Card to the Future

Closing. VaultLeap is closing: no new accounts since Nov-01, 2026, deposits stop Nov-30, 2026, and the card and app close Dec-01, 2026.1,3

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

VaultLeap Card

VisaHybridKYC fulldebit

VaultLeap is a US stablecoin account with a Visa debit card that spends USDC from a self-custodial wallet, with 1% USDC cashback capped at $50 a month. It is shutting down: no new accounts since Nov-01, 2026, deposits end Nov-30, 2026, and the card and app close Dec-01, 2026.

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10Card Score, #35 of 36
$108You keep a year
F33Trust points of 100
68%Key fields with a source

Plans side by side

Standard
Pro
Zero
Price
Monthly priceFree10$14.992,10Pro subscription $14.99 a month; the Pro transfer-fee rate can also be reached with 10,000 points or about $1,000 a month of card spendFree10
Yearly priceFree10$1444$12 a month billed annually per the fees page; Terms say $144 a yearFree10
Virtual card feeFree2Fees page lists no card issuance fee; card monthly, reload and per-purchase fees are $0Free2Fees page lists no card issuance fee; card monthly, reload and per-purchase fees are $0Free2Fees page lists no card issuance fee; card monthly, reload and per-purchase fees are $0
Staking needed010No staking or locked deposit010No staking or locked deposit010No staking or locked deposit
Other requirementsNone; default tier (0 to 9,999 points)10,4$14.99 a month subscription, or 10,000 to 39,999 points10,440,000+ points, about $4,000 a month of card spend, card required10,4
Rewards
Cashback1%51% in USDC on settled card purchases; promotions may add or replace the rate for selected merchants. Pricing page also mentions points multipliers, which have no cash value1%51% in USDC on settled card purchases; promotions may add or replace the rate for selected merchants. Pricing page also mentions points multipliers, which have no cash value1%51% in USDC on settled card purchases; promotions may add or replace the rate for selected merchants. Pricing page also mentions points multipliers, which have no cash value
Paid inUSDC5Credited to the self-custodial VaultLeap wallet on the 1st of the following monthUSDC5Credited to the self-custodial VaultLeap wallet on the 1st of the following monthUSDC5Credited to the self-custodial VaultLeap wallet on the 1st of the following month
Cashback cap a month$505$50 per user per calendar month for base cashback$505$50 per user per calendar month for base cashback$505$50 per user per calendar month for base cashback
Earns onSettled purchases made with the VaultLeap Visa Debit Card5Settled purchases made with the VaultLeap Visa Debit Card5Settled purchases made with the VaultLeap Visa Debit Card5
No cashback onRefunds and reversals, Disputed or charged-back purchases, Declined or unsettled authorizations, ATM withdrawals and cash advances, Transfers between accounts, wallets or cards5Pending cashback is forfeited if the account is closed, suspended or restricted before payoutRefunds and reversals, Disputed or charged-back purchases, Declined or unsettled authorizations, ATM withdrawals and cash advances, Transfers between accounts, wallets or cards5Pending cashback is forfeited if the account is closed, suspended or restricted before payoutRefunds and reversals, Disputed or charged-back purchases, Declined or unsettled authorizations, ATM withdrawals and cash advances, Transfers between accounts, wallets or cards5Pending cashback is forfeited if the account is closed, suspended or restricted before payout
VestingNone stated; paid on the 1st of the month after the purchase5None stated; paid on the 1st of the month after the purchase5None stated; paid on the 1st of the month after the purchase5
PointsTier Points: 10 points per $1 of card spend on a rolling 30-day window, 5,000 activation bonus; points have no cash value and expire on a rolling 30-day basis. Points set the transfer-fee tier2,4,10Tier Points: 10 points per $1 of card spend on a rolling 30-day window, 5,000 activation bonus; points have no cash value and expire on a rolling 30-day basis. Points set the transfer-fee tier2,4,10Tier Points: 10 points per $1 of card spend on a rolling 30-day window, 5,000 activation bonus; points have no cash value and expire on a rolling 30-day basis. Points set the transfer-fee tier2,4,10
PerksVisa debit card, USD, EUR and MXN account details, Unlimited transfers, Email support10Streak rewards (1.5x points after 2 months, 2x after 3), Free shipping on Money Clock, Priority support10QuickBooks sync, Zero Club badge, Priority and dedicated support, Cap on 0% transfers rises to $60,000 a month after a 3-month streak10
Fees
FX fee0.5%2,10About 0.5% partner pass-through on currency exchange, no VaultLeap markup; card page says 0% international fee and Visa network rate. No real-payment test found0.5%2,10About 0.5% partner pass-through on currency exchange, no VaultLeap markup; card page says 0% international fee and Visa network rate. No real-payment test found0.5%2,10About 0.5% partner pass-through on currency exchange, no VaultLeap markup; card page says 0% international fee and Visa network rate. No real-payment test found
Crypto conversion fee0%2Card spends USDC from the balance; no conversion fee published, other than the ~0.5% FX pass-through0%2Card spends USDC from the balance; no conversion fee published, other than the ~0.5% FX pass-through0%2Card spends USDC from the balance; no conversion fee published, other than the ~0.5% FX pass-through
Top-up fee0%2Card reload fee $0. Bank-to-VaultLeap transfers carry a platform fee by tier (Standard 0.75%, Pro 0.45%, Zero 0% up to $40,000 a month, then 0.55%); the same page also lists ACH, wire, SEPA and SPEI as free0%2Card reload fee $0. Bank-to-VaultLeap transfers carry a platform fee by tier (Standard 0.75%, Pro 0.45%, Zero 0% up to $40,000 a month, then 0.55%); the same page also lists ACH, wire, SEPA and SPEI as free0%2Card reload fee $0. Bank-to-VaultLeap transfers carry a platform fee by tier (Standard 0.75%, Pro 0.45%, Zero 0% up to $40,000 a month, then 0.55%); the same page also lists ACH, wire, SEPA and SPEI as free
Inactivity feeFree2Fees page lists a $0 monthly card fee; no inactivity fee mentionedFree2Fees page lists a $0 monthly card fee; no inactivity fee mentionedFree2Fees page lists a $0 monthly card fee; no inactivity fee mentioned

