{"id":74853,"date":"2026-07-02T13:43:48","date_gmt":"2026-07-02T13:43:48","guid":{"rendered":"https:\/\/crowdfundjunction.com\/blog\/metamask-launches-money-account-with-up-to-4-apy-and-mastercard-spending-access\/"},"modified":"2026-07-02T13:43:48","modified_gmt":"2026-07-02T13:43:48","slug":"metamask-launches-money-account-with-up-to-4-apy-and-mastercard-spending-access","status":"publish","type":"post","link":"https:\/\/crowdfundjunction.com\/blog\/metamask-launches-money-account-with-up-to-4-apy-and-mastercard-spending-access\/","title":{"rendered":"Metamask Launches Money Account With up to 4% APY and Mastercard Spending Access"},"content":{"rendered":"<p><b>(Originally posted on : Bitcoin News )<\/b><br \/>\n<\/p>\n<div>\n<div class=\"@container mb-[25px] rounded-sm overflow-clip py-0.5 pr-0.5 pl-2.5 bg-success-100\">\n<div class=\"flex flex-col gap-m overflow-clip rounded-[6px] !bg-success-10 p-3 @[420px]:p-m\">\n<h2 class=\"m-0 flex items-center gap-s text-[19px] !text-[#1c1c1c] md:text-[20px]\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"10\" viewbox=\"0 0 16 10\" fill=\"none\" class=\"shrink-0 text-success-100\" aria-hidden=\"true\"><path d=\"M1 1.5h14\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/><path d=\"M1 8.5h10\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/><\/svg><span>Key Takeaways<\/span><\/h2>\n<ul class=\"m-0 flex list-none flex-col gap-m pl-0\">\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">Metamask launched Money Account, offering up to 4% APY on mUSD with self-custody.<\/span><\/li>\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">Monad and Mastercard power trading, payments, and yield from one liquid balance.<\/span><\/li>\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">Metamask expands into stablecoin finance as wallet providers compete for yield users.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>Mastercard and Metamask Bring up to 4% APY Stablecoin Accounts to Everyday Payments<\/h2>\n<p>Metamask is turning its wallet into something closer to a full financial account.<\/p>\n<p>The Ethereum-focused wallet has <a href=\"https:\/\/metamask.io\/news\/introducing-metamask-money-account\" target=\"_blank\" rel=\"noopener noreferrer\">launched<\/a> Money Account, a self-custodial feature that allows users to earn up to about 4% variable <span>APY<\/span> on <span>stablecoin<\/span> balances while keeping the funds available for trading, transfers and payments.<\/p>\n<p>The product is built on Monad, which will serve as its home network. When users add funds, supported assets are converted into mUSD, Metamask\u2019s dollar-backed <span>stablecoin<\/span>. The balance then begins earning automatically, without <span>staking<\/span>, lockups, minimums or manual claims.<\/p>\n<p>The goal is to reduce the friction that has long defined <span>crypto<\/span> money management. Users often trade in one app, hold savings in another and spend through a separate card account. Metamask is trying to collapse those functions into one liquid balance.<\/p>\n<h2>Stablecoin Balance Designed to Stay Active<\/h2>\n<p>Money Account is built around a simple idea: <span>stablecoin<\/span> balances should not sit idle between transactions.<\/p>\n<p>Users can trade tokens, perpetuals, <span>prediction markets<\/span>, tokenized stocks, ETFs and commodities while the unused portion of the account continues earning yield. They can also send funds across major networks and borders to any wallet, with the rest of the balance remaining productive.<\/p>\n<p>Spending is connected to Metamask Card, which is powered by Mastercard. Users can spend from the same yielding balance at hundreds of millions of Mastercard merchants worldwide and receive up to 3% back on purchases.<\/p>\n<p>Metamask said there is nothing to claim, <span>restake<\/span>, or move between accounts. The balance remains liquid and available without waiting periods or withdrawal windows.<\/p>\n<p>The product is secured through Metamask\u2019s existing wallet infrastructure, with additional support from Veda and Steakhouse Financial. mUSD is backed 1:1 by U.S. dollars and short-term U.S. Treasury bills held in regulated custody.<\/p>\n<h2>Metamask Targets Stablecoin Yield Market<\/h2>\n<p>The launch comes as <span>stablecoin<\/span> issuers, asset managers and wallet providers race to make digital dollars more productive.<\/p>\n<p>Metamask\u2019s advantage is distribution. As one of the most widely used self-custodial wallets, it can bring yield directly into an interface many <a href=\"http:\/\/www.bitcoin.com\/get-started\/a-quick-introduction-to-crypto\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">crypto<\/a> users already rely on.<\/p>\n<p>Users can fund a Money Account with mUSD, USDC, <a href=\"https:\/\/buy.bitcoin.com\/?utm_source=News\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">USDT<\/a>, DAI, and Aave-wrapped versions of those <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoins<\/a> on supported chains. Metamask said those assets can be converted into mUSD at 1:1 parity with no conversion fees. Users can also buy mUSD directly with debit cards, credit cards, bank accounts, Paypal, Apple Pay, or Google Pay.<\/p>\n<p>The result is a product aimed at making <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoins<\/a> feel less like parked cash and more like working capital. For Metamask, Money Account is a step toward turning the wallet from a transaction tool into a self-custodial financial hub.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/news.bitcoin.com\/metamask-launches-money-account-with-up-to-4-apy-and-mastercard-spending-access\/\">Source link <\/a><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Originally posted on : Bitcoin News ) Key Takeaways Metamask launched Money Account, offering up to 4% APY on mUSD with self-custody. Monad and Mastercard power trading, payments, and yield from one liquid balance. Metamask expands into stablecoin finance as wallet providers compete for yield users. Mastercard and Metamask Bring up to 4% APY Stablecoin [&hellip;]<\/p>\n","protected":false},"author":3947362377,"featured_media":74854,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[32],"tags":[],"_links":{"self":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/74853"}],"collection":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/users\/3947362377"}],"replies":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/comments?post=74853"}],"version-history":[{"count":0,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/74853\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media\/74854"}],"wp:attachment":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media?parent=74853"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/categories?post=74853"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/tags?post=74853"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}