Card to the Future

Closed. The card stopped working on Jul-29, 2026 after its issuer Kulipa wound down; Ready says it is rebuilding on new infrastructure and has named no new issuer or date.9,13,14

Illustration in the plan's colour, not the issuer's artwork

Ready Card

MastercardSelf-custodyKYC fulldebit

Ready (formerly Argent) is a London-based self-custody wallet on Starknet whose Mastercard debit card spent USDC straight from the user's wallet. The card stopped working on Jul-29, 2026 after its issuer Kulipa wound down, and Ready has not named a replacement.

Get cardCompare

No partnership: we earn nothing from this card. Checked .

11Card Score, #34 of 36
$60You keep a year
F36Trust points of 100
100%Key fields with a source

Plans side by side

Lite
Metal
Price
Monthly priceFree11,13Not confirmed by the issuer—Sold as 120 USDC for the first year paid upfront; one review quotes $10 a month
Yearly priceFree11,13Not confirmed by the issuer$12012,13,16Paid in USDC upfront for the first year; Spendnode and CryptoCardHub say no automatic renewalNot confirmed by the issuer
Virtual card feeFree11,13Instant after KYCNot confirmed by the issuerFree16Not confirmed by the issuer
Physical card fee$6.9911,13One-time shipping for the orange plastic card; a review rounds it to $7Not confirmed by the issuerFree16Metal card shipping is free per a reviewNot confirmed by the issuer
Shipping$6.9911,13Not confirmed by the issuerFree16Not confirmed by the issuer
Staking needed011,16No stake neededNot confirmed by the issuer011,16No stake neededNot confirmed by the issuer
Rewards
Cashback0%13,16Ready Rewards points paid nothing on Lite card spend from May-01, 2026; before that 0.5% in STRK per SpendnodeNot confirmed by the issuer3%13,163 Ready Points per $1 from May-01, 2026; a review says the full rate needs a boost (2 referrals or top-100 monthly card use) and 1% is closer without it. Before May-01, 2026: 3% in STRKNot confirmed by the issuer
Paid inReady Rewards points (STRK before May-01, 2026)13,16,11Not confirmed by the issuerReady Rewards points (STRK before May-01, 2026)13,16,12Not confirmed by the issuer
No cashback ongambling, ATM withdrawals, money transfers, financial services11Not confirmed by the issuer—Not published
VestingPaid by the 15th of the following month11For the STRK cashback before May-01, 2026Not confirmed by the issuerPoints redeemed to refund card purchases16Not confirmed by the issuer
PointsReady Rewards, from May-01, 2026; points refund card transactions13,16Not confirmed by the issuerReady Rewards, from May-01, 2026; points refund card transactions13,16Not confirmed by the issuer
Perks—Not published16g metal Mastercard in gold or silver, Ready Travel hotel rates12,16Not confirmed by the issuer
Fees
FX fee1%11,13,16Not confirmed by the issuer0%12,13,16Not confirmed by the issuer
Crypto conversion fee0%11,13,16Conversion spread 0%Not confirmed by the issuer0%11,13,16Conversion spread 0%Not confirmed by the issuer
Top-up fee0%11,13Network gas covered by Ready on Starknet per SpendnodeNot confirmed by the issuer0%11,13Network gas covered by Ready on Starknet per SpendnodeNot confirmed by the issuer
Free ATM a month$20011Spendnode only; a review says no free ATM withdrawalsNot confirmed by the issuer$80012,13Not confirmed by the issuer
ATM fee2%11,13,16Minimum $1Not confirmed by the issuer2%12,13,16Minimum $1, above the free allowanceNot confirmed by the issuer
Inactivity feeFree16Not confirmed by the issuerFree16Not confirmed by the issuer
Limits
Limit per payment$5,00011,13Not confirmed by the issuer$5,00011,13Not confirmed by the issuer
Spend limit a day$10,00011,13,16Not confirmed by the issuer$10,00011,13,16Not confirmed by the issuer
Spend limit a month$30,00011,13Rolling 30 daysNot confirmed by the issuer$30,00011,13Rolling 30 daysNot confirmed by the issuer
ATM limit a day$50011,13,16Not confirmed by the issuer$50011,13,16Not confirmed by the issuer
ATM limit a month$2,50011,13Not confirmed by the issuer$2,50011,13Not confirmed by the issuer

