one Account against a balance in your other Account. Note that per Section 4(e) of these Terms, you are only allowed one Account.  If a negative balance is offset by Metallicus pursuant to this paragraph, it may be combined with another debit coming out of your Account. In addition to the above, if you have a past due amount owed to us, or our affiliates, we may debit your Account to pay any amounts that are more than 180 days past due.","Enforcement Costs.  If you fail to comply with any of these Terms in any material respect or any proceeding by or against you is commenced under any provision of the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, a receiver is appointed for all or a substantial portion of your assets, or you make an assignment for the benefit of your creditors, we will be entitled to recover all reasonable costs or expenses (including without limitation, reasonable attorneys' fees and expenses) incurred in connection with the enforcement of these Terms to the extent permitted by law.","Assumption of Rights. If Metallicus invalidates and reverses a payment that you made to a recipient (either at your initiative or otherwise), Metallicus assumes your rights against the recipient and third parties related to the payment and may pursue those rights directly or on your behalf, in our discretion.","WebAuth Wallet.  Our Services may provide you access to the WebAuth Wallet.","Indemnification and Release.","Indemnification.  You will defend, indemnify and hold the Metallicus Parties harmless from any claim or demand (including without limitation, reasonable attorneys’ fees) made by any third party and any loss, expense, damage, tax, or cost incurred relating to or arising out of your breach or alleged breach of or noncompliance with these Terms, your access to or use of the Services, your violation of any law or the rights of a third party or the actions or inactions of any third party to whom you grant permissions to use your Accounts with us or access the Services on your behalf (including without limitation, negligent or wrongful conduct).","Release of Metallicus Parties. If you have a dispute with any other user of our Service, you release the Metallicus Parties from all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.","Disclaimer of Warranty. THE SERVICES ARE PROVIDED “AS-IS'' AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED, OR STATUTORY.  METALLICUS SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.  METALLICUS ALSO DOES NOT HAVE ANY CONTROL OVER THIRD PARTY DIGITAL ASSET PROVIDERS, OR TO THIRD PARTIES WHO ASSIST WITH IMPLEMENTING ANY OF THE SERVICES .  METALLICUS DOES NOT CONTROL, IS NOT RESPONSIBLE FOR AND MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO ANY USER OF OUR SERVICES OR THEIR CONDUCT. YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTION WITH OR RELIANCE ON ANY OTHER USER OF OUR SERVICE OR THEIR CONDUCT. YOU FURTHER UNDERSTAND THAT YOU MAY BE EXPOSED TO CONTENT FROM OTHERS THAT IS OFFENSIVE, INDECENT, OR OBJECTIONABLE. METALLICUS DOES NOT MAKE ANY REPRESENTATION OR WARRANTIES AS TO THE ACCURACY, CORRECTNESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY CONTENT APPEARING ON THE SERVICES. METAL DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED, OR SECURE ACCESS TO ANY PART OF THE SERVICE, AND OPERATION OF OUR WEBSITES OR APPS MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL.  METALLICUS WILL MAKE REASONABLE EFFORTS TO ENSURE THAT REQUESTS FOR ELECTRONIC DEBITS AND CREDITS INVOLVING ACCOUNTS ARE PROCESSED IN A TIMELY MANNER, BUT METALLICUS MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE AMOUNT OF TIME NEEDED TO COMPLETE PROCESSING BECAUSE THE SERVICES ARE DEPENDENT UPON MANY FACTORS OUTSIDE OF OUR CONTROL, SUCH AS DELAYS IN THE BANKING SYSTEM OR THE U.S. OR INTERNATIONAL MAIL SERVICE.  THIS DISCLAIMER APPLIES TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.","Intellectual Property. The Services, including without limitation, our Apps, all the software, software code comprising or used to operate all Accounts and all content, trademarks, copyrighted works, and other materials provided by Metallicus are owned by Metallicus and/or third-party licensors, and are protected by copyrights, trademarks, and other intellectual property rights.","License Grants, Generally.  Subject to the terms and conditions of these Terms, Metallicus grants you a revocable, non-exclusive, non-sublicensable, non-assignable, non-transferable, royalty-free limited license and right to access and use the Services in accordance with these Terms.  Any other use of the Services is strictly prohibited. Unless we give you permission in writing in advance, you will not reproduce, modify, rent, lease, loan, sell, distribute, mirror, frame, republish, download, transmit, create derivative works of or commercially exploit any materials that we provide or that are made available by third parties through the Service, in whole or in part, by any means. You will not alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile, or otherwise attempt to create any source code that is derived from the software that Metallicus provides to you.  You acknowledge that all rights, title, and interest to the Services are owned by Metallicus. You must not remove, alter, or obscure any copyright, patent, trademark or other proprietary or restrictive notice or legend contained or included in any part of the Services, and you will reproduce and copy all such notices and legends on all copies of any part of the Services that you can make under these Terms, if any. Any rights not expressly granted in these Terms are reserved.  Any third-party software application you use on the Metallicus websites or through the Service is subject to the license you agreed to with the third party that provides you with this software.  You acknowledge that Metallicus does not own, control nor have any responsibility or liability for any third-party software application you elect to use on the Metallicus websites and/or in connection with the Services.","License Grant from You to Metallicus; Intellectual Property Warranties. Metallicus does not claim ownership of the content that you provide, upload, submit or send to Metallicus.  Nor does Metallicus claim ownership of the content you host on third-party websites or applications that use Services to provide payments services related to your content.  When you provide content to Metallicus or post content using the Services, you grant Metallicus (and parties that we work with) a non-exclusive, irrevocable, royalty-free, fully assignable, perpetual, sublicensable, transferable, and worldwide license to use, copy, perform and display publicly, distribute, prepare derivative works, and otherwise exploit your content and associated intellectual property and publicity rights in whole or in part, in any form, format or medium.  