Digital assets promised a better kind of finance, one that’s open, efficient, and built for everyone.
But even for the most crypto-native users, using digital assets in everyday life is still harder than it should be.
Hundreds of blockchains. Thousands of assets. All locked behind complex bridges, swaps, and fragmented interfaces.
Despite years of progress, the onchain experience still lacks one thing traditional finance gets right: simple, effortless spending.
You shouldn’t need a PhD to spend your own money. That’s the problem Cypher is here to fix.
Making Digital Assets Usable in Everyday Life
Cypher is building the infrastructure that makes digital assets truly usable — and not just tradable.
At its core, Cypher is designed around a non-custodial architecture, meaning users always retain control of their private keys and assets. There’s no trade-off between ownership and usability.
With the Cypher Card, users can seamlessly convert supported digital assets into fiat at the point of payment, enabling everyday spending anywhere cards are accepted.
Everything stays unified in one experience:
- Multi-chain support, including Base
- Support for a wide range of digital assets
- Rewards on every spend
- A premium metal card designed for daily use
The goal isn’t just to support crypto — it’s to make spending crypto feel natural.
Security and Convenience Are Defaults, Not Features
In traditional finance, control often comes at the cost of flexibility. In crypto, flexibility often comes at the cost of safety.
Cypher is designed so users don’t have to choose.
Built-in card controls allow users to manage risk in real time:
- Lock or unlock the card instantly
- Block spending from specific countries
- Activate Lockdown Mode to freeze all card activity immediately
Security and convenience aren’t optional add-ons. They’re part of the foundation.
Beyond Payments: Redefining Rewards
A seamless onchain spending experience is just the beginning.
Cypher is also rethinking how rewards and loyalty programs should work in a decentralized world.
Traditional rewards systems are opaque. Decisions are made behind closed doors, users have little visibility, and value often flows one way — toward issuers and intermediaries.
Cypher takes a different approach.
Cypher Rewards Protocol
Cypher Rewards Protocol introduces a transparent, community-driven model where users help decide how rewards are distributed.
Instead of issuers choosing which merchants benefit the most, the community participates directly through an onchain governance process.
How it works
Community Voting Cypher community members vote on which merchants should receive higher reward allocations.
Increased Spending Merchants that receive more votes can offer better rewards, driving higher engagement from users.
Healthy Competition To earn votes, merchants compete by offering exclusive perks, discounts, or special campaigns for Cypher users.
Universal Participation Even non-card holders can participate in voting, helping create a more inclusive and global rewards network.
Network Growth Users grow the ecosystem by inviting others and are rewarded for contributing to Cypher’s expansion.
The Rewards Flywheel Effect
The protocol creates a self-reinforcing cycle:
- The community decides which merchants earn higher rewards
- Merchants compete by offering more attractive incentives
- Cypher Card users spend more to unlock greater value
- Participation and referrals expand the network
- The ecosystem grows stronger with every cycle
As the network grows, rewards become more meaningful — not because of hidden algorithms, but because the community actively shapes them.
The Road Ahead for Onchain Payments
The global digital banking market is growing rapidly, and a new wave of onchain payment innovation is emerging on Base.
Over the past four years, Cypher has processed transactions from users across more than 100 countries, demonstrating strong product-market fit and real-world usage.
Supported by leading innovators and ecosystem contributors, Cypher shares a simple mission: make digital spending feel effortless, global, and community-owned.
We’re building the bridge that makes onchain payments feel as seamless as sending a message.
Crypto doesn’t need to be complex. It just needs to work for everyone, everywhere.
That’s what Cypher is here for.
Ready to experience onchain spending without the complexity? Create your Cypher account and start spending onchain in minutes.