What you keep

Rewards you can spend+$120
FX fee on foreign spend−$12
Net a year, Standard plan$108

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

Trust

Licence and regulator9 of 25

Card is issued by Lead Bank with Bridge as program manager, but VaultLeap (Klydo, Inc.) states no licence of its own and its Terms name no bank.5,4,1

Custody and fund protection10 of 20

The wallet is described as self-custodial, yet the help page says Lead Bank and regulated partners hold and settle funds, which are not FDIC insured.1,9,4

Incidents in the last 24 months3 of 20

The service is shutting down: deposits end Nov-30, 2026 and the card and app close Dec-01, 2026.3,1

Track record and verified volume2 of 15

Card live since Jun 2026 with about $106,400 of on-chain spend per Paymentscan, and now closing after about six months.11

Published fees and terms6 of 10

Fees, cashback terms and closure steps are public, but the fees page contradicts itself on bank rails and the Terms do not name the issuer.2,5,3,4

Support and user sentiment3 of 10

Email and in-app tickets only, in English and Spanish; the App Store rating rests on three ratings and Trustpilot shows 3.6 (search summaries only).1,13,14,15

Company

Legal entityKlydo, Inc. (Delaware), doing business as VaultLeap; successor to Klydo LLC (California)4PMB 1,066, 447 Sutter St, Ste 405, San Francisco, CA 94,108
HeadquartersUnited States4Address in San Francisco, California
Websitevaultleap.com1

Issuer and licence

Card issuerLead Bank5Named in the Cashback Program Terms; the Terms of Service name only unnamed regulated banking partners
Program managerBridge Ventures LLC (a Stripe company)5,1VaultLeap is the platform provider
NetworkVisa5,11

The card

Statusclosing1,3VaultLeap is closing: no new accounts since Nov-01, 2026, deposits stop Nov-30, 2026, and the card and app close Dec-01, 2026.
Launched2026-0611Per Paymentscan, first on-chain card spend in Jun 2026
Typedebit5Called a Visa Debit Card; funded by moving USDC from the account balance to the card
FormsVirtualPhysical6Virtual card is instant; physical cards ship only where available
Custodyhybrid1,9Wallet is described as self-custodial, but the help page says funds are held and settled by Lead Bank and regulated partners and are not FDIC insured
How custody worksHomepage and closing notice say only you hold the keys and funds left after Dec-01, 2026 stay in the wallet, reachable with your private key. The card help page says Lead Bank and regulated partners hold and settle funds, and the Terms say VaultLeap does not hold customer funds1,3,9,4
KYCfull4Identity verification with government ID and selfie
KYC documentsGovernment ID and selfie4
Minimum age184
Settles inUSD5,7Balance and cashback are in USDC
Card currenciesUSD5Purchases abroad show in local currency at the Visa network rate

Funding

Crypto acceptedUSDC1,5
Fiat top-upACHWireSEPASPEI1,2Incoming bank payments to USD, EUR and MXN account details auto-convert to USDC
Deposit feesPlatform fee on bank transfers by rewards tier: Standard 0.75%, Pro 0.45%, Zero 0% up to $40,000 a month then 0.55%; on-chain transfers free2,10Same fees page also lists ACH, wire, SEPA and SPEI as free, so it contradicts itself. FX about 0.5% pass-through
Spends fromUSDC moved from the account balance to the card wallet (Dashboard, Card, Add Funds)13

Payments

Online subscriptionsYes12Works online, in-store and abroad wherever Visa is accepted

