Crypto Payments Advance, Control Stays with Users

Tangem has launched Tangem Pay in Japan, and it is trying to fix a problem the crypto industry has been quietly struggling with for years. Spending crypto without giving up control.

Most existing crypto payment solutions force users into custody models, pre-conversions, or third-party dependencies. It works, but it defeats the whole point of self-custody. Tangem is taking a different route. It keeps assets in the user’s wallet and only moves funds when you decide to top up a payment balance.

The setup is simple. Users load USDC on Polygon, get a virtual Visa card inside the Tangem Wallet, and start paying through Apple Pay or Google Pay. It works anywhere Visa is accepted, which means crypto moves from niche usage to actual daily spending.

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Also Read: Japan’s Bond Market Volatility Could Trigger the Next Crypto Shockwave

The bigger shift here is structural. Wallet and payment layers are separated. Your assets stay secure, while the payment layer plugs into traditional financial rails. No complicated fee structures either, just standard network costs.

Japan is a strategic entry point, backed by SBI Holdings, signaling rising demand for compliant, user-controlled crypto solutions.

This is where the industry is heading. Not just holding crypto, but actually using it without giving up ownership.