Metallicus will not compensate you for any of your content. You represent and warrant that Metallicus’s use of your content will not infringe any intellectual property or publicity rights. Further, you represent and warrant that you own or otherwise control all the rights of the content you provide, and you will waive your moral rights and promise not to assert such rights against Metallicus. By posting content on our Services, you represent and warrant that the posting of your content does not violate these Terms or applicable laws. If you provide us any suggestions, input, comments, or feedback (“Feedback”) related to the Services, you agree that all Feedback is and will be given entirely voluntarily and that we are free to use, disclose, reproduce, license or otherwise distribute, and exploit the Feedback as we see fit, entirely without obligation or restriction of any kind on account of intellectual property rights or otherwise.","Use of Other Users’ Content. You may not use, copy, reproduce, distribute, publish, display, or perform, create derivative works of, transmit, sell, or in any way exploit any of the content posted by others except as expressly set forth in these Terms or allowed by law.","Assignment and Change of Control. You may not transfer or assign any rights or obligations you have under these Terms without Metallicus’s prior written consent.  Metallicus may transfer or assign these Terms or any right or obligation under these Terms at any time.  Any assignment in violation of these Terms is null and void. Without limiting the foregoing, if Metallicus is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.","Linked Sites. Metallicus may provide links to third-party websites or other resources (“Linked Sites”). Metallicus has no control over these Linked Sites and is not responsible for the operation of any Linked Site.  Metallicus offers these links as a convenience only, and the availability of any Linked Site is not an endorsement of the content, or any products or services available on these Linked Sites, or an endorsement of any Linked Site’s owners, or its providers. You acknowledge and agree that you access these Linked Sites at your own risk. Any interactions or business dealings with advertisers or third parties other than Metallicus found on or through our Service are solely between you and such advertiser or other third party. Without limiting any of the above, Metallicus will not be responsible or liable, directly, or indirectly, for any actual or alleged damage or loss caused by or in connection with use of or reliance on any such Linked Site.","Third Party Service Providers.  Our Apps work on applications linked to a particular device and operating system, such as Apple’s iOS operating system. Your use of the Services may be subject to separate agreements you may enter into with your mobile device operating system provider (e.g., Apple, Google, or Microsoft®), your mobile device manufacturer (e.g., Apple, Samsung®), your mobile service carrier (e.g., AT&T® or Verizon®), and other parties involved in providing your mobile device service, which we collectively refer to as “Third Party Service Providers.” You will comply with all applicable third-party terms of agreement when using the Services. We are not a party to those agreements, and we have no responsibility for the products and services provided by third parties. This agreement is between you and Metallicus, not with any Third-Party Service Providers. We are solely responsible for the Services and not for the services provided by any Third-Party Service Providers. Third Party Service Providers have no warranty obligations whatsoever with respect to the Services.","Computer Viruses. We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses or other malicious code that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from Metallicus. Always log into your Account(s) exclusively through the Metallicus App or our website to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.","Consumer Fraud Warning. We are always looking for ways to help keep you even more secure.  So, stay on the lookout for some of these common scams:","Spoofing: a scammer sends forged or faked electronic documents or emails falsely claiming to be Metallicus or coming from Metallicus but asks you to send money outside your Accounts with us.","Relative in Need: a scammer impersonates a family member (commonly grandchildren) and claims there is an emergency requiring you to send money.","Lottery or Prize: a scammer informs you that you’ve won a lottery or prize and must send money to claim it.","Debt Collection: a scammer impersonates a debt collector and induces you to send money using threats or intimidation.","Employment Related: a scammer instructs you to send money in connection with a fraudulent offer of employment.","Always use common sense when sending money or Digital Assets.  If something sounds too good to be true, it probably is. Only send money or Digital Assets for yourself and not for others.  Please let us know immediately if you believe someone is trying to scam or defraud you by contacting us at help@metalpay.com if pertaining to your Metal Pay Service Account.","Entire Agreement. These Terms and the Additional Agreements sets forth the entire understanding and agreement between us and supersede all prior understandings and agreements between you and Metallicus with respect to the subject matter hereof.","Force Majeure. We are not liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, significant market volatility, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, pandemic, epidemic, other catastrophe or any other occurrence which is beyond our reasonable control.","Non-Waiver of Rights. These Terms will not be construed to waive rights that cannot be waived under applicable state money transmission or other laws in the state where you are located.  No failure on the part of any party to exercise, and no delay in exercising, any right hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right hereunder, or the written waiver thereof, preclude any other exercise of the same right or of any other right hereunder.","Severability. Nothing contained in these Terms shall be construed to require the commission of any act contrary to law, and if any provision of these terms is for any reason be held invalid, illegal, or unenforceable the same will not affect the validity of these Terms or of any other provision hereof and these Terms will be interpreted and construed as if such provision, to the extent invalid, illegal, or unenforceable, had not been contained herein.","Respect for the Information of Others.  If you receive confidential and/or private information about another Metallicus customer through the Service, you must keep the information confidential and only use it in connection with the Service.  You may not disclose or distribute any information about Metallicus users to a third party or use the information for marketing purposes unless you receive that user’s express consent to do so. You may not send unsolicited emails to a Metallicus customer or use the Service to collect payments for sending, or assist in sending, unsolicited emails to third parties.","Disclosures Regarding Digital Assets.","Use, Transfer, and Exchange of Digital Assets.  