Bitbank has launched the EPOS Crypto Card in partnership with Marui Group’s EPOS Card, creating a Visa-branded credit card that lets users settle monthly bills directly with Bitcoin held on the Bitbank exchange. Introduced on April 27, 2026, the product links custodial exchange balances to traditional payment rails, removing a manual crypto-to-fiat conversion step from the consumer payment workflow.
The card matters because it embeds Bitcoin settlement into familiar credit-card infrastructure. For exchanges, issuers, treasuries and accounting teams, the model shifts operational pressure toward custody, conversion, reconciliation and tax-reporting systems inside Japan’s regulated digital-asset framework.
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Bitcoin Becomes a Credit-Card Repayment Rail
The EPOS Crypto Card uses a layered settlement structure. Card transactions continue to route through the Visa network, while the monthly repayment can be debited from a user’s Bitbank account in Bitcoin at billing time.
Users can choose automatic settlement or retain manual conversion controls. They can also set limits on how much Bitcoin is used for repayment, giving cardholders a way to manage exposure and avoid unintended liquidation of their exchange balance.
The product carries no annual fee and offers 0.5% cashback on monthly spending. Rewards are credited to Bitbank accounts in Bitcoin, Ethereum or Aster, extending the card’s crypto integration beyond repayment alone.
Bitbank and EPOS Card positioned the product as Japan’s first credit card to link repayment directly to a crypto exchange balance. That positioning is significant because the card operates inside an established regulatory perimeter, where exchanges are supervised and crypto assets are treated as financial products.
Billing Cycles Create New Operational Pressure
The card changes the timing of crypto settlement. Instead of each retail purchase requiring immediate crypto movement, billing cycles become concentrated settlement windows. Exchanges must be ready to convert or transfer crypto against fiat obligations at predictable but potentially high-volume moments.
That creates new requirements around availability, custody throughput and fiat-rail liquidity. Peak conversion latency, transaction batching and reconciliation accuracy will determine whether the model can scale without operational strain.
Tax treatment is another critical issue. Each Bitcoin settlement of a credit-card bill is treated as a crypto disposition under Japanese rules, creating a taxable event at the time of repayment. For users, treasuries and accounting teams, cost-basis tracking becomes a core control requirement.
Volatility also complicates liquidity planning. The amount of Bitcoin needed to satisfy a fiat-denominated bill can move between spending and settlement, creating shortfall risk or unexpected liquidation pressure. Sophisticated users may need explicit allocation strategies, automated conversion limits or hedging controls inside their Bitbank accounts.
The EPOS Crypto Card lowers friction for retail crypto adoption by making Bitcoin usable within a mainstream payments framework. Its broader impact will depend on whether Bitbank and EPOS can maintain reliable settlement controls, tax-ready audit trails and sufficient capacity around monthly billing cycles.