{"formula":"1.0","scope":"Personal crypto cards only","cards":[{"slug":"etherfi","name":"ether.fi Cash card","brand":"ether.fi","checked":"2026-11-05","summary":"ether.fi Cash is a Visa Signature card on a non-custodial smart-account vault: spend USDC or liquidUSD directly (Direct Pay) or borrow against crypto collateral on Aave (Borrow mode). Four membership tiers (Core, Luxe, Pinnacle, VIP) pay 3-4% cashback in ETHFI, stepping down after a monthly spend band; ether.fi also bought selected Zeal assets on Oct-23, 2026.","company":{"legal_entity":{"v":"Ether.Fi SEZC (Terms of Use and App Store seller); Ether.Fi Cash Ltd. and Ether.Fi Cash Inc. (cardholder agreements)","src":["s34","s35"]},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":28300000,"src":["s39","s40"],"note":"Sum of $5.3M seed (Feb 2023) and $23M Series A (Feb 2024); no later round found"},"investors":{"v":["Bullish Capital","CoinFund","OKX Ventures","Foresight Ventures","Consensys","North Island Ventures","Chapter One"],"src":["s39","s40"]},"website":{"v":"https://www.ether.fi","src":["s52"]},"x_handle":{"v":"@ether_fi","src":["s38"]},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Third National","src":["s34"],"note":"'The Ether.Fi Card is issued by Third National pursuant to a license from Visa'; in Nigeria the card is marketed by Banex Microfinance Bank"},"program_manager":{"v":null,"note":"Not named in the cardholder agreement"},"licences":{"v":null,"note":"Not published"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s4","s34"]},"card_product_level":{"v":"Visa Signature","src":["s4","s50"]}},"product":{"status":{"v":"live","src":["s7","s52"]},"launched":{"v":null,"note":"Cash card launch date not found; the ether.fi iOS app first released 2025-05-15"},"card_kind":{"v":"credit","src":["s19","s13"],"note":"Marketed as a credit card. Borrow mode is over-collateralised borrowing on Aave; Direct Pay mode spends vault USDC/liquidUSD like a debit card"},"forms":{"v":["virtual","physical","metal"],"src":["s4","s12"],"note":"Core gets plastic; Luxe and above get metal"},"custody":{"v":"self-custody","src":["s24"]},"custody_detail":{"v":"Non-custodial Safe smart account owned by a Turnkey signer (keys in secure enclaves); ether.fi says it cannot move funds. Private-key export not yet available","src":["s24"]},"kyc_level":{"v":"full","src":["s15"],"note":"Required for all users before a card is issued"},"kyc_documents":{"v":["Phone verification","Government ID (passport, national ID or driver's licence)","Selfie liveness check","Residential address (proof of address in some cases)","Card issuer questionnaire"],"src":["s15"]},"kyc_time":{"v":"Most reviews within 48 hours","src":["s15"]},"min_age":{"v":null,"note":"Not published"},"settlement_currency":{"v":"USD","src":["s9","s34"],"note":"EUR merchants can settle in EUR with 0% FX markup"},"card_currencies":{"v":["USD","EUR"],"src":["s1","s9"],"note":"Cashback ladders exist for USD and EUR; spend works in 131 currencies (self-reported on X)"}},"tiers":[{"name":"Core","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s2"],"note":"Everyone starts at Core"},"price_annual":{"v":0,"src":["s2"]},"issuance_virtual":{"v":0,"src":["s4","s6"],"note":"1 free virtual card; the first virtual card costs $10 in 14 regions (AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA, TH); extra virtual cards $10 each; max 5. Also a $10 deposit or fee is needed before verification"},"issuance_physical":{"v":50,"src":["s4","s6"],"note":"No free physical card; $50 each, max 1. Conflict: the Membership benefits page says physical card is 'free; shipping fee applies'"},"shipping":{"v":"Shipping fee applies; amount shown in app","src":["s3"],"note":"Amount not published"},"replacement_fee":{"v":"Replacement cards may incur fees depending on tier and shipping location","src":["s44"],"note":"Amount not published"},"staking_required":{"v":0,"src":["s2"]},"other_requirements":{"v":"KYC; $10 initial top-up or virtual card fee before card verification","src":["s11","s15"]},"cashback_rate":{"v":3,"src":["s1","s3"],"note":"3% on first $2,000 monthly spend, 1% on $2,001-$3,000, 0.5% above. EUR purchases: 3% on first $800 (USD equivalent), 1% to $1,500, 0.1% above"},"cashback_cap_monthly":{"v":null,"note":"No hard cap; rate steps down by monthly spend band. Max at 3% band = about $60 per month"},"cashback_eligible_spend":{"v":"Approved card purchases; trades and borrows also earn cashback","src":["s1"],"note":"USD and EUR share one monthly spend counter"},"fx_fee":{"v":1.5,"src":["s8","s34"],"note":"1% base FX fee plus 0.5% Core margin; EUR-denominated purchases have 0% FX markup (beta)"},"atm_free_monthly":{"v":"Free, up to 10 withdrawals per month","src":["s3"],"note":"Fee after 10 not published"},"perks":{"v":["Visa Signature benefits (purchase protection $10,000, price protection $2,000, extended warranty $10,000, auto rental insurance)","Visa Concierge","Airport lounge: not included","ether.fi Travel: 5% plus up to 65% off hotels and flights","eSIM discounts (GigSky)","Global Blue VAT refunds","Cash Protection Program up to $10,000 (not yet live)"],"src":["s3","s4","s21","s26"]},"atm_fee_pct":{"v":null,"note":"Fee beyond the free allowance is not published in the help center"},"atm_fee_fixed":{"v":null,"note":"Fee beyond the free allowance is not published in the help center"},"atm_limit_daily":{"v":25000,"src":["s5"],"note":"Rolling 24 hours; max 5 withdrawals and $5,000 per transaction; same for every tier"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Per-transaction limit for purchases not published; ATM is $5,000 per transaction"},"spend_limit_daily":{"v":5000,"src":["s6"],"note":"Default per-card daily limit, user-editable; account-wide (vault) daily default is $10,000"},"spend_limit_monthly":{"v":10000,"src":["s6"],"note":"Default monthly vault (account-wide) limit, user-editable"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"No inactivity fee found in the help center or cardholder agreement"},"decline_fee":{"v":null,"note":"No decline fee found in the help center or cardholder agreement"},"topup_fee":{"v":0,"src":["s31"],"note":"ether.fi charges no crypto deposit fee, only network gas; bank-transfer rails have their own fees (see funding.deposit_fees)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee published for Direct Pay or Borrow mode beyond FX and borrow interest"},"points_program":{"v":"Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.","src":["s2"],"note":"Points unlock Luxe (5K) and Pinnacle (25K); also earned by trading and borrowing"},"cashback_asset":{"v":"ETHFI","src":["s1"],"note":"Cashback is converted to ETHFI at the price when the purchase clears. Several third-party reviews still say USDC or wETH, which conflicts with the current help center"},"cashback_vesting":{"v":"7-day lock after the purchase clears, then claimable; minimum $5 claimable balance","src":["s1","s22"]},"cashback_exclusions":{"v":["ATM withdrawals and cash advances","P2P payments","Currency exchange","Tax payments","Gift cards and stored-value","Money orders and cash equivalents","MCC 6011, 6012, 6211, 6513, 6532, 7995 (gambling)"],"src":["s1"],"note":"Refunds and reversals can claw back the cashback"}},{"name":"Luxe","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"No monthly price; annual purchase or points qualification"},"price_annual":{"v":199,"src":["s2"],"note":"Or 5K points to activate and 5K points/month to maintain, or $15K in Liquid, or 30K ETHFI staked"},"issuance_virtual":{"v":0,"src":["s4","s6"],"note":"4 free virtual cards, max 10, then $10 each. Conflict: Membership benefits page lists '2 free'"},"issuance_physical":{"v":0,"src":["s4","s6"],"note":"1 free physical (metal, purple) card, max 2; extra $100. Free shipping on Luxe and above"},"shipping":{"v":"Free","src":["s3","s4"]},"replacement_fee":{"v":"Replacement cards may incur fees depending on tier and shipping location","src":["s44"],"note":"Amount not published"},"staking_required":{"v":{"amount":30000,"asset":"ETHFI","lock_days":0},"src":["s2"],"note":"Alternative to buying or points; no lockup"},"other_requirements":{"v":"Any one of: 5K points, $15K gross Liquid holdings, 30K staked ETHFI, or $199/yr purchase","src":["s2"]},"cashback_rate":{"v":3,"src":["s1","s3"],"note":"3% on first $10,000 monthly spend, 1% on $10,001-$20,000, 0.5% above. EUR: 3% on first $3,000, 1% to $6,000, 0.1% above"},"cashback_cap_monthly":{"v":null,"note":"No hard cap; rate steps down by monthly spend band. Max at 3% band = about $300 per month"},"cashback_eligible_spend":{"v":"Approved card purchases; trades and borrows also earn cashback","src":["s1"]},"fx_fee":{"v":1.25,"src":["s8","s34"],"note":"1% base plus 0.25% Luxe margin; EUR purchases 0% FX markup (beta)"},"atm_free_monthly":{"v":"Free, up to 10 withdrawals per month","src":["s3"],"note":"Fee after 10 not published"},"perks":{"v":["Category Cashback: 10% on named subscriptions (AI, streaming, food and more), up to $10/month","Airport lounge: 2 single-visit passes per year with 100% cashback up to $49 each (from Oct-20, 2026)","Metal card","Visa Signature benefits","ether.fi Travel: 5% plus up to 65% off","Cash Protection Program up to $50,000 (not yet live)"],"src":["s3","s25","s26","s4","s21"]},"atm_fee_pct":{"v":null,"note":"Fee beyond the free allowance is not published in the help center"},"atm_fee_fixed":{"v":null,"note":"Fee beyond the free allowance is not published in the help center"},"atm_limit_daily":{"v":25000,"src":["s5"],"note":"Rolling 24 hours; max 5 withdrawals and $5,000 per transaction; same for every tier"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Per-transaction limit for purchases not published; ATM is $5,000 per transaction"},"spend_limit_daily":{"v":5000,"src":["s6"],"note":"Default per-card daily limit, user-editable; account-wide (vault) daily default is $10,000"},"spend_limit_monthly":{"v":10000,"src":["s6"],"note":"Default monthly vault (account-wide) limit, user-editable"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"No inactivity fee found in the help center or cardholder agreement"},"decline_fee":{"v":null,"note":"No decline fee found in the help center or cardholder agreement"},"topup_fee":{"v":0,"src":["s31"],"note":"ether.fi charges no crypto deposit fee, only network gas; bank-transfer rails have their own fees (see funding.deposit_fees)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee published for Direct Pay or Borrow mode beyond FX and borrow interest"},"points_program":{"v":"Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.","src":["s2"],"note":"Points unlock Luxe (5K) and Pinnacle (25K); also earned by trading and borrowing"},"cashback_asset":{"v":"ETHFI","src":["s1"],"note":"Cashback is converted to ETHFI at the price when the purchase clears. Several third-party reviews still say USDC or wETH, which conflicts with the current help center"},"cashback_vesting":{"v":"7-day lock after the purchase clears, then claimable; minimum $5 claimable balance","src":["s1","s22"]},"cashback_exclusions":{"v":["ATM withdrawals and cash advances","P2P payments","Currency exchange","Tax payments","Gift cards and stored-value","Money orders and cash equivalents","MCC 6011, 6012, 6211, 6513, 6532, 7995 (gambling)"],"src":["s1"],"note":"Refunds and reversals can claw back the cashback"}},{"name":"Pinnacle","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"No monthly price; annual purchase or points qualification"},"price_annual":{"v":999,"src":["s2"],"note":"Or 25K points, or $100K in Liquid, or 150K ETHFI staked"},"issuance_virtual":{"v":0,"src":["s4","s6"],"note":"10 free virtual cards, max 50, then $10 each"},"issuance_physical":{"v":0,"src":["s4","s6"],"note":"2 free physical metal (black) cards, max 4; extra $100"},"shipping":{"v":"Free; express shipping included","src":["s3","s4"]},"replacement_fee":{"v":"Replacement cards may incur fees depending on tier and shipping location","src":["s44"],"note":"Amount not published"},"staking_required":{"v":{"amount":150000,"asset":"ETHFI","lock_days":0},"src":["s2"],"note":"Alternative to buying or points; no lockup"},"other_requirements":{"v":"Any one of: 25K points, $100K gross Liquid holdings, 150K staked ETHFI, or $999/yr purchase","src":["s2"]},"cashback_rate":{"v":3,"src":["s1","s3"],"note":"3% on first $50,000 monthly spend, 1% on $50,001-$80,000, 0.5% above. EUR: 3% on first $16,000, 1% to $26,000, 0.1% above"},"cashback_cap_monthly":{"v":null,"note":"No hard cap; rate steps down by monthly spend band. Max at 3% band = about $1,500 per month"},"cashback_eligible_spend":{"v":"Approved card purchases; trades and borrows also earn cashback","src":["s1"]},"fx_fee":{"v":1,"src":["s8","s34"],"note":"1% base FX fee, no added margin; EUR purchases 0% FX markup (beta)"},"atm_free_monthly":{"v":"Free, unlimited withdrawals","src":["s3"]},"perks":{"v":["Category Cashback: 20% on named subscriptions, up to $20/month","Airport lounge: unlimited single-visit passes (100% cashback up to $49 each, one per day)","Airport fast track: 25% cashback up to $25/yr","Dedicated account manager team","Black metal card","Visa Signature benefits","Cash Protection Program up to $200,000 per the program page (benefits table says $100,000), not yet live"],"src":["s3","s25","s26","s21"]},"atm_fee_pct":{"v":null,"note":"Fee beyond the free allowance is not published in the help center"},"atm_fee_fixed":{"v":null,"note":"Fee beyond the free allowance is not published in the help center"},"atm_limit_daily":{"v":25000,"src":["s5"],"note":"Rolling 24 hours; max 5 withdrawals and $5,000 per transaction; same for every tier"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Per-transaction limit for purchases not published; ATM is $5,000 per transaction"},"spend_limit_daily":{"v":5000,"src":["s6"],"note":"Default per-card daily limit, user-editable; account-wide (vault) daily default is $10,000"},"spend_limit_monthly":{"v":10000,"src":["s6"],"note":"Default monthly vault (account-wide) limit, user-editable"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"No inactivity fee found in the help center or cardholder agreement"},"decline_fee":{"v":null,"note":"No decline fee found in the help center or cardholder agreement"},"topup_fee":{"v":0,"src":["s31"],"note":"ether.fi charges no crypto deposit fee, only network gas; bank-transfer rails have their own fees (see funding.deposit_fees)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee published for Direct Pay or Borrow mode beyond FX and borrow interest"},"points_program":{"v":"Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.","src":["s2"],"note":"Points unlock Luxe (5K) and Pinnacle (25K); also earned by trading and borrowing"},"cashback_asset":{"v":"ETHFI","src":["s1"],"note":"Cashback is converted to ETHFI at the price when the purchase clears. Several third-party reviews still say USDC or wETH, which conflicts with the current help center"},"cashback_vesting":{"v":"7-day lock after the purchase clears, then claimable; minimum $5 claimable balance","src":["s1","s22"]},"cashback_exclusions":{"v":["ATM withdrawals and cash advances","P2P payments","Currency exchange","Tax payments","Gift cards and stored-value","Money orders and cash equivalents","MCC 6011, 6012, 6211, 6513, 6532, 7995 (gambling)"],"src":["s1"],"note":"Refunds and reversals can claw back the cashback"}},{"name":"VIP","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Not for sale"},"price_annual":{"v":null,"note":"Not for sale"},"issuance_virtual":{"v":0,"src":["s4","s6"],"note":"50 free virtual cards (benefits table says unlimited), max 50"},"issuance_physical":{"v":0,"src":["s4","s6"],"note":"2 free physical gold metal cards, max 2"},"shipping":{"v":"Free; express shipping included","src":["s3","s4"]},"replacement_fee":{"v":"Replacement cards may incur fees depending on tier and shipping location","src":["s44"],"note":"Amount not published"},"staking_required":{"v":{"amount":500000,"asset":"ETHFI","lock_days":0},"src":["s2"],"note":"Fast-track route; no lockup"},"other_requirements":{"v":"Fast-track: $500K gross Liquid holdings or 500K staked ETHFI. The card benefits page also describes VIP as invitation only","src":["s2","s4"]},"cashback_rate":{"v":4,"src":["s3"],"note":"4% on the first $50,000 monthly spend; EUR 4% on first $16,000 (USD equivalent). Step-down rates above those bands are not published"},"cashback_cap_monthly":{"v":null,"note":"No hard cap published; max at 4% band = about $2,000 per month"},"cashback_eligible_spend":{"v":"Approved card purchases; trades and borrows also earn cashback","src":["s1"]},"fx_fee":{"v":1,"src":["s8","s34"],"note":"1% base FX fee, no added margin; EUR purchases 0% FX markup (beta)"},"atm_free_monthly":{"v":"Free, unlimited withdrawals","src":["s3"]},"perks":{"v":["Category Cashback: 30% on named subscriptions, up to $30/month","Airport lounge: unlimited single-visit passes","Airport fast track: 25% cashback up to $50/yr","Executive support from the CEO and team","Ventures access (curated deal flow)","Gold metal card","Virtual and physical card fees $0","Cash Protection Program up to $500,000 (not yet live)"],"src":["s3","s25","s26","s4","s21"]},"atm_fee_pct":{"v":null,"note":"Fee beyond the free allowance is not published in the help center"},"atm_fee_fixed":{"v":null,"note":"Fee beyond the free allowance is not published in the help center"},"atm_limit_daily":{"v":25000,"src":["s5"],"note":"Rolling 24 hours; max 5 withdrawals and $5,000 per transaction; same for every tier"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Per-transaction limit for purchases not published; ATM is $5,000 per transaction"},"spend_limit_daily":{"v":5000,"src":["s6"],"note":"Default per-card daily limit, user-editable; account-wide (vault) daily default is $10,000"},"spend_limit_monthly":{"v":10000,"src":["s6"],"note":"Default monthly vault (account-wide) limit, user-editable"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"No inactivity fee found in the help center or cardholder agreement"},"decline_fee":{"v":null,"note":"No decline fee found in the help center or cardholder agreement"},"topup_fee":{"v":0,"src":["s31"],"note":"ether.fi charges no crypto deposit fee, only network gas; bank-transfer rails have their own fees (see funding.deposit_fees)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee published for Direct Pay or Borrow mode beyond FX and borrow interest"},"points_program":{"v":"Membership points: 1,000 points per $1k card spend; 1.5 points per $1k staked per day; 10 points per $1k in Liquid per day; 5 points per 1k ETHFI staked per day. Points reset monthly.","src":["s2"],"note":"Points unlock Luxe (5K) and Pinnacle (25K); also earned by trading and borrowing"},"cashback_asset":{"v":"ETHFI","src":["s1"],"note":"Cashback is converted to ETHFI at the price when the purchase clears. Several third-party reviews still say USDC or wETH, which conflicts with the current help center"},"cashback_vesting":{"v":"7-day lock after the purchase clears, then claimable; minimum $5 claimable balance","src":["s1","s22"]},"cashback_exclusions":{"v":["ATM withdrawals and cash advances","P2P payments","Currency exchange","Tax payments","Gift cards and stored-value","Money orders and cash equivalents","MCC 6011, 6012, 6211, 6513, 6532, 7995 (gambling)"],"src":["s1"],"note":"Refunds and reversals can claw back the cashback"}}],"funding":{"crypto_assets":{"v":["USDC","USDT","USDT0","EURC","eUSD","frxUSD","ZCHF","BTC (as liquidBTC)","ETH","WETH","weETH","eBTC","ETHFI","sETHFI","OP","HYPE","WHYPE","beHYPE","PAXG","liquidETH","liquidBTC","liquidUSD","liquidReserve","tokenized stocks (xStocks)"],"src":["s23"],"note":"Direct Pay spends only USDC then liquidUSD; other assets work as collateral in Borrow mode"},"chains":{"v":["Ethereum","OP Mainnet","Arbitrum","Base","BNB Smart Chain","Celo","Gnosis","HyperEVM","Katana","Mantle","Polygon","Solana","Tempo","Kaia","Plasma","Tron","Bitcoin"],"src":["s23"],"note":"Network support varies by asset"},"fiat_topup":{"v":["ACH","Fedwire","SWIFT","SEPA","SEPA Instant","FPS (GBP)","SPEI (MXN)","PIX (BRL)","FTS (AED)","MoonPay"],"src":["s32","s33","s55"],"note":"Availability differs by country; bank transfers need separate verification"},"deposit_fees":{"v":"No ether.fi crypto deposit fee. Bank: ACH $0.50 + 0.10%, Fedwire $20 + 0.10% (latest provider route); SEPA EUR 0.90 for EURC or EUR 0.90 + 0.15% for USDC","src":["s31","s32","s33"],"note":"No tier-based bank-transfer fees"},"min_deposit":{"v":10,"src":["s11"],"note":"Initial $10 top-up (or $10 virtual card fee) required before card verification"},"spend_from":{"v":"Direct Pay: vault USDC first, then liquidUSD. Borrow mode: borrows USDC against any eligible vault asset at variable Aave rate with interest from the first second","src":["s13","s14"],"note":"Product LTV e.g. USDC 81%, weETH/WETH 55%, ETHFI 20%"}},"payments":{"apple_pay":{"v":true,"src":["s16"],"note":"Manual add by card details"},"google_pay":{"v":true,"src":["s16"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":true,"src":["s18"],"note":"One-time code by app push and email"},"contactless":{"v":true,"src":["s4"]},"online_subscriptions":{"v":true,"src":["s25"],"note":"Named services like ChatGPT, Netflix, Spotify earn Category Cashback on Luxe and above"},"restricted_mccs":{"v":["Weekly $1,000 per-card limit: MCC 6012, 6211, 6531-6537, 6611, 6760, 7273, 7322, 5932, 5937, 5972","Weekly $3,000 per-card limit: MCC 6529, 7280, 5122, 7800-7802 (US lotteries/casinos), others","No cashback: ATM, gambling MCC 7995, crypto purchases MCC 6211"],"src":["s20","s1"],"note":"Gas pumps need about $175 available for the pre-authorisation hold"}},"availability":{"regions":{"v":["EEA","UK","US","LATAM","APAC","Middle East","Africa"],"src":["s7"],"note":"Subject to KYC; if a jurisdiction is not listed you cannot apply"},"countries_supported_count":{"v":88,"src":["s7"],"note":"Entries in the physical-card list (plus the US by state and virtual-only Belgium and Ireland); ether.fi claims spend works in 199 countries"},"countries_supported":{"v":null,"note":"Country list is published in plain English names only, not ISO codes"},"countries_excluded":{"v":["KP","IR","MM"],"src":["s5"],"note":"ATM withdrawals prohibited in North Korea, Iran, Myanmar; a full list of excluded sign-up countries is not published"},"us_available":{"v":true,"src":["s7"],"note":"Physical card in 31 listed states plus DC; some US features (tokenized stocks) not available"},"uk_available":{"v":true,"src":["s7"]},"eea_available":{"v":true,"src":["s7"],"note":"Belgium and Ireland: virtual card only, no physical delivery"}},"account_features":{"iban":{"v":null,"note":"SEPA bank details are provided for EUR top-ups; whether it is a personal IBAN is not stated"},"local_accounts":{"v":["USD (ACH/Fedwire)","EUR (SEPA)","GBP (FPS)","MXN (SPEI)","BRL (PIX)","AED (FTS)"],"src":["s32","s33","s55"],"note":"Funding and send rails"},"p2p_transfers":{"v":true,"src":["s49"],"note":"Pay anyone by ether.fi Tag"},"crypto_to_bank_payouts":{"v":true,"src":["s32","s33"],"note":"Send to bank accounts via ACH, Fedwire, SEPA, SWIFT and others"},"yield_on_balance":{"v":null,"note":"No fixed APY; yield comes from optional Liquid vaults and staking, rates vary"},"crypto_loans":{"v":true,"src":["s13","s14"],"note":"Borrow against collateral; variable APY from Aave v4 markets, interest from day one, liquidation risk"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s9","s32"],"note":"USD and EUR balances (USDC, EURC)"},"other":{"v":["Staking and Liquid vaults","Trading of tokenized stocks and gold (not US at launch)","ether.fi Travel hotel and flight booking","Visa Airport Companion lounge passes","Affiliate programme","Connect Claude/ChatGPT to your account"],"src":["s53","s51","s26"]}},"security":{"card_freeze":{"v":true,"src":["s44"],"note":"Instant freeze; delete card if lost or stolen"},"two_factor":{"v":"Passkey sign-in or email one-time code; 3DS one-time code on online payments","src":["s45","s18"]},"biometrics":{"v":true,"src":["s45"],"note":"Passkeys use Face ID, fingerprint or device PIN"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":"Cash Protection Program (not yet live): reimburses covered smart-contract exploits, $5M capacity, $3M ether.fi first-loss; not insurance or deposit insurance","src":["s21"],"note":"Max reimbursement Core $10K, Luxe $50K, Pinnacle $200K, VIP $500K"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/ether-fi-crypto-card-spend/id6670338367","src":["s35"]},"ios_rating":{"v":4.9,"src":["s35"],"note":"4.93 average, US storefront, read 2026-10-25"},"ios_rating_count":{"v":414,"src":["s35"],"note":"US storefront"},"android_url":{"v":null,"note":"Google Play listing not found"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","Portuguese (Brazil)","Spanish","Traditional Chinese"],"src":["s43","s35"]},"web_app":{"v":true,"src":["s19"],"note":"Full app at ether.fi/app/cash"},"support_channels":{"v":["In-app live chat","Email support@ether.fi","Discord","Help center"],"src":["s52"]},"support_hours":{"v":null,"note":"Personal-account hours not published"}},"reputation":{"trustpilot_score":{"v":3.8,"src":["s36"]},"trustpilot_reviews":{"v":103,"src":["s36"],"note":"Reviews in the last 12 months; all-time count not captured"},"common_complaints":{"v":["Deposits or withdrawals delayed or missing","Account lockouts and disabled cards without explanation","Slow or AI-only support","'Free' physical card costs $100 and first virtual card $10","Referral rewards removed"],"src":["s36"]},"common_praise":{"v":["Cashback rates up to 3%","Clean, simple app and KYC","Reliable Apple Pay and Google Pay","Good exchange rates"],"src":["s36"]}},"adoption":{"users_claimed":{"v":"About 65,000 funded card accounts","src":["s48"],"note":"Secondary, undated podcast digest; a SpendNode headline mentions 100,000 cardholders. Treat as unverified"},"onchain_spend_all_time_usd":{"v":1033000000,"src":["s41"],"note":"ether.fi itself claims over $1B cumulative on Oct-17, 2026 across 199 countries and 12.6M+ transactions (self-reported)"},"onchain_spend_last_month_usd":{"v":null,"note":"Sep 2026 figure not captured; Oct 2026 month-to-date was $110.2M per Paymentscan"}},"incidents":[{"date":"2026-10","type":"other","summary":"ether.fi acquired selected Zeal wallet assets (not user accounts, keys or funds) and opened in-app migration for Zeal users; Zeal users must move by Dec-01, 2026.","src":["s37","s38"]},{"date":"2026-09","type":"fee change","summary":"Per a Finek channel post, the Ether-MEXC co-branded card lost its extra 1% unlimited cashback, and cashback is now paid in ETHFI (pending at authorisation, converted after clearing); secondary report.","src":["s56"]},{"date":"2026-09","type":"fee change","summary":"Membership points recalculated for September spend, reducing points previously calculated at a higher rate (qualification only, not cashback percentage); secondary report.","src":["s47"]},{"date":"2026-02","type":"other","summary":"Cash and about 300,000 accounts began migrating from Scroll to OP Mainnet; reportedly finished April 2026 with no user-facing change.","src":["s46"]}],"referral":{"user_referral_program":{"v":"Affiliate Program (replaced the old referral program): USDC rewards, $10-$20 new member bonus, $15-$25 high-spender bonus, 0.1-0.3% cashback on referral spend, 20-25% physical card commission, 50% card fee commission","src":["s17"],"note":"Conversion = referral spends $100; four tiers (Tier 4 needs 500+ referrals)"},"affiliate_program":{"v":true,"src":["s17"],"note":"Open to all users"},"affiliate_url":{"v":"https://www.ether.fi/app/cash/affiliate","src":["s17"]},"affiliate_terms":{"v":"Rewards paid monthly in USDC to your vault with no caps; tiers unlock by all-time and last-90-day qualifying referrals; 2nd-degree revshare 20% from Tier 2","src":["s17"]}},"regional":[{"region":"EUR merchants","field":"tiers[*].fx_fee","v":0,"src":["s9"]},{"region":"EUR merchants","field":"tiers[0].cashback_rate","v":3,"src":["s1"]},{"region":"AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA, TH","field":"tiers[0].issuance_virtual","v":10,"src":["s10"]}],"extra":[{"key":"direct_pay_vs_borrow","label":"Spending modes","v":"Direct Pay uses vault USDC then liquidUSD with no interest; Borrow mode lets all vault assets act as collateral with variable APY from Aave v4 markets, no grace period, and liquidation risk.","src":["s13","s14"]},{"key":"refunds","label":"Refunds","v":"Refunds come back as USDC (minus cashback paid), in 3-7 business days, up to 30; in Borrow mode a refund does not reduce the debt automatically.","src":["s29"]},{"key":"visa_benefits_gap","label":"Visa Signature benefits not available","v":"Travel insurance, baggage delay, lost baggage and medical insurance are not currently available; Visa Benefits portal registration needs Puerto Rico selected.","src":["s50"]},{"key":"lounge_cashback","label":"Lounge benefit","v":"100% cashback on single-visit lounge passes via Visa Airport Companion up to $49 per pass; Luxe 2 per year, Pinnacle and VIP unlimited; applies to purchases after Oct-20, 2026.","src":["s26"]},{"key":"travel_bonus","label":"ether.fi Travel","v":"Hotel bookings paid by Cash card earn the card cashback rate plus a 2% Travel bonus.","src":["s51"]},{"key":"marketing_cashback","label":"Marketing headline","v":"ether.fi markets 'up to 4% cashback' (VIP rate) while the Core to Pinnacle headline is 3%.","src":["s38","s3"]},{"key":"cashback_conflict","label":"Cashback asset conflict","v":"Current help center says ETHFI; older third-party reviews say USDC or wETH, and some say 2% base for Core or a 3% promo; the help center now shows 3% for Core to Pinnacle.","src":["s1","s47"]},{"key":"gitbook_docs","label":"Docs and legal","v":"https://etherfi.gitbook.io/etherfi/legal/ether.fi-legal","src":["s34"]}],"sources":[{"id":"s1","url":"https://help.ether.fi/en/articles/262374-how-does-cashback-work","title":"How does cashback work?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://help.ether.fi/en/articles/303625-how-do-membership-levels-work","title":"How do Membership levels work?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://help.ether.fi/en/articles/776152-membership-level-benefits","title":"Membership level benefits","publisher":"issuer","accessed":"2026-10-25"},{"id":"s4","url":"https://help.ether.fi/en/articles/304368-what-are-the-benefits-of-a-personal-cash-credit-card","title":"What are the benefits of a personal Cash credit card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s5","url":"https://help.ether.fi/en/articles/303623-what-are-the-atm-withdrawal-limits-for-personal-cash-cards","title":"ATM withdrawal limits for personal Cash cards","publisher":"issuer","accessed":"2026-10-25"},{"id":"s6","url":"https://help.ether.fi/en/articles/330661-managing-your-card-and-vault-limits","title":"Managing your card and vault limits","publisher":"issuer","accessed":"2026-10-25"},{"id":"s7","url":"https://help.ether.fi/en/articles/758780-in-which-countries-is-the-cash-card-available","title":"In which countries is the Cash card available?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s8","url":"https://help.ether.fi/en/articles/304414-what-s-the-foreign-exchange-fx-rate-used-on-cash-transactions","title":"FX rate used on Cash transactions","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://help.ether.fi/en/articles/604957-eur-purchases-0-fx-rate","title":"EUR purchases 0% FX rate","publisher":"issuer","accessed":"2026-10-25"},{"id":"s10","url":"https://help.ether.fi/en/articles/833743-why-is-there-a-10-fee-for-my-first-virtual-cash-card","title":"Why is there a $10 fee for my first virtual Cash card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s11","url":"https://help.ether.fi/en/articles/758781-why-do-i-need-to-make-an-initial-10-deposit-before-verification","title":"Why an initial $10 deposit before verification","publisher":"issuer","accessed":"2026-10-25"},{"id":"s12","url":"https://help.ether.fi/en/articles/842973-physical-cards","title":"Physical cards","publisher":"issuer","accessed":"2026-10-25"},{"id":"s13","url":"https://help.ether.fi/en/articles/326983-understanding-your-cash-card-borrow-mode-vs-direct-pay-mode","title":"Borrow mode vs Direct Pay mode","publisher":"issuer","accessed":"2026-10-25"},{"id":"s14","url":"https://help.ether.fi/en/articles/304388-how-does-collateral-and-borrowing-work","title":"How does collateral and borrowing work?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s15","url":"https://help.ether.fi/en/articles/269731-kyc-process-and-requirements","title":"KYC process and requirements","publisher":"issuer","accessed":"2026-10-25"},{"id":"s16","url":"https://help.ether.fi/en/articles/311478-how-do-i-add-my-card-to-apple-wallet-or-google-pay","title":"Add card to Apple Wallet or Google Pay","publisher":"issuer","accessed":"2026-10-25"},{"id":"s17","url":"https://help.ether.fi/en/articles/662040-affiliate-program","title":"Affiliate Program","publisher":"issuer","accessed":"2026-10-25"},{"id":"s18","url":"https://help.ether.fi/en/articles/875876-your-one-time-payment-code-for-online-purchases-3d-secure","title":"3D Secure one-time payment code","publisher":"issuer","accessed":"2026-10-25"},{"id":"s19","url":"https://help.ether.fi/en/articles/262378-frequently-asked-questions","title":"Cash card FAQ","publisher":"issuer","accessed":"2026-10-25"},{"id":"s20","url":"https://help.ether.fi/en/articles/827177-what-are-the-transaction-limits-for-different-merchant-category-codes-mccs","title":"Transaction limits for different MCCs","publisher":"issuer","accessed":"2026-10-25"},{"id":"s21","url":"https://help.ether.fi/en/articles/825861-what-is-the-ether-fi-cash-protection-program","title":"ether.fi Cash Protection Program","publisher":"issuer","accessed":"2026-10-25"},{"id":"s22","url":"https://help.ether.fi/en/articles/825725-why-is-my-cashback-locked-and-when-can-i-claim-it","title":"Why is my cashback locked and when can I claim it?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s23","url":"https://help.ether.fi/en/articles/758804-supported-assets-and-networks-for-your-vault-with-cash","title":"Supported assets and networks for Vault top-ups","publisher":"issuer","accessed":"2026-10-25"},{"id":"s24","url":"https://help.ether.fi/en/articles/304386-what-is-my-ether-fi-cash-vault-and-how-does-it-work","title":"What is my Cash Vault and how does it work?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s25","url":"https://help.ether.fi/en/articles/823083-how-does-category-cashback-work","title":"How does Category Cashback work?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s26","url":"https://help.ether.fi/en/articles/873318-how-does-airport-lounge-access-work-with-my-ether-fi-card","title":"Airport lounge access","publisher":"issuer","accessed":"2026-10-25"},{"id":"s27","url":"https://help.ether.fi/en/articles/304372-what-are-the-benefits-of-a-corporate-cash-credit-card","title":"Benefits of a corporate Cash credit card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s28","url":"https://help.ether.fi/en/articles/685724-how-does-cashback-work-for-corporate-accounts","title":"Cashback for corporate accounts","publisher":"issuer","accessed":"2026-10-25"},{"id":"s29","url":"https://help.ether.fi/en/articles/329136-understanding-your-cash-card-refunds","title":"Understanding your Cash card refunds","publisher":"issuer","accessed":"2026-10-25"},{"id":"s30","url":"https://help.ether.fi/en/articles/546375-transactions-at-gas-stations","title":"Transactions at gas stations","publisher":"issuer","accessed":"2026-10-25"},{"id":"s31","url":"https://help.ether.fi/en/articles/637846-fund-your-vault-with-crypto","title":"Fund your Vault with crypto","publisher":"issuer","accessed":"2026-10-25"},{"id":"s32","url":"https://help.ether.fi/en/articles/586168-send-and-receive-eur-via-sepa-bank-transfers","title":"Send and receive EUR via SEPA","publisher":"issuer","accessed":"2026-10-25"},{"id":"s33","url":"https://help.ether.fi/en/articles/584583-fedwire-and-ach-transfers-usd","title":"Fedwire and ACH transfers (USD)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s34","url":"https://etherfi.gitbook.io/etherfi/legal/ether.fi-legal/ether.fi-cash-cardholder-agreement-ltd.-international","title":"ether.fi Cash Cardholder Agreement - Ltd. (International), last modified Sep 8, 2026","publisher":"issuer","accessed":"2026-10-25"},{"id":"s35","url":"https://apps.apple.com/us/app/ether-fi-crypto-card-spend/id6670338367","title":"ether.fi: Crypto Card & Spend (App Store, data via iTunes Search API)","publisher":"app store","accessed":"2026-10-25"},{"id":"s36","url":"https://www.trustpilot.com/review/ether.fi","title":"ether.fi reviews on Trustpilot","publisher":"trustpilot","accessed":"2026-10-25"},{"id":"s37","url":"https://www.tradingview.com/news/coinmarketcal:7461a2e3b094b:0-ether-fi-acquires-selected-zeal-assets-and-enables-in-app-migration-23-oct-2026/","title":"Ether.fi acquires selected Zeal assets and enables in-app migration","publisher":"press","accessed":"2026-10-25"},{"id":"s38","url":"https://x.com/ether_fi/status/2113647301046788374","title":"ether.fi on X: ether.fi acquires @zealwallet","publisher":"issuer","accessed":"2026-10-25"},{"id":"s39","url":"https://www.theblock.co/post/215620/etherfi-raises-funding","title":"Ether.Fi raises $5.3 million in funding","publisher":"press","accessed":"2026-10-25"},{"id":"s40","url":"https://thelogic.co/briefing/mike-silagadzes-ether-fi-raises-us23m-series-a/","title":"Mike Silagadze's Ether.fi raises US$23M Series A","publisher":"press","accessed":"2026-10-25"},{"id":"s41","url":"https://paymentscan.xyz/cards/etherfi","title":"Paymentscan: ether.fi card","publisher":"paymentscan","accessed":"2026-10-25"},{"id":"s42","url":"https://www.spendnode.io/blog/ether-fi-1-billion-cumulative-card-spend-october-2026/","title":"Ether Fi Card Crosses $1 Billion in Total Spending","publisher":"press","accessed":"2026-10-25"},{"id":"s43","url":"https://help.ether.fi/en/articles/827176-how-do-i-change-my-language-in-cash","title":"How do I change my language in Cash?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s44","url":"https://help.ether.fi/en/articles/262387-how-do-i-freeze-or-block-my-card","title":"How do I freeze or block my card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s45","url":"https://help.ether.fi/en/articles/262390-passkey-sign-in-troubleshoot","title":"Passkey sign-in troubleshoot","publisher":"issuer","accessed":"2026-10-25"},{"id":"s46","url":"https://coinmarketcap.com/cmc-ai/ether-fi-ethfi/latest-updates/","title":"Latest ether.fi news (CoinMarketCap)","publisher":"press","accessed":"2026-10-25"},{"id":"s47","url":"https://www.cryptocardhub.com/card/ether-fi-cash-card","title":"ether.fi Cash Card Review: Cashback, Fees & Countries","publisher":"other","accessed":"2026-10-25"},{"id":"s48","url":"https://alearesearch.io/podcast-digest/defi-dad/building-cryptos-revolut-inside-etherfis-defi-bank-or-revenue-meta","title":"Building crypto's Revolut inside ether.fi (Alea Research podcast digest)","publisher":"other","accessed":"2026-10-25"},{"id":"s49","url":"https://help.ether.fi/en/articles/861872-how-do-i-claim-an-ether-fi-tag-and-pay-someone-with-it","title":"How do I claim an ether.fi Tag and pay someone with it?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s50","url":"https://help.ether.fi/en/articles/316496-visa-benefits-portal-with-retail-cash-cards","title":"Visa Benefits Portal with retail Cash cards","publisher":"issuer","accessed":"2026-10-25"},{"id":"s51","url":"https://help.ether.fi/en/articles/334714-ether-fi-travel","title":"ether.fi Travel","publisher":"issuer","accessed":"2026-10-25"},{"id":"s52","url":"https://help.ether.fi/en/articles/","title":"ether.fi Help Center (home)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s53","url":"https://crypto.news/ether-fi-upgrades-neobank-with-stocks-and-4-loans/","title":"Ether.fi upgrades neobank with stocks and 4% loans","publisher":"press","accessed":"2026-10-25"},{"id":"s54","url":"https://help.ether.fi/en/articles/636570-how-to-get-esim-discounts-with-your-cash-card","title":"How to get eSIM discounts with your Cash card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s55","url":"https://help.ether.fi/en/articles/860025-in-which-countries-are-bank-transfers-available","title":"In which countries are bank transfers available?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s56","publisher":"community","title":"Finek channel post, Sep-12, 2026: ether.fi changes conditions","url":"https://t.me/bankandfintech/912","accessed":"2026-11-05"}],"tests":[{"metric":"fx_markup","value":2.04,"text":"About 2.04% over the mid rate, paying in PLN (reported by Paymentscan; we could not see the test again on Nov-05, 2026)","tester":"Paymentscan","date":null,"src":["s41"]}],"trust":{"licence":{"points":13,"reason":"Card issued by Third National under a Visa licence. ether.fi itself is a Cayman company without a licence of its own.","src":["s34","s35"]},"custody":{"points":17,"reason":"Self-custody Safe smart account; ether.fi says it cannot move funds. The exploit protection program is not live yet.","src":["s24","s21"]},"incidents":{"points":18,"reason":"No freezes, hacks or shutdowns found. Chain migration and the Zeal asset purchase went without user impact; the Sep-2026 loss of the MEXC cashback bonus was a terms change, not a failure.","src":["s46","s37","s56"]},"track_record":{"points":12,"reason":"$1.03B on-chain spend tracked by Paymentscan. Card launch date not published.","src":["s41"]},"transparency":{"points":7,"reason":"Fees and tiers published in the help center, but pages disagree on free cards and the physical card price.","src":["s24"]},"support":{"points":7,"reason":"Trustpilot 3.8; complaints about lockouts and AI-only support. App Store 4.9.","src":["s36","s35"]}},"trustPoints":74,"grade":"B","confidence":95,"best":{"tier":"Core","net":131.04,"pctOfSpend":1.0919999999999999,"lines":[{"label":"Rewards you can spend","usd":180,"note":"$360 paid in a volatile token, counted at 50%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-48.96},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":83,"website":"https://www.ether.fi","inactive":false},{"slug":"crypto-com","name":"Crypto.com Visa Card","brand":"Crypto.com","checked":"2026-11-05","summary":"A custodial prepaid Visa card (virtual and metal) for Crypto.com App users, with up to 4.5% CRO rewards on spend. Since Sept 2025 card tiers sit inside the Level Up programme, unlocked by a monthly/yearly subscription or a 12-month CRO lockup/stake; benefits and fees were cut several times in 2025-2026.","company":{"legal_entity":{"v":"Foris MT Limited (EEA card issuer, e-money institution, Malta); Foris DAX MT Limited (crypto-asset service provider, Malta); ForisGFS UK Limited (UK); Foris, Inc. (US program manager)","src":["s1","s4","s15"]},"hq_country":{"v":null,"note":"Not confirmed from fetched sources; EEA entities are registered in Malta"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published in fetched issuer sources; a July 2026 report of a USD 400M round at USD 20B valuation appeared only on a minor site and was not used"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://crypto.com","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"EEA/LATAM: Foris MT Limited; UK: ForisGFS UK Limited; US: Community Federal Savings Bank (Member FDIC)","src":["s1","s4","s15","s12"],"note":"Canada, Singapore, Australia issuers not checked"},"program_manager":{"v":"Foris, Inc. (US); Crypto.com group entities elsewhere","src":["s15"]},"licences":{"v":["E-money / financial institution licence, Malta (MFSA) - Foris MT Limited, Visa Principal Member (Issuing)","MiCA crypto-asset service provider authorisation, Malta (MFSA) - Foris DAX MT Limited","Bank-issued in US under licence from Visa U.S.A. (Community Federal Savings Bank)"],"src":["s1","s12"]},"regulator":{"v":"Malta Financial Services Authority (EEA); issuing bank regulators in US","src":["s1"]},"card_network":{"v":"Visa","src":["s2","s3"],"note":"Help center says Prepaid Visa; the Bahrain/GCC card is Mastercard, and the EEA FAQ text oddly says Mastercard"},"card_product_level":{"v":"Visa Platinum (prepaid)","src":["s16"],"note":"Per help-center naming; US also offers a separate Crypto.com Visa Signature credit card (not this product)"}},"product":{"status":{"v":"live","src":["s1"]},"launched":{"v":null,"note":"Not published"},"card_kind":{"v":"prepaid","src":["s1","s16"],"note":"Prepaid, must be topped up; not a debit card linked to a bank account"},"forms":{"v":["virtual","physical","metal"],"src":["s16","s17"],"note":"Basic (Midnight Blue) is a non-metal card; Plus and above are metal; virtual cards work online only, no POS/ATM"},"custody":{"v":"custodial","src":["s1","s2"],"note":"Funds sit in the Crypto.com App; crypto is converted to fiat before it is loaded to the card"},"custody_detail":{"v":"Cardholders cannot load cryptocurrency onto the card; all crypto is converted to the market currency at top-up","src":["s1"]},"kyc_level":{"v":"full","src":["s16"],"note":"Account onboarding plus residential address proof to apply"},"kyc_documents":{"v":null,"note":"Address proof required; document list not captured"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"settlement_currency":{"v":"EUR (EEA card); USD, GBP, CAD, AUD, SGD for other issuing regions","src":["s2","s3","s4","s5","s6","s7"]},"card_currencies":{"v":["EUR","GBP","USD","CAD","AUD","SGD"],"src":["s2","s3","s4","s5","s6","s7"],"note":"Card currency follows the issuing region; Bahrain/GCC also exists"}},"tiers":[{"name":"Midnight Blue","currency":"EUR","is_default":true,"price_monthly":{"v":0,"src":["s1"],"note":"Free tier"},"price_annual":{"v":0,"src":["s1"],"note":"Free"},"issuance_virtual":{"v":0,"src":["s16"],"note":"Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)"},"issuance_physical":{"v":4.99,"src":["s2"]},"shipping":{"v":"7-14 business days estimated delivery (EU and UK)","src":["s16"],"note":"A shipping fee may apply to some physical card requests; amount not published"},"replacement_fee":{"v":45.01,"src":["s2"],"note":"EEA residents; card upgrade fee is waived"},"staking_required":{"v":0,"src":["s10"],"note":"No subscription or lockup needed"},"other_requirements":{"v":"Level Up Basic, no requirement","src":["s10"]},"cashback_rate":{"v":0,"src":["s1","s9"],"note":"No spending rewards on Basic"},"cashback_asset":{"v":null,"note":"No rewards on this tier"},"cashback_cap_monthly":{"v":null,"note":"No rewards on this tier"},"cashback_eligible_spend":{"v":null,"note":"No rewards on this tier"},"cashback_exclusions":{"v":null,"note":"No rewards on this tier"},"cashback_vesting":{"v":null,"note":"No rewards on this tier"},"points_program":{"v":"None; rewards are paid directly in CRO","src":["s9"]},"fx_fee":{"v":2,"src":["s2"],"note":"Non-EUR purchases and ATM withdrawals: 0.2% within the EU and UK, 2.0% outside"},"crypto_conversion_fee":{"v":null,"note":"Not published as a card fee; exchange rates are set by jurisdiction and tier"},"topup_fee":{"v":1,"src":["s2"],"note":"1% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account"},"atm_free_monthly":{"v":200,"src":["s2"]},"atm_fee_pct":{"v":2,"src":["s2"],"note":"On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit"},"atm_fee_fixed":{"v":null,"note":"No fixed ATM fee listed"},"atm_limit_daily":{"v":2000,"src":["s2"],"note":"Max 3 withdrawals per day"},"atm_limit_monthly":{"v":10000,"src":["s2"],"note":"Max 30 withdrawals per month"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":25000,"src":["s2"],"note":"POS purchases incl. online; also max card balance 25,000"},"spend_limit_monthly":{"v":25000,"src":["s2"]},"spend_limit_annual":{"v":250000,"src":["s2"],"note":"ATM yearly limit is 75,000"},"inactivity_fee":{"v":6,"src":["s2"],"note":"Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Up to 5% CRO rewards on Crypto.com Travel bookings","Virtual and physical (non-metal) card"],"src":["s1","s16"]}},{"name":"Ruby Steel","currency":"EUR","is_default":false,"price_monthly":{"v":3.99,"src":["s1"],"note":"EUR; or EUR 39.90 yearly. Alternative: EUR 450 CRO lockup"},"price_annual":{"v":39.9,"src":["s1"],"note":"16% off the monthly price"},"issuance_virtual":{"v":0,"src":["s16"],"note":"Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)"},"issuance_physical":{"v":24.99,"src":["s2"],"note":"Free for annual subscribers, monthly subscribers with 6+ months, or anyone with an active lockup/stake"},"shipping":{"v":"7-14 business days estimated delivery (EU and UK)","src":["s16"],"note":"A shipping fee may apply to some physical card requests; amount not published"},"replacement_fee":{"v":50,"src":["s2"],"note":"EEA residents; card upgrade fee is waived"},"staking_required":{"v":{"amount":450,"amount_unit":"EUR value of CRO","asset":"CRO","lock_days":365},"src":["s1","s10","s11"],"note":"Locked 365 days (marketing says 12 months). Unstaking in full only after the lock; ~36-day unbonding, then drops to Basic. Alternative to subscription where one exists"},"other_requirements":{"v":"Level Up Plus: subscription OR CRO lockup/stake (only one needed)","src":["s10"]},"cashback_rate":{"v":1.5,"src":["s1","s9"],"note":"Everyday spend, paid in CRO. Fee-free ATM and FX perks follow the card tier, rewards follow the Level Up plan"},"cashback_asset":{"v":"CRO","src":["s9"],"note":"Credited to the Token Wallet shortly after each eligible purchase"},"cashback_cap_monthly":{"v":750,"src":["s9","s2"],"note":"Monthly spend (USD or equivalent) eligible for rewards, not a cap on the reward amount."},"cashback_eligible_spend":{"v":"All purchases except excluded merchant categories/countries, local or overseas, no minimum spend","src":["s9","s14"]},"cashback_exclusions":{"v":"Excluded MCCs include 4829 (wire transfer), 4900 (utilities), 5734 (software), 5947, 6012, 6051, 6211, 6300, 6513, 6532, 6540, 7372, 8999, 9222, 9311, 9399; Crypto.com may exclude others","src":["s14"]},"cashback_vesting":{"v":"No vesting; rewards credited shortly after purchase","src":["s9"],"note":"Rewards stop if the CRO lockup/stake is unlocked or the subscription lapses (downgrade to Basic)"},"points_program":{"v":"None; rewards are paid directly in CRO","src":["s9"]},"fx_fee":{"v":"0.2% within EU/UK; outside EU/UK 0% up to EUR 400 per calendar month, then 2.0%","src":["s2"],"note":"New from 2026-10-01; before that no FX fee on this tier"},"crypto_conversion_fee":{"v":null,"note":"Not published as a card fee; exchange rates are set by jurisdiction and tier"},"topup_fee":{"v":1,"src":["s2"],"note":"1% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account"},"atm_free_monthly":{"v":400,"src":["s2"]},"atm_fee_pct":{"v":2,"src":["s2"],"note":"On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit"},"atm_fee_fixed":{"v":null,"note":"No fixed ATM fee listed"},"atm_limit_daily":{"v":2000,"src":["s2"],"note":"Max 3 withdrawals per day"},"atm_limit_monthly":{"v":10000,"src":["s2"],"note":"Max 30 withdrawals per month"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":25000,"src":["s2"],"note":"POS purchases incl. online; also max card balance 25,000"},"spend_limit_monthly":{"v":25000,"src":["s2"]},"spend_limit_annual":{"v":250000,"src":["s2"],"note":"ATM yearly limit is 75,000"},"inactivity_fee":{"v":6,"src":["s2"],"note":"Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["CRO rebate on Spotify and Truth+ subscriptions for 3 months (cap USD 13.99 Spotify, USD 9.95 Truth+ per month)","Up to 20% CRO rewards on Crypto.com Travel","Metal card"],"src":["s1","s9","s16"]}},{"name":"Jade Green / Royal Indigo","currency":"EUR","is_default":false,"price_monthly":{"v":24.99,"src":["s1"],"note":"EUR; or EUR 249.90 yearly. Alternative: EUR 4,500 CRO lockup"},"price_annual":{"v":249.9,"src":["s1"],"note":"16% off the monthly price"},"issuance_virtual":{"v":0,"src":["s16"],"note":"Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)"},"issuance_physical":{"v":null,"note":"Only Midnight and Ruby issuance fees are listed; card upgrade fee is waived"},"shipping":{"v":"7-14 business days estimated delivery (EU and UK)","src":["s16"],"note":"A shipping fee may apply to some physical card requests; amount not published"},"replacement_fee":{"v":50,"src":["s2"],"note":"EEA residents; card upgrade fee is waived"},"staking_required":{"v":{"amount":4500,"amount_unit":"EUR value of CRO","asset":"CRO","lock_days":365},"src":["s1","s10","s11"],"note":"Locked 365 days (marketing says 12 months). Unstaking in full only after the lock; ~36-day unbonding, then drops to Basic. Alternative to subscription where one exists"},"other_requirements":{"v":"Level Up Pro: subscription OR CRO lockup/stake (only one needed)","src":["s10"]},"cashback_rate":{"v":2.5,"src":["s1","s9"],"note":"Everyday spend, paid in CRO. Fee-free ATM and FX perks follow the card tier, rewards follow the Level Up plan"},"cashback_asset":{"v":"CRO","src":["s9"],"note":"Credited to the Token Wallet shortly after each eligible purchase"},"cashback_cap_monthly":{"v":1500,"src":["s9","s2"],"note":"Monthly spend (USD or equivalent) eligible for rewards, not a cap on the reward amount."},"cashback_eligible_spend":{"v":"All purchases except excluded merchant categories/countries, local or overseas, no minimum spend","src":["s9","s14"]},"cashback_exclusions":{"v":"Excluded MCCs include 4829 (wire transfer), 4900 (utilities), 5734 (software), 5947, 6012, 6051, 6211, 6300, 6513, 6532, 6540, 7372, 8999, 9222, 9311, 9399; Crypto.com may exclude others","src":["s14"]},"cashback_vesting":{"v":"No vesting; rewards credited shortly after purchase","src":["s9"],"note":"Rewards stop if the CRO lockup/stake is unlocked or the subscription lapses (downgrade to Basic)"},"points_program":{"v":"None; rewards are paid directly in CRO","src":["s9"]},"fx_fee":{"v":"0.2% within EU/UK; outside EU/UK 0% up to EUR 800 per calendar month, then 2.0%","src":["s2"],"note":"New from 2026-10-01; before that no FX fee on this tier"},"crypto_conversion_fee":{"v":null,"note":"Not published as a card fee; exchange rates are set by jurisdiction and tier"},"topup_fee":{"v":1,"src":["s2"],"note":"1% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account"},"atm_free_monthly":{"v":800,"src":["s2"]},"atm_fee_pct":{"v":2,"src":["s2"],"note":"On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit"},"atm_fee_fixed":{"v":null,"note":"No fixed ATM fee listed"},"atm_limit_daily":{"v":2000,"src":["s2"],"note":"Max 3 withdrawals per day"},"atm_limit_monthly":{"v":10000,"src":["s2"],"note":"Max 30 withdrawals per month"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":25000,"src":["s2"],"note":"POS purchases incl. online; also max card balance 25,000"},"spend_limit_monthly":{"v":25000,"src":["s2"]},"spend_limit_annual":{"v":250000,"src":["s2"],"note":"ATM yearly limit is 75,000"},"inactivity_fee":{"v":6,"src":["s2"],"note":"Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["CRO rebate on Spotify, Netflix and Truth+ subscriptions for 6 months (cap USD 13.99 / 13.99 / 9.95 per month)","Priority Pass lounge access: 2 free visits per calendar year (cut from 4 on 2026-10-01 for EU/UK/LATAM); annual subscribers or active lockup/stake only","Priority customer support","Up to 25% CRO rewards on Crypto.com Travel","Choice of card colour","Metal card"],"src":["s1","s9","s13","s16"]}},{"name":"Icy White / Rose Gold","currency":"EUR","is_default":false,"price_monthly":{"v":null,"note":"No subscription option; CRO lockup/stake only"},"price_annual":{"v":null,"note":"No subscription option; CRO lockup/stake only"},"issuance_virtual":{"v":0,"src":["s16"],"note":"Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)"},"issuance_physical":{"v":null,"note":"Only Midnight and Ruby issuance fees are listed; card upgrade fee is waived"},"shipping":{"v":"7-14 business days estimated delivery (EU and UK)","src":["s16"],"note":"A shipping fee may apply to some physical card requests; amount not published"},"replacement_fee":{"v":50,"src":["s2"],"note":"EEA residents; card upgrade fee is waived"},"staking_required":{"v":{"amount":45000,"amount_unit":"EUR value of CRO","asset":"CRO","lock_days":365},"src":["s1","s10","s11"],"note":"Locked 365 days (marketing says 12 months). Unstaking in full only after the lock; ~36-day unbonding, then drops to Basic. Alternative to subscription where one exists"},"other_requirements":{"v":"Level Up Private: CRO lockup/stake only","src":["s10"]},"cashback_rate":{"v":3.5,"src":["s1","s9"],"note":"Everyday spend, paid in CRO. Fee-free ATM and FX perks follow the card tier, rewards follow the Level Up plan"},"cashback_asset":{"v":"CRO","src":["s9"],"note":"Credited to the Token Wallet shortly after each eligible purchase"},"cashback_cap_monthly":{"v":3000,"src":["s9","s2"],"note":"Monthly spend (USD or equivalent) eligible for rewards, not a cap on the reward amount. Above this, rewards drop to 0.5% on the excess."},"cashback_eligible_spend":{"v":"All purchases except excluded merchant categories/countries, local or overseas, no minimum spend","src":["s9","s14"]},"cashback_exclusions":{"v":"Excluded MCCs include 4829 (wire transfer), 4900 (utilities), 5734 (software), 5947, 6012, 6051, 6211, 6300, 6513, 6532, 6540, 7372, 8999, 9222, 9311, 9399; Crypto.com may exclude others","src":["s14"]},"cashback_vesting":{"v":"No vesting; rewards credited shortly after purchase","src":["s9"],"note":"Rewards stop if the CRO lockup/stake is unlocked or the subscription lapses (downgrade to Basic)"},"points_program":{"v":"None; rewards are paid directly in CRO","src":["s9"]},"fx_fee":{"v":0,"src":["s2"],"note":"No FX fee on this tier"},"crypto_conversion_fee":{"v":null,"note":"Not published as a card fee; exchange rates are set by jurisdiction and tier"},"topup_fee":{"v":1,"src":["s2"],"note":"1% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account"},"atm_free_monthly":{"v":800,"src":["s2"]},"atm_fee_pct":{"v":2,"src":["s2"],"note":"On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit"},"atm_fee_fixed":{"v":null,"note":"No fixed ATM fee listed"},"atm_limit_daily":{"v":2000,"src":["s2"],"note":"Max 3 withdrawals per day"},"atm_limit_monthly":{"v":10000,"src":["s2"],"note":"Max 30 withdrawals per month"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":25000,"src":["s2"],"note":"POS purchases incl. online; also max card balance 25,000"},"spend_limit_monthly":{"v":25000,"src":["s2"]},"spend_limit_annual":{"v":250000,"src":["s2"],"note":"ATM yearly limit is 75,000"},"inactivity_fee":{"v":6,"src":["s2"],"note":"Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Permanent CRO rebates on Spotify, Netflix and Truth+","Unlimited Priority Pass lounge visits for the cardholder; free guest access removed from 2026-10-01 (EU/UK/LATAM)","Priority customer support","Up to 30% CRO rewards on Crypto.com Travel","Invitations to sporting and VIP events (Level Up Private page)","Choice of card colour","Metal card"],"src":["s1","s9","s12","s13","s16"]}},{"name":"Obsidian","currency":"EUR","is_default":false,"price_monthly":{"v":null,"note":"No subscription option; CRO lockup/stake only"},"price_annual":{"v":null,"note":"No subscription option; CRO lockup/stake only"},"issuance_virtual":{"v":0,"src":["s16"],"note":"Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)"},"issuance_physical":{"v":null,"note":"Only Midnight and Ruby issuance fees are listed; card upgrade fee is waived"},"shipping":{"v":"7-14 business days estimated delivery (EU and UK)","src":["s16"],"note":"A shipping fee may apply to some physical card requests; amount not published"},"replacement_fee":{"v":50,"src":["s2"],"note":"EEA residents; card upgrade fee is waived"},"staking_required":{"v":{"amount":450000,"amount_unit":"EUR value of CRO","asset":"CRO","lock_days":365},"src":["s1","s10","s11"],"note":"Locked 365 days (marketing says 12 months). Unstaking in full only after the lock; ~36-day unbonding, then drops to Basic. Alternative to subscription where one exists"},"other_requirements":{"v":"Level Up Private: CRO lockup/stake only","src":["s10"]},"cashback_rate":{"v":4.5,"src":["s1","s9"],"note":"Everyday spend, paid in CRO. Fee-free ATM and FX perks follow the card tier, rewards follow the Level Up plan"},"cashback_asset":{"v":"CRO","src":["s9"],"note":"Credited to the Token Wallet shortly after each eligible purchase"},"cashback_cap_monthly":{"v":5000,"src":["s9","s2"],"note":"Monthly spend (USD or equivalent) eligible for rewards, not a cap on the reward amount. Above this, rewards drop to 1.0% on the excess."},"cashback_eligible_spend":{"v":"All purchases except excluded merchant categories/countries, local or overseas, no minimum spend","src":["s9","s14"]},"cashback_exclusions":{"v":"Excluded MCCs include 4829 (wire transfer), 4900 (utilities), 5734 (software), 5947, 6012, 6051, 6211, 6300, 6513, 6532, 6540, 7372, 8999, 9222, 9311, 9399; Crypto.com may exclude others","src":["s14"]},"cashback_vesting":{"v":"No vesting; rewards credited shortly after purchase","src":["s9"],"note":"Rewards stop if the CRO lockup/stake is unlocked or the subscription lapses (downgrade to Basic)"},"points_program":{"v":"None; rewards are paid directly in CRO","src":["s9"]},"fx_fee":{"v":0,"src":["s2"],"note":"No FX fee on this tier"},"crypto_conversion_fee":{"v":null,"note":"Not published as a card fee; exchange rates are set by jurisdiction and tier"},"topup_fee":{"v":1,"src":["s2"],"note":"1% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account"},"atm_free_monthly":{"v":1000,"src":["s2"]},"atm_fee_pct":{"v":2,"src":["s2"],"note":"On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit"},"atm_fee_fixed":{"v":null,"note":"No fixed ATM fee listed"},"atm_limit_daily":{"v":2000,"src":["s2"],"note":"Max 3 withdrawals per day"},"atm_limit_monthly":{"v":10000,"src":["s2"],"note":"Max 30 withdrawals per month"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":25000,"src":["s2"],"note":"POS purchases incl. online; also max card balance 25,000"},"spend_limit_monthly":{"v":25000,"src":["s2"]},"spend_limit_annual":{"v":250000,"src":["s2"],"note":"ATM yearly limit is 75,000"},"inactivity_fee":{"v":6,"src":["s2"],"note":"Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Permanent CRO rebates on Spotify, Netflix and Truth+","Unlimited Priority Pass lounge visits for the cardholder; free guest access removed from 2026-10-01 (EU/UK/LATAM)","Priority customer support","Up to 40% CRO rewards on Crypto.com Travel","Invitations to sporting and VIP events (Level Up Private page)","Metal card"],"src":["s1","s9","s12","s13","s16"]}}],"funding":{"crypto_assets":{"v":"Over 100 cryptocurrencies including BTC and ETH, converted to card currency on top-up","src":["s20"]},"chains":{"v":null,"note":"Depends on Crypto.com App deposits; not captured"},"fiat_topup":{"v":["SEPA (EUR)","FPS (GBP)","Debit/credit card","Cash Account","PayPal (US)","Apple Pay card top-up (AU, SG)"],"src":["s20","s3","s6","s7"]},"deposit_fees":{"v":"Card top-up 1% (EEA/UK; debit 1% and credit 2.99% in US; PayPal 2.1% US)","src":["s2","s3","s20"]},"min_deposit":{"v":"20 (EUR/USD) for card top-ups","src":["s2","s3"]},"spend_from":{"v":"Prepaid balance in card currency after conversion; funds cannot be moved back to the Cash Account once topped up","src":["s20"]}},"payments":{"apple_pay":{"v":"Yes in US, Canada, EU, Australia, Singapore; not in UK or Bahrain/GCC","src":["s18"]},"google_pay":{"v":"Yes in all regions listed (US, CA, EU, UK, AU, SG, Bahrain)","src":["s19"]},"samsung_pay":{"v":"US only","src":["s19"]},"three_d_secure":{"v":true,"src":["s13"],"note":"3DS authentication can be triggered, e.g. during Priority Pass registration check"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":true,"src":["s9"],"note":"Spotify, Netflix, Truth+ rebates work when the card is the payment method; international usage may need enabling"},"restricted_mccs":{"v":"No blanket MCC block published here; 17+ MCCs (wire transfer, utilities, software, financial institutions, brokers, insurance, government) are excluded from rewards only. Purchases at merchants in 21 sanctioned/high-risk countries (EU card: AF, BI, MM, CF, CD, CU, ER, GW, IR, IQ, LB, LY, ML, KP, RU, SO, SS, SD, SY, VE, YE) are blocked","src":["s14"]}},"availability":{"regions":{"v":["US","Canada","EEA","UK","Australia/NZ","Singapore/APAC","Brazil and select LATAM (EU card)","Bahrain and select GCC (Mastercard)"],"src":["s3","s5","s2","s4","s7","s6","s8"]},"countries_supported_count":{"v":null,"note":"No single country count published for the card"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":["AF","BI","MM","CF","CD","CU","ER","GW","IR","IQ","LB","LY","ML","KP","RU","SO","SS","SD","SY","VE","YE"],"src":["s14"],"note":"Merchant countries blocked for the EU card; US/CA/SG lists also add BY, GN, UA, ZW"},"us_available":{"v":true,"src":["s3"],"note":"Prepaid card; ineligible CRO staking states NY, CA, MD, NJ, WI (lockup instead)"},"uk_available":{"v":true,"src":["s4"]},"eea_available":{"v":true,"src":["s2"]}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":"Cash Account with SEPA (EUR) and FPS (GBP) bank transfers","src":["s20"]},"p2p_transfers":{"v":"Card-to-card transfers between Crypto.com cardholders (EEA 100-5,000 EUR daily by tier)","src":["s2","s20"]},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":5,"src":["s11"],"note":"Up to 5% p.a. on idle cash balances for top Level Up plans; the EUR plans page labels the cash-yield feature 'Coming soon'"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":"Single-currency card per region; other currencies at Visa rates","src":["s20"]},"other":{"v":"Level Up bundle: zero trading fees (plans Plus+), CRO staking rewards est. up to 6%, stock-transfer bonus up to 3% (US)","src":["s11","s12"]}},"security":{"card_freeze":{"v":null,"note":"Not checked"},"two_factor":{"v":null,"note":"Not checked"},"biometrics":{"v":null,"note":"Not checked"},"proof_of_reserves":{"v":true,"src":["s26"],"note":"Independent attestation of reserves (first Dec 2022, Mazars); seen via search snippet of the security page"},"insurance":{"v":"USD 750 million crypto custody insurance programme (2021 release)","src":["s27"],"note":"Covers cold storage; cardholder prepaid funds are e-money safeguarded in segregated accounts (UK article)"},"audits":{"v":["ISO/IEC 27001:2022","PCI DSS v4.0 Level 1","SOC 2 Type II","ISO 27701","ISO 22301","NIST CSF Tier 4"],"src":["s26"],"note":"From search snippets of Crypto.com security and news pages"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/crypto-com-trade-every-market/id1262148500","src":["s21"]},"ios_rating":{"v":4.66,"src":["s21"],"note":"US storefront"},"ios_rating_count":{"v":335741,"src":["s21"],"note":"US storefront"},"android_url":{"v":"https://play.google.com/store/apps/details?id=co.mona.android","src":["s22"]},"android_rating":{"v":4.41,"src":["s22"],"note":"693,697 ratings"},"android_installs":{"v":"50M+","src":["s22"]},"languages":{"v":"26 languages on iOS","src":["s21"]},"web_app":{"v":true,"src":["s1"],"note":"Crypto.com Web is referenced by the card FAQ"},"support_channels":{"v":["In-app live chat","chat.crypto.com","Card phone hotlines per region (e.g. EU/UK +33 1 76 42 00 95, US +1 888-824-8817)"],"src":["s1","s18"]},"support_hours":{"v":null,"note":"Not published; priority support for Pro/Private"}},"reputation":{"trustpilot_score":{"v":2,"src":["s23"],"note":"UK Trustpilot site, 'Poor'; the .com page showed 1.5 in a search snippet"},"trustpilot_reviews":{"v":9433,"src":["s23"],"note":"72% are 1-star; about 9,124 on .com snippet"},"common_complaints":{"v":["Withdrawals delayed or denied","Slow scripted support","Account freezes and closures","Card never arrived or hard to fund","Reduced cashback offer"],"src":["s23"]},"common_praise":{"v":["Easy, fast app","Security measures","Support eventually resolves some cases"],"src":["s23"],"note":"Several 5-star reviews are company-invited"}},"adoption":{"users_claimed":{"v":"100 million+ users (May 2024 company announcement)","src":["s25"],"note":"Card holder count not published"},"onchain_spend_all_time_usd":{"v":null,"note":"Not tracked by Paymentscan (custodial, not on-chain)"},"onchain_spend_last_month_usd":{"v":null,"note":"Not tracked by Paymentscan (custodial, not on-chain)"}},"incidents":[{"date":"2022-05","type":"fee change","summary":"Crypto.com cut card rewards and staking yields; CRO fell about 11% as the community reacted.","src":["s28"]},{"date":"2024-11","type":"fee change","summary":"Level Up launched on 2024-11-06 and replaced the legacy cardholder CRO staking/lockup; Expedia, Airbnb, X and Amazon Prime perks later dropped.","src":["s11","s9"]},{"date":"2025-09","type":"fee change","summary":"Subscription option added on 2025-09-02; tiers renamed Basic/Plus/Pro/Private and CRO lockup/stake became one route among two.","src":["s11","s10"]},{"date":"2025-11","type":"fee change","summary":"On 2025-11-02 Expedia, Airbnb, X and Amazon Prime rebates ended for Icy/Rose and Obsidian, and the non-staking 1%/2% card rewards were removed; Truth+ rebate added on 2025-11-13.","src":["s9"]},{"date":"2026-09","type":"fee change","summary":"From 2026-09-10 Level Up CRO lockup yields were cut: Pro 4% to 3%, Private-50k 8.5% to 5%, Obsidian 9% to 6%.","src":["s11"]},{"date":"2026-09","type":"fee change","summary":"From 2026-09-01 (2026-10-01 in EU/UK/LATAM) Pro lounge visits fell from 4 to 2 per year and free guest access for Private was removed.","src":["s13"]},{"date":"2026-10","type":"fee change","summary":"From 2026-10-01 EU/UK (2026-09-01 elsewhere) FX fees start for Ruby/Jade/Indigo above a monthly allowance (2.0%, 3.0% in AU), Midnight Singapore FX rises 0.5% to 2.0%, and inactivity fees rise (EEA 5 to 6; US $4.95 to $5.95).","src":["s2","s3","s5","s6","s7"]}],"referral":{"user_referral_program":{"v":null,"note":"Not checked"},"affiliate_program":{"v":true,"src":["s24"],"note":"Run through Impact.com; applications on the page"},"affiliate_url":{"v":"https://crypto.com/affiliate","src":["s24"]},"affiliate_terms":{"v":"Up to 50% commission/revenue share across products, no earning cap stated; monthly payouts after validation","src":["s24"]}},"regional":[{"region":"US","field":"tiers[0].fx_fee","v":3,"src":["s3"],"note":"USD card; non-USD purchases and ATM withdrawals"},{"region":"US","field":"tiers[1].fx_fee","v":3,"src":["s3"],"note":"USD card; non-USD purchases and ATM withdrawals"},{"region":"US","field":"tiers[2].fx_fee","v":3,"src":["s3"],"note":"USD card; non-USD purchases and ATM withdrawals"},{"region":"US","field":"tiers[3].fx_fee","v":0,"src":["s3"],"note":"No FX fee"},{"region":"US","field":"tiers[4].fx_fee","v":0,"src":["s3"],"note":"No FX fee"},{"region":"US","field":"tiers[0].atm_free_monthly","v":200,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[1].atm_free_monthly","v":400,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[2].atm_free_monthly","v":800,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[3].atm_free_monthly","v":1000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[4].atm_free_monthly","v":1000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[0].atm_limit_monthly","v":5000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[1].atm_limit_monthly","v":10000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[2].atm_limit_monthly","v":10000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[3].atm_limit_monthly","v":10000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[4].atm_limit_monthly","v":10000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[0].atm_limit_daily","v":500,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[1].atm_limit_daily","v":1000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[2].atm_limit_daily","v":2000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[3].atm_limit_daily","v":2000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[4].atm_limit_daily","v":2000,"src":["s3"],"note":"USD"},{"region":"US","field":"tiers[*].inactivity_fee","v":5.95,"src":["s3"],"note":"USD per month; $4.95 until 2026-08-31"},{"region":"US","field":"tiers[0].issuance_physical","v":4.99,"src":["s3"],"note":"USD; Ruby USD 29.99 under the same conditions as elsewhere"},{"region":"US","field":"tiers[0].replacement_fee","v":7,"src":["s3"],"note":"USD; other tiers USD 50"},{"region":"US","field":"tiers[*].topup_fee","v":1,"src":["s3"],"note":"Debit 1%, credit 2.99%, PayPal 2.1% (USD)"},{"region":"US","field":"tiers[0].spend_limit_daily","v":10000,"src":["s3"],"note":"USD; other tiers 25,000. Monthly 15,000 for Midnight vs 25,000"},{"region":"UK","field":"tiers[0].replacement_fee","v":45.01,"src":["s4"],"note":"GBP; other tiers 50"},{"region":"UK","field":"tiers[0].issuance_physical","v":4.99,"src":["s4"],"note":"GBP; Ruby 24.99"},{"region":"UK","field":"tiers[*].inactivity_fee","v":6,"src":["s4"],"note":"GBP per month from 2026-10-01 (5 before)"},{"region":"UK","field":"tiers[1].fx_fee","v":"0.2% in UK/EU; outside 0% up to GBP 400/month then 2.0%","src":["s4"],"note":"Jade/Indigo GBP 800"},{"region":"UK","field":"payments.apple_pay","v":false,"src":["s18"],"note":"Not available for UK cards"},{"region":"Canada","field":"tiers[0].fx_fee","v":2,"src":["s5"],"note":"CAD; Ruby/Jade free up to CAD 700/1,400 per month then 2.0% from 2026-09-01"},{"region":"Canada","field":"tiers[0].issuance_physical","v":4.99,"src":["s5"],"note":"CAD; Ruby CAD 39.99"},{"region":"Singapore","field":"tiers[0].fx_fee","v":2,"src":["s6"],"note":"0.5% until 2026-08-31, 2.0% from 2026-09-01; Ruby free up to SGD 600/month, Jade SGD 1,200"},{"region":"Singapore","field":"tiers[0].atm_free_monthly","v":200,"src":["s6"],"note":"SGD, overseas ATMs only"},{"region":"Singapore","field":"tiers[1].atm_free_monthly","v":400,"src":["s6"],"note":"SGD, overseas ATMs only"},{"region":"Singapore","field":"tiers[2].atm_free_monthly","v":800,"src":["s6"],"note":"SGD, overseas ATMs only"},{"region":"Singapore","field":"tiers[3].atm_free_monthly","v":1000,"src":["s6"],"note":"SGD, overseas ATMs only"},{"region":"Singapore","field":"tiers[4].atm_free_monthly","v":1000,"src":["s6"],"note":"SGD, overseas ATMs only"},{"region":"Singapore","field":"tiers[*].topup_fee","v":0,"src":["s6"],"note":"Debit 0%, credit 1%, Apple Pay top-up 2%"},{"region":"Australia","field":"tiers[0].fx_fee","v":3,"src":["s7"],"note":"AUD; Ruby free up to AUD 700/month then 3.0% from 2026-09-01; Jade AUD 1,400"},{"region":"Australia","field":"tiers[0].atm_free_monthly","v":200,"src":["s7"],"note":"AUD"},{"region":"Australia","field":"tiers[1].atm_free_monthly","v":400,"src":["s7"],"note":"AUD"},{"region":"Australia","field":"tiers[2].atm_free_monthly","v":800,"src":["s7"],"note":"AUD"},{"region":"Australia","field":"tiers[3].atm_free_monthly","v":1000,"src":["s7"],"note":"AUD"},{"region":"Australia","field":"tiers[4].atm_free_monthly","v":1000,"src":["s7"],"note":"AUD"},{"region":"Australia","field":"tiers[0].issuance_physical","v":5.99,"src":["s7"],"note":"AUD; Ruby AUD 49.99"},{"region":"Brazil and LATAM (USD EU-issued)","field":"tiers[0].fx_fee","v":2,"src":["s8"],"note":"Ruby/Jade free up to USD 500/1,000 per month then 2.0% from 2026-10-01"},{"region":"Brazil and LATAM (USD EU-issued)","field":"tiers[0].atm_free_monthly","v":180,"src":["s8"],"note":"USD"},{"region":"Brazil and LATAM (USD EU-issued)","field":"tiers[1].atm_free_monthly","v":360,"src":["s8"],"note":"USD"},{"region":"Brazil and LATAM (USD EU-issued)","field":"tiers[2].atm_free_monthly","v":720,"src":["s8"],"note":"USD"},{"region":"Brazil and LATAM (USD EU-issued)","field":"tiers[3].atm_free_monthly","v":900,"src":["s8"],"note":"USD"},{"region":"Brazil and LATAM (USD EU-issued)","field":"tiers[4].atm_free_monthly","v":900,"src":["s8"],"note":"USD"},{"region":"Brazil and LATAM (USD EU-issued)","field":"tiers[0].spend_limit_daily","v":4400,"src":["s8"],"note":"USD for all tiers; yearly 268,000"},{"region":"Level Up page","field":"tiers[3].cashback_rate","v":3.5,"src":["s12"],"note":"EUR plans page shows Private '3.5-4.5%' back and 8.5%/9.5% lockup yield; the help center says 5%/6% from 2026-09-10, so the plans page looks stale"},{"region":"UK","field":"tiers[0].atm_free_monthly","v":180,"src":["s4"],"note":"GBP per month; 2% above it"},{"region":"UK","field":"tiers[1].atm_free_monthly","v":360,"src":["s4"],"note":"GBP per month; 2% above it"},{"region":"UK","field":"tiers[2].atm_free_monthly","v":720,"src":["s4"],"note":"GBP per month; 2% above it"},{"region":"UK","field":"tiers[3].atm_free_monthly","v":720,"src":["s4"],"note":"GBP per month; 2% above it"},{"region":"UK","field":"tiers[4].atm_free_monthly","v":900,"src":["s4"],"note":"GBP per month; 2% above it"}],"extra":[{"key":"tier_replacement","label":"What replaced the metal-colour tiers","v":"Level Up (launched 2024-11-06; subscription added 2025-09-02): Basic=Midnight Blue, Plus=Ruby Steel, Pro=Jade Green/Royal Indigo, Private=Icy White/Rose Gold (50k tier) and Obsidian (500k tier). Rewards follow the Level Up plan; ATM and FX perks follow the physical card tier.","src":["s9","s10","s11"]},{"key":"us_dollar_stake_amounts","label":"Stake amounts in USD (US and USD markets)","v":"Plus USD 500, Pro USD 5,000, Private USD 50,000 / 500,000 (EEA: EUR 450 / 4,500 / 45,000 / 450,000)","src":["s1","s10"]},{"key":"staking_unbonding","label":"CRO unbonding after unstaking","v":"About 36 days; no Level Up booster or staking rewards during and after it. Upgrading restarts the 365-day clock.","src":["s11"]},{"key":"staking_apr","label":"CRO staking/lockup reward rates (from 2026-09-10)","v":"Lockup: Pro 3%, Private-50k 5%, Obsidian 6%. Staking: Pro up to 3.6%, Private up to 6% (estimates, not guaranteed)","src":["s11"]},{"key":"staking_eligibility","label":"CRO staking available in","v":"Eligible US states, UK, EEA, Switzerland, Australia, New Zealand, Argentina, Brazil, Colombia, Mexico, Peru, Bahrain, Oman, Saudi Arabia, UAE, Kuwait, Philippines, Taiwan, Malaysia; excluded US states NY, CA, MD, NJ, WI (others use lockup)","src":["s11"]},{"key":"rebate_caps","label":"Subscription rebate caps","v":"Spotify USD 13.99, Netflix USD 13.99, Truth+ USD 9.95 per month in CRO; one rebate per merchant per month and one card (prepaid or credit) per month; rebate spend is excluded from regular rewards","src":["s9"]},{"key":"removed_perks","label":"Perks removed","v":"Expedia, Airbnb, X and Amazon Prime rebates ended 2025-11-02 for Icy/Rose and Obsidian; 1%/2% non-staking rewards ended the same day","src":["s9"]},{"key":"downgrade_rules","label":"What happens when you stop paying/staking","v":"Dropped to Basic; rewards stop but the physical card's tier ATM/FX perks continue until renewal, when the card is reissued at the tier of your Level Up plan","src":["s9","s11"]},{"key":"us_credit_card","label":"Related US product","v":"Crypto.com Visa Signature credit card (separate, credit check, up to 6% in CRO for Level Up members) is a different product; US applicants ineligible for it can switch to the prepaid card","src":["s11","s16"]},{"key":"max_balance","label":"Maximum card balance","v":"EEA/UK EUR/GBP 25,000 (US USD 25,000; LATAM USD 22,000)","src":["s2","s3","s8"]},{"key":"close_fee","label":"Account closure fee","v":"EUR/GBP 50 (US not listed; LATAM USD 55)","src":["s2","s4","s8"]},{"key":"travel_rewards","label":"Crypto.com Travel rewards","v":"Up to 5% (Basic), 20% (Plus), 25% (Pro), 30% (Icy/Rose), 40% (Obsidian) in CRO on Crypto.com Travel","src":["s1"]},{"key":"data_conflict_fx","label":"Conflicting FX statements","v":"Level Up plans page still says '0% foreign exchange fees' on Plus/Pro/Private while the fee pages show FX fees for Midnight and, from Sep/Oct 2026, allowances on Ruby/Jade/Indigo","src":["s12","s2"]},{"key":"tier_currency_basis","label":"Basis of tier figures","v":"Tier fields use the EEA/EUR card (the only view with every field from the issuer). US, UK, CA, SG, AU and LATAM differences are in 'regional'.","src":["s1","s2"]}],"sources":[{"id":"s1","url":"https://crypto.com/cards","title":"Crypto.com Visa Card: tiers, rewards, fees (served in EUR / EEA view)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s2","url":"https://help.crypto.com/en/articles/5977463-crypto-com-prepaid-visa-card-fees-and-limits-europe-for-users-with-a-residential-address-in-europe","title":"Prepaid Visa Card Fees and Limits (Europe, EEA residents)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://help.crypto.com/en/articles/5966563-crypto-com-prepaid-visa-card-fees-and-limits-united-states","title":"Prepaid Visa Card Fees and Limits (United States), updated 2026-09-01","publisher":"issuer","accessed":"2026-10-25"},{"id":"s4","url":"https://help.crypto.com/en/articles/5977242-crypto-com-prepaid-visa-card-fees-and-limits-united-kingdom","title":"Prepaid Visa Card Fees and Limits (United Kingdom)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://help.crypto.com/en/articles/5966447-crypto-com-prepaid-visa-card-fees-and-limits-canada","title":"Prepaid Visa Card Fees and Limits (Canada)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s6","url":"https://help.crypto.com/en/articles/6043620-crypto-com-prepaid-visa-card-fees-and-limits-singapore-applicable-to-singapore-residential-address-users-only","title":"Prepaid Visa Card Fees and Limits (Singapore)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s7","url":"https://help.crypto.com/en/articles/5966390-crypto-com-prepaid-visa-card-fees-and-limits-australia-including-new-zealand-residents-holding-australia-issued-cards","title":"Prepaid Visa Card Fees and Limits (Australia/NZ)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s8","url":"https://help.crypto.com/en/articles/9716638-crypto-com-prepaid-visa-card-fees-and-limits-europe-applicable-to-non-europe-residential-address-users-in-brazil-and-select-latam-markets","title":"Prepaid Visa Card Fees and Limits (Brazil and select LATAM, USD)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s9","url":"https://help.crypto.com/en/articles/2742447-crypto-com-prepaid-card-rewards-benefits","title":"Crypto.com Prepaid Card - Rewards & Benefits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://help.crypto.com/en/articles/12017604-how-can-i-join-level-up","title":"How can I join Level Up?