The use, transfer and exchange of some Digital Assets may be subject to applicable federal and state laws, including without limitation, rules and regulations promulgated by various regulatory agencies, such as the Securities and Exchange Commission, Financial Crimes Enforcement Network (FinCEN), Commodity Futures Trading Commission, Internal Revenue Service and state money transmission or virtual currency business licensing agencies. U.S. federal and state laws and regulations on Digital Assets are subject to significant uncertainty and are evolving rapidly.  While we are making reasonable efforts to comply with applicable rules and regulations in the U.S. and internationally with respect to our operations, we cannot predict nor guarantee that your use, transfer, or exchange of Digital Assets through our Services will not be subject to any such regulations, either now or in the future. Any change of Digital Assets regulations may have a material negative impact on your ability to use and transfer such Digital Assets and may cause you to lose all or a portion of the value of such Digital Assets.","Bank Fees.  Your bank may charge you fees for sending or receiving funds through our Services. For example, depending on your location, you may be charged currency conversion processing fees, international transactions fees, or other fees even when your transaction is domestic and does not require a currency conversion. Metallicus is not liable for any fees charged to you by your bank or other financial institution based on your usage of MTL or our Services.","Transparency Statement.  Metallicus does not in any way obscure the information that it requests or obtains. Due to the inherent transparency of blockchains, transactions to and from Metallicus are public and easily correlated. Attempting to use Metallicus to obscure transactions or assets in any way is pointless. Law enforcement has full access to blockchain information that goes in or out of our system. Metallicus will comply voluntarily with all legal reporting obligations and specific requests for information from it. As such, we reserve the right to provide information to law enforcement personnel and other third parties to answer inquiries; to respond to legal process; to respond to the order of a court of competent jurisdiction and those exercising the court’s authority; and, to protect Metallicus and our users.","Anti-Money Laundering and Counter-Terrorist Financing Statement. Metallicus is committed to full compliance with all applicable laws and regulations regarding Anti- Money Laundering and sanctions screening (“AML”).  Our policy is to prevent sanctioned/non sanctioned people engaged in money laundering, fraud, and other financial crimes, including without limitation, terrorist financing, from using the Services.  Metallicus and our third-party partners have robust policies and procedures to detect, prevent and report suspicious activity. To comply with OFAC requirements with respect to U.S. sanctions, and global sanctions, we screen our customer accounts against government sanctions lists. We report suspicious transactions to federal authorities in accordance with applicable law, as well as to the financial intelligence unit/regulator in the respective country.","How does this impact you?  As part of our AML procedures, we collect information from you to satisfy our “know your customer” (“KYC”) obligations. This means that we may request information from you due to a specific identification requirement or because of our watch list screening process. We may ask you to provide documentation to help confirm your identity or provide additional information regarding your activities.","When is this information requested? We may ask for this information during Account opening or as part of our Account review process, which we periodically conduct on our existing customers.","No Agency, Trustee or Fiduciary Relationship.  Metallicus is only a payment service provider. We do not: act as a custodian or escrow agent with respect to any money sent to you through our Service that has not been transferred; act as your escrow agent or trustee; enter into a partnership, joint venture, escrow agency, or employment relationship with you; guarantee the identity of any user or seller; or determine if you are liable for any taxes.","Digital Assets Prices, Exchange Rates, and Confirmations.","Digital Assets are not official currencies and are highly experimental and risky.  The Services (which include but are not limited to purchasing Digital Assets on users’ behalf) attempt to provide accurate price and exchange rate information, but this information is highly volatile, it is determined by third parties and can change quickly without users necessarily being aware of these changes.","Exchange rates that you as a consumer receive when remitting payments to other consumers are calculated at the time your transaction is accepted.  Due to varying types and levels of security between blockchains and networks, your payment is typically considered “accepted” when Metallicus has verified three blockchain confirmations. Metallicus may occasionally accept a payment with zero confirmations, although this decision is at Metallicus’s sole discretion. It is important to note that a payment being broadcast to the blockchain network does not constitute an acceptance by Metallicus of that payment. The blockchain is responsible for confirming Digital Asset transactions and Metallicus is not liable for any loss due to, but not limited to, errors in the protocol, delays or any other breakdown relating to the blockchain.  Metallicus cannot confirm, cancel, or reverse Digital Asset transactions.","Metallicus is not liable for any errors, loss, or omissions due to sending Digital Assets to or receiving Digital Assets from incorrect wallet addresses, email addresses, entering incorrect transaction amounts, or any other information related to Digital Asset transactions by using the Service. It is your sole responsibility to use the correct Digital Asset addresses, email addresses, and transaction amounts when transacting.","Digital Assets are securely stored in a combination of online and offline storage. As a result, it may take up to 48 hours or more to facilitate Digital Asset transactions. By using the Services, you accept the risk that transactions may be delayed, and you agree not to hold Metallicus liable for any damages or loss due to delays.","The information contained on Metallicus websites, Services, or Apps does not constitute accounting, legal, financial, consulting investment or other professional advice. You bear all the risks from any decision to hold, purchase or sell Digital Assets on our Services, websites, and Apps and Metallicus will not be liable for any loss suffered.","Returns and Refund Policy.","IMPORTANT: Transactions in Digital Assets are, by their nature, generally irreversible, and their exchange rates are highly volatile and transitory. For these reasons, customers may only receive a refund if Metallicus has not yet completed the transmission. Once the asset has been transmitted, no refund is possible, even if the wrong address was provided to Metallicus. All sales after transmission are final.","Our Digital Assets. “MTL” is Metal’s proprietary Digital Asset. Some eligible transactions including sending or receiving payments for goods or services allowed by us at our discretion may earn MTL rewards if and when promotional programs are available and active.","Permissible Use.  