A simple Telegram bot is processing $20 million monthly by making crypto cards actually simple
Most crypto cards feel like solving a Rubik’s Cube at checkout. BFinance built one that works like texting a friend — and it’s processing $20 million a month doing exactly that.
Instead of bloated apps, mandatory staking, and weeks of verification, BFinance lives inside Telegram. Text a bot, get a virtual Visa card in minutes, load it with 50+ cryptocurrencies, and spend anywhere Visa is accepted. No friction. No hidden fees. Just crypto that actually works in the real world.
“Yeah, it’s real. Crypto cards people actually use.”
Their tagline is a not-so-subtle dig at competitors whose cards collect digital dust in wallets. And the numbers back it up — $20 million in transactions every month, all from inside a messaging app.
“Crypto is money — so it should spend like money. We made that happen,” says CEO Knyaz Yussupov, explaining how the platform transforms digital assets into everyday spending power.
The $4 Trillion Opportunity
The cryptocurrency market has exploded to over $4 trillion, with Bitcoin commanding $2.36 trillion and Ethereum holding $435 billion. Sure, 659 million crypto holders worldwide can cash out through exchanges. But as crypto goes mainstream — appearing in ETFs, retirement accounts, and institutional portfolios — spending it directly for daily purchases is the inevitable next step.
Yet for most, that wealth sits siloed from the real economy, invisible at the checkout counter.
BFinance saw this as an opportunity to bridge the gap — to connect digital assets seamlessly to the way people already shop, travel, and pay.
The Maria Moment
When Maria tapped her phone to buy coffee in downtown Prague, the barista barely looked up as the payment cleared in seconds. Just last year, she’d tried to use a crypto card abroad and ended up embarrassed, digging for cash when the payment failed.
This time was different. Her Apple Pay activated the virtual Visa card she’d created minutes earlier by texting the @bfinancebot. Behind the scenes: Marqeta issued the card, BFinance converted her Bitcoin to euros, Visa carried the payment, and Stripe processed it for the merchant — all in seconds.
“Every transaction, like Maria’s coffee, is a small victory. It’s the moment abstract digital wealth becomes real-world utility without the user ever feeling the underlying complexity,” – says Yanush Khodorovskiy, Chief Visionary Officer at BFinance.
The Telegram Advantage
BFinance’s genius lies in understanding how people actually behave. Instead of forcing users to learn a new app, they built inside the messaging platform that 1 billion people already use daily. The @bfinancebot handles everything — card issuance, balance management, transaction tracking.
Their model eliminates every friction point that killed previous crypto card attempts:
- Instant issuance: Cards generated in minutes, not weeks
- Universal compatibility: Apple Pay, Google Pay, Samsung Pay
- Transparent pricing: $10 to issue, 2% top-up fee, $0.50 per transaction — no hidden costs
- True multi-currency: 50+ supported cryptocurrencies without forced conversions
- Zero KYC friction: Start spending immediately while compliance runs in the background
The platform handles payments for flights, mobile top-ups, accommodation, bills, and eSIMs — becoming a full financial super-app inside Telegram.
“Our technical philosophy was ‘invisible infrastructure.’ Instead of building another walled-garden app, we leveraged the messaging platform users already live on. The complexity of blockchain settlement, currency conversion, and card issuance happens instantly in the background. The user only experiences the simplicity of texting a friend”, – shares BFinance CTO Daniil Bart.
The Numbers That Prove It
$20 million in monthly volume isn’t just impressive — it’s proof that simplicity wins. While other crypto card giants spend hundreds of millions building complex platforms, BFinance delivers frictionless access to digital wealth.
Compare:
Coinbase Card: Full account required, limited crypto support, complex fees
Crypto.com Card: Mandatory staking, lengthy verification, feature bloat
Traditional fintech: Weeks of KYC, geographic restrictions, limited crypto integration
BFinance: One Telegram chat. 50+ cryptocurrencies. Global spending. And Maria’s coffee, bought without a second thought.
Embedded Finance, Telegram Style
BFinance’s rise is part of a larger shift: embedded payments are eating the world. McKinsey projects embedded finance will handle $7.2 trillion in annual transactions by 2030, and crypto cards are the fastest-growing segment.
By building inside Telegram, BFinance avoids the app store battle and meets users where their financial conversations already happen. Flights booked, bills paid, money transferred — without leaving the chat.
Recent expansion into eSIMs, providing airport lounges access and global transfers shows the vision is bigger than cards. BFinance is building infrastructure for how digital natives want to manage money: fast, simple, and integrated into daily communication.
Built on the Rails That Already Work
The real opportunity isn’t replacing financial infrastructure — it’s connecting crypto to the rails that already work. Visa processes 150 billion transactions annually. Mastercard reaches 100 million merchants. Stripe moves hundreds of billions in payments.
BFinance becomes the universal translator — converting crypto into the language Visa and Mastercard already speak, then sending it anywhere in the world those networks reach.
The Future Is Already Here
As crypto moves into ETFs, retirement accounts, and institutional portfolios, the infrastructure for spending it must evolve. BFinance is that evolution — invisible, instant, and integrated into how people already transact.
The $20 million monthly volume proves it: when crypto cards work the way users expect, adoption explodes.
In fintech’s infrastructure boom, the biggest wins will go to companies that solve real problems with elegant simplicity. BFinance built one of those solutions.
Ready to spend crypto like cash? Start @bfinancebot on Telegram and get your virtual card instantly.
