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DEGEN Visa对Meme币购买政策的调整：行业格局将如何重塑？
据报道，Visa正着手阻止支付处理商将Meme币（模因币）购买归类为“数字媒体”交易。这一举措关闭了一条此前允许部分信用卡用户在购买加密货币时赚取普通积分或现金回馈的通道。
Crypto in America于周五报道，Visa已通知行业参与者，涵盖数字商品和媒体的商户类别代码（MCC）5815不再适用于Meme币购买。据悉，支付处理商已被给予一段宽限期以调整交易处理方式，该期限预计将于下周结束。
这一变化直接影响由加密货币支付公司Crossmint运营、并被Fomo和Robinhood Wallet使用的结账系统。这些交易通过包括Checkout.com在内的基础设施进行处理。
此前有报道称，部分由Crossmint支持的购买在银行卡账单上显示为MCC 5815，而非通常与加密货币相关的商户类别。尽管收到Visa的相关指示，Crossmint的结账服务在Fomo和Robinhood Wallet上仍保持可用。随着宽限期即将结束，当前的紧迫问题不再是这些产品能否继续运营，而是当处理商必须将这些交易视为加密货币购买时，它们将被如何分类。
为何商户代码5815至关重要？
商户类别代码（MCC）决定了卡组织和发卡银行如何识别交易。MCC 5815通常与电子交付的产品相关联，如电子书、电影、音乐和其他媒体。相比之下，加密货币交易的对待方式有所不同。
根据Visa的规定，直接的加密货币交易必须使用与加密货币相关的商户类别，并附加额外的标识符以表明该交易涉及数字资产。这种区分对持卡人产生了直接的经济后果。作为普通数字媒体处理的购买可能会获得标准的信用卡奖励，而加密货币及其他类似现金的交易通常被排除在奖励计划之外。
Chase银行此前曾挑战至少一笔交易的待遇，认为该购买被分配了不恰当的类别，不应获得奖励。该银行已将此事提交给Visa。纽约州总检察长办公室也表示，他们已知悉该产品，并正在审查相关问题。
Crossmint为其做法进行了辩护。该公司发言人表示：“Crossmint在Visa、Mastercard以及所有支付和卡网络合作伙伴处均保持良好的信誉。”发言人补充道，其处理数字商品的程序并未改变，如果相关指导发生变化，公司将更新这些程序。
投资者的启示
The core of the issue is not whether users can use credit cards to purchase Meme coins, but how these purchases are transferred through the payment system. Reclassifying it as a cryptocurrency transaction could eliminate ordinary card rewards and introduce restrictions, fees and compliance controls typically attached to digital asset purchases.
Does this mean Visa is withdrawing from the crypto space?
The action is reportedly more like an enforcement of payment network classification rules than a retreat from digital assets. In fact, Visa has been expanding its encryption infrastructure in other ways.
This year, the company launched a stablecoin platform for banks and fintech companies, and card activity associated with cryptocurrencies has also grown rapidly. Consumption through Visa backed cryptocurrency cards will increase significantly in 2025 as more wallets and fintech platforms connect digital asset balances to traditional card networks.
The Meme coin controversy shows that deeper crypto integration has brought greater scrutiny of exactly what types of transactions are handled. A token may be described as a collectible for legal purposes, but this does not necessarily determine how card organizations classify its purchase. This distinction becomes particularly relevant because Crossmint's checkout service supports tokens that transcend obvious Internet meme assets. GENIUS (on-site tokens on an unmanaged trading platform) and DEGEN subsequently became unavailable in Apple Pay checkout due to questions about whether the tokens met product eligibility standards.
Will Mastercard follow Visa's footsteps?
Mastercard尚未公开披露是否会向处理商发出类似的指示。这意味着两大卡组织可能在短期内以不同方式处理同类型的加密货币购买。然而，对于Crossmint和其他加密法币出入金提供商而言，Visa的报告决定确立了一个重要的先例。
信用卡资助的代币购买日益处于加密监管、卡网络规则、银行奖励计划和支付合规的交汇点。如果宽限期如预期在下周结束，最明显的即时变化将在结账和银行卡账单上显现：通过受影响的Visa渠道处理的Meme币购买将被视为加密货币交易，而非普通数字媒体。
更大的问题是Mastercard是否会采取相同的做法。如果是这样，目前通过信用卡购买Meme币并同时获取普通奖励的最便捷途径之一，可能会在两大主要卡网络上消失。