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s11","url":"https://help.crypto.com/en/articles/12017612-level-up-rewards-and-benefits","title":"Level Up Rewards and Benefits (CRO lockup/staking rules, legacy tier mapping)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://crypto.com/en/levelup","title":"Level Up plans page (EUR pricing)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s13","url":"https://help.crypto.com/en/articles/7733288-priority-pass-airport-lounge-access","title":"Priority Pass airport lounge access","publisher":"issuer","accessed":"2026-10-25"},{"id":"s14","url":"https://help.crypto.com/en/articles/4597450-restriction-of-cro-rewards-program-and-restricted-markets-for-crypto-com-prepaid-card","title":"Restriction of CRO Rewards Program and Restricted Markets","publisher":"issuer","accessed":"2026-10-25"},{"id":"s15","url":"https://crypto.com/document/us_card.pdf","title":"US Prepaid Visa Card cardholder agreement, effective 2026-09-01","publisher":"issuer","accessed":"2026-10-25"},{"id":"s16","url":"https://help.crypto.com/en/articles/1345769-how-to-apply-for-a-crypto-com-prepaid-card","title":"How to Apply for a Crypto.com Prepaid Card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s17","url":"https://help.crypto.com/en/articles/5199888-virtual-card","title":"Virtual Card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s18","url":"https://help.crypto.com/en/articles/6201686-how-to-set-up-apple-pay-in-your-apple-wallet","title":"How to set up Apple Pay in your Apple Wallet","publisher":"issuer","accessed":"2026-10-25"},{"id":"s19","url":"https://help.crypto.com/en/articles/13396903-how-to-set-up-google-samsung-pay-in-your-google-samsung-wallet","title":"How to set up Google/Samsung Pay","publisher":"issuer","accessed":"2026-10-25"},{"id":"s20","url":"https://help.crypto.com/en/articles/3652696-how-do-i-top-up-my-crypto-com-prepaid-visa-card-eu-uk","title":"How do I top up my Prepaid Visa Card (EU & UK)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s21","url":"https://apps.apple.com/us/app/crypto-com-trade-every-market/id1262148500","title":"Crypto.com App Store listing (via iTunes lookup API, US storefront)","publisher":"app store","accessed":"2026-10-25"},{"id":"s22","url":"https://play.google.com/store/apps/details?id=co.mona.android","title":"Crypto.com on Google Play","publisher":"app store","accessed":"2026-10-25"},{"id":"s23","url":"https://uk.trustpilot.com/review/crypto.com","title":"Crypto.com reviews on Trustpilot (UK site)","publisher":"trustpilot","accessed":"2026-10-25"},{"id":"s24","url":"https://crypto.com/affiliate","title":"Crypto.com Affiliate Programme","publisher":"issuer","accessed":"2026-10-25"},{"id":"s25","url":"https://crypto.com/uk/company-news/cryptocom-surpasses-100-million-global-users","title":"Crypto.com surpasses 100 million global users (May 2024)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s26","url":"https://crypto.com/en/security/","title":"Crypto.com Security","publisher":"issuer","accessed":"2026-10-25"},{"id":"s27","url":"https://crypto.com/us/company-news/crypto-com-expands-insurance-programme-to-one-of-the-industrys-largest-at-usd-750-million","title":"Crypto.com expands insurance programme to USD 750 million (2021)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s28","url":"https://www.fxstreet.com/cryptocurrencies/news/cryptocom-slashes-card-rewards-cro-tokens-drop-11-as-community-reacts-202205021322","title":"Crypto.com slashes card rewards (FXStreet, 2022-05-02)","publisher":"press","accessed":"2026-10-25"}],"trust":{"licence":{"points":24,"reason":"E-money institution in Malta (MFSA), MiCA crypto-asset licence, UK entity, US cards issued by Community Federal Savings Bank.","src":["s1","s12"]},"custody":{"points":12,"reason":"Custodial. Proof of reserves attested and a $750M custody insurance programme; card funds safeguarded as e-money.","src":["s26","s27"]},"incidents":{"points":12,"reason":"Repeated cuts in the last 24 months: perks ended Nov 2025, staking yields cut Sep 2026, new FX fees Oct 2026.","src":["s9","s11","s2"]},"track_record":{"points":15,"reason":"Card running since 2018 at large scale; 100M+ app users claimed.","src":["s25"]},"transparency":{"points":7,"reason":"Detailed fee tables per region, but the plans page still shows 0% FX and old yields.","src":["s1","s11"]},"support":{"points":4,"reason":"Trustpilot 2.0 from 9,400+ reviews, 72% one-star. App Store 4.66 from 335K ratings.","src":["s23","s21"]}},"trustPoints":74,"grade":"B","confidence":89,"best":{"tier":"Ruby Steel","net":22.840000000000003,"pctOfSpend":0.19033333333333338,"lines":[{"label":"Rewards you can spend","usd":67.5,"note":"$135 paid in a volatile token, counted at 50%"},{"label":"Subscription","usd":-44.66},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":0},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":73,"website":"https://crypto.com","inactive":false},{"slug":"wirex-one","name":"Wirex One","brand":"Wirex","checked":"2026-11-05","summary":"Wirex One is Wirex's self-custody stablecoin neobank app (public launch Sep 2026, built on Circle's Arc chain with Privy wallets) with a Visa debit card whose tier, from Base to Bespoke, depends on portfolio size and WPAY token share. It replaced the custodial Wirex App, which was switched off for EEA customers on Sep 30, 2026; the older X-Tras plans (Standard, Premium, Elite) now exist only as carried-over transition tiers.","company":{"legal_entity":{"v":"Wirex Limited (England and Wales, no. 09334596, FCA-authorised EMI, FRN 902025) for card services; UAB Wirex (Lithuania) for EEA card distribution and programme management; Crossmint Europe S.L. (Spain) for crypto services in EEA and UK; Novatti Group Limited for cards in Australia and New Zealand","src":["s16"],"note":"Entity depends on country of residence"},"hq_country":{"v":"United Kingdom","src":["s16"],"note":"Registered office: 9th Floor, 107 Cheapside, London"},"founded":{"v":2014,"src":["s37"],"note":"Site says trusted by over 7 million users since 2014"},"funding_raised_usd":{"v":null,"note":"No cumulative total published; reports conflict (about GBP 3.7M Crowdcube round in 2020, a reported 15M USD 2022 bridge round, CB Insights lists 7.35M USD over 3 rounds)"},"investors":{"v":null,"note":"Not verified from primary sources"},"website":{"v":"https://wirexapp.com","src":["s37"],"note":"Wirex One web app: https://one.wirexapp.com"},"x_handle":{"v":"@wirexapp","src":["s45"]},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Wirex Limited","src":["s16"],"note":"Card-based regulated services in UK, EEA and rest of world; in Australia and New Zealand the issuer is Novatti Group Limited. Wirex says it holds both Visa and Mastercard principal membership (s34)"},"program_manager":{"v":"Wirex (UAB Wirex in the EEA)","src":["s16"],"note":"UAB Wirex handles card distribution and programme management in the EEA"},"licences":{"v":["EMI, UK (FCA, FRN 902025), Wirex Limited","Crypto-asset service provider (CNMV) and payment institution (Bank of Spain), Spain, Crossmint Europe S.L., for crypto services in EEA and UK"],"src":["s16"]},"regulator":{"v":["FCA (UK)","CNMV and Bank of Spain (Crossmint Europe S.L.)"],"src":["s16"]},"card_network":{"v":"Visa","src":["s4","s5"],"note":"Help centre refers to Visa only; Terms say 'such as Visa or Mastercard' and Paymentscan lists Visa and Mastercard (s32, s16)"},"card_product_level":{"v":"Visa Signature (Metal card, Private and Bespoke tiers)","src":["s5"],"note":"Product level for virtual and plastic cards not published"}},"product":{"status":{"v":"live","src":["s17","s6"],"note":"Public launch Sep 2026; card rolls out market by market"},"launched":{"v":"2026-09","src":["s17"],"note":"Public launch; closed beta with 20,000+ users ran from June 2026 (Paymentscan also dates the card to Jun 2026, s32)"},"card_kind":{"v":"debit","src":["s4"],"note":"Help centre: works like any Visa debit card; funds come from the USD/EUR/GBP account balance"},"forms":{"v":["virtual","physical","metal"],"src":["s4"],"note":"Virtual for all; plastic from Premium; metal from Private. Lifetime allowance of 5 cards per account, closed cards count"},"custody":{"v":"self-custody","src":["s15","s16"],"note":"Wirex calls it non-custodial; card, IBAN and bank-transfer services are regulated products provided by Wirex entities"},"custody_detail":{"v":"Wallet keys are generated and sharded by Privy (Shamir shares plus AWS Nitro enclave); sign-in by email and passkey, no seed phrase; the private key can be exported to MetaMask or Phantom. Settlement runs on Circle's Arc blockchain with a privacy layer","src":["s15","s42","s17"]},"kyc_level":{"v":"tiered","src":["s14"],"note":"Receiving and sending crypto onchain needs no KYC; card, bank transfers, Earn and Loans need verification"},"kyc_documents":{"v":"Government photo ID (passport, national ID card or driving licence) plus in-app selfie; residence permits are not accepted","src":["s14"]},"kyc_time":{"v":"A few minutes to a few hours","src":["s14"]},"min_age":{"v":null,"note":"Not published"},"settlement_currency":{"v":"USD","src":["s12","s11"],"note":"Separate USD, EUR and GBP accounts; stablecoin deposits credit 1:1 (USDC/USDT to USD, EURC to EUR)"},"card_currencies":{"v":["USD","EUR","GBP"],"src":["s12"],"note":"Card currency follows the account; UK page of a third party lists GBP (s35). Card limits are published in EUR (s3)"}},"tiers":[{"name":"Wirex One Base","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s20","s2"],"note":"No subscription fee; tier is set by portfolio value and WPAY share"},"price_annual":{"v":0,"src":["s20","s2","s32"],"note":"No annual or membership fee"},"issuance_virtual":{"v":null,"note":"Not published on the Wirex One help centre; legacy Wirex App issuance was free"},"issuance_physical":{"v":"Not available","src":["s1","s4"],"note":"Physical card starts at Premium; Base gets a virtual card only"},"shipping":{"v":null,"note":"Not applicable (virtual only)"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s2","s20"],"note":"No WPAY needed on Base"},"other_requirements":{"v":"Verified identity (KYC) needed to order the card; no minimum portfolio","src":["s14","s2"],"note":"Paymentscan lists a $50 minimum deposit to activate the card; Wirex docs do not mention it"},"cashback_rate":{"v":0.5,"src":["s1","s7"],"note":"Valued in USD"},"cashback_asset":{"v":"USD-valued Reward Points","src":["s7","s8"],"note":"Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balance"},"cashback_cap_monthly":{"v":25,"src":["s8"],"note":"This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)"},"cashback_eligible_spend":{"v":"Eligible card purchases anywhere Visa is accepted","src":["s7","s18"]},"cashback_exclusions":{"v":["ATM withdrawals","Cash advances","Crypto purchases","Gambling","Refunded or cancelled transactions","Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)"],"src":["s7"]},"cashback_vesting":{"v":"Credited once the transaction settles; redeemable up to the monthly redemption cap","src":["s7","s8"],"note":"Rate is fixed by the tier at purchase time and is not adjusted if the tier changes later"},"points_program":{"v":"Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)","src":["s8"]},"fx_fee":{"v":0,"src":["s3","s1"],"note":"Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee or spread on stablecoin deposits into the USD/EUR account (1:1); fees for converting other crypto are shown in-app and not published"},"topup_fee":{"v":0.08,"src":["s10","s12"],"note":"Base: 0.08% on USDT stablecoin deposits (verified). Bank transfers and local card top-ups are free; a conversion fee applies if the top-up currency is USD, as it is processed in EUR"},"atm_free_monthly":{"v":100,"src":["s1","s3"],"note":"Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there"},"atm_fee_pct":{"v":2,"src":["s32"],"note":"Paymentscan: 2% above the monthly allowance. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3)"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":0,"src":["s3"],"note":"Amount in EUR. Virtual card is listed as N/A (no ATM access)"},"atm_limit_monthly":{"v":0,"src":["s3"],"note":"Amount in EUR. Virtual card is listed as N/A"},"spend_limit_per_tx":{"v":30000,"src":["s3"],"note":"Amount in EUR (max purchase)"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":30000,"src":["s3"],"note":"Amount in EUR. Virtual and physical cards"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Virtual Visa card","0% FX fee (per Wirex)","No subscription fee, no lock-up","Passkey login, self-custody wallet"],"src":["s1","s9","s5","s19"]}},{"name":"Wirex One Premium","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s20","s2"],"note":"No subscription fee; tier is set by portfolio value and WPAY share"},"price_annual":{"v":0,"src":["s20","s2","s32"],"note":"No annual or membership fee"},"issuance_virtual":{"v":null,"note":"Not published on the Wirex One help centre; legacy Wirex App issuance was free"},"issuance_physical":{"v":null,"note":"Order fee not published for Wirex One; legacy Wirex App plastic order was free"},"shipping":{"v":"Standard local post (non-trackable) up to 4 weeks, or DHL Express (trackable) 2-5 business days","src":["s4"],"note":"Delivery fees not published for Wirex One; legacy app charged 5 GBP/EUR standard and 15 GBP/EUR express (s25, s26)"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":1,"unit":"percent of portfolio","asset":"WPAY","lock_days":0,"min_portfolio_usd":500},"src":["s2","s20"],"note":"Both conditions must hold at once: portfolio value and WPAY share. Not locked, WPAY can be sold anytime; 24-hour grace if you fall below"},"other_requirements":{"v":"Portfolio at least $500 and at least 1% of it in WPAY","src":["s14","s2"],"note":"Tier is recalculated daily and after relevant transactions"},"cashback_rate":{"v":1,"src":["s1","s7"],"note":"Valued in USD"},"cashback_asset":{"v":"USD-valued Reward Points","src":["s7","s8"],"note":"Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balance"},"cashback_cap_monthly":{"v":100,"src":["s8"],"note":"This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)"},"cashback_eligible_spend":{"v":"Eligible card purchases anywhere Visa is accepted","src":["s7","s18"]},"cashback_exclusions":{"v":["ATM withdrawals","Cash advances","Crypto purchases","Gambling","Refunded or cancelled transactions","Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)"],"src":["s7"]},"cashback_vesting":{"v":"Credited once the transaction settles; redeemable up to the monthly redemption cap","src":["s7","s8"],"note":"Rate is fixed by the tier at purchase time and is not adjusted if the tier changes later"},"points_program":{"v":"Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)","src":["s8"]},"fx_fee":{"v":0,"src":["s3","s1"],"note":"Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee or spread on stablecoin deposits into the USD/EUR account (1:1); fees for converting other crypto are shown in-app and not published"},"topup_fee":{"v":0,"src":["s10","s12"],"note":"Premium: USDT deposits fee-free up to $10,000/mo, then 0.08% above. Bank transfers and local card top-ups free"},"atm_free_monthly":{"v":250,"src":["s1","s3"],"note":"Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there"},"atm_fee_pct":{"v":2,"src":["s32"],"note":"Paymentscan: 2% above the monthly allowance, free on Bespoke. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3); legacy Wirex App charged 2% above 200 GBP/EUR/SGD or 400 AUD per month (s25)"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":750,"src":["s3"],"note":"Amount in EUR. Limits may vary by region and can be raised with extra verification"},"atm_limit_monthly":{"v":5000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_per_tx":{"v":30000,"src":["s3"],"note":"Amount in EUR (max purchase)"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":30000,"src":["s3"],"note":"Amount in EUR. Virtual and physical cards"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Physical plastic card","50% rebate on Uber One (max $5/mo)","Fee-free trading up to $2,500/mo","Earn boost +0.25% crypto / +0.5% stablecoins","Fee-free USDT deposits up to $10,000/mo"],"src":["s1","s9","s5","s19"]}},{"name":"Wirex One Elite","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s20","s2"],"note":"No subscription fee; tier is set by portfolio value and WPAY share"},"price_annual":{"v":0,"src":["s20","s2","s32"],"note":"No annual or membership fee"},"issuance_virtual":{"v":null,"note":"Not published on the Wirex One help centre; legacy Wirex App issuance was free"},"issuance_physical":{"v":null,"note":"Order fee not published for Wirex One; legacy Wirex App plastic order was free"},"shipping":{"v":"Standard local post (non-trackable) up to 4 weeks, or DHL Express (trackable) 2-5 business days","src":["s4"],"note":"Delivery fees not published for Wirex One; legacy app charged 5 GBP/EUR standard and 15 GBP/EUR express (s25, s26)"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":3,"unit":"percent of portfolio","asset":"WPAY","lock_days":0,"min_portfolio_usd":2500},"src":["s2","s20"],"note":"Both conditions must hold at once: portfolio value and WPAY share. Not locked, WPAY can be sold anytime; 24-hour grace if you fall below"},"other_requirements":{"v":"Portfolio at least $2,500 and at least 3% of it in WPAY","src":["s14","s2"],"note":"Tier is recalculated daily and after relevant transactions"},"cashback_rate":{"v":3,"src":["s1","s7"],"note":"Valued in USD"},"cashback_asset":{"v":"USD-valued Reward Points","src":["s7","s8"],"note":"Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balance"},"cashback_cap_monthly":{"v":300,"src":["s8"],"note":"This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)"},"cashback_eligible_spend":{"v":"Eligible card purchases anywhere Visa is accepted","src":["s7","s18"]},"cashback_exclusions":{"v":["ATM withdrawals","Cash advances","Crypto purchases","Gambling","Refunded or cancelled transactions","Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)"],"src":["s7"]},"cashback_vesting":{"v":"Credited once the transaction settles; redeemable up to the monthly redemption cap","src":["s7","s8"],"note":"Rate is fixed by the tier at purchase time and is not adjusted if the tier changes later"},"points_program":{"v":"Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)","src":["s8"]},"fx_fee":{"v":0,"src":["s3","s1"],"note":"Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee or spread on stablecoin deposits into the USD/EUR account (1:1); fees for converting other crypto are shown in-app and not published"},"topup_fee":{"v":0,"src":["s10","s12"],"note":"Elite: USDT deposits fee-free up to $50,000/mo, then 0.08% above. Bank transfers and local card top-ups free"},"atm_free_monthly":{"v":750,"src":["s1","s3"],"note":"Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there"},"atm_fee_pct":{"v":2,"src":["s32"],"note":"Paymentscan: 2% above the monthly allowance, free on Bespoke. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3); legacy Wirex App charged 2% above 200 GBP/EUR/SGD or 400 AUD per month (s25)"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":750,"src":["s3"],"note":"Amount in EUR. Limits may vary by region and can be raised with extra verification"},"atm_limit_monthly":{"v":5000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_per_tx":{"v":30000,"src":["s3"],"note":"Amount in EUR (max purchase)"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":30000,"src":["s3"],"note":"Amount in EUR. Virtual and physical cards"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Physical plastic card","50% rebates on Uber One and ChatGPT Plus (max $15/mo)","Fee-free trading up to $10,000/mo","Earn boost +0.5% crypto / +1.0% stablecoins","Fee-free USDT deposits up to $50,000/mo"],"src":["s1","s9","s5","s19"]}},{"name":"Wirex One Private","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s20","s2"],"note":"No subscription fee; tier is set by portfolio value and WPAY share"},"price_annual":{"v":0,"src":["s20","s2","s32"],"note":"No annual or membership fee"},"issuance_virtual":{"v":null,"note":"Not published on the Wirex One help centre; legacy Wirex App issuance was free"},"issuance_physical":{"v":null,"note":"Metal card order fee not published for Wirex One; legacy Wirex App metal card cost 45 GBP"},"shipping":{"v":"DHL Express, about 2-3 business days","src":["s5"],"note":"Metal page says delivery is free for Bespoke; the membership table (s1) also shows free card delivery for Private, so Private may be free too"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":5,"unit":"percent of portfolio","asset":"WPAY","lock_days":0,"min_portfolio_usd":25000},"src":["s2","s20"],"note":"Both conditions must hold at once: portfolio value and WPAY share. Not locked, WPAY can be sold anytime; 24-hour grace if you fall below"},"other_requirements":{"v":"Portfolio at least $25,000 and at least 5% of it in WPAY","src":["s14","s2"],"note":"Tier is recalculated daily and after relevant transactions"},"cashback_rate":{"v":5,"src":["s1","s7"],"note":"Valued in USD"},"cashback_asset":{"v":"USD-valued Reward Points","src":["s7","s8"],"note":"Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balance"},"cashback_cap_monthly":{"v":1000,"src":["s8"],"note":"This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)"},"cashback_eligible_spend":{"v":"Eligible card purchases anywhere Visa is accepted","src":["s7","s18"]},"cashback_exclusions":{"v":["ATM withdrawals","Cash advances","Crypto purchases","Gambling","Refunded or cancelled transactions","Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)"],"src":["s7"]},"cashback_vesting":{"v":"Credited once the transaction settles; redeemable up to the monthly redemption cap","src":["s7","s8"],"note":"Rate is fixed by the tier at purchase time and is not adjusted if the tier changes later"},"points_program":{"v":"Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)","src":["s8"]},"fx_fee":{"v":0,"src":["s3","s1"],"note":"Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee or spread on stablecoin deposits into the USD/EUR account (1:1); fees for converting other crypto are shown in-app and not published"},"topup_fee":{"v":0,"src":["s10","s12"],"note":"Private: no USDT deposit fee once verified (0.08% before verification)"},"atm_free_monthly":{"v":2500,"src":["s1","s3"],"note":"Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there"},"atm_fee_pct":{"v":2,"src":["s32"],"note":"Paymentscan: 2% above the monthly allowance, free on Bespoke. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3); legacy Wirex App charged 2% above 200 GBP/EUR/SGD or 400 AUD per month (s25)"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":750,"src":["s3"],"note":"Amount in EUR. Limits may vary by region and can be raised with extra verification"},"atm_limit_monthly":{"v":5000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_per_tx":{"v":30000,"src":["s3"],"note":"Amount in EUR (max purchase)"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":75000,"src":["s3"],"note":"Amount in EUR. Metal card monthly limit can be raised on request"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Metal Visa Signature card","Free card delivery (benefits table)","50% rebates on Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro (max $40/mo)","Fee-free trading up to $50,000/mo","Earn boost +1.0% crypto / +2.0% stablecoins","Visa Signature: AirRefund flight-delay claims, SIXT up to 15% off","Named account manager (blog: from Private tier upwards)","Fee-free USDT deposits"],"src":["s1","s9","s5","s19"]}},{"name":"Wirex One Bespoke","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s20","s2"],"note":"No subscription fee; tier is set by portfolio value and WPAY share"},"price_annual":{"v":0,"src":["s20","s2","s32"],"note":"No annual or membership fee"},"issuance_virtual":{"v":null,"note":"Not published on the Wirex One help centre; legacy Wirex App issuance was free"},"issuance_physical":{"v":null,"note":"Metal card order fee not published for Wirex One; legacy Wirex App metal card cost 45 GBP"},"shipping":{"v":"DHL Express, about 2-3 business days","src":["s5"],"note":"Free for Bespoke members"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":10,"unit":"percent of portfolio","asset":"WPAY","lock_days":0,"min_portfolio_usd":50000},"src":["s2","s20"],"note":"Both conditions must hold at once: portfolio value and WPAY share. Not locked, WPAY can be sold anytime; 24-hour grace if you fall below"},"other_requirements":{"v":"Portfolio at least $50,000 and at least 10% of it in WPAY","src":["s14","s2"],"note":"Tier is recalculated daily and after relevant transactions"},"cashback_rate":{"v":8,"src":["s1","s7"],"note":"Valued in USD"},"cashback_asset":{"v":"USD-valued Reward Points","src":["s7","s8"],"note":"Wirex says cashback is paid in USD value, not in volatile tokens; it accrues in a Rewards balance"},"cashback_cap_monthly":{"v":2000,"src":["s8"],"note":"This is the monthly REDEMPTION cap on the Rewards balance, not an earning cap; the excess carries over. Paymentscan lists no cashback earning limit (s32)"},"cashback_eligible_spend":{"v":"Eligible card purchases anywhere Visa is accepted","src":["s7","s18"]},"cashback_exclusions":{"v":["ATM withdrawals","Cash advances","Crypto purchases","Gambling","Refunded or cancelled transactions","Money transfers, financial institutions, quasi-cash, insurance, government, tax, judicial MCCs (full list of about 50 MCCs in the help article)"],"src":["s7"]},"cashback_vesting":{"v":"Credited once the transaction settles; redeemable up to the monthly redemption cap","src":["s7","s8"],"note":"Rate is fixed by the tier at purchase time and is not adjusted if the tier changes later"},"points_program":{"v":"Reward Points valued in USD (cashback, referral bonuses, promos and Smart Perks rebates in one balance)","src":["s8"]},"fx_fee":{"v":0,"src":["s3","s1"],"note":"Wirex lists foreign transaction fee as Free; Paymentscan lists 0.35% and reports a test spread of about 1.25% vs the public reference rate (s32); scheme rates and mark-ups can apply per the Terms (s16)"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee or spread on stablecoin deposits into the USD/EUR account (1:1); fees for converting other crypto are shown in-app and not published"},"topup_fee":{"v":0,"src":["s10","s12"],"note":"Bespoke: no USDT deposit fee once verified (0.08% before verification)"},"atm_free_monthly":{"v":"Unlimited","src":["s1","s3"],"note":"Fee-free allowance in USD per month, confirmed by the Wirex One help centre (s1, s3); the fee charged above it is not stated there"},"atm_fee_pct":{"v":2,"src":["s32"],"note":"Paymentscan: 2% above the monthly allowance, free on Bespoke. Wirex help says only that 'the standard ATM withdrawal fee applies' without giving the rate (s1, s3); legacy Wirex App charged 2% above 200 GBP/EUR/SGD or 400 AUD per month (s25)"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":750,"src":["s3"],"note":"Amount in EUR. Limits may vary by region and can be raised with extra verification"},"atm_limit_monthly":{"v":5000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_per_tx":{"v":30000,"src":["s3"],"note":"Amount in EUR (max purchase)"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":75000,"src":["s3"],"note":"Amount in EUR. Metal card monthly limit can be raised on request"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Metal Visa Signature card","Free DHL Express delivery","50% rebates on Uber One, ChatGPT Plus, Claude Pro, Perplexity Pro, Whoop, Bloomberg Digital, FT (max $87.50/mo)","Unlimited fee-free trading","Earn boost +1.5% crypto / +3.0% stablecoins","Visa Signature: AirRefund, SIXT up to 15% off","Named account manager","Fee-free USDT deposits","Unlimited fee-free ATM withdrawals (Paymentscan)"],"src":["s1","s9","s5","s19"]}},{"name":"Wirex One Base ʷ (transition, ex-X-Tras Standard Enhanced)","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Legacy Wirex App X-Tras plan prices not found in the sources read"},"price_annual":{"v":null,"note":"Legacy Wirex App X-Tras plan prices not found in the sources read"},"issuance_virtual":{"v":0,"src":["s25"],"note":"Legacy Wirex App fee table: card issuance free in all regions"},"issuance_physical":{"v":"Not available","src":["s22","s25"],"note":"Virtual card only"},"shipping":{"v":"UK: Royal Mail 5 GBP (not trackable), DHL Express 15 GBP; EEA: DHL World Mail 5 EUR, DHL Express 15 EUR","src":["s25","s26"],"note":"Legacy Wirex App fee table; other regions in s25"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s23"],"note":"Transition tiers are not assessed against portfolio or WPAY requirements during the transition period; the end date is not published"},"other_requirements":{"v":"Held an active X-Tras plan on the Wirex App when moving to Wirex One (Standard Entry users moved to the new programme immediately)","src":["s22","s24"],"note":"WXT held for legacy tier qualification was placed into a 3-month fixed Earn account at migration"},"cashback_rate":{"v":1,"src":["s22"],"note":"Transition-period rate; mapped from Standard Enhanced"},"cashback_asset":{"v":"USD-valued Reward Points","src":["s22"]},"cashback_cap_monthly":{"v":null,"note":"Redemption cap for transition tiers not published"},"cashback_eligible_spend":{"v":"Eligible card purchases","src":["s22"]},"cashback_exclusions":{"v":"Same exclusions as the Wirex One programme (ATM, cash advances, crypto purchases, gambling, listed MCCs)","src":["s7"],"note":"Assumed to apply to all Wirex One cards; the transition article does not list its own"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":"Reward Points valued in USD","src":["s8"]},"fx_fee":{"v":0,"src":["s22"],"note":"Listed as Free"},"crypto_conversion_fee":{"v":null,"note":"Not published"},"topup_fee":{"v":null,"note":"Deposit fee schedule for transition tiers not published"},"atm_free_monthly":{"v":200,"src":["s25"],"note":"Legacy Wirex App fee table: free up to 200 GBP/EUR/SGD per month (400 AUD); not confirmed for the Wirex One card on carried-over plans"},"atm_fee_pct":{"v":2,"src":["s25"],"note":"Legacy Wirex App: 2% above the free monthly amount"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":750,"src":["s3","s27"],"note":"Amount in EUR; Wirex One physical card limit. Legacy app limit was 500 EUR"},"atm_limit_monthly":{"v":5000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_per_tx":{"v":30000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":30000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Existing Wirex cards keep working (same number, expiry, CVV)","Earn rates: Up to 6.75% crypto / 6.75% stablecoins","Virtual card"],"src":["s22","s24"]}},{"name":"Wirex One Premium ʷ (transition, ex-X-Tras Premium)","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Legacy Wirex App X-Tras plan prices not found in the sources read"},"price_annual":{"v":null,"note":"Legacy Wirex App X-Tras plan prices not found in the sources read"},"issuance_virtual":{"v":0,"src":["s25"],"note":"Legacy Wirex App fee table: card issuance free in all regions"},"issuance_physical":{"v":0,"src":["s22","s25"],"note":"Physical card included from Premium(w); legacy issuance free, delivery fees apply (5 GBP/EUR standard, 15 GBP/EUR express in UK/EEA)"},"shipping":{"v":"UK: Royal Mail 5 GBP (not trackable), DHL Express 15 GBP; EEA: DHL World Mail 5 EUR, DHL Express 15 EUR","src":["s25","s26"],"note":"Legacy Wirex App fee table; other regions in s25"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s23"],"note":"Transition tiers are not assessed against portfolio or WPAY requirements during the transition period; the end date is not published"},"other_requirements":{"v":"Held an active X-Tras plan on the Wirex App when moving to Wirex One (Standard Entry users moved to the new programme immediately)","src":["s22","s24"],"note":"WXT held for legacy tier qualification was placed into a 3-month fixed Earn account at migration"},"cashback_rate":{"v":3,"src":["s22"],"note":"Transition-period rate; mapped from Premium Entry, Enhanced, Ultimate"},"cashback_asset":{"v":"USD-valued Reward Points","src":["s22"]},"cashback_cap_monthly":{"v":null,"note":"Redemption cap for transition tiers not published"},"cashback_eligible_spend":{"v":"Eligible card purchases","src":["s22"]},"cashback_exclusions":{"v":"Same exclusions as the Wirex One programme (ATM, cash advances, crypto purchases, gambling, listed MCCs)","src":["s7"],"note":"Assumed to apply to all Wirex One cards; the transition article does not list its own"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":"Reward Points valued in USD","src":["s8"]},"fx_fee":{"v":0,"src":["s22"],"note":"Listed as Free"},"crypto_conversion_fee":{"v":null,"note":"Not published"},"topup_fee":{"v":null,"note":"Deposit fee schedule for transition tiers not published"},"atm_free_monthly":{"v":200,"src":["s25"],"note":"Legacy Wirex App fee table: free up to 200 GBP/EUR/SGD per month (400 AUD); not confirmed for the Wirex One card on carried-over plans"},"atm_fee_pct":{"v":2,"src":["s25"],"note":"Legacy Wirex App: 2% above the free monthly amount"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":750,"src":["s3","s27"],"note":"Amount in EUR; Wirex One physical card limit. Legacy app limit was 500 EUR"},"atm_limit_monthly":{"v":5000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_per_tx":{"v":30000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":30000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Existing Wirex cards keep working (same number, expiry, CVV)","Earn rates: Up to 7% crypto / 7.25% stablecoins","Virtual and plastic card"],"src":["s22","s24"]}},{"name":"Wirex One Elite ʷ (transition, ex-X-Tras Elite)","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Legacy Wirex App X-Tras plan prices not found in the sources read"},"price_annual":{"v":null,"note":"Legacy Wirex App X-Tras plan prices not found in the sources read"},"issuance_virtual":{"v":0,"src":["s25"],"note":"Legacy Wirex App fee table: card issuance free in all regions"},"issuance_physical":{"v":0,"src":["s22","s25"],"note":"Physical card included from Premium(w); legacy issuance free, delivery fees apply (5 GBP/EUR standard, 15 GBP/EUR express in UK/EEA)"},"shipping":{"v":"UK: Royal Mail 5 GBP (not trackable), DHL Express 15 GBP; EEA: DHL World Mail 5 EUR, DHL Express 15 EUR","src":["s25","s26"],"note":"Legacy Wirex App fee table; other regions in s25"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s23"],"note":"Transition tiers are not assessed against portfolio or WPAY requirements during the transition period; the end date is not published"},"other_requirements":{"v":"Held an active X-Tras plan on the Wirex App when moving to Wirex One (Standard Entry users moved to the new programme immediately)","src":["s22","s24"],"note":"WXT held for legacy tier qualification was placed into a 3-month fixed Earn account at migration"},"cashback_rate":{"v":8,"src":["s22"],"note":"Transition-period rate; mapped from Elite Entry, Enhanced, Ultimate"},"cashback_asset":{"v":"USD-valued Reward Points","src":["s22"]},"cashback_cap_monthly":{"v":null,"note":"Redemption cap for transition tiers not published"},"cashback_eligible_spend":{"v":"Eligible card purchases","src":["s22"]},"cashback_exclusions":{"v":"Same exclusions as the Wirex One programme (ATM, cash advances, crypto purchases, gambling, listed MCCs)","src":["s7"],"note":"Assumed to apply to all Wirex One cards; the transition article does not list its own"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":"Reward Points valued in USD","src":["s8"]},"fx_fee":{"v":0,"src":["s22"],"note":"Listed as Free"},"crypto_conversion_fee":{"v":null,"note":"Not published"},"topup_fee":{"v":null,"note":"Deposit fee schedule for transition tiers not published"},"atm_free_monthly":{"v":200,"src":["s25"],"note":"Legacy Wirex App fee table: free up to 200 GBP/EUR/SGD per month (400 AUD); not confirmed for the Wirex One card on carried-over plans"},"atm_fee_pct":{"v":2,"src":["s25"],"note":"Legacy Wirex App: 2% above the free monthly amount"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":750,"src":["s3","s27"],"note":"Amount in EUR; Wirex One physical card limit. Legacy app limit was 500 EUR"},"atm_limit_monthly":{"v":5000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_per_tx":{"v":30000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":30000,"src":["s3"],"note":"Amount in EUR"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Existing Wirex cards keep working (same number, expiry, CVV)","Earn rates: Up to 7.25% crypto / 7.75% stablecoins","Virtual and plastic card"],"src":["s22","s24"]}}],"funding":{"crypto_assets":{"v":["USDC","USDT","EURC","BTC","ETH","WPAY"],"src":["s39","s37","s18"],"note":"About 70 assets supported in total; app shows the full list"},"chains":{"v":["Arc","Ethereum","Tron","Solana","Polygon"],"src":["s17","s24","s28"],"note":"Non-exhaustive: those named in Wirex docs and status page; the app filters networks per token"},"fiat_topup":{"v":["SEPA","Faster Payments","ACH","Visa/Mastercard debit or credit card (cardholder must be the account holder)","Stablecoin onchain deposit","Salary payments (USD, EUR)"],"src":["s12","s13"]},"deposit_fees":{"v":"Bank transfers, stablecoin deposits and local card top-ups: no Wirex fee, except USDT deposits 0.08% (Base always; Premium above $10,000/mo; Elite above $50,000/mo; free on Private and Bespoke when verified). USD top-up by card incurs a conversion fee because it is processed in EUR","src":["s10","s12"],"note":"Help articles disagree slightly: the funding overview says no fees for stablecoin deposits, the USDT article lists 0.08%"},"min_deposit":{"v":50,"src":["s32"],"note":"Paymentscan: $50 minimum deposit to activate the card; not stated in Wirex docs. Card top-up minimum not published for Wirex One (legacy app: $12)"},"spend_from":{"v":"Balance in the USD, EUR or GBP account (stablecoin-backed, in the user's self-custodial wallet) with FX at scheme rates","src":["s16","s12"]}},"payments":{"apple_pay":{"v":true,"src":["s4"],"note":"Add the card manually in the device wallet. Trustpilot reviewers mention Apple Pay missing after migration (s31)"},"google_pay":{"v":true,"src":["s4"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published for card payments; 3D Secure is mentioned only for card top-ups"},"contactless":{"v":"Yes on physical and metal cards after one successful chip transaction; virtual cards via Apple Pay/Google Pay","src":["s4"],"note":"Visa requirement"},"online_subscriptions":{"v":true,"src":["s9"],"note":"Subscription rebates exist for ChatGPT, Claude, Perplexity, Uber One, Whoop, Bloomberg and FT paid with the card"},"restricted_mccs":{"v":null,"note":"Spend restrictions not published; cashback excludes gambling, quasi-cash, financial and government MCCs (s7)"}},"availability":{"regions":{"v":["Europe (EEA, UK, Switzerland and others)","Asia-Pacific","Middle East and Central Asia","Africa","Latin America"],"src":["s6"]},"countries_supported_count":{"v":73,"src":["s6"],"note":"Card availability list; Wirex group marketing claims 130+ countries overall (s37)"},"countries_supported":{"v":["AD","AT","BE","BG","HR","CY","CZ","DK","EE","FI","FR","DE","GI","GR","GG","HU","IS","IE","IM","IT","JE","LV","LI","LT","LU","MT","MD","MC","ME","NL","NO","PL","PT","RO","RS","SK","SI","ES","SE","CH","UA","GB","AU","HK","JP","MO","MY","NZ","PH","KR","TW","TH","AZ","BH","GE","KZ","OM","AE","UZ","GH","KE","NG","ZA","UG","AR","BR","CL","CO","EC","SV","MX","PA","PE"],"src":["s6"],"note":"Card supported countries as of the Sep 11 help article edit"},"countries_excluded":{"v":null,"note":"No exclusion list published; the US is not on the card list"},"us_available":{"v":false,"src":["s6"],"note":"US not on the Wirex One card country list; ACH deposits exist but the card is not offered"},"uk_available":{"v":true,"src":["s6"]},"eea_available":{"v":true,"src":["s6"]}},"account_features":{"iban":{"v":true,"src":["s24"],"note":"EUR account with IBAN/BIC"},"local_accounts":{"v":["EUR IBAN (SEPA)","USD account and routing number (ACH)","GBP sort code and account number (Faster Payments)"],"src":["s12"]},"p2p_transfers":{"v":true,"src":["s38"],"note":"Send to banks, to any Visa/Mastercard card (Pay-to-Card), or onchain"},"crypto_to_bank_payouts":{"v":true,"src":["s38","s17"],"note":"Stablecoin balances can be sent via SEPA, ACH or Faster Payments; fees shown on the review screen"},"yield_on_balance":{"v":9.75,"src":["s18","s32","s49"],"note":"Maximum APY (stablecoins, top tier, fixed Earn); lower for lower tiers and crypto; rates change without notice. Paymentscan: Base 6.75% up to Bespoke 9.75% on stablecoins"},"crypto_loans":{"v":true,"src":["s40"],"note":"Wirex Credits: borrow against crypto, no credit check, LTV-based liquidation; Paymentscan lists LTV options 20/30/40/60%"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s12"],"note":"USD, EUR and GBP accounts plus crypto wallet"},"other":{"v":["Earn accounts (flexible and fixed)","Crypto trading, fee-free allowance by tier","Tokenised equities and up to 5x perpetuals announced as coming","Smart Perks subscription rebates","Salary deposits"],"src":["s18","s1","s17"]}},"security":{"card_freeze":{"v":true,"src":["s4"],"note":"Instant freeze in the app"},"two_factor":{"v":"Passkey sign-in plus authenticator-app 2FA (TOTP)","src":["s41","s15"]},"biometrics":{"v":true,"src":["s15"],"note":"Passkeys unlocked by Face ID, fingerprint or device PIN"},"proof_of_reserves":{"v":null,"note":"Not applicable or not published; assets sit in user self-custodial wallets"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":"Privy wallet infrastructure described by Wirex as independently audited; no audit report for Wirex One itself found","src":["s15"]}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/wirex-one/id6762381032","src":["s29"]},"ios_rating":{"v":1.87,"src":["s29"],"note":"US storefront, 15 ratings"},"ios_rating_count":{"v":15,"src":["s29"],"note":"US storefront only"},"android_url":{"v":"https://play.google.com/store/apps/details?id=com.wirexapp.one","src":["s30"]},"android_rating":{"v":2.57,"src":["s30"],"note":"About 276 ratings on Google Play"},"android_installs":{"v":"50K+","src":["s30"],"note":"Legacy Wirex App (com.wirex) shows 1M+ installs and 3.8 stars from about 35.6K ratings"},"languages":{"v":["en"],"src":["s29"],"note":"App Store lists English only"},"web_app":{"v":true,"src":["s16"],"note":"https://one.wirexapp.com"},"support_channels":{"v":["In-app help centre and chat/ticket support","Help centre at wirexone.freshdesk.com","Email supportescalations@wirexapp.com (for unmigrated legacy users)"],"src":["s24","s28"]},"support_hours":{"v":"24/7 (marketing claim)","src":["s37"],"note":"Trustpilot reviews report long waits and unanswered tickets (s31)"}},"reputation":{"trustpilot_score":{"v":2.3,"src":["s31"],"note":"Covers Wirex overall, including the legacy app, not Wirex One only"},"trustpilot_reviews":{"v":17652,"src":["s31"],"note":"448 in the last 12 months; 47% five-star, 38% one-star"},"common_complaints":{"v":["Frozen or restricted accounts and slow release of funds","Balances missing or delayed after migration from the old Wirex App","Slow, templated or bot-like support","Refund delays and unauthorised transactions","Missing features after migration (Apple Pay, swaps, price alerts)"],"src":["s31"]},"common_praise":{"v":["Low or near-zero fees for stablecoin to fiat","Fast deposits","Convenient everyday card spending"],"src":["s31"]}},"adoption":{"users_claimed":{"v":"7M+ users across Wirex since 2014 (all products); Wirex One had 20,000+ closed-beta users before launch","src":["s37","s17"],"note":"Wirex One-only user count not published; Paymentscan counts 20,840 active card addresses in Oct 2026 month-to-date (s32)"},"onchain_spend_all_time_usd":{"v":151600000,"src":["s33","s32"],"note":"Paymentscan onchain-tracked Wirex One spend, Jun-Oct 2026 (to Oct 25)"},"onchain_spend_last_month_usd":{"v":47560000,"src":["s32"],"note":"Sep 2026 (last full month). October 2026 month-to-date is 42.25M USD (s33). Jul 24.98M, Aug 34.94M"}},"incidents":[{"date":"2026-11-04","type":"outage","summary":"Outgoing SEPA transfers stopped succeeding and stuck in Processing; new payments flowed again from about 14:00 and older ones waited on a third-party provider.","src":["s28"]},{"date":"2026-11-02","type":"outage","summary":"Card payments were disabled for a time by a technical fault and then restored; outgoing SEPA processing was also degraded the same day.","src":["s28"]},{"date":"2026-10-29","type":"shutdown","summary":"Legacy Wirex App services were discontinued in most markets (not the UK, El Salvador or Private-type customers); affected users must upgrade to Wirex One to see balances.","src":["s28"]},{"date":"2026-10-10","type":"outage","summary":"Card operations were stopped for about 80 minutes after a failure during planned maintenance on a third-party provider's side.","src":["s28"]},{"date":"2026-10-08","type":"outage","summary":"Bank transfers were stuck and processed late until a fix the same day.","src":["s28"]},{"date":"2026-09-30","type":"shutdown","summary":"The legacy custodial Wirex App was discontinued for EEA customers; logins, transactions and card use on it ended, with balances no longer viewable from Oct 1, and unmigrated users told to claim assets by creating a Wirex One profile with the same email.","src":["s28"]},{"date":"2026-09-30","type":"outage","summary":"Card operations were paused during a third-party maintenance problem on the same day as the EEA legacy shutdown.","src":["s28"]},{"date":"2026-08-27","type":"outage","summary":"Outgoing bank transfers from Wirex One failed at an elevated rate after confirmation.","src":["s28"]},{"date":"2026-07-13","type":"outage","summary":"Unexpected card declines for about two hours.","src":["s28"]},{"date":"2026-06-29","type":"outage","summary":"Balance migrations from the Wirex App to Wirex One failed from Jun 28 until a hotfix on Jun 29, with stuck migrations to be reprocessed.","src":["s28"]},{"date":"2026-06-26","type":"outage","summary":"All card transactions were declined for about 55 minutes during an incident.","src":["s28"]},{"date":"2021-02","type":"freeze","summary":"FinTech Futures reported users hit by unexplained account restrictions and disappearing funds on the older Wirex service.","src":["s43"]}],"referral":{"user_referral_program":{"v":true,"src":["s8"],"note":"A referral programme sits under Rewards; bonuses are paid as Reward Points; amounts not found"},"affiliate_program":{"v":true,"src":["s37"],"note":"affiliates@wirexapp.com is listed as a contact on the Wirex site; no public programme terms found"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"UK","field":"tiers[1..4].perks (Smart Perks monthly rebate cap)","v":"Premium GBP 4, Elite GBP 12, Private GBP 32, Bespoke GBP 70 (global model: USD 5, 15, 40, 87.50)","src":["s9","s1"]},{"region":"UK","field":"tier qualification","v":"Third-party report: UK tiers depend only on 30-day average GBP fiat and e-money balance, thresholds Premium GBP 1,000, Elite 20,000, Private 40,000, Bespoke 200,000, with crypto and WPAY not counting. Wirex's own help centre says only that UK tiers rest on total portfolio value. Unverified","src":["s35","s23"]},{"region":"UK","field":"issuer","v":"Wirex Limited (FCA EMI, FRN 902025); crypto services by Crossmint Europe S.L.","src":["s16"]},{"region":"EEA","field":"issuer","v":"Cards by Wirex Limited; distribution and programme management by UAB Wirex (Lithuania); crypto services by Crossmint Europe S.L. (Spain)","src":["s16"]},{"region":"EEA","field":"legacy_app","v":"Legacy Wirex App discontinued Sep 30, 2026","src":["s28"]},{"region":"Australia and New Zealand","field":"issuer","v":"Card-based regulated service provided by Novatti Group Limited","src":["s16"]},{"region":"UK","field":"legacy_app.atm_free_monthly","v":"Legacy Wirex App: 200 GBP free per month, then 2%","src":["s26","s25"]},{"region":"EEA","field":"legacy_app.atm_free_monthly","v":"Legacy Wirex App: 200 EUR free per month, then 2%","src":["s25"]},{"region":"Singapore","field":"legacy_app.atm_free_monthly","v":"Legacy Wirex App: 200 SGD free per month, then 2%","src":["s25"]},{"region":"Australia","field":"legacy_app.atm_free_monthly","v":"Legacy Wirex App: 400 AUD free per month, then 2%","src":["s25"]},{"region":"UK","field":"legacy_app.card_delivery","v":"Plastic: Royal Mail 5 GBP (not trackable) or DHL Express 15 GBP; Metal: 45 GBP order fee with free DHL Express","src":["s26"]},{"region":"EEA","field":"legacy_app.card_delivery","v":"DHL World Mail 5 EUR (not trackable), DHL Express 15 EUR","src":["s25"]},{"region":"Hong Kong","field":"legacy_app.card_delivery","v":"Local post 39 HKD, DHL Express 238 HKD","src":["s25"]},{"region":"Australia","field":"legacy_app.card_delivery","v":"AustralianPost 1 AUD","src":["s25"]}],"extra":[{"key":"product_split","label":"Which product each tier belongs to","v":"Base, Premium, Elite, Private, Bespoke are Wirex One membership tiers (self-custody app, launched Sep 2026). The classic Wirex App X-Tras plans (Standard, Premium, Elite, paid via WXT/fees, custodial) were carried over as Base(w), Premium(w), Elite(w) transition tiers marked with a w; the legacy app is read-only and was switched off for EEA customers on Sep 30, 2026. Standard Entry users moved straight to the new programme.","src":["s22","s23","s24","s28"]},{"key":"membership_thresholds","label":"Tier thresholds","v":"Premium: portfolio of at least $500 and 1% in WPAY; Elite: $2,500 and 3%; Private: $25,000 and 5%; Bespoke: $50,000 and 10%. Under $500 stays on Base. Both conditions must hold; recalculated daily; 24-hour grace if you fall below. Portfolio counts fiat and crypto in the account plus Earn accounts","src":["s2","s46","s47"]},{"key":"redemption_caps","label":"Monthly cashback redemption cap","v":"Base $25, Premium $100, Elite $300, Private $1,000, Bespoke $2,000; unredeemed rewards carry over. Paymentscan example: $1,000 of WPAY gives $70 monthly redemption power","src":["s8","s32"]},{"key":"fee_free_trading","label":"Fee-free trading allowance per month","v":"Base none, Premium $2,500, Elite $10,000, Private $50,000, Bespoke unlimited (Paymentscan lists a different exchange allowance: Base $500, Premium $2,500, Elite $10,000, Private $50,000)","src":["s1","s32"]},{"key":"earn_boosts","label":"Earn rate boosts by tier","v":"Crypto: Premium +0.25%, Elite +0.5%, Private +1.0%, Bespoke +1.5%. Stablecoins: +0.5%, +1.0%, +2.0%, +3.0%. Paymentscan max APY stablecoins: Base 6.75%, Premium 7.25%, Elite 7.75%, Private 8.75%, Bespoke 9.75%","src":["s1","s32"]},{"key":"smart_perks","label":"Smart Perks subscription rebates","v":"50% back in USD on standard-plan price, paid by the 10th of the next month, only when paying with the Wirex One card: Uber One (Premium+), ChatGPT Plus (Elite+), Claude Pro and Perplexity Pro (Private+), Whoop, Bloomberg Digital and FT (Bespoke). Base gets none","src":["s9","s1"]},{"key":"visa_signature_perks","label":"Metal card Visa Signature benefits","v":"AirRefund flight disruption claims and up to 15% off SIXT rentals; blog also mentions airport lounge access and a named account manager from Private","src":["s5","s21","s19"]},{"key":"card_allowance","label":"Card issuance allowance","v":"Lifetime allowance of 5 cards per account across all types; closing a card does not free a slot; physical and metal cards need activation; contactless works after one chip transaction","src":["s4"]},{"key":"deposit_usdt_fee","label":"USDT deposit fee by tier","v":"Base 0.08%; Premium free to $10,000/mo; Elite free to $50,000/mo; Private and Bespoke free. Unverified accounts pay 0.08% on all tiers","src":["s10"]},{"key":"wpay_token","label":"WPAY token role","v":"WPAY is Wirex's utility token; no lock-up and no subscription, but tiers can drop if the WPAY share falls (including from price moves). Third-party review flags this as a risk","src":["s20","s2","s47"]},{"key":"atm_fee_conflict","label":"Conflict: ATM fees","v":"Wirex marketing promises fee-free ATM withdrawals worldwide, but the Wirex One help centre publishes no ATM fee or allowance. Paymentscan lists 2% above a monthly allowance ($100 Base up to unlimited Bespoke). Treat the allowance as unconfirmed","src":["s18","s3","s32"]},{"key":"fx_fee_conflict","label":"Conflict: FX fee","v":"Wirex lists a 0% foreign transaction fee; Paymentscan lists 0.35% and measured a spread of about 1.25% against the public reference rate on non-USD purchases","src":["s3","s32"]},{"key":"volume_difference","label":"Wirex One card spend vs Wirex's $2B annualised figure","v":"Paymentscan tracks onchain spend of the Wirex One card only: 151.6M USD all-time (Jun-Oct 2026), 42.25M USD in Oct 2026 to date. The $2B annualised onchain card spend figure (reported by CryptoCards.so for the week of Oct 19-25, 2026, per the requester; not independently re-read) comes from Wirex BaaS, which issues cards for 70+ partner programmes such as BingX, COCA and Kolo, so it is far larger than Wirex One alone. Wirex's own post says Wirex BaaS hit $2B annualised in July 2026; SpendNode reported over 160M USD of July spend","src":["s33","s32","s34","s36"]},{"key":"issuer_network_status","label":"Card scheme membership","v":"Wirex says it is one of few crypto-native firms with both Visa and Mastercard principal membership","src":["s34"]},{"key":"transparency_report","label":"Transparency report","v":"Wirex publishes half-yearly transparency reports; an H1 2026 post claims over 650,000 of financial crime stopped","src":["s50"]},{"key":"migration_notes","label":"Migration from Wirex App","v":"Wirex One supports about 70 assets; delisted tokens are not carried over; active Multiply deals are closed; crypto deposit addresses change (old addresses may lose funds); app transaction history is not carried over; external linked cards must be re-linked; WXT for legacy tiers goes into a 3-month fixed Earn account","src":["s24"]},{"key":"privacy_layer","label":"Transaction privacy","v":"Runs on Circle's Arc with a built-in privacy layer so balances and transactions are encrypted on-chain; Wirex still performs required KYC and compliance checks","src":["s42"]}],"sources":[{"id":"s1","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088364-membership-levels-benefits","title":"Wirex One Help: Membership levels benefits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088362-wirex-one-membership-how-it-works","title":"Wirex One Help: Membership - how it works","publisher":"issuer","accessed":"2026-10-25"},{"id":"s3","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088413-card-limits-and-fees","title":"Wirex One Help: Card limits and fees","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000089559-your-wirex-one-card","title":"Wirex One Help: Your Wirex One card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s5","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088414-wirex-one-metal-card","title":"Wirex One Help: Wirex One Metal Card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s6","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088412-wirex-one-card-supported-countries","title":"Wirex One Help: Card supported countries","publisher":"issuer","accessed":"2026-10-25"},{"id":"s7","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088366-how-cashback-works","title":"Wirex One Help: How cashback works","publisher":"issuer","accessed":"2026-10-25"},{"id":"s8","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088365-your-rewards-balance","title":"Wirex One Help: Your Rewards balance","publisher":"issuer","accessed":"2026-10-25"},{"id":"s9","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088343-subscription-rebates","title":"Wirex One Help: Subscription rebates","publisher":"issuer","accessed":"2026-10-25"},{"id":"s10","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000089542-how-to-waive-usdt-deposit-fees","title":"Wirex One Help: How to waive USDT deposit fees","publisher":"issuer","accessed":"2026-10-25"},{"id":"s11","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088523-how-to-top-up-your-usd-or-eur-account-via-stablecoin-deposit","title":"Wirex One Help: Top up via stablecoin deposit","publisher":"issuer","accessed":"2026-10-25"},{"id":"s12","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088524-how-to-add-funds-to-your-account-usd-eur-gbp-","title":"Wirex One Help: How to add funds (USD, EUR, GBP)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s13","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088354-how-to-top-up-with-a-debit-or-credit-card","title":"Wirex One Help: Top up with a debit or credit card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s14","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088129-how-to-start-the-kyc-verification-process","title":"Wirex One Help: KYC verification","publisher":"issuer","accessed":"2026-10-25"},{"id":"s15","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088551-wallets-keys-passkeys-faq","title":"Wirex One Help: Wallets, keys, passkeys FAQ","publisher":"issuer","accessed":"2026-10-25"},{"id":"s16","url":"https://www.wirexapp.com/legal/one/terms","title":"Wirex One Terms of Service","publisher":"issuer","accessed":"2026-10-25"},{"id":"s17","url":"https://www.wirexapp.com/post/wirex-one-launches-publicly-on-arc-bringing-stablecoin-private-banking-to-the-mass-affluent-market","title":"Wirex blog: Wirex One launches publicly on Arc","publisher":"issuer","accessed":"2026-10-25"},{"id":"s18","url":"https://www.wirexapp.com/post/meet-wirex-one-a-single-app-for-spending-earning-true-ownership","title":"Wirex blog: Meet Wirex One","publisher":"issuer","accessed":"2026-10-25"},{"id":"s19","url":"https://www.wirexapp.com/post/wirex-one-private-banking-designed-for-you","title":"Wirex blog: Wirex One private banking designed for you","publisher":"issuer","accessed":"2026-10-25"},{"id":"s20","url":"https://www.wirexapp.com/post/discover-wirex-one-s-new-membership-model","title":"Wirex blog: Discover Wirex One's new membership model","publisher":"issuer","accessed":"2026-10-25"},{"id":"s21","url":"https://www.wirexapp.com/post/already-got-a-wirex-app-account-and-interested-in-joining-wirex-one","title":"Wirex blog: Already got a Wirex App account","publisher":"issuer","accessed":"2026-10-25"},{"id":"s22","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088369-wirex-app-x-tras-plans-vs-wirex-one-membership","title":"Wirex One Help: Wirex App X-Tras plans vs Wirex One membership","publisher":"issuer","accessed":"2026-10-25"},{"id":"s23","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000089408-your-x-tras-plan-in-wirex-one-how-long-it-lasts-and-how-to-switch","title":"Wirex One Help: Your X-Tras plan in Wirex One","publisher":"issuer","accessed":"2026-10-25"},{"id":"s24","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088360-upgrade-to-wirex-one-what-to-expect","title":"Wirex One Help: Upgrade to Wirex One - what to expect","publisher":"issuer","accessed":"2026-10-25"},{"id":"s25","url":"https://help.wirexapp.com/article/wirex-fees-1379","title":"Wirex App (legacy) Help: Wirex Fees","publisher":"issuer","accessed":"2026-10-25"},{"id":"s26","url":"https://help.wirexapp.com/article/wirex-fees-uk-1395","title":"Wirex App (legacy) Help: Wirex Fees (UK)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s27","url":"https://help.wirexapp.com/article/wirex-limits-1380","title":"Wirex App (legacy) Help: Wirex Limits","publisher":"issuer","accessed":"2026-10-25"},{"id":"s28","url":"https://status.wirexapp.com/api/v2/incidents.json","title":"Wirex status page incident history (Statuspage API)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s29","url":"https://apps.apple.com/us/app/wirex-one/id6762381032","title":"Wirex One on the App Store (US storefront, via iTunes lookup API)","publisher":"app store","accessed":"2026-10-25"},{"id":"s30","url":"https://play.google.com/store/apps/details?id=com.wirexapp.one","title":"Wirex One on Google Play","publisher":"app store","accessed":"2026-10-25"},{"id":"s31","url":"https://www.trustpilot.com/review/wirexapp.com","title":"Wirex on Trustpilot","publisher":"trustpilot","accessed":"2026-10-25"},{"id":"s32","url":"https://paymentscan.xyz/cards/wirex-one","title":"Paymentscan: Wirex One card stats","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s33","url":"https://paymentscan.xyz","title":"Paymentscan (onchain card spend tracker), figures supplied by requester","publisher":"paymentscan","accessed":"2026-10-25"},{"id":"s34","url":"https://www.wirexapp.com/post/wirex-baas-doubles-annualised-volume-to-2b-in-110-days-as-stablecoin-based-financial-services-accel","title":"Wirex blog: Wirex BaaS doubles annualised volume to $2B","publisher":"issuer","accessed":"2026-10-25"},{"id":"s35","url":"https://penchan.co/cards/gb/wirex/","title":"Penchan: Wirex One Card (UK page), third-party and possibly affiliate-driven","publisher":"other","accessed":"2026-10-25"},{"id":"s36","url":"https://www.spendnode.io/blog/wirex-2b-annualized-card-spend-august-2026/","title":"SpendNode: Wirex $2B annualised card spend (Aug 2026)","publisher":"press","accessed":"2026-10-25"},{"id":"s37","url":"https://www.wirexapp.com/personal","title":"Wirex One personal page","publisher":"issuer","accessed":"2026-10-25"},{"id":"s38","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088334-how-to-send-money-from-your-account-usd-eur-gbp-","title":"Wirex One Help: How to send money (USD, EUR, GBP)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s39","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088117-how-to-receive-crypto","title":"Wirex One Help: How to receive crypto","publisher":"issuer","accessed":"2026-10-25"},{"id":"s40","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088382-unlock-instant-liquidity-with-wirex-loans","title":"Wirex One Help: Wirex Loans","publisher":"issuer","accessed":"2026-10-25"},{"id":"s41","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088351-managing-your-security-settings","title":"Wirex One Help: Managing your security settings","publisher":"issuer","accessed":"2026-10-25"},{"id":"s42","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088550-privacy-confidentiality-faq","title":"Wirex One Help: Privacy and confidentiality FAQ","publisher":"issuer","accessed":"2026-10-25"},{"id":"s43","url":"https://www.fintechfutures.com/venture-capital-funding/exclusive-wirex-users-hit-by-unexplained-account-restrictions-and-disappearing-funds","title":"FinTech Futures: Wirex users hit by unexplained account restrictions","publisher":"press","accessed":"2026-10-25"},{"id":"s45","url":"https://help.wirexapp.com/","title":"Wirex App (legacy) Help Center home","publisher":"issuer","accessed":"2026-10-25"},{"id":"s46","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088367-how-to-unlock-the-next-membership-level-","title":"Wirex One Help: How to unlock the next membership level","publisher":"issuer","accessed":"2026-10-25"},{"id":"s47","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088368-what-to-do-if-your-tier-is-at-risk","title":"Wirex One Help: What to do if your tier is at risk","publisher":"issuer","accessed":"2026-10-25"},{"id":"s48","url":"https://www.wirexapp.com/pages-sitemap.xml","title":"wirexapp.com pages sitemap (lists business-cards and business pages)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s49","url":"https://wirexone.freshdesk.com/support/solutions/articles/76000088185-interest-explained","title":"Wirex One Help: Earn interest explained","publisher":"issuer","accessed":"2026-10-25"},{"id":"s50","url":"https://www.wirexapp.com/blog-posts-sitemap.xml","title":"wirexapp.com blog sitemap","publisher":"issuer","accessed":"2026-10-25"},{"id":"s51","url":"https://cryptonoshi.com/product/wirex-one-card/","title":"Cryptonoshi review of Wirex One, page updated Oct-19, 2026","publisher":"review","accessed":"2026-11-05"}],"tests":[{"metric":"fx_markup","value":1.25,"text":"About 1.25% between the rate Wirex One applied and the public reference rate; no separate FX fee shown in the app","tester":"Paymentscan","date":null,"src":["s32"]},{"metric":"conversion_spread","value":1.5,"text":"Crypto-to-fiat sell spread of about 1.5% when spending crypto in EUR","tester":"Cryptonoshi","date":null,"src":["s51"]}],"trust":{"licence":{"points":22,"reason":"Wirex Limited is an FCA-authorised e-money institution; EEA crypto services under Spain's CNMV and Bank of Spain.","src":["s16"]},"custody":{"points":15,"reason":"Self-custody wallet with keys sharded by Privy; card and IBAN services run by regulated Wirex entities.","src":["s15","s16"]},"incidents":{"points":6,"reason":"Card outages on Jun-26, Jul-13, Sep-30, Oct-10 and Nov-02, 2026, transfer outages in Aug, Oct and Nov, failed balance migrations, and the legacy app shut down in stages from Sep-30.","src":["s28"]},"track_record":{"points":10,"reason":"Wirex has run cards since 2014 with 7M+ users claimed; Wirex One itself launched Sep 2026 with $152M on-chain spend.","src":["s37","s33"]},"transparency":{"points":5,"reason":"Fees published, but the ATM fee rate is missing (only the allowances are stated) and the stated 0% FX differs from the measured 1.25%.","src":["s16","s32"]},"support":{"points":2,"reason":"App Store 1.87 from 15 ratings, Google Play 2.57, Trustpilot 2.3 for Wirex overall.","src":["s29","s30","s31"]}},"trustPoints":60,"grade":"C","confidence":95,"best":{"tier":"Wirex One Base","net":20.4,"pctOfSpend":0.16999999999999998,"lines":[{"label":"Rewards you can spend","usd":60},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-30},{"label":"Fees on every purchase","usd":-9.6},{"label":"Cost of locked money","usd":0}]},"score":66,"website":"https://wirexapp.com","inactive":false},{"slug":"metamask","name":"MetaMask Card","brand":"MetaMask","checked":"2026-11-05","summary":"MetaMask Card is a Mastercard debit card that spends directly from your self-custody MetaMask wallet or Money Account, with Crypto Life as program manager. The free Virtual card pays 1% back in mUSD; new US sign-ups and new Metal orders are paused.","company":{"legal_entity":{"v":"Crypto Life (card program manager); MetaMask is a Consensys product","src":["s2","s3"],"note":"Crypto Life manages card accounts and personal data, not MetaMask"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://metamask.com/card","src":["s4"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Monovate","src":["s3"],"note":"Named in the issuer FAQ (spelled Monovate); Paymentscan uses the spelling Monavate. Paymentscan lists only the program manager."},"program_manager":{"v":"Crypto Life","src":["s2","s3"]},"licences":{"v":null,"note":"Not published on the issuer pages checked"},"regulator":{"v":null,"note":"Not published on the issuer pages checked"},"card_network":{"v":"Mastercard","src":["s2","s3"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s2","s7","s4"],"note":"New US sign-ups are paused and new Metal card orders are unavailable; the free Virtual card is open in the other supported countries and existing cardholders are not affected."},"launched":{"v":"2024-04","src":["s8"],"note":"Per Paymentscan"},"card_kind":{"v":"debit","src":["s3"],"note":"The FAQ says no credit check because it is a debit card"},"forms":{"v":["virtual"],"src":["s2"],"note":"Metal physical card exists but is not currently available to new users"},"custody":{"v":"self-custody","src":["s5"],"note":"Spending uses self-custody MetaMask accounts; the page does not describe custody of the Money Account"},"custody_detail":{"v":"You approve a spending limit per token from your wallet and funds stay in it until spent; the limit can be revoked at any time.","src":["s5"]},"kyc_level":{"v":"full","src":["s7"],"note":"Email, phone confirmation and identity verification, with proof of residency"},"kyc_documents":{"v":null,"note":"Documents not listed; proof of residency is required"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s3"],"note":"Personal sign-up only on the pages checked"},"settlement_currency":{"v":null,"note":"Card is denominated in the cardholder local currency (USD for US and Argentina)"},"card_currencies":{"v":null,"note":"Not published"}},"tiers":[{"name":"Virtual","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"]},"price_annual":{"v":0,"src":["s1"],"note":"Free tier"},"issuance_virtual":{"v":0,"src":["s1","s2"]},"issuance_physical":{"v":null,"note":"No physical card for new sign-ups; the Metal physical card is not open to new users"},"shipping":{"v":null,"note":"Virtual card, nothing shipped"},"replacement_fee":{"v":null,"note":"Not applicable to the Free tier (the $99 replacement fee is for Metal)"},"staking_required":{"v":0,"src":["s1"],"note":"No fee to delegate funds and no minimum balance"},"other_requirements":{"v":"Proof of residency and KYC through Crypto Life; a MetaMask account","src":["s2","s7"]},"cashback_rate":{"v":1,"src":["s3","s6","s7"],"note":"1% back on each eligible transaction"},"cashback_asset":{"v":"mUSD","src":["s3","s6"],"note":"Claimed on-chain from the Money Account or the card dashboard"},"cashback_cap_monthly":{"v":null},"cashback_eligible_spend":{"v":"Eligible card transactions","src":["s3"]},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"No vesting period mentioned; no payout schedule given"},"points_program":{"v":"Blackbird dining earns 5X $FLY","src":["s3"]},"fx_fee":{"v":1,"src":["s1"],"note":"Cross-border fee on the Free tier. A Paymentscan test of a PLN payment measured about 2.1% over the reference rate (see tests)."},"crypto_conversion_fee":{"v":0.875,"src":["s1"],"note":"Other crypto such as wETH 0.875%. Stablecoins: 0% in the card or merchant local currency, 0.5% otherwise. DeFi or yield tokens: free up to $1,200 a month, then 0.5%."},"topup_fee":{"v":0,"src":["s1","s5"],"note":"No fee to delegate funds; network gas only, typically about $0.01"},"atm_free_monthly":{"v":0,"src":["s1"],"note":"Free tier pays 2%"},"atm_fee_pct":{"v":2,"src":["s1"],"note":"The ATM operator may charge extra"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":1000,"src":["s1"]},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":10000,"src":["s1"]},"spend_limit_daily":{"v":15000,"src":["s1"]},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s3"],"note":"No annual or maintenance fees for the Virtual card"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Hotel bookings via MetaMask Card Travel earn extra mUSD back","Blackbird dining earns 5X $FLY"],"src":["s6","s3"]}}],"funding":{"crypto_assets":{"v":["mUSD","USDC","USDT","wETH","EURe","GBPe","EURC"],"src":["s5"],"note":"Varies by network"},"chains":{"v":["Linea","Solana","Base","Monad"],"src":["s5"],"note":"New York and Texas: Linea and Base only"},"fiat_topup":{"v":["Buy or swap in MetaMask Mobile 8.0+ (Add funds)"],"src":["s5"],"note":"Methods not named"},"deposit_fees":{"v":"No fee to delegate funds; network gas only","src":["s1","s5"]},"min_deposit":{"v":0,"src":["s1"]},"spend_from":{"v":"Directly from the wallet or Money Account, converted at payment","src":["s5"]}},"payments":{"apple_pay":{"v":true,"src":["s6","s7"]},"google_pay":{"v":true,"src":["s6"],"note":"Added to Google Wallet by entering card details manually"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":"Card details work on any site that accepts Mastercard","src":["s6"]},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["EEA","UK","Switzerland","Canada","LATAM","Gulf"],"src":["s2"],"note":"Sign-up regions; spending works anywhere Mastercard is accepted"},"countries_supported_count":{"v":48,"src":["s2"],"note":"Counted from the issuer list; the product page omits Bahrain and Oman, which the help page lists"},"countries_supported":{"v":["AD","AR","AT","BH","BE","BR","BG","CA","CL","CO","CR","HR","CY","DK","DO","SV","FI","FR","DE","GI","GR","GT","GG","HU","IS","IE","IM","IT","JE","LI","LU","MT","MX","MC","NL","NO","OM","PA","PL","PT","RO","SK","SI","ES","SE","CH","GB","UY"],"src":["s2"]},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":false,"src":["s2","s4"],"note":"New US sign-ups are temporarily closed; existing US cardholders continue"},"uk_available":{"v":true,"src":["s2"]},"eea_available":{"v":true,"src":["s2"]}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Optional MetaMask Money Account whose balance can be spent directly as mUSD","src":["s5"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":"MetaMask Portfolio card dashboard","src":["s7"]},"support_channels":{"v":["Email to Crypto Life"],"src":["s3"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["KYC identity or address step failing repeatedly during card sign-up"],"src":["s9"],"note":"One user report"},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":88350000,"src":["s8"],"note":"Apr 2024 to Nov 2026 per Paymentscan; 26,891 addresses"},"onchain_spend_last_month_usd":{"v":3383000,"src":["s8"],"note":"Oct 2026 figure; Paymentscan peak month was Oct 2025 at $5.99M"}},"incidents":[{"date":"2026-06","type":"other","summary":"New Metal card orders were paused; the Metal card is not currently available to new users.","src":["s2","s8"]},{"date":"2026-11","type":"other","summary":"New US sign-ups are temporarily paused; existing cardholders are not affected.","src":["s7","s8"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"tests":[{"metric":"fx_markup","value":2.1,"text":"Paying 4.99 PLN with the free Virtual card was charged $1.353 against a reference rate of 3.765 PLN per USD, about 2.1% over; the page states about 1.7%, and rounding on a small payment matters","tester":"Paymentscan","date":null,"src":["s8"]}],"extra":[{"key":"metal_tier","label":"Metal tier (closed to new users)","v":"$199 a year; 3% mUSD back on the first $10,000 spent each year then 1%; no cross-border fee (fair usage); ATM free up to $1,200 a month then 2%; limits $20,000 per transaction, $30,000 daily; physical replacement $99","src":["s1","s6","s7"]},{"key":"cashback_conflict","label":"Metal cashback wording differs","v":"The FAQ says 3% on every Metal transaction while the fees and help pages say 3% on the first $10,000 a year","src":["s4","s6"]},{"key":"travel_rewards","label":"Travel and dining rewards","v":"Hotel bookings through MetaMask Card Travel earn 4% mUSD back plus a bonus; Blackbird dining earns 5X $FLY (7X for Metal)","src":["s6","s3"]},{"key":"gas","label":"Network gas","v":"Typically about $0.01 to $0.02 on Linea; none on Monad; one gas fee per token approval","src":["s1","s6","s5"]}],"sources":[{"id":"s1","url":"https://support.metamask.io/trade/metamask-card/limits-and-fees/","title":"MetaMask Card: Limits and fees","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://support.metamask.io/trade/metamask-card/what-is-metamask-card/","title":"MetaMask Card: what is it","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://support.metamask.io/trade/metamask-card/card-faq/","title":"MetaMask Card FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://metamask.com/card","title":"MetaMask Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://support.metamask.io/trade/metamask-card/funding/","title":"MetaMask Card: How to fund your card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://support.metamask.io/trade/metamask-card/using/","title":"MetaMask Card: Using your card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://support.metamask.io/trade/metamask-card/getting-started-with-card/","title":"MetaMask Card: Getting started","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://paymentscan.xyz/cards/metamask","title":"Paymentscan: MetaMask Card","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s9","url":"https://t.me/bankandfintech","title":"Finek chat, user report, Sep-23, 2026","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":9,"reason":"Issuer is named as Monovate with Crypto Life as program manager, but the issuer pages show no licence or regulator, and third parties spell the issuer name differently.","src":["s3"]},"custody":{"points":16,"reason":"Funds stay in the user's self-custody wallet until spent, with revocable per-token spending limits; custody of the optional Money Account is not described.","src":["s5"]},"incidents":{"points":13,"reason":"No hack or freeze found, but new US sign-ups and new Metal orders are paused with no end date.","src":["s2","s3"]},"track_record":{"points":12,"reason":"Live since April 2024 with about $88M all-time volume and 26,891 addresses per Paymentscan; monthly volume has fallen from its Oct 2025 peak.","src":["s8"]},"transparency":{"points":6,"reason":"Detailed fee and limit page, but issuer pages contradict each other on Metal cashback and cross-border terms, and the issuer licence is not shown.","src":["s1","s3"]},"support":{"points":4,"reason":"Support is by email to Crypto Life only; no hours or chat listed.","src":["s3"]}},"trustPoints":60,"grade":"C","confidence":84,"best":{"tier":"Virtual","net":9.599999999999994,"pctOfSpend":0.07999999999999995,"lines":[{"label":"Rewards you can spend","usd":120},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-50.400000000000006},{"label":"Fees on every purchase","usd":-60},{"label":"Cost of locked money","usd":0}]},"score":64,"website":"https://metamask.com/card","inactive":false},{"slug":"plasma-one","name":"Plasma One","brand":"Plasma","checked":"2026-11-05","summary":"Plasma One is a stablecoin neobank app with a Visa card (issued by Rain) and USD account, offered in Lite, Core and Platinum tiers; cashback is paid in the XPL token and higher tiers need a $199/yr subscription or a 12-month XPL lock. Access is by invite or waitlist and the card is unavailable in 2 US states and a list of sanctioned or document-blocked countries.","company":{"legal_entity":{"v":"Plasma, a Cayman Islands exempted company (affiliates Plasma Labs UK Ltd. and Plasma US, Inc.)","src":["s19"],"note":"Account services by Bridge Building Inc. (US), Bridge Building Sp. z.o.o. (EEA) or Bridge Building Limited (other)"},"hq_country":{"v":"Cayman Islands (place of incorporation)","src":["s19"],"note":"Operating HQ not stated"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":24000000,"src":["s35","s36"],"note":"$20M Series A led by Framework Ventures (Feb 2025) plus $3.5M seed led by Bitfinex; excludes the ~$373M XPL token sale"},"investors":{"v":["Framework Ventures","Bitfinex","Peter Thiel","Paolo Ardoino"],"src":["s35","s36"],"note":"Sources differ on whether Founders Fund participated"},"website":{"v":"https://www.plasma.org/","src":["s17"],"note":"plasma.to redirects here"},"x_handle":{"v":"@plasma","src":["s17"]},"telegram":{"v":null,"note":"Not listed on the landing page"}},"issuer":{"name":{"v":"Rain (Visa Principal Member)","src":["s17","s18"]},"program_manager":{"v":null,"note":"Plasma markets the program; account services by Bridge entities. Program-manager role not stated"},"licences":{"v":["Visa Principal Member (Rain, Visa license)"],"src":["s18"],"note":"Plasma itself states it is not a regulated financial institution"},"regulator":{"v":null,"note":"Not named; the Cardholder Agreement (Settings > Legal) has the issuer details"},"card_network":{"v":"Visa","src":["s17"]},"card_product_level":{"v":["Visa Signature (Core)","Visa Infinite (Platinum)"],"src":["s25"],"note":"Lite has no Visa travel or purchase benefits"}},"product":{"status":{"v":"live","src":["s12","s20"],"note":"Invite-only with waitlist; app on stores, access granted via invite or referral code"},"launched":{"v":"2026-04","src":["s20"],"note":"iOS app first released Apr-13, 2026; Plasma One was announced Sep-22, 2025 with early access"},"card_kind":{"v":null,"note":"Debit/prepaid not stated in the pages checked"},"forms":{"v":["virtual","physical"],"src":["s17","s11"],"note":"Physical card on Core/Platinum only"},"custody":{"v":"self-custody","src":["s13","s17"],"note":"Plasma describes a non-custodial smart account secured by Privy; card spend moves funds from the wallet"},"custody_detail":{"v":"Non-custodial smart account; keys secured by Privy (a Stripe company); Earn deploys funds to third-party DeFi vaults via Veda/Aave","src":["s13","s26"]},"kyc_level":{"v":"full","src":["s14"]},"kyc_documents":{"v":"Passport, national ID or photo ID, video liveness check, proof of address in some countries (issued within 3 months)","src":["s14"]},"kyc_time":{"v":"Up to 5 minutes (automated)","src":["s14"]},"min_age":{"v":18,"src":["s14","s19"]},"settlement_currency":{"v":"USD","src":["s17","s9"]},"card_currencies":{"v":["USD"],"src":["s9","s6"],"note":"USD account; non-USD purchases incur FX markup by tier"}},"tiers":[{"name":"Lite","currency":"USD","is_default":true,"price_monthly":{"v":null,"note":"Not published"},"price_annual":{"v":0,"src":["s1","s24"],"note":"Free in most regions; price depends on region and is shown in the app. Accounts that predate a fee stay free while in good standing."