Stablecoin Cards: Credit Model Shift Accelerates

Stablecoin Cards shift from debit-style spending to credit lines attached to crypto holdings, mirroring the US model where rewards and credit scores dominate over direct asset sales. @Alex__Radu highlights that the first wave delivered simple debit mechanics while the next phase enables borrowing against liquid collateral without forcing immediate sells. @sprinter_ux supplies cross-chain credit lines that settle in USDC at merchant receivers, and @Morpho supplies the underlying lending markets and yield vaults. @PulsarMoneyApp builds the account layer that makes these credit mechanics feel like traditional cards. Stablecoin cards evolution now centers on programmable onchain collateral management and crypto credit infrastructure that keeps settlement familiar to merchants.