CobWeb Pay is transforming the way Australians use cryptocurrency for everyday spending. Whether you are buying groceries, grabbing a morning coffee, or travelling overseas, CobWeb Pay bridges digital assets with real world spending both simply and securely.

Below are five commonly asked questions about CobWeb Pay that explains how it works, and why so many people are choosing to add a crypto-linked card to their wallet.

1. What is CobWeb Pay?

CobWeb Pay is a crypto friendly payment app that lets you store major cryptocurrencies, convert them to fiat currency such as Australian dollars and then spend them with the CobWeb Pay Mastercard®. Supported assets include Bitcoin, Ether, Tether (USDT), and Australian dollars. The platform is available via mobile app on both the Apple App Store and Google Play.

In short, it’s designed to make crypto less complicated and more practical. We built this product with the goal to simplify crypto use by combining it with a familiar, card based payment experience that mirrors traditional banking, making digital assets easier and more accessible for everyday Australians.

2. How does it work?

If you’ve ever used a prepaid or debit-style card, the experience of using CobWeb Pay will feel familiar, even though it works a little differently behind the scenes.

Crypto‑linked prepaid card payments, such as CobWeb Pay, work by acting as a real‑time bridge between a user’s digital assets and the traditional payments network that we already use with our credit and debit cards.

When you make a purchase, your chosen cryptocurrency is instantly converted into Australian dollars, and the payment is processed like any other card transaction.

The best part? It takes seconds. That means you can spend your digital assets as easily as cash, whether you’re shopping online or tapping in-store, without the delays that crypto users once faced.

3. Where is it accepted?

CobWeb Pay works anywhere Mastercard is accepted, both in Australia and around the world, whether you are buying groceries from your local supermarket or enjoying gelato in Italy.

Its integration with Apple Pay and Google Pay enables you to can tap your phone and pay just like you normally would, which is especially handy when travelling

4. What offers are available with CobWeb Pay card Rewards?

The CobWeb Pay card offers some of the most generous rewards* in the Australian crypto payments market, including:

• 4% cashback on all purchases.

• 100% cashback on subscriptions, such as streaming services.

• 10% cashback on utility bills, helping offset everyday expenses.

• Up to $75 cashback per month depending on usage and reward availability.

It’s simple, the more you use your card, the more you can earn back. These rewards make CobWeb Pay a compelling option for users who want tangible, ongoing value from spending their converted crypto.

5. What is the referral program?

CobWeb Pay also rewards you for spreading the word. When you refer someone to the platform, you can earn: $10 in USDT for every new user who signs up using your code, verifies their ID and completes a trade.

• An extra $100 in USDT once you reach 25 verified users stacked on top of existing referral rewards.

There is no cap on referral earnings, meaning the program can become a steady source of crypto rewards, especially if you have a strong networks or crypto curious friends. It’s also a great way to encourage wider adoption of a platform you already use.

Want to know more, or are you ready to get your CobWeb Pay card? Visit the website and download the CobWeb Pay app on your device today.

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CobWeb Pay is the registered business name under which CloudTechX Pty Ltd (ABN: 34 659 353 796) operates its trading and exchange solution.The CobWeb Pay Card is a prepaid Mastercard issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 pursuant to license by Mastercard. CloudTechX is an authorised representative of EML Payment Solutions Limited (CAR No 001317566). This material is general information only and does not consider your objectives, financial situations or needs.We recommend you consider the Product Disclosure Statement , Target Market Determination and Financial Services Guide on our website before making any decision to acquire the product.