Crypto holders, how do you actually spend your coins online?

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Hi everyone,

Something I've been thinking about a lot lately.

A lot of people hold BTC, ETH, or other coins, but when it comes to actually spending it on everyday stuff - subscriptions, online shopping, ad accounts - it still feels like a whole process. Convert to fiat first, deal with P2P rates, then move it to a card or bank account before you can actually use it.

I've been using Paidley (paidley .co) for a while now - it lets you fund a virtual card directly with crypto, and the card works on regular websites like any other Visa/Mastercard would. No separate off-ramp step, no P2P detour, just fund and spend.

So I wanted to ask the community:

• Do you actually spend your crypto day-to-day, or mostly just hold it?
• Have you tried crypto-funded virtual cards before?
• Are they reliable for subscriptions or online shopping, in your experience?

Curious to hear real experiences from people here - good or bad.