Credit cards represent a unique intersection between traditional banking and internet technology. They combine the custodianship of banks with the security mechanisms of the digital world.

When a credit card is used online, it invokes a layered security process—requiring both the physical card and often additional authentication, such as a CVV code or 3D Secure, which mirrors the principles of 2FA and authenticator apps.

This fusion exemplifies how self-custody has evolved to adapt to the needs of the digital age, bringing together the security practices of the banking world with the technological advancements of the internet. Credit cards symbolize a hybrid form of custodianship, where the responsibility for security is shared between the individual, the bank, and the technology that facilitates the transaction.