},"issuance_virtual":{"v":"$10 deposit before activation (stays in balance, spendable); in some regions a $10 card fee instead","src":["s1","s24"],"note":"1 virtual card included"},"issuance_physical":{"v":null,"note":"Not available on Lite; physical card needs Core or Platinum"},"shipping":{"v":null,"note":"No physical card on Lite"},"replacement_fee":{"v":null,"note":"No physical card on Lite"},"staking_required":{"v":0,"src":["s1"],"note":"No XPL lock needed"},"other_requirements":{"v":"Invite or referral code, or wait on the waitlist; KYC; $10 activation deposit in most regions","src":["s12","s38","s1"]},"cashback_rate":{"v":2,"src":["s2","s24"],"note":"2% on the first $500 of monthly spend, then 0.1% above $500"},"cashback_asset":{"v":"own token: XPL","src":["s3","s18"],"note":"Accrues in USD, converted to XPL at payout; Plasma may pay some programs as non-transferable Spending Credit"},"cashback_cap_monthly":{"v":null,"note":"No single dollar cap published; cap is the band limit (2% x $500 = $10 per month at the top rate)"},"cashback_eligible_spend":{"v":"Eligible card purchases on any card of the account, calculated at settlement","src":["s3"]},"cashback_exclusions":{"v":["ATM withdrawals","P2P transfers","currency exchange","tax payments","gift and prepaid cards","gambling","crypto purchases and sales","wires","cash advances","balance payments","affiliated merchants","manufactured spend","declined/reversed/refunded/charged-back transactions","buying XPL"],"src":["s3","s18"],"note":"Partial list; full list in the Rewards Addendum"},"cashback_vesting":{"v":"Paid weekly (currently Thursdays) after a pending period of several days","src":["s3","s2","s18"],"note":"Rewards vest only at the end of the pending period; timing may change"},"points_program":{"v":"AI cashback not available; referral cashback 0.25% for 3 months","src":["s2","s24"]},"fx_fee":{"v":1,"src":["s6","s5"],"note":"Plasma markup 1% plus Visa network FX fee (about 1%) on non-USD spend; a real-payment test measured about 2.3% (see tests)"},"crypto_conversion_fee":{"v":"0.15% to 0.75% on crypto deposits (same on all tiers)","src":["s5"],"note":"Plus network, bridge or swap fees shown in the app"},"topup_fee":{"v":"USD ACH $1, USD wire $15, GBP/EUR $0.50, MXN $1.00, BRL $0.50, COP $1.00","src":["s5"],"note":"Fiat onramp; USDT deposits free, USDC free up to $30,000 per deposit"},"atm_free_monthly":{"v":null,"note":"No ATM on Lite (physical card needed); no free allowance published"},"atm_fee_pct":{"v":null,"note":"No physical card on Lite; for physical cards the fee is 2%"},"atm_fee_fixed":{"v":null,"note":"No physical card on Lite; for physical cards the fee is $2"},"atm_limit_daily":{"v":null,"note":"Not published; 3 attempts per rolling 24 hours"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":null,"note":"Default daily limit not published; user can change it in the app, resets 00:00 UTC"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"No card decline fee published; ATM declined attempt $1 on physical cards"},"perks":{"v":["Virtual card","USD account","Standard support"],"src":["s1","s24"]},"inactivity_fee":{"v":null,"note":"Not published in the fee article"}},{"name":"Core","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Not published"},"price_annual":{"v":199,"src":["s1","s23"],"note":"Alternatively lock 20,000 XPL for 12 months"},"issuance_virtual":{"v":0,"src":["s11","s23"],"note":"Up to 2 free virtual cards; additional virtual cards coming soon at extra cost"},"issuance_physical":{"v":0,"src":["s10","s11"],"note":"First physical card free; the cards article labels it coming soon while the ordering article describes ordering for Core"},"shipping":{"v":"Standard $20, express $50","src":["s10","s11"],"note":"Recorded delivery with signature; no PO boxes or hotels"},"replacement_fee":{"v":40,"src":["s10","s11"],"note":"Additional or replacement card"},"staking_required":{"v":{"amount":20000,"asset":"XPL","lock_days":365},"src":["s1","s23"],"note":"Alternative to paying $199/yr; lock cannot be unlocked early"},"other_requirements":{"v":"Invite or referral code, KYC; no $10 activation requirement","src":["s1","s12"]},"cashback_rate":{"v":3,"src":["s2","s23"],"note":"3% on first $1,000, 2% on next $1,000, 1% on next $1,000, 0.25% above $3,000 monthly"},"cashback_asset":{"v":"own token: XPL","src":["s3","s18"],"note":"Accrues in USD, converted to XPL at payout"},"cashback_cap_monthly":{"v":null,"note":"No single dollar cap published; cap is the band limit (3% x $1,000 = $30 at the top band)"},"cashback_eligible_spend":{"v":"Eligible card purchases on any card of the account; AI merchants (ChatGPT, Claude, Cursor) earn AI cashback instead of base","src":["s3","s2","s23"]},"cashback_exclusions":{"v":["ATM withdrawals","P2P transfers","currency exchange","tax payments","gift and prepaid cards","gambling","crypto purchases and sales","wires","cash advances","balance payments","affiliated merchants","manufactured spend","declined/reversed/refunded/charged-back transactions","buying XPL"],"src":["s3","s18"],"note":"Partial list; full list in the Rewards Addendum"},"cashback_vesting":{"v":"Paid weekly (currently Thursdays) after a pending period of several days","src":["s3","s2"]},"points_program":{"v":"AI cashback 5% on first $250/mo, 4% on next $250, 1% above $500; referral cashback 1% for 3 months","src":["s2","s23"],"note":"Only the highest applicable rate pays; rates do not stack"},"fx_fee":{"v":0.5,"src":["s6","s5"],"note":"Plasma markup 0.5% plus Visa network FX fee (about 1%)"},"crypto_conversion_fee":{"v":"0.15% to 0.75% on crypto deposits (same on all tiers)","src":["s5"]},"topup_fee":{"v":"USD ACH $0.50, USD wire $15, GBP/EUR $0.40, MXN $0.80, BRL $0.40, COP $0.75","src":["s5"],"note":"Fiat onramp"},"atm_free_monthly":{"v":null,"note":"No free ATM allowance published"},"atm_fee_pct":{"v":2,"src":["s7"],"note":"USD withdrawal $2 + 2%; physical card only; ATM operator may add its own fee"},"atm_fee_fixed":{"v":2,"src":["s7"]},"atm_limit_daily":{"v":null,"note":"Not published; max $1,000 per withdrawal, 3 attempts per rolling 24 hours"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published for purchases; ATM max $1,000 per withdrawal"},"spend_limit_daily":{"v":null,"note":"Default daily limit not published; user can change it in the app, resets 00:00 UTC"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"No card decline fee published; ATM declined attempt $1"},"perks":{"v":["Visa Signature benefits (price protection up to $2,000, purchase protection up to $10,000, extended warranty up to $10,000, auto rental insurance)","Visa Airport Companion lounge program","GigSky eSIM 1GB plus 20% off extra data","Visa Concierge and Luxury Hotel Collection","AI credit up to $8/month toward ChatGPT Go","Priority support"],"src":["s25","s23","s1"]},"inactivity_fee":{"v":null,"note":"Not published in the fee article"}},{"name":"Platinum","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Not published"},"price_annual":{"v":null,"note":"No cash price published; access only by locking XPL"},"issuance_virtual":{"v":0,"src":["s4","s11"],"note":"Up to 3 free virtual cards"},"issuance_physical":{"v":0,"src":["s4","s10","s11"],"note":"First physical card free"},"shipping":{"v":"Standard free, express $30","src":["s10","s11"],"note":"Recorded delivery with signature"},"replacement_fee":{"v":120,"src":["s10","s11"],"note":"Additional or replacement card"},"staking_required":{"v":{"amount":100000,"asset":"XPL","lock_days":365},"src":["s1","s4","s29"],"note":"Promo rate for the first 30 days from launch; standard requirement is 150,000 XPL; locked XPL cannot be unlocked early"},"other_requirements":{"v":"Invite or referral code, KYC; 12-month XPL lock","src":["s1","s12"]},"cashback_rate":{"v":4,"src":["s2","s4"],"note":"4% on first $3,000, 3% on $3,000-$10,000, 2% on $10,000-$15,000, 1% above $15,000 monthly"},"cashback_asset":{"v":"own token: XPL","src":["s3","s18"],"note":"Accrues in USD, converted to XPL at payout"},"cashback_cap_monthly":{"v":null,"note":"No single dollar cap published; cap is the band limit (4% x $3,000 = $120 at the top band)"},"cashback_eligible_spend":{"v":"Eligible card purchases; AI merchants earn up to 10%; partner airlines earn 10% up to $300 per half-year","src":["s2","s4","s3"]},"cashback_exclusions":{"v":["ATM withdrawals","P2P transfers","currency exchange","tax payments","gift and prepaid cards","gambling","crypto purchases and sales","wires","cash advances","balance payments","affiliated merchants","manufactured spend","declined/reversed/refunded/charged-back transactions","buying XPL"],"src":["s3","s18"],"note":"Partial list; full list in the Rewards Addendum"},"cashback_vesting":{"v":"Paid weekly (currently Thursdays) after a pending period of several days","src":["s3","s2"]},"points_program":{"v":"AI cashback 10% on first $500/mo, 5% on next $500, 1% above $1,000; airline cashback 10% capped at $300 per half-year ($600/yr); referral 1% for 6 months","src":["s2","s4"],"note":"Only the highest applicable rate pays; rates do not stack"},"fx_fee":{"v":0,"src":["s6","s5"],"note":"No Plasma markup and no Visa FX fee while on Platinum"},"crypto_conversion_fee":{"v":"0.15% to 0.75% on crypto deposits (same on all tiers)","src":["s5"]},"topup_fee":{"v":"USD ACH $0.50, USD wire $10, GBP/EUR $0.30, MXN $0.60, BRL $0.30, COP $0.75","src":["s5"],"note":"Fiat onramp"},"atm_free_monthly":{"v":null,"note":"No free ATM allowance published"},"atm_fee_pct":{"v":2,"src":["s7"],"note":"USD withdrawal $2 + 2%; no Plasma FX fee on non-USD ATM withdrawals; ATM operator may add its own fee"},"atm_fee_fixed":{"v":2,"src":["s7"]},"atm_limit_daily":{"v":null,"note":"Not published; max $1,000 per withdrawal, 3 attempts per rolling 24 hours"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published for purchases; ATM max $1,000 per withdrawal"},"spend_limit_daily":{"v":null,"note":"Default daily limit not published; user can change it in the app, resets 00:00 UTC"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"No card decline fee published; ATM declined attempt $1"},"perks":{"v":["Visa Infinite benefits (price protection up to $4,000, purchase protection up to $20,000, extended warranty up to $25,000, travel accident insurance up to $1.5M, baggage delay up to $600, lost luggage up to $3,000, auto rental insurance)","Unlimited Priority Pass lounge access (1,900+ lounges, guests extra)","GigSky eSIM 3GB plus 30% off extra data","Visa Concierge and Luxury Hotel Collection","AI credits up to $20/month ChatGPT Plus and up to $20/month Claude Pro","VIP support, target response under 30 minutes, dedicated contact","No added Plasma fees"],"src":["s25","s4","s27"]},"inactivity_fee":{"v":null,"note":"Not published in the fee article"}}],"funding":{"crypto_assets":{"v":["USDT","USDC","USDG","USDe","PYUSD","ETH","WBTC"],"src":["s9"],"note":"Other assets are converted to USD"},"chains":{"v":null,"note":"Supported networks per asset are shown only in the app; Avalanche and Sui are explicitly unsupported"},"fiat_topup":{"v":["ACH (USD)","Wire (USD)","SEPA (EUR)","Faster Payments (GBP)","SPEI (MXN)","PIX (BRL)","Bre-B (COP)"],"src":["s16","s5"],"note":"Via virtual accounts; funds land as USDT"},"deposit_fees":{"v":"USDT free; USDC free up to $30,000 per deposit; USDG bridge fee; other crypto 0.15% to 0.75% plus network fees","src":["s9","s5"],"note":"Fiat onramp fees by tier are in the tiers"},"min_deposit":{"v":"$10 to activate a Lite card in most regions","src":["s1"],"note":"Per-asset minimums apply but are not published"},"spend_from":{"v":"USD cash balance in the Plasma One account","src":["s28","s9"]}},"payments":{"apple_pay":{"v":true,"src":["s32"],"note":"Only one card can be added per 24 hours"},"google_pay":{"v":true,"src":["s17"],"note":"Landing page says the card works with Apple Pay and Google Pay"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":true,"src":["s25"],"note":"AI subscriptions (ChatGPT, Claude) paid by card earn rebates"},"restricted_mccs":{"v":null,"note":"Only cashback exclusions are published (gambling, gift cards, crypto purchases); card-level blocks not published"}},"availability":{"regions":{"v":["US (31 states)","Global ex-excluded countries"],"src":["s8","s17"]},"countries_supported_count":{"v":null,"note":"Landing page claims spending in 180+ countries; no count of onboarding countries"},"countries_supported":{"v":null,"note":"Only exclusions are published"},"countries_excluded":{"v":["CU","IR","KP","RU","SY","UA","VE"],"src":["s8"],"note":"Plus 12 document-blocked countries (BY, CN, IN, IQ, IL, MM, NP, NI, TR, VN, NG, LK), where residents of a supported country may still qualify with proof of address"},"us_available":{"v":true,"src":["s8"],"note":"31 states supported; Arizona and Washington unsupported; 17 others not stated in the article"},"uk_available":{"v":true,"src":["s1","s5"],"note":"Inferred from UK disclaimers and GBP Faster Payments; not stated as a country list"},"eea_available":{"v":true,"src":["s5","s18"],"note":"Inferred from SEPA deposits and a Bridge EEA entity; not stated as a country list"}},"account_features":{"iban":{"v":null,"note":"SEPA deposits via virtual account; IBAN not confirmed"},"local_accounts":{"v":["USD","EUR","GBP","MXN","BRL","COP"],"src":["s16"],"note":"Virtual accounts for deposit; availability depends on country and state"},"p2p_transfers":{"v":true,"src":["s17"],"note":"Website claims instant sends; zero-fee USDT transfers on Plasma routes only"},"crypto_to_bank_payouts":{"v":true,"src":["s16","s5"],"note":"Withdrawals to bank in USD, EUR, GBP, MXN, BRL, COP, CAD, AUD, INR, PHP, IDR, MYR, THB, VND, KRW, TRY, NGN, ZAR, KES"},"yield_on_balance":{"v":6,"src":["s17"],"note":"Landing page says up to 6% on balances until spent; variable, not guaranteed, no APY in help center; risk of loss"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":"USD balance only; local currencies are converted on deposit and withdrawal","src":["s16","s17"]},"other":{"v":"Earn (DeFi vaults via Veda deployed into Aave); self-custodial wallet withdrawal to external wallets","src":["s26","s13"]}},"security":{"card_freeze":{"v":true,"src":["s17"],"note":"Help center has a freeze-card article; confirmed by listing only"},"two_factor":{"v":"Passkey (Face ID, Touch ID or passcode) for sign-in and moving money","src":["s13"],"note":"Passkey articles are in the Security & Fraud help collection"},"biometrics":{"v":true,"src":["s13"],"note":"Passkey with Face ID / Touch ID"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":false,"src":["s4","s17"],"note":"Not FDIC/FSCS insured; XPL value can fall to zero"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/plasma-one-stablecoin-card/id6759033493","src":["s20"]},"ios_rating":{"v":4.36,"src":["s20"],"note":"US store; version 1.30.0 updated Oct-22, 2026"},"ios_rating_count":{"v":203,"src":["s20"]},"android_url":{"v":"https://play.google.com/store/apps/details?id=to.plasma.one.application","src":["s21"]},"android_rating":{"v":3.73,"src":["s21"],"note":"Based on about 622 ratings"},"android_installs":{"v":"100K+","src":["s21"]},"languages":{"v":["EN"],"src":["s20"],"note":"iOS listing shows English only"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["In-app messenger","Email support@plasma.org"],"src":["s27"]},"support_hours":{"v":"Mainly UK business hours; 24-hour coverage planned, not yet live","src":["s27"]}},"reputation":{"trustpilot_score":{"v":4.5,"src":["s22"],"note":"Last 12 months; 92% five-star, 8% one-star; company has not invited reviews or replied to negatives"},"trustpilot_reviews":{"v":38,"src":["s22"]},"common_complaints":{"v":["Platinum benefits said to differ from what was advertised","Terms changed after locking XPL (reviewer claim, one account repeated across Trustpilot domains)","No physical card at launch","Invite-only access"],"src":["s39","s22"],"note":"Single-reviewer claims; unverified"},"common_praise":{"v":["Simple polished app","Fast responsive support","Cashback and Platinum/Core perks incl. lounge access","Easy stablecoin onboarding","Low transparent fees"],"src":["s22"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":98670000,"src":["s33"],"note":"Paymentscan on-chain tracked, accessed Oct-25, 2026"},"onchain_spend_last_month_usd":{"v":null,"note":"Last full month not retrieved; Oct 2026 month-to-date is $23.33M per Paymentscan"}},"tests":[{"metric":"fx_markup","value":2.3,"text":"About 2.3% over the mid rate on a real foreign-currency payment with the Lite card (issuer lists 1% Plasma markup plus about 1% Visa fee)","tester":"Paymentscan","date":null,"src":["s33"]}],"incidents":[{"date":"2026-09","type":"fee change","summary":"Platinum XPL lock promo rate of 100,000 XPL runs for the first 30 days after launch; standard requirement is 150,000 XPL.","src":["s4","s29"]},{"date":"2026-09","type":"fee change","summary":"Rewards Addendum took effect Sep-26, 2026, setting caps, Spending Credit and new referral bonuses; one Trustpilot reviewer alleges terms changed after they locked XPL.","src":["s18","s39"]},{"date":"2026-07","type":"fee change","summary":"Promo of free Core for 6 months on Android ended Jul-21, 2026 per the landing page.","src":["s17"]}],"referral":{"user_referral_program":{"v":"Yes: $10 each for first-spend bonus, $200 each for high-spend bonus, $20 for friend upgrading to Core, $300 for Platinum; referral cashback 0.25% (Lite, 3 mo), 1% (Core, 3 mo), 1% (Platinum, 6 mo), Platinum boost 3% for 90 days up to $300","src":["s30","s2","s4"],"note":"Bonuses paid as spend credit; cashback in XPL; spend thresholds not published in the help center"},"affiliate_program":{"v":null,"note":"No partner or affiliate programme for websites found"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"US","field":"availability.us_available","v":"31 states supported; Arizona and Washington not supported","src":["s8"]},{"region":"Some regions","field":"tiers[0].issuance_virtual","v":"$10 card fee instead of $10 deposit","src":["s1","s24"]}],"extra":[{"key":"tier_summary","label":"Tier cost summary","v":"Lite free; Core $199/yr or 20,000 XPL locked 12 months; Platinum 100,000 XPL locked 12 months (promo, then 150,000)","src":["s1","s29"]},{"key":"xpl_lock_rules","label":"XPL lock rules","v":"Locks last 12 months and cannot be unlocked early; tier returns to Lite at the end if not renewed; no manual downgrade; locking XPL gives no yield","src":["s1","s18"]},{"key":"promo_free_core","label":"Free Core promo","v":"Depositing $100 during the Platinum promo window claims free Core; replaced if you lock 100,000 XPL","src":["s29"]},{"key":"cashback_cap_rule","label":"Cashback cap rule","v":"Cashback is capped by the monthly spend band limit; all cards on one account share caps","src":["s2","s18"]},{"key":"cashback_xpl_conversion","label":"Cashback conversion","v":"Accrues in USD and converts to XPL at the rate at payout, so the XPL amount floats","src":["s3"]},{"key":"xpl_cashback_paid","label":"XPL cashback paid out","v":"Passed 25M XPL cashback paid, per Paymentscan post of Oct-24, 2026","src":["s34"]},{"key":"onchain_spend_mtd","label":"Oct 2026 on-chain spend, month to date","v":"$23.33M (Paymentscan, accessed Oct-25, 2026)","src":["s33"]},{"key":"spending_credit","label":"Spending Credit","v":"Non-transferable credit against future card spend, used for fixed referral bonuses; earns no cashback or yield","src":["s18","s30"]},{"key":"airline_cashback","label":"Airline cashback (Platinum)","v":"10% on partner airlines (United, Emirates, Singapore Airlines, Cathay Pacific, British Airways), capped $300 per half-year","src":["s2","s4"]},{"key":"landing_cashback_claims","label":"Landing-page headline claims","v":"Up to 4% cashback; up to 6% on balances; 180+ countries; 20% back on flights/hotels promo (terms apply)","src":["s17"]},{"key":"offramp_fees","label":"Bank withdrawal fees (Lite / Core / Platinum)","v":"USD ACH 0.75% / 0.35% / 0.10%; USD wire 1% / 0.5% / 0.2%; GBP, EUR, MXN, BRL 1% / 0.25% / 0.10%; COP 1% / 0.25% / 0.10% plus $1; plus rail fee","src":["s5"]},{"key":"large_deposit_fees","label":"Large deposits","v":"Additional fees may apply to deposits above $250,000 per month","src":["s5"]},{"key":"atm_details","label":"ATM rules","v":"Physical card only; max $1,000 per withdrawal; 3 attempts per rolling 24h incl. declines; balance inquiry $1; declined attempt $1; no cashback","src":["s7"]},{"key":"physical_card_delivery","label":"Physical card delivery","v":"US standard within 6 business days; international standard 8-13 business days, express 6-12; no PO boxes; Mexico, India, China, Turkey, Vietnam excluded","src":["s31","s10"]},{"key":"document_blocked_countries","label":"Document-blocked countries","v":"BY, CN, IN, IQ, IL, MM, NP, NI, TR, VN, NG, LK","src":["s8"]},{"key":"supported_us_states","label":"Supported US states (31)","v":"AL, AK, AR, CA, CO, CT, FL, HI, IL, IN, IA, KS, KY, ME, MA, MI, MN, MT, NE, NH, NJ, NY, NC, OK, PA, SC, TX, UT, VA, WV, WY","src":["s8"]},{"key":"withdrawal_currencies","label":"Bank withdrawal currencies","v":"USD, EUR, GBP, MXN, BRL, COP, CAD, AUD, INR, PHP, IDR, MYR, THB, VND, KRW, TRY, NGN, ZAR, KES","src":["s16"]},{"key":"deposit_speed","label":"Deposit speed","v":"Stablecoins about 5 minutes; BRL/MXN/COP bank about 30 minutes; USD ACH 1-3 business days","src":["s9"]},{"key":"visa_benefits_access","label":"Visa benefits access","v":"Benefits portal location must be set to Puerto Rico and cards added; benefits apply to the matching card","src":["s25"]},{"key":"partners","label":"Partners listed","v":"Ramp, Zero Hash, Rain, Whop, Aurora, Aave, Privy, Bridge, Fireblocks","src":["s17"]},{"key":"legal_docs","label":"Legal documents","v":"Cardholder Agreement (in-app Settings > Legal), Terms of Service (arbitration under LCIA, London; Cayman law for website), Rewards Addendum","src":["s15","s19","s18"]},{"key":"not_a_bank","label":"Regulatory status","v":"Plasma says it is a fintech, not a bank or MSB; balances not covered by FDIC/FSCS; UK FCA considers XPL high risk","src":["s17","s1"]}],"sources":[{"id":"s1","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15505864-how-the-plasma-one-tier-system-works","title":"How the Plasma One tier system works","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506768-cashback-rates-and-spend-bands-by-tier","title":"Cashback rates and spend bands by tier","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506762-how-cashback-works-on-plasma-one","title":"How cashback works on Plasma One","publisher":"issuer","accessed":"2026-10-25"},{"id":"s4","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506476-how-does-platinum-work","title":"How does Platinum work?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506070-what-are-the-fees-on-plasma-one","title":"What are the fees on Plasma One?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14285213-does-plasma-one-charge-fx-fees","title":"Does Plasma One charge FX fees?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14648465-can-i-withdraw-cash-from-an-atm","title":"Can I withdraw cash from an ATM?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s8","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14703938-which-countries-and-us-states-is-plasma-one-available-in","title":"Which countries and US states is Plasma One available in?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s9","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14285205-how-do-i-add-money-to-my-plasma-one-account","title":"How do I add money to my Plasma One account?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s10","url":"https://intercom.help/plasma-6c43763cd799/en/articles/16539579-how-do-i-order-a-physical-card","title":"How do I order a physical card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s11","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506874-how-many-cards-can-i-have","title":"How many cards can I have?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s12","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14285199-how-do-i-get-access-to-plasma-one","title":"How do I get access to Plasma One?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s13","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14285232-how-is-my-money-stored-on-plasma-one","title":"How is my money stored on Plasma One?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s14","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14285201-what-documents-do-i-need-for-identity-verification","title":"What documents do I need for identity verification?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s15","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14498017-what-are-my-rights-as-a-plasma-one-cardholder","title":"What are my rights as a Plasma One cardholder?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s16","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15180576-what-fiat-currencies-can-i-use-with-plasma-one-for-deposits-and-withdrawals","title":"Fiat currencies for deposits and withdrawals","publisher":"issuer","accessed":"2026-10-25"},{"id":"s17","url":"https://www.plasma.org/","title":"Plasma One landing page (plasma.org)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s18","url":"https://www.plasma.org/plasma-one-rewards","title":"Plasma One Rewards Addendum (effective Sep-26, 2026)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s19","url":"https://www.plasma.org/terms-of-service","title":"Plasma Terms of Service","publisher":"issuer","accessed":"2026-10-25"},{"id":"s20","url":"https://apps.apple.com/us/app/plasma-one-stablecoin-card/id6759033493","title":"Plasma One: Stablecoin Card on the App Store (iTunes lookup API)","publisher":"app store","accessed":"2026-10-25"},{"id":"s21","url":"https://play.google.com/store/apps/details?id=to.plasma.one.application","title":"Plasma One on Google Play","publisher":"app store","accessed":"2026-10-25"},{"id":"s22","url":"https://www.trustpilot.com/review/www.plasma.org","title":"Plasma reviews on Trustpilot","publisher":"trustpilot","accessed":"2026-10-25"},{"id":"s23","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506332-how-does-core-work","title":"How does Core work?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s24","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506168-how-does-lite-work","title":"How does Lite work?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s25","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506864-overview-of-plasma-one-perks-and-benefits","title":"Overview of Plasma One perks and benefits","publisher":"issuer","accessed":"2026-10-25"},{"id":"s26","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14285221-how-do-i-earn-on-plasma-one","title":"How do I earn on Plasma One?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s27","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506880-support-what-to-expect-by-tier","title":"Support: what to expect by tier","publisher":"issuer","accessed":"2026-10-25"},{"id":"s28","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14285211-how-do-spending-limits-work","title":"How do spending limits work?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s29","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506754-promotional-platinum-offer","title":"Promotional Platinum offer","publisher":"issuer","accessed":"2026-11-05"},{"id":"s30","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506853-how-do-i-refer-a-friend","title":"How do I refer a friend?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s31","url":"https://intercom.help/plasma-6c43763cd799/en/articles/16539636-when-will-my-physical-card-arrive","title":"When will my physical card arrive?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s32","url":"https://intercom.help/plasma-6c43763cd799/en/articles/14285207-how-do-i-add-my-plasma-one-card-to-apple-pay","title":"How do I add my Plasma One card to Apple Pay?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s33","url":"https://paymentscan.xyz/cards/plasma-one","title":"Paymentscan: Plasma One","publisher":"paymentscan","accessed":"2026-10-25"},{"id":"s34","url":"https://x.com/Paymentscan","title":"Paymentscan on X (Oct-24, 2026 post: Plasma One passed 25M XPL cashback)","publisher":"paymentscan","accessed":"2026-10-25"},{"id":"s35","url":"https://fortune.com/crypto/2025/02/13/exclusive-stablecoin-company-plasma-raises-24-million-from-framework-to-launch-its-own-blockchain","title":"Fortune: Plasma raises $24 million from Framework","publisher":"press","accessed":"2026-10-25"},{"id":"s36","url":"https://www.theblock.co/post/340726/framework-ventures-leads-20-million-series-a-for-stablecoin-firm-plasma","title":"The Block: Framework leads $20M Series A for Plasma","publisher":"press","accessed":"2026-10-25"},{"id":"s37","url":"https://www.theblock.co/news/ecosystems/2025-09-22-plasma-stablecoin-neobank-371568","title":"The Block: Plasma blockchain to launch stablecoin-focused neobank","publisher":"press","accessed":"2026-10-25"},{"id":"s38","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15505856-i-m-on-the-waitlist-what-s-next","title":"I'm on the waitlist. What's next?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s39","url":"https://uk.trustpilot.com/review/www.plasma.org","title":"Plasma reviews on Trustpilot (UK)","publisher":"trustpilot","accessed":"2026-10-25"},{"id":"s40","url":"https://intercom.help/plasma-6c43763cd799/en/articles/15506794-how-does-referral-cashback-work","title":"How does referral cashback work?","publisher":"issuer","accessed":"2026-10-25"}],"trust":{"licence":{"points":12,"reason":"Card issued by Rain, a Visa principal member; accounts run by Bridge. Plasma says it is not a regulated financial institution.","src":["s18","s19"]},"custody":{"points":16,"reason":"Non-custodial smart account with keys secured by Privy. Not FDIC or FSCS insured.","src":["s13","s17"]},"incidents":{"points":17,"reason":"No freezes or hacks found. Rewards terms changed on Sep-26, 2026, and one reviewer says terms changed after locking XPL.","src":["s18","s39"]},"track_record":{"points":6,"reason":"App live since Apr 2026. $98.7M on-chain spend tracked by Paymentscan.","src":["s20","s33"]},"transparency":{"points":6,"reason":"Fees and rewards published, but help center pages conflict on the Core physical card.","src":["s17"]},"support":{"points":7,"reason":"Trustpilot 4.5 from 38 reviews. App Store 4.36, Google Play 3.73.","src":["s22","s20","s21"]}},"trustPoints":64,"grade":"C","confidence":74,"best":{"tier":"Lite","net":7.800000000000004,"pctOfSpend":0.06500000000000004,"lines":[{"label":"Rewards you can spend","usd":63,"note":"$126 paid in a volatile token, counted at 50%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-55.199999999999996},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":63,"website":"https://www.plasma.org/","inactive":false},{"slug":"coinbase","name":"Coinbase Card","brand":"Coinbase","checked":"2026-11-05","summary":"Coinbase Card is a US Visa debit card, issued by Pathward and run through Marqeta, that spends the balance in your Coinbase account and converts crypto to dollars at the till. Coinbase advertises no card fees, but the issuer pages were not readable here, so limits and rewards rest on third-party reviews.","company":{"legal_entity":{"v":"Coinbase Global, Inc.","src":["s6"]},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.coinbase.com/card","src":["s2"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Pathward, N.A. (Member FDIC)","src":["s2","s3"],"note":"Named on Coinbase's card page and in the CFPB prepaid agreements database; older coverage names MetaBank, Pathward's former name"},"program_manager":{"v":"Marqeta","src":["s2","s3"]},"licences":{"v":["National bank, United States (Pathward, N.A., Member FDIC)"],"src":["s2","s3"]},"regulator":{"v":null,"note":"Pathward is a national bank; its regulator is not named on the card pages"},"card_network":{"v":"Visa","src":["s2"],"note":"Issued under licence from Visa U.S.A. Inc."},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s2","s4"]},"launched":{"v":"2020","src":["s11"],"note":"US debit card launch coverage; Coinbase's earlier UK/EU card dates from 2019"},"card_kind":{"v":"prepaid","src":["s3"],"note":"CFPB lists it as a general purpose reloadable prepaid product; Coinbase and reviews call it a debit card"},"forms":{"v":["virtual","physical"],"src":["s4"],"note":"Third-party review"},"custody":{"v":"custodial","src":["s5"]},"custody_detail":{"v":"Crypto is held by Coinbase; the dollars from a sale at purchase sit with Pathward","src":["s5"]},"kyc_level":{"v":"full","src":["s4"]},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s2"],"note":"Personal Coinbase accounts; the Coinbase One Card is a separate credit card"},"settlement_currency":{"v":"USD","src":["s5"]},"card_currencies":{"v":["USD"],"src":["s5"]}},"tiers":[{"name":"Coinbase Card (US)","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s4","s2"],"note":"No monthly or annual fee; Coinbase says no annual fees"},"price_annual":{"v":0,"src":["s2","s4"]},"issuance_virtual":{"v":0,"src":["s4"],"note":"Third-party review; no issuer page confirmed"},"issuance_physical":{"v":0,"src":["s4","s5"],"note":"Third-party reviews say free; delivery fee not published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":0,"src":["s4"],"note":"Third-party review only"},"staking_required":{"v":0,"src":["s5"],"note":"No staking, subscription or credit approval needed"},"other_requirements":{"v":"Coinbase account with identity verification; US residents except Hawaii","src":["s2","s4"]},"cashback_rate":{"v":"Variable, set per asset in the app; up to 4% advertised by reviewers","src":["s4","s5"],"note":"Rate table not readable on the issuer page; stablecoins reported at about 1% or less"},"cashback_asset":{"v":"Reward asset chosen by the user (for example USDC, BTC, ETH)","src":["s4","s5"]},"cashback_cap_monthly":{"v":null,"note":"No cap stated"},"cashback_eligible_spend":{"v":"Card purchases, US cardholders only","src":["s5","s4"]},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"None stated"},"points_program":{"v":false,"src":["s4"]},"fx_fee":{"v":0,"src":["s2","s5"],"note":"Coinbase says no transaction fee on card spending; the 2.49% foreign-exchange fee that Cryptonoshi lists (Apr-18, 2025) was for the European card, not this US card. A measured sell spread on crypto spending exists, see tests"},"crypto_conversion_fee":{"v":"Coinbase trading spread when non-stablecoin crypto is sold at purchase; amount not published","src":["s1","s5"],"note":"USD and USDC spend at par per CryptoSlate"},"topup_fee":{"v":"Reloads from Coinbase balance; fee not published","src":["s4"]},"atm_free_monthly":{"v":null,"note":"Coinbase charges no ATM fee; no monthly allowance concept"},"atm_fee_pct":{"v":0,"src":["s1"],"note":"No Coinbase ATM fee; the ATM operator may charge its own"},"atm_fee_fixed":{"v":0,"src":["s1"],"note":"No Coinbase ATM fee; the ATM operator may charge its own"},"atm_limit_daily":{"v":1000,"src":["s4","s5"],"note":"Per 24 hours, at most six withdrawals; third-party sources"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":2500,"src":["s4","s5"],"note":"Per 24 hours; third-party sources, issuer page not readable"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Crypto rewards in a chosen asset","Spend from Coinbase balance with no pre-load"],"src":["s4","s5"]}}],"funding":{"crypto_assets":{"v":"Any crypto supported on Coinbase; reviewers cite BTC, ETH, USDC, SOL","src":["s4"],"note":"Coinbase lists no fixed set on the card pages"},"chains":{"v":null,"note":"Not published"},"fiat_topup":{"v":["Coinbase USD balance"],"src":["s5"]},"deposit_fees":{"v":null,"note":"Not published"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Coinbase balance in crypto or USD, sold at the point of sale","src":["s5"]}},"payments":{"apple_pay":{"v":true,"src":["s4"],"note":"US cardholders; Finek chat reports it works with US cards only"},"google_pay":{"v":null,"note":"Not published"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["United States"],"src":["s2","s4"]},"countries_supported_count":{"v":1,"src":["s2"]},"countries_supported":{"v":["US"],"src":["s2"],"note":"All states except Hawaii"},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":true,"src":["s2"],"note":"All states except Hawaii"},"uk_available":{"v":null,"note":"Separate UK card; not assessed here"},"eea_available":{"v":null,"note":"A separate EEA card exists; CryptoSlate says it is relaunching, not confirmed by Coinbase"}},"account_features":{"iban":{"v":false,"src":["s10"]},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/coinbase-buy-bitcoin-sol/id886427730","src":["s7"]},"ios_rating":{"v":4.7,"src":["s7"],"note":"Rating of the Coinbase app, not of the card"},"ios_rating_count":{"v":"1.8M","src":["s7"]},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","Czech","Dutch","French","German","Indonesian","Italian","Japanese","Korean","Polish","Portuguese","Russian","Simplified Chinese","Spanish","Swedish","Thai","Traditional Chinese","Turkish"],"src":["s7"]},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":null,"note":"Not published"},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["No fixed published reward rates; the rate changes by asset","Spread on selling crypto at purchase is not stated as a number","Spend limit $2,500 a day"],"src":["s4","s5"]},"common_praise":{"v":["No monthly or annual fee","Choice of reward asset","Reports of €1,000 a day cash withdrawal without Coinbase fee on the European card"],"src":["s4","s5","s9"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":null,"note":"Not published"},"onchain_spend_last_month_usd":{"v":null,"note":"Not published"}},"tests":[{"metric":"conversion_spread","value":1.5,"text":"About 1.5% sell spread on crypto spent with the European card; not the US card","tester":"Cryptonoshi","date":"2025-04-18","src":["s10"]}],"incidents":[{"date":"2025-05","type":"hack","summary":"Coinbase disclosed that overseas support contractors were bribed to leak customer data (at least 69,461 people); it said no passwords or private keys were taken and it refused a $20 million ransom demand.","src":["s6","s8"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"coinbase_one_card","label":"Separate credit card","v":"The Coinbase One Card is a different product: an Amex credit card issued by First Electronic Bank through Cardless, with bitcoin rewards tied to Coinbase One membership.","src":["s4"]},{"key":"max_balance","label":"Maximum card balance","v":"Sources disagree: $25,000 (eco.com) and $9,999.99 (CryptoSlate); not confirmed by the issuer","src":["s4","s5"]},{"key":"reload_limit","label":"Reload limit","v":"$5,000 per 24 hours (both reviews)","src":["s4","s5"]},{"key":"prepaid_agreement","label":"Card agreement on file","v":"Latest Coinbase Card agreement in the CFPB database is dated Sep-26, 2022","src":["s3"]}],"sources":[{"id":"s1","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/coinbase-card/cb-card-fees-tax","title":"Coinbase Help: Coinbase Card fees and taxes","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://www.coinbase.com/card","title":"Coinbase Card product page","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://consumerfinance.gov/data-research/prepaid-accounts/search-agreements/detail/296146","title":"CFPB prepaid agreements database: Coinbase Card (issuer Pathward, program manager Marqeta, agreement Sep-26, 2022)","publisher":"other","accessed":"2026-11-05"},{"id":"s4","url":"https://eco.com/support/en/articles/15039725-coinbase-card-review-2026-rewards-fees-limits","title":"Coinbase Card review: rewards, fees, limits (Oct-05, 2026)","publisher":"other","accessed":"2026-11-05"},{"id":"s5","url":"https://cryptoslate.com/crypto-cards/coinbase-card-review/","title":"CryptoSlate Coinbase Card review (updated Oct-22, 2026)","publisher":"press","accessed":"2026-11-05"},{"id":"s6","url":"https://www.sec.gov/Archives/edgar/data/1679788/000167978825000094/coin-20250514.htm","title":"Coinbase Global, Inc. Form 8-K, May-14, 2025","publisher":"other","accessed":"2026-11-05"},{"id":"s7","url":"https://apps.apple.com/us/app/coinbase-buy-bitcoin-sol/id886427730","title":"Coinbase on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s8","url":"https://securityaffairs.com/178151/data-breach/coinbase-data-breach-impacted-69461-individuals.html","title":"Coinbase data breach impacted 69,461 individuals","publisher":"press","accessed":"2026-11-05"},{"id":"s9","url":"https://t.me/c/1916527029/243340","title":"Finek chat, user report, Sep-09, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s10","url":"https://cryptonoshi.com/product/coinbase-card-eu/","title":"Cryptonoshi: Coinbase Card [EU] (Last Updated Apr-18, 2025)","publisher":"review","accessed":"2026-11-05"},{"id":"s11","url":"https://fortune.com/2020/10/28/coinbase-debit-card-crypto-bitcoin-rewards/amp/","title":"Fortune: Coinbase debit card with crypto rewards (Oct-28, 2020)","publisher":"press","accessed":"2026-11-05"}],"trust":{"licence":{"points":20,"reason":"The issuer is Pathward, N.A., a US national bank (Member FDIC), named on Coinbase's card page and in the CFPB database. The card is a US prepaid-type product; Coinbase's own licences were not checked.","src":["s2","s3"]},"custody":{"points":8,"reason":"Crypto sits custodially with Coinbase and is sold into dollars at the point of sale; no card-specific protection of balances was found.","src":["s5"]},"incidents":{"points":11,"reason":"In May 2025 Coinbase disclosed a bribed-contractor leak of customer data affecting at least 69,461 people. It said no passwords, private keys or funds were taken.","src":["s6","s8"]},"track_record":{"points":13,"reason":"US card has run since 2020 with agreements on file since 2022, from a large listed exchange. Paymentscan volume was not found.","src":["s11","s3"]},"transparency":{"points":5,"reason":"Coinbase says there is no card transaction fee, but the spread is not stated as a number and reward rates and limits are not published on pages we could read.","src":["s1","s4"]},"support":{"points":5,"reason":"Cryptonoshi tests of Coinbase support (EU, Apr-18, 2025) scored 7.9 out of 10, with replies from 19 minutes to nearly 4 days.","src":["s10"]}},"trustPoints":62,"grade":"C","confidence":84,"best":{"tier":"Coinbase Card (US)","net":0,"pctOfSpend":0,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":0},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":60,"website":"https://www.coinbase.com/card","inactive":false},{"slug":"phantom-cash","name":"Phantom Cash","brand":"Phantom","checked":"2026-11-05","summary":"Phantom Cash is a USD account inside the Phantom mobile wallet, held as the CASH stablecoin in a self-custodial Solana wallet, with a free virtual Visa debit card for US residents outside New York. There is no cashback or physical card, and the card draws CASH and converts it to USD when you pay.","company":{"legal_entity":{"v":"Phantom Technologies, Inc. (Platform Provider for the card); Phantom Global, Inc. funds Cash Rewards","src":["s1","s10","s14"]},"hq_country":{"v":null,"note":"Not stated in the pages checked"},"founded":{"v":null,"note":"Not stated in the pages checked"},"funding_raised_usd":{"v":null,"note":"Series C of $150M announced Jan-2025 at a $3B valuation; secondary sources disagree on the total ($268M or $277M)"},"investors":{"v":["Sequoia Capital (Series C co-lead)","Paradigm (Series C co-lead)","a16z crypto","Variant"],"src":["s20"]},"website":{"v":"https://phantom.com/cash","src":["s1"]},"x_handle":{"v":null,"note":"Not checked"},"telegram":{"v":null,"note":"Not checked"}},"issuer":{"name":{"v":"Lead Bank (Bridge-programme cards, activated before Oct-5, 2026); Stripe-programme replacement cards from Oct-5, 2026, issuing bank not named","src":["s1","s3","s11","s12"],"note":"Per issuer terms: Lead Bank, a Missouri state-chartered bank, issues the card under Visa U.S.A. licence. Phantom's help pages now say it is moving from Bridge to Stripe as card issuer without naming the bank"},"program_manager":{"v":"Bridge Ventures LLC (for Lead Bank cards); Stripe (Stripe Issuing, replacement cards)","src":["s1","s11","s18"]},"licences":{"v":["Bank charter: Lead Bank, Missouri state-chartered bank","Bridge: FinCEN-registered money services business, NMLS #2450917 (issuer of the CASH stablecoin)"],"src":["s12","s13"],"note":"Phantom itself is a technology company and states it is not a bank"},"regulator":{"v":null,"note":"Not named by Phantom; Lead Bank is state-chartered (Missouri) and Bridge is FinCEN-registered"},"card_network":{"v":"Visa","src":["s1","s3"]},"card_product_level":{"v":"Prepaid Visa (Lead Bank programme)","src":["s1","s12"],"note":"Product level not published"}},"product":{"status":{"v":"live","src":["s3","s16"]},"launched":{"v":"2025-12","src":["s17","s18"],"note":"CASH stablecoin launched Sep-2025 on Bridge; the card went to early-access users from Dec-2025 and to all eligible US users in spring 2026 per Bridge"},"card_kind":{"v":"prepaid","src":["s1","s12"],"note":"Phantom's own help pages call it a debit card; the issuer disclosure and cardholder agreement call it a Prepaid Visa. You spend from your CASH balance"},"forms":{"v":["virtual"],"src":["s3"],"note":"No physical card offered"},"custody":{"v":"self-custody","src":["s4","s10"],"note":"Phantom, Stripe and partners cannot move funds; the card partner draws CASH from your account at purchase"},"custody_detail":{"v":"Balance is CASH in a self-custodial smart-contract wallet on Solana. At payment the card partner draws CASH from the account and converts it to USD. CASH is a stablecoin issued by Bridge Building Inc., redeemable 1:1 for USD through Bridge; the balance is not FDIC insured","src":["s3","s4","s12","s13"]},"kyc_level":{"v":"tiered","src":["s9"],"note":"Progressive in the US: a first deposit may need only basic information. Identity verification is required for the debit card, bank transfers and Stripe funding"},"kyc_documents":{"v":"US: phone, date of birth, residential address, SSN, government ID and selfie (ITIN not accepted; no P.O. boxes)","src":["s9"]},"kyc_time":{"v":null,"note":"Not stated; verification is run by Link (Stripe) and Phantom cannot override a decision"},"min_age":{"v":18,"src":["s1"]},"business_cards":{"v":false,"src":["s1","s9"],"note":"Only personal verification flows are described"},"settlement_currency":{"v":"USD","src":["s3"],"note":"CASH is converted to USD at purchase"},"card_currencies":{"v":["USD"],"src":["s3"]}},"tiers":[{"name":"Phantom Cash","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s12"],"note":"Monthly fee $0 in the cardholder agreement; no subscription in the Cash fee table"},"price_annual":{"v":0,"src":["s2"],"note":"The fee table lists no annual fee; the annual field in the cardholder agreement is blank"},"issuance_virtual":{"v":0,"src":["s2","s12"]},"issuance_physical":{"v":null,"note":"No physical card; virtual only"},"shipping":{"v":null,"note":"Not applicable, virtual card only"},"replacement_fee":{"v":0,"src":["s12"],"note":"Agreement section 14: no fee for replacing the card. Phantom also replaced Bridge-programme cards with Stripe-programme cards from Oct-5, 2026 at no charge shown"},"staking_required":{"v":0,"src":["s10"],"note":"No staking or lock-up is needed to hold Cash, earn rewards or use the card"},"other_requirements":{"v":"US resident outside New York, 18 or older, identity verification through Link (Stripe), and a funded Cash account","src":["s1","s3","s9"]},"cashback_rate":{"v":0,"src":["s3"],"note":"Cash back is not supported on the card"},"cashback_asset":{"v":null,"note":"No cashback"},"cashback_cap_monthly":{"v":null,"note":"No cashback"},"cashback_eligible_spend":{"v":null,"note":"No cashback"},"cashback_exclusions":{"v":null,"note":"No cashback"},"cashback_vesting":{"v":null,"note":"No cashback"},"points_program":{"v":"Cash Rewards: a variable rate shown in the app as APY, paid weekly into the Cash balance on any positive balance; not tied to card spend","src":["s10"],"note":"Funded by Phantom as marketing, can be changed or ended at any time; the rate is not published on the help page. Rewards pause after $1,500 in a tax year until a tax prompt is completed"},"fx_fee":{"v":1,"src":["s12"],"note":"Agreement hosted by Bridge for the Lead Bank card: 1% + $0.30 on the dollar amount of each transaction with merchants outside the U.S. Phantom's help pages say only that international fees may apply and are shown before you confirm. The Stripe replacement cards issued from Oct-5, 2026 may have different terms; the review site lists 0% FX. No real-payment FX test found"},"crypto_conversion_fee":{"v":0,"src":["s2"],"note":"Swapping USDC, USDT, USDG or PYUSD on Solana into Cash is free; other tokens cost 0.85%; Cash to USDT, USDG or PYUSD 0.85%, Cash to USDC free"},"topup_fee":{"v":"Stablecoin swap free; ACH direct deposit 0.30%; domestic wire 1.00%; debit card via Stripe 1.75%; credit card via Stripe 3.50%","src":["s2"],"note":"Banks, payroll providers and card partners such as Robinhood may charge more. MoonPay and Meld fees are shown on the Review screen"},"atm_free_monthly":{"v":null,"note":"ATM withdrawals are not supported"},"atm_fee_pct":{"v":null,"note":"ATM withdrawals are not supported"},"atm_fee_fixed":{"v":null,"note":"ATM withdrawals are not supported"},"atm_limit_daily":{"v":null,"note":"ATM withdrawals are not supported"},"atm_limit_monthly":{"v":null,"note":"ATM withdrawals are not supported"},"spend_limit_per_tx":{"v":2000,"src":["s12"],"note":"Cardholder agreement maximum per transaction; the help page states no per-transaction limit"},"spend_limit_daily":{"v":2000,"src":["s3"],"note":"Rises to $5,000 a day by automatic review once the Cash account is 30 days old with 30 days of history"},"spend_limit_monthly":{"v":null,"note":"Not stated; money-transfer type purchases (peer-to-peer apps, funding Apple Cash) are capped at $500 a week"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s12"],"note":"Long form of the agreement: no inactivity fee"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Works with Apple Pay and Google Pay","Cash Rewards on the balance (variable APY, paid weekly)"],"src":["s3","s10"]}}],"funding":{"crypto_assets":{"v":["USDC","USDT","PYUSD","CASH"],"src":["s7","s5"],"note":"USDG also appears as a free swap into Cash in the fee table; other tokens sent to the Cash address are not credited and need a recovery process"},"chains":{"v":["Solana"],"src":["s7"]},"fiat_topup":{"v":["ACH direct deposit (US bank)","Domestic wire (US bank)","Debit card (Stripe)","Credit card (Stripe)","Apple Pay","Google Pay","MoonPay","Meld"],"src":["s6","s2"],"note":"Bank transfers: US except New York. Stripe funding: US except New York, and EU"},"deposit_fees":{"v":"Stablecoin swap free; ACH 0.30%; wire 1.00%; debit card 1.75%; credit card 3.50%","src":["s2"]},"min_deposit":{"v":null,"note":"Not published; MoonPay and Meld may set provider minimums, and limits vary by method and verification level"},"spend_from":{"v":"CASH balance in the user's own Cash account; the partner draws CASH and converts to USD at payment","src":["s3"]}},"payments":{"apple_pay":{"v":true,"src":["s3"],"note":"Add from the Cash screen"},"google_pay":{"v":true,"src":["s3"],"note":"Added manually by copying the card details into Google Wallet"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not stated; works in store through Apple Pay and Google Pay"},"online_subscriptions":{"v":null,"note":"Not stated; saved merchant and subscription details must be updated by hand after a card replacement"},"restricted_mccs":{"v":["Gambling","Crypto purchases","Gift card reloads","Cash advances","ATM withdrawals"],"src":["s3"],"note":"Money-transfer purchases (peer-to-peer apps, funding Apple Cash) capped at $500 a week"}},"availability":{"regions":{"v":["United States (except New York)"],"src":["s3"],"note":"Cash account itself is available in most countries through the mobile app, not in the UK for rewards or in sanctioned jurisdictions"},"countries_supported_count":{"v":1,"src":["s3"]},"countries_supported":{"v":["US"],"src":["s3"],"note":"New York residents excluded"},"countries_excluded":{"v":null,"note":"Card: everywhere outside the US, and New York"},"us_available":{"v":true,"src":["s3"],"note":"Except New York"},"uk_available":{"v":false,"src":["s3"],"note":"Card is US only"},"eea_available":{"v":false,"src":["s3"],"note":"Card is US only; EU users can fund Cash with Stripe but cannot get the card"}},"account_features":{"iban":{"v":null,"note":"No IBAN"},"local_accounts":{"v":"US routing and account number for ACH and wire deposits","src":["s8","s6"]},"p2p_transfers":{"v":true,"src":["s2"],"note":"Send CASH to a Phantom username or Solana address; free unless the recipient wallet never held CASH (small one-time Solana cost)"},"crypto_to_bank_payouts":{"v":true,"src":["s2"],"note":"Standard ACH withdrawal free; fast ACH $1.00 + 0.75% with a $1.50 minimum; US except New York"},"yield_on_balance":{"v":null,"note":"Cash Rewards are shown in the app as a variable APY; no rate is published on the help page"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":["Trade spot and perps, use prediction markets and deposit CASH into Solana DeFi apps from the same account"],"src":["s4"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"CASH reserve policy is published (daily 1:1 reserve in Treasuries, repos, money-market funds and deposits) but no audit or attestation is mentioned"},"insurance":{"v":"None: the card balance is not FDIC insured","src":["s12"]},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/phantom-crypto-wallet/id1598432977","src":["s14"]},"ios_rating":{"v":4.8,"src":["s14"],"note":"Rating of the whole Phantom wallet app"},"ios_rating_count":{"v":64000,"src":["s14"],"note":"About 64K ratings"},"android_url":{"v":null,"note":"Not checked"},"android_rating":{"v":null,"note":"Not checked"},"android_installs":{"v":null,"note":"Not checked"},"languages":{"v":null,"note":"Not confirmed"},"web_app":{"v":false,"src":["s4"],"note":"Cash is not available in the browser extension; mobile app only"},"support_channels":{"v":["In-app and help centre via Phantom Support","Phone dispute line for Stripe-issued cards"],"src":["s3","s4"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":1.9,"src":["s15"],"note":"Unclaimed profile for Phantom as a whole; reviews do not mention the card"},"trustpilot_reviews":{"v":16,"src":["s15"]},"common_complaints":{"v":["Slow or unresponsive support (wallet-wide reviews)","One report of a bank transfer that repeatedly failed","One report of a swap destination changing to the Cash wallet without notice"],"src":["s15"],"note":"Few reviews; not specific to the card"},"common_praise":{"v":["Low cost to turn crypto into spendable USD and Apple Pay support (review site, Jun-16, 2026)"],"src":["s17"]}},"adoption":{"users_claimed":{"v":"Tens of millions of Phantom wallet users; Cash card users not published","src":["s18"]},"onchain_spend_all_time_usd":{"v":7947000,"src":["s16"],"note":"Onchain card spend only; 210,614 transactions, about 10,023 addresses"},"onchain_spend_last_month_usd":{"v":1100000,"src":["s17"],"note":"About $1.1M in Oct-2026 per the review site, citing Paymentscan"}},"incidents":[{"date":"2026-10","type":"fee change","summary":"From Oct-5, 2026 Phantom replaced Bridge-programme virtual cards with Stripe-programme cards in stages: new card number, old card stops working, new PIN and saved merchant details to update; balance and limits unchanged.","src":["s11","s19"]}],"referral":{"user_referral_program":{"v":true,"src":["s21"],"note":"Referral rebates are paid in CASH"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"cash_issuer","label":"CASH stablecoin issuer","v":"Bridge Building Inc.; reserve of Treasury bills, Treasury repos, government money-market funds and deposits, measured daily; redeemable 1:1 for USD through Bridge; no reserve attestation mentioned","src":["s13"]},{"key":"weekly_transfer_limit","label":"Money-transfer purchases limit","v":"$500 a week (peer-to-peer apps and funding Apple Cash with the card)","src":["s3"]},{"key":"auth_holds","label":"Authorisation holds","v":"Fuel, hotel and similar merchants may hold more than the purchase; holds usually clear in 24 to 48 hours, up to 30 days; Phantom suggests keeping a 20% buffer","src":["s3"]},{"key":"disputes","label":"Dispute window","v":"Within 60 days; Stripe cards by phone line, Bridge cards through the Galileo line shown in the wallet","src":["s3"]},{"key":"deposit_timing","label":"Deposit speed","v":"Debit card and Apple/Google Pay under 1 minute; linked bank 3 to 5 business days; ACH or wire to Cash routing numbers up to 5 business days","src":["s8"]},{"key":"wire_limit","label":"Domestic wire limit","v":"$1 million per transaction","src":["s6"]},{"key":"kyc_provider","label":"Identity verification","v":"Link (Stripe); Phantom receives only the status and email and says it stores no KYC documents","src":["s1","s9"]},{"key":"account_closure","label":"Closing a Cash account","v":"Phantom cannot fully close Cash accounts; support logs close requests","src":["s4"]}],"tests":[{"metric":"conversion_spread","value":0.95,"text":"About 0.95% plus Solana gas to turn other crypto into spendable USD: the 0.85% swap fee plus a reviewer's estimate of about 0.1% sell spread. Stablecoin swaps into Cash are listed free by the issuer","tester":"Cryptonoshi","date":"2026-06-16","src":["s17"]}],"sources":[{"id":"s1","url":"https://phantom.com/cash","title":"Phantom Cash product page and card disclosures","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://help.phantom.com/hc/en-us/articles/44800531617939-Cash-fees","title":"Cash fees","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://help.phantom.com/articles/44800221533459","title":"Spend Cash with a virtual Phantom debit card (US)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://help.phantom.com/hc/en-us/articles/44800866087443","title":"Cash general FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://help.phantom.com/hc/en-us/articles/44799497237395-Understanding-your-Cash-account","title":"Understanding your Cash account","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://help.phantom.com/articles/add-cash-with-apple-pay-google-pay-debit-card-or-bank-4406543783571","title":"Fund your Cash account with Apple Pay, Google Pay, debit cards, or bank accounts","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://help.phantom.com/articles/add-cash-by-swapping-stablecoins-56250366262291","title":"Add Cash by swapping stablecoins","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://help.phantom.com/articles/troubleshoot-deposits-into-your-cash-account-55426287248659","title":"Troubleshoot deposits into your Cash account","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://help.phantom.com/articles/verify-your-identity-for-cash-us-eu-53106357740179","title":"Verify your identity for Cash (US/EU)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://help.phantom.com/articles/cash-rewards-faq-56103765083411","title":"Cash Rewards FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://help.phantom.com/articles/update-your-replacement-virtual-phantom-debit-card-us-56135715481619","title":"Update your replacement virtual Phantom debit card (US)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://www.bridge.xyz/card-agreements/phantom-card","title":"Lead Bank Prepaid Visa cardholder agreement for Phantom (hosted by Bridge)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s13","url":"https://usecash.xyz","title":"CASH stablecoin (Bridge Building Inc.)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s14","url":"https://apps.apple.com/us/app/phantom-crypto-wallet/id1598432977","title":"Phantom on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s15","url":"https://www.trustpilot.com/review/phantom.com","title":"Phantom on Trustpilot (unclaimed profile, wallet-wide reviews)","publisher":"trustpilot","accessed":"2026-11-05"},{"id":"s16","url":"https://paymentscan.xyz/cards/phantom-cash","title":"Paymentscan: Phantom Cash","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s17","url":"https://cryptonoshi.com/product/phantom-card/","title":"Phantom Card review, Last Updated Jun-16, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s18","url":"https://www.bridge.xyz/blog/phantom-builds-a-global-money-app-with-stripe-and-bridge","title":"Bridge: Phantom builds a global money app with Stripe and Bridge","publisher":"press","accessed":"2026-11-05"},{"id":"s19","url":"https://cryptocard.guide/news/phantom-virtual-card-replacement-october-2026","title":"Phantom replaces virtual cards during its October programme migration (Oct-14, 2026)","publisher":"press","accessed":"2026-11-05"},{"id":"s20","url":"https://pulse2.com/phantom-150-million-series-c-raised-at-3-billion-valuation/","title":"Phantom raises $150 million (Series C) at $3 billion valuation","publisher":"press","accessed":"2026-11-05"},{"id":"s21","url":"https://help.phantom.com/articles/phantom-referral-program-guide-55653835150099","title":"Phantom Referral Program guide","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":11,"reason":"The card is issued by Lead Bank, a state-chartered US bank, with Bridge (FinCEN-registered) as program manager and CASH issuer. Phantom is not a bank, and the replacement Stripe cards name no issuing bank.","src":["s1","s11","s12","s13"]},"custody":{"points":14,"reason":"The balance is CASH in a self-custodial Solana wallet that Phantom and partners cannot move. CASH relies on Bridge's reserve with no attestation mentioned, and the balance is not FDIC insured.","src":["s4","s12","s13"]},"incidents":{"points":16,"reason":"No hack, freeze or loss found for the card. Phantom forced a card replacement from Oct-5, 2026 (new number, old card stopped).","src":["s11","s19"]},"track_record":{"points":6,"reason":"The card has been live about a year, with about $7.9M of onchain spend and roughly 10,000 addresses, small next to the bigger cards.","src":["s16"]},"transparency":{"points":5,"reason":"Deposit and swap fees are published, but the international card fee only says fees may apply, the rewards rate is not shown and the new issuer is unnamed.","src":["s2","s3","s10"]},"support":{"points":3,"reason":"There is a help centre and in-app support, but Trustpilot shows 1.9 from 16 wallet-wide reviews with complaints about unresponsive support.","src":["s15","s4"]}},"trustPoints":55,"grade":"C","confidence":84,"best":{"tier":"Phantom Cash","net":-24,"pctOfSpend":-0.2,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-24},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":48,"website":"https://phantom.com/cash","inactive":false},{"slug":"kolo","name":"Kolo Card","brand":"Kolo","checked":"2026-11-05","summary":"Kolo is a crypto wallet app (iOS, Android, Telegram, web) with free virtual-only Visa Platinum cards in USD and EUR, funded from your crypto and converted at each payment. Cashback is BTC, 2% for the first 30 days then 1%, with small per-transaction caps; the card carries a 1% Kolo conversion fee.","company":{"legal_entity":{"v":"Hardline Holding Limited (AIFC, Kazakhstan); earlier operators Cryppo UAB (Lithuania) and BURVIX Sp. z o.o. (Poland)","src":["s18"],"note":"Per Penchan; Kolo's own pages do not name the entity. Finek also reports Hardline Holding with a Kazakh AFSA licence"},"hq_country":{"v":"Kazakhstan","src":["s18","s28"],"note":"Operator is registered in the AIFC; team reps reported in Portugal and UK by Cryptonoshi"},"founded":{"v":"2022","src":["s18"],"note":"Per a press release cited by Penchan"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://kolo.xyz","src":["s16"]},"x_handle":{"v":"@KoloHub","src":["s16"]},"telegram":{"v":"https://t.me/koloann","src":["s16"]}},"issuer":{"name":{"v":"Banco Popular de Puerto Rico (USD card, BIN 454905); WIREX, LTD, UK (EUR card, BIN 442601)","src":["s3"],"note":"From Kolo Card Overview; the issuer is assigned by verification. Older third-party pages name Rain/Nimbus with BIN 45492406 for the USD card; not confirmed by Kolo"},"program_manager":{"v":"Kolo","src":["s3"]},"licences":{"v":null,"note":"Not published by Kolo"},"regulator":{"v":null,"note":"Not published by Kolo"},"card_network":{"v":"Visa","src":["s3"]},"card_product_level":{"v":"Visa Platinum","src":["s3"]}},"product":{"status":{"v":"live","src":["s16","s3"]},"launched":{"v":"2025-02","src":["s19","s20"],"note":"Per Paymentscan and Cryptonoshi; the EUR card followed in Jul-2026 (Kolo cashback page dates the EUR launch to Jul-24, 2026)"},"card_kind":{"v":"debit","src":["s20"],"note":"Cryptonoshi calls it a debit card that is classified as credit at the backend"},"forms":{"v":["virtual"],"src":["s3"],"note":"Physical cards planned for 2027"},"custody":{"v":"hybrid","src":["s9","s18"],"note":"Kolo says the wallet is non-custodial (MPC); the card-linked USD balance is fiat and not self-custodial per Penchan"},"custody_detail":{"v":"Wallet secured by MPC: the user holds a key share needed to authorise every transaction; Kolo holds its own share, which alone cannot sign","src":["s9"],"note":"Per Penchan, the card-linked USD \"card issue bonus\" balance is fiat and spend-only"},"kyc_level":{"v":"full","src":["s12"]},"kyc_documents":{"v":"Valid original ID document plus selfie liveness check; proof of address when requested (e.g. EUR card); source-of-funds documents for limit increases","src":["s12"]},"kyc_time":{"v":"Usually a few minutes; manual review up to 1 hour","src":["s12"]},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":true,"src":["s2"],"note":"Kolo has a separate business product; this file covers personal cards only"},"settlement_currency":{"v":"USD (USD card); EUR (EUR card)","src":["s3"]},"card_currencies":{"v":["USD","EUR"],"src":["s3"]}},"tiers":[{"name":"USD Card","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"]},"price_annual":{"v":0,"src":["s1"],"note":"No annual fee published; Fees & Pricing lists no monthly account or maintenance fee"},"issuance_virtual":{"v":0,"src":["s1","s4"],"note":"Free, but activation needs a deposit of the equivalent of $10 (10 USDT/USDC/DAI or 9 EURC/EURI); it is refunded as a USD \"card issue bonus\" that is spend-only, not withdrawable"},"issuance_physical":{"v":null,"note":"No physical card; planned for 2027 per Kolo"},"shipping":{"v":null,"note":"Not applicable, virtual only"},"replacement_fee":{"v":null,"note":"No fee published; lifetime replacement limit 10 per account (USD) per Penchan"},"staking_required":{"v":0,"src":["s1"]},"other_requirements":{"v":"Completed identity verification; card availability depends on verification country and document country","src":["s4","s12"],"note":"EUR card may need proof of address"},"cashback_rate":{"v":2,"src":["s2"],"note":"2% for the first 30 days after card activation, then 1%"},"cashback_asset":{"v":"BTC","src":["s2"],"note":"Always paid in BTC, valued at Kolo's rate at authorization"},"cashback_cap_monthly":{"v":100,"src":["s2"],"note":"In BTC equivalent, $100 a month. Per transaction: $2 in the 2% period, $1 afterwards; minimum qualifying purchase $1"},"cashback_eligible_spend":{"v":"All merchants worldwide, any category, personal cards","src":["s2"]},"cashback_exclusions":{"v":"Business and co-branded cards; accounts with suspicious or abusive activity can be limited","src":["s2"],"note":"Kolo may change, suspend or end the programme at any time without notice"},"cashback_vesting":{"v":"None stated. Pending until the transaction clears, then paid daily; clearing takes about 1-3 days (USD) or up to 14 days (EUR)","src":["s2"]},"points_program":{"v":false,"src":["s2"]},"fx_fee":{"v":1,"src":["s1"],"note":"Visa FX +1% on non-USD payments (pass-through). Other 1% costs apply on top: 1% Kolo conversion on every card payment and +1% issuer fee on USD payments at non-US merchants. Real payments by users reported lower totals, about 0.35% to 1% over the Visa rate on a USD card, and 1% to 2.6% on EUR payments (see tests); issuer figures kept here"},"crypto_conversion_fee":{"v":1,"src":["s1"],"note":"1% Kolo conversion fee on each card payment. The home page claims 0% mark-ups on USDT, USDC, EURC; the two statements are not reconciled by Kolo"},"topup_fee":{"v":0,"src":["s1","s10"],"note":"0% on crypto deposits; network fees apply. USD card cannot be topped up by card"},"atm_free_monthly":{"v":null,"note":"No free allowance published"},"atm_fee_pct":{"v":0.65,"src":["s8"]},"atm_fee_fixed":{"v":1,"src":["s8"],"note":"Balance inquiry and declined ATM attempt cost $0.60 each; ATM operator surcharges extra"},"atm_limit_daily":{"v":500,"src":["s8","s7"],"note":"$500 per withdrawal, max 3 withdrawals per rolling 24 hours; fixed, cannot be raised"},"atm_limit_monthly":{"v":null,"note":"No separate monthly ATM limit; general account limits apply"},"spend_limit_per_tx":{"v":null,"note":"No general per-transaction limit published; category caps apply (e.g. $2,000 gaming, $10,000 ad services)"},"spend_limit_daily":{"v":9000,"src":["s5"],"note":"Personal account-wide limit in $, shared across wallets; resets 00:00 UTC; higher limits on request with source-of-funds documents"},"spend_limit_monthly":{"v":9000,"src":["s5"],"note":"Personal account-wide limit; resets on the 1st, 00:00 UTC"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s1"],"note":"No inactivity fee listed in Fees & Pricing; Cryptonoshi also lists 0"},"decline_fee":{"v":0,"src":["s1"],"note":"No fee for declined purchases listed; declined ATM attempts cost $0.60"},"perks":{"v":["Visa Platinum benefits, managed by Visa not Kolo","Bitcoin cashback"],"src":["s3"],"note":"Kolo has no direct integration with Visa Loyalty"}},{"name":"EUR Card","currency":"EUR","is_default":false,"price_monthly":{"v":0,"src":["s1"]},"price_annual":{"v":0,"src":["s1"],"note":"No annual fee published; Fees & Pricing lists no monthly account or maintenance fee"},"issuance_virtual":{"v":0,"src":["s1","s4"],"note":"Free, but activation needs a deposit of the equivalent of EUR 10; refunded as a spend-only \"card issue bonus\" in USD"},"issuance_physical":{"v":null,"note":"No physical card; planned for 2027 per Kolo"},"shipping":{"v":null,"note":"Not applicable, virtual only"},"replacement_fee":{"v":null,"note":"No fee published; lifetime replacement limit 5 per account (EUR) per Penchan"},"staking_required":{"v":0,"src":["s1"]},"other_requirements":{"v":"Completed identity verification; card availability depends on verification country and document country","src":["s4","s12"],"note":"EUR card may need proof of address"},"cashback_rate":{"v":2,"src":["s2"],"note":"2% for the first 30 days after first EUR card issue, then 1%"},"cashback_asset":{"v":"BTC","src":["s2"],"note":"Always paid in BTC, valued at Kolo's rate at authorization"},"cashback_cap_monthly":{"v":100,"src":["s2"],"note":"In BTC equivalent, EUR 100 a month. Per transaction: EUR 2 in the 2% period, EUR 1 afterwards; minimum qualifying purchase EUR 1"},"cashback_eligible_spend":{"v":"All merchants worldwide, any category, personal cards","src":["s2"]},"cashback_exclusions":{"v":"Business and co-branded cards; accounts with suspicious or abusive activity can be limited","src":["s2"],"note":"Kolo may change, suspend or end the programme at any time without notice"},"cashback_vesting":{"v":"None stated. Pending until the transaction clears, then paid daily; clearing takes about 1-3 days (USD) or up to 14 days (EUR)","src":["s2"]},"points_program":{"v":false,"src":["s2"]},"fx_fee":{"v":1.35,"src":["s1","s6"],"note":"Visa rate + 0% on USD/EUR/GBP, +0.55% on CHF, CZK, DKK, GIP, HUF, ISK, NOK, PLN, RON, SEK, +1.35% on other currencies. Penchan lists 1% conversion + 1.35% for USD payments, which the issuer pages do not show. A user measured about 1% lost on EUR payments in Sep-2026 (see tests)"},"crypto_conversion_fee":{"v":1,"src":["s1"],"note":"1% Kolo conversion fee on each card payment. The home page claims 0% mark-ups on USDT, USDC, EURC; the two statements are not reconciled by Kolo"},"topup_fee":{"v":1,"src":["s10"],"note":"Crypto deposits 0%. Card-to-card top-up to the EUR card carries a 1% FX fee on the converted amount"},"atm_free_monthly":{"v":null,"note":"Not available"},"atm_fee_pct":{"v":null,"note":"ATM withdrawals not available on EUR card"},"atm_fee_fixed":{"v":null,"note":"ATM withdrawals not available on EUR card"},"atm_limit_daily":{"v":null,"note":"Not available"},"atm_limit_monthly":{"v":null,"note":"Not available"},"spend_limit_per_tx":{"v":30000,"src":["s6"],"note":"EUR 30,000 per transaction"},"spend_limit_daily":{"v":9000,"src":["s5"],"note":"Personal account-wide limit in $, shared across wallets; resets 00:00 UTC; higher limits on request with source-of-funds documents"},"spend_limit_monthly":{"v":9000,"src":["s5","s6"],"note":"Account-wide $9,000 limit also applies; the EUR card itself allows EUR 30,000 a month per card"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s1"],"note":"No inactivity fee listed in Fees & Pricing; Cryptonoshi also lists 0"},"decline_fee":{"v":0,"src":["s1"],"note":"No decline fee listed"},"perks":{"v":["Visa Platinum benefits, managed by Visa not Kolo","Bitcoin cashback"],"src":["s3"],"note":"Kolo has no direct integration with Visa Loyalty"}}],"funding":{"crypto_assets":{"v":["BTC","ETH","LTC","USDT","USDC","DAI","EURC","EURI"],"src":["s16","s4"],"note":"Home page says any crypto and most of the top 20 by market cap; BNB cannot be used for card payments"},"chains":{"v":["Stellar","Polygon","Solana","BNB Chain","Tron","Tezos","Ethereum","Bitcoin","Base","Arbitrum One","Litecoin"],"src":["s11"],"note":"Which asset runs on which network is not published"},"fiat_topup":{"v":["card-to-card (EUR card only)"],"src":["s10"],"note":"USD card: crypto only"},"deposit_fees":{"v":"0% on crypto deposits; sender network fees apply","src":["s1","s10"]},"min_deposit":{"v":"Each asset and network has its own minimum shown in the app; first activation deposit is the equivalent of $10 (USD card) or EUR 10 (EUR card)","src":["s4","s10"]},"spend_from":{"v":"Crypto balance converted at the moment of payment; several assets can be combined in one payment","src":["s3"],"note":"A 1% slippage buffer is held temporarily and returned if unused"}},"payments":{"apple_pay":{"v":true,"src":["s13"],"note":"USD card needs a country of residence where Apple Pay is available"},"google_pay":{"v":true,"src":["s13"]},"samsung_pay":{"v":false,"src":["s13"],"note":"Not available yet; use Google Wallet on Samsung phones"},"three_d_secure":{"v":true,"src":["s14"],"note":"In-app confirmation (EUR cards, USD cards issued after May-18, 2026) or SMS/email code"},"contactless":{"v":true,"src":["s13"],"note":"Through Apple Pay or Google Pay only; no physical card"},"online_subscriptions":{"v":true,"src":["s16"],"note":"Kolo names Amazon, Netflix and Steam; some merchants are blocked (see restricted MCCs)"},"restricted_mccs":{"v":"USD card: weapons, wire transfers, quasi-cash, securities brokers, money transfer, gambling and lotteries, dating and escort services, adult content (most), political and religious organisations, among others; EUR card: 5122, 5169, 5960, 5962, 5966, 7273, 7297, 7801. Named blocked merchants include Wise, MoonPay, eToro, Skrill, Neteller","src":["s7","s6"],"note":"Full lists in the linked help articles; lists are not exhaustive"}},"availability":{"regions":{"v":["EEA","UK","LATAM","APAC","Middle East","Africa"],"src":["s20"],"note":"Per Cryptonoshi country list; Kolo's page lists countries at kolo.xyz/countries"},"countries_supported_count":{"v":null,"note":"Kolo states both \"60+\" countries for card spending and \"170+\" for the wallet; Cryptonoshi lists about 173"},"countries_supported":{"v":null,"note":"Kolo publishes the list on kolo.xyz/countries, which did not load in full"},"countries_excluded":{"v":["SY","IR","CU","KP","RU","UA","VE"],"src":["s7"],"note":"Card use blocked for the USD card; Taiwan reported as not open (Penchan)"},"us_available":{"v":false,"src":["s20","s18"],"note":"Not confirmed by Kolo itself"},"uk_available":{"v":true,"src":["s20"]},"eea_available":{"v":true,"src":["s20","s16"]}},"account_features":{"iban":{"v":false,"src":["s10"],"note":"No IBAN to receive money; EUR withdrawal to a bank IBAN exists"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":true,"src":["s16"],"note":"Send funds in the app and by email (help centre)"},"crypto_to_bank_payouts":{"v":"EUR IBAN (SEPA) withdrawal for 1 EUR per transfer","src":["s1"]},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s3"],"note":"USD and EUR cards"},"other":{"v":"In-app swap between supported assets; up to 100 wallets per account, 3 active cards at once","src":["s4","s16"]}},"security":{"card_freeze":{"v":true,"src":["s27"],"note":"Card Lock & Termination article"},"two_factor":{"v":true,"src":["s14"],"note":"Kolo help centre has a 2FA article; 3DS confirmations in app, SMS or email"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://get.kolo.xyz/","src":["s16"],"note":"Kolo's download link; store pages not read"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":"https://get.kolo.xyz/","src":["s16"]},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","German","Kazakh","Portuguese","Russian","Spanish","Turkish","Ukrainian"],"src":["s20"]},"web_app":{"v":"https://my.kolo.in","src":["s18"],"note":"Also a Telegram mini app (@kolo)"},"support_channels":{"v":["Help centre","Telegram bot","Email"],"src":["s27","s20"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Score not read"},"trustpilot_reviews":{"v":47,"src":["s26"],"note":"Snapshot count, listed under kolo.in; one snapshot shows 50"},"common_complaints":{"v":["Payments in euros reported to go through a double conversion on early tests","Refunds land on the fiat card balance rather than crypto","App bugs reported by some users","Per-transaction cashback cap of $1 after the first month limits larger purchases","Activation deposit comes back only as spend-only card balance"],"src":["s24","s25","s2"]},"common_praise":{"v":["Stable, low extra cost on USD-card payments in third currencies per some users","BTC cashback","Support replies quickly (Cryptonoshi test)","Wide range of identity documents accepted"],"src":["s20","s28"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":137100000,"src":["s19"],"note":"Paymentscan on-chain estimate, settlements are batched"},"onchain_spend_last_month_usd":{"v":20500000,"src":["s19"],"note":"October 2026"}},"incidents":[{"date":"2026-07","type":"fee change","summary":"Kolo launched its BTC cashback programme (2% for 30 days then 1%) on Jul-24, 2026 and the EUR card on Wirex; the wallet moved to an MPC non-custodial model.","src":["s2","s9","s18"]}],"referral":{"user_referral_program":{"v":"Referrer earns up to 40% of Kolo's fee on referrals' fee-based transactions","src":["s15"],"note":"Finek reports partner links with 5% BTC cashback for three months on EUR cards for new users; not on Kolo's cashback page"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"US merchants (USD card)","field":"tiers[0].crypto_conversion_fee","v":1,"src":["s1"]},{"region":"Non-US merchants (USD card)","field":"tiers[0].fx_fee","v":2,"src":["s1","s18"]}],"tests":[{"metric":"conversion_spread","value":0.32,"text":"About 0.32% sell spread when converting BTC to USD at payment","tester":"Cryptonoshi","date":"2026-11-02","src":["s20"]},{"metric":"fx_markup","value":1,"text":"About 1% lost on a EUR payment from EURC or USDC at the forex rate on the EUR card","tester":"Finek chat member","date":"2026-09-12","src":["s22"]},{"metric":"fx_markup","value":0.35,"text":"About 0.35% over the rate paying in GEL; the tester noted a decline and planned a recheck","tester":"Finek chat member","date":"2026-09-24","src":["s23"]},{"metric":"fx_markup","value":0.9,"text":"About 0.9% over the exchange rate on a EUR 19 payment, with conversion through USD","tester":"Finek chat member","date":"2025-12-11","src":["s24"]}],"extra":[{"key":"activation_deposit","label":"Activation deposit","v":"USD card: 10 USDT, USDC or DAI (or 9 EURC/EURI). EUR card: equivalent of EUR 10. Refunded as a spend-only \"card issue bonus\" in USD","src":["s4","s1"]},{"key":"balance_buffer","label":"Payment balance buffer","v":"About 1% held during conversion (help centre); the USD card risk page advises keeping about 2%","src":["s1","s7"]},{"key":"card_issuance_limits","label":"Card issuance limits","v":"USD: up to 50 new cards per 90 days; EUR: up to 5 over the account lifetime; 3 active cards at once","src":["s3"]},{"key":"partner_promo","label":"Referral-link promo (reported)","v":"5% BTC cashback for three months on EUR cards for new users via partner links, capped at $5 per transaction, per Finek; Kolo's cashback page lists only 2% then 1%","src":["s21"]},{"key":"eur_fx_table","label":"EUR card currency surcharges","v":"USD/EUR/GBP 0%; CHF, CZK, DKK, GIP, HUF, ISK, NOK, PLN, RON, SEK +0.55%; other currencies +1.35%","src":["s6"]},{"key":"apple_account_region","label":"Apple Account region for Apple services","v":"USD card needs an Apple Account set to the United States; EUR card needs the United Kingdom","src":["s13"]}],"sources":[{"id":"s1","url":"https://help.kolo.xyz/en/articles/13942206-fees-pricing","title":"Kolo Help Center: Fees & Pricing","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://help.kolo.xyz/en/articles/13623113-cashback-program","title":"Kolo Help Center: Cashback Program (page dated Sep-30, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://help.kolo.xyz/en/articles/13605242-card-overview","title":"Kolo Help Center: Card Overview","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://help.kolo.xyz/en/articles/13605256-personal-card-activation","title":"Kolo Help Center: Personal Card Activation","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://help.kolo.xyz/en/articles/13613691-spending-and-transaction-limits","title":"Kolo Help Center: Spending and Transaction Limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://help.kolo.xyz/en/articles/14779550-visa-eur-442601-card-limits-and-restrictions","title":"Kolo Help Center: Visa EUR 442601 Card Limits and Restrictions","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://help.kolo.xyz/en/articles/13605261-visa-usd-454905-card-risk-rules-decline-reasons","title":"Kolo Help Center: Visa USD 454905 Card Risk Rules & Decline Reasons","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://help.kolo.xyz/en/articles/16001482-cash-withdrawal","title":"Kolo Help Center: Cash Withdrawal","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://help.kolo.xyz/en/articles/13890422-your-kolo-wallet-how-it-works","title":"Kolo Help Center: Your Kolo Wallet, How It Works","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://help.kolo.xyz/en/articles/15176160-how-to-top-up-your-balance-in-kolo","title":"Kolo Help Center: How to Top Up Your Balance","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://help.kolo.xyz/en/articles/16911793-crypto-deposits-how-to-receive-funds-in-kolo","title":"Kolo Help Center: Crypto Deposits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://help.kolo.xyz/en/articles/14550196-kolo-verification-how-it-works","title":"Kolo Help Center: Kolo Verification, How It Works","publisher":"issuer","accessed":"2026-11-05"},{"id":"s13","url":"https://help.kolo.xyz/en/articles/14495460-add-your-kolo-card-to-apple-pay-google-pay-and-more","title":"Kolo Help Center: Add Your Kolo Card to Apple Pay, Google Pay and More","publisher":"issuer","accessed":"2026-11-05"},{"id":"s14","url":"https://help.kolo.xyz/en/articles/13605785-3d-secure-3ds-how-it-works","title":"Kolo Help Center: 3D Secure (3DS)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s15","url":"https://help.kolo.xyz/en/articles/13869325-referral-program","title":"Kolo Help Center: Referral Program","publisher":"issuer","accessed":"2026-11-05"},{"id":"s16","url":"https://kolo.xyz","title":"Kolo home page and FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s17","url":"https://kolo.xyz/blog/usdt-visa-card-spend-crypto-like-cash-in-2026","title":"Kolo blog: USDT Visa card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s18","url":"https://penchan.co/en/crypto/cards/kolo-card-guide/","title":"Penchan: Kolo card guide","publisher":"review","accessed":"2026-11-05"},{"id":"s19","url":"https://paymentscan.xyz/cards/kolo","title":"Paymentscan: Kolo","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s20","url":"https://cryptonoshi.com/product/kolo-card/","title":"Cryptonoshi: Kolo Card review, Last Updated Nov-02, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s21","url":"https://t.me/bankandfintech/908","title":"Finek channel post, Sep-10, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s22","url":"https://t.me/c/1916527029/245696","title":"Finek chat, user report, Sep-12, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s23","url":"https://t.me/c/1916527029/250374","title":"Finek chat, user report, Sep-24, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s24","url":"https://t.me/c/1916527029/138852","title":"Finek chat, user report, Dec-11, 2025","publisher":"community","accessed":"2026-11-05"},{"id":"s25","url":"https://t.me/c/1916527029/245596","title":"Finek chat, user report, Sep-12, 2026 (complaints)","publisher":"community","accessed":"2026-11-05"},{"id":"s26","url":"https://ca.trustpilot.com/review/kolo.in","title":"Trustpilot: Kolo reviews","publisher":"trustpilot","accessed":"2026-11-05"},{"id":"s27","url":"https://help.kolo.xyz/en/collections/17033900-card","title":"Kolo Help Center: Card collection","publisher":"issuer","accessed":"2026-11-05"},{"id":"s28","url":"https://t.me/bankandfintech/610","title":"Finek channel post, Jan-21, 2026","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":7,"reason":"Named card issuers, but Kolo does not name its own entity. A Kazakh AFSA licence comes from third parties only.","src":["s3","s18"]},"custody":{"points":11,"reason":"Wallet uses shared keys, while the card balance is fiat held for you, so it is hybrid.","src":["s9","s18"]},"incidents":{"points":17,"reason":"No hack or freeze found. Fee and cashback terms moved in Jul 2026.","src":["s2"]},"track_record":{"points":9,"reason":"$137M spend tracked by Paymentscan since Feb 2025.","src":["s19"]},"transparency":{"points":6,"reason":"Full fee page, but the home page says 0% mark-up while that page charges 1% conversion.","src":["s1","s3"]},"support":{"points":5,"reason":"Help centre, Telegram and email. Users report refund and app problems.","src":["s27","s24"]}},"trustPoints":55,"grade":"C","confidence":84,"best":{"tier":"USD Card","net":-30,"pctOfSpend":-0.25,"lines":[{"label":"Rewards you can spend","usd":114,"note":"$120 paid in a volatile token, counted at 95%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-24},{"label":"Fees on every purchase","usd":-120},{"label":"Cost of locked money","usd":0}]},"score":43,"website":"https://kolo.xyz","inactive":false},{"slug":"exa","name":"Exa Card","brand":"Exa","checked":"2026-11-05","summary":"Exa is a self-custody app (passkey smart account on Optimism) with a free virtual Visa Signature card. You can pay now from your balance or pay later in installments borrowed against your deposits; there is no cashback and a 1.5% fee on non-USD purchases.","company":{"legal_entity":{"v":"Exa Labs S.A.S. (Uruguay)","src":["s9","s5"],"note":"App terms name it as incorporated in Uruguay; site footer says Exa Labs SAS"},"hq_country":{"v":"Uruguay","src":["s9"],"note":"Inferred from the place of incorporation; no head-office address published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.exactly.app","src":["s5"]},"x_handle":{"v":"@Exa_App","src":["s5"]},"telegram":{"v":null,"note":"Not listed on the site"}},"issuer":{"name":{"v":"Third National","src":["s6"],"note":"Named in the card terms (fee data dated Jan-13, 2025). Third-party sources say Rain runs the programme (BIN 45492406); the issuer does not confirm this"},"program_manager":{"v":"Exa Labs S.A.S.","src":["s6","s5"],"note":"Site says cards are issued by licensed third parties; Exa Labs does not issue payment instruments"},"licences":{"v":null,"note":"Terms say only that the programme is issued under licence from Visa; no issuer licence is stated"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s5","s10"]},"card_product_level":{"v":"Visa Signature","src":["s5","s10"]}},"product":{"status":{"v":"live","src":["s5","s10"]},"launched":{"v":"2024-07","src":["s10"]},"card_kind":{"v":"secured credit","src":["s4","s6"],"note":"Issuer calls it a credit card: deposits act as collateral; Pay now deducts from your assets, Installments borrows from Exactly Protocol. Cryptonoshi calls it prepaid"},"forms":{"v":["virtual"],"src":["s10","s13"],"note":"Virtual only; ATM cash is possible via the virtual card in a phone wallet with NFC"},"custody":{"v":"self-custody","src":["s9","s14"],"note":"Terms: Exa has no custody of or access to the wallet's private keys"},"custody_detail":{"v":"Passkey-secured smart account; deposits are placed in Exactly Protocol markets as collateral and can be liquidated if a loan becomes undercollateralised","src":["s14","s5","s9"]},"kyc_level":{"v":"full","src":["s14","s5"]},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":"About 3 minutes","src":["s5"],"note":"Issuer's own claim for the KYC process"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":null,"note":"Not published"},"settlement_currency":{"v":"USD","src":["s1"]},"card_currencies":{"v":["USD"],"src":["s1"]}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s10"],"note":"No recurring or signup fees per Paymentscan; issuer pages list none"},"price_annual":{"v":0,"src":["s10"]},"issuance_virtual":{"v":0,"src":["s10"],"note":"Free; card is created after KYC and a first deposit"},"issuance_physical":{"v":null,"note":"No physical card"},"shipping":{"v":null,"note":"No physical card"},"replacement_fee":{"v":null,"note":"Replacement can be requested in the app; no fee stated"},"staking_required":{"v":0,"src":["s4"],"note":"Deposits are collateral for the credit mode, not a lock-up"},"other_requirements":{"v":"Completed KYC and a deposit","src":["s4"]},"cashback_rate":{"v":0,"src":["s10","s5"],"note":"No cashback offered; the site mentions variable Exa Yield on deposited assets, not guaranteed"},"cashback_asset":{"v":null,"note":"No cashback"},"cashback_cap_monthly":{"v":null,"note":"No cashback"},"cashback_eligible_spend":{"v":null,"note":"No cashback"},"cashback_exclusions":{"v":null,"note":"No cashback"},"cashback_vesting":{"v":null,"note":"No cashback"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":1.5,"src":["s1","s6","s10"],"note":"Charged on every non-USD purchase and built into the exchange rate. Paymentscan measured about 1.5% (see tests). Terms also list a 1% cross-border fee and foreign transaction fees of up to 1.5%, so the all-in cost on foreign purchases may be higher"},"crypto_conversion_fee":{"v":null,"note":"No conversion fee published by the issuer; Cryptonoshi reports a sell spread of about 0.5% (see tests)"},"topup_fee":{"v":"Crypto: none published. Bank deposits via Bridge: USD ACH 0.4%, USD wire 1.0%, EUR SEPA 0.7%, GBP 1.0%, MXN 1.0%","src":["s2"],"note":"Exa covers Bridge fees up to $3,000 cumulative volume or 60 transactions (not US domestic wires)"},"atm_free_monthly":{"v":null,"note":"None published"},"atm_fee_pct":{"v":0.65,"src":["s7"]},"atm_fee_fixed":{"v":1,"src":["s7"],"note":"$1 per withdrawal; ATM operators may add their own fee"},"atm_limit_daily":{"v":"4 withdrawals a day","src":["s7"],"note":"Up to $250 per withdrawal, i.e. up to $1,000 a day"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not addressed in the terms"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Visa Signature benefits (lounge access, travel assistance, car rental savings)","Pay later in up to 9 installments, one every 28 days, at a fixed interest rate"],"src":["s5","s14"],"note":"Visa perks as advertised by Exa; terms of each benefit not checked"}}],"funding":{"crypto_assets":{"v":["USDC","ETH","wstETH","WBTC","OP"],"src":["s14","s10"]},"chains":{"v":["Optimism","Ethereum","Base","Arbitrum","Polygon","BNB Chain"],"src":["s15"],"note":"OP Mainnet is native, others are bridged; Paymentscan lists funding on Base and Optimism"},"fiat_topup":{"v":["ACH","wire","SEPA","GBP bank transfer","MXN bank transfer","Argentina local transfer"],"src":["s2","s15"],"note":"Fiat arrives as USDC via Bridge (and Manteca in Argentina)"},"deposit_fees":{"v":"See top-up fee","src":["s2"],"note":"Manteca conversion cost is built into the displayed rate"},"min_deposit":{"v":"EUR 1, GBP 2, MXN 50 per bank deposit (after fee)","src":["s2"],"note":"Crypto minimum not published"},"spend_from":{"v":"Your deposited balance (Pay now) or a loan against it (Installments)","src":["s4"]}},"payments":{"apple_pay":{"v":true,"src":["s4"]},"google_pay":{"v":true,"src":["s4"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s4"],"note":"Via Apple Wallet or Google Wallet"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":"Cash-like transactions such as crypto, wire transfers and gambling may be restricted","src":["s6"]}},"availability":{"regions":{"v":["Latin America","Europe","Asia-Pacific","Africa"],"src":["s14"],"note":"Issuer says available in over 160 countries; no region list published"},"countries_supported_count":{"v":160,"src":["s14"],"note":"'Over 160 countries'"},"countries_supported":{"v":null,"note":"No list on the issuer's pages"},"countries_excluded":{"v":null,"note":"App terms list sanctioned and restricted territories; list is long and inconsistent, see the terms"},"us_available":{"v":false,"src":["s6","s9"],"note":"Card terms require you to attest you are not a US citizen; app terms prohibit US Persons. Cryptonoshi says the card is available to US residents"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":null,"note":"Not published"}},"account_features":{"iban":{"v":"Virtual accounts for USD (ACH/wire) and EUR (SEPA) via Bridge","src":["s2"]},"local_accounts":{"v":["USD","EUR"],"src":["s2"]},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":"USD ACH 0.4%, USD wire 1.0%, EUR SEPA 0.7% offramp","src":["s2"]},"yield_on_balance":{"v":null,"note":"Exa Yield is variable and not guaranteed; no rate published"},"crypto_loans":{"v":true,"src":["s5","s14"],"note":"Fixed-rate loans from Exactly Protocol against deposited assets; installments up to 9"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":"Passkeys","src":["s14"]},"biometrics":{"v":true,"src":["s14"],"note":"Passkey is unlocked by biometrics or device security"},"proof_of_reserves":{"v":null,"note":"Not applicable: funds sit in the user's own smart account"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":"Exactly protocol and Exa App contracts audited by ABDK, Chainsafe, Coinspect, Hashlock, OpenZeppelin, Sherlock and Quantstamp; Quantstamp audited the Exa App plugin in Jul-2024, Mar-2025 and Oct-2025","src":["s11"]}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/exa-app/id6572315454","src":["s12"]},"ios_rating":{"v":5,"src":["s12"],"note":"Only 4 ratings"},"ios_rating_count":{"v":4,"src":["s12"]},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","Portuguese","Spanish"],"src":["s12"]},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["In-app chat","Email"],"src":["s6","s13"],"note":"Email exa.app@exact.ly per card terms"},"support_hours":{"v":null,"note":"Human support reported not to work at weekends (Cryptonoshi test)"}},"reputation":{"trustpilot_score":{"v":null,"note":"No Exa App page found"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["No cashback","No physical card","10,000 USD weekly purchase limit unless documents are provided"],"src":["s13","s8"]},"common_praise":{"v":["Self-custody with passkeys","Pay later in installments","Fast chat support replies"],"src":["s13"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":24100000,"src":["s10"],"note":"Paymentscan on-chain spend; the issuer's home page shows about $17.4M processed"},"onchain_spend_last_month_usd":{"v":1714000,"src":["s13"],"note":"Oct-2026 per review citing Paymentscan data"}},"incidents":[],"referral":{"user_referral_program":{"v":"Experimental referral programme exists","src":["s13"],"note":"Review reports support described it; terms not checked"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"weekly_purchase_limit","label":"Weekly purchase limit","v":"$10,000 a week for credit-card purchases; above that a source-of-funds check is required to raise it","src":["s8"]},{"key":"installments","label":"Pay later installments","v":"Up to 9 installments, each due every 28 days, at a fixed rate set at purchase; terms state 0% APR on purchases but interest may be introduced later","src":["s14","s6"]},{"key":"cross_border_fee","label":"Cross-border fee","v":"1% in the card terms, in addition to the 1.5% FX fee","src":["s6"]},{"key":"liquidation","label":"Liquidation","v":"Deposits are collateral for loans; the terms reserve a liquidation fee but state no amount","src":["s6"]},{"key":"governing_law","label":"Governing law","v":"Card terms: Puerto Rico law with AAA arbitration in New York; app terms: Lithuanian law with ICC arbitration","src":["s6","s9"]}],"tests":[{"metric":"fx_markup","value":1.5,"text":"About a 1.5% spread against the reference rate on a non-USD purchase","tester":"Paymentscan","date":null,"src":["s10"]},{"metric":"conversion_spread","value":0.5,"text":"Sell spread of about 0.5% when converting crypto at purchase, plus a 1% transaction fee in the reviewer's table, about 1.5% in total on USD purchases","tester":"Cryptonoshi review","date":"2026-07-24","src":["s13"]}],"sources":[{"id":"s1","url":"https://help.exactly.app/en/articles/9055779-exa-card-associated-fees-and-costs","title":"Exa Card associated fees and costs","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://help.exactly.app/en/articles/14093183-onramping-offramping-fees-limits","title":"Onramping and offramping fees and limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://help.exactly.app/en/articles/10209480-where-is-the-exa-card-issued","title":"Where is the Exa Card issued?