You may only use the Services as a mechanism of software ledger entry translation between you and Metallicus. You are prohibited from using the Services for translating ledger entries with other parties, except for making and receiving payments as permitted under the Terms.","Costs. From time to time, we may need to spend time dealing with issues brought to us by customers. Where any customer issue is not caused by our negligence or oversight, we reserve the right to recover from the customer reasonable administrative costs spent addressing the customer issue.","Digital Assets Conversion.  Some uses of your Metal Pay Service Account require a currency conversion. Examples of such conversions include, without limitation, converting your Metal Pay Service Account balance in U.S. dollars to a Digital Asset, from one Digital Asset to another Digital Asset, or from a Digital Assets to U.S. dollars. Such conversions will be performed at the most current market rate established by a third-party partner. The exchange rate is displayed in the transaction information in your digital wallet with us.  Any such conversion may cause you to incur costs, including without limitation, those related to taxes (e.g., tax filing costs, tax liabilities).","Digital Assets Tax Disclosures.","Each user should consult with and must rely upon the advice of its own professional Tax advisers with respect to all U.S. federal income Tax, state local, and non-U.S. Tax treatment of MTL tokens and the purchase, sale, storage, and rewarding of Digital Assets through the Services.  The Tax treatment of the MTL tokens and all tokens generally is uncertain and there may be adverse Tax consequences for Service users that hold, receive, transfer, trade, and/or purchase the MTL or any other related tokens. The purchasing, transferring, receiving, or holding of, or investing in, MTL tokens may result in adverse tax consequences, including without limitation, withholding Taxes, income taxes and tax reporting requirements.  Metallicus does not intend to request a ruling from the U.S. Internal Revenue Service (“IRS”) or any tax authority or governmental agency on these issues.","On March 25, 2014, the IRS released Notice 2014-21, 2014-16 I.R.B. 938 (the “Notice”), which discusses certain aspects of the treatment of convertible virtual currencies for U.S. federal income tax purposes.  A “convertible virtual currency” is a digital currency that has an equivalent value in real currency or acts as a substitute for real currency.  The Notice provides that for U.S. federal income tax purposes a convertible virtual currency is considered “property” and not a “currency.” Further, the character of any gain or loss of a transaction involving a convertible virtual currency depends on whether it is a capital asset in the hands of the taxpayer.  Any Service user that chooses to transfer funds via the Services with the MTL token (instead of cash) may be required to report a gain or loss to the extent the user’s basis differs from the fair market value of the token at the time of the transfer.  That same tax exposure exists for those Service users that choose to sell their MTL token(s) on a secondary market.","There is no guarantee that the IRS will agree that the MTL token falls within the parameters of the Notice or that the IRS will not alter its position with respect to digital currency in the future or that a court would uphold the tax treatment set forth in the Notice.  In addition, Metallicus can provide no assurance that future legislation will not treat digital currency, including without limitation, MTL, as currency for U.S. federal income tax purposes. If treated as currency for such purposes, gains recognized on the disposition of MTL would constitute ordinary income, and losses recognized on the disposition of MTL could be subject to special reporting requirements applicable to “reportable transactions.”","Further, the Notice fails to address significant aspects of the U.S. federal income tax treatment of digital currency, including, without limitation: (a) whether convertible virtual currency is properly treated as a “commodity” or as a “collectible”; (b) the proper method of determining a holder’s holding period and tax basis for such acquired at different times or at varying prices; and (c) whether and how a holder of convertible virtual currency acquired at different times or at varying prices may designate for U.S. federal income tax purposes which units of the virtual currency are transferred in a subsequent sale, exchange or other disposition (e.g., last-in first-out).","Additionally, the IRS has increased enforcement actions on virtual currency transactions.  On July 2, 2018, the IRS announced a new compliance initiative on virtual currencies (the “Campaign”).  The purpose of the Campaign is to “address noncompliance related to the use of virtual currency through multiple treatment streams including outreach and examinations.”  Said another way, the IRS seems to have made it a priority to audit those returns with some level of virtual currency transactions; however, the breadth of the Campaign’s execution is unknown at this time, and it is likely to vary depending on the IRS’s successes and failures in the Campaign’s execution.","The Infrastructure Investment and Jobs Act (2021) clarifies and expands the rules regarding the reporting of information on digital assets by brokers.","THE TAX ASPECTS OF MTL TOKENS AND THE PURCHASE, SALE, STORAGE, AND REWARDING OF DIGITAL ASSETS THROUGH THE SERVICES ARE COMPLEX, AND YOU SHOULD REVIEW THE TAX CONSIDERATIONS APPLICABLE TO THE SAME WITH A PROFESSIONAL ADVISOR THAT IS FAMILIAR WITH YOUR TAX SITUATION AND WITH THE SPECIFIC LAWS AND REGULATIONS APPLICABLE TO YOU AND DIGITAL ASSETS .  METAL PROVIDES NO GUARANTEE OR ASSURANCE THAT YOU WILL NOT SUFFER ADVERSE TAX CONSEQUENCES BY VIRTUE OF YOUR USE OF MTL TOKENS OR THE PURCHASE, SALE, STORAGE, AND REWARDING OF DIGITAL ASSETS THROUGH THE SERVICES.","Unlawful Internet Gambling Notice; Cannabis Transactions.  Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through your Account or your relationship with Metallicus.  Restricted transactions generally include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful Internet gambling. You will not use your Accounts to transfer or accept funds to or from any person that is engaged, directly or indirectly, in the possession, production or distribution of marijuana or cannabis products that are illegal under state or federal law.","Customer Feedback, Queries, Complaints, and Dispute Resolution.","Contact Metallicus . If you have feedback, or general questions, contact us via our Help Center webpage at https://help.metalpay.com.  When you contact us, please provide us with your name, and any other information we may need to identify you, your Metal Pay Service Account(s), and the transaction on which you have feedback or questions.  