The Muse Wallet requires a card on file to be topped up.
We are working to enable alternate payment methods for the Muse Wallet.
It isn't possible to apply the Muse Wallet balance towards larger purchases.
In order to use your MuseWallet for larger purchases, you must have a card on file by adding it to your account, at https://account.musehub.com.
We are working to enable applying Muse Wallet balance towards any purchase without this requirement.