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://help.exactly.app/en/articles/10022626-how-does-the-exa-card-work","title":"How does the Exa Card work?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://www.exactly.app/","title":"Exa App home","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://intercom.help/exa-app/en/articles/10707672-exa-card-terms-and-conditions","title":"Exa Card terms and conditions","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://intercom.help/exa-app/en/articles/11758961-how-to-withdraw-cash-from-an-atm-with-your-exa-card","title":"How to withdraw cash from an ATM with your Exa Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://intercom.help/exa-app/en/articles/8971540-exa-card-purchase-limits","title":"Exa Card purchase limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://intercom.help/exa-app/en/articles/9942510-exa-app-terms-and-conditions","title":"Exa App terms and conditions","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://paymentscan.xyz/cards/exa","title":"Exa on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s11","url":"https://docs.exact.ly/security/audits","title":"Exactly security audits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://apps.apple.com/us/app/exa-app/id6572315454","title":"Exa App on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s13","url":"https://cryptonoshi.com/product/exa-card/","title":"Exa Card review, Last Updated Jul-24, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s14","url":"https://docs.exact.ly/exa-app/how-the-exa-app-works.md","title":"How the Exa App works","publisher":"issuer","accessed":"2026-11-05"},{"id":"s15","url":"https://help.exactly.app/en/articles/14361371-how-to-add-funds-to-your-exa-app","title":"How to add funds to your Exa App","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":10,"reason":"Terms name Third National as issuer under Visa licence, but no issuer licence or regulator is stated and Exa Labs (Uruguay) holds no licence of its own. The Nimbus/Rain issuer reported elsewhere is not confirmed by the issuer.","src":["s6","s3"]},"custody":{"points":16,"reason":"Self-custody smart account secured by passkeys; terms say Exa has no access to the keys. Collateral can be liquidated in credit mode and smart contracts carry risk.","src":["s9","s14"]},"incidents":{"points":17,"reason":"No incident, freeze or loss found.","src":["s5"]},"track_record":{"points":7,"reason":"Live since Jul-2024 with about $24.1M of on-chain spend in total and roughly $1.7M a month, small compared with the leaders.","src":["s10","s13"]},"transparency":{"points":6,"reason":"Detailed help centre, public audit list and fee articles, but the card pages leave out limits and the issuer name differs between sources.","src":["s11","s1","s6"]},"support":{"points":5,"reason":"In-app chat and email; a review test found fast AI replies, human help missing at weekends, and the App Store shows only 4 ratings.","src":["s13","s12"]}},"trustPoints":61,"grade":"C","confidence":79,"best":{"tier":"Standard","net":-36,"pctOfSpend":-0.3,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-36},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":42,"website":"https://www.exactly.app","inactive":false},{"slug":"redotpay","name":"RedotPay Card","brand":"RedotPay","checked":"2026-11-05","summary":"RedotPay is a Hong Kong-based stablecoin card app issuing Visa virtual and physical cards funded from a custodial crypto balance, with a $10 virtual and $100 physical card fee, no monthly fee, a 1.2% FX fee plus 1% crypto conversion fee. A paid Pro plan ($12.90/month or $129/year) adds 3% cashback on Apple Pay and Google Pay (capped at $18/month); the US, India, Singapore, Turkey and many other countries are excluded.","company":{"legal_entity":{"v":"Red Dot Technology Limited (Hong Kong); group also includes Red F. Technology Limited, Red Dot Trust Limited, RedotX Global (Panama) S.A., Red Dot Payment Inc. (US) and RedotX (Tango) Limited Argentine Branch","src":["s38"]},"hq_country":{"v":"Hong Kong","src":["s38","s43"]},"founded":{"v":2023,"src":["s43"],"note":"App Store release date is Jun-13, 2023."},"funding_raised_usd":{"v":40000000,"src":["s43"],"note":"$40M Series A (Mar 2025, led by Lightspeed); earlier rounds, if any, not found. Press in Aug 2026 says RedotPay is weighing a new round and a US IPO."},"investors":{"v":["Lightspeed","HSG (HongShan)","Galaxy Ventures","DST Global Partners","Accel","Vertex Ventures"],"src":["s43"]},"website":{"v":"https://www.redotpay.com","src":["s46"]},"x_handle":{"v":"@RedotPay","src":["s41"],"note":"Taken from the Google Play listing description."},"telegram":{"v":"t.me/RedotPay","src":["s40"],"note":"Taken from the App Store listing description."}},"issuer":{"name":{"v":"Xfers Pte Ltd (StraitsX), Singapore","src":["s58","s59"],"note":"Not named by RedotPay, whose Terms only say 'BIN Sponsor'. Identified by a BIN lookup (49372420) and by StraitsX's own programme list on Paymentscan. Older Hong Kong cards used a different BIN (49372800, reportedly Reap); not confirmed from an issuer page."},"program_manager":{"v":null,"note":"Not published"},"licences":{"v":["MSB registration, United States (Red Dot Payment Inc., no. 31000307035339)","VASP registration no. 144, CNV Argentina (RedotX Argentina)","Money Lender's Licence 1715/2025, Hong Kong (RedotPay Credit)"],"src":["s38","s33"],"note":"Third-party summaries mention a Canada MSB and ISO 27001 certification; not confirmed from the issuer's own pages."},"regulator":{"v":null,"note":"Not stated for the card programme"},"card_network":{"v":"Visa","src":["s38","s39"],"note":"Terms have 'Hong Kong Programme (Visa)' and 'Singapore Programme (Visa)' sections."},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s40","s46"],"note":"Card issuance suspended in South Korea (Sep 2026) and unavailable in the countries listed under availability."},"launched":{"v":"2023","src":["s40"],"note":"App first released Jun-13, 2023; exact card launch date not published."},"card_kind":{"v":null,"note":"Issuer calls it a 'stablecoin-based card' without saying debit or prepaid; help center warns some merchants restrict 'prepaid or crypto cards'"},"forms":{"v":["virtual","physical"],"src":["s49","s50"]},"custody":{"v":"custodial","src":["s49","s56"],"note":"Funds are deposited into a RedotPay account balance and converted at payment; no self-custody mode documented."},"custody_detail":{"v":"Crypto is deposited to RedotPay-controlled addresses and converted to USD when you pay; RedotPay says it is a fintech provider, not a bank, and Earn is not covered by deposit insurance.","src":["s8","s31","s32"]},"kyc_level":{"v":"full","src":["s13"]},"kyc_documents":{"v":"Original physical government ID (valid 3+ months), face scan, residential address, short questionnaire; personal statement or source of funds on request","src":["s13"]},"kyc_time":{"v":"Usually 1-3 business days when additional documents are requested","src":["s13"],"note":"Standard review time without extra documents not published."},"min_age":{"v":18,"src":["s10"]},"settlement_currency":{"v":"USD","src":["s9"],"note":"All new cards issued in USD from Jan-21, 2026; older cards may be HKD."},"card_currencies":{"v":["USD","HKD (legacy cards)"],"src":["s9"]}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1","s27"],"note":"Account maintenance (monthly and annual fees) waived."},"price_annual":{"v":0,"src":["s1","s50"]},"issuance_virtual":{"v":10,"src":["s1","s3"],"note":"USD, deducted from account balance; non-refundable; the $5 sign-up reward cannot be used for it."},"issuance_physical":{"v":100,"src":["s1","s3"],"note":"USD, non-refundable once paid."},"other_requirements":{"v":"Verified account (ID, face scan, address); 18+; max 5 cards lifetime (virtual and physical combined, deleted cards count)","src":["s10","s11","s13"]},"cashback_rate":{"v":0,"src":["s39"],"note":"No percentage cashback on Standard; Paymentscan reports points only (2 points per $1 spent)."},"cashback_asset":{"v":"RedotPay Points (not cash)","src":["s25","s39"]},"cashback_cap_monthly":{"v":null,"note":"Not applicable / not published"},"cashback_eligible_spend":{"v":null,"note":"Not published for Standard points; Paymentscan says points are earned on spend"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":"Points expire 12 months after earning (FIFO); cannot be cashed out, transferred or traded","src":["s25"]},"points_program":{"v":"Earn points by spending, referring friends and missions; redeem for prize draws (tickets); Paymentscan reports 2 points per $1 and 200 sign-up points","src":["s25","s39"],"note":"Points rates can change per the issuer."},"atm_free_monthly":{"v":0,"src":["s1"],"note":"No free ATM allowance on Standard."},"perks":{"v":["$5 USDs sign-up reward (valid 30 days, spend only)","Points and prize draws","Optional paid Earn, Credit and Loan products in app"],"src":["s26","s25","s32","s33","s34"]},"fx_fee":{"v":1.2,"src":["s1"],"note":"Applies to non-default-currency transactions; default (USD) currency transactions are waived. Paymentscan measured ~2.2-2.3% effective total markup in a Jul-02, 2026 in-store test in Poland."},"crypto_conversion_fee":{"v":1,"src":["s1"],"note":"Listed as 'Transaction Fee 1.00%' = cryptocurrency conversion fee. Stacks with the 1.2% FX fee on foreign-currency purchases."},"topup_fee":{"v":0,"src":["s1","s30"],"note":"No deposit fee on the USD/HKD card programmes; no RedotPay fee on crypto or bank deposits. Buying crypto by card, P2P or PayPal transfers carry their own fees (PayPal route: 3%, min $1, per May 2025 notice)."},"atm_fee_pct":{"v":2,"src":["s1"],"note":"USD card: 2% while monthly ATM withdrawals are at or below $10,000, 3% above $10,000. HKD (legacy) card: flat 2%."},"atm_fee_fixed":{"v":null,"note":"Not published; third-party ATM operator fees are charged separately and not covered by RedotPay"},"atm_limit_daily":{"v":3750,"src":["s1"],"note":"USD BIN. In some countries and regions the daily limit is $3,000. HKD BIN: HKD 23,000. Max 3 withdrawals per day."},"atm_limit_monthly":{"v":50000,"src":["s1"],"note":"USD BIN. In some countries and regions the monthly limit is $10,000. HKD BIN: HKD 75,000. Max 30 withdrawals per month."},"spend_limit_per_tx":{"v":100000,"src":["s1"],"note":"USD per transaction; user can set lower per-purchase and daily limits in the app."},"spend_limit_daily":{"v":1000000,"src":["s1"],"note":"USD; user can set lower limits in the app."},"spend_limit_monthly":{"v":null,"note":"Not published (no monthly spend cap in the fee table; balance limit is listed as unlimited)"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s27","s1"],"note":"No card management, monthly or annual fees."},"decline_fee":{"v":0.5,"src":["s1"],"note":"USD per declined transaction after the first 3 declines per card per month (waived for the first 3)."},"replacement_fee":{"v":"Virtual card: $5 first replacement, $10 each after (min. 31 days between replacements)","src":["s15"],"note":"Physical card replacement fee not published."},"shipping":{"v":"Standard Mail: free (usually 5-30 days). DHL Express: fee varies by country, calculated at checkout (usually 3-10 days).","src":["s1","s14"]},"staking_required":{"v":null,"note":"Not published; no staking or token-lock requirement appears in the fee schedule or Pro terms"}},{"name":"Pro Monthly","currency":"USD","is_default":false,"price_monthly":{"v":12.9,"src":["s2"],"note":"USD per month; non-refundable."},"price_annual":{"v":null,"note":"Monthly plan has no annual price; annual plan is a separate tier at $129/yr"},"issuance_virtual":{"v":0,"src":["s2"],"note":"One-time waiver of the $10 virtual card application fee (voucher does not expire)."},"issuance_physical":{"v":100,"src":["s2"],"note":"Physical card fee waiver is reserved for annual members; monthly members pay $100."},"other_requirements":{"v":"Paid subscription; benefits non-transferable; auto-renewal charged 48h before expiry","src":["s2"]},"cashback_rate":{"v":3,"src":["s2"],"note":"3% on Apple Pay and Google Pay purchases. Paymentscan found about 0.7-0.8% effective after FX costs, before the subscription fee."},"cashback_asset":{"v":"USDs (RedotPay card-spend credit)","src":["s2"],"note":"USDs can only be used for future card spending; not withdrawable, transferable or usable to buy cards."},"cashback_cap_monthly":{"v":18,"src":["s2"],"note":"USD per month; Paymentscan describes it as $18 on the first $600 of eligible spend."},"cashback_eligible_spend":{"v":"Apple Pay and Google Pay transactions only","src":["s2","s47"]},"cashback_exclusions":{"v":"Refunded, disputed or ineligible transactions are clawed back; 'cycle' (frequent small-amount) trading is monitored and may lead to suspension","src":["s2"]},"cashback_vesting":{"v":"Credited once the transaction clears; USDs expire 30 days after issue","src":["s2"]},"points_program":{"v":"Same points program as Standard","src":["s25"]},"atm_free_monthly":{"v":0,"src":["s2"],"note":"ATM fee waiver is for annual members only."},"perks":{"v":["Free virtual card (one-time, monthly plan)","3% cashback on Apple Pay and Google Pay (cap $18/month)"],"src":["s2"]},"fx_fee":{"v":1.2,"src":["s1"],"note":"Applies to non-default-currency transactions; default (USD) currency transactions are waived. Paymentscan measured ~2.2-2.3% effective total markup in a Jul-02, 2026 in-store test in Poland."},"crypto_conversion_fee":{"v":1,"src":["s1"],"note":"Listed as 'Transaction Fee 1.00%' = cryptocurrency conversion fee. Stacks with the 1.2% FX fee on foreign-currency purchases."},"topup_fee":{"v":0,"src":["s1","s30"],"note":"No deposit fee on the USD/HKD card programmes; no RedotPay fee on crypto or bank deposits. Buying crypto by card, P2P or PayPal transfers carry their own fees (PayPal route: 3%, min $1, per May 2025 notice)."},"atm_fee_pct":{"v":2,"src":["s1","s2"],"note":"Standard rate 2% (3% above $10,000/month) applies outside the waived allowance; Pro article gives no separate rate."},"atm_fee_fixed":{"v":null,"note":"Not published; third-party ATM operator fees are charged separately and not covered by RedotPay"},"atm_limit_daily":{"v":3750,"src":["s1"],"note":"USD BIN. In some countries and regions the daily limit is $3,000. HKD BIN: HKD 23,000. Max 3 withdrawals per day."},"atm_limit_monthly":{"v":50000,"src":["s1"],"note":"USD BIN. In some countries and regions the monthly limit is $10,000. HKD BIN: HKD 75,000. Max 30 withdrawals per month."},"spend_limit_per_tx":{"v":100000,"src":["s1"],"note":"USD per transaction; user can set lower per-purchase and daily limits in the app."},"spend_limit_daily":{"v":1000000,"src":["s1"],"note":"USD; user can set lower limits in the app."},"spend_limit_monthly":{"v":null,"note":"Not published (no monthly spend cap in the fee table; balance limit is listed as unlimited)"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s27","s1"],"note":"No card management, monthly or annual fees."},"decline_fee":{"v":0.5,"src":["s1"],"note":"USD per declined transaction after the first 3 declines per card per month (waived for the first 3)."},"replacement_fee":{"v":"Virtual card: $5 first replacement, $10 each after (min. 31 days between replacements)","src":["s15"],"note":"Physical card replacement fee not published."},"shipping":{"v":"Standard Mail: free (usually 5-30 days). DHL Express: fee varies by country, calculated at checkout (usually 3-10 days).","src":["s1","s14"]},"staking_required":{"v":null,"note":"Not published; no staking or token-lock requirement appears in the fee schedule or Pro terms"}},{"name":"Pro Annual","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Billed annually; no monthly price"},"price_annual":{"v":129,"src":["s2"],"note":"USD per year; non-refundable; monthly members can upgrade any time."},"issuance_virtual":{"v":null,"note":"Pro article lists the virtual card waiver under the monthly plan only; the membership page says 'free card applications with eligible memberships'"},"issuance_physical":{"v":0,"src":["s2"],"note":"One-time waiver of the $100 physical card fee (voucher does not expire)."},"other_requirements":{"v":"Paid annual subscription; benefits non-transferable","src":["s2"]},"cashback_rate":{"v":3,"src":["s2"],"note":"3% on Apple Pay and Google Pay purchases."},"cashback_asset":{"v":"USDs (RedotPay card-spend credit)","src":["s2"]},"cashback_cap_monthly":{"v":18,"src":["s2"],"note":"USD per month."},"cashback_eligible_spend":{"v":"Apple Pay and Google Pay transactions only","src":["s2","s47"]},"cashback_exclusions":{"v":"Refunded, disputed or ineligible transactions are clawed back","src":["s2"]},"cashback_vesting":{"v":"Credited once the transaction clears; USDs expire 30 days after issue","src":["s2"]},"points_program":{"v":"Same points program as Standard","src":["s25"]},"atm_free_monthly":{"v":1000,"src":["s2"],"note":"USD of withdrawals per month with zero RedotPay ATM fee, resetting on the billing-cycle date; third-party ATM operator fees still apply; above $1,000 the standard 2%/3% fee applies."},"perks":{"v":["Free physical card (one-time $100 waiver)","3% cashback on Apple Pay and Google Pay (cap $18/month)","$1,000/month ATM fee waiver","+1% APY on RedotPay Earn (first $1M; Earn regions only)"],"src":["s2"]},"fx_fee":{"v":1.2,"src":["s1"],"note":"Applies to non-default-currency transactions; default (USD) currency transactions are waived. Paymentscan measured ~2.2-2.3% effective total markup in a Jul-02, 2026 in-store test in Poland."},"crypto_conversion_fee":{"v":1,"src":["s1"],"note":"Listed as 'Transaction Fee 1.00%' = cryptocurrency conversion fee. Stacks with the 1.2% FX fee on foreign-currency purchases."},"topup_fee":{"v":0,"src":["s1","s30"],"note":"No deposit fee on the USD/HKD card programmes; no RedotPay fee on crypto or bank deposits. Buying crypto by card, P2P or PayPal transfers carry their own fees (PayPal route: 3%, min $1, per May 2025 notice)."},"atm_fee_pct":{"v":2,"src":["s1","s2"],"note":"Standard rate 2% (3% above $10,000/month) applies outside the waived allowance; Pro article gives no separate rate."},"atm_fee_fixed":{"v":null,"note":"Not published; third-party ATM operator fees are charged separately and not covered by RedotPay"},"atm_limit_daily":{"v":3750,"src":["s1"],"note":"USD BIN. In some countries and regions the daily limit is $3,000. HKD BIN: HKD 23,000. Max 3 withdrawals per day."},"atm_limit_monthly":{"v":50000,"src":["s1"],"note":"USD BIN. In some countries and regions the monthly limit is $10,000. HKD BIN: HKD 75,000. Max 30 withdrawals per month."},"spend_limit_per_tx":{"v":100000,"src":["s1"],"note":"USD per transaction; user can set lower per-purchase and daily limits in the app."},"spend_limit_daily":{"v":1000000,"src":["s1"],"note":"USD; user can set lower limits in the app."},"spend_limit_monthly":{"v":null,"note":"Not published (no monthly spend cap in the fee table; balance limit is listed as unlimited)"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s27","s1"],"note":"No card management, monthly or annual fees."},"decline_fee":{"v":0.5,"src":["s1"],"note":"USD per declined transaction after the first 3 declines per card per month (waived for the first 3)."},"replacement_fee":{"v":"Virtual card: $5 first replacement, $10 each after (min. 31 days between replacements)","src":["s15"],"note":"Physical card replacement fee not published."},"shipping":{"v":"Standard Mail: free (usually 5-30 days). DHL Express: fee varies by country, calculated at checkout (usually 3-10 days).","src":["s1","s14"]},"staking_required":{"v":null,"note":"Not published; no staking or token-lock requirement appears in the fee schedule or Pro terms"}}],"funding":{"crypto_assets":{"v":["BTC","ETH","BNB","SOL","S","SUI","TRX","XRP","USDT","USDC","RLUSD","BCH","LTC"],"src":["s8","s48"],"note":"Core list from the help center; RLUSD, BCH and LTC from announcements. The in-app Deposit page is authoritative."},"chains":{"v":["TRON (TRC20)","Ethereum","Solana"],"src":["s56","s53"],"note":"Non-exhaustive: networks confirmed in help-center articles; each asset is accepted only on specific networks shown in the app."},"fiat_topup":{"v":["Card purchase of crypto (Buy Coins)","SEPA (EUR funding account)","FPS (GBP funding account)","USD bank transfer (account number and SWIFT/BIC)","P2P marketplace","PayPal and other third-party transfers (3% fee, min $1)"],"src":["s55","s28","s29","s35"],"note":"Funding accounts depend on country; deposits must come from a personal bank account. RedotPay cards cannot be used to buy crypto."},"deposit_fees":{"v":0,"src":["s30","s1"],"note":"No RedotPay deposit fee; returned-deposit handling fees by banks may apply."},"min_deposit":{"v":null,"note":"Varies by asset and network; shown on the in-app Deposit page"},"spend_from":{"v":"USD balance after conversion; crypto is converted at the moment of payment (1% conversion fee). Optional Credit mode spends against crypto collateral.","src":["s8","s33","s1"]}},"payments":{"apple_pay":{"v":true,"src":["s21"],"note":"Virtual cards can be added; physical-card users may need to upgrade per the 'Upgrade and link your card to Apple Pay' guide."},"google_pay":{"v":true,"src":["s22"],"note":"Added by manual card entry; new cards take up to ~2-5 days to sync with Google Pay or PayPal."},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s20","s50"],"note":"Physical card: tap or swipe."},"online_subscriptions":{"v":true,"src":["s46","s20"],"note":"Works anywhere major card networks are accepted; marketed for subscriptions."},"restricted_mccs":{"v":["Some game credit and gaming platforms decline the card (e.g. PUBG Mobile, Free Fire, Brawl Stars, eFootball)","1.5% fee (min $0.50) at listed merchants: Facebook Ads, Discord, Gulf Health Counsel and several games; first 3 per month free","Sanctioned countries and individuals not usable"],"src":["s19","s20"],"note":"Merchant fee list is reviewed regularly; full MCC block list not published."}},"availability":{"regions":{"v":["Global (claimed 100+ countries)"],"src":["s8","s46"],"note":"Excludes the US, India, Singapore, Turkey, Indonesia, Morocco, Nepal, Russia, mainland China and others."},"countries_supported_count":{"v":100,"src":["s8"],"note":"Claimed as 'over 100 countries'; no full supported list published."},"countries_supported":{"v":null,"note":"Only an exclusion list is published"},"countries_excluded":{"v":["AF","AL","BY","BA","BV","BF","BI","CF","CD","HR","CU","ER","ET","GW","HT","IN","ID","IR","IQ","XK","LB","LR","LY","CN","ML","ME","MA","MM","NP","AN","NI","KP","MK","RU","SG","SI","SO","SS","SD","SY","TR","UA","US","VE","YE","ZW"],"src":["s5"],"note":"Card issuance restrictions list (ISO-2; Kosovo = XK; Netherlands Antilles = AN). Physical-card delivery is also blocked in Egypt, Palestine and Tunisia (s6). The app-access list differs slightly (adds Tanzania, drops India/Indonesia/Morocco/Nepal/Singapore/Turkey; s7). South Korea new cards suspended Sep 2026."},"us_available":{"v":false,"src":["s4","s5","s7"]},"uk_available":{"v":true,"src":["s31","s55"],"note":"UK is not on any restricted list; GBP funding account is offered and the help center notes USDT purchase is unavailable in the UK."},"eea_available":{"v":true,"src":["s5","s31"],"note":"Not blocked as a region, but Croatia and Slovenia are on the restricted list; EUR funding account (IBAN) offered."}},"account_features":{"iban":{"v":true,"src":["s28"],"note":"EUR personal funding account gets an IBAN; availability depends on country."},"local_accounts":{"v":["USD (account number, SWIFT/BIC)","EUR (IBAN)","GBP (account number, sort code)"],"src":["s28","s31"],"note":"Provided by licensed partner institutions, not RedotPay itself."},"p2p_transfers":{"v":true,"src":["s8","s46"],"note":"Internal transfers and a P2P stablecoin marketplace in selected regions."},"crypto_to_bank_payouts":{"v":true,"src":["s46","s31"],"note":"International transfer: send crypto, recipient gets local currency (selected countries)."},"yield_on_balance":{"v":null,"note":"Earn (USDC/USDT, min 100) pays a variable rate that changes daily; APY not published in help center"},"crypto_loans":{"v":true,"src":["s34"],"note":"Pledge BTC or ETH, borrow USDT or USDC; liquidation applies a 2% penalty."},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s28","s31"],"note":"USD, GBP and EUR funding accounts plus crypto wallet."},"other":{"v":"RedotPay Credit (spend against crypto collateral, simple daily interest), RedotPay Earn, Crypto Loans, Points and prize draws, referral and partner program, scan-to-pay, RedotPay Trade (beta)","src":["s33","s32","s34","s25"]}},"security":{"card_freeze":{"v":true,"src":["s17","s18"],"note":"In-app freeze; automatic 24h freeze after 3 wrong CVV/expiry entries in 1 hour or 3 wrong ATM PINs in 24 hours."},"two_factor":{"v":["Google Authenticator","Passkey","Email","Phone"],"src":["s51"]},"biometrics":{"v":"Face scan during KYC; app biometric login not documented","src":["s13"]},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published; help center states Earn is not a bank deposit and not covered by deposit insurance"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/redotpay-crypto-card-pay/id6449689356","src":["s40"]},"ios_rating":{"v":4.75,"src":["s40"],"note":"US store, via iTunes lookup on 2026-10-25; UK store shows 4.79 from 1,197 ratings."},"ios_rating_count":{"v":4380,"src":["s40"],"note":"US store ratings."},"android_url":{"v":"https://play.google.com/store/apps/details?id=com.redotpay","src":["s41"]},"android_rating":{"v":4.3,"src":["s41"],"note":"About 80K ratings."},"android_installs":{"v":"5M+","src":["s41"]},"languages":{"v":["English","Arabic","French","Hindi","Japanese","Korean","Polish","Portuguese","Chinese","Spanish","Thai","Turkish","Urdu","Romanian"],"src":["s40"],"note":"iOS listing languages (15 codes); help center is available in 7 languages."},"web_app":{"v":null,"note":"Help center lists a RedotPay Mini App; web-app availability not verified"},"support_channels":{"v":["In-app support","Help center (Intercom)"],"src":["s8","s20"],"note":"Trustpilot reviewers say they mostly reach a chatbot or email replies."},"support_hours":{"v":"24/7 (claimed)","src":["s8"]}},"reputation":{"trustpilot_score":{"v":3.4,"src":["s42"],"note":"Checked 2026-10-25; earlier snippets showed 3.1 (744 reviews) so the score moves."},"trustpilot_reviews":{"v":1120,"src":["s42"],"note":"544 in the last 12 months; 55% are 5-star and 35% are 1-star."},"common_complaints":{"v":["Withdrawals or transfers delayed or not arriving","Funds held or frozen after account closure or compliance review","Unexplained deductions or negative balances","Hard to reach a human; repeated chatbot answers","Unexpected merchant charges"],"src":["s42"]},"common_praise":{"v":["Easy-to-use app","Fast virtual card setup","Smooth crypto card payments","Good international transfers"],"src":["s42"]}},"adoption":{"users_claimed":{"v":9000000,"src":["s46"],"note":"Homepage says 9M+; Aug-2026 press quotes RedotPay as 8M+ users, up 33% in six months."},"onchain_spend_all_time_usd":{"v":7065000000,"src":["s39"],"note":"All-time tracked spend, Oct 2023 to Nov-05, 2026; self-reported card volume, 126,520,065 transactions."},"onchain_spend_last_month_usd":{"v":423500000,"src":["s39"],"note":"Oct 2026 full month (Sep 2026: $403.2M)."}},"incidents":[{"date":"2025-05","type":"outage","summary":"Deposits and withdrawals suspended temporarily around the Ethereum Pectra upgrade and hard fork (announced 2025-05-07).","src":["s53"]},{"date":"2025-05","type":"regulatory","summary":"New physical card issuance in South Korea temporarily suspended; virtual cards stayed available.","src":["s45"]},{"date":"2025-12","type":"fee change","summary":"Current fee schedule took effect on Dec-01, 2025 (what changed versus the prior schedule is not stated); the fee page was updated Jul-24, 2026.","src":["s1"]},{"date":"2026-01","type":"fee change","summary":"From Jan-21, 2026 all new cards are issued in USD; HKD cards are no longer issued.","src":["s9"]},{"date":"2026-04","type":"outage","summary":"Per press reports, Binance ended Binance Pay as a funding route for RedotPay cards on Apr-03, 2026.","src":["s52"]},{"date":"2026-08","type":"regulatory","summary":"Binance-affiliated firms sued RedotPay's three co-founders in Hong Kong for about $472.8M, alleging 470,000+ Binance Card users were diverted; RedotPay calls the claims unfounded and says operations are unaffected.","src":["s44","s52"]},{"date":"2026-09","type":"regulatory","summary":"RedotPay stopped issuing new physical and virtual cards in South Korea and ended its Korean affiliate and influencer program from Sep-07 (per Seoul Economic Daily, via Bloomingbit).","src":["s45"]}],"referral":{"user_referral_program":{"v":"Invite via link or code; invitee must register with it and complete KYC. Earn USDT commission on invitee card orders (paid instantly) and on their card payments (settled every 30 days), plus 10% of your invitee's own referral commission; higher referral levels pay higher rates.","src":["s24"],"note":"Code cannot be added to existing accounts; no commission on card orders discounted 50% or more. New users also get a $5 USDs sign-up reward (s26)."},"affiliate_program":{"v":true,"src":["s24"],"note":"Partner Program for users with a large following, applied for from the in-app Referral page."},"affiliate_url":{"v":null,"note":"No public affiliate sign-up URL found; application is inside the app"},"affiliate_terms":{"v":"Higher commission rates than standard referral; exact percentages not published","src":["s24"]}},"regional":[{"region":"Selected countries (USD cards)","field":"tiers[0].atm_limit_daily","v":3000,"src":["s1"]},{"region":"Selected countries (USD cards)","field":"tiers[0].atm_limit_monthly","v":10000,"src":["s1"]},{"region":"Legacy HKD cards","field":"tiers[0].atm_fee_pct","v":2,"src":["s1"]},{"region":"Legacy HKD cards","field":"tiers[0].atm_limit_daily","v":"HKD 23,000","src":["s1"]},{"region":"Legacy HKD cards","field":"tiers[0].atm_limit_monthly","v":"HKD 75,000","src":["s1"]}],"extra":[{"key":"small_auth_fee","label":"Small authorisation fee","v":"$0.20 per transaction of $1.00 or less after the first 5 per card per month","src":["s1"]},{"key":"merchant_surcharge","label":"Specific-merchant transaction fee","v":"1.5% (min $0.50) at listed merchants (e.g. Facebook Ads, Discord, PUBG Mobile, Free Fire); first 3 per card per calendar month free","src":["s19"]},{"key":"atm_withdrawal_count","label":"ATM withdrawal count limit","v":"3 per day and 30 per month","src":["s1"]},{"key":"card_limit","label":"Maximum cards per user","v":"5 lifetime (virtual and physical combined; deleted cards still count)","src":["s11"]},{"key":"card_validity","label":"Card validity","v":"3 years from issue for virtual and physical cards","src":["s12"]},{"key":"delivery_times","label":"Physical card delivery time","v":"DHL Express usually 3-10 days; Standard Mail usually 5-30 days","src":["s14"]},{"key":"fee_refunds","label":"Issuance fee refunds","v":"Issuance fees are non-refundable, including when a card is deleted; Terms say all fees paid are non-refundable","src":["s57","s38"]},{"key":"signup_reward","label":"Sign-up reward","v":"5 USDs, valid 30 days, spend-only (cannot pay card fees)","src":["s26"]},{"key":"pin","label":"PIN","v":"Physical card only, 4 or 6 digits set in app; virtual cards have no PIN","src":["s16"]},{"key":"paypal_funding_fee","label":"PayPal/third-party transfer fee","v":"3% (minimum $1) standard; temporary 1% in May 2025","src":["s35"]},{"key":"htx_restriction","label":"HTX transfers","v":"Deposits and withdrawals to or from HTX-linked addresses are not supported and may be held for review","src":["s36"]},{"key":"japan_withdrawal","label":"Japan","v":"New sign-ups stopped and the app removed from Japanese app stores because RedotPay lacks a Japanese crypto-exchange registration; existing services to be wound down and the group acquired BTC Box (a registered Japanese exchange)","src":["s37"]},{"key":"earn","label":"RedotPay Earn","v":"USDC/USDT only, min 100 per subscription, no redemption limit, variable daily rate; not a bank deposit and not insured; Pro Annual adds +1% APY on the first $1M","src":["s32","s2"]},{"key":"credit","label":"RedotPay Credit","v":"Credit line backed by non-stablecoin crypto; collateral locked at payment; simple daily interest; HK Money Lender's Licence 1715/2025","src":["s33"]},{"key":"fx_test","label":"Measured FX markup (third party)","v":"About 2.2-2.3% effective total markup in a Jul-02, 2026 in-store test (USD to PLN), consistent with 1.2% FX plus 1% conversion","src":["s39"]},{"key":"pro_cashback_effective","label":"Pro cashback effective rate","v":"About 0.7-0.8% after FX costs, before the Pro subscription fee (Paymentscan test)","src":["s39"]},{"key":"binance_dispute","label":"Binance legal dispute","v":"Claim of about $472.8M filed in Hong Kong against the co-founders, with a parallel Chaintecs action in Singapore; IPO and new funding round reported under consideration","src":["s44"]},{"key":"arbitration","label":"Governing law and disputes","v":"Hong Kong law; disputes by HKIAC arbitration seated in Hong Kong, one arbitrator, English","src":["s38"]},{"key":"paymentscan_data_caveat","label":"Spend data caveat","v":"Paymentscan: 10-20% of card top-ups are off-chain and not counted; up to 10% of on-chain top-up volume may not be card payments","src":["s39"]}],"sources":[{"id":"s1","url":"https://helpcenter.redotpay.com/en/articles/10339271-redotpay-card-limitations-fees","title":"RedotPay Card Limitations & Fees (fee table image, effective Dec 1, 2025; page dated Jul 24, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://helpcenter.redotpay.com/en/articles/14686020-getting-started-with-redotpay-pro","title":"Getting Started with RedotPay Pro","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://helpcenter.redotpay.com/en/articles/10566200-are-there-any-fees-for-getting-a-card","title":"Are there any fees for getting a card?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://helpcenter.redotpay.com/en/articles/10339263-unsupported-countries-regions","title":"Unsupported Countries/Regions","publisher":"issuer","accessed":"2026-10-25"},{"id":"s5","url":"https://helpcenter.redotpay.com/en/articles/14254838-card-issuance-restrictions","title":"Card Issuance Restrictions","publisher":"issuer","accessed":"2026-10-25"},{"id":"s6","url":"https://helpcenter.redotpay.com/en/articles/14255319-card-delivery-restrictions","title":"Card Delivery Restrictions","publisher":"issuer","accessed":"2026-10-25"},{"id":"s7","url":"https://helpcenter.redotpay.com/en/articles/14252906-location-based-access-restrictions","title":"Location-Based Access Restrictions","publisher":"issuer","accessed":"2026-10-25"},{"id":"s8","url":"https://helpcenter.redotpay.com/en/articles/11070044-redotpay-services-and-features","title":"RedotPay Services and Features","publisher":"issuer","accessed":"2026-10-25"},{"id":"s9","url":"https://helpcenter.redotpay.com/en/articles/10566206-how-do-i-know-if-i-have-a-usd-or-hkd-card","title":"How do I know if I have a USD or HKD card?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://helpcenter.redotpay.com/en/articles/10566202-what-s-the-minimum-age-to-apply-for-a-card","title":"Minimum age to apply for a card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s11","url":"https://helpcenter.redotpay.com/en/articles/10566203-how-many-redotpay-cards-can-i-have","title":"How many RedotPay cards can I have?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s12","url":"https://helpcenter.redotpay.com/en/articles/10566219-how-long-is-my-redotpay-card-valid-for","title":"How long is my RedotPay card valid for?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s13","url":"https://helpcenter.redotpay.com/en/articles/10920717-identity-verification-requirements","title":"Identity Verification Requirements","publisher":"issuer","accessed":"2026-10-25"},{"id":"s14","url":"https://helpcenter.redotpay.com/en/articles/10566192-how-long-does-card-delivery-take","title":"How long does card delivery take?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s15","url":"https://helpcenter.redotpay.com/en/articles/10339267-how-to-replace-your-virtual-card","title":"How to Replace Your Virtual Card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s16","url":"https://helpcenter.redotpay.com/en/articles/10566228-can-i-set-a-pin-for-my-redotpay-card","title":"Can I set a PIN for my RedotPay card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s17","url":"https://helpcenter.redotpay.com/en/articles/10339299-how-do-i-manage-my-redotpay-card-security-settings","title":"Card security settings","publisher":"issuer","accessed":"2026-10-25"},{"id":"s18","url":"https://helpcenter.redotpay.com/en/articles/12409970-why-is-my-redotpay-card-temporarily-frozen","title":"Why is my card temporarily frozen?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s19","url":"https://helpcenter.redotpay.com/en/articles/10339275-which-purchases-have-a-transaction-fee","title":"Which purchases have a transaction fee?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s20","url":"https://helpcenter.redotpay.com/en/articles/11027583-where-can-i-use-my-redotpay-card","title":"Where can I use my RedotPay card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s21","url":"https://helpcenter.redotpay.com/en/articles/13303117-how-to-use-your-redotpay-card-with-apple-pay","title":"How to use your RedotPay card with Apple Pay","publisher":"issuer","accessed":"2026-10-25"},{"id":"s22","url":"https://helpcenter.redotpay.com/en/articles/10339272-how-to-link-my-virtual-redotpay-card-to-google-pay","title":"How to link my virtual card to Google Pay","publisher":"issuer","accessed":"2026-10-25"},{"id":"s23","url":"https://helpcenter.redotpay.com/en/articles/10621389-why-won-t-my-redotpay-card-link-to-paypal-google-pay-or-other-apps","title":"Why won't my card link to PayPal, Google Pay or other apps","publisher":"issuer","accessed":"2026-10-25"},{"id":"s24","url":"https://helpcenter.redotpay.com/en/articles/10339296-how-to-invite-friends-and-earn-rewards","title":"How to invite friends and earn rewards","publisher":"issuer","accessed":"2026-10-25"},{"id":"s25","url":"https://helpcenter.redotpay.com/en/articles/15478096-how-points-work","title":"How Points Work","publisher":"issuer","accessed":"2026-11-05"},{"id":"s26","url":"https://helpcenter.redotpay.com/en/articles/10339297-how-do-i-use-my-5-usds-sign-up-reward","title":"5 USDs sign-up reward","publisher":"issuer","accessed":"2026-10-25"},{"id":"s27","url":"https://helpcenter.redotpay.com/en/articles/10566233-are-there-any-fees-if-i-don-t-use-my-redotpay-card-for-a-month","title":"Fees if I don't use my card for a month","publisher":"issuer","accessed":"2026-10-25"},{"id":"s28","url":"https://helpcenter.redotpay.com/en/articles/11990965-what-details-will-i-receive-after-opening-an-account","title":"Personal funding account details (USD/EUR/GBP)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s29","url":"https://helpcenter.redotpay.com/en/articles/11990987-what-deposit-methods-are-supported","title":"Funding account deposit methods","publisher":"issuer","accessed":"2026-10-25"},{"id":"s30","url":"https://helpcenter.redotpay.com/en/articles/11990992-what-s-the-deposit-fee-policy","title":"Deposit fee policy","publisher":"issuer","accessed":"2026-10-25"},{"id":"s31","url":"https://helpcenter.redotpay.com/en/articles/10693371-can-i-add-local-currency-to-my-redotpay-account","title":"Can I add local currency to my account?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s32","url":"https://helpcenter.redotpay.com/en/articles/11828476-getting-started-with-redotpay-earn","title":"Getting Started with RedotPay Earn","publisher":"issuer","accessed":"2026-10-25"},{"id":"s33","url":"https://helpcenter.redotpay.com/en/articles/13224754-getting-started-with-redotpay-credit","title":"Getting Started with RedotPay Credit","publisher":"issuer","accessed":"2026-10-25"},{"id":"s34","url":"https://helpcenter.redotpay.com/en/articles/12731355-getting-started-with-redotpay-crypto-loans","title":"Getting Started with RedotPay Crypto Loans","publisher":"issuer","accessed":"2026-10-25"},{"id":"s35","url":"https://helpcenter.redotpay.com/en/articles/11331113-third-party-transfer-support-e-g-paypal-fee-discount-in-may","title":"Third-party transfer support (PayPal) and fee discount in May","publisher":"issuer","accessed":"2026-10-25"},{"id":"s36","url":"https://helpcenter.redotpay.com/en/articles/17332256-important-update-on-transfers-involving-htx","title":"Important update on transfers involving HTX","publisher":"issuer","accessed":"2026-10-25"},{"id":"s37","url":"https://helpcenter.redotpay.com/en/articles/17634849-notice-to-redotpay-users-in-japan","title":"Notice to RedotPay users in Japan (Japanese)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s38","url":"https://www.redotpay.com/terms","title":"RedotPay Terms and Conditions","publisher":"issuer","accessed":"2026-10-25"},{"id":"s39","url":"https://paymentscan.xyz/cards/redotpay","title":"Paymentscan: RedotPay review and on-chain spend","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s40","url":"https://apps.apple.com/us/app/redotpay-crypto-card-pay/id6449689356","title":"RedotPay: Crypto Card & Pay (App Store, US; data via iTunes lookup API)","publisher":"app store","accessed":"2026-10-25"},{"id":"s41","url":"https://play.google.com/store/apps/details?id=com.redotpay","title":"RedotPay: Crypto Card & Pay (Google Play)","publisher":"app store","accessed":"2026-10-25"},{"id":"s42","url":"https://www.trustpilot.com/review/www.redotpay.com","title":"RedotPay reviews on Trustpilot","publisher":"trustpilot","accessed":"2026-10-25"},{"id":"s43","url":"https://www.finextra.com/pressarticle/104777/redotpay-raises-40m-for-crypto-payments-platform","title":"RedotPay raises $40m for crypto payments platform","publisher":"press","accessed":"2026-10-25"},{"id":"s44","url":"https://cointelegraph.com/news/binance-redotpay-lawsuit-alleged-473-million-losses","title":"Binance sues RedotPay co-founders over alleged $473M losses","publisher":"press","accessed":"2026-10-25"},{"id":"s45","url":"https://en.bloomingbit.io/feed/news/120381","title":"RedotPay stops card issuance in South Korea (citing Seoul Economic Daily)","publisher":"press","accessed":"2026-10-25"},{"id":"s46","url":"https://www.redotpay.com","title":"RedotPay homepage","publisher":"issuer","accessed":"2026-10-25"},{"id":"s47","url":"https://www.redotpay.com/membership","title":"RedotPay Pro membership page","publisher":"issuer","accessed":"2026-10-25"},{"id":"s48","url":"https://helpcenter.redotpay.com/en/articles/10693364-supported-cryptocurrencies-networks-minimum-deposits","title":"Supported cryptocurrencies, networks, minimum deposits","publisher":"issuer","accessed":"2026-10-25"},{"id":"s49","url":"https://helpcenter.redotpay.com/en/articles/11008771-how-to-get-a-redotpay-card","title":"How to get a RedotPay card","publisher":"issuer","accessed":"2026-10-25"},{"id":"s50","url":"https://www.redotpay.com/card","title":"RedotPay card page","publisher":"issuer","accessed":"2026-10-25"},{"id":"s51","url":"https://helpcenter.redotpay.com/en/articles/10339300-how-do-i-secure-my-redotpay-account","title":"How do I secure my account?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s52","url":"https://thepaypers.com/fraud-and-fincrime/news/binance-sues-redotpay-over-alleged-usd-473-million-user-losses","title":"Binance sues RedotPay over alleged USD 473 million user losses","publisher":"press","accessed":"2026-10-25"},{"id":"s53","url":"https://helpcenter.redotpay.com/en/articles/11305579-announcement-regarding-the-suspension-of-deposits-and-withdrawals-due-to-ethereum-network-eth-upgrade-and-hard-fork-2025-05-07","title":"Suspension of deposits/withdrawals due to Ethereum upgrade (2025-05-07)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s54","url":"https://helpcenter.redotpay.com/en/articles/10566205-what-type-of-card-is-the-redotpay-card","title":"What type of card is the RedotPay card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s55","url":"https://helpcenter.redotpay.com/en/articles/10650778-how-do-i-buy-crypto-with-a-card-on-redotpay","title":"How do I buy crypto with a card on RedotPay?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s56","url":"https://helpcenter.redotpay.com/en/articles/10339284-how-do-i-deposit-crypto-to-my-redotpay-account","title":"How do I deposit crypto","publisher":"issuer","accessed":"2026-10-25"},{"id":"s57","url":"https://helpcenter.redotpay.com/en/articles/10566232-will-i-get-my-card-issuance-fee-back-if-i-delete-my-card","title":"Issuance fee refund on card deletion","publisher":"issuer","accessed":"2026-10-25"},{"id":"s58","url":"https://paymentscan.xyz/issuers/straitsx","title":"StraitsX issuer page (lists RedotPay as a card programme; StraitsX data self-reported)","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s59","url":"https://lookup.binlist.net/49372420","title":"BIN lookup 49372420: Visa Platinum debit, Singapore, Xfers Pte Ltd","publisher":"other","accessed":"2026-11-05"},{"id":"s60","url":"https://cryptonoshi.com/product/redotpay-card/","title":"Cryptonoshi review of RedotPay Card (updated Aug-06, 2026)","publisher":"review","accessed":"2026-11-05"}],"tests":[{"metric":"fx_markup","value":2.25,"text":"About 2.2% to 2.3% over the mid rate paying in PLN, including the 1.2% FX fee and 1% crypto conversion fee (rate 3.66 vs 3.74 PLN per USD)","tester":"Paymentscan","date":"2026-07-02","src":["s39"]},{"metric":"conversion_spread","value":0.5,"text":"About 0.5% sell spread when converting crypto to USD, as measured by the reviewer; total crypto-to-USD cost about 1.5% with the 1% fee","tester":"Cryptonoshi","date":"2026-08-06","src":["s60"]}],"trust":{"licence":{"points":12,"reason":"US MSB and Argentina VASP registrations. The card issuer is not named by RedotPay; a BIN lookup and StraitsX's programme list show Xfers (StraitsX), a Singapore Visa principal member.","src":["s38","s33","s58","s59"]},"custody":{"points":6,"reason":"Custodial. Crypto is converted to USD at payment. No proof of reserves or insurance published.","src":["s8","s31"]},"incidents":{"points":10,"reason":"Binance-affiliated firms sued the co-founders for about $473M (Aug 2026). Card issuing halted in South Korea (Sep 2026). Binance Pay funding ended (Apr 2026).","src":["s44","s45","s52"]},"track_record":{"points":14,"reason":"Live since 2023. $7.1B on-chain spend tracked by Paymentscan, the largest of any program; $423.5M in Oct 2026. 9M+ users claimed.","src":["s39","s46"]},"transparency":{"points":8,"reason":"Full fee table and terms published in the help center.","src":["s1"]},"support":{"points":5,"reason":"Trustpilot 3.4 from 1,120 reviews; complaints about frozen funds and chatbot-only support. App Store 4.75.","src":["s42","s40"]}},"trustPoints":55,"grade":"C","confidence":100,"best":{"tier":"Pro Annual","net":-61.8,"pctOfSpend":-0.515,"lines":[{"label":"Rewards you can spend","usd":216},{"label":"Subscription","usd":-129},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-28.799999999999997},{"label":"Fees on every purchase","usd":-120},{"label":"Cost of locked money","usd":0}]},"score":31,"website":"https://www.redotpay.com","inactive":false},{"slug":"revolut","name":"Revolut crypto card","brand":"Revolut","checked":"2026-11-05","summary":"Revolut lets you spend crypto balances held in its app with a Revolut debit card, converting to your account currency at the moment of payment. Revolut says there is no exchange fee on card payments, but they count toward each plan's monthly exchange limit, and a review measured a spread of about 1.5%.","company":{"legal_entity":{"v":"Revolut Digital Assets Europe Ltd (crypto services, Cyprus); Revolut Bank UAB (payment account and card, Lithuania); Revolut Ltd (UK)","src":["s3","s10"]},"hq_country":{"v":"United Kingdom","src":["s14"],"note":"Revolut is headquartered in London; EU bank is in Lithuania"},"founded":{"v":"2015","src":["s12"],"note":"Review gives a July 2015 launch"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.revolut.com/crypto/crypto-card/","src":["s4"]},"x_handle":{"v":"@RevolutApp","src":["s12"]},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Revolut Bank UAB (Lithuania) in the EEA; Revolut Ltd / Revolut Bank UK in the UK","src":["s3","s10"],"note":"Issuer terms: the virtual card is issued by Revolut Bank UAB or its branch, and the crypto terms name Revolut Bank UAB as the account provider. A third-party site (The Crypto Register) agrees. The UK entity is inferred, not stated in the pages read"},"program_manager":{"v":"Revolut","src":["s17"],"note":"Third-party statement; Revolut runs its own programme"},"licences":{"v":["Specialised bank licence, Bank of Lithuania (Revolut Bank UAB)","Crypto-asset service provider under MiCA, CySEC Cyprus (Revolut Digital Assets Europe Ltd)","Full UK banking licence, PRA, Mar-11, 2026 (Revolut Bank UK Ltd)"],"src":["s3","s14","s17"],"note":"Lithuanian licence stated by a third-party source; the CySEC MiCA authorisation is stated in the issuer's crypto terms"},"regulator":{"v":"Bank of Lithuania (bank); CySEC (crypto services); PRA and FCA (UK)","src":["s3","s14","s17"]},"card_network":{"v":"Visa or Mastercard, depending on region","src":["s11"],"note":"The Block: usable wherever Visa and Mastercard are accepted; network per card not stated by the issuer pages read. Other aggregators report Mastercard"},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s11","s4"]},"launched":{"v":null,"note":"Crypto spending from Revolut cards predates 2026 and the start date is not stated in the pages read; Revolut's first dedicated physical crypto card launched May-18, 2026"},"card_kind":{"v":"debit","src":["s11"]},"forms":{"v":["virtual","physical","metal"],"src":["s1","s12"],"note":"Metal on the Metal plan"},"custody":{"v":"custodial","src":["s3"]},"custody_detail":{"v":"Revolut Digital Assets Europe holds your crypto as nominee, on trust for you; crypto is not covered by the European deposit guarantee or the Cyprus investor compensation fund","src":["s3"]},"kyc_level":{"v":"full","src":["s3","s12"]},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":18,"src":["s3"]},"business_cards":{"v":false,"src":["s3"],"note":"This file covers personal accounts only"},"settlement_currency":{"v":"Base currency of your Revolut account (EUR, GBP, PLN and others)","src":["s3"],"note":"Crypto is converted at payment and the card payment settles in fiat"},"card_currencies":{"v":["EUR","GBP","PLN","CZK","HUF","SEK","NOK","DKK","RON","BGN","CHF"],"src":["s2"],"note":"Base currencies listed in the stablecoin limit table; more may exist"}},"tiers":[{"name":"Standard","currency":"EUR","is_default":true,"price_monthly":{"v":0,"src":["s5","s12"],"note":"Free plan; confirmed only by a third-party review because the issuer's Standard fee page blocked fetching"},"price_annual":{"v":0,"src":["s5","s12"],"note":"Free plan"},"issuance_virtual":{"v":0,"src":["s1"],"note":"Virtual cards are free; stated on the Plus schedule, assumed the same on other plans"},"issuance_physical":{"v":6.99,"src":["s1"],"note":"Standard-plan delivery commission for a physical card by untracked post; tracked express is 19.99"},"shipping":{"v":"6.99 standard, 19.99 express, 29.99 lightning","src":["s1"],"note":"Delivery commission table, Standard column"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"No lock-up or staking requirement in the plan schedule"},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":null,"note":"Not published for crypto card payments; Revolut's own help says no exchange fee applies and does not list a crypto cashback. A review reports 0.1% (Europe) and 1% (elsewhere) cashback on Metal and Ultra card spend, which the issuer pages could not confirm"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":1,"src":["s1"],"note":"Fair usage fee of 1% on exchanges above EUR 1,000 a month; crypto exchanges count toward the limit, and a card purchase that needs a currency exchange is exchanged in real time. A review measured a crypto sell spread of about 1.5% (see tests); the issuer does not publish that spread"},"crypto_conversion_fee":{"v":0,"src":["s4"],"note":"Revolut's help says no exchange fee on crypto card payments, but fair usage fees may apply by plan; the EU fee schedule wording on card spending is unclear, and a review measured a sell spread of about 1.5% (see tests)"},"topup_fee":{"v":0,"src":["s1","s2"],"note":"Crypto deposits and money added by bank transfer are free; a small fee may apply to cards issued outside the EEA and commercial cards"},"atm_free_monthly":{"v":200,"src":["s5","s12"],"note":"EUR per rolling month; the issuer's Standard fee page could not be read"},"atm_fee_pct":{"v":2,"src":["s5","s12"],"note":"Above the free amount, minimum EUR 1 per withdrawal"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":3000,"src":["s12"],"note":"EUR; reported by a third-party review, not confirmed by the issuer"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":100000,"src":["s4"],"note":"Stated as 100,000 GBP or currency equivalent per crypto card transaction; also a maximum of 100 exchanges in 24 hours"},"spend_limit_daily":{"v":null,"note":"Not published; a review reports no daily cap"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s12"],"note":"Reported as 0 by a third-party review"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Disposable virtual cards","Roundup of card purchases into crypto (spare change)"],"src":["s3","s12"],"note":"Standard and Plus are subject to the monthly fair usage limit"}},{"name":"Plus","currency":"EUR","is_default":false,"price_monthly":{"v":3.99,"src":["s1"],"note":"Euro-area reference price from the Spain schedule; other countries differ"},"price_annual":{"v":39.99,"src":["s1"],"note":"Yearly billing; monthly billing costs more"},"issuance_virtual":{"v":0,"src":["s1"],"note":"Virtual cards are free; stated on the Plus schedule, assumed the same on other plans"},"issuance_physical":{"v":0,"src":["s1"],"note":"Standard delivery is free on this plan; a delivery fee applies if you cancel within 14 days of ordering"},"shipping":{"v":"Standard free; express 19.99; lightning 29.99","src":["s1"],"note":"Delivery commission table, Plus column"},"replacement_fee":{"v":10,"src":["s1"],"note":"First two cards free, one free replacement each later year, then 10 per card"},"staking_required":{"v":0,"src":["s1"],"note":"No lock-up or staking requirement in the plan schedule"},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":null,"note":"Not published for crypto card payments; Revolut's own help says no exchange fee applies and does not list a crypto cashback. A review reports 0.1% (Europe) and 1% (elsewhere) cashback on Metal and Ultra card spend, which the issuer pages could not confirm"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":0.5,"src":["s1"],"note":"Fair usage fee of 0.5% on exchanges above EUR 3,000 a month; crypto exchanges count toward the limit. A review measured a crypto sell spread of about 1.5% (see tests); the issuer does not publish that spread"},"crypto_conversion_fee":{"v":0,"src":["s4"],"note":"Revolut's help says no exchange fee on crypto card payments, but fair usage fees may apply by plan; the EU fee schedule wording on card spending is unclear, and a review measured a sell spread of about 1.5% (see tests)"},"topup_fee":{"v":0,"src":["s1","s2"],"note":"Crypto deposits and money added by bank transfer are free; a small fee may apply to cards issued outside the EEA and commercial cards"},"atm_free_monthly":{"v":200,"src":["s1"],"note":"EUR per rolling month in other entities' ATMs; Revolut's own ATMs are free"},"atm_fee_pct":{"v":2,"src":["s1"],"note":"Above the free amount, minimum EUR 1 per withdrawal abroad"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":3000,"src":["s12"],"note":"EUR; reported by a third-party review, not confirmed by the issuer"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":100000,"src":["s4"],"note":"Stated as 100,000 GBP or currency equivalent per crypto card transaction; also a maximum of 100 exchanges in 24 hours"},"spend_limit_daily":{"v":null,"note":"Not published; a review reports no daily cap"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s12"],"note":"Reported as 0 by a third-party review"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Disposable virtual cards","Roundup of card purchases into crypto (spare change)"],"src":["s3","s12"],"note":"Standard and Plus are subject to the monthly fair usage limit"}},{"name":"Premium","currency":"EUR","is_default":false,"price_monthly":{"v":10.99,"src":["s6"],"note":"Spain page shows EUR 9.99 a month or EUR 99 a year; prices differ by country"},"price_annual":{"v":110,"src":["s6"],"note":"Yearly billing; monthly billing costs more"},"issuance_virtual":{"v":0,"src":["s1"],"note":"Virtual cards are free; stated on the Plus schedule, assumed the same on other plans"},"issuance_physical":{"v":0,"src":["s1"],"note":"Standard delivery is free on this plan; a delivery fee applies if you cancel within 14 days of ordering"},"shipping":{"v":"Standard free; express 19.99 for customers joined on or after Sep-01, 2026; lightning 29.99","src":["s1"],"note":"Delivery commission table, Premium column"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"No lock-up or staking requirement in the plan schedule"},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":null,"note":"Not published for crypto card payments; Revolut's own help says no exchange fee applies and does not list a crypto cashback. A review reports 0.1% (Europe) and 1% (elsewhere) cashback on Metal and Ultra card spend, which the issuer pages could not confirm"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":0,"src":["s1"],"note":"No exchange limit and no fair usage fee. A review measured a crypto sell spread of about 1.5% (see tests); the issuer does not publish that spread"},"crypto_conversion_fee":{"v":0,"src":["s4"],"note":"Revolut's help says no exchange fee on crypto card payments, but fair usage fees may apply by plan; the EU fee schedule wording on card spending is unclear, and a review measured a sell spread of about 1.5% (see tests)"},"topup_fee":{"v":0,"src":["s1","s2"],"note":"Crypto deposits and money added by bank transfer are free; a small fee may apply to cards issued outside the EEA and commercial cards"},"atm_free_monthly":{"v":400,"src":["s8"],"note":"EUR per rolling month; Spain page"},"atm_fee_pct":{"v":2,"src":["s8"],"note":"Above the free amount, minimum EUR 1 per withdrawal"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":3000,"src":["s12"],"note":"EUR; reported by a third-party review, not confirmed by the issuer"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":100000,"src":["s4"],"note":"Stated as 100,000 GBP or currency equivalent per crypto card transaction; also a maximum of 100 exchanges in 24 hours"},"spend_limit_daily":{"v":null,"note":"Not published; a review reports no daily cap"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s12"],"note":"Reported as 0 by a third-party review"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["No fair usage limit on exchanges","Fiat to stablecoin exchange without fee up to a monthly limit, then 0.25%"],"src":["s1","s2"],"note":"Stablecoin limit shown for UK base currency (500,000 GBP a month); limits differ by base currency"}},{"name":"Metal","currency":"EUR","is_default":false,"price_monthly":{"v":18.99,"src":["s7"],"note":"France page; Belgium EUR 17.99, Germany EUR 15.99 for new customers; prices differ by country"},"price_annual":{"v":185,"src":["s7"],"note":"Yearly billing; monthly billing costs more"},"issuance_virtual":{"v":0,"src":["s1"],"note":"Virtual cards are free; stated on the Plus schedule, assumed the same on other plans"},"issuance_physical":{"v":0,"src":["s1"],"note":"Standard delivery is free on this plan; a delivery fee applies if you cancel within 14 days of ordering"},"shipping":{"v":"Standard and express free; lightning 9.99","src":["s1"],"note":"Delivery commission table, Metal and Ultra columns"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"No lock-up or staking requirement in the plan schedule"},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":null,"note":"Not published for crypto card payments; Revolut's own help says no exchange fee applies and does not list a crypto cashback. A review reports 0.1% (Europe) and 1% (elsewhere) cashback on Metal and Ultra card spend, which the issuer pages could not confirm"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":0,"src":["s1"],"note":"No exchange limit and no fair usage fee. A review measured a crypto sell spread of about 1.5% (see tests); the issuer does not publish that spread"},"crypto_conversion_fee":{"v":0,"src":["s4"],"note":"Revolut's help says no exchange fee on crypto card payments, but fair usage fees may apply by plan; the EU fee schedule wording on card spending is unclear, and a review measured a sell spread of about 1.5% (see tests)"},"topup_fee":{"v":0,"src":["s1","s2"],"note":"Crypto deposits and money added by bank transfer are free; a small fee may apply to cards issued outside the EEA and commercial cards"},"atm_free_monthly":{"v":null,"note":"Not confirmed for the euro area; the UK Ultra schedule shows 2,000 GBP free per rolling month"},"atm_fee_pct":{"v":null,"note":"Not published"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":3000,"src":["s12"],"note":"EUR; reported by a third-party review, not confirmed by the issuer"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":100000,"src":["s4"],"note":"Stated as 100,000 GBP or currency equivalent per crypto card transaction; also a maximum of 100 exchanges in 24 hours"},"spend_limit_daily":{"v":null,"note":"Not published; a review reports no daily cap"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s12"],"note":"Reported as 0 by a third-party review"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["No fair usage limit on exchanges","Fiat to stablecoin exchange without fee up to a monthly limit, then 0.25%"],"src":["s1","s2"],"note":"Stablecoin limit shown for UK base currency (500,000 GBP a month); limits differ by base currency"}},{"name":"Ultra","currency":"EUR","is_default":false,"price_monthly":{"v":60,"src":["s18"],"note":"Greece page, shown as an introductory price; prices differ by country"},"price_annual":{"v":595,"src":["s18"],"note":"Applies from Dec-19, 2026"},"issuance_virtual":{"v":0,"src":["s1"],"note":"Virtual cards are free; stated on the Plus schedule, assumed the same on other plans"},"issuance_physical":{"v":0,"src":["s1"],"note":"Standard delivery is free on this plan; a delivery fee applies if you cancel within 14 days of ordering"},"shipping":{"v":"Standard and express free; lightning 9.99","src":["s1"],"note":"Delivery commission table, Metal and Ultra columns"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"No lock-up or staking requirement in the plan schedule"},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":null,"note":"Not published for crypto card payments; Revolut's own help says no exchange fee applies and does not list a crypto cashback. A review reports 0.1% (Europe) and 1% (elsewhere) cashback on Metal and Ultra card spend, which the issuer pages could not confirm"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":0,"src":["s1"],"note":"No exchange limit and no fair usage fee. A review measured a crypto sell spread of about 1.5% (see tests); the issuer does not publish that spread"},"crypto_conversion_fee":{"v":0,"src":["s4"],"note":"Revolut's help says no exchange fee on crypto card payments, but fair usage fees may apply by plan; the EU fee schedule wording on card spending is unclear, and a review measured a sell spread of about 1.5% (see tests)"},"topup_fee":{"v":0,"src":["s1","s2"],"note":"Crypto deposits and money added by bank transfer are free; a small fee may apply to cards issued outside the EEA and commercial cards"},"atm_free_monthly":{"v":null,"note":"Not confirmed for the euro area; the UK Ultra schedule shows 2,000 GBP free per rolling month"},"atm_fee_pct":{"v":null,"note":"Not published"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":3000,"src":["s12"],"note":"EUR; reported by a third-party review, not confirmed by the issuer"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":100000,"src":["s4"],"note":"Stated as 100,000 GBP or currency equivalent per crypto card transaction; also a maximum of 100 exchanges in 24 hours"},"spend_limit_daily":{"v":null,"note":"Not published; a review reports no daily cap"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s12"],"note":"Reported as 0 by a third-party review"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["No fair usage limit on exchanges","Fiat to stablecoin exchange without fee up to a monthly limit, then 0.25%"],"src":["s1","s2"],"note":"Stablecoin limit shown for UK base currency (500,000 GBP a month); limits differ by base currency"}}],"funding":{"crypto_assets":{"v":["BTC","ETH","USDC","USDT","MATIC","SOL","XRP","LTC","DOGE"],"src":["s9","s12"],"note":"Issuer help names ETH, USDC, MATIC and USDT; the rest come from a review's list of about 120 assets. No official list of assets that work for card payments found"},"chains":{"v":["Ethereum","Tron","Polygon","Bitcoin"],"src":["s9"],"note":"Help names USDT on Ethereum and Tron and ETH, USDC, MATIC on Ethereum; Polygon support for stablecoins is reported by news. The in-app Receive list is authoritative and varies by region"},"fiat_topup":{"v":["bank transfer (SEPA, local rails)","SWIFT","debit or credit card","Apple Pay","Google Pay"],"src":["s1"],"note":"Money added by card may carry a fee for non-EEA cards"},"deposit_fees":{"v":"0","src":["s2","s3"],"note":"No fee for crypto deposits; network fee is deducted by the chain"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Crypto balance in the Revolut app, converted to fiat at the time of the payment","src":["s3","s4"],"note":"You can choose all crypto (highest balance first) or one token balance; if the chosen balance is too small the payment is declined"}},"payments":{"apple_pay":{"v":true,"src":["s12"]},"google_pay":{"v":null,"note":"Not published"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["EEA","UK"],"src":["s11"],"note":"Physical crypto card rollout excludes Hungary, Switzerland and Portugal"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":["HU","CH","PT"],"src":["s11"],"note":"Excluded from the May 2026 physical crypto card launch; the United States has no crypto services"},"us_available":{"v":false,"src":["s12"]},"uk_available":{"v":true,"src":["s11"]},"eea_available":{"v":true,"src":["s11"]}},"account_features":{"iban":{"v":true,"src":["s12"],"note":"Review reports a Lithuanian IBAN for EU customers"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":true,"src":["s1","s3"],"note":"Free instant transfers to other Revolut users; crypto can be sent off-chain to other users"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s1"]},"other":{"v":"Crypto staking, recurring crypto buys and a spare-change round-up that turns card purchases into crypto","src":["s3"]}},"security":{"card_freeze":{"v":true,"src":["s12"]},"two_factor":{"v":true,"src":["s3"],"note":"Terms refer to two-factor authentication on the account"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":"Crypto is not covered by the European deposit guarantee scheme","src":["s3"]},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/revolut-business-personal/id932493382","src":["s16"]},"ios_rating":{"v":4.7,"src":["s16"]},"ios_rating_count":{"v":75000,"src":["s16"],"note":"US storefront, shown as 75K"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","Bulgarian","Croatian","Czech","Danish","Dutch","Finnish","French","German","Greek","Hungarian","Italian","Japanese","Latvian","Lithuanian","Norwegian","Polish","Portuguese","Romanian","Russian","Slovak","Spanish","Swedish","Ukrainian"],"src":["s16"]},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["in-app chat","email","X"],"src":["s12"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":4.7,"src":["s15"]},"trustpilot_reviews":{"v":485586,"src":["s15"],"note":"Whole Revolut brand, not the crypto card alone"},"common_complaints":{"v":["Outages that briefly block access to money","Transfer delays","Hard cash deposits and identity checks","Crypto card costs higher than competitors per a review"],"src":["s15","s12"]},"common_praise":{"v":["Fast support replies reported by a review","Wide choice of supported assets"],"src":["s12"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":null,"note":"Not published"},"onchain_spend_last_month_usd":{"v":null,"note":"Not published"}},"incidents":[{"date":"2025-04","type":"regulatory","summary":"The Bank of Lithuania fined Revolut Bank UAB 3.5 million euros for weaknesses in its anti-money-laundering controls; Revolut said no money laundering was found.","src":["s13"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"UK","field":"tiers[0].fx_fee","v":1,"src":["s2"]},{"region":"Spain","field":"tiers[2].price_monthly","v":9.99,"src":["s8"]},{"region":"Belgium","field":"tiers[3].price_monthly","v":17.99,"src":["s7"]}],"extra":[{"key":"fair_usage_limits","label":"Monthly exchange limit before a fee","v":"Standard 1,000 euros (1% above), Plus 3,000 euros (0.5% above), Premium, Metal and Ultra none. Crypto exchanges, including card payments, count toward the limit.","src":["s1","s2"]},{"key":"crypto_exchange_fees","label":"Normal crypto exchange fee (not card payments)","v":"UK Standard and Plus pay 1.49% for the first 10,000 GBP of 30-day volume, falling to 0.49% at 250,000 GBP; paid plans pay less. Card payments are stated to carry no exchange fee.","src":["s2","s4"]},{"key":"tax","label":"Tax on spending","v":"Paying with crypto counts as a disposal and may create a tax liability.","src":["s11"]},{"key":"crypto_asset_protection","label":"Protection","v":"Crypto is held as nominee for clients and is outside deposit guarantee schemes.","src":["s3"]},{"key":"negative_balance","label":"Offline payments","v":"An offline payment can push a crypto balance negative; Revolut then debits your bank account and exchanges to clear it, with normal fees.","src":["s3"]},{"key":"cashback_claim","label":"Cashback on Metal and Ultra","v":"A review reports 0.1% in Europe and 1% elsewhere, capped monthly; not confirmed for crypto card payments.","src":["s12"]}],"tests":[{"metric":"conversion_spread","value":1.5,"text":"Sell spread of about 1.5% when converting crypto to euro at payment, same on all plans; the issuer states no exchange fee","tester":"Cryptonoshi","date":"2026-11-02","src":["s12"]}],"sources":[{"id":"s1","url":"https://cdn.revolut.com/terms_and_conditions/pdf/personal_fees_plus_d01a3268_1.7.1_1788272374_en.pdf","title":"Personal fees (Plus), Revolut Bank UAB and Spain branch, from Sep-01, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://cdn.revolut.com/terms_and_conditions/pdf/exchanging_cryptocurrency_personal_fees_ee1b196b_1.1.5_1767907159_en.pdf","title":"Retail Crypto Fees, Revolut Ltd (UK)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://cdn.revolut.com/terms_and_conditions/pdf/cryptocurrency_terms_conditions_7f870f05_1.0.0_1762191771_en.pdf","title":"Cryptocurrency Terms, Revolut Digital Assets Europe Ltd, from Nov-25, 2025","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://help.revolut.com/help/wealth/cryptocurrencies/crypto-payments/what-are-the-fees-for-crypto-transactions-using-my-revolut-card/","title":"Crypto payment fees, rates, and limits (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://www.revolut.com/en-GR/our-pricing-plans/","title":"Compare Revolut plans, Greece","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://www.revolut.com/en-LU/legal/premium-fees/","title":"Personal Fees (Premium), Luxembourg","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://www.revolut.com/en-FR/legal/metal-fees/","title":"Personal fees (Metal), France","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://www.revolut.com/en-ES/legal/premium-fees/","title":"Personal Fees (Premium), Spain","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://help.revolut.com/help/wealth/cryptocurrencies/transferring-cryptocurrencies/depositing-cryptocurrencies/what-network-should-i-use-for-my-crypto-deposit/","title":"Supported crypto deposit currencies, networks, and exchanges (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://www.revolut.com/en-DE/legal/crypto-themed-cards-and-wallpapers-promotion/","title":"Promotion Terms, Crypto-Themed Cards and Wallpapers (card issuer wording)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://www.theblock.co/post/401726/revolut-first-physical-crypto-card-industry-usage-grows","title":"Revolut unveils first physical crypto card (The Block, May-18, 2026)","publisher":"press","accessed":"2026-11-05"},{"id":"s12","url":"https://cryptonoshi.com/product/revolut-card-eu/","title":"Revolut Card review, Last Updated Nov-02, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s13","url":"https://tech.eu/2025/04/08/revolut-slapped-with-3-5m-fine-by-lithuania-s-central-bank-over-money-laundering-prevention-failings/","title":"Revolut slapped with 3.5M euro fine by Lithuania's central bank (Tech.eu, Apr-08, 2025)","publisher":"press","accessed":"2026-11-05"},{"id":"s14","url":"https://tech.eu/2026/03/11/revolut-wins-full-uk-banking-licence-as-finally-exits-mobilisation-phase/","title":"Revolut wins full UK banking licence (Tech.eu, Mar-11, 2026)","publisher":"press","accessed":"2026-11-05"},{"id":"s15","url":"https://www.trustpilot.com/review/revolut.com","title":"Revolut reviews on Trustpilot","publisher":"trustpilot","accessed":"2026-11-05"},{"id":"s16","url":"https://apps.apple.com/us/app/revolut-business-personal/id932493382","title":"Revolut: Business & Personal on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s17","url":"https://thecryptoregister.com/eu/cards/revolut","title":"Revolut Card EU: issuer, fees and protection (2026)","publisher":"other","accessed":"2026-11-05"},{"id":"s18","url":"https://www.revolut.com/en-FR/legal/ultra-fees/","title":"Personal fees (Ultra), France","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":20,"reason":"Revolut Bank UAB holds a Bank of Lithuania bank licence and Revolut Digital Assets Europe is a MiCA-authorised crypto service provider (CySEC); the UK bank gained a full licence in Mar-2026. Crypto balances sit outside deposit guarantee schemes.","src":["s3","s14","s17"]},"custody":{"points":9,"reason":"Custodial: Revolut Digital Assets Europe holds crypto as nominee on trust for clients under MiCA authorisation, but there is no deposit guarantee or investor compensation cover.","src":["s3"]},"incidents":{"points":12,"reason":"The Bank of Lithuania fined Revolut Bank UAB 3.5 million euros in Apr-2025 over anti-money-laundering weaknesses. No card-specific loss or freeze was found.","src":["s13"]},"track_record":{"points":14,"reason":"A major, long-running fintech whose app has 485,586 Trustpilot reviews, and a crypto card that now has a dedicated physical version. Exact crypto card volume on Paymentscan was not found.","src":["s15","s11"]},"transparency":{"points":6,"reason":"Fee schedules and terms are public in detail, but the crypto card fee wording conflicts between the help page and the EU schedule, and prices differ by country.","src":["s4","s1"]},"support":{"points":8,"reason":"In-app chat, email and X; a review rated support replies fast and competent, and the app is rated 4.7 on the App Store.","src":["s12","s16"]}},"trustPoints":69,"grade":"C","confidence":79,"best":{"tier":"Standard","net":-180,"pctOfSpend":-1.5,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":0},{"label":"Fees on every purchase","usd":-180},{"label":"Cost of locked money","usd":0}]},"score":26,"website":"https://www.revolut.com/crypto/crypto-card/","inactive":false},{"slug":"ethena-pay","name":"Ethena Pay Spend Card","brand":"Ethena Pay","checked":"2026-11-05","summary":"Ethena Pay is a self-custodial iOS money app from Ethena Pay Ltd (Malta) with a Visa Spend Card secured by collateral in your own wallet, issued by Third National on Rain's programme. The free Standard tier pays 4% cashback in AVAX on the first $2,500 of monthly spend; the Spend Card is for non-U.S. persons only and launched in September 2026.","company":{"legal_entity":{"v":"Ethena Pay Ltd, Malta, company number C 114576; registered office Ta' Xbiex","src":["s2"],"note":"Ethena Pay says it is not licensed or registered with financial regulators in the Appendix 1 jurisdictions; the number is a company registration, not a licence"},"hq_country":{"v":"Malta","src":["s2"]},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://pay.ethena.fi","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Third National (Puerto Rico chartered bank)","src":["s2"],"note":"Named in section 1.5 of the issuer's Terms of Use; the pricing page and FAQ do not name the issuer"},"program_manager":{"v":"Signify Holdings, Inc. (Rain)","src":["s2"],"note":"Card program management services per the Terms of Use"},"licences":{"v":["Card issued by Third National under licence from Visa"],"src":["s2"],"note":"Ethena Pay Ltd itself holds no financial licence"},"regulator":{"v":null,"note":"Not published; Third National is described as a Puerto Rico chartered bank"},"card_network":{"v":"Visa","src":["s2"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s4"],"note":"Beta launch on iOS Sep-01, 2026; Finek reported on Oct-22, 2026 that sign-up needed an invite code"},"launched":{"v":"2026-09","src":["s4"]},"card_kind":{"v":"secured credit","src":["s1"],"note":"Pricing page calls it a secured product: collateral in your wallet secures card charges, 0% APR on purchases"},"forms":{"v":["virtual"],"src":["s4"],"note":"Virtual card generated in the app; no physical card announced"},"custody":{"v":"self-custody","src":["s4","s2"],"note":"Ethena Pay says it never holds user money; collateral can be liquidated by a third party"},"custody_detail":{"v":"Terms say Ethena Pay holds no customer funds or digital assets; custody is with third-party institutions or users' own self-custodial wallets. Sign-in uses passkeys","src":["s2","s4"]},"kyc_level":{"v":"full","src":["s2"]},"kyc_documents":{"v":"Government ID, proof of address, source-of-funds and tax information and liveness checks, as required","src":["s2"]},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":18,"src":["s2"]},"business_cards":{"v":null,"note":"Not published"},"settlement_currency":{"v":"USD","src":["s1"],"note":"Prices and purchases are quoted in USD"},"card_currencies":{"v":["USD"],"src":["s1"]}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"],"note":"Account opening, maintenance and closure are free"},"price_annual":{"v":0,"src":["s4"],"note":"No annual fee"},"issuance_virtual":{"v":0,"src":["s1"],"note":"Virtual card issuance is free"},"issuance_physical":{"v":null,"note":"No physical card announced"},"shipping":{"v":null,"note":"No physical card announced"},"replacement_fee":{"v":0,"src":["s1"]},"staking_required":{"v":0,"src":["s1"],"note":"No minimum balance; the card is secured by collateral held in your own linked wallet"},"other_requirements":{"v":"Non-U.S. persons only; 18+; identity check by Sumsub; card charges are secured by collateral in your linked wallet","src":["s2","s1"]},"cashback_rate":{"v":4,"src":["s1"],"note":"4% on the first $2,500 of monthly spend, 1% on $2,500 to $4,000, 0% above $4,000; each band applies only to spend inside it"},"cashback_asset":{"v":"AVAX (Avalanche network)","src":["s1"]},"cashback_cap_monthly":{"v":null,"note":"No money cap; the rate falls to 0% above $4,000 of monthly spend instead"},"cashback_eligible_spend":{"v":"Settled card purchases of $1 or more","src":["s1"]},"cashback_exclusions":{"v":["cash advances","ATM withdrawals","crypto, stablecoin, NFT and securities purchases","gambling","gift cards","P2P transfers","loan repayments","insurance premiums","government payments","fees and fines"],"src":["s1"]},"cashback_vesting":{"v":"None stated; calculated after settlement (usually 1 to 3 business days), paid once daily","src":["s1"],"note":"Refunds and chargebacks reverse the cashback"},"points_program":{"v":null,"note":"No points programme"},"fx_fee":{"v":1,"src":["s1"],"note":"About 1.0% card-network conversion on non-USD purchases, passed through at cost with no Ethena Pay markup; the issuer calls it a guide, not a cap. No real-payment test found"},"crypto_conversion_fee":{"v":null,"note":"Not published; stablecoin issuer mint or redemption fees and gas may be passed through"},"topup_fee":{"v":0,"src":["s4"],"note":"No Ethena Pay fee to fund in digital dollars; funding-partner (MoonPay, Iron), gas and issuer fees may add"},"atm_free_monthly":{"v":null,"note":"No free allowance published"},"atm_fee_pct":{"v":0.65,"src":["s1"],"note":"Where ATM access is available; operator surcharge may add"},"atm_fee_fixed":{"v":1,"src":["s1"],"note":"Per withdrawal, USD"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s1"]},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":[],"src":["s1"],"note":"No perks listed; the tier adds a Daily Boost yield on balances up to $5,000"}}],"funding":{"crypto_assets":{"v":["USDe","AVAX"],"src":["s1"],"note":"Named as examples only; other supported stablecoins are not listed"},"chains":{"v":["Ethereum","Polygon","Optimism","Arbitrum","Avalanche"],"src":["s1"],"note":"Pricing lists Ethereum, Polygon, Optimism and Arbitrum for transfers and Avalanche for AVAX rewards; the launch blog says built exclusively on Avalanche"},"fiat_topup":{"v":["bank transfer via funding partners MoonPay and Iron"],"src":["s1"],"note":"Currencies not itemised"},"deposit_fees":{"v":"No Ethena Pay fee to fund in digital dollars; fiat deposits free; funding-partner, gas and issuer mint or redeem fees may add","src":["s4","s1"]},"min_deposit":{"v":"No minimum balance requirement","src":["s1"]},"spend_from":{"v":"Stablecoin collateral in your linked wallet secures charges; it is not a prefunded balance","src":["s1"]}},"payments":{"apple_pay":{"v":true,"src":["s4"],"note":"Virtual card can be added to Apple Pay"},"google_pay":{"v":true,"src":["s4"],"note":"Virtual card can be added to Google Wallet"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":["gambling","crypto, stablecoin, NFT and securities purchases","gift cards","government payments"],"src":["s1"],"note":"These earn no cashback; whether the card blocks them is not stated"}},"availability":{"regions":{"v":["Latin America","Caribbean","Asia and Middle East","Africa","Oceania"],"src":["s3"]},"countries_supported_count":{"v":47,"src":["s3"],"note":"Launch blog says about 50"},"countries_supported":{"v":null,"note":"Full list is on a separate supported-countries page that was not read"},"countries_excluded":{"v":null,"note":"Restricted Jurisdictions include Russia, Iran, Cuba, North Korea, Syria and Venezuela"},"us_available":{"v":false,"src":["s1"],"note":"Spend Card is offered only to non-U.S. persons"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":false,"src":["s2"],"note":"EU is listed as coming soon"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":true,"src":["s4"],"note":"Free instant transfers between Ethena Pay users"},"crypto_to_bank_payouts":{"v":true,"src":["s4"],"note":"Withdraw to a wallet or a bank"},"yield_on_balance":{"v":5,"src":["s1"],"note":"Standard tier: up to 5% p.a. total (underlying USDe rate plus a discretionary Daily Boost) on balance up to $5,000 with one card transaction a month; Pro and VIP show 6%"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Earn+ vault (third-party, Upshift and Steakhouse) with up to 12% APY on USD, Standard limit $20,000","src":["s5"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":"Passkeys","src":["s4"]},"biometrics":{"v":"Face ID or fingerprint","src":["s4"]},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":false,"src":["s1"],"note":"The Daily Boost is stated to be not insured"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["email support@ethenapay.co","phone 1-844-ETHA-PAY","in-app help and contact page","complaints@ethenapay.co"],"src":["s3"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":null,"note":"Not published"},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":"About 1,400 active users from a waitlist of over 10,000, per the issuer on Oct-28, 2026","src":["s5"]},"onchain_spend_all_time_usd":{"v":null,"note":"Not published"},"onchain_spend_last_month_usd":{"v":null,"note":"Not published"}},"incidents":[],"referral":{"user_referral_program":{"v":"$30 equivalent paid in AVAX for a qualifying new user, credited within about 30 days; caps may apply","src":["s1"]},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"tests":[],"extra":[{"key":"pro_vip_tiers","label":"Pro and VIP tiers","v":"Pro: 4.5% up to $8,000 a month (then 2%, 1%, 0.5%); VIP: 5% up to $20,000 (then 2%, 1%, 0.5%). Prices and upgrade route are not published; the issuer says upgrades will come shortly","src":["s1","s5"]},{"key":"daily_boost","label":"Daily Boost","v":"Discretionary yield paid in USDe on balance up to a tier cap (Standard $5,000, Pro $100,000, VIP $1,000,000); needs one qualifying card transaction a month; not guaranteed","src":["s1"]},{"key":"penalty_fees","label":"Penalty fees","v":"Late payment up to $40, returned payment up to $29, no over-limit fee","src":["s1"]},{"key":"liquidation","label":"Collateral and liquidation","v":"On a Liquidation Event outstanding charges, penalty fees, gas and any shortfall can be deducted from collateral; liquidation is run by a third party","src":["s1"]},{"key":"invite_access","label":"Invite codes","v":"Finek reported on Oct-22, 2026 that registration needed an invite code; the issuer's own pages do not mention one and the launch blog mentions a waitlist","src":["s6","s4"]},{"key":"promotions","label":"Promotions","v":"Time-limited merchant promotions may replace standard cashback","src":["s1"]}],"sources":[{"id":"s1","url":"https://pay.ethena.fi/pricing","title":"Ethena Pay Pricing (effective Sep-01, 2026, updated Sep-30, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://pay.ethena.fi/terms","title":"Ethena Pay Terms of Use (updated Oct-26, 2026; first 100,000 characters read)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://pay.ethena.fi/faq","title":"Ethena Pay FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://pay.ethena.fi/blog/introducing-ethena-pay","title":"Introducing Ethena Pay (Sep-03, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://pay.ethena.fi/blog/earn-launch","title":"Earn+ launch (Oct-28, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://t.me/bankandfintech/973","title":"Finek channel post, Oct-22, 2026","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":9,"reason":"The issuer is named in the Terms as Third National, a Puerto Rico chartered bank, under licence from Visa. Ethena Pay Ltd itself says it holds no financial licence or registration.","src":["s2"]},"custody":{"points":13,"reason":"Ethena Pay says it never holds user money; collateral stays in the user's own wallet. Card charges are secured by it and a third party can liquidate it.","src":["s1","s2","s4"]},"incidents":{"points":16,"reason":"No incident found, but the product has existed only since Sep-01, 2026.","src":["s4"]},"track_record":{"points":2,"reason":"Launched in beta in September 2026 with about 1,400 active users and roughly $750,000 weekly spend on Oct-28, 2026.","src":["s4","s5"]},"transparency":{"points":6,"reason":"Fees and cashback bands are published in detail and the issuer is named in the Terms. Spend limits and Pro and VIP prices are not published.","src":["s1","s2","s5"]},"support":{"points":5,"reason":"Email, phone, in-app help and a complaints process with a 15 business day target are published. No independent reviews or ratings were found.","src":["s3"]}},"trustPoints":51,"grade":"D","confidence":79,"best":{"tier":"Standard","net":432,"pctOfSpend":3.5999999999999996,"lines":[{"label":"Rewards you can spend","usd":456,"note":"$480 paid in a volatile token, counted at 95%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-24},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":85,"website":"https://pay.ethena.fi","inactive":false},{"slug":"solid","name":"Solid Card","brand":"Solid","checked":"2026-11-05","summary":"Solid is a self-custodial stablecoin savings wallet with a free Visa virtual card, launched Sep-15, 2026. Cashback is 3% / 4% / 5% in USDC by tier, capped at $50 / $100 / $200 a month, with a 1.5% fee on non-USD purchases.","company":{"legal_entity":{"v":"Fuse Network Ltd (card terms); app published by Solid Superapp LLC","src":["s5","s8"]},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Card page lists partners (Fuse, Rain, Voltage, Turnkey, Safe, Check Point), not investors"},"website":{"v":"https://www.solid.xyz","src":["s4"]},"x_handle":{"v":"@SolidYield","src":["s4"]},"telegram":{"v":"SolidYield","src":["s4"]}},"issuer":{"name":{"v":"Rain or Wirex, assigned by country of residence; card terms name Third National","src":["s1","s5","s6"],"note":"Issuer terms: the international and US card terms define the Issuer as Third National; the fees page says Rain or Wirex. Paymentscan lists Rain and Wirex as issuers"},"program_manager":{"v":"Rain (card infrastructure partner); Wirex in some countries","src":["s1","s3"]},"licences":{"v":["Visa licence (card programme)"],"src":["s5"],"note":"No regulator or national licence is named in the terms"},"regulator":{"v":null,"note":"No regulator named in the card terms; banking services stated as provided by SSB, Member FDIC"},"card_network":{"v":"Visa","src":["s3","s4"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s3","s7"]},"launched":{"v":"2026-09","src":["s3"],"note":"Announced Sep-15, 2026; Paymentscan data includes pre-launch activity from May 2026"},"card_kind":{"v":"secured credit","src":["s5"],"note":"Terms describe a secured account backed by collateral with 0% APR on purchases; Solid also offers a borrow ('Credit') mode"},"forms":{"v":["virtual"],"src":["s1","s2"],"note":"Fee pages list the virtual card only"},"custody":{"v":"self-custody","src":["s4","s5"]},"custody_detail":{"v":"Solid states it is fully self-custodial with keys held by the user and passkeys; card terms say Solid and the issuer do not hold custody of collateral, which sits in a wallet on a supported blockchain","src":["s4","s5"]},"kyc_level":{"v":"full","src":["s3","s6"],"note":"Quick ID check at ordering; US terms list name, address, DOB and ID number"},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":"Minutes to order after ID check","src":["s3"],"note":"Launch post wording"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s5"],"note":"Terms are for consumer programmes"},"settlement_currency":{"v":"USD","src":["s1"]},"card_currencies":{"v":["USD","EUR (Wirex cards)"],"src":["s1"]}},"tiers":[{"name":"Core","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1","s2"]},"price_annual":{"v":0,"src":["s1","s2"]},"issuance_virtual":{"v":0,"src":["s1","s2"],"note":"Free to issue"},"issuance_physical":{"v":null,"note":"Not published; the card page shows a physical card in imagery but fees pages list only the virtual card"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not stated in the fee pages or card terms"},"staking_required":{"v":0,"src":["s2"]},"other_requirements":{"v":"None; all members start here","src":["s2"]},"cashback_rate":{"v":3,"src":["s1","s2"],"note":"On eligible purchases, up to the monthly cap"},"cashback_asset":{"v":"USDC","src":["s1"],"note":"Paid into the Savings balance"},"cashback_cap_monthly":{"v":50,"src":["s2"],"note":"Cap covers cashback in USD per month; the card fees page says caps vary by tier and points to the app"},"cashback_eligible_spend":{"v":"Eligible purchases; list not published on the fee pages","src":["s1"]},"cashback_exclusions":{"v":null,"note":"Not on the fee pages; Solid Rewards article was not found"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":false,"src":["s1"],"note":"Cashback is paid in USDC"},"fx_fee":{"v":1.5,"src":["s1","s2"],"note":"Non-USD purchases: 1% card provider plus 0.5% Solid, built into the rate; same on every tier. The international card terms say 'up to 3%' in the fee schedule"},"crypto_conversion_fee":{"v":null,"note":"Deposits and swaps have fees (swaps 0.5% Core, 0.25% Prime, free Ultra) but spend conversion is not stated"},"topup_fee":{"v":0,"src":["s1"],"note":"Solid charges 0%; deposit fees apply on the way into Solid (see funding)"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":null,"note":"Not stated; US terms treat ATM withdrawals as cash advances with fee 'None'"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":750000,"src":["s1"],"note":"Maximum single transaction about $750,000; above about $250,000 may need Visa verification; limits set per user from spendable balance"},"spend_limit_daily":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"spend_limit_monthly":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"spend_limit_annual":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"inactivity_fee":{"v":null,"note":"No inactivity fee mentioned in the fee pages or terms"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Apple Pay and Google Pay at 0% fee","Cross-border fees covered by Solid"],"src":["s1","s2"]}},{"name":"Prime","currency":"USD","is_default":false,"price_monthly":{"v":null,"src":["s2"],"note":"Billed yearly"},"price_annual":{"v":199,"src":["s2"],"note":"Or lock FUSE instead of paying"},"issuance_virtual":{"v":0,"src":["s1","s2"],"note":"Free to issue"},"issuance_physical":{"v":null,"note":"Not published; the card page shows a physical card in imagery but fees pages list only the virtual card"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not stated in the fee pages or card terms"},"staking_required":{"v":{"amount":50000,"asset":"FUSE","lock_days":365},"src":["s2"],"note":"Alternative to the $199 yearly fee; third-party sites report a higher amount, not confirmed by the issuer"},"other_requirements":{"v":"Pay $199 a year, or lock 50,000 FUSE for 12 months","src":["s2"]},"cashback_rate":{"v":4,"src":["s1","s2"],"note":"On eligible purchases, up to the monthly cap"},"cashback_asset":{"v":"USDC","src":["s1"],"note":"Paid into the Savings balance"},"cashback_cap_monthly":{"v":100,"src":["s2"],"note":"Cap covers cashback in USD per month; the card fees page says caps vary by tier and points to the app"},"cashback_eligible_spend":{"v":"Eligible purchases; list not published on the fee pages","src":["s1"]},"cashback_exclusions":{"v":null,"note":"Not on the fee pages; Solid Rewards article was not found"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":false,"src":["s1"],"note":"Cashback is paid in USDC"},"fx_fee":{"v":1.5,"src":["s1","s2"],"note":"Non-USD purchases: 1% card provider plus 0.5% Solid, built into the rate; same on every tier. The international card terms say 'up to 3%' in the fee schedule"},"crypto_conversion_fee":{"v":null,"note":"Deposits and swaps have fees (swaps 0.5% Core, 0.25% Prime, free Ultra) but spend conversion is not stated"},"topup_fee":{"v":0,"src":["s1"],"note":"Solid charges 0%; deposit fees apply on the way into Solid (see funding)"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":null,"note":"Not stated; US terms treat ATM withdrawals as cash advances with fee 'None'"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":750000,"src":["s1"],"note":"Maximum single transaction about $750,000; above about $250,000 may need Visa verification; limits set per user from spendable balance"},"spend_limit_daily":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"spend_limit_monthly":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"spend_limit_annual":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"inactivity_fee":{"v":null,"note":"No inactivity fee mentioned in the fee pages or terms"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Bank deposit and swap fees 0.25%","Apple Pay and Google Pay at 0% fee"],"src":["s1","s2"]}},{"name":"Ultra","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Not published"},"price_annual":{"v":null,"note":"No cash price; access only by locking FUSE"},"issuance_virtual":{"v":0,"src":["s1","s2"],"note":"Free to issue"},"issuance_physical":{"v":null,"note":"Not published; the card page shows a physical card in imagery but fees pages list only the virtual card"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not stated in the fee pages or card terms"},"staking_required":{"v":{"amount":400000,"asset":"FUSE","lock_days":365},"src":["s2"],"note":"Third-party sites report a higher amount, not confirmed by the issuer"},"other_requirements":{"v":"Lock 400,000 FUSE for 12 months","src":["s2"]},"cashback_rate":{"v":5,"src":["s1","s2"],"note":"On eligible purchases, up to the monthly cap"},"cashback_asset":{"v":"USDC","src":["s1"],"note":"Paid into the Savings balance"},"cashback_cap_monthly":{"v":200,"src":["s2"],"note":"Cap covers cashback in USD per month; the card fees page says caps vary by tier and points to the app"},"cashback_eligible_spend":{"v":"Eligible purchases; list not published on the fee pages","src":["s1"]},"cashback_exclusions":{"v":null,"note":"Not on the fee pages; Solid Rewards article was not found"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":false,"src":["s1"],"note":"Cashback is paid in USDC"},"fx_fee":{"v":1.5,"src":["s1","s2"],"note":"Non-USD purchases: 1% card provider plus 0.5% Solid, built into the rate; same on every tier. The international card terms say 'up to 3%' in the fee schedule"},"crypto_conversion_fee":{"v":null,"note":"Deposits and swaps have fees (swaps 0.5% Core, 0.25% Prime, free Ultra) but spend conversion is not stated"},"topup_fee":{"v":0,"src":["s1"],"note":"Solid charges 0%; deposit fees apply on the way into Solid (see funding)"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":null,"note":"Not stated; US terms treat ATM withdrawals as cash advances with fee 'None'"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":750000,"src":["s1"],"note":"Maximum single transaction about $750,000; above about $250,000 may need Visa verification; limits set per user from spendable balance"},"spend_limit_daily":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"spend_limit_monthly":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"spend_limit_annual":{"v":null,"note":"Set per user and card by Solid; amounts not published"},"inactivity_fee":{"v":null,"note":"No inactivity fee mentioned in the fee pages or terms"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Free bank deposits and swaps while the lock lasts","Apple Pay and Google Pay at 0% fee"],"src":["s1","s2"]}}],"funding":{"crypto_assets":{"v":["USDC","USDT","ETH","FUSE","EURC (Base, for Wirex EUR balance)"],"src":["s1","s2","s4"]},"chains":{"v":["Fuse","Ethereum","BNB Smart Chain","Polygon","Base","Arbitrum"],"src":["s2"]},"fiat_topup":{"v":["ACH","Wire","SEPA (cash deposit via TransFi)"],"src":["s2","s4"],"note":"Virtual account opening $10 one time; waived if Rain card verification is done"},"deposit_fees":{"v":"Crypto: Fuse free, Ethereum 0.1%, other networks 0.03%; EURC on Base free; bank deposit 0.5% Core, 0.25% Prime, free Ultra; cash deposit 0.5% plus TransFi fee","src":["s2"]},"min_deposit":{"v":10,"src":["s1","s2"],"note":"Smaller deposits land in the Solid Wallet and cannot be spent until moved to the card"},"spend_from":{"v":"Card balance funded from the Solid balance; Wirex cards can spend a EUR balance or soUSD in Credit mode","src":["s1","s3"]}},"payments":{"apple_pay":{"v":true,"src":["s2","s3"]},"google_pay":{"v":true,"src":["s2","s3"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":true,"src":["s3"],"note":"Launch post cites Netflix, Apple and similar merchants for cashback"},"restricted_mccs":{"v":"High-risk merchants, gambling (depending on jurisdiction), unregulated financial services; gas stations limited to 2 transactions per 3 days with about $175 minimum balance","src":["s1"]}},"availability":{"regions":{"v":["Latin America","Caribbean","Africa","Asia","Oceania","Middle East","North America"],"src":["s3"],"note":"Eligibility and jurisdictional restrictions apply"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Full list not published"},"countries_excluded":{"v":null,"note":"Not listed; users must not be sanctioned; international programme is for non-US citizens"},"us_available":{"v":true,"src":["s6"],"note":"Separate US consumer card terms exist (Puerto Rico law)"},"uk_available":{"v":null,"note":"An App Store reviewer says card use is unavailable in the UK; not confirmed by the issuer"},"eea_available":{"v":null,"note":"Wirex EUR options exist, country coverage not published"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":"USD virtual account (account and routing numbers)","src":["s4"]},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":"Bank withdrawals free","src":["s2"]},"yield_on_balance":{"v":4.5,"src":["s4"],"note":"Card page lists 4.5% for USDC and USDT savings, 'up to 6%' on dollars; app store says up to 8%; 10% performance fee on yield"},"crypto_loans":{"v":true,"src":["s4"],"note":"Borrow USDC against savings"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s1"],"note":"Wirex cards: EUR balance"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":true,"src":["s3"],"note":"One-tap freeze"},"two_factor":{"v":"Passkeys; app store says two-factor protection","src":["s4","s8"]},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":"Deposits at SSB may be FDIC-insured up to $250,000 per depositor; yield and borrowing via the Solid DeFi protocol are not","src":["s4"]},"audits":{"v":"Card page cites audited key infrastructure and audited vault strategies; no report named","src":["s4"]}},"app":{"ios_url":{"v":"https://apps.apple.com/app/id6758618401","src":["s8"]},"ios_rating":{"v":3,"src":["s8"]},"ios_rating_count":{"v":6,"src":["s8"],"note":"Two of six reviews negative (lost deposits, scam claim), unverified"},"android_url":{"v":"https://play.google.com/store/apps/details?id=xyz.solid.android","src":["s4"]},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English"],"src":["s8"]},"web_app":{"v":true,"src":["s3"],"note":"Card first launched in the desktop app"},"support_channels":{"v":["Help centre","hello@solid.xyz","Telegram"],"src":["s3","s4"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Card not issued for some countries, e.g. a Spain-resident user with a Russian passport was refused (user report)","Deposits under $10 do not reach the card; two wallets confuse users (Finek)"],"src":["s10","s11"]},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":1094000,"src":["s7"],"note":"20,558 transactions from 658 addresses; includes pre-launch activity from May 2026"},"onchain_spend_last_month_usd":{"v":689700,"src":["s7"],"note":"Oct 2026"}},"incidents":[],"tests":[],"referral":{"user_referral_program":{"v":true,"src":["s8"],"note":"App store says users earn rewards when friends join"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"Wirex-issued cards","field":"tiers[0].fx_fee","v":0,"src":["s1"]}],"extra":[{"key":"fuse_lock_tiers","label":"Tier upgrade","v":"Prime: $199 a year or lock 50,000 FUSE for 12 months. Ultra: lock 400,000 FUSE for 12 months. Locked FUSE cannot be withdrawn early","src":["s2"]},{"key":"savings_fees","label":"Savings fees","v":"10% performance fee on yield; 0.01% solver fee on withdrawals; no lock-up or minimum","src":["s2"]},{"key":"foreign_fee_schedule","label":"International terms fee schedule","v":"Foreign exchange fee (non-USD) up to 3% and cross-border fee up to 3% are listed as maxima; Solid's fee pages say 1.5% total and cross-border covered","src":["s5","s1"]},{"key":"penalty_fees","label":"Penalty fees in card terms","v":"Late payment up to $40, returned payment up to $29 (secured credit account)","src":["s5"]},{"key":"wirex_eur","label":"Wirex EUR spending","v":"No FX fee on euro purchases fully covered by a EUR balance (EURC on Base) or soUSD in Credit mode; otherwise 1.5%","src":["s1"]}],"sources":[{"id":"s1","url":"https://support.solid.xyz/articles/card-fees-limits","title":"Card fees and limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://support.solid.xyz/articles/solid-fees-and-limits-the-complete-overview","title":"Solid fees and limits: the complete overview","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://www.solid.xyz/post/the-new-solid-card-is-here","title":"The new Solid Card, Sep-15, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://www.solid.xyz/card","title":"Solid card page","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://support.solid.xyz/articles/card-terms-for-international-consumer-program","title":"Card terms for international consumer program","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://support.solid.xyz/articles/fuse-network-ltd-card-terms-for-u-s-consumer-program","title":"Fuse Network Ltd card terms for U.S. consumer program","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://paymentscan.xyz/cards/solid","title":"Solid Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s8","url":"https://apps.apple.com/app/id6758618401","title":"Solid: Earn USDC & Stablecoin (App Store)","publisher":"app store","accessed":"2026-11-05"},{"id":"s10","url":"https://t.me/c/1916527029/244339","title":"Finek chat, user report, Sep-10, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s11","url":"https://t.me/bankandfintech/903","title":"Finek channel post on Solid wallets","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":6,"reason":"Cards are issued by Rain or Wirex, with Third National named as issuer in the card terms; Solid itself has no licence and says it is not a bank. No regulator is named in the terms.","src":["s4","s5"]},"custody":{"points":13,"reason":"Solid states it is self-custodial with passkeys and that neither it nor the issuer holds collateral. Yield and borrowing run through its own DeFi protocol, which adds smart-contract risk.","src":["s4","s5"]},"incidents":{"points":15,"reason":"No incident was found, but the card launched only on Sep-15, 2026 and the App Store shows two negative reviews alleging lost deposits, which are unverified.","src":["s8"]},"track_record":{"points":4,"reason":"Card live since Sep 2026, with about $1.09M all-time spend across 658 addresses per Paymentscan, part of it pre-launch.","src":["s3","s7"]},"transparency":{"points":5,"reason":"Fee pages are clear on tiers, cashback and FX, but ATM, replacement fees, limits, country list, company details and issuer name are inconsistent or missing.","src":["s1","s2","s5"]},"support":{"points":3,"reason":"Help centre and email exist; the App Store rating is 3.0 from six ratings, and a user report describes a country refusal after verification.","src":["s8","s10"]}},"trustPoints":46,"grade":"D","confidence":79,"best":{"tier":"Core","net":324,"pctOfSpend":2.7,"lines":[{"label":"Rewards you can spend","usd":360},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-36},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":81,"website":"https://www.solid.xyz","inactive":false},{"slug":"tria","name":"Tria Card","brand":"Tria","checked":"2026-11-05","summary":"Tria is a self-custody crypto wallet app with a Visa card sold as a yearly membership: Virtual about $20, Signature $109 and Premium $250. Cashback is 1.5%, 4.5% or 6% in USDT up to a small monthly spend threshold, then 0.5% to 1%, and it can be paid out up to 12 months later.","company":{"legal_entity":{"v":"Threely Dimensions, Inc. (operates Tria)","src":["s3","s4"],"note":"Terms of Service are governed by Delaware law"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published by the company; aggregator figures conflict"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.tria.so","src":["s25"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Nimbus, LLC (international cardholders); Third National, LLC (US cardholders)","src":["s1","s2"],"note":"Named in the issuer terms. Visa issuing country is Puerto Rico per the lounge guide"},"program_manager":{"v":"Rain","src":["s16","s1"],"note":"Paymentscan names Rain; the international terms link to Rain's privacy policy. Tria itself says it is not a card issuer"},"licences":{"v":null,"note":"Not published"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s7","s1"]},"card_product_level":{"v":"Visa Platinum (Virtual); Visa Signature (Signature, Premium)","src":["s19"],"note":"Product level per a third-party review; the issuer does not state it"}},"product":{"status":{"v":"live","src":["s5","s17"]},"launched":{"v":"2025-09","src":["s3"],"note":"Earliest date the issuer's terms show the card programme running. The app was released Jul-18, 2025 (App Store); a review gives Oct 2025"},"card_kind":{"v":"secured credit","src":["s1","s2"],"note":"Terms call it a credit card with a limit equal to the collateral you post; reviews describe it as debit"},"forms":{"v":["virtual","physical","metal"],"src":["s12"]},"custody":{"v":"self-custody","src":["s4","s7"],"note":"Tria says it never holds funds; the top-up guide says deposits are converted and credited to a card balance, so the exact flow should be checked in the app"},"custody_detail":{"v":"Terms say collateral stays in your linked wallet and can be liquidated by the issuer; the help centre top-up guide describes a card balance funded by converting your crypto","src":["s1","s10"]},"kyc_level":{"v":"full","src":["s12"]},"kyc_documents":{"v":"Personal details, valid ID document and a selfie","src":["s12"]},"kyc_time":{"v":"About 20 minutes of onboarding","src":["s16"],"note":"Third-party estimate"},"min_age":{"v":18,"src":["s12"]},"business_cards":{"v":false,"src":["s12"],"note":"Bulk purchase page says it is not a corporate card"},"settlement_currency":{"v":"USD","src":["s1"]},"card_currencies":{"v":["USD"],"src":["s1"]}},"tiers":[{"name":"Virtual","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1","s2"],"note":"No monthly fee; the plan is billed once a year"},"price_annual":{"v":20,"src":["s5","s6","s1","s19"],"note":"Live membership page and renewal FAQ show $20 a year (called Lite). The card terms (Oct-31, 2025) list $25. The renewal FAQ also says the free Lite tier renews at $0, which contradicts its own price list. One review shows $2 a month, which equals $25 a year; no monthly billing exists"},"issuance_virtual":{"v":0,"src":["s12","s5"],"note":"A virtual Lite card comes with every plan. The card terms also list a card-issue fee equal to the annual fee, but the membership page says there are no hidden costs, so it looks included"},"issuance_physical":{"v":null,"note":"No physical card on this plan"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":0,"src":["s14"],"note":"Re-issue of the virtual card is free, up to 3 times"},"staking_required":{"v":0,"src":["s3"],"note":"No stake needed; an optional staking badge adds +0.25% to +2% cashback within the monthly cap"},"other_requirements":{"v":"KYC with ID and selfie; supported country of residence; age 18+","src":["s12"]},"cashback_rate":{"v":1.5,"src":["s3","s5"],"note":"1.5% on the first $100 of monthly spend, then 0.5%. The help centre guides say a $1,000 cap; the binding cashback terms say $100"},"cashback_asset":{"v":"USDT on Arbitrum (USDC or USDT are eligible per the terms); claimed in the app","src":["s3","s8"]},"cashback_cap_monthly":{"v":null,"note":"No money cap on cashback. The headline rate applies to the first $100 of monthly spend, then 0.5%"},"cashback_eligible_spend":{"v":"All eligible card purchases; the monthly threshold is per user across all cards, at the highest tier held","src":["s3","s8"]},"cashback_exclusions":{"v":["ATM and cash withdrawals","Gaming and gambling","Cash-like transactions (money orders, traveller's cheques, foreign currency, wire transfers, crypto purchases)","Person-to-person transfers and account funding","Balance repayments","Reversed or refunded transactions","Tria Travel bookings (separate reward programme)","Vouchers bought through some platforms"],"src":["s3","s22"]},"cashback_vesting":{"v":"Paid in batches no later than 12 months after each month ends; the help centre says quarterly, around 3 months after the token launch","src":["s3","s22"],"note":"Cashback is only earned while the membership is active. Users report waiting about 3 months or more"},"points_program":{"v":"Tria Points: 1 per $1 on Virtual, 1.5 per $1 on Signature and Premium; no fixed cash value","src":["s19"],"note":"Third-party review; the issuer's help centre describes Season 3 points and mystery boxes without these ratios"},"fx_fee":{"v":0,"src":["s7","s15"],"note":"Tria advertises 0% Tria FX fee, with Visa's own FX fee still possible. The card terms allow up to 3% (up to 1% international transaction fee) and Paymentscan measured about 1.5% in a real payment (1% Visa plus 0.5% Tria), see tests"},"crypto_conversion_fee":{"v":0,"src":["s11","s10"],"note":"No Tria top-up fee. A provider fee (swap slippage, routing, network) is shown in the app before confirming and varies; the terms allow up to 1% on USDC settlement or deposit. One reviewer measured about 0.4% sell spread, see tests"},"topup_fee":{"v":0,"src":["s10","s11"],"note":"No Tria service fee; Tron needs TRX and Solana needs SOL for network fees"},"atm_free_monthly":{"v":null,"note":"No ATM withdrawals on the virtual card"},"atm_fee_pct":{"v":null,"note":"No ATM withdrawals on the virtual card"},"atm_fee_fixed":{"v":null,"note":"No ATM withdrawals on the virtual card"},"atm_limit_daily":{"v":null,"note":"No ATM withdrawals on the virtual card"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":100000,"src":["s5"],"note":"Membership page shows a $100K daily limit in every plan; one review lists $1M. Spending is also capped by the collateral you hold"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published for spending. Cashback had a $100,000 annual limit in the period before Jun-01, 2026"},"inactivity_fee":{"v":0,"src":["s19"],"note":"Review lists no inactivity fee; the card terms list a 0% monthly fee"},"decline_fee":{"v":2,"src":["s1"],"note":"Applies to declined ATM transactions only, up to $2"},"perks":{"v":["Instant virtual card after KYC","Apple Pay and Google Pay","Visa Platinum purchase benefits per a review"],"src":["s5","s19"]}},{"name":"Signature","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s1","s2"],"note":"No monthly fee; the plan is billed once a year"},"price_annual":{"v":109,"src":["s5","s6","s1"],"note":"Called Pro in the app and help centre. Promotional price of $90 existed earlier; $109 is the standard renewal price"},"issuance_virtual":{"v":0,"src":["s12","s5"],"note":"A virtual Lite card comes with every plan. The card terms also list a card-issue fee equal to the annual fee, but the membership page says there are no hidden costs, so it looks included"},"issuance_physical":{"v":0,"src":["s12","s5"],"note":"Plastic card included in the membership price; shipped in batches"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Physical card replacement could not be done in the app at the time of the help article"},"staking_required":{"v":0,"src":["s3"],"note":"No stake needed; an optional staking badge adds +0.25% to +2% cashback within the monthly cap"},"other_requirements":{"v":"KYC with ID and selfie; supported country of residence; age 18+","src":["s12"]},"cashback_rate":{"v":4.5,"src":["s3","s5"],"note":"4.5% on the first $1,000 of monthly spend, then 1%. Some help articles say a $2,000 cap; the binding cashback terms say $1,000"},"cashback_asset":{"v":"USDT on Arbitrum (USDC or USDT are eligible per the terms); claimed in the app","src":["s3","s8"]},"cashback_cap_monthly":{"v":null,"note":"No money cap on cashback. The headline rate applies to the first $1,000 of monthly spend, then 1%"},"cashback_eligible_spend":{"v":"All eligible card purchases; the monthly threshold is per user across all cards, at the highest tier held","src":["s3","s8"]},"cashback_exclusions":{"v":["ATM and cash withdrawals","Gaming and gambling","Cash-like transactions (money orders, traveller's cheques, foreign currency, wire transfers, crypto purchases)","Person-to-person transfers and account funding","Balance repayments","Reversed or refunded transactions","Tria Travel bookings (separate reward programme)","Vouchers bought through some platforms"],"src":["s3","s22"]},"cashback_vesting":{"v":"Paid in batches no later than 12 months after each month ends; the help centre says quarterly, around 3 months after the token launch","src":["s3","s22"],"note":"Cashback is only earned while the membership is active. Users report waiting about 3 months or more"},"points_program":{"v":"Tria Points: 1 per $1 on Virtual, 1.5 per $1 on Signature and Premium; no fixed cash value","src":["s19"],"note":"Third-party review; the issuer's help centre describes Season 3 points and mystery boxes without these ratios"},"fx_fee":{"v":0,"src":["s7","s15"],"note":"Tria advertises 0% Tria FX fee, with Visa's own FX fee still possible. The card terms allow up to 3% (up to 1% international transaction fee) and Paymentscan measured about 1.5% in a real payment (1% Visa plus 0.5% Tria), see tests"},"crypto_conversion_fee":{"v":0,"src":["s11","s10"],"note":"No Tria top-up fee. A provider fee (swap slippage, routing, network) is shown in the app before confirming and varies; the terms allow up to 1% on USDC settlement or deposit. One reviewer measured about 0.4% sell spread, see tests"},"topup_fee":{"v":0,"src":["s10","s11"],"note":"No Tria service fee; Tron needs TRX and Solana needs SOL for network fees"},"atm_free_monthly":{"v":0,"src":["s9","s19"],"note":"No free ATM allowance"},"atm_fee_pct":{"v":1,"src":["s9"],"note":"Help centre formula is $1 plus 1%; the card terms and Paymentscan say up to $2 plus 3%"},"atm_fee_fixed":{"v":1,"src":["s9"],"note":"Terms allow up to $2"},"atm_limit_daily":{"v":750,"src":["s9","s7"],"note":"ATM article: $750 per withdrawal and up to 3 withdrawals in 24 hours; the membership table says up to $750 a day"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":100000,"src":["s5"],"note":"Membership page shows a $100K daily limit in every plan; one review lists $1M. Spending is also capped by the collateral you hold"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published for spending. Cashback had a $100,000 annual limit in the period before Jun-01, 2026"},"inactivity_fee":{"v":0,"src":["s19"],"note":"Review lists no inactivity fee; the card terms list a 0% monthly fee"},"decline_fee":{"v":2,"src":["s1"],"note":"Applies to declined ATM transactions only, up to $2"},"perks":{"v":["Plastic card plus a Lite virtual card","Airport lounge access via Visa (fee per visit)","Price protection up to $2,000","Purchase protection up to $10,000","Tria Earn boost up to 10%"],"src":["s7","s13"]}},{"name":"Premium","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s1","s2"],"note":"No monthly fee; the plan is billed once a year"},"price_annual":{"v":250,"src":["s5","s6","s1"],"note":"Called Max in the app and help centre. Promotional price of $225 existed earlier; $250 is the standard renewal price"},"issuance_virtual":{"v":0,"src":["s12","s5"],"note":"A virtual Lite card comes with every plan. The card terms also list a card-issue fee equal to the annual fee, but the membership page says there are no hidden costs, so it looks included"},"issuance_physical":{"v":0,"src":["s12","s5"],"note":"Metal card included in the membership price; shipped in batches"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Physical card replacement could not be done in the app at the time of the help article"},"staking_required":{"v":0,"src":["s3"],"note":"No stake needed; an optional staking badge adds +0.25% to +2% cashback within the monthly cap"},"other_requirements":{"v":"KYC with ID and selfie; supported country of residence; age 18+","src":["s12"]},"cashback_rate":{"v":6,"src":["s3","s5"],"note":"6% on the first $2,000 of monthly spend, then 1%"},"cashback_asset":{"v":"USDT on Arbitrum (USDC or USDT are eligible per the terms); claimed in the app","src":["s3","s8"]},"cashback_cap_monthly":{"v":null,"note":"No money cap on cashback. The headline rate applies to the first $2,000 of monthly spend, then 1%"},"cashback_eligible_spend":{"v":"All eligible card purchases; the monthly threshold is per user across all cards, at the highest tier held","src":["s3","s8"]},"cashback_exclusions":{"v":["ATM and cash withdrawals","Gaming and gambling","Cash-like transactions (money orders, traveller's cheques, foreign currency, wire transfers, crypto purchases)","Person-to-person transfers and account funding","Balance repayments","Reversed or refunded transactions","Tria Travel bookings (separate reward programme)","Vouchers bought through some platforms"],"src":["s3","s22"]},"cashback_vesting":{"v":"Paid in batches no later than 12 months after each month ends; the help centre says quarterly, around 3 months after the token launch","src":["s3","s22"],"note":"Cashback is only earned while the membership is active. Users report waiting about 3 months or more"},"points_program":{"v":"Tria Points: 1 per $1 on Virtual, 1.5 per $1 on Signature and Premium; no fixed cash value","src":["s19"],"note":"Third-party review; the issuer's help centre describes Season 3 points and mystery boxes without these ratios"},"fx_fee":{"v":0,"src":["s7","s15"],"note":"Tria advertises 0% Tria FX fee, with Visa's own FX fee still possible. The card terms allow up to 3% (up to 1% international transaction fee) and Paymentscan measured about 1.5% in a real payment (1% Visa plus 0.5% Tria), see tests"},"crypto_conversion_fee":{"v":0,"src":["s11","s10"],"note":"No Tria top-up fee. A provider fee (swap slippage, routing, network) is shown in the app before confirming and varies; the terms allow up to 1% on USDC settlement or deposit. One reviewer measured about 0.4% sell spread, see tests"},"topup_fee":{"v":0,"src":["s10","s11"],"note":"No Tria service fee; Tron needs TRX and Solana needs SOL for network fees"},"atm_free_monthly":{"v":0,"src":["s9","s19"],"note":"No free ATM allowance"},"atm_fee_pct":{"v":1,"src":["s9"],"note":"Help centre formula is $1 plus 1%; the card terms and Paymentscan say up to $2 plus 3%"},"atm_fee_fixed":{"v":1,"src":["s9"],"note":"Terms allow up to $2"},"atm_limit_daily":{"v":750,"src":["s9","s7"],"note":"ATM article: $750 per withdrawal and up to 3 withdrawals in 24 hours; the membership table says up to $750 a day"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":100000,"src":["s5"],"note":"Membership page shows a $100K daily limit in every plan; one review lists $1M. Spending is also capped by the collateral you hold"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published for spending. Cashback had a $100,000 annual limit in the period before Jun-01, 2026"},"inactivity_fee":{"v":0,"src":["s19"],"note":"Review lists no inactivity fee; the card terms list a 0% monthly fee"},"decline_fee":{"v":2,"src":["s1"],"note":"Applies to declined ATM transactions only, up to $2"},"perks":{"v":["Metal card plus a Lite virtual card","Airport lounge access via Visa (fee per visit)","Price protection up to $2,000","Purchase protection up to $10,000","Tria Earn boost up to 15%"],"src":["s7","s13"]}}],"funding":{"crypto_assets":{"v":["USDC","USDT","BTC"],"src":["s10"],"note":"The guide gives USDC and USDT as examples and BTC with its own minimum; the help centre claims 1,000+ supported tokens but publishes no list"},"chains":{"v":["Bitcoin","Ethereum","Polygon","Base","Arbitrum","Optimism","BNB Chain","Aptos","Tron","Solana"],"src":["s10"],"note":"Avalanche is not supported; direct SOL deposits are not accepted"},"fiat_topup":{"v":null,"note":"Renewal FAQ mentions fiat top-ups but no method is described"},"deposit_fees":{"v":"No Tria fee; a provider fee varies by token and route","src":["s11","s10"],"note":"Solana deposits need SOL for gas and Tron needs TRX; other chains are gasless"},"min_deposit":{"v":"$50 for BTC; $10 for all other supported tokens","src":["s10"]},"spend_from":{"v":"Card balance credited after converting the deposit","src":["s10"],"note":"Other Tria pages say crypto stays in the wallet until the swipe"}},"payments":{"apple_pay":{"v":true,"src":["s7","s5"]},"google_pay":{"v":true,"src":["s7","s5"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published; some merchants decline foreign-issued cards"},"restricted_mccs":{"v":["Gambling and gaming","Cash-like transactions","Person-to-person transfers"],"src":["s1","s3"],"note":"Cash-like and gambling transactions may be blocked under the card terms; they are also excluded from cashback"}},"availability":{"regions":{"v":["Global (150+ countries)"],"src":["s7"]},"countries_supported_count":{"v":150,"src":["s7"],"note":"Help centre says 150+; one review counts 220+"},"countries_supported":{"v":null,"note":"List not published in a fetchable form"},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":true,"src":["s2"],"note":"US card terms exist; one review also says US residents can apply"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":null,"note":"Not published"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not on the card balance; Tria Earn is a separate product"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Self-custody wallet with trading, futures and Tria Earn (up to 6% Virtual, 10% Signature, 15% Premium boost)","src":["s7"]}},"security":{"card_freeze":{"v":true,"src":["s14"],"note":"Physical cards can be frozen in the app"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":true,"src":["s14"],"note":"Card number and CVV are hidden behind a biometric check"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/tria-crypto-cards/id6745908653","src":["s17"]},"ios_rating":{"v":3.5,"src":["s17"],"note":"Only 40 ratings"},"ios_rating_count":{"v":40,"src":["s17"]},"android_url":{"v":"https://play.google.com/store/apps/details?id=com.tria.v2","src":["s18"]},"android_rating":{"v":4.2,"src":["s18"]},"android_installs":{"v":"100K+","src":["s18"]},"languages":{"v":["English","Japanese","Korean","Spanish"],"src":["s19"]},"web_app":{"v":"https://app.tria.so","src":["s5"]},"support_channels":{"v":["In-app support"],"src":["s12"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Trustpilot page blocked automated access"},"trustpilot_reviews":{"v":null,"note":"Trustpilot page blocked automated access"},"common_complaints":{"v":["Cashback is paid late; the terms allow up to 12 months and users report waiting 3 months or more","Funds cannot be taken back out of the card once topped up","Physical card delivery rolled out slowly (Japan only as of Jan-22, 2026)","Help articles and terms disagree on prices, caps and fees"],"src":["s3","s19","s23","s24"]},"common_praise":{"v":["High cashback at the Signature and Premium tiers","Support rated well by a reviewer"],"src":["s19"]}},"adoption":{"users_claimed":{"v":"600,000+ users","src":["s18"]},"onchain_spend_all_time_usd":{"v":183600000,"src":["s16"],"note":"Spend authorizations via Rain"},"onchain_spend_last_month_usd":{"v":15790000,"src":["s16"],"note":"Oct 2026"}},"incidents":[{"date":"2026-06","type":"fee change","summary":"From Jun-01, 2026 cashback got monthly spend thresholds ($100 Virtual, $1,000 Signature, $2,000 Premium) with a lower rate above them; before that there was no monthly cap.","src":["s3","s8"]},{"date":"2026-08","type":"hack","summary":"A hack at card provider Rain reportedly took about $1M of Solana deposits on their way to Tria and Avici card accounts; Finek reported affected users were being repaid.","src":["s20","s21"]}],"referral":{"user_referral_program":{"v":true,"src":["s19"],"note":"Sign-up uses invite or access codes per a review"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"plan_names","label":"Plan names","v":"Virtual = Lite, Signature = Pro, Premium = Max (card terms use the first names, the app and help centre use the second)","src":["s1","s7"]},{"key":"cashback_staking_badge","label":"Staking badge boost","v":"Optional staking badges add +0.25% (Seed) to +2% (VIP Infinity) cashback, only within the monthly spend threshold","src":["s3"]},{"key":"joining_bonus_promo","label":"Joining bonus (ended)","v":"40% of the membership price back as a joining bonus on the first card purchase, offered Sep-26 to Oct-11, 2026","src":["s5"]},{"key":"membership_auto_renew","label":"Auto-renewal","v":"Off by default; without renewal the card keeps working but cashback stops","src":["s6"]},{"key":"collateral_liquidation","label":"Collateral and liquidation","v":"The card is a credit line secured by crypto you post; if collateral value falls below charges, the issuer can liquidate it","src":["s1"]},{"key":"issuing_country","label":"Issuing country","v":"Puerto Rico (Visa benefits and lounge registration use it)","src":["s13"]},{"key":"lounge_visit_fees","label":"Lounge access cost","v":"Pro and Max physical cards only; a fee is charged for every visit","src":["s13"]}],"tests":[{"metric":"fx_markup","value":1.5,"text":"About 1.5% on a foreign payment: 1% Visa plus 0.5% Tria, while Tria advertises 0%","tester":"Paymentscan","date":null,"src":["s16"]},{"metric":"conversion_spread","value":0.4,"text":"About 0.4% sell spread converting crypto to USD, with no load fee","tester":"Cryptonoshi","date":null,"src":["s19"]}],"sources":[{"id":"s1","url":"https://docs.tria.so/card-terms-international","title":"International Card Terms and Important Disclosures (Nimbus, LLC), updated Jan-09, 2026, fee disclosure Oct-31, 2025","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://docs.tria.so/card-terms-us","title":"U.S. Card Terms and Cardholder Agreement (Third National), updated Jan-09, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://docs.tria.so/card-cashback-terms","title":"Card Cashback Terms and Conditions, updated Jun-01, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://docs.tria.so/terms-of-service","title":"Tria Terms of Service","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://app.tria.so/membership","title":"Tria membership page (plans and prices)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://help.tria.so/en/articles/17595743-tria-card-membership-renewal-faq","title":"Tria Card Membership Renewal FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://help.tria.so/en/articles/13513481-what-are-tria-cards","title":"What are Tria Cards? (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://help.tria.so/en/articles/15494704-cashback-season-3-guide","title":"Cashback Season 3 Guide (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://help.tria.so/en/articles/14780504-atm-withdrawals","title":"ATM Withdrawals (help centre), May-15, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://help.tria.so/en/articles/14056654-tria-card-top-up-guide","title":"Tria Card Top-Up Guide (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://help.tria.so/en/articles/14854432-what-are-provider-fees","title":"What are Provider Fees? (help centre), May-01, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://help.tria.so/en/articles/14056678-how-to-get-a-tria-card","title":"How to get a Tria Card (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s13","url":"https://help.tria.so/en/articles/14459936-travel-in-comfort-airport-lounge-access-guide","title":"Airport Lounge Access Guide (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s14","url":"https://help.tria.so/en/articles/14854386-card-security-and-troubleshooting","title":"Card Security and Troubleshooting (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s15","url":"https://help.tria.so/en/articles/13513737-what-are-tria-memberships","title":"What are Tria Memberships? (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s16","url":"https://paymentscan.xyz/cards/tria","title":"Tria Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s17","url":"https://apps.apple.com/us/app/tria-crypto-cards/id6745908653","title":"Tria: Crypto & Cards on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s18","url":"https://play.google.com/store/apps/details?id=com.tria.v2","title":"Tria: Crypto & Cards on Google Play","publisher":"app store","accessed":"2026-11-05"},{"id":"s19","url":"https://cryptonoshi.com/product/tria-card/","title":"Tria Card review, Last Updated Nov-02, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s20","url":"https://t.me/bankandfintech/888","title":"Finek channel post, Aug-28, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s21","url":"https://t.me/bankandfintech/891","title":"Finek channel post, Aug-29, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s22","url":"https://help.tria.so/en/articles/13696877-cashback-general-information","title":"Cashback General Information (help centre)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s23","url":"https://t.me/c/1916527029/236332","title":"Finek chat, user report, Aug-26, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s24","url":"https://t.me/c/1916527029/158035","title":"Finek chat, user report, Jan-22, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s25","url":"https://help.tria.so/en/","title":"Tria Help Center","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":9,"reason":"Terms name Nimbus and Third National as issuers. Threely Dimensions, Inc. publishes no licence of its own.","src":["s1","s2","s3"]},"custody":{"points":13,"reason":"Tria says it never holds funds, but its top-up guide describes a card balance that cannot be unloaded.","src":["s4","s10"]},"incidents":{"points":12,"reason":"A Rain hack reportedly took about $1M of Solana deposits in Aug 2026, and users were repaid. Cashback was cut in Jun 2026.","src":["s20","s21","s3"]},"track_record":{"points":9,"reason":"$184M spend tracked by Paymentscan since Sep 2025.","src":["s16"]},"transparency":{"points":6,"reason":"Detailed terms and help pages, but they disagree on the plan price, cashback thresholds and ATM fee.","src":["s1","s3"]},"support":{"points":4,"reason":"In-app support only. iOS 3.5 from 40 ratings; users report late cashback.","src":["s12","s17","s19"]}},"trustPoints":53,"grade":"D","confidence":84,"best":{"tier":"Premium","net":242.04000000000002,"pctOfSpend":2.017,"lines":[{"label":"Rewards you can spend","usd":576,"note":"$720 paid in a volatile token, counted at 80%"},{"label":"Subscription","usd":-249.95999999999998},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-36},{"label":"Fees on every purchase","usd":-48},{"label":"Cost of locked money","usd":0}]},"score":81,"website":"https://www.tria.so","inactive":false},{"slug":"kast","name":"KAST Card","brand":"KAST","checked":"2026-11-05","summary":"KAST is a Singapore-run stablecoin neobank with a USD account and Visa cards (Platinum on the free Standard tier, Infinite on paid tiers) that run as credit cards secured by your deposited balance. Since the May 2026 restructure, cashback is 1.5% / 2% / 3% in USD on capped monthly spend by membership tier ($0 / $1,000 / $10,000 per year), and ATM withdrawals cost $3 + 2%.","company":{"legal_entity":{"v":"KAST Tech (Reg. No. 16223), Anjouan, Union of Comoros; app published on iOS by Troia Limited; local entity KAST Brasil for Brazil from Oct-16, 2026","src":["s7","s8","s27","s38"],"note":"Terms governed by Seychelles law, arbitration seated in Singapore"},"hq_country":{"v":"Singapore","src":["s31"],"note":"Leadership based in Singapore per press; the legal entity is registered in Comoros"},"founded":{"v":"2024-07","src":["s30"],"note":"Founders: Raagulan Pathy (CEO, ex-Circle) and Daniel Bertoli per press"},"funding_raised_usd":{"v":80000000,"src":["s30"],"note":"$80M Series A announced Mar-2026; cumulative total not stated; reported $600M valuation (Bloomberg, unconfirmed)"},"investors":{"v":["QED Investors (co-lead)","Left Lane Capital (co-lead)","Peak XV Partners","HSG","DST Global Partners"],"src":["s30"]},"website":{"v":"https://kast.xyz","src":["s41"]},"x_handle":{"v":"@KASTxyz","src":["s41"]},"telegram":{"v":"https://t.me/KASTCommunity","src":["s41"]}},"issuer":{"name":{"v":null,"note":"Not published; terms name only unnamed 'Partners' (a banking partner issues the card; app shows 'Country of Bank/Issuer')"},"program_manager":{"v":"KAST Tech","src":["s7","s8"],"note":"KAST states it is a fintech, not a bank; cards, custody and on/off-ramps come from unnamed licensed partners. Tazapay (payments) and BitGo (custody) named as examples"},"licences":{"v":null,"note":"No licence numbers published in the terms"},"regulator":{"v":null,"note":"No regulator named in the terms"},"card_network":{"v":"Visa","src":["s1","s2"]},"card_product_level":{"v":"Visa Platinum (Standard); Visa Infinite (Premium, Private)","src":["s1","s2"]}},"product":{"status":{"v":"live","src":["s2","s41"]},"launched":{"v":"2024-06","src":["s27"],"note":"App first released on the App Store Jun-25, 2024; card launch date itself not published"},"card_kind":{"v":"secured credit","src":["s13"],"note":"KAST calls all its cards credit cards with a credit line secured by the deposited balance; you spend from your balance and merchants see 'credit'"},"forms":{"v":["virtual","physical","metal"],"src":["s1","s2"],"note":"Metal on Premium and Private; gold-plated on Private"},"custody":{"v":"hybrid","src":["s7","s34"],"note":"Default: custodial (assets held by a custodian partner). Optional Self-Custody Mode holds the USD balance as USDC in a dedicated Solana Privy wallet"},"custody_detail":{"v":"Terms say transferred assets are sold to KAST and held by a custodian on behalf of KAST; Self-Custody Mode (KAST Personal accounts where enabled) keeps the balance in a segregated Solana wallet, KAST pays gas","src":["s7","s34"],"note":"Terms wording drew criticism in press (s49)"},"kyc_level":{"v":"tiered","src":["s19"],"note":"Level 1 basic account; Level 2 ID + liveness unlocks cards and core features; Level 3 proof of address + enhanced checks unlocks USD account and global payouts"},"kyc_documents":{"v":["Government photo ID (passport, national ID or driver's licence)","Selfie / liveness check","Proof of address (for level 3)","Source of funds documents if requested"],"src":["s19","s20"]},"kyc_time":{"v":"Usually within minutes, up to 24 hours in some cases","src":["s20"],"note":"Trustpilot reviewers report long holds on some accounts"},"min_age":{"v":18,"src":["s45"]},"settlement_currency":{"v":"USD","src":["s3","s13"]},"card_currencies":{"v":["USD"],"src":["s3"],"note":"Balance and card are USD-denominated; non-USD purchases carry the FX fee"}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"],"note":"Free tier"},"price_annual":{"v":0,"src":["s1"]},"issuance_virtual":{"v":"2 free cards (virtual or physical) included; extra Standard virtual card $2","src":["s1","s3","s44"],"note":"In some regions a $2 issuance fee applies to Standard virtual cards, including the included ones. Max 10 cards per account"},"issuance_physical":{"v":"$0 card fee + $40 delivery fee","src":["s3","s25"],"note":"Premium plastic, Visa Platinum"},"shipping":{"v":40,"src":["s1","s25"],"note":"USD delivery fee per physical Standard card. Delivery: 7-10 business days per cards page; help center says 7-21 business days for international orders"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"Membership page lists no staking requirement"},"other_requirements":{"v":"Verified KAST account (KYC level 2: government ID and liveness check)","src":["s19"]},"cashback_rate":{"v":1.5,"src":["s1","s3","s10"],"note":"USD cashback on eligible purchases, up to the monthly eligible-spend cap"},"cashback_asset":{"v":"USD cashback (credited to rewards balance, redeemed into card balance)","src":["s10","s11"],"note":"Cannot be withdrawn or transferred out; applied first to next eligible card purchase"},"cashback_cap_monthly":{"v":30,"src":["s1","s3"],"note":"Derived: 1.5% x $2,000 monthly eligible-spend cap. Cap is on eligible spend ($2,000/month), not on cashback itself"},"cashback_eligible_spend":{"v":"All eligible Visa purchases up to $2,000 per month","src":["s1","s12"],"note":"Eligibility set by merchant category code (MCC)"},"cashback_exclusions":{"v":["ATM withdrawals","cash advances","money transfers and transfer-like transactions","quasi-cash","fees and charges","refunded, reversed, cancelled or disputed purchases","gambling","government payments","insurance premiums","financial services and brokerage MCCs"],"src":["s12","s6"],"note":"MCC list in rewards terms Schedule A (about 90 codes); KAST may add exclusions without notice"},"cashback_vesting":{"v":"Locked for a 14-day timelock, then manually redeemed in the app; clawed back if the purchase is refunded or charged back","src":["s6","s11"],"note":"Redeemed cashback is not clawed back"},"points_program":{"v":"none","src":["s1","s3"],"note":"Standard earns no KAST Points"},"fx_fee":{"v":"0.5-1.75","src":["s3","s5"],"note":"Percent on non-USD purchases; exact rate depends on residence country, merchant country and card program, shown in app. Same for all tiers. LATAM promo credits back FX fee (see regional). Measured: about 1.84% in a real PLN payment, slightly above the top of the published range (see tests)"},"crypto_conversion_fee":{"v":0,"src":["s3"],"note":"Supported stablecoin deposits convert to USD 1:1 with 0% spread; non-stablecoin tokens auto-convert with a token-specific fee shown before confirming"},"topup_fee":{"v":0,"src":["s3"],"note":"Card top-up fee 0%; fiat bank deposit fees apply separately (ACH $2, Fedwire $15, SWIFT $30, SEPA 0.5%)"},"atm_free_monthly":{"v":null,"note":"No free ATM allowance listed; fee applies to every withdrawal"},"atm_fee_pct":{"v":2,"src":["s3","s5"],"note":"On top of fixed fee; plus FX fee for non-USD withdrawals; ATM operators may add their own fee"},"atm_fee_fixed":{"v":3,"src":["s3","s5"],"note":"USD per withdrawal"},"atm_limit_daily":{"v":1500,"src":["s3","s4"],"note":"Max 3 withdrawals per rolling 24h, up to $500 each. CONFLICT: kast.xyz/en/cards and an older help article say $250 per withdrawal and $750 per 24h"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_daily":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_monthly":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_annual":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"inactivity_fee":{"v":1,"src":["s7"],"note":"USD per month, charged in virtual assets after 12 months with no transactions, only against available balance"},"decline_fee":{"v":0.5,"src":["s3","s18"],"note":"USD fee when a transaction is declined for insufficient balance"},"perks":{"v":["Visa Platinum card (premium plastic)","24/7 in-app support","Card designs: K Card, Solana Card, Bitcoin Card, Pengu Card"],"src":["s1","s3","s36"]},"reserve_reward_rate_pct":{"v":8,"src":["s9"],"note":"Reserve Reward promo rate, % per year; no individual cap stated. Promotional, not interest"}},{"name":"Premium","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"No monthly billing option; billed annually upfront"},"price_annual":{"v":1000,"src":["s1","s44"],"note":"Billed upfront for 12 months; 30-day notice before renewal charge"},"issuance_virtual":{"v":"1 Premium card included (virtual and physical) plus the Standard allowance (2 cards)","src":["s1","s3","s39"],"note":"Extra Premium cards via Concierge, price quoted on request"},"issuance_physical":{"v":"Included in membership","src":["s1","s3","s44"],"note":"Premium metal card"},"shipping":{"v":0,"src":["s1","s44"],"note":"Physical Premium cards are included"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"Membership page lists no staking requirement"},"other_requirements":{"v":"Verified KAST account plus $1,000 annual membership","src":["s1","s19"]},"cashback_rate":{"v":2,"src":["s1","s3","s10"],"note":"USD cashback on eligible purchases, up to the monthly eligible-spend cap"},"cashback_asset":{"v":"USD cashback (credited to rewards balance, redeemed into card balance)","src":["s10","s11"],"note":"Cannot be withdrawn or transferred out; applied first to next eligible card purchase"},"cashback_cap_monthly":{"v":200,"src":["s1","s3"],"note":"Derived: 2% x $10,000 monthly eligible-spend cap. Cap is on eligible spend ($10,000/month), not on cashback itself"},"cashback_eligible_spend":{"v":"All eligible Visa purchases up to $10,000 per month","src":["s1","s12"],"note":"Eligibility set by merchant category code (MCC)"},"cashback_exclusions":{"v":["ATM withdrawals","cash advances","money transfers and transfer-like transactions","quasi-cash","fees and charges","refunded, reversed, cancelled or disputed purchases","gambling","government payments","insurance premiums","financial services and brokerage MCCs"],"src":["s12","s6"],"note":"MCC list in rewards terms Schedule A (about 90 codes); KAST may add exclusions without notice"},"cashback_vesting":{"v":"Locked for a 14-day timelock, then manually redeemed in the app; clawed back if the purchase is refunded or charged back","src":["s6","s11"],"note":"Redeemed cashback is not clawed back"},"points_program":{"v":"1% of eligible spend as KAST Points","src":["s1","s3","s10","s51"],"note":"KAST Points earning ends Nov-30, 2026; Points convert to KAST Pioneer Units in the first week of Dec-2026 (some users get spend vouchers instead). Points are not cash and have no guaranteed value"},"fx_fee":{"v":"0.5-1.75","src":["s3","s5"],"note":"Percent on non-USD purchases; exact rate depends on residence country, merchant country and card program, shown in app. Same for all tiers. LATAM promo credits back FX fee (see regional). Measured: about 1.84% in a real PLN payment, slightly above the top of the published range (see tests)"},"crypto_conversion_fee":{"v":0,"src":["s3"],"note":"Supported stablecoin deposits convert to USD 1:1 with 0% spread; non-stablecoin tokens auto-convert with a token-specific fee shown before confirming"},"topup_fee":{"v":0,"src":["s3"],"note":"Card top-up fee 0%; fiat bank deposit fees apply separately (ACH $2, Fedwire $15, SWIFT $30, SEPA 0.5%)"},"atm_free_monthly":{"v":null,"note":"No free ATM allowance listed; fee applies to every withdrawal"},"atm_fee_pct":{"v":2,"src":["s3","s5"],"note":"On top of fixed fee; plus FX fee for non-USD withdrawals; ATM operators may add their own fee"},"atm_fee_fixed":{"v":3,"src":["s3","s5"],"note":"USD per withdrawal"},"atm_limit_daily":{"v":1500,"src":["s3","s4"],"note":"Max 3 withdrawals per rolling 24h, up to $500 each. CONFLICT: kast.xyz/en/cards and an older help article say $250 per withdrawal and $750 per 24h"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_daily":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_monthly":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_annual":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"inactivity_fee":{"v":1,"src":["s7"],"note":"USD per month, charged in virtual assets after 12 months with no transactions, only against available balance"},"decline_fee":{"v":0.5,"src":["s3","s18"],"note":"USD fee when a transaction is declined for insufficient balance"},"perks":{"v":["Premium metal card; Visa Infinite","Card designs: X Card, Solana Illuma (logo lights up on tap), Bitcoin Black, Pengu Black","Visa Infinite benefits via Visa Benefits Portal: travel accident insurance (up to $1.5M), trip cancellation and delay cover, lost luggage ($3,000) and baggage delay ($600) cover, auto rental damage waiver","Purchase protection ($20,000), extended warranty ($25,000), price protection ($4,000)","Visa Infinite Concierge, Visa Luxury Hotel Collection (900+ hotels), discounted airport lounge access via Visa Airport Companion, free GigSky eSIM data","24/7 in-app support"],"src":["s1","s3","s36"]},"reserve_reward_rate_pct":{"v":10,"src":["s9"],"note":"Up to 10% on Reserve balance up to $50,000; excess earns the 8% Standard rate. Promotional"}},{"name":"Private","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"No monthly billing option; billed annually upfront"},"price_annual":{"v":10000,"src":["s1","s44"],"note":"Billed upfront for 12 months"},"issuance_virtual":{"v":"1 plated Gold card plus 2 cards from any other tier included","src":["s1","s3","s39"],"note":"Extra Private cards via Concierge, price quoted on request"},"issuance_physical":{"v":"Included in membership","src":["s1","s3","s44"],"note":"24k gold-plated metal card (e.g. Solana Gold, KAST Gold, Pengu Gold)"},"shipping":{"v":0,"src":["s1","s44"],"note":"Physical Private cards are included"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"Membership page lists no staking requirement"},"other_requirements":{"v":"Verified KAST account plus $10,000 annual membership","src":["s1","s19"]},"cashback_rate":{"v":3,"src":["s1","s3","s10"],"note":"USD cashback on eligible purchases, up to the monthly eligible-spend cap"},"cashback_asset":{"v":"USD cashback (credited to rewards balance, redeemed into card balance)","src":["s10","s11"],"note":"Cannot be withdrawn or transferred out; applied first to next eligible card purchase"},"cashback_cap_monthly":{"v":1200,"src":["s1","s3"],"note":"Derived: 3% x $40,000 monthly eligible-spend cap. Cap is on eligible spend ($40,000/month), not on cashback itself"},"cashback_eligible_spend":{"v":"All eligible Visa purchases up to $40,000 per month","src":["s1","s12"],"note":"Eligibility set by merchant category code (MCC)"},"cashback_exclusions":{"v":["ATM withdrawals","cash advances","money transfers and transfer-like transactions","quasi-cash","fees and charges","refunded, reversed, cancelled or disputed purchases","gambling","government payments","insurance premiums","financial services and brokerage MCCs"],"src":["s12","s6"],"note":"MCC list in rewards terms Schedule A (about 90 codes); KAST may add exclusions without notice"},"cashback_vesting":{"v":"Locked for a 14-day timelock, then manually redeemed in the app; clawed back if the purchase is refunded or charged back","src":["s6","s11"],"note":"Redeemed cashback is not clawed back"},"points_program":{"v":"2% of eligible spend as KAST Points","src":["s1","s3","s10","s51"],"note":"KAST Points earning ends Nov-30, 2026; Points convert to KAST Pioneer Units in the first week of Dec-2026 (some users get spend vouchers instead). Points are not cash and have no guaranteed value"},"fx_fee":{"v":"0.5-1.75","src":["s3","s5"],"note":"Percent on non-USD purchases; exact rate depends on residence country, merchant country and card program, shown in app. Same for all tiers. LATAM promo credits back FX fee (see regional). Measured: about 1.84% in a real PLN payment, slightly above the top of the published range (see tests)"},"crypto_conversion_fee":{"v":0,"src":["s3"],"note":"Supported stablecoin deposits convert to USD 1:1 with 0% spread; non-stablecoin tokens auto-convert with a token-specific fee shown before confirming"},"topup_fee":{"v":0,"src":["s3"],"note":"Card top-up fee 0%; fiat bank deposit fees apply separately (ACH $2, Fedwire $15, SWIFT $30, SEPA 0.5%)"},"atm_free_monthly":{"v":null,"note":"No free ATM allowance listed; fee applies to every withdrawal"},"atm_fee_pct":{"v":2,"src":["s3","s5"],"note":"On top of fixed fee; plus FX fee for non-USD withdrawals; ATM operators may add their own fee"},"atm_fee_fixed":{"v":3,"src":["s3","s5"],"note":"USD per withdrawal"},"atm_limit_daily":{"v":1500,"src":["s3","s4"],"note":"Max 3 withdrawals per rolling 24h, up to $500 each. CONFLICT: kast.xyz/en/cards and an older help article say $250 per withdrawal and $750 per 24h"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_daily":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_monthly":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"spend_limit_annual":{"v":"No fixed limit","src":["s3","s4"],"note":"Spend is limited by available balance; very large transactions may get a compliance review"},"inactivity_fee":{"v":1,"src":["s7"],"note":"USD per month, charged in virtual assets after 12 months with no transactions, only against available balance"},"decline_fee":{"v":0.5,"src":["s3","s18"],"note":"USD fee when a transaction is declined for insufficient balance"},"perks":{"v":["Gold-plated metal card; Visa Infinite","VIP Concierge and VIP access at KAST events","Card designs: Solana Gold, KAST Gold, Pengu Gold","Visa Infinite benefits via Visa Benefits Portal: travel accident insurance (up to $1.5M), trip cancellation and delay cover, lost luggage ($3,000) and baggage delay ($600) cover, auto rental damage waiver","Purchase protection ($20,000), extended warranty ($25,000), price protection ($4,000)","Visa Infinite Concierge, Visa Luxury Hotel Collection (900+ hotels), discounted airport lounge access via Visa Airport Companion, free GigSky eSIM data","24/7 support (VIP concierge)"],"src":["s1","s3","s36"]},"reserve_reward_rate_pct":{"v":12,"src":["s9"],"note":"Up to 12% on Reserve balance up to $200,000; excess earns the 8% Standard rate. Promotional"}}],"funding":{"crypto_assets":{"v":["USDT","USDC","PYUSD","RLUSD","BTC","ETH","SOL","XRP","BNB","TRX","XLM","CRO","LINK","UNI","AAVE","ARB","POL","PENGU"],"src":["s16","s17"],"note":"Stablecoins credit 1:1; other tokens (list is longer) auto-convert to stablecoins with a fee shown in app"},"chains":{"v":["Solana","Ethereum","Tron","Polygon","BNB Smart Chain","Arbitrum","Avalanche C-Chain","TON","Base","Stellar","Optimism","Sonic","XRP Ledger","Bitcoin"],"src":["s16","s17"],"note":"Withdrawals are narrower: USDC on Solana/Ethereum/Arbitrum, USDT on Solana/Ethereum/Tron"},"fiat_topup":{"v":["ACH","Fedwire","SWIFT","SEPA","local rails via virtual accounts (e.g. PIX, SPEI, COP)"],"src":["s3","s43","s46"],"note":"USD virtual account needs level 3 verification and is not available in all countries"},"deposit_fees":{"v":"Stablecoins 0% (plus network fee); ACH $2; Fedwire $15; SWIFT $30; SEPA 0.5%; non-stablecoin tokens vary by token","src":["s3"]},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"USD balance after 1:1 stablecoin conversion (or USDC in a dedicated Solana wallet in Self-Custody Mode); redeemed cashback is used first","src":["s3","s11","s34"]}},"payments":{"apple_pay":{"v":true,"src":["s14"],"note":"Depends on country of residence registered with KAST; long list incl. US, UK, EU, LATAM, Gulf, Japan, Singapore; not on your current location"},"google_pay":{"v":true,"src":["s13","s15"]},"samsung_pay":{"v":false,"src":["s15"],"note":"Not supported; KAST says it is working on it"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s13"],"note":"Tap, insert or signature; select 'Credit' at terminals"},"online_subscriptions":{"v":true,"src":["s18"],"note":"Works for Netflix, Spotify, Microsoft 365, Adobe etc.; failed charge for low balance costs $0.50"},"restricted_mccs":{"v":null,"note":"Cashback exclusions are published (see tiers), but blocked merchant categories for payment are not"}},"availability":{"regions":{"v":["Global (supported-country list shown in app during sign-up)","LATAM","Middle East","APAC","Europe","North America"],"src":["s21","s41"],"note":"Card accepted at 150M+ merchants in 170+ countries (Visa acceptance, not the same as where you can sign up)"},"countries_supported_count":{"v":null,"note":"Official list not published; homepage says '170+ countries' for card acceptance"},"countries_supported":{"v":null,"note":"Shown only in the app country dropdown"},"countries_excluded":{"v":null,"note":"Official list not published; sanctioned and unsupported countries blocked at KYC"},"us_available":{"v":true,"src":["s14","s43"],"note":"Inferred: US-resident accounts can use Apple Pay and USD virtual accounts exist; KAST named a US General Manager Aug-11, 2026"},"uk_available":{"v":true,"src":["s14"],"note":"Inferred from UK being on the Apple Pay residence list"},"eea_available":{"v":true,"src":["s14","s3"],"note":"Inferred from EEA countries on the Apple Pay list and SEPA deposits"}},"account_features":{"iban":{"v":null,"note":"EUR virtual account details for SEPA are offered; whether they are IBANs in the user's name is not stated"},"local_accounts":{"v":["USD virtual account (ACH, Fedwire, SWIFT)","EUR virtual account (SEPA)"],"src":["s41","s43"]},"p2p_transfers":{"v":"KAST Tag transfers: free, instant, $10,000 daily max, 5 transfers per day","src":["s3"]},"crypto_to_bank_payouts":{"v":true,"src":["s3"],"note":"30+ payout currencies; fees e.g. USD ACH $1 / wire $15 + 0.08%, SWIFT $35, most local currencies $2 + 1% FX"},"yield_on_balance":{"v":8,"src":["s9","s8"],"note":"Reserve Rewards (promotional, not interest): 8% Standard, up to 10% Premium, up to 12% Private. CONFLICT on end date: help center says boosted rate to Jun-30, 2027 or $100M deposits; terms say promo to Dec-31, 2026; homepage says opening rate steps down to 4-8% from Jan-2027"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s3","s41"],"note":"30+ payout currencies; USD and EUR receiving accounts; balance held in USD"},"other":{"v":["KAST Pay and payment links","KAST Tag","Solana staking with KAST validator","Self-Custody Mode"],"src":["s46","s34"]}},"security":{"card_freeze":{"v":true,"src":["s46"],"note":"Help center article 'How Do I Freeze or Unfreeze My KAST Card?'"