Metallicus requires that all legal documents (including without limitation, civil subpoenas, complaints, and small claims) be served on our registered agent for service of process. Please note that our registered agent will accept service only if the entity identified as the recipient of the document is identical to the entity registered with the Secretary of State and for which our registered agent is authorized to accept service. By accepting service of a legal document, Metallicus does not waive any objections we may have and may raise in response to such document.","Formal Complaint Process. If you have a dispute with Metallicus (a “Complaint”), you must contact Metallicus through our complaints mailbox at help@metalpay.com to attempt to resolve any such Complaint amicably. If we cannot resolve the Complaint through the Metal Pay client services team, you and we will use the formal complaint process set forth below. You must use this process before filing any arbitration claim or small claims action. If you do not follow the procedures set out in this section before filing an arbitration claim or suit in small claims court, we have the right to ask the arbitrator or small claims court to dismiss your filing unless and until you complete the following steps.","Procedural Steps. If your Complaint is not resolved through your contact with Metal Pay client services, you must use our complaint form to describe your Complaint, how you would like us to resolve the Complaint, and any other information related to your Complaint that you believe to be relevant. The complaint form can be found on the Metal Pay Help Center at https://help.metalpay.com or can be requested from Metal Pay Client Services+ at help@metalpay.com.","Metallicus Response. We will acknowledge receipt of your Complaint form after you submit it. A Metal Pay client services office (\"Complaints Office\") will review your Complaint. The Complaints Office will evaluate your Complaint based on the information you provide and information in Metallicus’s possession. Within 15 Business Days of our receipt of your Complaint form, the Complaints Office will address the issues raised in your Complaint form by sending you an e-mail (\"Resolution Notice\") in which the Complaints Office will: (a) offer to resolve your Complaint in the way you requested; (b) decide on rejecting your Complaint and set out the reasons for the rejection; or (c) offer to resolve your Complaint with an alternative solution. In exceptional circumstances, if the Complaints Office is unable to respond to your Complaint within 15 Business Days for reasons beyond Metallicus's control, the Complaints Office will send you a communication indicating the reasons for any delay in answering your Complaint and specifying the deadline by which the Complaints Office will respond to your Complaint, which will be no later than 36 Business Days from our receipt of your Complaint form.","Agreement to Arbitrate.  IF YOU AND THE METALLICUS PARTIES ARE UNABLE TO RESOLVE YOUR COMPLAINT THROUGH THE FORMAL COMPLAINT PROCESS OUTLINED ABOVE, YOU AND WE WILL RESOLVE SUCH COMPLAINT AS SET FORTH IN THIS SECTION.  BY AGREEING TO THESE TERMS, YOU AGREE THAT YOU ARE REQUIRED TO RESOLVE ANY CLAIM THAT YOU MAY HAVE AGAINST ANY METALLICUS PARTY ON AN INDIVIDUAL BASIS IN ARBITRATION, AS SET FORTH IN THIS “AGREEMENT TO ARBITRATE.” THIS WILL PRECLUDE YOU FROM BRINGING ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION AGAINST ANY METALLICUS PARTY, AND PRECLUDE YOU FROM PARTICIPATING IN OR RECOVERING RELIEF UNDER ANY CURRENT OR FUTURE CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION BROUGHT AGAINST ANY METALLICUS PARTY BY SOMEONE ELSE.  You and each of the Metal Parties agree that any claim or dispute at law or equity arising out of or relating to (a) these Terms or the existence, breach, termination, enforcement, interpretation or validity thereof, or (b) your access to or use of the Service at any time, whether before or after the date you agreed to these Terms, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory will be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted.  Please read this information carefully. Among other things it:","(i) affects your rights and will impact how claims you and we have against each other are resolved; and","(ii) includes a Prohibition of Class and Representative Actions and Non-Individualized Relief pursuant to which you agree to waive your right to participate in a class action, representative, collective, or consolidated lawsuit against us.","Prohibition of Class and Representative Actions and Non-Individualized Relief.  You and Metallicus agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class, consolidated, collective, or representative action or proceeding.  Unless both you and Metallicus agree otherwise, the arbitrator(s) may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative, collective, or class proceeding.  Also, the arbitrator(s) may award relief (including without limitation, monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s).  Any relief awarded cannot affect any other Metallicus customers. If you are a resident of California, the court may award you public injunctive relief.","Arbitration Procedures.","Arbitration is more informal than a lawsuit in court.  Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited.  However, the arbitrator(s) can award the same damages and relief on an individual basis that a court can award to an individual. The arbitrator(s) also must follow the terms of these Terms as a court would.  All issues are for the arbitrator(s) to decide, except issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate, or the interpretation of the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, shall be for a court of competent jurisdiction to decide.  The arbitration will be conducted by the American Arbitration Association (referred to as the \"AAA\") under its rules and procedures, including the AAA's Consumer Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the \"AAA Rules\") (as applicable), as modified by this Agreement to Arbitrate.  The AAA Rules are available at www.adr.org. Notwithstanding any choice of law or other provision in these Terms, this Agreement to Arbitrate evidences a transaction involving interstate commerce and that the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”), will govern its interpretation and enforcement and proceedings pursuant thereto. It is the intent of the parties that the FAA and AAA Rules shall preempt all state laws to the fullest extent permitted by law. If the FAA and AAA Rules are found to not apply to any issue that arises under this Agreement to Arbitrate or the enforcement thereof, then that issue shall be resolved under the laws of the state of Delaware.","A party who intends to seek arbitration must first pursue the formal complaint process outlined above, which is a prerequisite and precondition to arbitration.  If the dispute between you and Metallicus is not resolved through the Formal Complaint process, you or Metallicus may initiate arbitration proceedings.  