Nova Wallet and Mercuryo Launch First Debit Card for the Polkadot Ecosystem

Nova Wallet is on a mission to change that. In collaboration with Mastercard, Mercuryo, and Quicko, it has launched the first debit card built specifically for the Polkadot ecosystem. The Nova x Mercuryo Mastercard Debit Card lets users spend DOT directly, with automatic conversion to fiat and almost instant acceptance at millions of merchants worldwide.

The aim is to make Web3 assets more accessible and user-friendly without compromising the underlying networks.

A Polkadot wallet linked to the card lets users pay for goods and services using DOT without going through a centralized exchange. It connects on-chain assets to real-world spending, making DOT usable for payments while still supporting its core roles in staking and governance.

Traditionally, using cryptocurrency for everyday expenses has involved multiple steps: transferring funds from your non-custodial wallet to a centralised exchange (CEX), converting to fiat, waiting for settlement, and then withdrawing to a bank account. That process adds friction, delays, and extra fees to what should be a simple transaction.

The Nova x Mercuryo card aims to remove those barriers. Users can top it up with DOT, and the funds are automatically converted at the time of payment. Whether it’s used online, in-store, or through mobile wallets like Apple Pay or Google Pay, the experience is direct and clear.

For DOT holders, it’s a practical upgrade. Instead of keeping tokens idle or locked in ecosystem apps, they now have the option to use them in day-to-day life.

Linked directly to the Nova Wallet mobile app, the card enables seamless, real-time spending with DOT, all from a single interface.

Users can pay anywhere Visa and Mastercard are accepted, including shopping online, tapping in-store, or adding the card to Apple Pay or Google Pay. There’s no need to pre-convert funds: DOT is exchanged for fiat in a few steps at the time of transaction, with no added steps or delays.

All card activity is visible in the Nova Wallet app, giving users full control over spending, balance tracking, and security features like card locking or freezing. This flow creates a familiar payment experience, powered by Web3.

Using DOT for everyday payments no longer means selling ahead of time or moving funds between platforms. With real-time conversion at checkout, tokens stay in your wallet until the moment you spend them.

This approach keeps assets flexible. You can hold DOT as usual, while still being able to use it when needed. It’s a shortcut to getting more out of your tokens without leaving the Polkadot network. Added the benefit of complete control over your assets through the Nova Wallet app makes the experience even more convenient.

Everything happens inside the Nova Wallet app from setup to your first payment. Here’s how it works.

Nova Wallet makes holding DOT instantly usable without compromising control or simplicity. It’s a bold step toward integrating Web3 tools into everyday life.

If you’re holding DOT, now’s the time to try it. Get your Spend card, connect it to your Nova Wallet, and see how crypto payments work.