MetaMask and Aave have partnered to enable spending of Aave’s yield-bearing aUSDC directly through the MetaMask Card, a Mastercard-powered debit card. Users can now tap their card at any Mastercard-accepting merchant globally and pay with assets that were earning interest right up until the transaction settled.

How the plumbing works

The system converts only the necessary amount of aUSDC to fiat at the point of sale. The rest of your balance keeps accruing yield in Aave’s lending market, completely untouched. There’s no manual withdrawal, no bridge transaction, no awkward five-minute wait while you hold up the checkout line.

Settlement happens instantly on Linea, an Ethereum Layer-2 network built by Consensys, the same parent company behind MetaMask.

The MetaMask Card also offers up to 3% cashback on its Metal tier, stacking on top of whatever yield Aave is generating, and is available in the US and Europe.