What you keep

Rewards you can spend$360 paid in points, counted at 50%+$180
Subscription−$120
Net a year, Metal plan$60

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator5 of 25

Ready has no licence of its own; the card came from Kulipa, which reports describe as an agent of an e-money institution and which wound down in July 2026. No licence number or regulator was published.7,17,10

Custody and fund protection15 of 20

USDC stayed in the user's own Starknet wallet and the card drew on it at purchase; a Ready co-signer is part of the wallet, but Ready says it cannot move funds alone.6,10,11

Incidents in the last 24 months2 of 20

The card was cut for non-EEA users with one hour's notice on Jun-16, 2026 and stopped for everyone on Jul-29, 2026 when the issuer wound down without notice.6,7,9,14

Track record and verified volume5 of 15

Live since Nov 2024 with $61.68M all-time spend per Paymentscan, but volume fell to $988K in Jul 2026 and $0 since August.5

Published fees and terms4 of 10

Ready's own pages show no card terms today and never named the issuer; fees and limits survive only in third-party reviews.1,2,9

Support and user sentiment5 of 10

A review rated support replies fast and competent, but Trustpilot shows 2.3 out of 5 from 10 reviews with complaints about slow help and frozen funds.15,16

Company

Legal entityArgent Labs Limited4Seller named on the App Store page
HeadquartersUnited Kingdom3Footer says HQ London
Founded201710Per Spendnode, as Argent; rebranded to Ready in late 2025
Websiteready.co1

Issuer and licence

Card issuerKulipa10,13,7Named by press and reviews, not by an issuer page we could open; Paymentscan lists Kulipa as the issuer. Wound down Jul-2026; Ready has not named a new one
Program managerReady4Wallet and card brand operated by Argent Labs Limited
LicencesKulipa described as a regulated e-money institution (one report) or as an agent of an EMI (another report)7,17Sources disagree; the second is a search summary only. No licence number found
NetworkMastercard11,5
Card levelMastercard Debit Standard16

The card

Statusclosed9,13,14The card stopped working on Jul-29, 2026 after its issuer Kulipa wound down; Ready says it is rebuilding on new infrastructure and has named no new issuer or date.
Launched2024-115Per Paymentscan; a review says Mar-2025
Typedebit11,16
FormsVirtualPhysicalMetal11,12Virtual and orange plastic on Lite, metal on Metal
Custodyself-custody6,10
How custody worksUSDC stayed in the user's Starknet smart-contract wallet and the card drew on it at purchase; the wallet uses a Ready co-signer, but Ready says it cannot move funds alone6,10,11
KYCfull11,16
Settles inUSD16
Card currenciesUSD16Card denominated in USD

Funding

Crypto acceptedUSDC11,12,6Card spent USDC only; a review lists more assets for the wallet
ChainsStarknet5,11
Fiat top-upbank depositRampBanxa11
Deposit fees0%11,13
Spends fromUSDC balance in the user's own wallet, checked at purchase6

Payments

Apple Pay11,16
Google Pay11
3-D Secure16
Contactless11

Where it works

RegionsEurope (EEA)United Kingdom9,10,13Plus Andorra, Monaco, San Marino, Gibraltar, Guernsey, Jersey, Isle of Man per CryptoCardHub. Non-EEA users lost the card Jun-16, 2026
United States16
United Kingdom9,13Was available until the Jul-29, 2026 shutdown
EEA9,13Was available until the Jul-29, 2026 shutdown

Account

Local accountsUSD account in the user's name16Review says third-party deposits are not accepted
Crypto loansNo5

Security

Freeze card11
Biometrics11

App

App Store rating4.54
App Store ratings2,3004About 2.3K ratings
App StoreOpen in App Store4
LanguagesEnglishPortugueseSpanish4
Supportin-app chatemail16

