# Crypto Life > The age of banking is over Crypto Life is a crypto card and lending service that lets users spend digital assets directly from self-custody. It serves crypto holders who want to spend, borrow against, and manage their assets without giving up control. Crypto Life is a crypto card and lending service that enables spending digital assets straight from self-custody wallets. It offers virtual and physical cards, crypto-backed credit lines, and fixed-term loans, letting holders convert crypto to fiat at the point of sale or borrow against their holdings without selling them. The service targets individuals who hold digital assets and want everyday spending power and liquidity without relinquishing custody of their funds. The platform addresses a common friction point in digital asset ownership: converting holdings into everyday spending power while retaining control of private keys. It works by linking a payment card to a self-custody wallet or account, applying real-time conversion from crypto to fiat at the moment of purchase, and offering optional credit lines collateralized by crypto holdings. It operates as a licensed and regulated financial services brand. Its core offering is the Crypto Life Card, alongside credit and lending products such as a crypto-collateralized credit line and fixed-term loans. The card integrates with several self-custody wallet providers, extending spending functionality directly from those wallets. It is used by retail holders of digital assets seeking to spend, borrow against, or convert their holdings for daily use. - Type: Company - Sector: Payments - Status: Active - Founded: 2018-04-01 - Profile: https://thegrid.id/profiles/withcl ## Products - [Crypto Life Card](https://thegrid.id/profiles/withcl): Crypto Life Card is a payment card that converts digital assets held in a self-custody wallet into fiat at the point of purchase, letting users spend crypto at merchants worldwide. Users top up and manage the card from a connected web3 wallet or the platform's web application, earning cashback on purchases. The platform also provides a crypto-backed credit line and a fixed-term loan, letting users borrow against crypto holdings as collateral without selling them. Borrowing terms and spending limits can be improved by staking the platform's native token. (Card, Live, Main Product) - [Crypto Life Card with MetaMask](https://thegrid.id/profiles/withcl): Crypto Life Card with MetaMask is a self-custody payment card that lets users spend crypto directly from their MetaMask wallet without moving funds to a custodial account. Each purchase is recorded on-chain and converts supported tokens to fiat at the moment of payment, with the user setting a spending cap approved from within the wallet. The card is aimed at MetaMask wallet holders who want to make everyday purchases using balances they continue to hold and control themselves. (Card, Live) ## Assets - [Baanx (BXX)](https://thegrid.id/profiles/withcl): BXX is the utility token of the Baanx ecosystem, which powers Crypto Life products. It is used for staking to unlock higher interest-free spending limits, earning cashback rewards, and as collateral for borrowing stablecoins. Staking BXX locks holdings for a fixed term in exchange for tiered annual percentage rewards. (Utility) ## Links - [Main](https://www.withcl.com) - [Terms of Service](https://www.withcl.com/legal/us-terms-and-conditions) - [Twitter / X](https://x.com/CL_Technology) - [Medium](https://medium.com/@cryptolifeCL) ## Relationships - [Baanx](https://thegrid.id/profiles/baanx): Parent organization - [Ledger](https://thegrid.id/profiles/Ledger): Parent organization ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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