
BitPay Card
- Network
- Mastercard Standard
- Region
- USA
- Type
- Virtual only
DAI is the smallest of the three big stablecoins on this site, and the one with the strongest argument for existing. USDC and USDT are issued by companies that can be subpoenaed, and have been. DAI is collateralised by on-chain assets through MakerDAO (now Sky) smart contracts and is roughly as censorship-resistant as a stablecoin can be in 2026. The 3 cards below accept DAI on at least one network, usually Ethereum or one of the major L2s. The trade-off is liquidity and reach. DAI is a fraction of USDT's market cap, available on fewer exchanges, and the on and off ramps to fiat aren't always one-step. Most users come to DAI through the DAI Savings Rate (now the Sky Savings Rate after the 2024 rebrand), which has paid a variable single-digit APY on idle balance, or through Maker vaults that mint DAI against ETH or staked-ETH collateral. If you're already in that workflow, a DAI card lets you spend without unwinding the position. If you're not, USDC or USDT will be easier to source and load.
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