Best DeFi-Native Crypto Cards

DeFi-native is a stricter category than self-custody. Plenty of self-custody cards just connect to your wallet for a balance check, then run the same custodial settlement everyone else does behind the scenes. The 19 cards here actually settle through smart contracts you can read on a block explorer, Gnosis Pay through Safe modules, MetaMask Card through Linea contracts, Ether.fi Cash through eETH-backed credit lines. The user-visible difference is that the worst case for these products isn't "the company runs off with your money" (the company doesn't hold it). The worst case is "the smart contract has a bug or the price oracle gets manipulated, and your collateral gets liquidated." Both are real, both have happened to other DeFi protocols, and the right defense is the same one DeFi power users already use: stick to audited contracts with a track record longer than the most recent bull market. If you're new to DeFi and just want to spend crypto, custodial cards are easier and the security model is at least familiar. DeFi-native pays off when you genuinely use the underlying protocols already.