A form for initiating arbitration proceedings is available on the AAA's website at www.adr.org.","The arbitration shall be held in the county in which you reside or at another mutually agreed location.  If the value of the relief sought is $10,000 or less, you or Metallicus may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and Metallicus subject to the discretion of the arbitrator(s) to require an in-person hearing if the circumstances warrant.  In cases where an in-person hearing is held, you or Metallicus may attend by telephone, unless the arbitrator(s) require otherwise. Any settlement offer made by you or Metallicus shall not be disclosed to the arbitrator(s).","The arbitrator(s) will decide the substance of all claims in accordance with applicable law, including without limitation, recognized principles of equity, and will honor all claims of privilege recognized by law.  The arbitrator(s) will not be bound by rulings in prior arbitrations involving different customers of ours but is/are bound by rulings in prior arbitrations involving the same customer to the extent required by applicable law.  The award of the arbitrator(s) shall be final and binding, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.","Costs of Arbitration.  Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate.  If the value of the relief sought is $10,000 or less and assuming you have followed the Formal Complaint process, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration.  Any request for payment of fees by Metallicus should be submitted by mail to the AAA along with your Demand for Arbitration and Metallicus will plan to pay all necessary fees directly to the AAA.  If the value of the relief sought is more than $10,000 and you can demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, Metallicus will pay as much of the filing, administration, and arbitrator fees as the arbitrator(s) deem necessary to prevent the cost of accessing the arbitration from being prohibitive.  In the event the arbitrator(s) determine the claim(s) you assert in the arbitration to be frivolous or without merit, you agree to reimburse Metallicus for all fees associated with the arbitration paid by us on your behalf that you otherwise would be obligated to pay under the AAA's rules.","Severability. Except for any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void, but the remainder of these Terms will continue to apply.","Future Amendments to this Agreement to Arbitrate. Notwithstanding any provision in the Terms to the contrary, if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against Metallicus prior to the effective date of the amendment.  The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and Metallicus. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.MetalPay.com at least 21 days before the effective date of the amendments and by providing notice through email. If you do not agree to these amended terms, you may close your Account with us within the 21-day period and you will not be bound by the amended terms.","Metallicus’s Copyright Policy.  Metallicus will investigate claims of copyright infringement and take appropriate actions under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (\"DMCA\").  If you believe that any content on the Metal Pay website or accessible through our Services has infringed your copyright, you may submit a written notification of claimed copyright infringement to the following Designated Agent:","1429 Rollins Road Burlingame, CA 94010  USA","Attn: Legal Department","legal@metalpay.co","DMCA Notification.  To be effective, the notification must be written and include the following (please consult your legal counsel or see Section 512(c)(3) of the DMCA to confirm these requirements):","a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;","identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;","identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material; (providing URLs in the body of an email is the best way to help us locate content quickly);","information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;","a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;","a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.","After removing material according to a valid DMCA notice, we will immediately notify the individual responsible for the allegedly infringing material that we have removed or disabled access to the material.","How to Make a Counter Notification.  If you are a registered user of our services and you feel that material that you have placed online and that has been removed following an infringement complaint is in fact NOT an infringement, you may file a counter notification. Section 512 (g)(3) of the DMCA requires that, to be valid, the counter notification must be written and addressed to our Designated Agent (listed above) and must provide the following information:","a physical or electronic signature of the subscriber;","identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;","a statement under penalty of perjury that the subscriber has a good faith belief that the material was removed or disabled because of mistake or misidentification of the material to be removed or disabled; and","the subscriber’s name, address, and telephone number, and a statement that the subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the subscriber’s address is outside of the United States, for any judicial district in which the service provider may be found, and that the subscriber will accept service of process from the person who provided notification under or an agent of such person.","Our Designated Agent will present your counter notification to the person who filed the infringement complaint. Once your counter notification has been delivered, Metallicus is allowed under the provisions of Section 512 to restore the removed material in not less than ten or more than fourteen days, unless the complaining party serves notice of intent to obtain a court order restraining the restoration.","If you do not comply with all the requirements of this Copyright Policy, your DMCA notice, or counter notification may not be valid.  Only DMCA notices and counter notifications should go to our Designated Agent. If you send an email or notice to our Designated Agent without a proper subject line, or for purposes other than communication about copyright claims, we may not acknowledge or respond to your communication. Any other feedback, comments, requests for technical support, and other communications should be directed to our customer service at help@metalpay.com.","It is our policy to terminate, under appropriate circumstances, any accounts of individuals who are repeat copyright infringers, and reserves the right, in its sole discretion, to terminate any access by individuals for actual or apparent copyright infringement.","Disclosures for California Residents. In addition to reporting complaints against Metallicus directly to us as described in these Terms, if you are a California resident, you may report complaints to the California Department of Financial Protection and Innovation by mail at Department of Financial Protection and Innovation, Attn:  Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814 or online through its website at https://dfpi.ca.gov/file-a-complaint/.  