Card users · wallet intelligence · 30-day on-chain
1.1M
wallets behind the stablecoin card economy — classified by how they actually spend. The punchline: just 3% of wallets move 80% of the money.
Intelligence
Who actually uses stablecoin cards.
Just 3% of wallets — the whales and businesses — move 80% of all card money.
Occasional / just trying it are the largest crowd at 46% of every wallet tracked.
Whales move the most money — $1.37B, 73% of 30-day volume.
A whale's average swipe is 17× the size of an everyday coffee-buyer's.
1.1M wallets tracked across 23 cards · 3 named & tagged.
Personas
The six kinds of card user.
Behaviour patterns inferred from 30 days of on-chain settlement — not identities.
Coffee, food, small daily buys under ~$50. The quiet majority of crypto-card users.
$50–$800 a swipe — groceries, bills, online orders. Normal retail spending.
Recurring mid-to-large sends — the pattern looks like cross-border money movement.
$5k+ average tickets — high rollers and big-ticket purchases.
Spending almost every day — operations, payouts, or treasury running through a card.
One or two swipes in a month — testing the card or rare, one-off use.
The split
Whales vs coffee-buyers.
By headcount and by money — the same population, two very different pictures.
Who they are vs. where the money goes
Left: share of all wallets we track, by user type (incl. custodial cards). Right: the EVM spend personas by 30-day money.
By users · share of wallets
- ☕ Everyday spenders34.8%
- 🛍️ Regular shoppers4.5%
- 💸 Remittance & transfers0.5%
- 🐋 Whales0.7%
- 🏢 Businesses & power users2.0%
- 🌱 Occasional / just trying it57.4%
By money · share of 30d volume
- ☕ Everyday spenders5.9%
- 🛍️ Regular shoppers8.1%
- 💸 Remittance & transfers4.2%
- 🐋 Whales72.6%
- 🏢 Businesses & power users7.7%
- 🌱 Occasional / just trying it1.5%
The punchline: just 3% of wallets — the whales and businesses — move 80% of all the money. Everyone else is mostly buying coffee.
Leaderboard · 30d
Who moves the money.
Lookup
Find the users behind any card.
Explore
The named wallets behind the volume.
Top wallets by 30-day volume in each pattern — click any one to see its real transaction history.
Everyday spenders
top 240 by volumeCoffee, food, small daily buys under ~$50. The quiet majority of crypto-card users.
Regular shoppers
top 240 by volume$50–$800 a swipe — groceries, bills, online orders. Normal retail spending.
Remittance & transfers
top 240 by volumeRecurring mid-to-large sends — the pattern looks like cross-border money movement.
Whales
top 240 by volume$5k+ average tickets — high rollers and big-ticket purchases.
Businesses & power users
top 240 by volumeSpending almost every day — operations, payouts, or treasury running through a card.
Occasional / just trying it
top 240 by volumeOne or two swipes in a month — testing the card or rare, one-off use.
OpenRate Users
Every wallet has a pattern. We read it.
1.1M wallets classified by real behaviour — and anyone can help name them.