Opinion
|4 min ReadHow Pepe Learned to Spend His Crypto Like a King
Maya Chen
Senior Analyst
Published
Jan 16, 2026
From coins to cola
Pepe made it. Bags full, wallet fat. After years of clicking, farming, memeing — boom — he had life-changing money. But what now? You can’t just stare at numbers on-chain forever. A frog’s gotta live a little.
So Pepe began searching: “How do I actually spend crypto?”
He didn’t want cards with KYC. Freedom first. He scrolled through threads, found lists, memes, and finally stumbled on a tier list by
— the internet’s go-to wizard for KYC-less cards.Leo’s list ranked cards like a game: S, A, B, C tiers — all promising the same thing. Freedom, yield, cashback, and that sweet no-KYC flow.
The alpha tier: frog-approved
Pepe’s eyes went wide at the “Tier α” section. That’s where the good stuff lived.
Each one was built for a degen with taste. No banks, no forms, just swipe and smile. Pepe bookmarked them all.
Then came the “Tier β” crowd — good backup picks like BleapApp, Cypher_HQ_, MetaMask, Bybit_Official, and TrusteeGlobal. Each offered a mix of cashback, travel perks, and Apple/Google Pay.
Not bad, Pepe thought. Not bad at all.
The spending spree
When his frog heart finally said “enough yield, more fries,” Pepe cashed out a little.
He treated his friends and family — burgers stacked high, cola fizzing, nuggets, fries, ketchup spills, loud laughs. The table looked like a meme come true. “We made it, boys,” he croaked. “On-chain money, off-chain joy.”
He paid the bill with ether_fi for yield on the backend, and gnosispay for clean travel spend. No KYC, no drama, just instant flex.
That was the whole point: Pepe happy → family happy.
When the night wound down, he looked around — full stomachs, full hearts — and thought, “Yeah, this is exactly why.”
The moral of the meme
You don’t need to sell your soul for a shiny card. You just need the right tools. Spend from your wallet, stay self-custodial, earn a little back, and enjoy the moment.
Because at the end of the day, it’s not about charts or APY. It’s about burgers, friends, and that rare feeling when your digital grind becomes something real.
Pepe did it. You can too.
Disclaimer: This document is intended for informational and entertainment purposes only. The views expressed in this document are not, and should not be taken as, investment advice or recommendations. Recipients should do their own due diligence, taking into account their specific financial circumstances, investment objectives and risk tolerance, which are not considered here, before investing. This document is not an offer, or the solicitation of an offer, to buy or sell any of the assets mentioned.