The California Department of Financial Protection and Innovation helps with its complaint form by phone at 1-866-275-2677.","Governing Law. Except to the extent inconsistent with or preempted by federal law and except as otherwise stated in these Terms, the laws of the State of Delaware, without regard to principles of conflict of laws that require the application of the law of another jurisdiction, will govern these Terms and any claim or dispute that has arisen or may arise between you and any Metallicus entity.","Protocol Exclusions. Distribution and support for airdropped Digital Assets and forked protocols is solely at Metallicus’s discretion.  Metallicus does not support Digital Assets that are not listed on the Digital Assets offering page.","Digital Asset Payment Recovery. Digital Asset payments that are transferred into a wallet address that does not support the Digital Asset may not be credited to the account holder’s wallet. Metal Pay account holders can submit a payment recovery request by contacting help@metalpay.com. Metallicus reserves the right to charge a fee of 10% of the recovered amount but no less than $20 USDC or $20 USD fee to recover the Digital Assets if the error is not attributable to Metallicus.","APPENDIX 1 – E-SIGN DISCLOSURE AND CONSENT POLICY","E-SIGN Consent to Use Electronic Records and Signature.","We are legally required to provide you with certain disclosures and information about the use of electronic records and electronic signatures as well as the electronic delivery of disclosures, documents, notices, and other information.","Electronic Delivery of Disclosures and Notices.","The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN”) and related state laws. As part of the application process, including the establishment and ongoing maintenance of your Account, you have the option to receive all required documents and disclosures electronically. In order for you to take advantage of this service, you must first be provided with this E-SIGN Disclosure and Consent document. If, after reading this document carefully, you continue to access and use the Services, that constitutes your affirmative consent to receive disclosures, notices, and other documents and all changes to the disclosures, notices, etc. (“Records and Communications”) electronically.","Your agreement permits us to communicate with you via email as well as to our general use of electronic records and electronic signatures in connection with the Services. You further agree that your computer or mobile device satisfies the hardware and software requirements specified below and that you have provided us with a current email address to which we may send electronic Records and Communications to you. If you do not consent to receiving Records and Communications or transacting via electronic records or signatures, you should not use the Services.","Types of Disclosures and Notices That Will be Provided in Electronic Form.","You agree that we may provide you with Records and Communications in electronic format. Your consent to receive electronic Records and Communications includes, but is not limited to:","All legal and regulatory disclosures, documentation, contracts, Terms, policies, rules and other communications related to the Services, including updates thereto;","Notices or disclosures about a change in the terms concerning the Services;","Account details, history, transaction receipts, confirmation, and any other Account or transaction information;","Privacy policies and notices;","Other communications that we may include from time to time as part of our products and services.","Providing Records and Communications in Electronic Form.","If you consent, we will provide Records and Communications to you in electronic form by (i) by email and hyperlinks included in emails, (ii) websites, (iii) mobile applications, (iv) mobile websites, or (v) SMS messages (including text messages).","Hardware and Software Requirements.","To receive an electronic copy of Records and Communications, you must have: (1) a personal computer or other device capable of accessing the internet; (2) internet access; (3) a valid email address and mobile device that can receive text messages; (4) a widely-used, recent- generation web browser (for example, Chrome or Internet Explorer); (5) a current version of a program that accurately reads and displays PDF files (such as Adobe Reader 10 or above);(6) a printer, hard drive or other storage capability.","Your access to this page verifies that your system/device/software meets these requirements listed above.","Additional Mobile Technology Requirements.","If you are accessing our website and any consents or disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save any such consents or disclosures presented to you during the Application process. These applications can be found for most mobile devices in the devices’ respective “app store”. If you do not have these capabilities on your mobile device, please access our website through a device that provides these capabilities.","Your enrollment in electronic services using our equipment.","If you attempt to utilize any of our Services through one of our customer service representatives or using our website or App, your Application may not be complete until you take additional action. We will advise you, at the time of your enrollment, of any additional action you must take. If you take the required action, it is an affirmation of your consent to use electronic records and signatures under the terms of this ESIGN Consent.","How to Withdraw Consent.","You may withdraw your consent to receive Records and Communications in electronic form by contacting us at help@metalpay.com. Withdrawing your consent will cancel your agreement to receive Records and Communications in an electronic format related to the Services and may impact your ability to use or access your Account. We reserve the right to cancel services provided to you if you withdraw your consent to receive Records and Communications in electronic form.","Any withdrawal of your consent to receive electronic Records and Communications will be effective only after we have a reasonable period of time to process your withdrawal. You will not be charged a fee for withdrawing your consent to receive electronic Records and Communications.","How to Update Your Information.","You are responsible to provide us with a true, accurate and complete email address, contact and other information related to this E-SIGN Disclosure and Consent, and to maintain and update promptly any changes in that information. You can update your information through the App and/or website.","Requesting Paper Copies.","We will not send a paper copy of any Records and Communications to you unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of your electronic Records and Communications by printing it yourself or by requesting that we mail you a paper copy. To request a paper copy of any Records and Communications be mailed to you, contact us at help@metalpay.com.  