Why run USDC separately from USDT?

Card programs list different supported assets. A USDT winner may not accept USDC (and vice versa).

Default held-on is Bybit — can I change it?

Yes. Use the calculator to switch Binance or another wallet; bank off-ramp labels update with held-on.

Spend routes

VerifiedUSDC · ES · $2,500/mo

Cheapest way to spend USDC in Spain

USDC often unlocks different card eligibility than USDT. Run Spain defaults, then tweak spend and where USDC is held.

Default profile snapshot

Best overall

RedotPay

USDC → RedotPay → Card spend

$382/yr

Cheapest

Bank off-ramp — Bybit → SEPA → debit

USDC → Bybit → Convert → SEPA → Bank debit / cash

$36–$171/yr

Static snapshot for this page’s defaults. Adjust the calculator below for your numbers.

Live Route Engine

Change country, asset, held-on and spend — rankings update instantly.

How CryptoSpend routes work

We compare full paths from crypto you already hold to everyday spend. Card legs reuse the verified Spend Optimizer fee model. Bank off-ramp is shown as a cost range with more steps and slower settlement — so “cheapest” is never judged on dollars alone.

Why bank off-ramp numbers differ by exchange

The Off-Ramp Registry stores separate convert + withdrawal friction for Bybit, Binance, Kraken and Coinbase by rail (SEPA, FPS/BACS, local AED). That is why Bybit→SEPA and Kraken→SEPA no longer share one global constant. Figures stay labeled modeled until each schedule is verified like card fees.

Route guide FAQ

Why run USDC separately from USDT?: Card programs list different supported assets. A USDT winner may not accept USDC (and vice versa).
Default held-on is Bybit — can I change it?: Yes. Use the calculator to switch Binance or another wallet; bank off-ramp labels update with held-on.