Rezolve AI wants to change how we use cryptocurrency in everyday life. Instead of making people convert their crypto, like Bitcoin or Tether (USDT), into regular money (fiat currency) before spending it, the company is offering a way to skip that step entirely.

Daniel Wagner, CEO of Rezolve AI, thinks using crypto cards from Visa or Mastercard misses the whole point of cryptocurrency. “It’s ridiculous,” he says. “These cards just convert crypto into fiat at checkout, so you’re not really using crypto — you’re using the old banking system in disguise.”

For a while now, big names in fintech like PayPal, Venmo, Stripe, Revolut, and Nubank have teamed up with crypto companies to let people spend digital assets using debit or credit cards. But the truth is, every time you make a purchase with one of these “crypto cards,” your coins are turned into dollars or euros behind the scenes. Wagner says this defeats the purpose of blockchain technology and true digital currency.

Despite his criticism, Wagner knows it’s hard to avoid card payments today. Most stores, like Starbucks or Dunkin Donuts, don’t accept crypto directly. So crypto platforms issue physical cards to stay competitive with traditional banks.

Rezolve AI is offering a different path. The company has partnered with Tether, the biggest stablecoin issuer in the world, to make paying with crypto simpler and more direct. Their solution is Brain Checkout — a platform that lets users pay online directly with crypto, without converting it into fiat first.

Here’s how it works: users pay with Tether (USDT) or Bitcoin from their wallets. Merchants still get paid in fiat currency because Rezolve AI handles the conversion on the backend — and they don’t charge merchants any fees for it. This makes it easy for businesses to accept crypto without changing their systems.

Wagner believes crypto should be used like real money, not just as an investment. “People trade crypto like stocks,” he says, “but they don’t use it to buy a coffee.”

Rezolve AI is already seeing traction. In just over five months, its technology has reached 44 million consumer devices. Big brands like Dunkin Donuts, Ace Hardware, and Crate and Barrel are already on board, giving their customers more ways to pay online using digital currencies.

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