Exchange Ranking
Top Exchanges
24h Volume Ranking
Popularity Ranking
Exchange BTC Balance
Proof of Reserves
Decentralized Exchanges
Funding Rate
Funding Heatmap
Liquidation Data
Max Pain
Long/Short Ratio
Whale L/S Ratio
Binance/Okex/Huobi L/S
Bitfinex Margin L/S
ETF Tracker
Solana ETF
XRP ETF
Hong Kong ETF
Bitcoin Treasuries
Crypto Reversal
Ethereum Reserves
HyperLiquid Wallet Analysis
Hyperliquid Whale Watch
Large Transactions
On-chain Movement
Bitcoin ROI
Stablecoin Market Cap
Options Analysis
News
Articles
Economic Calendar
Features
Wallet
Contract Calculator
Security
Collections
Watchlist
Following
WIF Visa will block a loophole in which points can be earned by purchasing memecoin through credit cards
The Visa Network announced that it will end a loophole in a rule that allows certain memecoin to be paid through credit cards to generate loyalty points. The network has asked its payment processors to stop using relevant merchant codes starting next week. After that, users can still make such purchases through credit cards, but will not be able to earn corresponding reward points.
Summary of Core Points
Previously, some memin purchases were classified as "digital goods", triggering the points reward mechanism.
Citibank (Chase) was the first to report the anomaly to Visa, and the New York District Attorney's Office is also investigating the case.
The credit card purchase feature will continue to be retained, but there will be no points or cash back benefits.
Merchant code causes rules to be circumvented
The root cause of the problem lies in a four-digit merchant code: 5815. The code is often used for transactions of digital content such as books and movies. According to relevant documents reviewed by Crypto in America, Visa has asked payment processors to no longer use the code for memin transaction processing.
A previous investigation released by The Block on September 1 revealed that some purchases of Dogwifhat (WIF) tokens were treated as digital goods. As a result, these transactions accidentally triggered reward programs typically associated with digital goods purchases.
The Block 在测试中，通过 Apple Pay 和 Google Pay 在 Fomo 和 Robinhood Wallet 平台上购买了 WIF，使用的是一张来自纽约地区的 Visa 或 Mastercard 信用卡。提供此类交易基础设施的公司 Crossmint 也卷入了这一过程。
然而，Visa 的规则中已有专门针对直接加密货币购买的类别，包括代码 6012 和 6051，并配有特定的标识符。通过错误分类，交易得以绕过原本适用于加密货币的标准处理方式。
花旗银行向 Visa 报告问题
花旗银行是首批注意到这一异常情况的金融机构之一。该行向 The Block 确认，有一笔交易未被识别为加密货币购买，因此不应产生奖励积分。
Crossmint 为其做法进行了辩护。该公司认为部分涉及的代币属于“收藏品”范畴，主要依据是美国证券交易委员会（SEC）工作人员在 2025 年发布的一份关于某些模因币的声明。“我们支持的每一个产品都会与相关合作伙伴进行详细审查，包括交易分类，”一位发言人表示。
此次收紧措施发生在参议院未能通过《CLARITY 法案》三天之后，该法案的失败使银行在稳定币方面感到失望。据《Crypto in America》报道，在信用卡领域，摩根大通（JPMorgan）占据了更有利的地位。
此案也引起了纽约当局的关注。纽约州总检察长莱蒂蒂亚·詹姆斯（Letitia James）办公室向 The Block 表示，他们正在审查相关情况。
模因币仍可通过信用卡购买
Visa 的决定并不意味着通过信用卡购买模因币的终结。用户仍可使用这种支付方式，但交易现在必须被正确识别为与加密货币相关的购买。
对于像 Fomo 这样的平台以及协助进行此类支付的服务商来说，积分奖励的取消可能会降低该产品对新手用户的吸引力。Crossmint 今年四月曾表示，凭借其 Apple Pay 按钮功能，它成功吸引了 68,000 名首次买家；而 Fomo 在今年六月筹集了 7,500 万美元，估值达到 5.5 亿美元。
目前，Visa 是唯一一家宣布针对此漏洞采取具体措施的网络。万事达卡（Mastercard）尚未宣布类似的变更。该案件的后续发展将很大程度上取决于纽约方面的审查结果。
归根结底，信用卡仍将是进入模因币市场的一个入口。消失的主要是将投机性购买转化为额外忠诚度积分的可能性。