Reputation

Trustpilot2.315
Trustpilot reviews1015
Common complaintsCard frozen or funds stuck after a regulation notice, Metal card not delivered, Cashback cut from 3% to about 1% and moved to points, No Apple Pay15
Common praiseLow conversion fees, Fast support replies in a test15,16

Adoption

On-chain spend, all time$61,680,0005Spends only; 494,061 transactions and 13,562 addresses
On-chain spend, last monthFree5Oct-2026; last active month was Jul-2026 at $988K

Referrals

User referralsReferral bonus exists; boosts points on Metal for two referred friends16

Incidents and changes

Jul 2026The card stopped working on Jul-29, 2026 when issuer Kulipa wound down without notice; new orders closed and eligible subscriptions are being refunded.9,13,14shutdown
Jun 2026On Jun-16, 2026 Ready deactivated the card for users outside the EEA with about one hour's notice after its issuer arrangements changed.6,7,8regulatory
May 2026From May-01, 2026 direct STRK cashback was replaced by Ready Rewards points.13,16fee change

Regional differences

outside EEAproduct.status: closed6,7

More details

Relaunch planReady says the new Ready runs on Base and Community Cards are launching soon; no issuer, fees or date published as of Nov-05, 20262,3
Issuer regulatory contextReports say Kulipa served Ready as an agent of an EMI and that Lithuania's central bank ordered that EMI (Monavate) to stop serving it; not confirmed by Ready or Kulipa17
Subscription refundsMetal subscribers get automatic refunds of unused fees, expected within 10 business days7,9
Cashback funding (before May-01, 2026)STRK cashback was funded by the Starknet Foundation and reviewed quarterly, per Spendnode11,12

Quick answers

What does the Ready Card cost?

The Lite plan: Free a month, $6.99 for a physical card.

How much cashback does the Ready Card pay?

0% on the Lite plan, paid in Ready Rewards points (STRK before May-01, 2026).

What is the Ready Card FX fee?

1% on the Lite plan.

Is the Ready Card custodial?

Self-custody. USDC stayed in the user's Starknet smart-contract wallet and the card drew on it at purchase; the wallet uses a Ready co-signer, but Ready says it cannot move funds alone

Is the Ready Card available in the US, the UK and the EEA?

US: no. UK: no. EEA: no.

How much do you keep with the Ready Card?

$60 a year on the Metal plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Ready card page (no card details shown), issuer, Nov-05, 2026
  2. Introducing Community Finance (Aug-06, 2026), issuer, Nov-05, 2026
  3. Ready blog index (Method community launch Nov-03, 2026; HQ London), issuer, Nov-05, 2026
  4. Ready: Community Finance on the App Store, app store, Nov-05, 2026
  5. Ready Card on Paymentscan, paymentscan, Nov-05, 2026
  6. Ready USDC card halts non-EEA service after issuer change (Jun-17, 2026), press, Nov-05, 2026
  7. Ready Card halts service outside EEA, one hour notice (Jun-16, 2026), press, Nov-05, 2026
  8. Non-EEA users lose access to Ready stablecoin card (Jun-17, 2026), press, Nov-05, 2026
  9. Ready Card stops as its issuer winds down (July 2026), other, Nov-05, 2026
  10. Spendnode Ready review (updated Jul-30, 2026), other, Nov-05, 2026
  11. Spendnode Ready Lite card review, other, Nov-05, 2026
  12. Spendnode Ready Metal card review, other, Nov-05, 2026
  13. CryptoCardHub Ready Card (legacy terms, shutdown), other, Nov-05, 2026
  14. Sweepbase: what happened to the Solflare and Ready cards, other, Nov-05, 2026
  15. Ready reviews on Trustpilot, trustpilot, Nov-05, 2026
  16. Ready Card review, Last Updated Jun-17, 2026, review, Nov-05, 2026
  17. European crypto card issuers face regulatory crackdown (search summary only), other, Nov-05, 2026

Something wrong or out of date? Report it with a source.