Where it works

RegionsLatin AmericaAfrica8Coming soon per the page: Asia-Pacific and more LATAM, now moot because of the closure
Countries178US, 15 LATAM countries, and Ghana; homepage says 27 countries
United States8New sign-ups ended Nov-01, 2026
Supported countriesUnited StatesUnited StatesArgentinaArgentinaColombiaColombiaMexicoMexicoBrazilBrazilPeruPeruBoliviaBoliviaGuatemalaGuatemalaDominican RepublicDominican RepublicEcuadorEcuadorCosta RicaCosta RicaEl SalvadorEl SalvadorHondurasHondurasPanamaPanamaParaguayParaguayUruguayUruguayGhanaGhana8

Account

Local accountsUSD (ACH, wire), EUR (SEPA), MXN (SPEI)1,2
Crypto to bankYes2,3Bank payouts over ACH, wire, SEPA and SPEI; stop Dec-01, 2026
Crypto loansNo11Paymentscan: Borrow to Spend not supported
Multi-currencyUSD, EUR, MXN1,2
OtherReferral programme gives 1,000 Tier Points to both sides4

Security

Freeze card13Dashboard, Card, Freeze
InsuranceNot FDIC insured9,1

App

App Store rating514Search summary only; based on three ratings
App Store ratings314Search summary only
App StoreOpen in App Store14
Google PlayOpen in Google Play14Search summary only
LanguagesEnglishSpanish1Support languages
SupportEmail: support@vaultleap.comSupport tab in app (tickets)1,13

Reputation

Trustpilot3.615Search summary only, page not opened
Common complaintsSome users had to redo identity verification through an emailed retry link16Single user report in a private chat, unverified

Adoption

On-chain spend, all time$106,400112,335 transactions from 218 addresses, Jun to Nov-04, 2026
On-chain spend, last month$34,16011Oct 2026

Referrals

User referrals1,000 Tier Points to both sides for a qualified referral, plus 1 point per $1 of the referee's eligible card spend, capped at 100,000 points per rolling 30 days4Programme ends with the closure

Incidents and changes

Nov 2026VaultLeap announced it is closing: no new accounts or card applications from Nov-01, 2026, deposits stop Nov-30, 2026, and cards, bank payouts, cashback, points and the app end Dec-01, 2026.1,3shutdown

More details

Closure timelineNov-01, 2026: no new accounts or card applications. Nov-30, 2026: last day for deposits and for cashback-earning purchases. Dec-01, 2026: cards close, bank payouts stop, app closes; final cashback goes to the wallet. No closure fees.3
Funds left after closingThe wallet is self-custodial; balances not moved by Dec-01, 2026 stay in the wallet and can be reached with the private key, which users should back up in the app.3
Transfer fee tiersStandard 0.75% (0 to 9,999 points), Pro 0.45% (10,000 to 39,999), Zero 0% up to $40,000 a month then 0.55% (40,000+). Applies to bank moves over ACH, SEPA, wire and SPEI.2,10
Governing lawCalifornia law, binding AAA arbitration in San Francisco with class action waiver; opt-out within 30 days4
Cashback payout timingPaid on the 1st of the following month; pending cashback is forfeited if the account closes before payout5

Quick answers

What does the VaultLeap Card cost?

The Standard plan: Free a month, — for a physical card.

How much cashback does the VaultLeap Card pay?

1% on the Standard plan, paid in USDC.

What is the VaultLeap Card FX fee?

0.5% on the Standard plan.

Is the VaultLeap Card custodial?

Hybrid. Homepage and closing notice say only you hold the keys and funds left after Dec-01, 2026 stay in the wallet, reachable with your private key. The card help page says Lead Bank and regulated partners hold and settle funds, and the Terms say VaultLeap does not hold customer funds

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

US: yes. UK: not stated. EEA: not stated.

How much do you keep with the VaultLeap Card?

$108 a year on the Standard plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. VaultLeap homepage (closure banner, partners, custody), issuer, Nov-05, 2026
  2. What are VaultLeap's fees?, issuer, Nov-05, 2026
  3. VaultLeap closing notice, issuer, Nov-05, 2026
  4. VaultLeap Terms of Service (updated Aug-28, 2026), issuer, Nov-05, 2026
  5. VaultLeap Cashback Program Terms, issuer, Nov-05, 2026
  6. Get Your Card, issuer, Nov-05, 2026
  7. Card Limits & Fees, issuer, Nov-05, 2026
  8. What regions are supported?, issuer, Nov-05, 2026
  9. Is my money protected?, issuer, Nov-05, 2026
  10. VaultLeap Pricing, issuer, Nov-05, 2026
  11. VaultLeap on Paymentscan (spend volume, launch), paymentscan, Nov-05, 2026
  12. Where can I use the VaultLeap Card?, issuer, Nov-05, 2026
  13. VaultLeap Card Help & Support (freeze, cancel, add funds), issuer, Nov-05, 2026
  14. VaultLeap on the App Store (search summary only), other, Nov-05, 2026
  15. VaultLeap on Trustpilot (search summary only), other, Nov-05, 2026
  16. Finek chat, user report, Oct-02, 2026, community, Nov-05, 2026

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