Laso vs. crypto gift card sites (Bitrefill, Coinsbee, BitPay)
Last reviewed: August 2026
For closed-loop gift cards paid with Bitcoin or Lightning, Bitrefill and Coinsbee are excellent and often the right tool. Laso sells gift cards too — 2,000+ brands, $5 to $9,000, fees up to 4.8% with U.S. Amazon cards at 0% — and adds what a gift-card-only site cannot: open-loop prepaid cards that work at any merchant, payouts to Venmo, PayPal, debit cards, and bank accounts, and an x402 API that AI agents can call directly.
Gift card marketplaces were the original way to spend crypto, and the good ones are genuinely good: huge catalogs, fast delivery, minimal sign-up. The structural limitation is that a gift card is closed-loop — it works at exactly one brand. The moment your purchase is at a merchant with no gift card, or split across several, or priced over a card’s cap, you need an open-loop card instead.
Laso covers both sides: a 2,000+ brand gift card catalog and open-loop prepaid cards from the same stablecoin balance, plus payout rails when the goal is sending money rather than spending it.
| Laso Finance | Bitrefill / Coinsbee / BitPay / eGifter | |
|---|---|---|
| Gift card catalog | 2,000+ brands, many countries and currencies, $5–$9,000 per card | Large catalogs (Bitrefill and Coinsbee are especially broad internationally), plus phone refills and eSIMs on some sites |
| Open-loop prepaid cards | Yes — U.S. and international prepaid cards for arbitrary merchants | Mostly no; BitPay offers a U.S. card, which requires an application with identity verification |
| Coins accepted | Stablecoins: USDC, USDT, DAI on Ethereum, Solana, Stellar, Arbitrum, Base, Polygon | Often broader: BTC, Lightning, ETH, stablecoins, and more |
| Account model | Wallet sign-in with a persistent balance you can withdraw at any time | Typically per-order checkout; some offer accounts and balances |
| Payouts (send money out) | Venmo, PayPal, push to debit card (USD/EUR/GBP), and bank payments | No — gift cards and top-ups only |
| Delivery speed | Gift cards delivered in seconds to minutes; prepaid cards in about a minute | Typically fast — minutes for digital delivery |
| Fees | Up to 4.8% per gift card; many at less, U.S. Amazon at 0%; schedule at laso.finance/fees | Varies by product and site: some cards carry markups or spreads, some are discounted |
| AI agent access | Yes — agents search the catalog and order over x402 (SKILL.md) | No official agent APIs |
Bitrefill
Bitrefill is the reference product in this category: a very large catalog of gift cards, mobile refills, and eSIMs, payable with Bitcoin, Lightning, and a wide set of other coins, usually without creating an account. If your crypto is BTC and your need is covered by a gift card or top-up, Bitrefill is a strong default and we would not talk you out of it.
Coinsbee
Coinsbee competes on breadth — thousands of brands across a long list of countries, paid with many cryptocurrencies. As with any marketplace, per-product pricing varies, so it is worth checking the effective rate on the specific card you want rather than assuming a flat fee.
BitPay and eGifter
BitPay approaches from the payments side: merchant checkout, bill pay, gift cards in its app, and a U.S. prepaid card that requires an application with identity verification. eGifter is a mainstream gift card retailer that accepts crypto at checkout for a mostly U.S. catalog. Both are credible; both are anchored to the gift card model for crypto spending unless you go through the card application.
Gift card or prepaid card? A one-question test
Is everything you’re buying at one brand that sells gift cards? Then a gift card is usually the cheaper, simpler instrument — on Laso, a U.S. Amazon gift card even carries no fee. Anything else — an unlisted merchant, a multi-store cart, a subscription, a checkout that needs a card number — wants an open-loop prepaid card, ordered for the exact total so nothing is stranded.
When a gift card site is the better choice
- You are paying with Bitcoin or Lightning — Laso is stablecoin-only.
- You need phone refills or eSIMs, which Laso does not sell.
- You want zero account of any kind and the brand you need is in their catalog.
- A specific brand is discounted there below Laso’s effective rate.
When Laso is the better choice
- The merchant you need has no gift card — an open-loop prepaid card works anywhere online.
- You want gift cards, prepaid cards, and payouts from one balance instead of one-off checkouts.
- You are buying U.S. Amazon gift cards, which Laso sells at 0% fee.
- An AI agent is doing the purchasing — Laso’s catalog is searchable and orderable over the x402 API.
Frequently asked questions
Can I buy Amazon gift cards with USDC?
Yes. Laso sells Amazon gift cards for USDC, USDT, or DAI, with U.S. Amazon cards carrying no fee. Delivery is digital and near-instant, from $5 up to $2,000.
What if the store I want has no gift card?
Use an open-loop prepaid card instead: order it for your exact checkout total and pay like a normal card. This is the main structural gap of gift-card-only sites, and the main reason Laso offers both instruments.
Which sites accept Bitcoin for gift cards?
Bitrefill, Coinsbee, and BitPay all accept Bitcoin (Bitrefill notably over Lightning). Laso does not — it accepts the stablecoins USDC, USDT, and DAI across six chains. If your funds are in BTC and you want to use Laso, you would swap to a stablecoin first.
Can an AI agent buy gift cards?
On Laso, yes: GET /search-gift-cards browses the catalog (with facets for country, currency, and category) and GET /order-gift-card completes the purchase over x402, returning the redemption code to the agent. The mainstream gift card sites have no official agent path.
More comparisons
- Laso vs. exchange crypto cards — Coinbase Card, Crypto.com card, Bybit Card
- Laso vs. self-custody crypto cards — Gnosis Pay, MetaMask Card, Ether.fi Cash, Holyheld
- Laso vs. crypto off-ramps — exchange withdrawals, MoonPay, Transak, Ramp
- Laso vs. virtual card platforms — Privacy.com, Stripe Issuing, Lithic
- Laso vs. ai agent payment platforms — Coinbase x402/CDP, Skyfire, Payman, Locus, Sponge, Ampersend
- Laso vs. money transfer apps — PayPal & Venmo crypto, Wise, Remitly, bank wires
- All comparisons, or compare Laso's own card types
Try it: connect a wallet at laso.finance and you'll have a card, gift card, or payout in minutes.
Building an agent? Point it at laso.finance/SKILL.md — it can set itself up.