OKX Card Data Shows Crypto Used for Daily Spending in Europe

TLDR

• OKX reported that grocery stores and supermarkets made up 26% of OKX Card transactions in its first month.
• Restaurants and fast food outlets accounted for 18% of total OKX Card spending across the EEA.
• The data covered settled purchase transactions between Jan. 28 and Feb. 26 in all live EEA markets.
• France recorded 5% of transactions at bakeries compared with the 2% EEA average.
• Germany showed 30% of transactions on online marketplaces, above the 13% EEA average.

OKX released new transaction data showing that customers used its payment card for routine purchases across Europe. The figures cover settled transactions in the European Economic Area between Jan. 28 and Feb. 26. The company said groceries, restaurants, and everyday retail led spending during the product’s first month.

OKX Card Records Grocery and Restaurant Dominance

Grocery stores and supermarkets accounted for 26% of all OKX Card transactions during the review period. Restaurants and fast food outlets followed with a combined 18% share of total payments.

The company analyzed the top 20 merchant categories by transaction count, volume, and unique users. The dataset covered all EEA markets where the card operates and excluded peer-to-peer transfers.

An OKX spokesperson said the snapshot reflects “the majority of daily spending behaviors and any high-value outliers.” The spokesperson added that the data includes utilities and other routine categories.

Travel services and online marketplaces trailed grocery and dining transactions in overall usage. However, customers still used the card across a wide range of merchant types.

OKX confirmed that the review only considered settled purchase transactions. The company limited the scope to card activity within the EEA during the specified dates.

The data shows that users relied on the card for small and recurring payments. The company said the pattern reflects everyday spending rather than luxury purchases.

The spokesperson stated that swapping fiat for crypto in daily payments remains a newer behavior. The spokesperson said the findings counter the idea that crypto cards fund only high-end spending.

National Patterns Show Varied Usage across EEA Markets

Country-level data reveals different spending habits across participating markets. In France, bakeries accounted for 5% of OKX Card transactions, compared with 2% across the EEA.

Germany showed strong online activity, with 30% of transactions occurring on online marketplaces. The EEA average for online marketplaces stood at 13% during the same period.

The Netherlands recorded the highest grocery concentration in the dataset. Supermarkets represented 37% of transactions in that market.

Poland reflected higher in-person usage for small purchases. Convenience stores made up 16% of transactions, while fuel stations accounted for about 9%.

The spokesperson said national differences align with established consumer habits. The company argued that stablecoin-funded card payments now integrate into routine spending.

Broader industry data shows similar trends among European crypto card providers. A 2025 Cex.io report found that about 45% of crypto card transactions in Europe fell under $10.

The same report stated that around 40% of crypto card spending occurred online. By comparison, euro-area online card payments average about 21%, according to the report.

OKX said its dataset captures most daily spending activity within its coverage window. The company shared the figures as the latest available transaction data for the OKX Card in Europe.

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