Please be sure to state that you are requesting a paper copy of particular Records and Communications. You may be charged a fee for such a request.","Records and Communications in Writing.","All Records and Communications in electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this E-SIGN Disclosure and Consent and any other Records and Communications important to you.","Termination/Changes.","We reserve the right, in our sole discretion, to discontinue the provision of electronic Records and Communications, or to terminate or change the terms and conditions on which we provide electronic Records and Communications. We will provide you with notice of any such termination or change as required by law.","Metal Pay Monday Promotion","Please note that cryptocurrency investments come with risks, and their value can fluctuate. Ensure that you are well-informed about the cryptocurrency market before participating in this campaign. This campaign is subject to the terms and conditions of Metal Pay, and participants must comply with all relevant legal regulations.","Participation in the \"Metal Pay Mondays\" campaign offered by Metal Pay is contingent upon meeting specific terms and conditions. To qualify for this campaign, individuals must be registered Metal Pay users and have an active recurring buy for any cryptocurrency within their Metal Pay account for at least one week. Additional entries into the weekly drawing are granted for each activated automatic buy, thus increasing the chances of winning for users with multiple automatic buys in place. Winners will be randomly selected every Monday, and the selection process is conducted transparently and fairly. Notifications will be sent through users' Metal Pay accounts and official Metal Pay social media channels.","Prizes, which consist of $BTC, will be credited to the winners' Metal Pay accounts within 7-10 business days from their win date. \"Metal Pay Mondays\" is an ongoing campaign that takes place every week, offering users a regular opportunity to win. It is crucial to acknowledge the inherent risks associated with cryptocurrency investments, including market volatility, and to invest only what one can afford to lose. Compliance with all relevant legal regulations, including those concerning cryptocurrencies and gambling, is mandatory for participants in their respective jurisdictions. Metal Pay and its affiliates are not liable for losses arising from market fluctuations or participant actions. Participants are advised to seek legal guidance and consult with regulatory authorities if unsure about the campaign's legality in their region. By engaging in \"Metal Pay Mondays,\" participants demonstrate their comprehension and acceptance of these terms and conditions. Metal Pay retains the right to amend, suspend, or terminate the campaign as necessary. For further inquiries or concerns, participants are encouraged to contact Metal Pay's customer support. This campaign serves entertainment and promotional purposes and should not be considered financial advice. Participants should approach cryptocurrency investments with caution and due diligence.","Legal Disclosures.","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/terms"},"/":{"version":1,"title":"Buy BTC, ETH, XRP, LTC & DOGE | Low Fees, 24/7 Support | Metal Pay","description":"The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","keywords":"","h1":["Crypto by the Experts,"],"h2":["Crypto News - 11 September 2026","Crypto News - 4 September 2026","Crypto News - 28 August 2026"],"h3":["that's Metal."],"h4":[],"h5":[],"h6":[],"p":["Buy Crypto","Markets","News","Support","Metal Pay For Business","Payment Methods","More Methods","coming soon","The time has come, to move to Metal.","10","Experts in Crypto.","Experts on Banking.","Metallicus has been building in crypto since 2015 — the right way: compliant, secure, and built to work with the banking system, not against it.","The best price,","for verified assets.","Some crypto platforms charge big spreads or hide fees. We give you clear pricing — and make sure you are buying the actual asset you arrived for.","We take data security, very seriously.","All customer data is encrypted with institutional-grade security. It remains private, so you can sleep easy knowing your crypto is safe.","24/7 Live Support","Chat with a human on our team at any point. Whether you are buying bitcoin for the first time, or navigating our advanced decentralized exchange, Metal X, we are always here to help.","Metal Client Services","The lowest fees,","the fairest prices.","At Metal Pay, we aim to get you the most crypto for your money. No shady spreads, no hidden fees — just the lowest card fees in the industry for Bitcoin, Ethereum, USDC + more.","Explore Available Markets","BTC","Buy Bitcoin →","ETH","Buy Ethereum →","DOGE","Buy Dogecoin →","XRP","USDC","LTC","Send crypto free","and instantly.","Send crypto to anyone on Metal Pay for free.No gas fees, no delays — transfers settle instantly on XPR Network. Move BTC as XBTC, a 1:1 smart contract version built for speed, always withdraw-able to Bitcoin mainnet.","Send crypto to anyone on Metal Pay for free. No gas fees, no delays — transfers settle instantly on XPR Network. Move BTC as XBTC, a 1:1 smart contract version built for speed, always withdraw-able to Bitcoin mainnet.","Explore XPR Network","Advanced DeFi","Explore","Advanced DeFi.","Lend. Borrow. Trade. Earn.","Lend. Borrow.","Trade. Earn.","Start Trading","Self-custody your crypto with WebAuth.","Self-custody","your crypto with WebAuth.","Your private key, your crypto. Sign transactions with Face ID, Touch ID, or YubiKey — no extensions, no passwords. Supports XPR Network, Metal, Metal L2, Ethereum, Optimism and we are continually adding more networks.","Create your free account","News & Updates","Bitcoin Retreats as Crypto Greed Cools","Bitcoin rebounds as Fed fears ease","Bitcoin Reclaims $80,000 as Risk Appetite Returns","More Updates","The compliant way to crypto. Low fees on debit and credit card purchases. No shady price spreads. 24/7 live support. Available in the US, Australia & New Zealand.","Get Metal Pay","Metal Pay","Brand Assets","Refer a Friend","Automatic Buys","How to Buy","App Store (iOS)","Play Store (Android)","On-ramp","Integrations","XPR Network","Metal Blockchain","Metal X","WebAuth","Company","Metallicus, Inc.","Careers","Terms of Service and Disclosures","Privacy Notice","Personal","Sell Crypto","Swap Crypto","Crypto Prices","About Crypto","Buy","Buy Bitcoin","Buy Ethereum","Buy Solana","Buy XRP","Buy Cardano","Buy Dogecoin","Buy XPR Network","Buy Litecoin","Buy USDC","Buy Metal Dollar","Bitcoin Price","Ethereum Price","Solana Price","XRP Price","Cardano Price","Metal Pay is a service of Metallicus, Inc., a licensed provider of money transfer services (NMLS ID: 2057807) and MetalPay, Inc. NMLS ID (2731963).","All money transmission is provided by Metallicus, Inc. pursuant to Metallicus, Inc.’s licenses, and/or the applicable law depending on the jurisdiction. © 2026 Metallicus, Inc.","License issued to Metallicus by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency."],"codeblock":[],"url":"/"}}