},"two_factor":{"v":true,"src":["s35"],"note":"MFA plus OTP; Google Authenticator 2FA setup article exists"},"biometrics":{"v":true,"src":["s35"],"note":"Face ID / fingerprint login where supported"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Reserve Account explicitly not deposit-insured; no balance insurance published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/kast-global-usd-account/id6479701765","src":["s27"]},"ios_rating":{"v":3.98,"src":["s27"],"note":"US storefront, version 3.35.0 released Oct-22, 2026"},"ios_rating_count":{"v":282,"src":["s27"],"note":"US storefront only; another aggregator showed 2,285 reviews across storefronts in May 2026"},"android_url":{"v":"https://play.google.com/store/apps/details?id=com.kastfinance.app","src":["s28"]},"android_rating":{"v":3.8,"src":["s28"],"note":"3.796 from 3,210 ratings"},"android_installs":{"v":"500K+","src":["s28"]},"languages":{"v":["English","Spanish","Chinese","Turkish","Portuguese"],"src":["s22"],"note":"Support also in Arabic; App Store listing shows English only"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["In-app Concierge chat","Email","Help Center (concierge.kast.xyz)"],"src":["s20","s46"]},"support_hours":{"v":"24/7 (Standard, Premium); VIP concierge for Private","src":["s3"],"note":"Trustpilot reviewers describe slow replies"}},"reputation":{"trustpilot_score":{"v":2.6,"src":["s29"],"note":"Rated 'Poor'; 36% 5-star, 59% 1-star. Other regional snapshots showed 2.5-3.2"},"trustpilot_reviews":{"v":253,"src":["s29"],"note":"216 in last 12 months; earlier snapshots 113-176"},"common_complaints":{"v":["Deposits held under review (SEPA, ACH, PayPal)","Accounts restricted or closed without clear reason","Repeated KYC/source-of-funds requests","Slow generic support","Chargebacks refused","Physical card not delivered","Referral rewards not released","Points converting to equity-like instrument instead of a token"],"src":["s29","s40"]},"common_praise":{"v":["Easy for first-time crypto users","Fast transfers and deposits","Cashback","Quick support in some cases"],"src":["s29"]}},"adoption":{"users_claimed":{"v":"1,000,000+ (Mar-2026); homepage says 'trusted by millions'","src":["s30","s41"],"note":"Company claim; ~$5B annualised transaction volume claimed"},"onchain_spend_all_time_usd":{"v":969800000,"src":["s33"],"note":"On-chain tracked; DefiLlama estimates KAST card volume from MOVE cashback distributions, which were retired in May 2026, so recent figures may undercount (unverified)"},"onchain_spend_last_month_usd":{"v":121000000,"src":["s33"],"note":"Oct-2026 on-chain total per Paymentscan; Nov-2026 month to date $15.78M on Nov-05"}},"incidents":[{"date":"2026-05","type":"fee change","summary":"Rewards restructure: per-card subscriptions replaced by account-level Standard/Premium/Private memberships, USD cashback (1.5/2/3%) launched May-06, Season 5 points and $MOVE cashback retired, Founders card closed to new buyers (latter per secondary source).","src":["s32","s48","s39"]},{"date":"2026-07","type":"fee change","summary":"KAST dropped plans for a points token and said points would convert to an equity-linked structure or cash alternative (see Nov-2026 entry for the final plan).","src":["s40"]},{"date":"2026-08","type":"fee change","summary":"USD Reserve Account launched Aug-20 with promotional Reserve Rewards of 8-12%; help centre says the boosted period ends Jun-30, 2027 or when Reserve deposits reach $100 million, while kast.xyz says Jul-1, 2027.","src":["s8","s9","s41","s52"]},{"date":"2026-10","type":"regulatory","summary":"All Brazilian users migrated to local entity KAST Brasil on Oct-16; accounts without CPF are withdrawal-only.","src":["s38"]},{"date":"2026-10","type":"outage","summary":"Help center lists MNX deposits/withdrawals temporarily paused (Oct-13) and JOD/JPY payouts temporarily unavailable (Oct-02).","src":["s46"]},{"date":"2026-11","type":"fee change","summary":"KAST Points earning ends Nov-30, 2026; no token launch, Points convert to KAST Pioneer Units (issued by a linked SPV) in the first week of Dec-2026, ineligible users get spend vouchers; cashback continues.","src":["s51"]},{"date":"2026-10","type":"other","summary":"KAST added an optional Self-Custody Mode (balance held as USDC in a dedicated Solana wallet on Privy), after public criticism that its terms transfer ownership of deposited crypto to KAST.","src":["s54","s34"]}],"referral":{"user_referral_program":{"v":"Referrer earns up to $50 at $600 cumulative referred spend and up to $100 total at $1,600, plus $100 for a referred Premium and $1,000 for a referred Private subscription; referred friend gets 10% off first membership","src":["s23"],"note":"Rewards locked 14 days; amounts vary by referral's country"},"affiliate_program":{"v":true,"src":["s47"],"note":"Approved affiliates only; 5 levels by active referrals (5 / 50 / 100 / 500)"},"affiliate_url":{"v":"https://affiliate.kast.xyz/auth","src":["s47"],"note":"Application via the KAST Affiliate Program page"},"affiliate_terms":{"v":"Per referral: spend milestones up to $100-200 ($600/$1,600 spend), one-time subscription commission $100-200 (Premium) or $1,000-2,000 (Private), ongoing 0.20-0.50% of the referral's card spend; referral gets 20% off first membership","src":["s24"],"note":"Varies by affiliate tier and referral country"}},"regional":[{"region":"LATAM (16 currencies)","field":"tiers[0].fx_fee","v":0,"src":["s37"]},{"region":"Brazil","field":"product.status","v":"KAST Brasil entity since Oct-16, 2026; CPF required","src":["s38"]}],"extra":[{"key":"max_cards","label":"Maximum cards per account","v":10,"src":["s3"]},{"key":"atm_per_withdrawal","label":"ATM per-withdrawal cap","v":"$500 (help center, Oct-2026); $250 on kast.xyz/en/cards and older FAQ","src":["s3","s4","s2","s5"]},{"key":"small_tx_fee_non_usd","label":"Small transaction fee, non-USD","v":"$0.10 on non-USD transactions under $25 (USD small transactions free)","src":["s3"]},{"key":"stablecoin_withdrawal_fees","label":"Stablecoin withdrawal fees","v":"Solana $1 + 0.1%; Arbitrum $0.20 + 0.1%; Ethereum $6 + 0.1%; Tron $5 + 0.1%; minimum $5","src":["s3"]},{"key":"account_limits","label":"Account deposit and balance limits","v":"Unlimited (subject to compliance)","src":["s3"]},{"key":"user_set_limits","label":"User-set limits","v":"Card, bank and on-chain limits settable in app","src":["s4"]},{"key":"reserve_account","label":"USD Reserve Account","v":"Internal sub-account for funding card spend; Reserve Rewards are discretionary promotional rewards, not interest, can go to 0%; minimum transfer $2; not deposit-insured","src":["s8","s9"]},{"key":"membership_terms","label":"Membership billing","v":"12 months upfront; renewal prompt ~30 days before; 7-day grace on failed auto-renew then reverts to Standard; upgrading starts new 12-month cycle with no carry-over","src":["s44"]},{"key":"cards_still_work","label":"After paid membership ends","v":"Cards keep working on Standard; only benefits change","src":["s1"]},{"key":"cashback_in_terms_ai_card","label":"Separate 'AI Card' cashback schedule","v":"Rewards terms Schedule B lists 10% on first $1,000, 5% to $10,000, 3% to $50,000 for 'AI Cards' (no KAST Points); cap $50,000/month. Not the standard card; applicability unclear","src":["s6"]},{"key":"card_activation","label":"Card activation and dormancy","v":"Cards not activated within 3 months may be closed; account deactivation possible after 6 months inactivity","src":["s7"]},{"key":"dispute_window","label":"Dispute window","v":"90 days from transaction date","src":["s7"]},{"key":"visa_infinite_limits","label":"Visa Infinite benefit limits","v":"Price protection $4,000; purchase protection $20,000; extended warranty $25,000; travel accident insurance $1,500,000; lost luggage $3,000; baggage delay $600","src":["s36"]},{"key":"mobile_wallet_policy","label":"Apple Pay country basis","v":"Based on country of residence registered with KAST, not current location","src":["s14"]},{"key":"physical_card_delivery","label":"Physical card delivery","v":"7-10 business days (cards page); standard 3-7, express 1-3, international 7-21 business days (help center)","src":["s2","s26"]},{"key":"paymentscan_oct_mtd","label":"Oct-2026 month-to-date on-chain spend","v":"$92.57M as of Oct-25, 2026","src":["s33"]},{"key":"press_controversy","label":"Terms of service controversy","v":"Public feud between ether.fi CEO and KAST CEO over card fees escalated into criticism of how KAST handles customer deposits (date not captured)","src":["s49"]},{"key":"legacy_tier_names","label":"Legacy tier names","v":"Older material uses Limited (Founders Card, $5,000 one-time) and Luxe ($10,000/yr) tiers and KAST Points rates of 1/3/5%; superseded by the May 2026 membership model","src":["s42","s48"]},{"key":"reserve_end_conflict","label":"Reserve promo end-date conflict","v":"kast.xyz/membership says Jul-01, 2027; help center says Jun-30, 2027; reserve terms say Dec-31, 2026; homepage news says step-down to 4-8% from Jan-2027","src":["s1","s8","s9","s41"]},{"key":"terms_jurisdiction","label":"Governing law","v":"Seychelles law; SIAC arbitration seated in Singapore; one account per user","src":["s7"]},{"key":"summer_sale_2026","label":"Summer promo (ended)","v":"5% cashback on Shopping, Dining and Travel, Aug-13 to Sep-30, 2026, max $100 per person, by merchant category code","src":["s55"]},{"key":"points_end","label":"KAST Points end date","v":"Earning ends Nov-30, 2026; conversion to KAST Pioneer Units in the first week of Dec-2026","src":["s51"]}],"sources":[{"id":"s1","url":"https://kast.xyz/en/membership","title":"KAST Memberships page","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://kast.xyz/en/cards","title":"KAST Crypto Card page","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://concierge.kast.xyz/hc/en-us/articles/9850062738703","title":"Help Center: What Are the Fees and Conditions for KAST Cards and Accounts? (updated Oct-22, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://concierge.kast.xyz/hc/en-us/articles/11290428597647","title":"Help Center: Daily Spending and ATM Withdrawal Limits (updated Oct-17, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://concierge.kast.xyz/hc/en-us/articles/15045161518351","title":"Help Center: Can I Withdraw Cash With a KAST Card? (updated Aug-09, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://kast.xyz/en/legal/rewards-program-terms-and-conditions","title":"Rewards Program Terms and Conditions (effective Apr-29, 2026)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s7","url":"https://kast.xyz/en/legal/terms-and-conditions-of-service","title":"Terms and Conditions of Service","publisher":"issuer","accessed":"2026-10-25"},{"id":"s8","url":"https://kast.xyz/en/legal/kast-usd-reserve-account","title":"USD Reserve Account terms (effective Aug-20, 2026)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s9","url":"https://concierge.kast.xyz/hc/en-us/articles/16993157964431","title":"Help Center: Reserve Reward Rates and Membership Comparison","publisher":"issuer","accessed":"2026-10-25"},{"id":"s10","url":"https://concierge.kast.xyz/hc/en-us/articles/15806668917519","title":"Help Center: How Do Cashback Rewards Work on KAST?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://concierge.kast.xyz/hc/en-us/articles/15806559920527","title":"Help Center: How Do I Redeem My KAST Cashback?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s12","url":"https://concierge.kast.xyz/hc/en-us/articles/17004732523663","title":"Help Center: Which Purchases Earn Cashback on KAST? (MCCs and exclusions)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s13","url":"https://concierge.kast.xyz/hc/en-us/articles/15043176480143","title":"Help Center: Is My KAST Card a Debit or Credit Card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s14","url":"https://concierge.kast.xyz/hc/en-us/articles/17565974041103","title":"Help Center: Apple Pay Availability for KAST Cards","publisher":"issuer","accessed":"2026-10-25"},{"id":"s15","url":"https://concierge.kast.xyz/hc/en-us/articles/11634548650127","title":"Help Center: Can I use my KAST card with Samsung Pay?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s16","url":"https://concierge.kast.xyz/hc/en-us/articles/13973209755663","title":"Help Center: What Tokens and Blockchains Does KAST Support?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s17","url":"https://concierge.kast.xyz/hc/en-us/articles/11784729022863","title":"Help Center: Which Stablecoins Are Supported on the KAST App?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s18","url":"https://concierge.kast.xyz/hc/en-us/articles/15844107618063","title":"Help Center: Can I Pay for Subscriptions With My KAST Card?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s19","url":"https://concierge.kast.xyz/hc/en-us/articles/14174809798287","title":"Help Center: How Do I Complete Identity Verification (KYC)?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s20","url":"https://concierge.kast.xyz/hc/en-us/articles/13929268414095","title":"Help Center: What Information Do I Need To Verify My KAST Account?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s21","url":"https://concierge.kast.xyz/hc/en-us/articles/13939999566095","title":"Help Center: Is the KAST Card Available in My Country?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s22","url":"https://concierge.kast.xyz/hc/en-us/articles/14261762389775","title":"Help Center: What Languages Are Available in the KAST App?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s23","url":"https://concierge.kast.xyz/hc/en-us/articles/15974559777679","title":"Help Center: How Does the KAST Referral Program Work? (updated Oct-22, 2026)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s24","url":"https://concierge.kast.xyz/hc/en-us/articles/10948018108687","title":"Help Center: What Rewards Can I Earn as a KAST Affiliate? (updated Oct-22, 2026)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s25","url":"https://concierge.kast.xyz/hc/en-us/articles/14812085370511","title":"Help Center: How Much Do Standard Physical KAST Cards Cost?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s26","url":"https://concierge.kast.xyz/hc/en-us/articles/13926810055951","title":"Help Center: When Will I Receive My KAST Card Order?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s27","url":"https://itunes.apple.com/lookup?id=6479701765&country=us","title":"Apple App Store lookup: KAST: Global USD Account (US storefront)","publisher":"app store","accessed":"2026-10-25"},{"id":"s28","url":"https://play.google.com/store/apps/details?id=com.kastfinance.app&hl=en&gl=us","title":"Google Play: KAST: Global USD Account","publisher":"app store","accessed":"2026-10-25"},{"id":"s29","url":"https://www.trustpilot.com/review/kast.xyz","title":"Trustpilot: KAST reviews","publisher":"trustpilot","accessed":"2026-10-25"},{"id":"s30","url":"https://fintech.global/2026/03/10/stablecoin-fintech-kast-raises-80m-series-a/","title":"Stablecoin FinTech KAST raises $80m Series A","publisher":"press","accessed":"2026-10-25"},{"id":"s31","url":"https://technode.global/2026/03/11/singapores-kast-raises-80m-in-series-a-funding-round-co-led-by-qed-investors-left-lane-capital/","title":"Singapore's KAST raises $80M in Series A","publisher":"press","accessed":"2026-10-25"},{"id":"s32","url":"https://stablecoininsider.org/kast-launches-usd-stablecoin-cashback-signaling-a-shift-beyond-points-based-rewards/","title":"KAST launches USD stablecoin cashback (May 6, 2026)","publisher":"press","accessed":"2026-10-25"},{"id":"s33","url":"https://paymentscan.xyz/cards/kast","title":"Paymentscan: KAST card on-chain spend","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s34","url":"https://concierge.kast.xyz/hc/en-us/articles/17613038201103","title":"Help Center: Self-Custody Mode: What it Means and How it Works","publisher":"issuer","accessed":"2026-10-25"},{"id":"s35","url":"https://concierge.kast.xyz/hc/en-us/articles/15844206213135","title":"Help Center: Is My Money Safe on KAST?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s36","url":"https://concierge.kast.xyz/hc/en-us/articles/15807226082575","title":"Help Center: What Are KAST V2 Infinite Cards and How Do I Get One?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s37","url":"https://concierge.kast.xyz/hc/en-us/articles/16852638436111","title":"Help Center: How Does KAST's LATAM 0% FX Fee Promotion Work?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s38","url":"https://concierge.kast.xyz/hc/en-us/articles/18023666774671","title":"Help Center: How does the KAST Brasil migration affect users in Brazil?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s39","url":"https://concierge.kast.xyz/hc/en-us/articles/15806136679695","title":"Help Center: What Are KAST Memberships and How Do They Work?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s40","url":"https://concierge.kast.xyz/hc/en-us/articles/17106193361295","title":"Help Center: What are KAST Points?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s41","url":"https://kast.xyz/en","title":"KAST homepage and news ticker","publisher":"issuer","accessed":"2026-10-25"},{"id":"s42","url":"https://www.kast.xyz/en/blog/learn/kast-cards-explained-tiers-rewards-fees-and-how-to-choose","title":"The complete guide to KAST Cards (Mar-05, 2026; pre-restructure, partly outdated)","publisher":"issuer","accessed":"2026-10-25"},{"id":"s43","url":"https://concierge.kast.xyz/hc/en-us/articles/17407756280847","title":"Help Center: USD Virtual Account: Availability, Requirements","publisher":"issuer","accessed":"2026-10-25"},{"id":"s44","url":"https://concierge.kast.xyz/hc/en-us/articles/15806471110671","title":"Help Center: How Much Do KAST Memberships Cost and What Fees Should I Expect?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s45","url":"https://concierge.kast.xyz/hc/en-us/articles/13928969685135","title":"Help Center: How Can I Verify My Age If I Was Flagged By Mistake?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s46","url":"https://concierge.kast.xyz/api/v2/help_center/en-us/articles.json","title":"Help Center article index (titles and update dates, Zendesk API)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s47","url":"https://concierge.kast.xyz/hc/en-us/articles/10947928283023","title":"Help Center: How Does the Affiliate Program Work?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s48","url":"https://vaultleap.com/blog/kast-card-fees-review-2026","title":"VaultLeap: KAST Card Fees & Limits Review (2026), via search summary","publisher":"other","accessed":"2026-10-25"},{"id":"s49","url":"https://thedefiant.io/news/cefi/kast-s-terms-of-service-draw-fire-after-public-feud-with-etherfi-ceo","title":"The Defiant: KAST's terms of service draw fire after public feud with ether.fi CEO (headline only)","publisher":"press","accessed":"2026-10-25"},{"id":"s50","url":"https://concierge.kast.xyz/hc/en-us/articles/13980432315535","title":"Help Center: Why Is My Country Restricted from Accessing KAST?","publisher":"issuer","accessed":"2026-10-25"},{"id":"s51","url":"https://concierge.kast.xyz/hc/en-us/articles/18196872344079","title":"The End of Points Earning and the Transition","publisher":"issuer","accessed":"2026-11-05"},{"id":"s52","url":"https://concierge.kast.xyz/hc/en-us/articles/16993041072783","title":"How Does the KAST Reserve Account Work?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s53","url":"https://concierge.kast.xyz/hc/en-us/articles/9487130567567","title":"Can I Use My KAST Card to Pay in Different Currencies?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s54","url":"https://t.me/bankandfintech/955","title":"Finek channel post, Oct-08, 2026: KAST self-custody mode","publisher":"community","accessed":"2026-11-05"},{"id":"s55","url":"https://t.me/bankandfintech/853","title":"Finek channel post, Aug-12, 2026: KAST summer sale","publisher":"community","accessed":"2026-11-05"}],"tests":[{"metric":"fx_markup","value":1.84,"text":"About 1.84% FX spread against the Google rate in a real in-store payment in PLN, excluding the $0.10 low-value fee; published range is 0.5-1.75%","tester":"Paymentscan","date":null,"src":["s33"]}],"trust":{"licence":{"points":5,"reason":"Legal entity KAST Tech is registered in Comoros. Terms name only unnamed partners as issuer.","src":["s7","s8"]},"custody":{"points":7,"reason":"Custodial by default; terms say deposited assets are sold to KAST and held by a custodian. Optional self-custody mode.","src":["s7","s34"]},"incidents":{"points":14,"reason":"No hacks found. Deposits held under review in complaints; rewards restructured in May 2026; Brazil users moved to a local entity; Points earning ends Nov-30, 2026.","src":["s29","s32","s38","s51"]},"track_record":{"points":10,"reason":"Launched 2024. $926M on-chain spend tracked by Paymentscan; 1M+ users claimed.","src":["s33","s30"]},"transparency":{"points":6,"reason":"Fees published and updated Oct-30, 2026, but ATM limits ($500 vs $250 per withdrawal) and promo end dates conflict across pages; measured FX (1.84% in PLN) is above the published 0.5-1.75% range.","src":["s20","s33"]},"support":{"points":4,"reason":"Trustpilot 2.6, 59% one-star. App Store 3.98, Google Play 3.8.","src":["s29","s27","s28"]}},"trustPoints":46,"grade":"D","confidence":95,"best":{"tier":"Standard","net":135.84,"pctOfSpend":1.1320000000000001,"lines":[{"label":"Rewards you can spend","usd":180},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-44.16},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":77,"website":"https://kast.xyz","inactive":false},{"slug":"binance","name":"Binance Card","brand":"Binance","checked":"2026-11-05","summary":"Binance runs a Mastercard debit card in Brazil (BRL, issued by Pomelo Instituição de Pagamento) and a USD Global Program in a few other countries; it spends crypto from the Binance exchange balance. The old EEA Visa card was closed in December 2023.","company":{"legal_entity":{"v":null,"note":"Binance entities differ by market; the card pages name none"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.binance.com/en/cards","src":["s9a"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Pomelo Instituição de Pagamento Ltda. (Brazil card)","src":["s1"],"note":"From the issuer's own overview page; it says the issuer differs by region and does not name the Global Program issuer"},"program_manager":{"v":"Binance","src":["s1"]},"licences":{"v":["Payment institution authorised by the Central Bank of Brazil"],"src":["s1"]},"regulator":{"v":"Central Bank of Brazil","src":["s1"]},"card_network":{"v":"Mastercard","src":["s1"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s1","s5"],"note":"Brazil card page updated Oct-19, 2026; Global Program FAQ updated Sep-21, 2026"},"launched":{"v":"2025-10","src":["s7"],"note":"Brazil relaunch per CardPilled; Binance FAQs are dated Sep-22, 2025"},"card_kind":{"v":"debit","src":["s7"],"note":"Described as prepaid/debit by third parties; the issuer pages do not state the kind"},"forms":{"v":["virtual","physical"],"src":["s1"]},"custody":{"v":"custodial","src":["s2"],"note":"Spends from Binance Funding, Spot and Flexible Earn balances, converted at payment"},"custody_detail":{"v":"Funds stay in the Binance exchange account until the moment of payment; spend order follows the user's payment priority list of 3 to 12 assets","src":["s2","s10"]},"kyc_level":{"v":"full","src":["s1"]},"kyc_documents":{"v":"National ID (RG/RNE), driver's licence (CNH), passport or resident's permit","src":["s1"]},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s1"],"note":"Page describes individual Binance users only"},"settlement_currency":{"v":"BRL","src":["s2"],"note":"Global Program settles in USD per Binance pages"},"card_currencies":{"v":["BRL","USD"],"src":["s2","s5"],"note":"BRL for Brazil, USD for the Global Program"}},"tiers":[{"name":"Brazil Card","currency":"BRL","is_default":true,"price_monthly":{"v":0,"src":["s3"],"note":"No monthly fee listed; annual fee is 0 BRL"},"price_annual":{"v":0,"src":["s3"]},"issuance_virtual":{"v":0,"src":["s3","s1"]},"issuance_physical":{"v":0,"src":["s3","s1"],"note":"Needs at least 10 USDT equivalent across Spot, Funding and Flexible Earn to order"},"shipping":{"v":"Free; delivery up to 14 days","src":["s1"]},"replacement_fee":{"v":null,"note":"Not published; only cancellation of a physical card is priced"},"staking_required":{"v":0,"src":["s4"],"note":"Cashback tier depends on monthly spend, not on holding BNB"},"other_requirements":{"v":"Full KYC with a Brazilian-issued ID or resident permit; Brazil residents","src":["s1"],"note":"Applicants from other countries qualify only if they meet the Brazil eligibility and KYC rules"},"cashback_rate":{"v":3,"src":["s4"],"note":"Since Jun-01, 2026: 1.5% under BRL 500 a month, 2% from BRL 500 to 5,000, 3% from BRL 5,000. The tier reached applies to the whole month's eligible spend"},"cashback_asset":{"v":"BRL","src":["s4"],"note":"Paid on the 10th of the next month; to the Spot Account from Sep-29, 2026 (Funding Account before)"},"cashback_cap_monthly":{"v":500,"src":["s4"],"note":"BRL 500 a month on the top tier; the lower tiers list no cap"},"cashback_eligible_spend":{"v":"Purchases paid with crypto; the BRL fiat part of a payment earns nothing","src":["s4"]},"cashback_exclusions":{"v":["ATM withdrawals and cash-like transactions","Payments to financial institutions, brokers and investment platforms","Government payments (taxes, fines, court costs)","Gambling","BRL balance portion of a payment"],"src":["s4"]},"cashback_vesting":{"v":"None; paid out on the 10th of the following month","src":["s4"]},"points_program":{"v":null,"note":"None found"},"fx_fee":{"v":1.5,"src":["s3"],"note":"Issuer states a range of 1% to 2% on non-BRL transactions and does not say what decides it; 1.5% is the midpoint. IOF tax and a conversion spread may also apply. No real-payment test found; SpendNode (s8) states 2%"},"crypto_conversion_fee":{"v":0.9,"src":["s3"],"note":"Crypto converted to BRL at payment; 0% with the U token in selected countries"},"topup_fee":{"v":0,"src":["s10"],"note":"No top-up: card spends from the Binance Funding and Spot accounts; direct top-ups from third-party providers are not supported"},"atm_free_monthly":{"v":"2 withdrawals","src":["s3"],"note":"Count, not money amount; then USD 1.50 each"},"atm_fee_pct":{"v":0,"src":["s3"]},"atm_fee_fixed":{"v":1.5,"src":["s3"],"note":"USD 1.50 per withdrawal after the 2 free ones each month"},"atm_limit_daily":{"v":3000,"src":["s3"],"note":"BRL 3,000 / 5,000 / 7,000 at KYC level 1 / 2 / 3; max 3 withdrawals a day"},"atm_limit_monthly":{"v":25000,"src":["s3"],"note":"BRL 25,000 at KYC level 1-2, 50,000 at level 3; max 30 withdrawals a month"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":25000,"src":["s3"],"note":"BRL 25,000 at every KYC level"},"spend_limit_monthly":{"v":50000,"src":["s3"],"note":"BRL 50,000 at KYC level 1-2, 150,000 at level 3"},"spend_limit_annual":{"v":200000,"src":["s3"],"note":"BRL 200,000 / 450,000 / 600,000 at KYC level 1 / 2 / 3"},"inactivity_fee":{"v":null,"note":"None listed in the fees article"},"decline_fee":{"v":null,"note":"None listed in the fees article"},"perks":{"v":["Apple Pay and Google Pay","Flexible Rate Loan against crypto via the Borrow option","Spending can draw on Flexible Earn balances","Card can be bound to Mercado Pago and 99Pay"],"src":["s2","s1"]}},{"name":"Global Program","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s5"],"note":"No monthly fee listed; annual fee is 0 USD"},"price_annual":{"v":0,"src":["s5"]},"issuance_virtual":{"v":0,"src":["s5"]},"issuance_physical":{"v":null,"note":"Physical card shown with shipping costs only"},"shipping":{"v":"USD 10 standard; USD 70 premium","src":["s5"]},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s5"],"note":"No staking requirement listed"},"other_requirements":{"v":"Verified Binance account in an eligible country; the page names no country list","src":["s6"],"note":"Binance support says the programme currently covers Colombia and Peru; other pages name Australia, Argentina and Mexico separately"},"cashback_rate":{"v":null,"note":"Not published by the issuer for this programme"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"None found"},"fx_fee":{"v":2,"src":["s5"],"note":"Standard country group; 0% in Colombia, Peru, some CIS countries and Armenia; 3% in New Zealand. On top of Mastercard fees"},"crypto_conversion_fee":{"v":0.9,"src":["s5"],"note":"USDC is 0.1% in the rest-of-world and New Zealand groups"},"topup_fee":{"v":null,"note":"Not published"},"atm_free_monthly":{"v":"2 withdrawals","src":["s5"],"note":"Physical cards; then USD 1.50 each"},"atm_fee_pct":{"v":0,"src":["s5"]},"atm_fee_fixed":{"v":1.5,"src":["s5"]},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":null,"note":"Limits are shown only in the app, by KYC level"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["U token payments: 0% FX and 0% conversion fee"],"src":["s5"]}}],"funding":{"crypto_assets":{"v":["USDT","USDC","FDUSD","BNB","BTC","ETH","SOL","ADA","LINK","XRP"],"src":["s2"]},"chains":{"v":null,"note":"Any network the exchange accepts for deposits; card pages name none"},"fiat_topup":{"v":null,"note":"Card pages name no fiat method beyond the exchange deposit"},"deposit_fees":{"v":0,"src":["s10"],"note":"No card top-up fee; deposits to the exchange have their own fees"},"min_deposit":{"v":"None to spend; 10 USDT equivalent in total to order a physical card","src":["s1"]},"spend_from":{"v":"Binance Funding and Spot accounts (and Flexible Earn) by payment priority, converted in real time","src":["s10","s2"],"note":"From Nov-04, 2026 Spot and Funding are the default accounts"}},"payments":{"apple_pay":{"v":true,"src":["s1"]},"google_pay":{"v":true,"src":["s2"],"note":"Overview page does not mention Google Pay"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s2"],"note":"Physical card"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":["Gambling (no cashback)"],"src":["s4"],"note":"Listed as cashback exclusion"}},"availability":{"regions":{"v":["Brazil","Global Program: selected countries (Colombia, Peru)"],"src":["s1","s6"]},"countries_supported_count":{"v":null,"note":"No published list"},"countries_supported":{"v":["BR"],"src":["s1"],"note":"Global Program: Binance support names Colombia and Peru; SpendNode also lists Australia, New Zealand and Peru"},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":false,"src":["s1"],"note":"Not in the listed markets"},"uk_available":{"v":false,"src":["s1"],"note":"Not in the listed markets"},"eea_available":{"v":false,"src":["s9","s8"],"note":"EEA card closed Dec 2023"}},"account_features":{"iban":{"v":null,"note":"None"},"local_accounts":{"v":null,"note":"None"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Spending can draw on Flexible Earn balances; rate not set by the card"},"crypto_loans":{"v":true,"src":["s1"],"note":"Flexible Rate Loan via the Borrow option"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":true,"src":["s1"]},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":null,"note":"Not published"},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":null,"note":"Not published"},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":null,"note":"Not published"},"onchain_spend_last_month_usd":{"v":null,"note":"Not published"}},"incidents":[{"date":"2023-12","type":"shutdown","summary":"The Binance Visa debit card was discontinued for all regions on Dec-20, 2023 (reported cause: the issuer stopped supporting the programme); accounts were not affected.","src":["s9","s8"]},{"date":"2026-06","type":"fee change","summary":"Brazil cashback tiers changed on Jun-01, 2026 to 1.5% / 2% / 3% with a BRL 500 cap; earlier ladder was 1% to 3% with a BRL 250 cap.","src":["s4"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"Colombia, Peru, some CIS, Armenia","field":"tiers[1].fx_fee","v":0,"src":["s5"]},{"region":"New Zealand","field":"tiers[1].fx_fee","v":3,"src":["s5"]}],"extra":[{"key":"u_token_fees","label":"U token payments","v":"0% FX fee and 0% crypto conversion fee when paying with the U token in selected countries; FX fee rebates returned in USDC","src":["s3","s5"]},{"key":"physical_cancel_fee","label":"Physical card cancellation (Brazil)","v":"BRL 30 within 1 year of issuance, free after","src":["s3"]},{"key":"iof_tax","label":"IOF tax (Brazil)","v":"Applies on international transactions; rate not stated by Binance","src":["s2","s3"]}],"tests":[],"sources":[{"id":"s1","url":"https://www.binance.com/en/support/faq/an-overview-of-the-binance-brazil-card-53e464e091ba40d39f88f5f62882166c","title":"Overview of the Binance Brazil Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://www.binance.com/en/support/faq/how-to-make-payments-with-binance-brazil-card-24866a142df34b6a8c1a038dedb5ed8b","title":"How to make payments with the Binance Brazil Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://www.binance.com/en/support/faq/detail/fcf23d4a605e48f69c069e12746e3808","title":"Binance Brazil Card Fees and Limits (updated Jun-02, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://www.binance.com/en/support/faq/3bccbd63d7ca4d1b9b70cbeb3e1dc48a","title":"How Does Binance Brazil Card Cashback Work? (updated Sep-25, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://www.binance.com/en/support/faq/f34b3138d61a4f79b594bb7290ac09b3","title":"Binance Card - Global Program: Fees and Limits (updated Sep-21, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://www.binance.com/en/support/faq/ffbec3c7ce7547eda323141ded2e385c","title":"Binance Card - Global Program: Eligibility and How to Order It","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://cardpilled.com/cards/binance-brazil","title":"CardPilled: Binance Brazil Card","publisher":"review","accessed":"2026-11-05"},{"id":"s8","url":"https://www.spendnode.io/crypto-cards/binance/","title":"SpendNode: Binance Crypto Cards Review 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s9","url":"https://cryptonoshi.com/product/binance-card/","title":"Cryptonoshi: Binance Card (Last Updated Apr-18, 2025)","publisher":"review","accessed":"2026-11-05"},{"id":"s10","url":"https://www.binance.com/en/support/faq/detail/d42661a4809148cfa71b29749273f13a","title":"How to Adjust the Source of Funding for My Binance Brazil Card (updated Oct-28, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9a","url":"https://www.binance.com/en/cards","title":"Binance Card page","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":12,"reason":"The Brazil card is issued by Pomelo Instituição de Pagamento, a payment institution authorised by the Central Bank of Brazil. The Global Program issuer is not named and no card licence is stated for Binance itself.","src":["s1"]},"custody":{"points":7,"reason":"Fully custodial: card spending draws on the Binance exchange balances, converted at payment. No self-custody option or published protections for the card.","src":["s2","s10"]},"incidents":{"points":8,"reason":"The Visa card was closed in all regions on Dec-20, 2023 and the card has been rebuilt since. Cashback rules were cut and reshaped more than once in 2026.","src":["s9","s8","s4"]},"track_record":{"points":7,"reason":"Brazil card live since late 2025 and a few other markets since; the earlier programme ended after about two years. No published volume figures.","src":["s7","s9"]},"transparency":{"points":6,"reason":"Fees, limits and cashback tiers are published for Brazil with update dates; the Global Program gives no limits, countries or cashback, and FX is a 1-2% range.","src":["s3","s4","s5"]},"support":{"points":5,"reason":"Large support operation with chat, but no card-specific support hours or ratings were found.","src":["s9"]}},"trustPoints":45,"grade":"D","confidence":84,"best":{"tier":"Brazil Card","net":89.99999999999999,"pctOfSpend":0.7499999999999999,"lines":[{"label":"Rewards you can spend","usd":234},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-36},{"label":"Fees on every purchase","usd":-108.00000000000001},{"label":"Cost of locked money","usd":0}]},"score":71,"website":"https://www.binance.com/en/cards","inactive":false},{"slug":"coca","name":"COCA Card","brand":"COCA","checked":"2026-11-05","summary":"COCA is a self-custody wallet with a Visa debit card (powered by Wirex) that spends from USD or EUR balances, plus a SEPA IBAN for residents of 28 European countries. Cashback runs from 1% (free Starter tier) to 8% (Elite, 30,000 COCA staked), but since Sep-2026 how much you can claim each month is limited by a Claim Capacity of $15 to $350.","company":{"legal_entity":{"v":"CCA Labs - FZCO, Dubai Digital Oasis, UAE (reg. DSO-FZCO-31557); App Store seller CCA LABS - FZCO","src":["s11","s13"],"note":"Terms governed by the law of England and Wales"},"hq_country":{"v":"United Arab Emirates","src":["s11"],"note":"Registered office of the legal entity; press dateline for the 2024 launch was London"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://coca.xyz","src":["s12"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Wirex","src":["s10","s18"],"note":"Issuer help page says the card is provided in collaboration with Wirex; Paymentscan lists Wirex infrastructure. Terms and docs do not name an issuer"},"program_manager":{"v":"CCA Labs (COCA)","src":["s11","s27"],"note":"Card is powered by Wirex card infrastructure per the 2024 press release"},"licences":{"v":null,"note":"Not published"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s1","s18"]},"card_product_level":{"v":"Visa Platinum","src":["s26"],"note":"Per review; not stated by issuer"}},"product":{"status":{"v":"live","src":["s12","s1"]},"launched":{"v":"2024-01","src":["s27"],"note":"MPC wallet and debit card announced Jan-08, 2024; physical cards and Apple Pay arrived in Q1 2026 per roadmap"},"card_kind":{"v":"debit","src":["s26"],"note":"Described as a debit card on the issuer help page (COCA Debit Card Limits)"},"forms":{"v":["virtual","physical"],"src":["s1","s7"]},"custody":{"v":"self-custody","src":["s16","s14"],"note":"Docs say funds are held in a smart wallet the user controls (COCA 3.0, Q2 2026)"},"custody_detail":{"v":"Privy-based wallet; deposits are held as wrapped USD/EUR tokens on Base and unwrapped at payment","src":["s15","s25"],"note":"The wrapper detail comes from a Finek post that studied transactions, not from COCA"},"kyc_level":{"v":"full","src":["s26"]},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":18,"src":["s11"]},"business_cards":{"v":null,"note":"Not published"},"settlement_currency":{"v":"USD or EUR","src":["s7","s3"]},"card_currencies":{"v":["USD","EUR"],"src":["s7","s3"]}},"tiers":[{"name":"Starter","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s7","s2"],"note":"No subscription; higher tiers need locked COCA tokens instead"},"price_annual":{"v":0,"src":["s7","s2"]},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":5,"src":["s1"],"note":"Physical card is $5 on Starter, Standard and Standard+, free from Premium"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s2","s4"]},"other_requirements":{"v":"KYC","src":["s26"],"note":"Identity verification required per review; issuer documents do not describe KYC"},"cashback_rate":{"v":1,"src":["s2","s3","s4"],"note":"Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands"},"cashback_asset":{"v":"Stablecoin (USDC/EURC) credited to a USD or EUR balance","src":["s3","s4"]},"cashback_cap_monthly":{"v":15,"src":["s4"],"note":"This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months"},"cashback_eligible_spend":{"v":"Card purchases, except excluded categories","src":["s4","s5"],"note":"Curve payments earn a flat 1% unless Premium+ or Elite"},"cashback_exclusions":{"v":["Cash and ATM withdrawals","Crypto purchases","Gambling and betting","Government and judicial payments (taxes, fines)","Money transfers and financial institutions","Professional services and timeshares","Refunded or cancelled transactions"],"src":["s5"],"note":"List of MCCs is not exhaustive and may change without notice"},"cashback_vesting":{"v":"14-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends","src":["s4"]},"points_program":{"v":null,"note":"No points programme; cashback is paid in stablecoin"},"fx_fee":{"v":0,"src":["s7"],"note":"Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests"},"crypto_conversion_fee":{"v":0,"src":["s30","s7"],"note":"Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests"},"topup_fee":{"v":null,"note":"SEPA reported free (Cryptonoshi); card and crypto top-up fees not published"},"atm_free_monthly":{"v":250,"src":["s13"],"note":"USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250"},"atm_fee_pct":{"v":2,"src":["s18","s26"],"note":"After the free allowance, per third parties; not in issuer documents"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":850,"src":["s1","s29"],"note":"EUR; max 5 withdrawals per day"},"atm_limit_monthly":{"v":5000,"src":["s1","s29"],"note":"EUR"},"spend_limit_per_tx":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_daily":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_monthly":{"v":30000,"src":["s1","s29"],"note":"EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months"},"spend_limit_annual":{"v":null,"note":"No annual limit stated; 6-month limit is EUR 100,000"},"inactivity_fee":{"v":null,"note":"App Store lists 'no maintenance fees'; inactivity fee not stated"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["No subscription rebates","Up to 50% off hotels via COCA Travel (per App Store listing)"],"src":["s2","s13"]}},{"name":"Standard","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s7","s2"],"note":"No subscription; higher tiers need locked COCA tokens instead"},"price_annual":{"v":0,"src":["s7","s2"]},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":5,"src":["s1"]},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":300,"asset":"COCA","lock_days":30},"src":["s2","s4"],"note":"Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY"},"other_requirements":{"v":"KYC","src":["s26"],"note":"Identity verification required per review; issuer documents do not describe KYC"},"cashback_rate":{"v":3,"src":["s2","s3","s4"],"note":"Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands"},"cashback_asset":{"v":"Stablecoin (USDC/EURC) credited to a USD or EUR balance","src":["s3","s4"]},"cashback_cap_monthly":{"v":25,"src":["s4"],"note":"This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months"},"cashback_eligible_spend":{"v":"Card purchases, except excluded categories","src":["s4","s5"],"note":"Curve payments earn a flat 1% unless Premium+ or Elite"},"cashback_exclusions":{"v":["Cash and ATM withdrawals","Crypto purchases","Gambling and betting","Government and judicial payments (taxes, fines)","Money transfers and financial institutions","Professional services and timeshares","Refunded or cancelled transactions"],"src":["s5"],"note":"List of MCCs is not exhaustive and may change without notice"},"cashback_vesting":{"v":"14-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends","src":["s4"]},"points_program":{"v":null,"note":"No points programme; cashback is paid in stablecoin"},"fx_fee":{"v":0,"src":["s7"],"note":"Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests"},"crypto_conversion_fee":{"v":0,"src":["s30","s7"],"note":"Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests"},"topup_fee":{"v":null,"note":"SEPA reported free (Cryptonoshi); card and crypto top-up fees not published"},"atm_free_monthly":{"v":250,"src":["s13"],"note":"USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250"},"atm_fee_pct":{"v":2,"src":["s18","s26"],"note":"After the free allowance, per third parties; not in issuer documents"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":850,"src":["s1","s29"],"note":"EUR; max 5 withdrawals per day"},"atm_limit_monthly":{"v":5000,"src":["s1","s29"],"note":"EUR"},"spend_limit_per_tx":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_daily":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_monthly":{"v":30000,"src":["s1","s29"],"note":"EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months"},"spend_limit_annual":{"v":null,"note":"No annual limit stated; 6-month limit is EUR 100,000"},"inactivity_fee":{"v":null,"note":"App Store lists 'no maintenance fees'; inactivity fee not stated"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["50% rebate on 1 subscription category (streaming: Netflix, Disney+, Paramount+, YouTube)","Up to 50% off hotels via COCA Travel (per App Store listing)"],"src":["s6","s2","s13"]}},{"name":"Standard+","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s7","s2"],"note":"No subscription; higher tiers need locked COCA tokens instead"},"price_annual":{"v":0,"src":["s7","s2"]},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":5,"src":["s1"]},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":1000,"asset":"COCA","lock_days":30},"src":["s2","s4"],"note":"Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY"},"other_requirements":{"v":"KYC","src":["s26"],"note":"Identity verification required per review; issuer documents do not describe KYC"},"cashback_rate":{"v":4,"src":["s2","s3","s4"],"note":"Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands"},"cashback_asset":{"v":"Stablecoin (USDC/EURC) credited to a USD or EUR balance","src":["s3","s4"]},"cashback_cap_monthly":{"v":35,"src":["s4"],"note":"This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months"},"cashback_eligible_spend":{"v":"Card purchases, except excluded categories","src":["s4","s5"],"note":"Curve payments earn a flat 1% unless Premium+ or Elite"},"cashback_exclusions":{"v":["Cash and ATM withdrawals","Crypto purchases","Gambling and betting","Government and judicial payments (taxes, fines)","Money transfers and financial institutions","Professional services and timeshares","Refunded or cancelled transactions"],"src":["s5"],"note":"List of MCCs is not exhaustive and may change without notice"},"cashback_vesting":{"v":"14-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends","src":["s4"]},"points_program":{"v":null,"note":"No points programme; cashback is paid in stablecoin"},"fx_fee":{"v":0,"src":["s7"],"note":"Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests"},"crypto_conversion_fee":{"v":0,"src":["s30","s7"],"note":"Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests"},"topup_fee":{"v":null,"note":"SEPA reported free (Cryptonoshi); card and crypto top-up fees not published"},"atm_free_monthly":{"v":250,"src":["s13"],"note":"USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250"},"atm_fee_pct":{"v":2,"src":["s18","s26"],"note":"After the free allowance, per third parties; not in issuer documents"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":850,"src":["s1","s29"],"note":"EUR; max 5 withdrawals per day"},"atm_limit_monthly":{"v":5000,"src":["s1","s29"],"note":"EUR"},"spend_limit_per_tx":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_daily":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_monthly":{"v":30000,"src":["s1","s29"],"note":"EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months"},"spend_limit_annual":{"v":null,"note":"No annual limit stated; 6-month limit is EUR 100,000"},"inactivity_fee":{"v":null,"note":"App Store lists 'no maintenance fees'; inactivity fee not stated"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["50% rebate on 2 categories (streaming; AI assistants: ChatGPT, Claude, Perplexity, Midjourney, Cursor)","Up to 50% off hotels via COCA Travel (per App Store listing)"],"src":["s6","s2","s13"]}},{"name":"Premium","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s7","s2"],"note":"No subscription; higher tiers need locked COCA tokens instead"},"price_annual":{"v":0,"src":["s7","s2"]},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":0,"src":["s1"]},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":3000,"asset":"COCA","lock_days":30},"src":["s2","s4"],"note":"Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY"},"other_requirements":{"v":"KYC","src":["s26"],"note":"Identity verification required per review; issuer documents do not describe KYC"},"cashback_rate":{"v":5,"src":["s2","s3","s4"],"note":"Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands"},"cashback_asset":{"v":"Stablecoin (USDC/EURC) credited to a USD or EUR balance","src":["s3","s4"]},"cashback_cap_monthly":{"v":60,"src":["s4"],"note":"This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months"},"cashback_eligible_spend":{"v":"Card purchases, except excluded categories","src":["s4","s5"],"note":"Curve payments earn a flat 1% unless Premium+ or Elite"},"cashback_exclusions":{"v":["Cash and ATM withdrawals","Crypto purchases","Gambling and betting","Government and judicial payments (taxes, fines)","Money transfers and financial institutions","Professional services and timeshares","Refunded or cancelled transactions"],"src":["s5"],"note":"List of MCCs is not exhaustive and may change without notice"},"cashback_vesting":{"v":"14-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends","src":["s4"]},"points_program":{"v":null,"note":"No points programme; cashback is paid in stablecoin"},"fx_fee":{"v":0,"src":["s7"],"note":"Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests"},"crypto_conversion_fee":{"v":0,"src":["s30","s7"],"note":"Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests"},"topup_fee":{"v":null,"note":"SEPA reported free (Cryptonoshi); card and crypto top-up fees not published"},"atm_free_monthly":{"v":250,"src":["s13"],"note":"USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250"},"atm_fee_pct":{"v":2,"src":["s18","s26"],"note":"After the free allowance, per third parties; not in issuer documents"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":850,"src":["s1","s29"],"note":"EUR; max 5 withdrawals per day"},"atm_limit_monthly":{"v":5000,"src":["s1","s29"],"note":"EUR"},"spend_limit_per_tx":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_daily":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_monthly":{"v":30000,"src":["s1","s29"],"note":"EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months"},"spend_limit_annual":{"v":null,"note":"No annual limit stated; 6-month limit is EUR 100,000"},"inactivity_fee":{"v":null,"note":"App Store lists 'no maintenance fees'; inactivity fee not stated"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["50% rebate on 2 categories (streaming; AI assistants)","Priority support","Free physical card","Up to 50% off hotels via COCA Travel (per App Store listing)"],"src":["s6","s2","s13"]}},{"name":"Premium+","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s7","s2"],"note":"No subscription; higher tiers need locked COCA tokens instead"},"price_annual":{"v":0,"src":["s7","s2"]},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":0,"src":["s1"]},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":10000,"asset":"COCA","lock_days":30},"src":["s2","s4"],"note":"Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY"},"other_requirements":{"v":"KYC","src":["s26"],"note":"Identity verification required per review; issuer documents do not describe KYC"},"cashback_rate":{"v":6,"src":["s2","s3","s4"],"note":"Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands"},"cashback_asset":{"v":"Stablecoin (USDC/EURC) credited to a USD or EUR balance","src":["s3","s4"]},"cashback_cap_monthly":{"v":140,"src":["s4"],"note":"This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months"},"cashback_eligible_spend":{"v":"Card purchases, except excluded categories","src":["s4","s5"],"note":"Curve payments earn a flat 1% unless Premium+ or Elite"},"cashback_exclusions":{"v":["Cash and ATM withdrawals","Crypto purchases","Gambling and betting","Government and judicial payments (taxes, fines)","Money transfers and financial institutions","Professional services and timeshares","Refunded or cancelled transactions"],"src":["s5"],"note":"List of MCCs is not exhaustive and may change without notice"},"cashback_vesting":{"v":"14-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends","src":["s4"]},"points_program":{"v":null,"note":"No points programme; cashback is paid in stablecoin"},"fx_fee":{"v":0,"src":["s7"],"note":"Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests"},"crypto_conversion_fee":{"v":0,"src":["s30","s7"],"note":"Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests"},"topup_fee":{"v":null,"note":"SEPA reported free (Cryptonoshi); card and crypto top-up fees not published"},"atm_free_monthly":{"v":250,"src":["s13"],"note":"USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250"},"atm_fee_pct":{"v":2,"src":["s18","s26"],"note":"After the free allowance, per third parties; not in issuer documents"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":850,"src":["s1","s29"],"note":"EUR; max 5 withdrawals per day"},"atm_limit_monthly":{"v":5000,"src":["s1","s29"],"note":"EUR"},"spend_limit_per_tx":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_daily":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_monthly":{"v":30000,"src":["s1","s29"],"note":"EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months"},"spend_limit_annual":{"v":null,"note":"No annual limit stated; 6-month limit is EUR 100,000"},"inactivity_fee":{"v":null,"note":"App Store lists 'no maintenance fees'; inactivity fee not stated"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["50% rebate on 3 categories (streaming; AI assistants; music: Spotify)","Priority support","Free physical card","Up to 50% off hotels via COCA Travel (per App Store listing)"],"src":["s6","s2","s13"]}},{"name":"Elite","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s7","s2"],"note":"No subscription; higher tiers need locked COCA tokens instead"},"price_annual":{"v":0,"src":["s7","s2"]},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":0,"src":["s1"]},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":{"amount":30000,"asset":"COCA","lock_days":30},"src":["s2","s4"],"note":"Staked COCA is locked while you hold the tier; no partial unstaking; 30-day cooldown after cancelling, then claim the tokens back. Staking earns no APY"},"other_requirements":{"v":"KYC","src":["s26"],"note":"Identity verification required per review; issuer documents do not describe KYC"},"cashback_rate":{"v":8,"src":["s2","s3","s4"],"note":"Unlimited earning rate. Since the Sep-2026 update there are no spend bands; Paymentscan and Cryptonoshi still show the older 'X% on first amount, then 1%' bands"},"cashback_asset":{"v":"Stablecoin (USDC/EURC) credited to a USD or EUR balance","src":["s3","s4"]},"cashback_cap_monthly":{"v":350,"src":["s4"],"note":"This is the monthly Claim Capacity (how much you can claim), not a cap on earning; includes a base tier bonus plus $1 per 100 COCA staked; unclaimed rewards carry over and expire after 12 months"},"cashback_eligible_spend":{"v":"Card purchases, except excluded categories","src":["s4","s5"],"note":"Curve payments earn a flat 1% unless Premium+ or Elite"},"cashback_exclusions":{"v":["Cash and ATM withdrawals","Crypto purchases","Gambling and betting","Government and judicial payments (taxes, fines)","Money transfers and financial institutions","Professional services and timeshares","Refunded or cancelled transactions"],"src":["s5"],"note":"List of MCCs is not exhaustive and may change without notice"},"cashback_vesting":{"v":"14-day pending period, then claimable (one claim per 24 h, minimum $1); claimable rewards expire 12 months after pending ends","src":["s4"]},"points_program":{"v":null,"note":"No points programme; cashback is paid in stablecoin"},"fx_fee":{"v":0,"src":["s7"],"note":"Issuer: zero FX fees on direct currency pairs (USD, EUR). Measured: about 1.9% over market on a PLN purchase (Paymentscan, date not stated); see tests"},"crypto_conversion_fee":{"v":0,"src":["s30","s7"],"note":"Issuer says no additional fees apart from network fees. Cryptonoshi measured about 0.6% sell spread when spending to local currency; see tests"},"topup_fee":{"v":null,"note":"SEPA reported free (Cryptonoshi); card and crypto top-up fees not published"},"atm_free_monthly":{"v":250,"src":["s13"],"note":"USD 250 per month per App Store listing; Cryptonoshi quotes EUR 250"},"atm_fee_pct":{"v":2,"src":["s18","s26"],"note":"After the free allowance, per third parties; not in issuer documents"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":850,"src":["s1","s29"],"note":"EUR; max 5 withdrawals per day"},"atm_limit_monthly":{"v":5000,"src":["s1","s29"],"note":"EUR"},"spend_limit_per_tx":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_daily":{"v":30000,"src":["s1","s29"],"note":"EUR"},"spend_limit_monthly":{"v":30000,"src":["s1","s29"],"note":"EUR; also EUR 75,000 per 3 months and EUR 100,000 per 6 months"},"spend_limit_annual":{"v":null,"note":"No annual limit stated; 6-month limit is EUR 100,000"},"inactivity_fee":{"v":null,"note":"App Store lists 'no maintenance fees'; inactivity fee not stated"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["50% rebate on 4 categories (streaming; AI assistants; music; marketplaces: Amazon Prime, Mercado Libre)","Priority support","Free physical card","Can request higher card spending limit","Up to 50% off hotels via COCA Travel (per App Store listing)"],"src":["s6","s2","s13"]}}],"funding":{"crypto_assets":{"v":["USDT","USDC","EURC"],"src":["s26"],"note":"Issuer docs say 'supported stablecoins' without listing tickers"},"chains":{"v":["Arbitrum","Avalanche","Base","Ethereum","Gnosis","Monad","NEAR","Optimism","Polygon","Scroll","Solana","Stellar","Sui","TON","Tron"],"src":["s26"],"note":"Varies by asset; USD deposits may support fewer"},"fiat_topup":{"v":["SEPA","debit or credit card from another bank"],"src":["s7","s8","s14"],"note":"EUR SEPA IBAN for residents of 28 European countries; USD bank details (ACH) planned Q1-Q2 2027; SWIFT not supported per Paymentscan"},"deposit_fees":{"v":"COCA charges no additional fees apart from network fees; SEPA reported free","src":["s30","s26"],"note":"Card top-up fee not published"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"USD or EUR balance (stablecoin deposits are converted 1:1 into the balance)","src":["s7","s25"]}},"payments":{"apple_pay":{"v":true,"src":["s1","s7"]},"google_pay":{"v":true,"src":["s1","s7"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":true,"src":["s10","s7"],"note":"Only SMS confirmation to the linked phone number is implemented"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":true,"src":["s6"],"note":"Netflix, ChatGPT, Spotify and others earn rebates when paid by the card"},"restricted_mccs":{"v":null,"note":"Card-spend restrictions not published; some categories are excluded from cashback only"}},"availability":{"regions":{"v":["UK","EEA","Asia","South America","Middle East","Africa"],"src":["s12"]},"countries_supported_count":{"v":76,"src":["s18"],"note":"76 jurisdictions as of Sep-2026 per Paymentscan; Cryptonoshi lists 73"},"countries_supported":{"v":null,"note":"Full list is inside the app; EUR bank account is limited to 28 European countries"},"countries_excluded":{"v":["AF","KP","CD","ER","LY","SO","SS","SD","YE","IQ","IR","CU","SY","ML","CF","GW","LB"],"src":["s11"],"note":"Prohibited countries in the terms, plus any UN-sanctioned country; the US is also not served per Cryptonoshi"},"us_available":{"v":false,"src":["s26"]},"uk_available":{"v":true,"src":["s12","s9"]},"eea_available":{"v":true,"src":["s12","s9"]}},"account_features":{"iban":{"v":true,"src":["s8","s9"],"note":"Personal EUR IBAN via SEPA, only for residents of 28 European countries"},"local_accounts":{"v":["EUR (SEPA)"],"src":["s9","s14"],"note":"USD account details (ACH) planned Q1-Q2 2027"},"p2p_transfers":{"v":true,"src":["s14"],"note":"COCA ID nicknames and card-to-card transfers"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":5,"src":["s4"],"note":"Variable APY on USD balance up to a tier-dependent cap (cap not stated), 2% above it; paid only on manual claim; EUR balances earn none"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s7"],"note":"USD and EUR balances, in-app exchange between them"},"other":{"v":"Crypto account with swaps and ETH staking; COCA Travel hotel discounts","src":["s13","s14"]}},"security":{"card_freeze":{"v":true,"src":["s7"]},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"None published"},"audits":{"v":["Privy: Cure53, Zellic, Doyensec reviews; SOC 2 Type I and II","Morpho: OpenZeppelin, Spearbit reviews"],"src":["s15"],"note":"These are audits of the vendors COCA builds on, not of COCA itself"}},"app":{"ios_url":{"v":"https://apps.apple.com/app/id1594165139","src":["s13"]},"ios_rating":{"v":4,"src":["s13"]},"ios_rating_count":{"v":40,"src":["s13"]},"android_url":{"v":"https://play.google.com/store/apps/details?id=com.wirex.wallet","src":["s12"]},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","French","German","Italian","Portuguese","Spanish","Turkish"],"src":["s26"],"note":"App Store listing shows English only"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["Support tickets (in app and web form)","Email","Discord"],"src":["s12","s26"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":2.9,"src":["s19"]},"trustpilot_reviews":{"v":30,"src":["s19"],"note":"Most 5-star reviews are brief and from 2024; recent detailed reviews are mostly negative"},"common_complaints":{"v":["Funds or card inaccessible after an app update, slow support resolution","Account closures with funds not returned","Deposits or transfers held pending compliance checks","Cashback claim limit introduced in Sep-2026 cut payouts (Finek)"],"src":["s19","s20"]},"common_praise":{"v":["High cashback","Good conversion rates on card spending (user report)","Self-custody model and salary IBAN"],"src":["s19","s28"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":null,"note":"Not published"},"onchain_spend_last_month_usd":{"v":7800000,"src":["s26"],"note":"About $7.8M in Oct-2026, Paymentscan volume data as quoted by the review"}},"incidents":[{"date":"2026-09","type":"fee change","summary":"COCA made cashback unlimited in rate but limited how much can be claimed per month (Claim Capacity); Finek estimates payouts were cut by more than half, and many users left the COCA tier.","src":["s20","s4"]},{"date":"2026-10","type":"hack","summary":"The NEAR Intents infrastructure used for swapping COCA tokens back to USDC was exploited for about $3.8M on Oct-01, 2026, just as many unstaking users were exiting; the funds were returned within two days.","src":["s22","s23"]}],"referral":{"user_referral_program":{"v":"Referrer gets $20, new user gets $10 after ordering a card and spending $100 on at least 3 merchants within 30 days","src":["s17"],"note":"Effective May-01, 2026"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"EEA","field":"account_features.iban","v":"EUR IBAN for residents of 28 European countries including UK","src":["s9"]}],"extra":[{"key":"subscription_rebate_cap","label":"Subscription rebate rules","v":"50% back on the first eligible subscription per category each month, on up to $70 of each charge; the number of categories depends on the tier","src":["s6","s4"]},{"key":"claim_capacity_boosters","label":"Claim Capacity boosters","v":"Capacity rises by $1 per 100 extra COCA staked, and boosters for card payments and loyalty are listed in the Q4 2026 roadmap","src":["s2","s14"]},{"key":"in_app_exchange_rate","label":"In-app USD/EUR exchange","v":"Available since Sep-2026; Finek measured 1.7% from the xe.com rate","src":["s21"]},{"key":"tier_downgrade","label":"Leaving a tier","v":"Cancel any time; tier benefits continue for a 30-day cooldown, then you drop to Starter and can claim the staked COCA back; partial unstaking is not possible","src":["s2","s4"]},{"key":"stake_cost_estimate","label":"Approximate cost of staking","v":"300 COCA is about EUR 250 and 30,000 COCA about EUR 25,000 on Nov-02, 2026; the token price moves","src":["s26"]},{"key":"cashback_pending","label":"Cashback pending period","v":"14 days; can be reversed if the purchase is refunded or flagged","src":["s4"]}],"tests":[{"metric":"fx_markup","value":1.9,"text":"About 1.9% over the Google market rate on an in-store purchase in PLN; may include a small undisclosed fee","tester":"Paymentscan","date":null,"src":["s18"]},{"metric":"conversion_spread","value":0.6,"text":"Sell spread of about 0.6% when stablecoins are spent in a non-EUR currency, as reported by the review","tester":"Cryptonoshi","date":"2026-11-02","src":["s26"]},{"metric":"conversion_spread","value":1.7,"text":"In-app USD to EUR exchange costs 1.7% against the xe.com rate","tester":"Finek","date":"2026-09-17","src":["s21"]},{"metric":"other","value":1,"text":"A EUR transfer into COCA was converted to USD with a loss of roughly 1%","tester":"Finek","date":"2026-08-19","src":["s24"]}],"sources":[{"id":"s1","url":"https://docs.coca.xyz/coca/banking-account/coca-card.md","title":"COCA docs: COCA Card (fees, limits)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://docs.coca.xyz/coca/membership-and-rewards/membership-you-deserve.md","title":"COCA docs: Membership tiers","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://docs.coca.xyz/coca/membership-and-rewards/8-cashback.md","title":"COCA docs: 8% Cashback","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://help.coca.xyz/support/solutions/articles/205000042710-tier-system-terms-conditions","title":"COCA help centre: Tier System Terms & Conditions","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://help.coca.xyz/support/solutions/articles/205000042711-cashback-exclusions","title":"COCA help centre: Cashback Exclusions","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://docs.coca.xyz/coca/membership-and-rewards/50-off-subscriptions.md","title":"COCA docs: 50%-off subscriptions","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://docs.coca.xyz/coca/banking-account/overview.md","title":"COCA docs: Banking account overview","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://docs.coca.xyz/coca/banking-account/iban.md","title":"COCA docs: IBAN","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://help.coca.xyz/support/solutions/articles/205000059619-what-bank-accounts-are-available-in-coca-","title":"COCA help centre: What bank accounts are available","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://help.coca.xyz/support/solutions/articles/205000042687-virtual-card-and-physical-card","title":"COCA help centre: Virtual card and physical card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://coca.xyz/terms","title":"COCA terms of use","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://coca.xyz","title":"COCA website","publisher":"issuer","accessed":"2026-11-05"},{"id":"s13","url":"https://apps.apple.com/app/id1594165139","title":"COCA: Crypto Card & Wallet on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s14","url":"https://docs.coca.xyz/coca/the-bank-we-all-deserve/what-is-cocas-roadmap-for-2026-2027.md","title":"COCA docs: Roadmap 2026-2027","publisher":"issuer","accessed":"2026-11-05"},{"id":"s15","url":"https://docs.coca.xyz/coca/the-bank-we-all-deserve/is-coca-safe.md","title":"COCA docs: Is COCA safe?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s16","url":"https://docs.coca.xyz/coca/the-bank-we-all-deserve/where-is-my-money-stored-and-who-controls-it.md","title":"COCA docs: Where is my money stored","publisher":"issuer","accessed":"2026-11-05"},{"id":"s17","url":"https://help.coca.xyz/support/solutions/articles/205000042721-refer-a-friend-campaign","title":"COCA help centre: Refer a Friend Campaign","publisher":"issuer","accessed":"2026-11-05"},{"id":"s18","url":"https://paymentscan.xyz/cards/coca","title":"COCA on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s19","url":"https://www.trustpilot.com/review/coca.xyz","title":"COCA on Trustpilot","publisher":"trustpilot","accessed":"2026-11-05"},{"id":"s20","url":"https://t.me/bankandfintech/897","title":"Finek, Sep-02, 2026: COCA cashback change","publisher":"community","accessed":"2026-11-05"},{"id":"s21","url":"https://t.me/bankandfintech/925","title":"Finek, Sep-17, 2026: COCA USD/EUR exchange","publisher":"community","accessed":"2026-11-05"},{"id":"s22","url":"https://t.me/bankandfintech/946","title":"Finek, Oct-01, 2026: COCA unstaking and NEAR Intents exploit","publisher":"community","accessed":"2026-11-05"},{"id":"s23","url":"https://t.me/bankandfintech/948","title":"Finek, Oct-02, 2026: NEAR Intents funds returned","publisher":"community","accessed":"2026-11-05"},{"id":"s24","url":"https://t.me/bankandfintech/871","title":"Finek, Aug-19, 2026: EUR transfer into COCA converted to USD","publisher":"community","accessed":"2026-11-05"},{"id":"s25","url":"https://t.me/bankandfintech/848","title":"Finek, Aug-08, 2026: How Wirex One and COCA work","publisher":"community","accessed":"2026-11-05"},{"id":"s26","url":"https://cryptonoshi.com/product/coca-card/","title":"Cryptonoshi review, Last Updated Nov-02, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s27","url":"https://prnewswire.co.uk/news-releases/coca-and-wirex-unveil-worlds-first-mpc-wallet-with-non-custodial-debit-card-302027331.html","title":"COCA and Wirex unveil MPC wallet with non-custodial debit card, Jan-08, 2024","publisher":"press","accessed":"2026-11-05"},{"id":"s28","url":"https://t.me/c/1916527029/145580","title":"Finek chat, user report, Oct-12, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s29","url":"https://help.coca.xyz/support/solutions/articles/205000042688-coca-debit-card-limits","title":"COCA help centre: COCA Debit Card Limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s30","url":"https://help.coca.xyz/support/solutions/articles/205000042685-crypto-fees-and-limits","title":"COCA help centre: Crypto fees and limits","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":8,"reason":"CCA Labs FZCO, Dubai, publishes no licence. Wirex provides the card, but the terms do not name an issuer.","src":["s11","s10"]},"custody":{"points":12,"reason":"Smart wallet the user controls, built on audited vendors, but no audit of COCA itself.","src":["s16","s15"]},"incidents":{"points":10,"reason":"Cashback payouts were limited in Sep 2026. The swap service for COCA tokens was exploited for about $3.8M in Oct 2026.","src":["s4","s22"]},"track_record":{"points":6,"reason":"Live since 2024, physical cards only since 2026. No verified spend figure in our file.","src":["s27"]},"transparency":{"points":6,"reason":"Terms and docs are public, but the ATM fee appears only on third-party pages.","src":["s1","s12"]},"support":{"points":2,"reason":"Trustpilot 2.9 from 30 reviews, with recent complaints about locked funds and closed accounts.","src":["s19","s20"]}},"trustPoints":44,"grade":"D","confidence":100,"best":{"tier":"Starter","net":74.4,"pctOfSpend":0.6200000000000001,"lines":[{"label":"Rewards you can spend","usd":120},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-45.599999999999994},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":69,"website":"https://coca.xyz","inactive":false},{"slug":"bitget-wallet","name":"Bitget Wallet Card","brand":"Bitget Wallet","checked":"2026-11-05","summary":"Bitget Wallet Card is a prepaid Visa or Mastercard that you top up from the self-custody Bitget Wallet app. Cashback is 2% (3% for new users or at a monthly spend threshold), paid in a chosen asset, and the issuing partner changes by region.","company":{"legal_entity":{"v":"BitKeep Global Inc.","src":["s6"],"note":"Seller name on the App Store; the card page says only 'Bitget Wallet'"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://web3.bitget.com/en/card","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"UR, Immersve and DCS, depending on region","src":["s2"],"note":"From Paymentscan; Bitget does not name its issuers. Cryptonoshi names Monavate (UK) for a virtual card BIN, and a Finek user report mentions Monavate too; not confirmed by Bitget"},"program_manager":{"v":"Bitget Wallet","src":["s1"]},"licences":{"v":null,"note":"Not published"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa and Mastercard","src":["s1","s2"],"note":"Network depends on region"},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s1","s2"]},"launched":{"v":"2024-10","src":["s2"],"note":"Paymentscan; Bitget's Asia-Pacific launch post is dated Sep-30, 2025 and Cryptonoshi says Jul-2025"},"card_kind":{"v":"prepaid","src":["s8"],"note":"Cryptonoshi calls it prepaid; Bitget says you top up the card and then spend"},"forms":{"v":["virtual","physical"],"src":["s1"],"note":"Physical only in South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand, Philippines"},"custody":{"v":"self-custody","src":["s4"],"note":"Bitget's academy article calls the design non-custodial, but the card balance is loaded from the wallet and cannot be moved back"},"custody_detail":{"v":"Wallet keys stay with the user. Topped-up card balance sits with the card programme and cannot be moved back to the wallet; if wallet control is lost the card still spends but cannot be topped up or recovered","src":["s1","s5"]},"kyc_level":{"v":"full","src":["s1"]},"kyc_documents":{"v":"ID or passport valid for at least 3 months (Asia-Pacific); proof of address in some regions","src":["s3","s5"]},"kyc_time":{"v":"From about one minute to about 10 minutes","src":["s1","s3"]},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s1"],"note":"No business product is described"},"settlement_currency":{"v":"USD","src":["s3"],"note":"EUR cards exist per Penchan; Bitget says spending settles in local currency"},"card_currencies":{"v":["USD"],"src":["s3"]}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"],"note":"No monthly card fee"},"price_annual":{"v":0,"src":["s1"],"note":"Annual fee 0"},"issuance_virtual":{"v":0,"src":["s1","s3"],"note":"Free at the Asia-Pacific launch (Sep-2025); the launch page lists a 10 USDT activation fee waived for the campaign, and current waiver status is not published. Penchan reports a $2 issuance fee in Nigeria"},"issuance_physical":{"v":49,"src":["s10"],"note":"Third party only (Penchan): $49 with shipping, promo $25 to Dec-31, 2026. Physical cards are only in South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand, Philippines per Bitget"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"]},"other_requirements":{"v":"Identity verification in the Bitget Wallet app; at least $10 of wallet assets to apply (Asia-Pacific launch page)","src":["s1","s3"]},"cashback_rate":{"v":2,"src":["s1"],"note":"2% base for all cardholders; 3% for new users or after reaching a monthly spend threshold of $200-400"},"cashback_asset":{"v":"Chosen asset: USDC, BTC, gold, or tokenised US stocks (NVIDIA, Google, Tesla, S&P 500)","src":["s1"],"note":"Can be changed once per calendar month"},"cashback_cap_monthly":{"v":null,"note":"Bitget does not publish the cap; Penchan says only the first $200-600 of spend a month earns cashback"},"cashback_eligible_spend":{"v":"All purchases except restricted MCCs and refunded, reversed or cancelled transactions","src":["s1"]},"cashback_exclusions":{"v":"Restricted merchant category codes; refunded, reversed or cancelled transactions","src":["s1"],"note":"Full list is in Bitget's Assetback MCC Rules and FAQ"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":false,"src":["s1"]},"fx_fee":{"v":1.7,"src":["s11","s3"],"note":"1.7% on non-USD payments, none on USD, settled at Visa's rate. No real-payment measurement found"},"crypto_conversion_fee":{"v":"0.05% to 0.2%","src":["s11"],"note":"Charged on every crypto-to-fiat conversion. Cryptonoshi measured a sell spread of about 0.1%, within this range (see tests)"},"topup_fee":{"v":0,"src":["s11"],"note":"Top-up is free per the Asia-Pacific fee page. Other sources report 1%"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":1,"src":["s10"],"note":"Third party only (Penchan): 1% or $5 per withdrawal, whichever is higher"},"atm_fee_fixed":{"v":5,"src":["s10"],"note":"Third party only (Penchan)"},"atm_limit_daily":{"v":10000,"src":["s10"],"note":"Third party only (Penchan), physical cards"},"atm_limit_monthly":{"v":100000,"src":["s10"],"note":"Third party only (Penchan), physical cards"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":50000,"src":["s10"],"note":"Third party only (Penchan); Cryptonoshi lists 5,000 USD. The launch page says users set their own limits in the app"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":990000,"src":["s10"],"note":"Third party only (Penchan)"},"inactivity_fee":{"v":0,"src":["s1"],"note":"The page says no hidden charges and no monthly card fee"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Choice of cashback asset","Spend at Visa and Mastercard merchants worldwide"],"src":["s1"]}}],"funding":{"crypto_assets":{"v":["USDT","USDC","ETH","SOL","BNB","POL","BGB"],"src":["s1","s2"],"note":"Card page names USDT, USDC, ETH, SOL and 'other popular cryptocurrencies'; BNB, POL, BGB per Cryptonoshi (s8)"},"chains":{"v":["Ethereum","Solana","Base","Arbitrum","BNB Chain","Tron"],"src":["s2","s3","s4"],"note":"Launch page: USDC and USDT on Solana, TRON, Ethereum, Base. Paymentscan also lists Arbitrum and Morph as settlement chains"},"fiat_topup":{"v":null,"note":"Not published on the card page; Cryptonoshi lists USD and EUR bank deposits via the wallet"},"deposit_fees":{"v":"0% on top-up at the Asia-Pacific launch; on-chain gas paid by the user","src":["s3"]},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Card balance in USD after you top up","src":["s1","s3"],"note":"Other tokens are swapped to USD on-chain at top-up"}},"payments":{"apple_pay":{"v":true,"src":["s1"]},"google_pay":{"v":true,"src":["s1"],"note":"Page also lists WeChat Pay, Alipay and PayPal"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":"Spend anywhere Visa or Mastercard is accepted","src":["s1"]},"restricted_mccs":{"v":"Restricted MCCs exist (they also earn no cashback); list not published on the card page","src":["s1"]}},"availability":{"regions":{"v":["EEA","UK","LATAM","APAC","Africa","South Asia"],"src":["s1"]},"countries_supported_count":{"v":50,"src":["s1"],"note":"'50+' with more coming"},"countries_supported":{"v":null,"note":"Bitget lists regions, not ISO codes"},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":false,"src":["s8"],"note":"Cryptonoshi says not available to US residents; the card page does not list the US"},"uk_available":{"v":true,"src":["s1"]},"eea_available":{"v":true,"src":["s1"]}},"account_features":{"iban":{"v":null,"note":"Not published by the card page; Cryptonoshi mentions USD and EUR deposit accounts in the wallet"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":"Coming soon","src":["s2"],"note":"Paymentscan lists borrow-to-spend as coming soon"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Bitget Wallet also offers Stablecoin Earn, swaps and a Protection fund","src":["s6"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":"Protection fund mentioned on the wallet site; terms not read","src":["s7"],"note":"Source is the Trustpilot company profile, not an issuer terms page"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/bitget-wallet-crypto-web3/id1395301115","src":["s6"]},"ios_rating":{"v":4.7,"src":["s6"]},"ios_rating_count":{"v":5700,"src":["s6"]},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","German","Japanese","Korean","Chinese (Simplified)","Chinese (Traditional)","Vietnamese"],"src":["s6"],"note":"App Store list; the website offers 19 languages"},"web_app":{"v":true,"src":["s1"],"note":"Chrome extension and download pages; card is applied for in the app"},"support_channels":{"v":null,"note":"Not published"},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":3.1,"src":["s7"],"note":"Whole wallet, not the card"},"trustpilot_reviews":{"v":74,"src":["s7"]},"common_complaints":{"v":["Frozen or blocked withdrawals on the wallet","Slow or automated support","1.7% FX fee and 1% top-up fee cited in the one card review","Card can be blocked after an AML trigger while the wallet stays usable (Finek chat, user report, Aug-02, 2026)"],"src":["s7","s9"]},"common_praise":{"v":["Simple interface","Apple Pay support","Multi-chain support"],"src":["s7"]}},"adoption":{"users_claimed":{"v":"100 million wallet users (wallet, not card)","src":["s6"],"note":"Wallet-wide claim on bitget site"},"onchain_spend_all_time_usd":{"v":47680000,"src":["s2"],"note":"Paymentscan, Jan-2025 to Nov-2026; 76,873 addresses, 4,032,823 transactions"},"onchain_spend_last_month_usd":{"v":1782000,"src":["s8"],"note":"Paymentscan figure for Oct-2026 as shown by Cryptonoshi"}},"incidents":[{"date":"2026-07","type":"regulatory","summary":"Penchan reports that some EU cards whose proof-of-address check failed were closed, with 2-5 USDT deducted from the refunded balance; not confirmed by Bitget.","src":["s5"]}],"tests":[{"metric":"conversion_spread","value":0.1,"text":"Sell spread of about 0.1% when converting crypto to USD for loading, plus gas fees","tester":"Cryptonoshi","date":null,"src":["s8"]}],"referral":{"user_referral_program":{"v":"Referral codes give new users a bonus","src":["s8"],"note":"Third party; terms not read on the card page"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"Asia-Pacific (launch campaign)","field":"tiers[0].issuance_virtual","v":"10 USDT activation fee waived during the campaign","src":["s3"]}],"extra":[{"key":"assetback_threshold","label":"Spend needed for the 3% rate","v":"$200-400 of spend in a month, or new-user status","src":["s1"]},{"key":"seed_phrase_risk","label":"If you lose wallet access","v":"The activated card keeps spending, but you cannot top up, withdraw or recover the card account","src":["s1"]},{"key":"unspent_balance","label":"Unspent card balance","v":"Cannot be moved back to the wallet","src":["s5"]},{"key":"separate_exchange_card","label":"Other Bitget card","v":"A separate Bitget exchange card exists for some Asia-Pacific countries; this file covers only the wallet card","src":["s8"]}],"sources":[{"id":"s1","url":"https://web3.bitget.com/en/card","title":"Bitget Wallet Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://paymentscan.xyz/cards/bitget-wallet","title":"Bitget Wallet on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s3","url":"https://web3.bitget.com/en/blog/articles/bitget-wallet-card-asia-pacific","title":"Bitget Wallet Card launches in Asia Pacific with 0 fees for a limited time (Sep-30, 2025)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://web3.bitget.com/en/academy/how-to-top-up-your-crypto-debit-card-with-usdt","title":"How to top up your crypto debit card with USDT","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://penchan.co/cards/eu/bitget/","title":"Bitget Wallet Card (EU), Penchan, checked Oct-10, 2026","publisher":"other","accessed":"2026-11-05"},{"id":"s6","url":"https://apps.apple.com/us/app/bitget-wallet-crypto-web3/id1395301115","title":"Bitget Wallet on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s7","url":"https://www.trustpilot.com/review/web3.bitget.com","title":"Bitget Wallet on Trustpilot","publisher":"trustpilot","accessed":"2026-11-05"},{"id":"s8","url":"https://cryptonoshi.com/product/bitget-card/","title":"Bitget Wallet Card review, Last Updated Nov-02, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s9","url":"https://t.me/c/1916527029/226022","title":"Finek chat, user report, Aug-02, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s10","url":"https://penchan.co/en/crypto/bitget/bitget-card-guide/","title":"Bitget card guide, Penchan","publisher":"other","accessed":"2026-11-05"},{"id":"s11","url":"https://web3.bitget.com/helpCenter/431","title":"Fees, Asia-Pacific (help centre)","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":6,"reason":"Bitget does not name its card issuers; Paymentscan lists UR, Immersve and DCS by region, with no licence details from Bitget.","src":["s2","s1"]},"custody":{"points":14,"reason":"The wallet is described as non-custodial, but the topped-up card balance sits with the card programme and cannot be moved back.","src":["s4","s5"]},"incidents":{"points":12,"reason":"No card shutdown found, but proof-of-address closures with a small deduction were reported in the EU in Jul-2026, and users report AML blocks.","src":["s5","s9"]},"track_record":{"points":7,"reason":"Paymentscan shows about $47.7M all-time and roughly $1.8M in Oct-2026 since 2024 or 2025, small against the large cards.","src":["s2","s8"]},"transparency":{"points":4,"reason":"The card page gives no FX fee, caps or limits, and help centre pages did not load; third parties disagree on limits.","src":["s1","s5"]},"support":{"points":4,"reason":"Trustpilot shows 3.1 from 74 reviews for the wallet, with complaints about slow, automated support.","src":["s7"]}},"trustPoints":47,"grade":"D","confidence":100,"best":{"tier":"Standard","net":43.199999999999996,"pctOfSpend":0.35999999999999993,"lines":[{"label":"Rewards you can spend","usd":96},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-40.800000000000004},{"label":"Fees on every purchase","usd":-12},{"label":"Cost of locked money","usd":0}]},"score":67,"website":"https://web3.bitget.com/en/card","inactive":false},{"slug":"bybit","name":"Bybit Card","brand":"Bybit","checked":"2026-11-05","summary":"Bybit Card spends the crypto in your Bybit Funding Account and converts it at payment for 0.9%. It runs as two separate programmes: a Bybit EU card for the EEA and