2026-06-13 · tangem
Tangem published a June 8 guide explaining how users can make everyday crypto payments without routing funds through an exchange. The article centers on self-custody, a small funded spending balance, and keeping main holdings separate from payment activity. That separation is the same operating model cold storage advocates for: use limited hot balances for activity, while long-term reserves remain isolated.
Tangem described a payment flow where users fund a Tangem Pay virtual Visa card with USDC from a self-custody wallet. The post says the main Tangem Wallet remains separate from the card balance and that private keys do not interact with the card payment system.
If a payment account or active wallet is compromised, any funds connected to that account can be at risk. The danger grows when users keep savings and spending funds in the same hot environment or custodial platform.
Cold storage limits exposure by holding long-term assets in a separate hardware-backed environment. A small spending balance can be replaced, but isolated reserves and backup cards preserve the core asset base when an active payment channel fails.
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