Switzerland (1% cashback, 0.5% FX) and a global card for other regions (2% cashback capped at $5 a month at the base tier, 2% FX).","company":{"legal_entity":{"v":"Bybit EU GmbH (crypto services, MiCAR) and Bybit Payments GmbH (e-money licence), both Austria, for the EU programme; Bybit Fintech Limited publishes the global app","src":["s7","s9"],"note":"Entity behind the global card is not named on the pages we read"},"hq_country":{"v":"Austria (EU programme)","src":["s7"],"note":"Global group is headquartered in Dubai per press; not confirmed in sources read"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published; privately held exchange"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.bybit.com/en/cards/","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"EEA and Switzerland: Moorwand Ltd (UK) and Harmoniie SAS, per third parties; other regions vary","src":["s8"],"note":"Not confirmed by Bybit's terms, which we could not read. Cryptonoshi (Apr-18, 2025) saw Moorwand and Malta on an EU card. Unverified reports name Bybit Limited (Kazakhstan, BIN 53787211) and HDBank (Vietnam, BIN 536708) for global cards"},"program_manager":{"v":"Bybit","src":["s5"],"note":"Bybit runs the programme; Bybit Payments GmbH's EMI licence is for 'future card initiatives' per its own release"},"licences":{"v":["Bybit EU GmbH: MiCAR crypto-asset service provider, Austria, since May 2025","Bybit Payments GmbH: Electronic Money Institution, Austria (FMA), granted Aug-04, 2026"],"src":["s7"],"note":"The release says card services come later; the licensed entity is not yet named as the card issuer"},"regulator":{"v":"Financial Market Authority (FMA), Austria","src":["s7"],"note":"Applies to the EU entities only"},"card_network":{"v":"Mastercard","src":["s2","s5"],"note":"EU card Mastercard. Global: Mastercard in Australia, Georgia, Kazakhstan, AIFC, Mexico, Argentina; Visa in Asia Pacific, Brazil, Peru"},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s1","s2"]},"launched":{"v":"2023-08","src":["s8"],"note":"Per Cryptonoshi (Apr-18, 2025); Bybit's own pages give no launch date"},"card_kind":{"v":"debit","src":["s8"],"note":"Spends from your Funding Account. Bybit's FAQ labels cards by region as Mastercard credit or prepaid, or Visa credit or prepaid"},"forms":{"v":["virtual","physical"],"src":["s1","s5"],"note":"Virtual first; a physical card needs a virtual card first. Peru has no physical card"},"custody":{"v":"custodial","src":["s5"],"note":"Card has no wallet; it spends the Bybit Funding Account and Flexible Easy Earn balance"},"custody_detail":{"v":"Funds stay on the Bybit exchange account; crypto is sold to the card currency at payment","src":["s5","s6"]},"kyc_level":{"v":"full","src":["s8"],"note":"Identity verification required before issuing"},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":null,"note":"Not covered; personal accounts only"},"settlement_currency":{"v":"EUR (EU card); USD, ARS, BRL, MXN or PEN by region (global card)","src":["s2","s5"]},"card_currencies":{"v":["EUR","USD","ARS","BRL","MXN","PEN"],"src":["s2","s5"]}},"tiers":[{"name":"EU Card (Bybit EU, EEA and Switzerland)","currency":"EUR","is_default":true,"price_monthly":{"v":0,"src":["s2"],"note":"No annual, inactivity or cancellation fee"},"price_annual":{"v":0,"src":["s2"]},"issuance_virtual":{"v":0,"src":["s2"],"note":"No fee until further notice"},"issuance_physical":{"v":0,"src":["s2"],"note":"First issuance free; replacement 5 EUR"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":5,"src":["s2"],"note":"Physical card, EUR"},"staking_required":{"v":0,"src":["s4"]},"other_requirements":{"v":"None for the base rate; cashback tiers above 1% need Bybit VIP status","src":["s4"]},"cashback_rate":{"v":1,"src":["s4"],"note":"Non-VIP base rate under the new mechanism, applied to cards approved after Jun-15, 2026 and to all cards from Aug-04, 2026. VIP 1 to Supreme earn 2% to 10%"},"cashback_asset":{"v":"USDT-equivalent value via Auto Cashback; EUR value of points is 0.002 per point","src":["s4"],"note":"Payout currency is selectable by the user; paid into the Funding Account"},"cashback_cap_monthly":{"v":null},"cashback_eligible_spend":{"v":"Card purchases; the EU page does not restrict to crypto-funded spend","src":["s4"],"note":"The crypto-only rule dated Oct-05, 2026 appears on the global rewards page, not on the Bybit EU page we read"},"cashback_exclusions":{"v":["Fees","Refunded or reversed transactions","ATM withdrawals","Prepaid card and account top-ups (MCC 6540, 6012, 6011, 6555)","Foreign currency, money orders, account funding (MCC 6051)","Money transfer (4829)","Security brokers (6211)","Betting and casino (7995)","E-wallet personal transfers (7299)","Third-party reassignment such as Curve ReFi"],"src":["s4"]},"cashback_vesting":{"v":"Points pending 4 calendar days, then available; no point expiry","src":["s4"]},"points_program":{"v":"Rewards Points, 500 points = 1 EUR","src":["s4"],"note":"Redeemable at Rewards Market or auto-converted to cashback"},"fx_fee":{"v":0.5,"src":["s2"],"note":"On top of Mastercard's rate, on payments in a currency other than EUR. Cryptonoshi (Apr-18, 2025) also listed 0.5%"},"crypto_conversion_fee":{"v":0.9,"src":["s2"],"note":"On top of Bybit EU's One-Click Sell rate, on any payment funded with crypto; minimum conversion 1 EUR/USD"},"topup_fee":{"v":0,"src":["s5"],"note":"The card has no wallet of its own; it draws on the Funding Account and Flexible Easy Earn balance"},"atm_free_monthly":{"v":100,"src":["s2"],"note":"EUR per month"},"atm_fee_pct":{"v":2,"src":["s2"],"note":"After the first 100 EUR each month"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":2000,"src":["s2"],"note":"EUR, all limit tiers"},"atm_limit_monthly":{"v":2000,"src":["s2"],"note":"EUR at Tier 1; 5,000 at Tier 2; 10,000 at Tier 3"},"spend_limit_per_tx":{"v":5000,"src":["s2"],"note":"EUR at Tier 1; 10,000 at Tier 2; 15,000 at Tier 3"},"spend_limit_daily":{"v":5000,"src":["s2"],"note":"EUR at Tier 1; 10,000 at Tier 2; 15,000 at Tier 3"},"spend_limit_monthly":{"v":10000,"src":["s2"],"note":"EUR at Tier 1; 25,000 at Tier 2; 50,000 at Tier 3. Limit upgrades by request, review up to 7 business days"},"spend_limit_annual":{"v":60000,"src":["s2"],"note":"EUR at Tier 1; 125,000 at Tier 2; 250,000 at Tier 3"},"inactivity_fee":{"v":0,"src":["s2"]},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["100% rebate in points on selected subscriptions (TradingView monthly, ChatGPT and others) for VIP users at Tier 2 and above"],"src":["s4"]}},{"name":"Global Card (non-EEA regions)","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s1"],"note":"No annual or inactivity fee"},"price_annual":{"v":0,"src":["s1"]},"issuance_virtual":{"v":0,"src":["s1"],"note":"No fee until further notice"},"issuance_physical":{"v":5,"src":["s1"],"note":"5 USDT in Asia Pacific and Kazakhstan (AIFC); 29.99 USD in Australia; 29.99 USDT in Georgia; 5 USD/USDT in Argentina; free in Brazil and Mexico. VIPs holding an Australia, Kazakhstan, Georgia or Asia Pacific physical card pay nothing"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":5,"src":["s1"],"note":"Same fee as issuance, by region (29.99 in Australia and Georgia)"},"staking_required":{"v":0,"src":["s3"]},"other_requirements":{"v":"None for the base rate; cashback tiers above 2% need Bybit VIP status or monthly spending","src":["s3"]},"cashback_rate":{"v":2,"src":["s3"],"note":"Tier 1 (Base) for non-VIP users. Spending $500 a month unlocks Tier 2 (2%, higher cap); $3,500 unlocks 4%; $9,500 unlocks 6%; $12,500 unlocks 8%; $25,000 unlocks 10%. VIP users start at the tier of their VIP level"},"cashback_asset":{"v":"USDT","src":["s3"],"note":"Auto Cashback converts points to USDT in the Funding Account, minimum 50 points"},"cashback_cap_monthly":{"v":5,"src":["s3"],"note":"USD at Tier 1 (2,500 points). Tier 2: 50; Tier 3: 150; Tier 4: 250; Tier 5: 400; Tier 6: 600"},"cashback_eligible_spend":{"v":"Transactions funded with cryptocurrency only","src":["s3"],"note":"From Oct-05, 2026, 10:00 UTC; spending from a fiat balance earns nothing. Cashback counts when the merchant posts the transaction"},"cashback_exclusions":{"v":["Fees","Refunds and reversals","ATM withdrawals","Fiat-funded transactions"],"src":["s3"]},"cashback_vesting":{"v":"Points pending 4 calendar days, then available","src":["s3"]},"points_program":{"v":"Rewards Points shared between Bybit Card and Bybit Pay, 500 points = 1 USD","src":["s3"],"note":"Cashback is points multiplied by 0.002 USDT"},"fx_fee":{"v":2,"src":["s1"],"note":"On top of Mastercard/Visa rate, in Australia, Asia Pacific, Georgia, Mexico; Kazakhstan (AIFC) charges a 2% international fee on cross-border purchases instead. Brazil 1.5%, Argentina 7%, Peru 1%"},"crypto_conversion_fee":{"v":0.9,"src":["s1"],"note":"On top of Bybit's One-Click Sell rate; 0.5% in Argentina; not supported in Peru; minimum conversion 1 USD"},"topup_fee":{"v":0,"src":["s5"],"note":"No wallet of its own; draws on the Funding Account and Flexible Easy Earn balance"},"atm_free_monthly":{"v":100,"src":["s1"],"note":"USD per month (95,000 ARS, 550 BRL, 100 USD/1,800 MXN elsewhere)"},"atm_fee_pct":{"v":2,"src":["s1"],"note":"After the free monthly amount; Brazil 2%, Argentina 2%"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":3000,"src":["s1"],"note":"USD, Asia Pacific Level 2 and 3. Australia 5,000; Kazakhstan and Georgia 1,000; Level 1 cards have no ATM access"},"atm_limit_monthly":{"v":10000,"src":["s1"],"note":"USD, Asia Pacific, Kazakhstan, Georgia; Australia Level 2 15,000"},"spend_limit_per_tx":{"v":10000,"src":["s1"],"note":"USD, Asia Pacific. Australia 50,000; Kazakhstan 9,000; Argentina 1,000; no per-transaction limit stated elsewhere"},"spend_limit_daily":{"v":10000,"src":["s1"],"note":"USD, Asia Pacific Tier 1; 50,000 at Tier 2; 100,000 at Tier 3"},"spend_limit_monthly":{"v":50000,"src":["s1"],"note":"USD, Asia Pacific Tier 1; 150,000 at Tier 2; 350,000 at Tier 3"},"spend_limit_annual":{"v":150000,"src":["s1"],"note":"USD, Asia Pacific Tier 1; 500,000 at Tier 2; 900,000 at Tier 3"},"inactivity_fee":{"v":0,"src":["s1"]},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["100% rebate in points on ChatGPT Plus, Claude Pro, Netflix, Spotify, TradingView, Financial Times, Shahid and iQIYI for VIP users and non-VIP users at Tier 3 or above","Extra 1% cashback when a purchase is converted to a Pay Later instalment"],"src":["s3"]}}],"funding":{"crypto_assets":{"v":["USDT","USDC","BTC","ETH","MNT","GRAM","XRP"],"src":["s6"],"note":"Default spending priority; up to 3 assets selectable, fiat spending can be switched on. The global FAQ (Sep-03, 2026) omits MNT; the newer consult page includes it"},"chains":{"v":null,"note":"Any network Bybit accepts for deposits; card pages name none"},"fiat_topup":{"v":["Buy Crypto (fiat purchase on Bybit)"],"src":["s5"]},"deposit_fees":{"v":"No top-up fee; funds come from the Funding Account","src":["s5"]},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Funding Account and Flexible Easy Earn balance, fiat first when switched on, then crypto by priority","src":["s5","s6"]}},"payments":{"apple_pay":{"v":"Yes in Argentina, AIFC, Georgia, Kazakhstan, Australia, Brazil, Peru; no in Asia Pacific and Mexico","src":["s5"],"note":"The EU page we read does not list wallets; Cryptonoshi (Apr-18, 2025) said Apple Pay worked on the EU card"},"google_pay":{"v":"Yes in all global regions listed","src":["s5"]},"samsung_pay":{"v":"Australia only, via the Samsung Pay app","src":["s5"]},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":"Works for selected subscriptions with a points rebate; some merchants reject virtual or prepaid cards","src":["s3"]},"restricted_mccs":{"v":["Cashback excluded on prepaid top-ups, money transfer, securities brokers, betting and casino"],"src":["s4"],"note":"These are cashback exclusions, not payment blocks"}},"availability":{"regions":{"v":["EEA","Switzerland","Asia Pacific","Australia","Georgia","Kazakhstan (AIFC)","Argentina","Brazil","Mexico","Peru"],"src":["s1","s2"]},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":null,"note":"Not published by the issuer on the pages we read"},"us_available":{"v":false,"src":["s8"],"note":"Cryptonoshi (Apr-18, 2025); the US is not in Bybit's fee-page regions"},"uk_available":{"v":null,"note":"Cryptonoshi listed the UK in Apr-2025; not confirmed by Bybit's current pages"},"eea_available":{"v":true,"src":["s2"]}},"account_features":{"iban":{"v":false,"src":["s8"],"note":"Cryptonoshi (Apr-18, 2025): no bank account offered"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Flexible Easy Earn balance can be spent, rate not read"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Pay Later instalments on card purchases","src":["s3"]}},"security":{"card_freeze":{"v":true,"src":["s8"],"note":"Virtual card can be frozen (Cryptonoshi, Apr-18, 2025)"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/bybit-new-financial-platform/id1488296980","src":["s9"]},"ios_rating":{"v":4.7,"src":["s9"],"note":"Rating of the main Bybit app, US store, 4.69"},"ios_rating_count":{"v":46925,"src":["s9"]},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":true,"src":["s6"],"note":"Card dashboard on the website"},"support_channels":{"v":["Live chat","Email","Web form"],"src":["s8"],"note":"Cryptonoshi (Apr-18, 2025) tested all three; replies took from 4 minutes to 9 days"},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Cards blocked and questionnaires sent about subscription payments","Slow and inconsistent customer support","Cashback cut for ordinary users (base rate 1% in the EU, 2% capped at $5 abroad)"],"src":["s8","s11"],"note":"Block reports are user reports in the Finek chat, unverified"},"common_praise":{"v":["Low 0.5% FX fee on the EU card","Large ATM allowance","Works with Apple Pay in many regions"],"src":["s2","s5"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":null,"note":"Not published"},"onchain_spend_last_month_usd":{"v":null,"note":"Not published"}},"incidents":[{"date":"2025-02","type":"hack","summary":"Bybit lost about 1.5 billion USD of ETH from a cold wallet in a hack attributed to North Korea's Lazarus Group; the exchange said it covered the loss and stayed solvent.","src":["s10"]},{"date":"2025-10","type":"freeze","summary":"A user reported a Bybit card blocked, then asked to explain why a charge was attempted, despite visible subscription attempts.","src":["s11"]},{"date":"2026-06","type":"fee change","summary":"Bybit EU moved the card to a new cashback mechanism: 1% with no cap for non-VIP users, tiers 2% to 10% for VIP only; cards approved before Jun-03, 2026 moved on Aug-04, 2026.","src":["s4"]},{"date":"2026-10","type":"fee change","summary":"From Oct-05, 2026 only crypto-funded transactions earn Bybit Card points or cashback on the global site; fiat-funded spend earns nothing.","src":["s3"]}],"referral":{"user_referral_program":{"v":null,"note":"Referral links circulate but terms not read"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"Australia","field":"tiers[1].spend_limit_monthly","v":150000,"src":["s1"]},{"region":"Georgia","field":"tiers[1].spend_limit_monthly","v":65000,"src":["s1"]},{"region":"Kazakhstan (AIFC)","field":"tiers[1].spend_limit_monthly","v":65000,"src":["s1"]},{"region":"Argentina","field":"tiers[1].fx_fee","v":7,"src":["s1"]},{"region":"Argentina","field":"tiers[1].crypto_conversion_fee","v":0.5,"src":["s1"]},{"region":"Brazil","field":"tiers[1].fx_fee","v":1.5,"src":["s1"]}],"extra":[{"key":"vip_cashback_tiers","label":"Cashback by VIP level","v":"VIP 1-2: 2% (cap $50); VIP 3: 4% ($150); VIP 4: 6% ($250); VIP 5: 8% ($400); Supreme VIP and Pro 3-5: 10% ($600). EU tiers cap in EUR; tier benefits need VIP status","src":["s3","s4"]},{"key":"pay_later_bonus","label":"Pay Later bonus","v":"Extra 1% cashback on crypto-funded purchases converted to instalments, separate monthly cap ($5 at Tier 1 up to $500 at Tier 6)","src":["s3"]},{"key":"two_programmes","label":"Two card programmes","v":"EU cards (Bybit EU) and global cards have different fees, cashback and issuers; pick by country of residence","src":["s1","s2"]},{"key":"card_validity","label":"Card validity","v":"3 years in AIFC, Georgia, Kazakhstan, Asia Pacific, Australia; 5 to 6 years in Argentina, Brazil, Mexico, Peru","src":["s5"]},{"key":"taxes","label":"Local taxes","v":"Argentine cards carry 21% VAT on digital services and 30% income tax on foreign payments; Brazil also taxes","src":["s5"]}],"tests":[{"metric":"conversion_spread","value":0.25,"text":"Sell spread about 0.25% on top of the 0.9% conversion fee, EU card, Apr-2025 review","tester":"Cryptonoshi","date":null,"src":["s8"]}],"sources":[{"id":"s1","url":"https://www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card","title":"Fees and Limits (Bybit Card), global site, updated Sep-10, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://www.bybit.eu/en-EU/help-center/article/Fees-and-Spending-Limits-Bybit-Card","title":"Fees and Limits (Bybit Card), Bybit EU site, updated Oct-08, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://www.bybit.com/en/help-center/article/Introduction-to-Bybit-Card-Rewards","title":"Introduction to Bybit Card Rewards, global site, updated Oct-30, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://www.bybit.eu/en-EU/help-center/article/Introduction-to-Bybit-Card-Rewards","title":"Introduction to Bybit Card Rewards, Bybit EU site, updated Aug-18, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://www.bybit.com/en/help-center/article/FAQ-Bybit-Card-General-Inquiries","title":"FAQ, Bybit Card General Inquiries, updated Sep-03, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://www.bybit.com/en/help-center/article/How-to-Consult-Your-Bybit-Card-and-Spending-Information","title":"How to consult your Bybit Card and spending information, updated Oct-22, 2026","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://persportaal.anp.nl/artikel/CSN-040826109/bybiteu-expands-european-offering-as-bybit-payments-gmbh-secures-electronic-money-institution-licence","title":"Bybit.eu press release: Bybit Payments GmbH secures EMI licence, Aug-04, 2026","publisher":"press","accessed":"2026-11-05"},{"id":"s8","url":"https://cryptonoshi.com/product/bybit-card/","title":"Cryptonoshi review of Bybit Card (Last Updated Apr-18, 2025)","publisher":"review","accessed":"2026-11-05"},{"id":"s9","url":"https://apps.apple.com/us/app/bybit-new-financial-platform/id1488296980","title":"Bybit: New Financial Platform, App Store (US)","publisher":"app store","accessed":"2026-11-05"},{"id":"s10","url":"https://www.techtarget.com/cybersecurity/news/366619872/FBI-Lazarus-Group-behind-15-billion-Bybit-heist","title":"FBI: Lazarus Group behind $1.5 billion Bybit heist","publisher":"press","accessed":"2026-11-05"},{"id":"s11","url":"https://t.me/c/1916527029/118851","title":"Finek chat, user report, Oct-12, 2026","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":10,"reason":"Bybit EU GmbH holds an Austrian MiCAR crypto licence and Bybit Payments GmbH an Austrian e-money licence from Aug-04, 2026, but the release ties card services to the future and no card issuer is confirmed by Bybit. Global cards have no licence we could verify.","src":["s7"]},"custody":{"points":8,"reason":"Custodial: the card has no wallet and spends the user's exchange Funding Account. No segregation or protection scheme is stated on the pages read.","src":["s5"]},"incidents":{"points":9,"reason":"Bybit lost about 1.5 billion USD in a Feb-2025 hack and said it covered the loss. Users also report blocked cards.","src":["s10","s11"]},"track_record":{"points":11,"reason":"Card live since about Aug-2023 on a large exchange. Card volume is not published.","src":["s8","s9"]},"transparency":{"points":7,"reason":"Detailed per-region fee, limit and cashback pages with update dates, but the issuer is not named and the EU and global rules differ.","src":["s1","s2"]},"support":{"points":4,"reason":"A review found replies from 4 minutes to 9 days with an average score of 5.8 out of 10; the study dates from Apr-2025.","src":["s8"]}},"trustPoints":49,"grade":"D","confidence":89,"best":{"tier":"EU Card (Bybit EU, EEA and Switzerland)","net":-1.4210854715202004e-14,"pctOfSpend":-1.1842378929335003e-16,"lines":[{"label":"Rewards you can spend","usd":120},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-12},{"label":"Fees on every purchase","usd":-108.00000000000001},{"label":"Cost of locked money","usd":0}]},"score":53,"website":"https://www.bybit.com/en/cards/","inactive":false},{"slug":"tuyo","name":"Tuyo Card","brand":"Tuyo","checked":"2026-11-05","summary":"Tuyo is a self-custody stablecoin app with a virtual Visa card that spends USDC on Base and a USD/EUR account via Bridge. The card has no monthly or issuance fee, 0% on US dollar purchases and up to 2% on foreign ones, and rewards are points rather than a fixed cashback.","company":{"legal_entity":{"v":null,"note":"Not named on pages checked"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://tuyo.com","src":["s4"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Nimbus (Rain program)","src":["s5","s3"],"note":"Issuer terms do not name the issuer on the pages read; Finek and Paymentscan name Rain as the card provider, with Nimbus as issuing entity under a Puerto Rico money transmitter licence per Finek"},"program_manager":{"v":"Rain","src":["s3","s5"]},"licences":{"v":["Money transmitter licence, Puerto Rico (per Finek, held by issuer)"],"src":["s5"],"note":"Third-party statement only; licence number not found"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s1","s3"]},"card_product_level":{"v":"Visa Platinum","src":["s11"],"note":"Per a third-party review; not stated by the issuer"}},"product":{"status":{"v":"live","src":["s1","s4"]},"launched":{"v":"2025-02","src":["s3"]},"card_kind":{"v":"debit","src":["s11"],"note":"Third-party review says it is classed as credit on the back end; Tuyo calls it a card spending from your USDC balance"},"forms":{"v":["virtual"],"src":["s1","s2"],"note":"Physical card coming soon"},"custody":{"v":"self-custody","src":["s2"],"note":"Help centre says Tuyo is self-custodial"},"custody_detail":{"v":"Funds stay in the user's control until the moment of spending; Earn strategy balances can also be spent. Account bans have not blocked withdrawals in at least one reported case","src":["s2","s7"]},"kyc_level":{"v":"full","src":["s2"]},"kyc_documents":{"v":null,"note":"Identity document; unsupported occupation codes and ID types can be rejected"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s1"],"note":"Page describes personal use only; business plans not covered here"},"settlement_currency":{"v":"USD","src":["s1","s2"]},"card_currencies":{"v":["USD"],"src":["s1","s2"]}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1","s2"]},"price_annual":{"v":0,"src":["s1","s2"],"note":"No annual fee published"},"issuance_virtual":{"v":0,"src":["s1","s2"]},"issuance_physical":{"v":null,"note":"Physical card listed as coming soon"},"shipping":{"v":null,"note":"No physical card yet"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"No staking or lock required"},"other_requirements":{"v":"Identity verification (KYC) for the card; a separate bank-account KYC","src":["s2","s3"],"note":"Card KYC can be rejected for unclear photos or unsupported occupation codes; resubmitting often works"},"cashback_rate":{"v":null,"note":"No fixed cashback on the issuer pages checked. A user report in Finek chat says Tuyo announced a 1.5% cashback from Nov-01, 2026; not confirmed by the issuer"},"cashback_asset":{"v":"TUYO points (no cash value yet)","src":["s3","s11"],"note":"Roughly 0.5 points per $1 spent in third-party tests; redemption not available"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":"TUYO points earned from card spend, trading, Earn balances and referrals; points have no stated cash value","src":["s11","s3"],"note":"Third-party description; issuer terms for points not read"},"fx_fee":{"v":1,"src":["s1","s2"],"note":"1% on non-USD purchases, plus a 1% abroad fee from the card provider on purchases outside the US, up to 2% combined. Paymentscan measured about 0.35-0.4% on a real non-USD payment, below the advertised fee"},"crypto_conversion_fee":{"v":0,"src":["s1"],"note":"Converting other tokens to Base USDC in the app is reported to be free; network fees may apply. Card spends USDC on Base"},"topup_fee":{"v":null,"note":"No deposit fee published; network fees may apply"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":null,"note":"Not published"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Up to 3 attempts per rolling 24 hours per Paymentscan"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":50000,"src":["s1","s2"],"note":"Starts at $50,000 per day, rising to $100,000 and $200,000 as spending grows; changeable in the app"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Visa card benefits (not confirmed by the issuer)","Apple Pay and Google Pay","Personal USD and EUR bank accounts via Bridge","Earn: up to 4.0% APY on USD balance"],"src":["s4","s11"],"note":"Visa benefits are per a third-party review; Buy Now, Pay Maybe reported closing Oct-31, 2026 per a user report"}}],"funding":{"crypto_assets":{"v":["USDC"],"src":["s2"],"note":"Any token on supported networks can be deposited and converted to Base USDC; no ticker list published"},"chains":{"v":["Base","Ethereum","Arbitrum","Optimism","Polygon"],"src":["s2"],"note":"Paymentscan lists BNB Smart Chain instead of Optimism"},"fiat_topup":{"v":["Apple Pay","Debit or credit card","Linked US bank account","USD bank transfer","SEPA"],"src":["s4","s3"],"note":"Home page lists own bank details, Apple Pay card top-up, linked bank and USDC; SPEI and Coinbase per Paymentscan only"},"deposit_fees":{"v":null,"note":"No deposit fee published; network fees may apply"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"USDC balance on Base (Earn balance can be used if enabled)","src":["s2"]}},"payments":{"apple_pay":{"v":true,"src":["s1","s2"],"note":"Apple or Google may refuse adding the card after risk checks"},"google_pay":{"v":true,"src":["s1","s2"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s1"],"note":"Via Apple Pay or Google Pay; no physical card"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["Worldwide except restricted countries","US"],"src":["s3","s1"],"note":"Not available in the UK; issuance restricted in some countries and US states"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Issuer list not found; a third-party review lists 210+ countries"},"countries_excluded":{"v":null,"note":"UK confirmed unavailable per Paymentscan; other restrictions not listed"},"us_available":{"v":true,"src":["s1"],"note":"Separate US cardholder agreement exists"},"uk_available":{"v":false,"src":["s3"]},"eea_available":{"v":true,"src":["s10"],"note":"EUR account via SEPA offered; Finek reports it works for EU residents"}},"account_features":{"iban":{"v":"Personal USD account (ACH, Fedwire) and EUR account with IBAN via Bridge","src":["s4","s10"]},"local_accounts":{"v":["USD","EUR"],"src":["s4","s10"],"note":"MXN per Paymentscan"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Third-party review says withdrawals to USD, EUR and MXN bank accounts; issuer terms not found"},"yield_on_balance":{"v":4,"src":["s4"],"note":"Up to 4.0% APY on USD balance, depending on chosen strategy; rate varies"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":["USD","EUR"],"src":["s4"]},"other":{"v":"Invest in BTC, ETH and curated DeFi strategies; AI integrations in early access","src":["s4"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":4.5,"src":["s4"],"note":"Home page claims 4.5+ rating; store listing not checked"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English"],"src":["s11"]},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["In-app chat","Email"],"src":["s11"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Account closed after a risk review in a reported case, with referral points lost (resolved as Tuyo error but not restored)","Some users report ID verification rejected for certain residence permits or documents","Rewards changed more than once: cashback promotions and Buy Now, Pay Maybe ended"],"src":["s6","s7","s9"],"note":"Public Finek posts and one user chat report"},"common_praise":{"v":["Good exchange rates between USD and EUR per Finek","Self-custody means funds could be withdrawn after account closure"],"src":["s7","s5"]}},"adoption":{"users_claimed":{"v":"100K+","src":["s4"],"note":"Home page claim"},"onchain_spend_all_time_usd":{"v":22670000,"src":["s3"],"note":"Feb 2025 to Nov 2026 per Paymentscan; settlements are batched"},"onchain_spend_last_month_usd":{"v":2113000,"src":["s3"],"note":"Oct 2026 per Paymentscan; peak month was Aug 2026 at $2.22M"}},"incidents":[{"date":"2026-08","type":"freeze","summary":"A user with a public Finek channel reported his Tuyo account was closed after a risk-based review; Tuyo later admitted the error but could not restore the account, though funds could be withdrawn.","src":["s6","s7"]},{"date":"2026-10","type":"fee change","summary":"A user report says Tuyo's Buy Now, Pay Maybe feature closes Oct-31, 2026, replaced from Nov-01 by a flat 1.5% cashback (not confirmed by the issuer).","src":["s9"]},{"date":"2026-08","type":"freeze","summary":"Users in the Finek chat reported cards and accounts closed for people who withdrew cash, suggesting a clean-up; not verified.","src":["s12"]}],"referral":{"user_referral_program":{"v":"Referral link with a $10 bonus after 5 card payments of $5+ on separate days (Aug-2026); referrers earn a share of referees' points","src":["s8","s11"],"note":"Bonus terms from Finek and a review, not the issuer"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"bridge_accounts","label":"Bank accounts","v":"Personal USD (Lead Bank, ACH/Fedwire) and EUR (SEPA) accounts provided through Bridge; Finek reports a move to Luxembourg personal IBANs in Sep-2026","src":["s10","s11"]},{"key":"bin_country","label":"Card BIN country","v":"Puerto Rico (Visa BIN 45492406)","src":["s11","s5"]},{"key":"atm_support","label":"ATM withdrawals","v":"Help page: up to $250 per withdrawal at Visa ATMs with a PIN; third-party sources disagree, and the physical card is not yet available","src":["s2","s3"]},{"key":"buy_now_pay_maybe","label":"Buy Now, Pay Maybe","v":"Random purchases covered by Tuyo, launched May-07, 2026 per a review; a user report says it closes Oct-31, 2026","src":["s11","s9"]}],"tests":[{"metric":"fx_markup","value":0.38,"text":"About 0.35-0.4% over the mid rate on a non-USD payment, plus a $0.01 cross-border fee; lower than the advertised 1% FX fee","tester":"Paymentscan","date":null,"src":["s3"]},{"metric":"conversion_spread","value":0,"text":"USDC to USD at 1:1 with no sell spread observed","tester":"Cryptonoshi review","date":"2026-11-04","src":["s11"]},{"metric":"other","value":null,"text":"About 0.5 TUYO points earned per $1 spent; points could not be redeemed","tester":"Paymentscan","date":null,"src":["s3"]}],"sources":[{"id":"s1","url":"https://tuyo.com/card","title":"Tuyo Card page","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://intercom.help/tuyo/en/articles/15932844-tuyo-card","title":"Tuyo help: Tuyo card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://paymentscan.xyz/cards/tuyo","title":"Tuyo Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s4","url":"https://tuyo.com","title":"Tuyo home page","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://t.me/bankandfintech/798","title":"Finek: crypto card issuers overview","publisher":"community","accessed":"2026-11-05"},{"id":"s6","url":"https://t.me/bankandfintech/859","title":"Finek, Aug-14, 2026: account closed after risk review","publisher":"community","accessed":"2026-11-05"},{"id":"s7","url":"https://t.me/bankandfintech/861","title":"Finek, Aug-15, 2026: Tuyo admits error, account not restored","publisher":"community","accessed":"2026-11-05"},{"id":"s8","url":"https://t.me/bankandfintech/841","title":"Finek, Aug-01, 2026: Tuyo referral bonus","publisher":"community","accessed":"2026-11-05"},{"id":"s9","url":"https://t.me/c/1916527029/257822","title":"Finek chat, user report, Oct-19, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s10","url":"https://t.me/bankandfintech/904","title":"Finek, Sep-08, 2026: Bridge personal IBANs","publisher":"community","accessed":"2026-11-05"},{"id":"s11","url":"https://cryptonoshi.com/product/tuyo-card/","title":"Tuyo Card review (Last Updated Nov-04, 2026)","publisher":"review","accessed":"2026-11-05"},{"id":"s12","url":"https://t.me/c/1916527029/230679","title":"Finek chat, user report, Aug-13, 2026","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":7,"reason":"Card is issued by Nimbus on Rain's programme under a Puerto Rico money transmitter licence per Finek; Tuyo itself names no licence and its legal entity is not public.","src":["s5","s3"]},"custody":{"points":14,"reason":"Help centre says the app is self-custodial and funds stay under user control until spent; a banned user could still withdraw. Earn balances add some strategy risk.","src":["s2","s7"]},"incidents":{"points":12,"reason":"A wrongful account closure was admitted by Tuyo but not reversed, and a reported wave of closures and the end of Buy Now, Pay Maybe add some doubt.","src":["s6","s7","s12"]},"track_record":{"points":5,"reason":"Live since Feb 2025 with about $22.7M total card volume and about $2M a month, small by market share.","src":["s3"]},"transparency":{"points":4,"reason":"Fee page is clear, but issuer, entity and cardholder terms are not easily readable and rewards have changed several times.","src":["s1","s2"]},"support":{"points":6,"reason":"In-app chat and email; third-party tests found replies from 34 minutes to about 10 hours, but a banned user got little help at first.","src":["s7","s11"]}},"trustPoints":48,"grade":"D","confidence":79,"best":{"tier":"Standard","net":-9.600000000000001,"pctOfSpend":-0.08000000000000002,"lines":[{"label":"Rewards you can spend","usd":0,"note":"$0 paid in points, counted at 50%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-9.600000000000001},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":51,"website":"https://tuyo.com","inactive":false},{"slug":"hyperbeat","name":"Hyperbeat Pay Card","brand":"Hyperbeat","checked":"2026-11-05","summary":"Hyperbeat Pay is a self-custodial Visa card on Hyperliquid's HyperEVM, issued by Third National, that spends a stablecoin balance (Cash Mode) or borrows against crypto collateral (Credit Mode). The virtual card is free; cashback is 0.2% to 1.0% paid in WHYPE, with 3% to 12% on capped spend for heavy Hyperbeat traders.","company":{"legal_entity":{"v":"Zoeion Ltd Corporation (app developer listed as Beater FND)","src":["s1","s14"]},"hq_country":{"v":"Panama","src":["s17"],"note":"Third-party record; the issuer's pages give no country"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://hyperbeat.org","src":["s19"]},"x_handle":{"v":"@hyperbeat","src":["s19"]},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Third National","src":["s1","s13"],"note":"Named in the issuer's card terms and Terms of Use. A third-party BIN lookup points to a different name (Nimbus); the issuer's own documents were used"},"program_manager":{"v":"Hyperbeat (Zoeion Ltd Corporation)","src":["s1"]},"licences":{"v":null,"note":"Not published; terms say the card is issued under licence from Visa"},"regulator":{"v":null,"note":"Not published; terms name BANEX Microfinance Bank Limited only as marketing institution for Nigerian users"},"card_network":{"v":"Visa","src":["s1","s19"]},"card_product_level":{"v":"Visa Signature","src":["s17"],"note":"Third-party record; the help centre has a Visa Signature benefits article"}},"product":{"status":{"v":"live","src":["s8","s14"],"note":"Virtual card is issued in the app; physical card is listed as coming soon"},"launched":{"v":"2026-01","src":["s15"],"note":"Per Paymentscan; the issuer does not state a launch date"},"card_kind":{"v":"secured credit","src":["s1","s18"],"note":"Card terms read like a credit card (0% purchase APR, late-payment fees) but Cash Mode spends your own stablecoin balance and Credit Mode borrows against your collateral"},"forms":{"v":["virtual"],"src":["s8","s6"],"note":"Physical card listed as coming soon; no metal card mentioned"},"custody":{"v":"self-custody","src":["s11","s13"],"note":"Credit Mode collateral sits in escrow smart contracts"},"custody_detail":{"v":"Wallet is created at sign-up, keys handled through Turnkey with email recovery and key export; Hyperbeat says it cannot freeze or move the wallet. Spending is settled by an operator within an on-chain allowance","src":["s11","s16"],"note":"Settlement detail is from a review"},"kyc_level":{"v":"full","src":["s9"]},"kyc_documents":{"v":"Passport (preferred), national ID or driving licence; selfie liveness check; proof of address in some regions","src":["s9"]},"kyc_time":{"v":"About 2 minutes if documents are correct","src":["s9"]},"min_age":{"v":"Adult of legal age in the country of residence","src":["s13"]},"business_cards":{"v":false,"src":["s1"],"note":"Terms limit use to personal, family or household purposes"},"settlement_currency":{"v":"USD","src":["s5"],"note":"Cash Mode limit equals your USD balance"},"card_currencies":{"v":["USD"],"src":["s2","s3"],"note":"Non-USD purchases carry an FX fee"}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s2","s6"],"note":"No monthly fee in the fee list; virtual card issuance is free"},"price_annual":{"v":0,"src":["s2","s6"],"note":"No annual fee in the fee list"},"issuance_virtual":{"v":0,"src":["s6"]},"issuance_physical":{"v":null,"note":"Not published; help centre lists the physical card as coming soon"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s4"],"note":"No staking or minimum deposit needed for the base cashback rate"},"other_requirements":{"v":"Identity verification; not a US citizen (card terms); live in a supported country","src":["s1","s7","s9"],"note":"Card terms say the card is for people outside the US, while the help centre lists some US states; see availability"},"cashback_rate":{"v":0.2,"src":["s4"],"note":"Base rate on all card spend; four boosters of +0.20 pt each raise it to 1.0%; separate trader tiers 3-12% on capped spend"},"cashback_asset":{"v":"WHYPE (wrapped HYPE), calculated in USD","src":["s4"],"note":"Paid automatically within 48 hours of the transaction clearing"},"cashback_cap_monthly":{"v":null,"note":"No cap on the everyday rate; trader tiers cap rewarded spend at $3,300 to $41,700 over a rolling 30 days"},"cashback_eligible_spend":{"v":"All card spend, net of refunds; credit and cash mode earn the same","src":["s4"]},"cashback_exclusions":{"v":"ATM withdrawals, wire transfers and financial-instrument purchases","src":["s16"],"note":"Exclusion list is from a review, not the issuer's cashback article"},"cashback_vesting":{"v":"None stated; paid within 48 hours of clearing","src":["s4"]},"points_program":{"v":null,"note":"Hyperbeat has a separate Hearts points programme; its link to the card was not read"},"fx_fee":{"v":1,"src":["s3","s2"],"note":"Issuer states 0.4% to 1% over Visa's rate; 1% is the top of the range. Paymentscan measured about 1.57% gross on one tiny PLN purchase (see tests). Card terms allow up to 3% FX plus up to 3% cross-border"},"crypto_conversion_fee":{"v":null,"note":"Not published"},"topup_fee":{"v":"Fiat: ACH 0.12% + $0.25; Fedwire 0.12% + $18; SWIFT 0.12% + $35; SEPA 0.2% + EUR 1. Crypto: network cost only","src":["s10"],"note":"Crypto deposit fees not stated by the issuer"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":0.65,"src":["s2"],"note":"Plus $1 per withdrawal; ATM operators may add their own fee"},"atm_fee_fixed":{"v":1,"src":["s2"],"note":"Balance inquiry and declined ATM transaction cost $0.60 each; ATM use is blocked in North Korea, Iran and Myanmar"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Can be set by the user per card; no default published"},"spend_limit_daily":{"v":null,"note":"Can be set by the user per card; no default published"},"spend_limit_monthly":{"v":100000,"src":["s5","s2"],"note":"Default and maximum per card; the user can only lower it. In credit mode the available limit is also capped by collateral value"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":0.6,"src":["s2"],"note":"Applies to declined ATM transactions; no decline fee for purchases is listed"},"perks":{"v":["Visa Signature benefits (help centre article)","Visa Airport Companion app access (help centre article)","Agent cards with controlled limits for automated spending (review)"],"src":["s20","s16"],"note":"Perk articles were seen as titles only, not opened"}}],"funding":{"crypto_assets":{"v":["USDC","USDT","BTC","ETH","SOL"],"src":["s14","s12"],"note":"Credit Mode collateral list is set by Hyperbeat and also includes HYPE and other assets per reviews"},"chains":{"v":["HyperEVM","Bitcoin","Ethereum","Solana"],"src":["s12","s15"],"note":"Native BTC, ETH and SOL deposits on their own chains; withdrawals go to HyperEVM as UBTC, UETH or USOL"},"fiat_topup":{"v":["ACH","Fedwire","SWIFT","SEPA"],"src":["s10"],"note":"Fiat is converted to USDC in the vault per Terms of Use; SWIFT was under maintenance during a Paymentscan test"},"deposit_fees":{"v":"ACH 0.12% + $0.25; Fedwire 0.12% + $18; SWIFT 0.12% + $35; SEPA 0.2% + EUR 1","src":["s10"]},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Cash Mode: USD balance in your Liquid Bank account; Credit Mode: stablecoins borrowed against your collateral","src":["s5","s13"]}},"payments":{"apple_pay":{"v":true,"src":["s8","s15"]},"google_pay":{"v":true,"src":["s8","s15"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published; the card is virtual-only at present"},"online_subscriptions":{"v":null,"note":"Not published; a help article on unauthorised merchant categories exists but was not read"},"restricted_mccs":{"v":"Cash-like transactions (foreign currency, wire transfers, crypto, lottery, casino chips, betting, P2P transfers) may be limited; internet gambling can be denied. Cash advances and balance transfers are not available","src":["s1"]}},"availability":{"regions":{"v":["LATAM","APAC","MEA","Caribbean","US (some states)","Europe (unspecified)"],"src":["s7"]},"countries_supported_count":{"v":null,"note":"Not published; help centre lists about 50 countries or territories plus 35 US states"},"countries_supported":{"v":null,"note":"Help centre lists country names, not ISO codes; see the help centre page"},"countries_excluded":{"v":["CA-ON"],"src":["s13"],"note":"Terms exclude Ontario, Canada; another help article lists regions where the card is not available"},"us_available":{"v":null,"note":"Card terms say the card is for people outside the US and users attest they are not US citizens, while the help centre lists 35 US states; unclear"},"uk_available":{"v":null,"note":"Not named in the help centre; a third-party record says UK residents are eligible"},"eea_available":{"v":null,"note":"The help centre lists only 'Europe' without countries"}},"account_features":{"iban":{"v":null,"note":"Help centre has IBAN transfer articles; not read"},"local_accounts":{"v":["USD (ACH, Fedwire)","EUR (SEPA)"],"src":["s10"],"note":"Fiat deposit rails; whether a personal account number is issued was not checked"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Help centre has fiat withdrawal articles; not read"},"yield_on_balance":{"v":8,"src":["s15"],"note":"USD+ savings vault advertises up to 8% APY, variable and not guaranteed; the issuer's USD+ article was not read"},"crypto_loans":{"v":true,"src":["s13","s18"],"note":"Credit Mode borrows stablecoins via third-party lending protocols against collateral; interest set by the protocol, no grace period"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Savings vault USD+; trade integration with Hyperliquid","src":["s18","s15"]}},"security":{"card_freeze":{"v":true,"src":["s20"],"note":"Help centre has an article on blocking or freezing a lost card; article not opened"},"two_factor":{"v":"Passkey sign-in with email verification","src":["s19","s14"]},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published; the custody article does not mention insurance"},"audits":{"v":"Independent audits of the account contracts, reports on GitHub (0xhyperbeat/Audits); reviews name Zellic and Nethermind","src":["s11","s16"],"note":"Audit firm names are from a review"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/hyperbeat-pay/id6761489730","src":["s14"]},"ios_rating":{"v":2.8,"src":["s14"],"note":"Only 5 ratings"},"ios_rating_count":{"v":5,"src":["s14"],"note":"SpendNode counted 4 earlier"},"android_url":{"v":null,"note":"Not found"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","Simplified Chinese","Spanish","French","Indonesian","Korean","Brazilian Portuguese","Turkish"],"src":["s14"]},"web_app":{"v":true,"src":["s18"],"note":"Docs describe signing up and configuring the card from the Hyperbeat Pay page"},"support_channels":{"v":["In-app chat (Beater Support)","support@hyperbeat.org","Help centre (help.hyperbeat.org)"],"src":["s1","s13"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not found"},"trustpilot_reviews":{"v":null,"note":"Not found"},"common_complaints":{"v":null,"note":"No specific reports found"},"common_praise":{"v":null,"note":"No specific reports found"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":3713000,"src":["s15"],"note":"Paymentscan total volume with 89,441 transactions across 1,638 addresses"},"onchain_spend_last_month_usd":{"v":null,"note":"Paymentscan shows a peak of $726.7K in Sep-2026; October figure not read from the page"}},"incidents":[{"date":"2026-08","type":"fee change","summary":"Cashback restructured to a 0.2%-1.0% everyday rate with boosters plus 3%-12% trader tiers on capped spend, paid in WHYPE (issuer help article dated Aug-06, 2026).","src":["s4"]}],"referral":{"user_referral_program":{"v":true,"src":["s20"],"note":"Help centre lists a sign-up bonus article (the campaign ended Aug-24, 2026) and referral links exist; terms not read"},"affiliate_program":{"v":true,"src":["s20"],"note":"Help centre lists an article 'How does the affiliate program work?'; not opened"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"cashback_boosters","label":"Everyday cashback boosters","v":"Base 0.20%. Add 0.20 pt each for holding $1,000 USD/USD+, holding $10,000, spending $1,000 in the last 30 days, spending $10,000: maximum 1.00%","src":["s4"]},{"key":"cashback_trader_tiers","label":"Trader cashback tiers (rolling 30-day Hyperbeat trading volume)","v":"$1M: 3% on up to $3,300 spend; $5M: 5% up to $10,000; $10M: 8% up to $12,500; $25M: 10% up to $25,000; $50M+: 12% up to $41,700. Higher of trader or everyday rate applies per dollar; no stacking","src":["s4"]},{"key":"purchase_apr","label":"Purchase APR","v":"0% on purchases; the terms say interest may be introduced later with notice","src":["s1"]},{"key":"card_fees_other","label":"Other card fees in the terms","v":"Late payment up to $40; returned payment up to $29; liquidation penalty up to $35 (listed in the disclosures, marked reserved in section 6.1); fees can change on 30 days' notice. Card terms allow FX up to 3% and cross-border up to 3%, higher than the help centre's 0.4%-1%","src":["s1"]},{"key":"credit_mode","label":"Credit Mode","v":"Borrow stablecoins against collateral; loan-to-value and liquidation thresholds are set by the lending protocol; liquidation may happen automatically without notice and any shortfall stays with the user; borrowing interest is variable with no grace period","src":["s13","s16"]},{"key":"max_cards","label":"Maximum virtual cards","v":"5 per the fee article, 20 per the issuance article; the issuer's pages disagree","src":["s2","s6"]},{"key":"chargeback_window","label":"Dispute window","v":"60 days after the charge posts","src":["s1"]},{"key":"governing_law","label":"Governing law and disputes","v":"Puerto Rico law; AAA arbitration in New York; class actions waived","src":["s1"]},{"key":"issuer_suspend","label":"Suspension right","v":"Hyperbeat or the issuer can suspend or cancel card access at any time, with or without cause or notice","src":["s1"]}],"tests":[{"metric":"fx_markup","value":1.57,"text":"About 1.57% gross over the rate on a single PLN 1.20 purchase (about 1.32% after 0.25% cashback); one tiny test, not a published rate","tester":"Paymentscan","date":null,"src":["s15"]}],"sources":[{"id":"s1","url":"https://hyperbeat.org/card-terms","title":"Hyperbeat Spend Card Terms (effective Nov-27, 2025)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://help.hyperbeat.org/en/articles/12674592-what-are-the-rates-and-fees-for-consumer-hyperbeat-pay-cards","title":"Help centre: rates and fees for consumer cards (Mar-18, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://help.hyperbeat.org/en/articles/12674564-what-s-the-foreign-exchange-fx-rate-on-hyperbeat-pay-purchase-transactions","title":"Help centre: FX rate on purchases (Mar-18, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://help.hyperbeat.org/en/articles/16212140-how-does-cashback-work-on-hyperbeat-pay","title":"Help centre: how cashback works (Aug-06, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://help.hyperbeat.org/en/articles/13399518-what-is-my-spending-limit","title":"Help centre: spending limit","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://help.hyperbeat.org/en/articles/16086494-how-much-does-it-cost-to-issue-a-virtual-card","title":"Help centre: cost to issue a virtual card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://help.hyperbeat.org/en/articles/13512812-in-which-countries-is-hyperbeat-pay-available","title":"Help centre: countries where Hyperbeat Pay is available","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://help.hyperbeat.org/en/articles/12674545-how-do-i-get-a-hyperbeat-pay-card","title":"Help centre: how to get a card (Dec-16, 2025)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://help.hyperbeat.org/en/articles/12674550-identity-verification-process-and-requirements-for-hyperbeat-pay","title":"Help centre: identity verification","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://help.hyperbeat.org/en/articles/14107006-what-are-the-fees-for-fiat-deposits","title":"Help centre: fees for fiat deposits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://help.hyperbeat.org/en/articles/16019217-can-hyperbeat-steal-freeze-or-lock-my-funds","title":"Help centre: can Hyperbeat steal, freeze or lock my funds","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://help.hyperbeat.org/en/articles/12981456-native-crypto-deposits","title":"Help centre: native crypto deposits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s13","url":"https://hyperbeat.org/terms","title":"Hyperbeat Terms of Use (last updated Mar-01, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s14","url":"https://apps.apple.com/us/app/hyperbeat-pay/id6761489730","title":"Hyperbeat Pay on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s15","url":"https://paymentscan.xyz/cards/hyperbeat","title":"Hyperbeat on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s16","url":"https://www.spendnode.io/crypto-cards/hyperbeat-pay-card/","title":"SpendNode review of Hyperbeat Pay (affiliate site; August 2026 test)","publisher":"other","accessed":"2026-11-05"},{"id":"s17","url":"https://ucardradar.com/en/cards/hyperbeat-pay","title":"UCard Radar: Hyperbeat Pay (Sep-14, 2026)","publisher":"other","accessed":"2026-11-05"},{"id":"s18","url":"https://docs.hyperbeat.org/liquid-banking/hyperbeat-pay","title":"Hyperbeat docs: Hyperbeat Pay","publisher":"issuer","accessed":"2026-11-05"},{"id":"s19","url":"https://hyperbeat.org/","title":"Hyperbeat home page","publisher":"issuer","accessed":"2026-11-05"},{"id":"s20","url":"https://help.hyperbeat.org/en/collections/17042370-liquid-banking-hyperbeat-pay","title":"Help centre: Liquid Banking - Hyperbeat Pay article list (titles only)","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":7,"reason":"Card is issued by Third National under a Visa licence, but no licence or regulator for it or for Hyperbeat's operator, Zoeion Ltd Corporation (Panama per a third party), is published.","src":["s1","s13","s17"]},"custody":{"points":14,"reason":"Self-custodial wallet with Turnkey key recovery and published audits; Hyperbeat says it cannot freeze funds. Spending relies on an operator settlement allowance, and Credit Mode collateral can be liquidated automatically.","src":["s11","s13","s16"]},"incidents":{"points":16,"reason":"No hack, freeze or shutdown found in the sources checked. The cashback scheme was restructured in Aug-2026.","src":["s4"]},"track_record":{"points":5,"reason":"Launched around Jan-2026 and has about $3.7M of all-time volume on Paymentscan across 1,638 addresses.","src":["s15"]},"transparency":{"points":6,"reason":"The help centre publishes ATM, FX, cashback and fiat deposit fees, but the card terms allow FX and cross-border fees up to 3% each, and the issuer's pages disagree on the card limit (5 or 20).","src":["s1","s2","s6"]},"support":{"points":4,"reason":"In-app chat, email and a help centre exist, but the App Store rating is 2.8 from only 5 ratings.","src":["s14","s1"]}},"trustPoints":52,"grade":"D","confidence":84,"best":{"tier":"Standard","net":-14.88000000000001,"pctOfSpend":-0.12400000000000008,"lines":[{"label":"Rewards you can spend","usd":22.799999999999997,"note":"$24 paid in a volatile token, counted at 95%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-37.68000000000001},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":49,"website":"https://hyperbeat.org","inactive":false},{"slug":"safepal","name":"SafePal Card","brand":"SafePal","checked":"2026-11-05","summary":"SafePal Card is a virtual Mastercard debit card tied to a Fiat24 Swiss IBAN account opened inside the SafePal app; you top up the account with USDC on Arbitrum and spend from it. It has no subscription and no cashback, and Paymentscan shows spend collapsing in 2026 after the direct fiat on-ramp was disabled.","company":{"legal_entity":{"v":null,"note":"SafePal wallet company entity not stated on the pages read; the account is provided by Fiat24, which handles compliance and licensing"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.safepal.com/bank","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"SR Saphirstein AG","src":["s5"],"note":"Named in Fiat24's Mastercard debit documentation (BIN 5481 0849); SafePal's FAQ says the card is jointly issued by SafePal and Fiat24, and its bank page does not name an issuer"},"program_manager":{"v":"SafePal with Fiat24","src":["s1","s2"],"note":"Fiat24 solely handles compliance and licensing per SafePal's bank page"},"licences":{"v":null,"note":"Not stated on the pages read"},"regulator":{"v":null,"note":"Not stated on the pages read"},"card_network":{"v":"Mastercard","src":["s1","s5"],"note":"Launch-era pages and some user reports say Visa; current SafePal and Fiat24 pages say Mastercard"},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s1"],"note":"Bank page still offered; Paymentscan reports the direct fiat on-ramp disabled since Mar-2026"},"launched":{"v":"2023-11","src":["s6"]},"card_kind":{"v":"debit","src":["s1","s5"]},"forms":{"v":["virtual"],"src":["s1","s5"],"note":"Virtual only, no PIN"},"custody":{"v":"hybrid","src":["s1","s2"],"note":"Funds sit in the user's Fiat24 bank account, separate from the self-custodial SafePal wallet"},"custody_detail":{"v":"Crypto is deposited into a Fiat24 Swiss IBAN account (balances held as EUR24, USD24, CHF24 tokens); the card spends from that account","src":["s2"]},"kyc_level":{"v":"full","src":["s2"],"note":"Fiat24 performs KYC; SafePal says it does not collect or access it"},"kyc_documents":{"v":null,"note":"Documents not listed"},"kyc_time":{"v":null,"note":"Not published; the bank page says use the account and card instantly upon approval"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s5"],"note":"Fiat24 users are individuals in this product; no business plans covered here"},"settlement_currency":{"v":"USD","src":["s6"],"note":"Card balances can be EUR, USD, CHF or CNY"},"card_currencies":{"v":["EUR","USD","CHF","CNY"],"src":["s5","s6"]}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"],"note":"No account setup or management fees"},"price_annual":{"v":0,"src":["s1"]},"issuance_virtual":{"v":0,"src":["s1"],"note":"Bank page lists zero account setup and management fees and no card fee; Paymentscan also lists the virtual card as free"},"issuance_physical":{"v":null,"note":"No physical card: virtual only"},"shipping":{"v":null,"note":"No physical card"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"No mandatory staking; staking SFP only unlocks higher account tiers"},"other_requirements":{"v":"Fiat24 KYC; citizen and resident of a supported region; minimum 10 USD/EUR/CHF balance to activate the card","src":["s1","s5"]},"cashback_rate":{"v":null,"note":"No cashback is mentioned on SafePal's pages; Paymentscan lists none"},"cashback_asset":{"v":null,"note":"No cashback"},"cashback_cap_monthly":{"v":null,"note":"No cashback"},"cashback_eligible_spend":{"v":null,"note":"No cashback"},"cashback_exclusions":{"v":null,"note":"No cashback"},"cashback_vesting":{"v":null,"note":"No cashback"},"points_program":{"v":"Account points raise the account tier (reassessed monthly from 3 months of points); Silver tier gets a 0.1% top-up rebate","src":["s4"],"note":"Tier tables are in images the page text does not show"},"fx_fee":{"v":1,"src":["s3"],"note":"1% on Mastercard transactions settled in a currency other than the card balance currency; the Paymentscan card table also lists 1%, with no FX fee when paying from a matching currency balance"},"crypto_conversion_fee":{"v":0,"src":["s3"],"note":"Standard top-up fee is 0% per the newer article; the older tier article says 1% and the bank page says as low as 0.4% for the top tier. Swaps carry a spread and gas applies"},"topup_fee":{"v":0,"src":["s3"],"note":"Newer help article says standard 0%; older article (S4) says 1% standard; bank page says as low as 0.4% for the highest tier"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":null,"note":"Not published"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"No ATM data for the virtual card in the issuer pages"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":10000,"src":["s2"],"note":"USD, currently issued cards; max 100 transactions a day. Fiat24 docs give 10,000 EUR for Standard; SafePal bank page lists 1,600 EUR contactless and 5,000 EUR other methods per day"},"spend_limit_monthly":{"v":20000,"src":["s2"],"note":"USD, max 500 transactions a month; Fiat24 docs give 20,000 EUR for Standard"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Apple Pay, Google Pay and Samsung Pay","Swiss IBAN account (EUR, CHF, USD, CNY)"],"src":["s1","s6"]}}],"funding":{"crypto_assets":{"v":["USDC"],"src":["s6"],"note":"USDC on Arbitrum is the default; other assets are swapped or bridged into it in the app"},"chains":{"v":["Arbitrum"],"src":["s1","s6"],"note":"The bank page says 40+ chains can be used for top-up via the app"},"fiat_topup":{"v":["Bank transfer to the Swiss IBAN","Third-party on-ramps in the app"],"src":["s6"],"note":"Paymentscan reports SafePal's direct fiat on-ramp disabled in Mar-2026"},"deposit_fees":{"v":"0% standard; as low as 0.4% (best tier) per other page; gas and swap spread apply","src":["s3","s1"],"note":"Older article says 1% standard"},"min_deposit":{"v":null,"note":"Not confirmed by an issuer page; the 10 USDC figure came from a search snippet"},"spend_from":{"v":"Fiat24 account balance after top-up","src":["s2"]}},"payments":{"apple_pay":{"v":true,"src":["s1","s5"]},"google_pay":{"v":true,"src":["s1","s5"]},"samsung_pay":{"v":true,"src":["s1","s5"]},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s1"],"note":"1,600 EUR a day limit for contactless"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":"Payments to OFAC-sanctioned countries or entities are rejected; some transport, utility and in-flight payments limited in certain countries","src":["s5"]}},"availability":{"regions":{"v":null,"note":"Service area list is linked from SafePal but not shown in the pages read"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":null,"note":"Not published"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":null,"note":"Not published"}},"account_features":{"iban":{"v":"Personal Swiss IBAN","src":["s1"]},"local_accounts":{"v":["EUR","CHF","USD","CNY"],"src":["s6"]},"p2p_transfers":{"v":"Transfers between accounts within Fiat24 are free","src":["s3"]},"crypto_to_bank_payouts":{"v":true,"src":["s3"],"note":"Transfers to external banks have no SafePal or Fiat24 fee"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":false,"src":["s6"],"note":"Borrow to spend: no"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s6"]},"other":{"v":"Refunds cost 1 USD/EUR/CHF (7 CNH) each, deducted from the refund (from May-15, 2026)","src":["s5"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["Zendesk help centre and request form"],"src":["s1"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":null,"note":"Not published"},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":38800000,"src":["s6"],"note":"Paymentscan: 2,420,213 transactions, 44,797 addresses"},"onchain_spend_last_month_usd":{"v":34200,"src":["s6"],"note":"Paymentscan figure for Nov-2026 (month to date); peak was $3.346M in Jan-2026"}},"incidents":[{"date":"2026-03","type":"outage","summary":"SafePal's direct fiat on-ramp was disabled until further notice; Paymentscan volume then fell from about $2.7M in Jun-2026 to about $34K in Nov-2026.","src":["s6"]}],"referral":{"user_referral_program":{"v":"Referral commissions up to 40% of referred accounts' top-up fees, by tier","src":["s1"]},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"account_tiers","label":"Fiat24 account tiers (card limits)","v":"Standard 10,000 EUR/day, 20,000 EUR/month; Premium 100,000/200,000 EUR; Ultimate 500,000/1,000,000 EUR; tier follows the Fiat24 NFT held. SafePal says the higher cards are not yet issued to ordinary users","src":["s5","s2"]},{"key":"account_limit","label":"IBAN account limit","v":"Remittance, exchange and spending count together; $100,000 or $1,000 a month depending on region","src":["s2"]},{"key":"sfp_staking","label":"SFP staking for tiers","v":"Optional; 90-day lock, no early redemption; unlocks higher account tiers","src":["s4"]}],"tests":[],"sources":[{"id":"s1","url":"https://www.safepal.com/bank","title":"SafePal Banking Gateway","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://safepalsupport.zendesk.com/hc/en-us/articles/22646856800027","title":"FAQ about the SafePal Banking gateway and Fiat24 account","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://safepalsupport.zendesk.com/hc/en-us/articles/22647224575643/","title":"SafePal fee rates article","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://safepalsupport.zendesk.com/hc/en-us/articles/22646881975195/","title":"SafePal account tiers, points and privileges (older article)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://docs.fiat24.com/user/payments/mastercard-debit","title":"Fiat24 documentation: Mastercard debit","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://paymentscan.xyz/cards/safepal","title":"SafePal Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"}],"trust":{"licence":{"points":6,"reason":"The card is issued by SR Saphirstein AG per Fiat24 documentation, but no licence or regulator is stated on the pages read. SafePal says Fiat24 handles compliance and licensing.","src":["s5","s1"]},"custody":{"points":8,"reason":"Funds sit in a Fiat24 account held for the user, separate from the self-custodial SafePal wallet. No proof of reserves or insurance is published.","src":["s2","s1"]},"incidents":{"points":13,"reason":"No loss event found, but the direct fiat on-ramp was disabled in Mar-2026 and spend then collapsed.","src":["s6"]},"track_record":{"points":8,"reason":"Live since Nov-2023 with $38.8M all-time volume on Paymentscan, but monthly volume fell to about $34K by Nov-2026.","src":["s6"]},"transparency":{"points":5,"reason":"Fees and limits are published, but older and newer articles disagree on the top-up fee and the network, and tier tables are in images.","src":["s3","s4"]},"support":{"points":4,"reason":"Support is a Zendesk help centre and request form only; no hours, phone or chat are published.","src":["s1"]}},"trustPoints":44,"grade":"D","confidence":63,"best":{"tier":"Standard","net":-24,"pctOfSpend":-0.2,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-24},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":42,"website":"https://www.safepal.com/bank","inactive":false},{"slug":"avalanche-card","name":"Avalanche Card","brand":"Avalanche Card","checked":"2026-11-05","summary":"Avalanche Card is a Visa card run by Rain Liquidity for the Avalanche ecosystem, launched in Feb 2025. You post USDC, USDT or AVAX as collateral in your own wallet and spend up to its value; the issuer is Third National.","company":{"legal_entity":{"v":"Rain Liquidity LLC (app publisher); card issued by Third National (Nimbus LLC)","src":["s5","s6"]},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.avalanchecard.com/","src":["s1"]},"x_handle":{"v":"@TheAvaxCard","src":["s1"]},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Third National (Nimbus LLC, d/b/a Third National)","src":["s2","s3","s6"],"note":"Named as issuer in the issuer's own agreements"},"program_manager":{"v":"Rain Liquidity","src":["s1","s2"],"note":"Rain says it is a fintech, not a bank"},"licences":{"v":null,"note":"Agreements do not state a licence; Third National is described as a Visa-authorized card issuer"},"regulator":{"v":null,"note":"Not stated in the agreements; governing law is Puerto Rico"},"card_network":{"v":"Visa","src":["s1"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s7","s5"],"note":"Paymentscan shows spending through Nov 2026 and the app updated recently; the issuer page has no explicit status"},"launched":{"v":"2025-02","src":["s7"]},"card_kind":{"v":"secured credit","src":["s2"],"note":"U.S. agreement calls it a Visa credit card secured by crypto collateral, no set credit limit"},"forms":{"v":["virtual","physical"],"src":["s1"]},"custody":{"v":"self-custody","src":["s1","s2"],"note":"Collateral stays in your wallet and smart contracts; Rain says it does not hold custody"},"custody_detail":{"v":"Collateral is held in smart contracts on supported blockchains and can be liquidated at any time without notice to repay charges; withdrawing needs 3 business days notice under the U.S. agreement","src":["s2","s3"]},"kyc_level":{"v":"full","src":["s1"]},"kyc_documents":{"v":"Full name, email, date of birth, SSN or national ID number, government ID and selfie","src":["s1"]},"kyc_time":{"v":"Usually seconds, up to 72 hours for manual review","src":["s1"]},"min_age":{"v":18,"src":["s1"]},"business_cards":{"v":false,"src":["s1"],"note":"Page describes individual sign-up only"},"settlement_currency":{"v":"USD","src":["s2"]},"card_currencies":{"v":["USD"],"src":["s2"]}},"tiers":[{"name":"U.S.","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"],"note":"Monthly account fee $0"},"price_annual":{"v":0,"src":["s1","s2"],"note":"No annual fee"},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":0,"src":["s1"]},"shipping":{"v":0,"src":["s1"],"note":"Delivery usually 14 to 30+ business days"},"replacement_fee":{"v":null,"note":"Terms say replacement fees may apply but give no amount"},"staking_required":{"v":0,"src":["s1"]},"other_requirements":{"v":"Collateral of at least the amount you want to spend","src":["s2","s3"],"note":"Spending limit equals the collateral value for stable assets; non-stable assets may support up to 50% under the U.S. agreement"},"cashback_rate":{"v":null,"note":"Avax Points rate is shown only in the app; the Rewards Terms do not state it"},"cashback_asset":{"v":"Avax Points (ERC-20 loyalty points, $0.01 face value)","src":["s4"]},"cashback_cap_monthly":{"v":null,"note":"No earning cap stated in the Rewards Terms"},"cashback_eligible_spend":{"v":"Purchases; fees, interest, cash advances, balance transfers, chargebacks and refunds excluded","src":["s4"]},"cashback_exclusions":{"v":["Fees and interest","Cash advances and cash equivalents","Balance transfers","Chargebacks and disputed transactions","Refunded transactions (negative points)"],"src":["s4"]},"cashback_vesting":{"v":"Points go Pending, Ready, then Minted; only Minted points can be redeemed","src":["s4"],"note":"Timing of each stage not stated"},"points_program":{"v":"Avax Points: statement credit at 70% of face value ($0.007 per point) or travel portal at full face value ($0.01)","src":["s4"]},"fx_fee":{"v":2,"src":["s2"],"note":"U.S. agreement: 2% of each international transaction. The home page says 1%; the binding agreement was used"},"crypto_conversion_fee":{"v":0,"src":["s1"],"note":"Site says Avalanche Card charges no gas or conversion fees; the 1% FX line on the same page and the agreements' foreign fees still apply"},"topup_fee":{"v":0,"src":["s1"],"note":"No issuer top-up fee; you pay network gas. CryptoCards.so reports 3% for the International version, not confirmed by the issuer"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":null,"note":"ATM use is treated as a cash advance if enabled; no ATM fee published"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":null,"note":"Set by Rain Liquidity at its discretion, no amount published"},"spend_limit_monthly":{"v":null,"note":"Set by Rain Liquidity at its discretion, no amount published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Up to 3 virtual cards and 1 physical card per account","Apple Pay and Google Pay"],"src":["s1"]}},{"name":"International","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s1"],"note":"Monthly account fee $0"},"price_annual":{"v":0,"src":["s1","s2"],"note":"No annual fee"},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":0,"src":["s1"]},"shipping":{"v":0,"src":["s1"],"note":"Delivery usually 14 to 30+ business days"},"replacement_fee":{"v":null,"note":"Terms say replacement fees may apply but give no amount"},"staking_required":{"v":0,"src":["s1"]},"other_requirements":{"v":"Collateral of at least the amount you want to spend","src":["s2","s3"],"note":"Spending limit equals the collateral value for stable assets; non-stable assets may support up to 50% under the U.S. agreement"},"cashback_rate":{"v":null,"note":"Avax Points rate is shown only in the app; the Rewards Terms do not state it"},"cashback_asset":{"v":"Avax Points (ERC-20 loyalty points, $0.01 face value)","src":["s4"]},"cashback_cap_monthly":{"v":null,"note":"No earning cap stated in the Rewards Terms"},"cashback_eligible_spend":{"v":"Purchases; fees, interest, cash advances, balance transfers, chargebacks and refunds excluded","src":["s4"]},"cashback_exclusions":{"v":["Fees and interest","Cash advances and cash equivalents","Balance transfers","Chargebacks and disputed transactions","Refunded transactions (negative points)"],"src":["s4"]},"cashback_vesting":{"v":"Points go Pending, Ready, then Minted; only Minted points can be redeemed","src":["s4"],"note":"Timing of each stage not stated"},"points_program":{"v":"Avax Points: statement credit at 70% of face value ($0.007 per point) or travel portal at full face value ($0.01)","src":["s4"]},"fx_fee":{"v":3,"src":["s3"],"note":"International agreement: foreign exchange fee for non-USD up to 3%, plus a cross-border fee up to 3%. The home page says 1%"},"crypto_conversion_fee":{"v":0,"src":["s1"],"note":"Site says Avalanche Card charges no gas or conversion fees; the 1% FX line on the same page and the agreements' foreign fees still apply"},"topup_fee":{"v":0,"src":["s1"],"note":"No issuer top-up fee; you pay network gas. CryptoCards.so reports 3% for the International version, not confirmed by the issuer"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":null,"note":"ATM use is treated as a cash advance if enabled; no ATM fee published"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_daily":{"v":null,"note":"Set by Rain Liquidity at its discretion, no amount published"},"spend_limit_monthly":{"v":null,"note":"Set by Rain Liquidity at its discretion, no amount published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Up to 3 virtual cards and 1 physical card per account","Apple Pay and Google Pay"],"src":["s1"]}}],"funding":{"crypto_assets":{"v":["USDC","USDT","AVAX","WAVAX"],"src":["s1"],"note":"FAQ lists only USDC and AVAX"},"chains":{"v":["Avalanche"],"src":["s7"],"note":"Settlement chain per Paymentscan; the issuer page does not list networks"},"fiat_topup":{"v":null,"note":"No fiat top-up published"},"deposit_fees":{"v":"None charged by the issuer; user pays network gas","src":["s1"]},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Collateral posted from your own wallet; spending limit equals collateral value for stable assets","src":["s2"]}},"payments":{"apple_pay":{"v":true,"src":["s1"]},"google_pay":{"v":true,"src":["s1"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["US (many states)","Latin America","Caribbean"],"src":["s1"]},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Only a general description is published"},"countries_excluded":{"v":["BY","CU","IN","IR","IQ","IL","CN","NP","NI","NG","KP","RU","LK","SY","TR","UA","VE","VN"],"src":["s1"],"note":"Also excluded US states: AZ, DE, GA, ID, LA, MD, NV, NM, ND, OH, OR, RI, SD, VT, WA, WI"},"us_available":{"v":true,"src":["s1"],"note":"In many states, not in the 16 states listed as excluded"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":null,"note":"Not published"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Spending is a collateralised credit line: purchases are repaid by liquidating collateral","src":["s2","s3"]}},"security":{"card_freeze":{"v":true,"src":["s5"],"note":"App store listing mentions spend alerts, freezing and PIN changes"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/avalanche-card-pay-anywhere/id6737233538","src":["s5"]},"ios_rating":{"v":3.2,"src":["s5"]},"ios_rating_count":{"v":30,"src":["s5"]},"android_url":{"v":"https://play.google.com/store/apps/details?id=com.liquidity.financial","src":["s1"]},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","Spanish"],"src":["s5"]},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["Email: support@avalanchecard.com","Phone: 1-202-899-8909","In-app support"],"src":["s3","s5"]},"support_hours":{"v":null,"note":"App listing says 24/7 support; not confirmed elsewhere"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Forced re-logins and app bugs","Verification problems","Slow support"],"src":["s5","s8"],"note":"From app store reviews and a comparison site's summary of user feedback"},"common_praise":{"v":["Clean, functional app","Favorable currency conversion"],"src":["s5"],"note":"Individual App Store reviews"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":33060000,"src":["s7"],"note":"Paymentscan, 29,074 addresses and 439,207 transactions"},"onchain_spend_last_month_usd":{"v":2849000,"src":["s7"],"note":"Oct 2026"}},"incidents":[],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"US","field":"tiers[0].fx_fee","v":2,"src":["s2"]},{"region":"International","field":"tiers[1].fx_fee","v":3,"src":["s3"]}],"extra":[{"key":"home_page_fx","label":"FX fee on the home page","v":"1% (Paymentscan also shows 1%); the agreements state 2% (U.S.) and up to 3% plus up to 3% cross-border (International)","src":["s1","s2","s3","s7"]},{"key":"late_fee","label":"Late payment fee","v":"U.S.: up to 2% of the outstanding balance. International: up to $40","src":["s2","s3"]},{"key":"interest","label":"Interest on purchases","v":"0% APR; the agreements reserve the right to charge interest in future and the U.S. agreement mentions prorated interest if you stop paying in full","src":["s2","s3"]},{"key":"liquidation","label":"Liquidation rules","v":"International: liquidation if a payment is not made within one calendar day or collateral falls below charges. U.S.: liquidation daily, within 6 hours of a purchase, 21 days after statement due date, or on collateral shortfall; no advance notice","src":["s2","s3"]},{"key":"non_stable_collateral","label":"Non-stable collateral","v":"U.S. agreement: may spend up to 50% of market value","src":["s2"]},{"key":"card_limits","label":"Card count","v":"Up to 3 virtual and 1 physical card; one of each active at a time","src":["s1"]},{"key":"cash_advances","label":"Cash advances","v":"Not available in the International agreement; U.S. agreement lists ATM use as a cash advance if enabled","src":["s2","s3"]}],"tests":[],"sources":[{"id":"s1","url":"https://www.avalanchecard.com/","title":"Avalanche Card home page and FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://legal.avalanchecard.com/legal/avalanche-card-us-card-agreement-bcc089aa","title":"Avalanche Card U.S. Card Agreement","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://legal.avalanchecard.com/legal/avalanche-card-international-card-agreement-94211945","title":"Avalanche Card International Card Agreement","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://legal.avalanchecard.com/legal/avalanche-rewards-terms-of-service","title":"Avalanche Rewards Terms of Service","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://apps.apple.com/us/app/avalanche-card-pay-anywhere/id6737233538","title":"Avalanche Card - Pay Anywhere, App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s6","url":"https://legal.avalanchecard.com/legal/opening-account-disclosures-f5b8a3a9","title":"Opening Account Disclosures (issuer privacy notice)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://paymentscan.xyz/cards/avalanche-card","title":"Avalanche Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s8","url":"https://www.cryptocards.so/en/card/rain-liquidity-llc-avalanche-card-international","title":"Avalanche Card International on CryptoCards.so","publisher":"other","accessed":"2026-11-05"},{"id":"s9","url":"https://legal.avalanchecard.com/legal","title":"Avalanche Card legal documents index","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://www.rain.xyz/resources/rain-powers-avalanche-card-for-crypto-friendly-spending","title":"Rain case study on the Avalanche Card","publisher":"other","accessed":"2026-11-05"}],"trust":{"licence":{"points":7,"reason":"Issuer is named as Third National, a Visa-authorized issuer, but the agreements state no licence or regulator; Rain itself says it is not a bank.","src":["s2","s6","s1"]},"custody":{"points":15,"reason":"Collateral stays in your wallet and smart contracts and Rain says it holds no custody, but it can be liquidated without notice.","src":["s1","s2","s3"]},"incidents":{"points":16,"reason":"No incident found for the card itself. A Rain-infrastructure hack hit a different Solana card program in 2026 (search result only).","src":["s7"]},"track_record":{"points":8,"reason":"Live since Feb 2025 with about $33M all-time spend and $2.8M in Oct 2026 per Paymentscan, small volume.","src":["s7"]},"transparency":{"points":4,"reason":"Agreements are public but fees conflict with the home page (1% vs 2-3% FX) and cashback rates and limits are unpublished.","src":["s1","s2","s3","s4"]},"support":{"points":3,"reason":"App rated 3.2 from 30 ratings with complaints of bugs and slow support; email and phone are published.","src":["s5","s3"]}},"trustPoints":53,"grade":"D","confidence":79,"best":{"tier":"U.S.","net":-48,"pctOfSpend":-0.4,"lines":[{"label":"Rewards you can spend","usd":0,"note":"$0 paid in points, counted at 50%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-48},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":35,"website":"https://www.avalanchecard.com/","inactive":false},{"slug":"avici","name":"Avici Card","brand":"Avici","checked":"2026-11-05","summary":"Avici is a US-incorporated self-custodial wallet with Visa secured credit cards (Platinum and Signature) funded by USDC held in a user-owned escrow contract. It pays no cashback; Platinum costs a one-time $15 for a virtual card, and an Aug-2026 exploit of a Solana card contract cost 1,685 users $500,859, which was repaid.","company":{"legal_entity":{"v":"Avici Inc., 300 4th St, San Francisco, CA; iOS app published by Higin Inc.","src":["s11","s14"],"note":"Finek describes it as a Delaware C-corporation, which the issuer pages do not state"},"hq_country":{"v":"United States","src":["s11"],"note":"San Francisco address on the website"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://avici.money","src":["s11"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Third National","src":["s3"],"note":"Issuer named in the Avici card terms. Paymentscan and Avici's incident statement name Rain as the card-issuing partner and processor"},"program_manager":{"v":"Rain","src":["s22","s16"],"note":"Avici's statement on the Aug-2026 exploit calls Rain its card issuing partner; the card terms do not name a program manager"},"licences":{"v":["Card programme issued under licence from Visa"],"src":["s3"],"note":"The terms name no banking or EMI licence for the issuer or for Avici Inc."},"regulator":{"v":null,"note":"Not named in the card terms"},"card_network":{"v":"Visa","src":["s2"]},"card_product_level":{"v":"Visa Platinum; Visa Signature","src":["s8"],"note":"Infinite is listed as coming soon"}},"product":{"status":{"v":"live","src":["s1","s13"]},"launched":{"v":"2024-12","src":["s13"],"note":"Paymentscan gives Dec 2024; Cryptonoshi says January 2025"},"card_kind":{"v":"secured credit","src":["s2"],"note":"Credit line backed by USDC in a Loan Escrow contract; each purchase reduces the balance and the spent USDC is liquidated and settled with Visa roughly every 1-2 days"},"forms":{"v":["virtual","physical"],"src":["s8"]},"custody":{"v":"self-custody","src":["s2","s3"],"note":"The user's wallet owns the escrow contract and Avici can only withdraw amounts tied to spend. Exception: Aug-2026 exploit of a Rain-run Solana card contract that held funds during top-ups, see incidents"},"custody_detail":{"v":"USDC sits in an escrow smart contract owned by the user's wallet; the terms say Avici and the issuer do not hold custody of the collateral. Top-ups sent from Solana are bridged to the EVM card contract","src":["s2","s3","s9"]},"kyc_level":{"v":"full","src":["s5"],"note":"Sumsub identity check with ID documents and a liveness check"},"kyc_documents":{"v":"Personal information, ID documents and liveness check","src":["s5"],"note":"Accepted ID types are not listed; Finek reports passport and local licences work for many countries"},"kyc_time":{"v":"A few minutes","src":["s5"]},"min_age":{"v":null,"note":"Not stated in the card terms; the App Store rates the app 18+"},"business_cards":{"v":false,"src":["s23"],"note":"Avici runs a separate business card product; this file covers personal accounts only"},"settlement_currency":{"v":"USD","src":["s2"]},"card_currencies":{"v":["USD"],"src":["s2"]}},"tiers":[{"name":"Platinum","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"],"note":"No monthly fee"},"price_annual":{"v":0,"src":["s1"],"note":"No recurring charge after the one-time card fee"},"issuance_virtual":{"v":15,"src":["s1"],"note":"First card; $10 one-time for each additional Platinum card"},"issuance_physical":{"v":50,"src":["s1"],"note":"One-time basic card fee; priority delivery costs extra"},"shipping":{"v":"Free untracked delivery in 3-4 weeks; tracked priority delivery in 1-2 weeks costs $15 (US) or $50 (international)","src":["s1"]},"replacement_fee":{"v":"Same fees as a new card","src":["s9"],"note":"Deleting a card and creating a new one is charged at the normal card price; the terms list no separate replacement fee"},"staking_required":{"v":0,"src":["s2"],"note":"No token staking; spending needs a USDC deposit that sets the card balance"},"other_requirements":{"v":"Deposit USDC into the user's Loan Escrow contract to create card balance; identity verification through Sumsub","src":["s2","s5"],"note":"Minimum top-up is $1"},"cashback_rate":{"v":0,"src":["s13"],"note":"No standing cashback is published in Avici's docs or terms; Paymentscan states neither tier offers cashback. A 6% promotion on the first $1,000 was mentioned by a Finek chat member in Jul-2026 but is not on any issuer page"},"cashback_asset":{"v":null,"note":"No cashback"},"cashback_cap_monthly":{"v":null,"note":"No cashback"},"cashback_eligible_spend":{"v":null,"note":"No cashback"},"cashback_exclusions":{"v":null,"note":"No cashback"},"cashback_vesting":{"v":null,"note":"No cashback"},"points_program":{"v":"None for card spending","src":["s13"],"note":"Signature has Visa travel and lifestyle benefits, not points. Avici runs a referral programme, see the referral section"},"fx_fee":{"v":0,"src":["s1"],"note":"Avici charges 0% forex markup; Visa may add a 0.4-1% cross-border fee on non-USD purchases. A real PLN payment measured about 1.59%, see tests"},"crypto_conversion_fee":{"v":0,"src":["s6"],"note":"Card balance is created in USDC, so spending USDC has no conversion step. Other tokens are auto-swapped through Relay when topping up; the swap price is not published"},"topup_fee":{"v":0,"src":["s1","s6"],"note":"No top-up or withdrawal-to-wallet fee; minimum top-up $1"},"atm_free_monthly":{"v":null,"note":"No free allowance published"},"atm_fee_pct":{"v":0.65,"src":["s1"],"note":"Per transaction, on top of the fixed fee; Paymentscan's table shows 0.6%"},"atm_fee_fixed":{"v":1,"src":["s1"],"note":"Per transaction"},"atm_limit_daily":{"v":3000,"src":["s1"],"note":"Up to 3 withdrawals a day"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"The docs say the card has no transaction limits; limits can be set per card in the app"},"spend_limit_daily":{"v":null,"note":"The docs say the card has no transaction limits; limits can be set per card in the app"},"spend_limit_monthly":{"v":null,"note":"The docs say the card has no transaction limits"},"spend_limit_annual":{"v":null,"note":"The docs say the card has no transaction limits"},"inactivity_fee":{"v":null,"note":"No inactivity fee is listed in the card terms or fee page"},"decline_fee":{"v":0.6,"src":["s1"],"note":"Charged on declined ATM transactions only; balance inquiry also $0.60"},"perks":{"v":[],"src":["s8"],"note":"Platinum has no special benefits"}},{"name":"Signature","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s1"],"note":"No monthly fee; billed yearly"},"price_annual":{"v":20,"src":["s1"],"note":"Charged annually from the second year; first year is included in the $30 card fee"},"issuance_virtual":{"v":30,"src":["s1"],"note":"Covers the first year; then $20 a year"},"issuance_physical":{"v":75,"src":["s1"],"note":"Card fee, plus $20 a year from the second year"},"shipping":{"v":"Free untracked delivery in 3-4 weeks; tracked priority delivery in 1-2 weeks costs $15 (US) or $50 (international)","src":["s1"]},"replacement_fee":{"v":"Same fees as a new card","src":["s9"],"note":"Deleting a card and creating a new one is charged at the normal card price; the terms list no separate replacement fee"},"staking_required":{"v":0,"src":["s2"],"note":"No token staking; spending needs a USDC deposit that sets the card balance"},"other_requirements":{"v":"Deposit USDC into the user's Loan Escrow contract to create card balance; identity verification through Sumsub","src":["s2","s5"],"note":"Minimum top-up is $1"},"cashback_rate":{"v":0,"src":["s13"],"note":"No standing cashback is published in Avici's docs or terms; Paymentscan states neither tier offers cashback. A 6% promotion on the first $1,000 was mentioned by a Finek chat member in Jul-2026 but is not on any issuer page"},"cashback_asset":{"v":null,"note":"No cashback"},"cashback_cap_monthly":{"v":null,"note":"No cashback"},"cashback_eligible_spend":{"v":null,"note":"No cashback"},"cashback_exclusions":{"v":null,"note":"No cashback"},"cashback_vesting":{"v":null,"note":"No cashback"},"points_program":{"v":"None for card spending","src":["s13"],"note":"Signature has Visa travel and lifestyle benefits, not points. Avici runs a referral programme, see the referral section"},"fx_fee":{"v":0,"src":["s1"],"note":"Avici charges 0% forex markup; Visa may add a 0.4-1% cross-border fee on non-USD purchases. A real PLN payment on the card measured about 1.59%, see tests"},"crypto_conversion_fee":{"v":0,"src":["s6"],"note":"Card balance is created in USDC, so spending USDC has no conversion step. Other tokens are auto-swapped through Relay when topping up; the swap price is not published"},"topup_fee":{"v":0,"src":["s1","s6"],"note":"No top-up or withdrawal-to-wallet fee; minimum top-up $1"},"atm_free_monthly":{"v":"All ATM withdrawals free of Avici fees","src":["s1"]},"atm_fee_pct":{"v":0,"src":["s1"]},"atm_fee_fixed":{"v":0,"src":["s1"]},"atm_limit_daily":{"v":3000,"src":["s1"],"note":"Up to 3 withdrawals a day"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"The docs say the card has no transaction limits; limits can be set per card in the app"},"spend_limit_daily":{"v":null,"note":"The docs say the card has no transaction limits; limits can be set per card in the app"},"spend_limit_monthly":{"v":null,"note":"The docs say the card has no transaction limits"},"spend_limit_annual":{"v":null,"note":"The docs say the card has no transaction limits"},"inactivity_fee":{"v":null,"note":"No inactivity fee is listed in the card terms or fee page"},"decline_fee":{"v":0,"src":["s1"],"note":"Declined ATM transactions and balance inquiries are free on Signature"},"perks":{"v":["Airport lounge access via Visa Airport Companion (paid by the user, no free visits)","Airport pickup and drop-off","Complimentary movie tickets","Travel insurance","Free ATM withdrawals"],"src":["s8","s1"],"note":"Benefits vary by region; the full list is on Visa's site"}}],"funding":{"crypto_assets":{"v":["USDC"],"src":["s6"],"note":"Card contracts accept only USDC for credit; any token can be used to top up and is swapped through Relay"},"chains":{"v":null,"note":"Docs say EVM layer-2 networks and Solana deposits; Paymentscan lists Arbitrum, Avalanche, Base, Optimism, Polygon and Solana as card settlement chains"},"fiat_topup":{"v":null,"note":"Virtual-account rails exist but whether they fund the card directly is not stated on the card pages"},"deposit_fees":{"v":0,"src":["s6"],"note":"No top-up fee"},"min_deposit":{"v":1,"src":["s6"],"note":"Minimum top-up is $1; there is no minimum withdrawal"},"spend_from":{"v":"USDC balance in the user's Loan Escrow contract, shown as USD card balance","src":["s2"]}},"payments":{"apple_pay":{"v":true,"src":["s9"],"note":"No extra charge. If the add-card option is missing, switching the device region to USA is suggested"},"google_pay":{"v":true,"src":["s9"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":true,"src":["s9"],"note":"OTP details can be changed through support"},"contactless":{"v":null,"note":"Not stated in the docs"},"online_subscriptions":{"v":true,"src":["s9"],"note":"Cards work online; subscription charges you agreed to are not eligible for disputes"},"restricted_mccs":{"v":["Gambling","Cash and quasi-cash","Money transfer","Financial and securities","Weapons","Adult services"],"src":["s7"],"note":"Also a list of blocked merchants including MoonPay, Wise, Skrill, Neteller and eToro"}},"availability":{"regions":{"v":["Americas","Asia-Pacific","Middle East and Africa"],"src":["s4"],"note":"Personal cards for residents of the listed countries and 30 US states"},"countries_supported_count":{"v":48,"src":["s4"],"note":"Countries listed plus the United States, which is listed by state; one entry on the page is a misspelt duplicate"},"countries_supported":{"v":null,"note":"The list names countries, not codes; see the docs page. It includes Brazil, Japan, Australia, UAE, Singapore, Mexico, Nigeria"},"countries_excluded":{"v":["BY","CN","CU","IN","ID","IR","IQ","IL","RU","SY","TR","UA","VE","VN","KP"],"src":["s4"],"note":"Selected from a longer prohibited list that also includes Angola, Burkina Faso, Cameroon, DR Congo, Haiti, Mali, Mozambique, Myanmar, Namibia, Nepal, Nicaragua, Palestine, South Sudan, Tanzania, Yemen"},"us_available":{"v":true,"src":["s4"],"note":"Only residents of 30 listed states"},"uk_available":{"v":null,"note":"The UK is not on the supported or prohibited lists; the docs say unlisted countries are not automatically eligible"},"eea_available":{"v":null,"note":"EEA countries are not on the supported or prohibited lists; the docs say unlisted countries are not automatically eligible"}},"account_features":{"iban":{"v":null,"note":"Card pages do not mention it; Finek reports an Estonian EUR IBAN from a partner bank"},"local_accounts":{"v":null,"note":"Virtual accounts exist; terms differ from the card and are outside this card file"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Withdrawal to bank is mentioned by users, not on the card pages"},"yield_on_balance":{"v":null,"note":"Avici has a Grow section with stablecoin yields; rates are not stated on the card pages"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Self-custodial wallet with swaps, stablecoin and asset yields, US stocks and a credit line section in the docs","src":["s11"],"note":"Not verified in detail"}},"security":{"card_freeze":{"v":true,"src":["s10"],"note":"Freeze or cancel in the app; per-card spending limits can be set"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":"Signature includes Visa travel insurance; no deposit insurance","src":["s8"]},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/app/id6465962039","src":["s14"]},"ios_rating":{"v":4.4,"src":["s14"]},"ios_rating_count":{"v":51,"src":["s14"]},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not checked on Google Play"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English"],"src":["s14"]},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["In-app support"],"src":["s5","s9"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":3.3,"src":["s15"],"note":"Unclaimed profile, 10 reviews in the last 12 months"},"trustpilot_reviews":{"v":10,"src":["s15"]},"common_complaints":{"v":["No cashback","Daily ATM limit","Slow account activation and support going quiet on a frozen payment (single Trustpilot report)","Aug-2026 contract exploit"],"src":["s15","s16"]},"common_praise":{"v":["Convenient app","Zero fee on foreign purchases from Avici","Compliance process described as light by Finek"],"src":["s15","s17"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":41130000,"src":["s13"],"note":"Paymentscan, onchain spends Dec 2024 to Nov 2026"},"onchain_spend_last_month_usd":{"v":3681000,"src":["s13"],"note":"Oct 2026 per Paymentscan; Nov 2026 so far $618.7K"}},"incidents":[{"date":"2026-08","type":"hack","summary":"A vulnerability in an outdated Solana card contract run with issuing partner Rain let an attacker drain card balances of 1,685 Avici users, $500,859 in total; Avici said all affected users were refunded in full and filed an FBI IC3 report.","src":["s16","s18"]}],"referral":{"user_referral_program":{"v":"New user gets an $8 bonus with a referral (standard $5); referrer earns 2% of the friend's eligible card spending for the first 90 days","src":["s12"]},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"visa_cross_border_fee","label":"Visa cross-border fee","v":"Visa may charge 0.4-1% on non-USD transactions on top of Avici's 0% markup","src":["s1"]},{"key":"dispute_fee","label":"Dispute fee","v":"Disputes only above $30 and need a non-refundable $35 fee paid in USDC or USDT; reviews can take up to 90 days","src":["s9"]},{"key":"extra_card_fee","label":"Additional cards","v":"Additional Platinum virtual cards cost $10 one-time; all cards share one spending balance with per-card limits","src":["s1","s6"]},{"key":"liquidation","label":"Liquidation","v":"Spent USDC is liquidated from the escrow contract roughly every 1-2 days (sometimes weekly) and settled with Visa; the terms list a liquidation penalty up to $35 and a late payment fee up to $40 on overdue obligations","src":["s2","s3"]},{"key":"refunds","label":"Refunds","v":"Refunds to the card arrive in up to 5 business days and can only be spent, not withdrawn to a wallet","src":["s6"]},{"key":"governing_law","label":"Governing law","v":"Card terms follow Puerto Rico law with arbitration in New York","src":["s3"]},{"key":"us_states","label":"US states","v":"Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming","src":["s4"]},{"key":"us_citizen_attestation","label":"US citizen attestation","v":"The card terms require the user to attest they are not a US citizen","src":["s3"]}],"tests":[{"metric":"fx_markup","value":1.59,"text":"About 1.59% against Google's market rate on a PLN purchase in Poland charged in USD, possibly including Visa's 0.4-1% cross-border fee","tester":"Paymentscan","date":"2026-07-06","src":["s13"]},{"metric":"fx_markup","value":null,"text":"Alipay payment of CNY 110.20 in Shanghai was charged $16.53 on Avici, against $16.33 on the cheapest of 8 cards compared (about 1.2% above it)","tester":"Finek chat member","date":"2026-08-06","src":["s19"]},{"metric":"fx_markup","value":null,"text":"A EUR 6.18 purchase was charged $7.15 on Avici, level with Jupiter and below KAST ($7.31)","tester":"Finek chat member","date":"2026-07-17","src":["s20"]},{"metric":"conversion_spread","value":0.2,"text":"About 0.2% plus gas to convert crypto to USD balance when preloading, as listed by the reviewer","tester":"Cryptonoshi","date":"2026-11-04","src":["s21"]}],"sources":[{"id":"s1","url":"https://docs.avici.money/getting-started/secured-credit-cards/fees-and-limits.md","title":"Avici docs: card fees and limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://docs.avici.money/getting-started/secured-credit-cards.md","title":"Avici docs: Secured Credit Cards","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://docs.avici.money/getting-started/legal/terms-of-service-avici-card.md","title":"Avici docs: Terms of Service, Avici Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://docs.avici.money/getting-started/secured-credit-cards/regions-and-prohibitions-for-avici-card.md","title":"Avici docs: regions and prohibitions for the card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://docs.avici.money/getting-started/secured-credit-cards/profile-verification.md","title":"Avici docs: profile verification","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://docs.avici.money/getting-started/secured-credit-cards/spending-and-transactions.md","title":"Avici docs: spending and transactions","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://docs.avici.money/getting-started/secured-credit-cards/restricted-categories-and-merchants.md","title":"Avici docs: restricted categories and merchants","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://docs.avici.money/getting-started/secured-credit-cards/virtual-and-physical-cards.md","title":"Avici docs: virtual and physical cards","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://docs.avici.money/getting-started/secured-credit-cards/faqs.md","title":"Avici docs: card FAQs","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://docs.avici.money/getting-started/secured-credit-cards/security-and-settings.md","title":"Avici docs: security and settings","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://avici.money/","title":"Avici website","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://docs.avici.money/getting-started/referrals/how-rewards-work.md","title":"Avici docs: referral rewards","publisher":"issuer","accessed":"2026-11-05"},{"id":"s13","url":"https://paymentscan.xyz/cards/avici","title":"Avici on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s14","url":"https://apps.apple.com/app/id6465962039","title":"Avici: Internet finance, App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s15","url":"https://www.trustpilot.com/review/avici.money","title":"Avici on Trustpilot","publisher":"trustpilot","accessed":"2026-11-05"},{"id":"s16","url":"https://cryptobriefing.com/avici-solana-card-exploit-full-refunds/","title":"Avici card balances hit by Solana contract vulnerability, Crypto Briefing, Aug-28, 2026","publisher":"press","accessed":"2026-11-05"},{"id":"s17","url":"https://t.me/bankandfintech/985","title":"Finek channel review of Avici, Oct-30, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s18","url":"https://t.me/bankandfintech/891","title":"Finek channel on repayments after the Rain contract exploit, Aug-29, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s19","url":"https://t.me/c/1916527029/228030","title":"Finek chat, user report, Aug-06, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s20","url":"https://t.me/c/1916527029/219254","title":"Finek chat, user report, Jul-17, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s21","url":"https://cryptonoshi.com/product/avici-card/","title":"Cryptonoshi Avici Card review, Last Updated Nov-04, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s22","url":"https://paymentscan.xyz/issuers/rain","title":"Rain on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s23","url":"https://docs.avici.money/getting-started/legal.md","title":"Avici docs: Legal","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":6,"reason":"Avici Inc. holds no licence of its own; the card terms name Third National as issuer under a Visa licence but give no regulator or banking licence.","src":["s3"]},"custody":{"points":11,"reason":"Funds sit in a user-owned escrow contract and Avici says it cannot take more than the spend charges, but the Aug-2026 exploit showed a Rain-run Solana card contract could be drained.","src":["s2","s3","s16"]},"incidents":{"points":9,"reason":"One serious event in Aug-2026: 1,685 users lost $500,859 from card balances through a contract vulnerability; Avici states all were refunded in full.","src":["s16","s18"]},"track_record":{"points":8,"reason":"Live since Dec-2024 with about $41M in onchain spend and roughly 11,900 addresses, with volume falling in late 2026.","src":["s13"]},"transparency":{"points":7,"reason":"Fee, limit, region and restricted-merchant pages are detailed and public, and the issuer is named, though no licence, funding or team details are given.","src":["s1","s4","s7","s3"]},"support":{"points":4,"reason":"Support is in-app only with no published hours; Trustpilot (10 reviews, 3.3) has a report of frozen funds with support going quiet, and the App Store rating is 4.4 from 51 ratings.","src":["s15","s14","s9"]}},"trustPoints":45,"grade":"D","confidence":84,"best":{"tier":"Platinum","net":-45.660000000000004,"pctOfSpend":-0.3805,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":-7.5},{"label":"FX fee on foreign spend","usd":-38.160000000000004},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":35,"website":"https://avici.money","inactive":false},{"slug":"send","name":"Send Card","brand":"Send","checked":"2026-11-05","summary":"Send Card is a virtual-only Visa debit card inside the non-custodial Send app, issued through Wirex and funded with native USDC on Base into a separate USD card balance. It has no card fees and 0% FX on USD purchases, but no cashback, and the issuer publishes no spending limits or loading fee.","company":{"legal_entity":{"v":"Send, Inc. (Claremont, California, USA); copyright held by Send Foundation","src":["s9","s14"],"note":"Send, Inc. is registered with FinCEN as a Money Services Business and on NMLS. Terms governed by California law"},"hq_country":{"v":"United States","src":["s9"],"note":"Address given is Claremont, California"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://send.it","src":["s14"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"WIREX Limited (England and Wales, company no. 09334596)","src":["s9"],"note":"Named in Send's own terms, section 16; Wirex 'and/or affiliates depending on jurisdiction'. The App Store page says Wirex's 'issuing bank' issues the card without naming it (s12)"},"program_manager":{"v":"Wirex","src":["s3","s9","s15"],"note":"Send acts only as a referral source and technical facilitator; it is not the issuer"},"licences":{"v":null,"note":"Wirex's licences are not stated in the Send pages read"},"regulator":{"v":null,"note":"Not stated in the Send pages read"},"card_network":{"v":"Visa","src":["s1","s2"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s3","s13"]},"launched":{"v":"2026-08","src":["s3"],"note":"Launch post dated Aug-31, 2026; Paymentscan shows spend from Jul 2026, likely a soft launch"},"card_kind":{"v":"debit","src":["s12"],"note":"App Store page calls it a debit card; it is prefunded, spending only what is loaded"},"forms":{"v":["virtual"],"src":["s2","s3"],"note":"One active card at a time; no physical card yet"},"custody":{"v":"hybrid","src":["s2","s14"],"note":"Send says it is non-custodial; the loaded card balance is a separate USD balance with the card program"},"custody_detail":{"v":"The Send balance is held in the user's Send wallet (Send states it does not hold users' funds). Money loaded onto the card becomes a separate USD balance under the Wirex card program, which governs what happens to it on termination.","src":["s2","s6","s9","s14"],"note":"Who legally holds the card balance is not stated"},"kyc_level":{"v":"full","src":["s5"],"note":"Identity check by the card issuer, separate from the Send account which needs no documents"},"kyc_documents":{"v":["Full legal name","Date of birth","Address","Phone number","Photo of government-issued ID"],"src":["s5"]},"kyc_time":{"v":"Approval is described as usually quick; verification must be done in one session","src":["s5"]},"min_age":{"v":null,"note":"No minimum age stated; terms require legal age to contract"},"business_cards":{"v":false,"src":["s5"],"note":"Personal Send accounts only as described"},"settlement_currency":{"v":"USD","src":["s3"]},"card_currencies":{"v":["USD"],"src":["s3"]}},"tiers":[{"name":"Send Card","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s2","s12"],"note":"No monthly fee"},"price_annual":{"v":0,"src":["s2"],"note":"No annual fee"},"issuance_virtual":{"v":0,"src":["s2"],"note":"Nothing to pay to get the card"},"issuance_physical":{"v":null,"note":"No physical card at launch; planned for later (s3)"},"shipping":{"v":null,"note":"Not applicable: virtual only"},"replacement_fee":{"v":null,"note":"Reissue is allowed up to 3 times per account; no fee stated"},"staking_required":{"v":0,"src":["s2"],"note":"No staking or token holding is required"},"other_requirements":{"v":"Send account, identity verification by the card issuer, and a registration country from the supported list","src":["s5","s8"],"note":"Country cannot be changed after registration"},"cashback_rate":{"v":null,"note":"No cashback is mentioned in Send's pages; Paymentscan lists 0%"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":"USD 0%; EUR 1%; GBP 1%; most other currencies 2-3%","src":["s4"],"note":"Built into the amount charged and not shown as a separate line. No real-payment test found"},"crypto_conversion_fee":{"v":null,"note":"USDC is converted to USD card funds when loaded; no fee for this is published"},"topup_fee":{"v":null,"note":"Fee for loading the card is not published"},"atm_free_monthly":{"v":null,"note":"Not published; no physical card"},"atm_fee_pct":{"v":null,"note":"Not applicable: virtual only"},"atm_fee_fixed":{"v":null,"note":"Not applicable: virtual only"},"atm_limit_daily":{"v":null,"note":"Not applicable: virtual only"},"atm_limit_monthly":{"v":null,"note":"Not applicable: virtual only"},"spend_limit_per_tx":{"v":null,"note":"Limits are set in the Wirex terms and app, not published"},"spend_limit_daily":{"v":null,"note":"Limits are set in the Wirex terms and app, not published"},"spend_limit_monthly":{"v":null,"note":"Limits are set in the Wirex terms and app, not published"},"spend_limit_annual":{"v":null,"note":"Limits are set in the Wirex terms and app, not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Add to Apple Pay and Google Wallet","Instant lock and unlock","Own spending limit you can set in the app","Reissue with a new number keeping the balance"],"src":["s1","s2","s6","s10"]}}],"funding":{"crypto_assets":{"v":["USDC"],"src":["s3","s2"],"note":"Only native USDC on Base can fund the card at launch"},"chains":{"v":["Base"],"src":["s3","s14"]},"fiat_topup":{"v":["Debit card (up to $500 per week)","Apple Pay (debit cards only)"],"src":["s11"],"note":"These fund the Send balance, not the card directly; the card is then loaded from the Send balance"},"deposit_fees":{"v":"Send charges $0.00 for debit card deposits","src":["s11"],"note":"Processed through Coinbase Commerce"},"min_deposit":{"v":"$10 per debit card deposit","src":["s11"]},"spend_from":{"v":"A separate prefunded USD card balance, loaded from the Send balance","src":["s2","s3"],"note":"Purchases draw only from the loaded amount; declines happen if it is too low"}},"payments":{"apple_pay":{"v":true,"src":["s10"],"note":"Added manually with card number, expiry and CVV; one-tap provisioning not available yet"},"google_pay":{"v":true,"src":["s10"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":true,"src":["s12"],"note":"App Store notes mention in-app approval of online card payments (3D Secure)"},"contactless":{"v":true,"src":["s1"],"note":"Via Apple Pay or Google Pay"},"online_subscriptions":{"v":true,"src":["s1"],"note":"Recurring subscriptions are listed as a use"},"restricted_mccs":{"v":["Gambling","Dating services","Pharmaceutical and chemical wholesalers"],"src":["s8"],"note":"Set by the card issuer"}},"availability":{"regions":{"v":["Europe","Americas","Asia-Pacific","Middle East and Central Asia","Africa"],"src":["s8"]},"countries_supported_count":{"v":80,"src":["s8"]},"countries_supported":{"v":["AD","AT","BE","BG","HR","CY","CZ","DK","EE","FI","FR","DE","GI","GR","GG","HU","IS","IE","IM","IT","JE","LV","LI","LT","LU","MT","MD","MC","ME","NL","NO","PL","PT","RO","SM","SK","SI","ES","SE","CH","UA","GB","AR","BR","CL","CO","EC","SV","MX","PA","PE","US","AU","HK","ID","JP","MO","MY","NZ","PH","SG","KR","TW","TH","VN","AZ","BH","GE","IL","KZ","OM","SA","TR","AE","UZ","GH","KE","NG","ZA","UG"],"src":["s8"],"note":"Registration country cannot be changed. Payments to merchants in RU, BY, IR, KP, SY, CU, SD, AF, MM and VE are blocked"},"countries_excluded":{"v":["RU","BY","IR","KP","SY","CU","SD","AF","MM","VE"],"src":["s8"],"note":"Blocked as merchant countries; users in countries outside the list get no card"},"us_available":{"v":true,"src":["s8"]},"uk_available":{"v":true,"src":["s8"]},"eea_available":{"v":true,"src":["s8"],"note":"Most EEA states are listed; check the list for each country"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":true,"src":["s14"],"note":"Send is built for transfers between Send users (Sendtags)"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Send Savings exists but is not a bank account; its rate was not read"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":false,"src":["s3"],"note":"The card holds a single USD balance"},"other":{"v":"Send Savings, swaps and investing in a small list of assets exist in the app, outside the card","src":["s14"],"note":"Send Savings is not a bank account and is not insured by FDIC or SIPC"}},"security":{"card_freeze":{"v":true,"src":["s6"],"note":"Locking blocks transactions immediately and is reversible"},"two_factor":{"v":"Passkey confirms loading the card; SMS code for wallet provisioning","src":["s6","s10"]},"biometrics":{"v":true,"src":["s1"],"note":"Wallet unlocked by face, fingerprint or device passcode"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/send/id6748525971","src":["s12"]},"ios_rating":{"v":5,"src":["s12"],"note":"Only 27 ratings"},"ios_rating_count":{"v":27,"src":["s12"]},"android_url":{"v":"https://play.google.com/store/apps/details?id=app.send","src":["s12"],"note":"Link taken from the Send help centre; the store page could not be read"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English"],"src":["s12"]},"web_app":{"v":true,"src":["s14"],"note":"send.app web sign-in exists; could not be opened"},"support_channels":{"v":"In-app support and help centre at support.send.app","src":["s7"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not checked"},"trustpilot_reviews":{"v":null,"note":"Not checked"},"common_complaints":{"v":null,"note":"Too new for a reliable pattern"},"common_praise":{"v":null,"note":"Too new for a reliable pattern"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":147800,"src":["s13"],"note":"About 2,117 transactions from 71 addresses per Paymentscan, Nov-05, 2026"},"onchain_spend_last_month_usd":{"v":32170,"src":["s13"],"note":"Oct 2026 per Paymentscan; September was $76,660"}},"incidents":[],"referral":{"user_referral_program":{"v":null,"note":"A referral link format exists but terms were not found"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"card_reissue_limit","label":"Card reissues","v":"Up to 3 per account; the old card stops working at once and the balance carries over","src":["s6"]},{"key":"card_closure","label":"Closing a card","v":"Not possible yet; locking is the way to stop use","src":["s6"]},{"key":"unsupported_currencies","label":"Unsupported currencies","v":"Russian ruble, Belarusian ruble, Saudi riyal, Bahraini dinar, Pakistani rupee, Bangladeshi taka","src":["s8"]},{"key":"one_active_card","label":"Cards per user","v":"One active card at a time","src":["s2"]},{"key":"liability","label":"Who is responsible","v":"Send says it is only a referral source and technical facilitator; disputes, chargebacks and fees follow the Wirex terms","src":["s9"]},{"key":"fee_disclosure_gap","label":"Fees and limits not published","v":"Send's terms say fees and spending limits are in the Wirex terms, a fee schedule or the app; none were found in public pages","src":["s9"]}],"tests":[],"sources":[{"id":"s1","url":"https://send.it/product/card","title":"Send Card FAQ (send.it)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://support.send.app/en/articles/16738963-send-card-overview","title":"Send Card Overview","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://send.it/blogs/send-cards-are-now-available","title":"Send Cards Are Now Available (Aug-31, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://support.send.app/en/articles/16917545-foreign-exchange-fx-fees-on-the-send-card","title":"Foreign exchange (FX) fees on the Send Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://support.send.app/en/articles/16738965-getting-your-send-card","title":"Getting your Send Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://support.send.app/en/articles/16738973-funding-and-managing-your-card","title":"Funding and managing your card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://support.send.app/en/articles/16738978-card-troubleshooting","title":"Card troubleshooting (Sep-01, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://support.send.app/en/articles/16761115-send-card-supported-countries","title":"Send Card supported countries","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://support.send.app/en/articles/10916009-terms-of-service","title":"Send Terms of Service, section 16 Card Services","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://support.send.app/en/articles/16738969-adding-your-card-to-apple-pay-or-google-wallet","title":"Adding your card to Apple Pay or Google Wallet","publisher":"issuer","accessed":"2026-11-05"},{"id":"s11","url":"https://support.send.app/en/articles/13140105-depositing-with-debit-card","title":"Depositing with debit card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s12","url":"https://apps.apple.com/us/app/send/id6748525971","title":"Send on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s13","url":"https://paymentscan.xyz/cards/send","title":"Send Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s14","url":"https://send.it/","title":"Send (send.it) home page and legal footer","publisher":"issuer","accessed":"2026-11-05"},{"id":"s15","url":"https://send.it/blogs/send-partners-with-wirex","title":"Wirex to Power Send Cards (Aug-20, 2026)","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":10,"reason":"The issuer is named in Send's terms as WIREX Limited (England and Wales), but its licence is not stated in Send's pages, and Send itself is only a FinCEN-registered money services business acting as a referral source.","src":["s9","s14"]},"custody":{"points":9,"reason":"Send says it is non-custodial, but money loaded on the card becomes a separate USD balance under the Wirex program, and who holds it is not stated.","src":["s2","s9","s14"]},"incidents":{"points":16,"reason":"No incident found for the card, but the Send status page was blocked and the card is under three months old.","src":["s3"]},"track_record":{"points":2,"reason":"Launched Aug-31, 2026 with about $148K all-time spend from 71 addresses per Paymentscan, a very small base.","src":["s3","s13"]},"transparency":{"points":5,"reason":"Fees on the card itself and FX rates are published, but loading fee, limits, cashback status and the issuing bank are not.","src":["s4","s9"]},"support":{"points":4,"reason":"A help centre and in-app support exist; the App Store rating is 5.0 but from only 27 ratings.","src":["s7","s12"]}},"trustPoints":46,"grade":"D","confidence":68,"best":{"tier":"Send Card","net":-60,"pctOfSpend":-0.5,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-60},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":31,"website":"https://send.it","inactive":false},{"slug":"gate","name":"Gate Card","brand":"Gate","checked":"2026-11-05","summary":"Gate Card is a Visa debit card from the Gate exchange, funded from your Gate Pay, Spot or Earn balance and converted at purchase (0.9%). Cashback is paid as points in six tiers from 1% to 8%, set by Gate VIP level or monthly card spend, with a monthly redemption cap of 5 to 400 USDT.","company":{"legal_entity":{"v":"Gate Technology Ltd (Malta, reg. C89337) for the EEA; Gate US, Inc. for the US","src":["s5","s12"],"note":"Other regions are served by other Gate entities; not listed on the card page"},"hq_country":{"v":null,"note":"Not published on the card pages"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not applicable; privately held exchange, not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.gate.com/card","src":["s4"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Stanhope Financial UAB (EEA); Lead Bank via Bridge (US prepaid)","src":["s7","s9"],"note":"Not named on Gate's own card pages. EEA issuer from a Stanhope press release; US issuer from a review citing the Gate US launch. Other regions not published"},"program_manager":{"v":"Bridge (US prepaid card)","src":["s9"],"note":"Per a review; not confirmed by Gate's own pages"},"licences":{"v":["Gate Technology Ltd: MFSA Crypto-Asset Service Provider (GTEC-25238)","Gate Technology Ltd: MFSA Financial Institution (GTEC-25926)"],"src":["s5"],"note":"Licences of the exchange entity, not of the card issuer; the card issuer's own licence is not published by Gate"},"regulator":{"v":"MFSA, Malta (exchange entity, EEA)","src":["s5"]},"card_network":{"v":"Visa","src":["s1","s2"],"note":"EEA Midnight page says Mastercard; Gate says it joined the Mastercard Crypto Partner Program"},"card_product_level":{"v":"Visa Platinum (Classic)","src":["s11"],"note":"Third-party only"}},"product":{"status":{"v":"live","src":["s4"],"note":"Apply Now offered; availability limited to non-restricted regions"},"launched":{"v":"2026-03","src":["s10"],"note":"Per Paymentscan; Gate Card first announced earlier by press; the Gate US card launched Jul-10, 2026 per a review"},"card_kind":{"v":"debit","src":["s5"],"note":"Gate says all Gate Cards are debit cards; the US variant is a prepaid debit card"},"forms":{"v":["virtual","physical"],"src":["s1"]},"custody":{"v":"custodial","src":["s2"],"note":"Funds stay as balances in your Gate account until a purchase"},"custody_detail":{"v":"Card is linked to a Gate Pay account; assets stay in their original form until a purchase, when they are converted and settled. Spend can draw on Gate Pay, Spot and Simple Earn balances","src":["s2","s4"]},"kyc_level":{"v":"full","src":["s4"],"note":"Level 2 identity verification; some cards need proof of address from the last 3 months"},"kyc_documents":{"v":"Level 2 verification; proof of address for some cards","src":["s4"]},"kyc_time":{"v":"Virtual card review usually 3-5 minutes","src":["s4"]},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s4"],"note":"Not offered on the card page; this file covers personal accounts only"},"settlement_currency":{"v":"USD","src":["s1"]},"card_currencies":{"v":null,"note":"Not published"}},"tiers":[{"name":"Classic","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s1"]},"price_annual":{"v":0,"src":["s1"]},"issuance_virtual":{"v":0,"src":["s1"]},"issuance_physical":{"v":0,"src":["s1"],"note":"Delivery cost not published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":25,"src":["s1"]},"staking_required":{"v":0,"src":["s2"]},"other_requirements":{"v":"Level 2 KYC; starting cashback tier set by Gate VIP level at application","src":["s2","s4"]},"cashback_rate":{"v":1,"src":["s2"],"note":"T0 and T1 pay 1%; T2 2%; T3 3%; T4 5%; T5 8%. Tier is set by Gate VIP level or monthly card spend, whichever is better"},"cashback_asset":{"v":"points (100 points = 1 USDT, redeemable for USDT or GT)","src":["s2","s3"]},"cashback_cap_monthly":{"v":5,"src":["s2"],"note":"T0 cap 5 USDT; T1 50; T2 100; T3 150; T4 250; T5 400"},"cashback_eligible_spend":{"v":"Card purchases","src":["s2"]},"cashback_exclusions":{"v":"Fiat payments; fees, deposits and withdrawals; cancelled or refunded orders; financial services, stored value cards, currency exchange, money orders, traveler's cheques","src":["s2"]},"cashback_vesting":{"v":"None; points do not expire","src":["s2","s3"],"note":"Upgrades take effect the following calendar month"},"points_program":{"v":"Gate Card points: 100 points = 1 USDT; manual redemption from 50 points; per-transaction earning caps from 200 points (T0) to 15,000 (T5)","src":["s2","s11"]},"fx_fee":{"v":0.4,"src":["s1","s3"],"note":"On non-USD transactions. No real-payment measurement found. The US help page states Default Visa FX with 1% for the US prepaid card; reviews give 1.7% for the prepaid variant"},"crypto_conversion_fee":{"v":0.9,"src":["s1","s3"],"note":"For transactions of 2 USD or more; flat 0.05 USD below 2 USD"},"topup_fee":{"v":0.9,"src":["s6"],"note":"Gate US prepaid card top-up; Classic spends from the account balance with no manual top-up per a third party"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":2,"src":["s1"],"note":"Plus any operator charge"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":5000,"src":["s1"],"note":"Max 10 withdrawals a day"},"atm_limit_monthly":{"v":15000,"src":["s1"],"note":"Max 100 withdrawals; yearly 50,000"},"spend_limit_per_tx":{"v":10000,"src":["s1"],"note":"T0 and T1; T2 50,000; T3 150,000; T4 500,000"},"spend_limit_daily":{"v":10000,"src":["s1"],"note":"T0 and T1; T2 50,000; T3 150,000; T4 500,000"},"spend_limit_monthly":{"v":50000,"src":["s1"],"note":"T0 and T1; T2 150,000; T3 400,000; T4 1,500,000"},"spend_limit_annual":{"v":50000,"src":["s1"],"note":"T0; T1 150,000; T2 500,000; T3 1,500,000; T4 18,000,000"},"inactivity_fee":{"v":0,"src":["s1"]},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Up to 50% subsidy on AI subscriptions (promotion)","Referral: 5 USDT for referrer, 2 USDT for friend"],"src":["s4"],"note":"Promotions; terms change"}}],"funding":{"crypto_assets":{"v":["USDT","BTC","ETH","GT"],"src":["s4"],"note":"Instant Spend mode; EEA Midnight lists USDC, BTC, ETH. Prepaid mode accepts more assets, not named"},"chains":{"v":null,"note":"Not published"},"fiat_topup":{"v":null,"note":"Not published for the card"},"deposit_fees":{"v":"0.9% top-up (Gate US prepaid card); Classic converts at 0.9% when spending","src":["s6","s3"]},"min_deposit":{"v":null,"note":"Not published by Gate; a review states 10 USDT first load for the prepaid variant"},"spend_from":{"v":"Gate Pay, Spot or Simple Earn balance, converted at purchase","src":["s4"]}},"payments":{"apple_pay":{"v":true,"src":["s10"],"note":"Per Paymentscan"},"google_pay":{"v":true,"src":["s10"],"note":"Per Paymentscan"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s11"],"note":"Third party only"},"online_subscriptions":{"v":true,"src":["s4"],"note":"Promotions are built around AI subscriptions"},"restricted_mccs":{"v":"Financial services, stored value cards, currency exchange, money orders and traveler's cheques earn no cashback","src":["s2"],"note":"Spending restrictions otherwise not published"}},"availability":{"regions":{"v":["Non-restricted countries (list not published)","EEA (Midnight variant)","US (prepaid variant)"],"src":["s4","s5","s6"]},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":null,"note":"List of restricted countries not published on the card page"},"us_available":{"v":true,"src":["s6"],"note":"Prepaid variant through Gate US; services may be restricted in some jurisdictions"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":true,"src":["s5"],"note":"Midnight variant for compliant EEA users"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Balances can sit in Simple Earn and still be spent; rate not published for the card"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":true,"src":["s12"],"note":"Gate US site advertises Proof of Reserves for the exchange; not specific to the card"},"insurance":{"v":"FDIC coverage only for funds at Lead Bank for the US prepaid card issuance; not for crypto balances","src":["s9"],"note":"Per a review"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":4.3,"src":["s9"],"note":"Whole Gate exchange app, US App Store, per a review"},"ios_rating_count":{"v":5200,"src":["s9"],"note":"About; whole Gate app"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["support@gate.com"],"src":["s1"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":1.5,"src":["s9"],"note":"Gate exchange, as reported by a review; not checked at Trustpilot"},"trustpilot_reviews":{"v":1400,"src":["s9"],"note":"About"},"common_complaints":{"v":null,"note":"No specific reports gathered"},"common_praise":{"v":null,"note":"No specific reports gathered"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":11190000,"src":["s10"],"note":"Self-reported by Gate via API, not derived from onchain settlement; includes pre-launch data"},"onchain_spend_last_month_usd":{"v":3790000,"src":["s10"],"note":"Peak monthly volume (Oct 2026) per Paymentscan"}},"incidents":[],"referral":{"user_referral_program":{"v":"5 USDT for the referrer and 2 USDT for the friend, plus up to 0.2% commission on the friend's card spend for 12 months","src":["s4"]},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"US","field":"tiers[0].fx_fee","v":1,"src":["s6"]},{"region":"EEA","field":"card_network","v":"Mastercard (Midnight)","src":["s5"]}],"extra":[{"key":"us_prepaid_variant","label":"US prepaid variant","v":"Gate US prepaid card: free virtual card, no monthly or annual fee, 0.90% top-up, chargeback 35 USD, daily limit 2,000 USD (5,000 USD after 30 days or 1,000 USD spent). Not the same product as Classic","src":["s6"]},{"key":"prepaid_third_party","label":"Prepaid variant fees (third party)","v":"A review lists 1.7% FX, 2% refund charge and a 2 USDT virtual card fee below VIP 5 for the prepaid variant","src":["s9"]},{"key":"cashback_tier_thresholds","label":"Cashback tier thresholds","v":"T0 VIP 0-4; T1 VIP 5-7 or 500 USDT monthly spend; T2 VIP 8 or 3,000; T3 VIP 9 or 6,000; T4 VIP 10-12 or 10,000; T5 VIP 13-14 or 15,000. The cap is reached after about 5,000 USDT of spend in higher tiers","src":["s11"]},{"key":"card_variants","label":"Card variants","v":"Several: Classic (Visa Platinum), AI Elite, Instant Virtual, EEA Midnight, US prepaid. Gate help pages mix names Classic, Platinum, Graphite, Silver","src":["s4","s1"]}],"tests":[],"sources":[{"id":"s1","url":"https://www.gate.com/help/gatecard/gcd1213/50034","title":"Gate Card (Classic Card & Platinum Card) Fees & Limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://www.gate.com/blog/gate-card-deep-dive-stablecoin-payments-up-to-8-percent-cashback-and-global-spending-scenarios","title":"Gate Card in-depth review (Gate blog)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://www.gate.com/blog/gate-card-global-payment-usage-fees","title":"Where can I use a Gate Card? Payment scenarios and fees (Gate blog)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://www.gate.com/card","title":"Gate Card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://www.gate.com/en-eu/card","title":"Gate Card Midnight (EEA)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://www.gate.com/en-us/help/gc/faq/45504","title":"Gate Card fees and limits (US help)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://pressat.co.uk/releases/stanhope-financial-announces-partnership-with-gate-to-power-european-visa-debit-card-program-f0b4f4ced872a26115f33eac27f4974c","title":"Stanhope Financial announces partnership with Gate (press release)","publisher":"press","accessed":"2026-11-05"},{"id":"s9","url":"https://www.cryptocardhub.com/card/gate-card","title":"Gate Card review, updated Aug-11, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s10","url":"https://paymentscan.xyz/cards/gate","title":"Gate on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s11","url":"https://www.spendnode.io/crypto-cards/gate-card-classic/","title":"Gate Card Classic review 2026","publisher":"other","accessed":"2026-11-05"},{"id":"s12","url":"https://www.gate.com/en-us/announcements/article/45495","title":"Gate US launches Gate Card (Gate US announcement)","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":8,"reason":"Gate Technology Ltd holds MFSA (Malta) crypto-asset service provider and financial institution authorisations, but these cover the exchange, not the card. The card issuer is not named on Gate's pages; a press release names Stanhope Financial UAB for the EEA.","src":["s5","s7"]},"custody":{"points":7,"reason":"Custodial: funds stay as balances in the Gate account until converted at purchase. Gate advertises proof of reserves for the exchange, but no card-specific protections are published.","src":["s2","s12"]},"incidents":{"points":16,"reason":"No card-specific incident, freeze or closure found in the sources checked.","src":["s4"]},"track_record":{"points":9,"reason":"Card launched in 2026 per Paymentscan with about $11.2M self-reported spend, mostly from the last months; the exchange itself is long established.","src":["s10"]},"transparency":{"points":6,"reason":"Fees, limits and cashback tiers are published by Gate, but the issuer is not named and regional variants have mixed names and fees.","src":["s1","s2"]},"support":{"points":3,"reason":"Reviews report a Trustpilot score of 1.5 for Gate; the app is rated 4.3 on the US App Store. Limits changes go through email support.","src":["s9","s1"]}},"trustPoints":49,"grade":"D","confidence":95,"best":{"tier":"Classic","net":-87.60000000000002,"pctOfSpend":-0.7300000000000002,"lines":[{"label":"Rewards you can spend","usd":30,"note":"$60 paid in points, counted at 50%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-9.600000000000001},{"label":"Fees on every purchase","usd":-108.00000000000001},{"label":"Cost of locked money","usd":0}]},"score":27,"website":"https://www.gate.com/card","inactive":false},{"slug":"dogpay","name":"DogPay DCS Card","brand":"DogPay","checked":"2026-11-05","summary":"DogPay is a crypto payments app whose personal USD Visa virtual card is issued by DCS Card Centre of Singapore. Four membership tiers change only the top-up fee, there is no cashback, and top-ups become DCS's property rather than being held for you.","company":{"legal_entity":{"v":"Pooltech Limited (app publisher); STRATUSPAY FINTECH LIMITED (Canada, FINTRAC MSB C100000785) named on the site","src":["s6","s1"],"note":"The website footer names StratusPay; the App Store seller is Pooltech Limited"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.dogpay.com","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":"Official community with a 'DogPay Support Assistant' (link not published on the page read)","src":["s10"]}},"issuer":{"name":{"v":"DCS Card Centre Pte. Ltd.","src":["s3"],"note":"Named in the DCS card terms; the cards page itself names no issuer. The review calls it DeCard by DCS, formerly Diners Club Singapore"},"program_manager":{"v":"DogPay (Pooltech Limited)","src":["s6","s8"]},"licences":{"v":null,"note":"No licence number for DCS in its terms; the site's licences page lists only DogPay-side registrations (FinCEN, FINTRAC, Bank of Canada PSP, Hong Kong TCSP and money-lender)"},"regulator":{"v":null,"note":"Not named for DCS; the terms refer to the Monetary Authority of Singapore E-Payments User Protection Guidelines and Singapore law"},"card_network":{"v":"Visa","src":["s8"],"note":"Review: USD Visa virtual card, BIN 4413; Paymentscan lists Visa and Mastercard"},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s6","s7"],"note":"App updated recently and Paymentscan shows volume through Oct-2026; no official status statement"},"launched":{"v":"2025-01","src":["s7"],"note":"Paymentscan listing date; the review says the DCS 4413 card launched Apr-21, 2026"},"card_kind":{"v":"prepaid","src":["s3"],"note":"Terms use credit-card wording (credit limit, cash advance) while top-ups are prepayments; the card class is not stated plainly"},"forms":{"v":["virtual"],"src":["s8"],"note":"Cards page also mentions a physical card; pricing page says physical on Premium and above, but it is not confirmed for the DCS card"},"custody":{"v":"custodial","src":["s3"]},"custody_detail":{"v":"Prepayments become DCS's property on receipt and are not held on trust; a balance left after termination is kept in a separate bank account and refunded only on written request within 30 days","src":["s3"]},"kyc_level":{"v":"full","src":["s1","s8"]},"kyc_documents":{"v":"Passport or residence permit with face check, proof of address from a listed country, and a DCS application form (employment, source of funds)","src":["s8"]},"kyc_time":{"v":"1 to 3 business days","src":["s4","s8"]},"min_age":{"v":18,"src":["s4"],"note":"Card program terms; DCS terms require a guarantor if under 21"},"business_cards":{"v":false,"src":["s8"],"note":"DCS card is personal use only; DogPay separately sells business accounts, not covered here"},"settlement_currency":{"v":"USD","src":["s8"]},"card_currencies":{"v":["USD"],"src":["s8"]}},"tiers":[{"name":"Basic","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s8"],"note":"Free, applied automatically after KYC per the review; not on the issuer's personal pages"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":10,"src":["s8"],"note":"DCS 4413 virtual card activation fee, same on every tier per the review; the issuer's pricing page lists a different, corporate-page schedule"},"issuance_physical":{"v":null,"note":"Not published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s8"]},"other_requirements":{"v":"First top-up of at least $10 to unfreeze the card; one DCS card per person","src":["s8"]},"cashback_rate":{"v":0,"src":["s8"],"note":"Review states no cashback on any tier"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":1.5,"src":["s8"],"note":"Cross-border processing fee 1.5% + $0.30 per transaction (1% + $0.30 at Singapore merchants), same on all tiers; a separate foreign-currency conversion charge at the DCS rate is not quantified. No real-payment test found"},"crypto_conversion_fee":{"v":null,"note":"Not published for the DCS card; the pricing page shows 'Crypto Conversion' fees of 1% / 0.8% / 0.6% / 0.6% by tier but does not say they apply to personal card top-ups"},"topup_fee":{"v":1,"src":["s8"],"note":"Card funding fee; minimum $10 per top-up"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":1,"src":["s7"],"note":"Paymentscan lists ATM $2 + 1%; the issuer states no ATM amount (cash advance fee exists, amount not stated)"},"atm_fee_fixed":{"v":2,"src":["s7"]},"spend_limit_daily":{"v":"No daily limit currently","src":["s8"],"note":"Review statement; the terms say the credit limit is set by DCS at its discretion"},"inactivity_fee":{"v":"Charged after 90 days without logging in to the app; amount not stated","src":["s3"]},"decline_fee":{"v":"$0.50 per declined cross-border payment; $0.20 at Singapore merchants","src":["s8"]},"perks":{"v":["Up to 2 active cards"],"src":["s8"]}},{"name":"Premium","currency":"USD","is_default":false,"price_monthly":{"v":5.99,"src":["s6","s8"],"note":"App Store in-app price $5.99; the review lists a lower web price. Pricing page shows corporate plans only"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":10,"src":["s8"],"note":"DCS 4413 virtual card activation fee, same on every tier per the review; the issuer's pricing page lists a different, corporate-page schedule"},"issuance_physical":{"v":null,"note":"Not published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s8"]},"other_requirements":{"v":"First top-up of at least $10 to unfreeze the card; one DCS card per person","src":["s8"]},"cashback_rate":{"v":0,"src":["s8"],"note":"Review states no cashback on any tier"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":1.5,"src":["s8"],"note":"Cross-border processing fee 1.5% + $0.30 per transaction (1% + $0.30 at Singapore merchants), same on all tiers; a separate foreign-currency conversion charge at the DCS rate is not quantified. No real-payment test found"},"crypto_conversion_fee":{"v":null,"note":"Not published for the DCS card; the pricing page shows 'Crypto Conversion' fees of 1% / 0.8% / 0.6% / 0.6% by tier but does not say they apply to personal card top-ups"},"topup_fee":{"v":0.8,"src":["s8"],"note":"Card funding fee; minimum $10 per top-up"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":1,"src":["s7"],"note":"Paymentscan lists ATM $2 + 1%; the issuer states no ATM amount (cash advance fee exists, amount not stated)"},"atm_fee_fixed":{"v":2,"src":["s7"]},"spend_limit_daily":{"v":"No daily limit currently","src":["s8"],"note":"Review statement; the terms say the credit limit is set by DCS at its discretion"},"inactivity_fee":{"v":"Charged after 90 days without logging in to the app; amount not stated","src":["s3"]},"decline_fee":{"v":"$0.50 per declined cross-border payment; $0.20 at Singapore merchants","src":["s8"]},"perks":{"v":["Up to 5 active cards"],"src":["s8"]}},{"name":"Platinum","currency":"USD","is_default":false,"price_monthly":{"v":12.99,"src":["s6","s8"],"note":"App Store in-app price $12.99; the review lists a lower web price. Pricing page shows corporate plans only"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":10,"src":["s8"],"note":"DCS 4413 virtual card activation fee, same on every tier per the review; the issuer's pricing page lists a different, corporate-page schedule"},"issuance_physical":{"v":null,"note":"Not published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s8"]},"other_requirements":{"v":"First top-up of at least $10 to unfreeze the card; one DCS card per person","src":["s8"]},"cashback_rate":{"v":0,"src":["s8"],"note":"Review states no cashback on any tier"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":1.5,"src":["s8"],"note":"Cross-border processing fee 1.5% + $0.30 per transaction (1% + $0.30 at Singapore merchants), same on all tiers; a separate foreign-currency conversion charge at the DCS rate is not quantified. No real-payment test found"},"crypto_conversion_fee":{"v":null,"note":"Not published for the DCS card; the pricing page shows 'Crypto Conversion' fees of 1% / 0.8% / 0.6% / 0.6% by tier but does not say they apply to personal card top-ups"},"topup_fee":{"v":0.5,"src":["s8"],"note":"Card funding fee; minimum $10 per top-up"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":1,"src":["s7"],"note":"Paymentscan lists ATM $2 + 1%; the issuer states no ATM amount (cash advance fee exists, amount not stated)"},"atm_fee_fixed":{"v":2,"src":["s7"]},"spend_limit_daily":{"v":"No daily limit currently","src":["s8"],"note":"Review statement; the terms say the credit limit is set by DCS at its discretion"},"inactivity_fee":{"v":"Charged after 90 days without logging in to the app; amount not stated","src":["s3"]},"decline_fee":{"v":"$0.50 per declined cross-border payment; $0.20 at Singapore merchants","src":["s8"]},"perks":{"v":["Up to 10 active cards"],"src":["s8"]}},{"name":"Ultra","currency":"USD","is_default":false,"price_monthly":{"v":34.99,"src":["s6","s8"],"note":"App Store in-app price $34.99; the review lists a lower web price. Pricing page shows corporate plans only"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":10,"src":["s8"],"note":"DCS 4413 virtual card activation fee, same on every tier per the review; the issuer's pricing page lists a different, corporate-page schedule"},"issuance_physical":{"v":null,"note":"Not published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s8"]},"other_requirements":{"v":"First top-up of at least $10 to unfreeze the card; one DCS card per person","src":["s8"]},"cashback_rate":{"v":0,"src":["s8"],"note":"Review states no cashback on any tier"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Not published"},"fx_fee":{"v":1.5,"src":["s8"],"note":"Cross-border processing fee 1.5% + $0.30 per transaction (1% + $0.30 at Singapore merchants), same on all tiers; a separate foreign-currency conversion charge at the DCS rate is not quantified. No real-payment test found"},"crypto_conversion_fee":{"v":null,"note":"Not published for the DCS card; the pricing page shows 'Crypto Conversion' fees of 1% / 0.8% / 0.6% / 0.6% by tier but does not say they apply to personal card top-ups"},"topup_fee":{"v":0.3,"src":["s8"],"note":"Card funding fee; minimum $10 per top-up"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":1,"src":["s7"],"note":"Paymentscan lists ATM $2 + 1%; the issuer states no ATM amount (cash advance fee exists, amount not stated)"},"atm_fee_fixed":{"v":2,"src":["s7"]},"spend_limit_daily":{"v":"No daily limit currently","src":["s8"],"note":"Review statement; the terms say the credit limit is set by DCS at its discretion"},"inactivity_fee":{"v":"Charged after 90 days without logging in to the app; amount not stated","src":["s3"]},"decline_fee":{"v":"$0.50 per declined cross-border payment; $0.20 at Singapore merchants","src":["s8"]},"perks":{"v":["Up to 20 active cards"],"src":["s8"]}}],"funding":{"crypto_assets":{"v":["USDT"],"src":["s1"],"note":"Cards page names USDT; Paymentscan also lists BTC, ETH, SOL, DOGE for the app"},"chains":{"v":null,"note":"Not published"},"fiat_topup":{"v":null,"note":"Not published"},"deposit_fees":{"v":null,"note":"Not published"},"min_deposit":{"v":10,"src":["s8"],"note":"USD per top-up"},"spend_from":{"v":"Card balance in USD after converting deposited USDT in the app","src":["s1"]}},"payments":{"apple_pay":{"v":true,"src":["s1","s6"]},"google_pay":{"v":true,"src":["s1"],"note":"Where eligible"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":true,"src":["s1","s6"],"note":"Marketed for online subscriptions and shopping"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":null,"note":"Not published"},"countries_supported_count":{"v":"180+ countries and regions in the payment network (App Store text)","src":["s6"]},"countries_supported":{"v":null,"note":"Not published; the review says proof of address must come from one of nine listed countries"},"countries_excluded":{"v":["AF","AL","BY","BA","CF","CD","CU","CY","ER","HT","IR","IQ","XK","LB","LR","LY","MK","MD","ME","KP","RU","RS","SO","SY","UA","VE","VN","YE","ZW"],"src":["s4"],"note":"Card program terms list; Congo given without specifying which"},"us_available":{"v":null,"note":"Not published"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":null,"note":"Not published"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":"Business-oriented virtual bank accounts (US, HK, SG) on the pricing page; not confirmed for personal users","src":["s2"]},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":6,"src":["s2"],"note":"Flexible stablecoin yield 6% (6.5% Ultra) on the pricing page, shown for corporate plans; not confirmed for personal users"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":true,"src":["s1"],"note":"Card controls in the app"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/dogpay/id6743393650","src":["s6"]},"ios_rating":{"v":5,"src":["s6"]},"ios_rating_count":{"v":4,"src":["s6"]},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English"],"src":["s6"]},"web_app":{"v":"https://mp.dogpay.com","src":["s1"]},"support_channels":{"v":["Telegram support assistant","Email"],"src":["s10"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":null,"note":"Not published"},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":21820000,"src":["s7"],"note":"Paymentscan total volume, self-reported by DogPay via API, not on-chain"},"onchain_spend_last_month_usd":{"v":3432000,"src":["s7"],"note":"Oct-2026, self-reported"}},"incidents":[],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"fees_in_app","label":"Fee schedule","v":"The cards page says fees are shown in the app; amounts used here come from a review and the App Store","src":["s1","s8"]},{"key":"refund_reversal_dispute_fees","label":"Refund, reversal, dispute fees","v":"Refund 2%, reversal 1%, dispute $35","src":["s8"]},{"key":"early_termination_fee","label":"Early termination fee","v":"Applies if the card is closed within 180 days of approval; amount not stated","src":["s3"]},{"key":"unauthorised_liability","label":"Unauthorised transaction liability cap","v":"100 USD for USD cardholders, subject to conditions","src":["s3"]},{"key":"pricing_page_caveat","label":"Pricing page covers corporate plans","v":"The issuer's pricing page lists plans at $199 to $799 a month with card issuance $10/$5/$3/$1 and top-up 1%/0.5%/0.3%/0%; these are not personal prices and are not used","src":["s2"]}],"tests":[],"sources":[{"id":"s1","url":"https://www.dogpay.com/us/cards","title":"DogPay Cards","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://www.dogpay.com/us/pricing","title":"DogPay Pricing","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://www.dogpay.com/us/dcs-terms-conditions","title":"DCS Terms and Conditions (updated Feb-02, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://www.dogpay.com/us/card-program-terms","title":"Card Program Terms (updated Jul-15, 2025)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://www.dogpay.com/us/licenses","title":"DogPay licences and compliance","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://apps.apple.com/us/app/dogpay/id6743393650","title":"DogPay on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s7","url":"https://paymentscan.xyz/cards/dogpay","title":"DogPay on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s8","url":"https://penchan.co/crypto/cards/dogpay-card-guide/","title":"DogPay card guide (Penchan, Oct-27, undated year)","publisher":"review","accessed":"2026-11-05"},{"id":"s9","url":"https://www.dogpay.com/us/membership-agreement","title":"Membership Agreement","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://www.dogpay.com/us/help-center","title":"DogPay Help Centre","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":5,"reason":"DCS Card Centre is named as issuer in its terms but no licence number or regulator is stated; the site shows only DogPay-side registrations such as FINTRAC MSB.","src":["s3","s5"]},"custody":{"points":6,"reason":"Top-ups become DCS's property and are expressly not held on trust; a leftover balance must be claimed in writing within 30 days.","src":["s3"]},"incidents":{"points":15,"reason":"No incident, freeze or hack was found in the pages read; no dedicated incident search was possible within limits.","src":["s7"]},"track_record":{"points":6,"reason":"Listed on Paymentscan since Jan 2025 with about $21.8M self-reported volume; the DCS card itself reportedly launched only in Apr 2026.","src":["s7","s8"]},"transparency":{"points":3,"reason":"Fees are 'shown in the app', the card terms contain unfilled placeholders, and the cards page names no issuer; personal prices appear only in a review and the App Store.","src":["s1","s4","s8"]},"support":{"points":4,"reason":"Support is by Telegram assistant and email only; no hours published; App Store rating is 5.0 from 4 ratings.","src":["s10","s6"]}},"trustPoints":39,"grade":"F","confidence":74,"best":{"tier":"Basic","net":-161,"pctOfSpend":-1.3416666666666668,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":-5},{"label":"FX fee on foreign spend","usd":-36},{"label":"Fees on every purchase","usd":-120},{"label":"Cost of locked money","usd":0}]},"score":21,"website":"https://www.dogpay.com","inactive":false},{"slug":"solayer","name":"Solayer Pay Card","brand":"Solayer","checked":"2026-11-05","summary":"Solayer Pay is a Visa-compatible card from the Solayer (Solana) project that spends USDC straight from an on-chain balance. It costs $20 a year, charges a top-up fee and a $0.15 fee per USD purchase, and pays points rather than cash back; Solayer's own pages disagree on some fees.","company":{"legal_entity":{"v":"Solayer Labs, Inc.","src":["s7"],"note":"Named in the site terms; governed by New York law"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://solayer.org","src":["s8"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":null,"note":"Not named in Solayer's pages. An unverified report says Rain, but no issuer or Paymentscan page confirms it"},"program_manager":{"v":"Solayer","src":["s8"]},"licences":{"v":null,"note":"Not published"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s6","s8"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s2","s5"],"note":"Virtual and physical cards can be ordered; Paymentscan shows very low activity in Nov 2026"},"launched":{"v":"2025-03","src":["s6"],"note":"Per Paymentscan; physical card added May 2026 per press (search summary only)"},"card_kind":{"v":null,"note":"Not published; Paymentscan says no borrow-to-spend"},"forms":{"v":["virtual","physical"],"src":["s2","s5"],"note":"Physical card in-store use was listed as coming soon in the FAQ; the card docs describe ATM use"},"custody":{"v":"self-custody","src":["s8"],"note":"Solayer says it is non-custodial and fully on-chain, but funds are deposited into the card and no card terms were found to confirm who holds them"},"custody_detail":{"v":null,"note":"Not published"},"kyc_level":{"v":"full","src":["s2"]},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":"3-5 business days","src":["s2","s3"]},"min_age":{"v":18,"src":["s2"]},"business_cards":{"v":false,"src":["s2"],"note":"Docs describe only personal applications"},"settlement_currency":{"v":"USD","src":["s1"]},"card_currencies":{"v":["USD"],"src":["s1"]}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":null,"note":"Billed yearly"},"price_annual":{"v":20,"src":["s1","s2","s5"],"note":"Membership covers card access and maintenance for 12 months; the card docs call it a one-time account activation fee covering the virtual card for the first year"},"issuance_virtual":{"v":0,"src":["s1","s5"],"note":"Covered by the $20 yearly membership"},"issuance_physical":{"v":0,"src":["s5"],"note":"Card itself is free; you pay shipping only"},"shipping":{"v":"US Express $24.99 (2-5 business days); international Express $59.99 (5-11 business days)","src":["s5"]},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"]},"other_requirements":{"v":"KYC, age 18+, supported region","src":["s2"]},"cashback_rate":{"v":0,"src":["s3","s8"],"note":"No cash back is published; spending earns Solayer Card Points instead"},"cashback_asset":{"v":"points","src":["s3"],"note":"Solayer Card Points, which may unlock future $LAYER rewards and partner airdrops"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":"Every transaction earns Solayer Card Points; 10% of referrals' points go to the referrer. Points value and redemption are not published","src":["s3","s8"]},"fx_fee":{"v":1.5,"src":["s1"],"note":"Issuer pages disagree: fee page says $0.10 + 1.5% on international (non-USD) transactions, FAQ says $0.10 + 1.75%. A user-reported EUR test (see tests) found the card the most expensive of five, including deposit and per-transaction fees"},"crypto_conversion_fee":{"v":null,"note":"Not published; card spends USDC directly per the overview"},"topup_fee":{"v":1,"src":["s1"],"note":"Issuer pages disagree: fee page 1% of amount loaded, FAQ 0.5% per top-up, tutorial $0.10 per top-up"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":null,"note":"Not published; standard ATM and network fees may apply"},"atm_fee_fixed":{"v":null,"note":"Not published; standard ATM and network fees may apply"},"atm_limit_daily":{"v":null,"note":"Not published; max 3 attempts per rolling 24 hours"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":250,"src":["s5"],"note":"This is the ATM maximum per transaction including surcharges; purchase limits are not published"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":"No fee; card is deactivated after six months without use and a new card must be requested","src":["s1"]},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Solayer Card Points","Referral points (10%)","Optional yield on sUSD balance (about 4-5%, not a card feature)"],"src":["s3"]}}],"funding":{"crypto_assets":{"v":["USDC"],"src":["s3"]},"chains":{"v":["Solana"],"src":["s6"],"note":"Per Paymentscan; docs do not name the deposit network"},"fiat_topup":{"v":null,"note":"Not published"},"deposit_fees":{"v":"1% (fee page); 0.5% (FAQ); $0.10 (tutorial)","src":["s1","s2","s4"]},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"USDC balance deposited into the card","src":["s3","s4"]}},"payments":{"apple_pay":{"v":true,"src":["s2"]},"google_pay":{"v":true,"src":["s2"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Physical-card in-store use listed as coming soon in the FAQ"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":null,"note":"Most countries"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":["CA","GB","IN","CN"],"src":["s2"],"note":"FAQ also lists many other restricted countries and US states (Arizona, Nevada, Ohio)"},"us_available":{"v":true,"src":["s2"],"note":"Except some states"},"uk_available":{"v":false,"src":["s2"]},"eea_available":{"v":null,"note":"FAQ lists many restricted countries; check the current list"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":true,"src":["s8"],"note":"0% fees on P2P transfers"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":4.5,"src":["s3"],"note":"About 4-5% on sUSD, a Treasury-backed stablecoin; optional, separate from card balance"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":true,"src":["s2"],"note":"Freeze or unfreeze from the card dashboard"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":"https://app.solayer.org/card","src":["s3"]},"support_channels":{"v":["In-app support","support@solayer.org","Discord"],"src":["s4","s5"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Highest all-in cost of five compared cards on a small EUR purchase, due to deposit and per-transaction fees (user report)"],"src":["s10"]},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":29810000,"src":["s6"],"note":"543 transactions per Paymentscan"},"onchain_spend_last_month_usd":{"v":null,"note":"Nov 2026 shows $144.7K over 3 transactions; Oct 2026 about $1.29M, unverified"}},"incidents":[],"referral":{"user_referral_program":{"v":"Referrers earn 10% of their referrals' Solayer Card Points","src":["s3"]},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"International","field":"tiers[0].fx_fee","v":1.75,"src":["s2"]}],"extra":[{"key":"per_transaction_fee_usd","label":"Fee per USD transaction","v":"$0.15 per USD transaction; international transactions $0.10 plus the FX percentage","src":["s1"]},{"key":"card_limit","label":"Cards per account","v":"Maximum 10 cards including cancelled ones","src":["s5"]},{"key":"atm_rules","label":"ATM rules","v":"Up to $250 per withdrawal including surcharges, 3 attempts per rolling 24 hours","src":["s5"]}],"tests":[{"metric":"other","value":null,"text":"Small EUR purchase (EUR 6.18) paid in USD: Solayer cost $7.51, the highest of five cards (Backpack $7.11, Jupiter $7.15, Avici $7.15, KAST $7.31); the tester attributes it to the deposit fee plus a per-transaction fee","tester":"Finek chat member","date":"2026-07-17","src":["s10"]}],"sources":[{"id":"s1","url":"https://docs.solayer.org/solayer-pay/fee.md","title":"Solayer Pay fee structure","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://docs.solayer.org/solayer-pay/faq.md","title":"Solayer Pay FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://docs.solayer.org/solayer-pay/overview.md","title":"Solayer Pay overview","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://docs.solayer.org/solayer-pay/tutorials/topup.md","title":"Solayer Pay top-up tutorial","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://docs.solayer.org/solayer-pay/card","title":"Solayer Pay physical card docs","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://paymentscan.xyz/cards/solayer","title":"Solayer Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s7","url":"https://solayer.org/terms","title":"Solayer Terms (site and testnet; no card terms)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://solayer.org/product/solayer-pay","title":"Solayer Pay product page","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://digital-release.wowktv.com/business/press-releases/cision/20260527SF69455/solayer-introduces-physical-card-for-solayer-pay-expanding-real-world-stablecoin-spending","title":"Press release: physical card (search summary only)","publisher":"other","accessed":"2026-11-05"},{"id":"s10","url":"https://t.me/c/1916527029/219254","title":"Finek chat, user report, Jul-17, 2026","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":5,"reason":"No issuer is named and no licence or regulator is published; the legal entity is a US company.","src":["s7","s8"]},"custody":{"points":10,"reason":"Solayer says the card is non-custodial and on-chain, but funds are deposited into the card and no card terms confirm who controls them.","src":["s8","s4"]},"incidents":{"points":16,"reason":"No incident found in the sources read.","src":["s6"]},"track_record":{"points":8,"reason":"Live since Mar-2025 with about $29.8M total volume per Paymentscan, but activity fell to $144.7K in Nov 2026.","src":["s6"]},"transparency":{"points":3,"reason":"Fee page, FAQ and tutorial give different top-up and FX fees, and no card terms or issuer were found.","src":["s1","s2","s4"]},"support":{"points":3,"reason":"Support is by app, email and Discord; no hours, ratings or review data found.","src":["s5"]}},"trustPoints":45,"grade":"D","confidence":63,"best":{"tier":"Standard","net":-176,"pctOfSpend":-1.4666666666666666,"lines":[{"label":"Rewards you can spend","usd":0,"note":"$0 paid in points, counted at 50%"},{"label":"Subscription","usd":-20},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-36},{"label":"Fees on every purchase","usd":-120},{"label":"Cost of locked money","usd":0}]},"score":21,"website":"https://solayer.org","inactive":false},{"slug":"karta-io","name":"Karta Personal","brand":"Karta","checked":"2026-11-05","summary":"Karta Personal is a Telegram-based stablecoin account with a Visa virtual card (5 USDT) and optional plastic or metal cards, funded with USDT/USDC or bank transfers. There is no cashback and no subscription; a 1.5% fee applies to card payments, plus Visa's 1% on non-USD spend.","company":{"legal_entity":{"v":"Karta Finance Inc., 221 W 10th St, Wilmington, DE 19801, USA","src":["s1","s11"]},"hq_country":{"v":"United States","src":["s1"],"note":"Delaware company address"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://karta.io","src":["s1"]},"x_handle":{"v":"@Karta_Personal","src":["s1"]},"telegram":{"v":"https://t.me/karta","src":["s1"]}},"issuer":{"name":{"v":"Third National Bank","src":["s3"],"note":"Issuer terms/help name Third National Bank, issuing from Puerto Rico; Paymentscan links the program to Rain"},"program_manager":{"v":"Karta Finance Inc.","src":["s1"],"note":"Karta says it is not a bank and works with unnamed regulated card-issuing partners; program reportedly on Rain's platform per Paymentscan"},"licences":{"v":null,"note":"Not published"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s1","s10"]},"card_product_level":{"v":"Visa Signature","src":["s1"]}},"product":{"status":{"v":"live","src":["s1"]},"launched":{"v":"2024-12","src":["s10"],"note":"Per Paymentscan"},"card_kind":{"v":null,"note":"Not published"},"forms":{"v":["virtual","physical","metal"],"src":["s2"]},"custody":{"v":"custodial","src":["s4","s8"],"note":"Deposits are converted into a USDT balance on the Personal account and purchases are deducted from it; the homepage speaks of self-custody, which the help pages do not describe"},"custody_detail":{"v":null,"note":"Not published; homepage claims user control of the wallet but help pages describe a single account balance"},"kyc_level":{"v":"full","src":["s1"],"note":"Homepage says verification takes up to about 5 minutes"},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":"Up to about 5 minutes","src":["s1"]},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s1"],"note":"Karta Business is a separate product and is not covered here"},"settlement_currency":{"v":"USD","src":["s3"]},"card_currencies":{"v":["USD"],"src":["s3"]}},"tiers":[{"name":"Personal","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s11"],"note":"No subscription; third-party guide says no monthly, annual or inactivity fees. Help fee page lists none"},"price_annual":{"v":0,"src":["s11"],"note":"No annual fee listed on the issuer fee page"},"issuance_virtual":{"v":5,"src":["s2","s1"],"note":"5 USDT, shown as discounted from 30 USDT"},"issuance_physical":{"v":99,"src":["s2"],"note":"Plastic card 99 USDT per the help fee page; homepage says from 100 USDT. Metal card 299 USDT"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":15,"src":["s2"],"note":"Virtual card reissuance 15 USDT; physical reissue fee not published"},"staking_required":{"v":0,"src":["s2"],"note":"No staking listed"},"other_requirements":{"v":"KYC verification; unavailable to citizens/residents of unsupported countries","src":["s6"]},"cashback_rate":{"v":0,"src":["s10"],"note":"No cashback on card spend; referral rewards paid in 'karats' (1 karat = 0.01 USDT) per homepage"},"cashback_asset":{"v":null,"note":"No cashback"},"cashback_cap_monthly":{"v":null,"note":"No cashback"},"cashback_eligible_spend":{"v":null,"note":"No cashback"},"cashback_exclusions":{"v":null,"note":"No cashback"},"cashback_vesting":{"v":null,"note":"No cashback"},"points_program":{"v":"Referral rewards in karats (1 karat = 0.01 USDT), earned from friends' spending","src":["s1"]},"fx_fee":{"v":1,"src":["s2"],"note":"Visa's 1% international fee on payments and withdrawals in currencies other than USD; conversion at mid-market rate, no separate Karta markup stated. Card payment fee of 1.5% applies on top (see crypto_conversion_fee)"},"crypto_conversion_fee":{"v":1.5,"src":["s2","s1","s10"],"note":"Karta states a 1.5% card payment fee; applies to every purchase. Deposits are converted to a USDT balance, no separate spread stated"},"topup_fee":{"v":"Stablecoins free (Tron TRC-20 5.90 USDT); ACH 0.30% + 2.50 USDT; SWIFT 0.30% + 37.50 USDT; US wire 0.30% + 30 USDT; SEPA 1.00% + 2.00 USDT; PIX 1.00% + 0.50 USDT; COP 1.00% + 0.50 USDT; SPEI 1.00%","src":["s2","s9"]},"atm_free_monthly":{"v":0,"src":["s2"],"note":"No free ATM allowance listed"},"atm_fee_pct":{"v":2.5,"src":["s2","s10"],"note":"Help page and Paymentscan say 2.5%; the homepage says 1.5% + 1 USDT. Help page used as more detailed"},"atm_fee_fixed":{"v":1,"src":["s2"],"note":"1 USDT per successful withdrawal; declined ATM attempt also costs 1 USDT"},"atm_limit_daily":{"v":null,"note":"Not published"},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":25000,"src":["s5"],"note":"Higher amounts reviewable via support"},"spend_limit_daily":{"v":null,"note":"Not published"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s11"],"note":"Not listed on the issuer fee page; third-party guide says none"},"decline_fee":{"v":"ATM declines cost 1 USDT; no fee published for other declines","src":["s2"]},"perks":{"v":["Referral rewards in karats"],"src":["s1"]}}],"funding":{"crypto_assets":{"v":["USDT","USDC"],"src":["s8","s1"],"note":"Tron accepts USDT only"},"chains":{"v":["Ethereum","Solana","Polygon","Base","Arbitrum","Optimism","BNB Chain","Tron"],"src":["s8","s1"],"note":"Homepage list; other help snippets may list Avalanche and zkSync instead of BNB Chain and Solana"},"fiat_topup":{"v":["ACH","SWIFT","US domestic wire","SEPA","PIX (temporarily unavailable)","COP bank transfer","SPEI"],"src":["s9"]},"deposit_fees":{"v":"Stablecoins free (Tron 5.90 USDT); bank transfers 0.30% to 1.00% plus fixed fee","src":["s2","s9"]},"min_deposit":{"v":"1 USDT per network; 15 USDT on Tron","src":["s8"],"note":"Fiat minimums not published"},"spend_from":{"v":"Personal account balance (USDT)","src":["s4"]}},"payments":{"apple_pay":{"v":true,"src":["s4"],"note":"Depends on verification country being supported by Apple"},"google_pay":{"v":true,"src":["s4"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":true,"src":["s3"],"note":"Codes sent by email or phone"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["Worldwide except sanctioned countries"],"src":["s6","s7"]},"countries_supported_count":{"v":"200+ countries and territories where Visa is accepted","src":["s1"],"note":"Card acceptance, not eligibility; eligibility depends on an unpublished list"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":["SY","IR","CU","KP","RU","UA","VE"],"src":["s7"],"note":"Card transactions are declined there; full list of ineligible residence countries available only from support"},"us_available":{"v":false,"src":["s11"],"note":"Third-party guide says US citizens cannot apply; not confirmed by the issuer"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":null,"note":"Not published"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":"Virtual accounts for USD, EUR, BRL, COP, MXN top-ups","src":["s1","s9"]},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":false,"src":["s1"],"note":"Bank withdrawals shown as coming soon"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":false,"src":["s10"]},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Withdrawal to external crypto wallets: network fee 0.9 to 4.9 USDT plus 0.1% service fee","src":["s2"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":"Not FDIC insured","src":["s1"]},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"No App Store app; access is through Telegram"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"No Play Store app; access is through Telegram"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":"Telegram mini app: https://t.me/Karta/app","src":["s1"]},"support_channels":{"v":"In-app support and help centre","src":["s4"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":null,"note":"Not published"},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":"Over 20,000 monthly users","src":["s1"]},"onchain_spend_all_time_usd":{"v":155100000,"src":["s10"],"note":"Total spend per Paymentscan, 981 transactions listed"},"onchain_spend_last_month_usd":{"v":18050000,"src":["s10"],"note":"Oct 2026 per Paymentscan"}},"incidents":[{"date":"2026-11","type":"outage","summary":"PIX (BRL) top-ups are listed as temporarily unavailable.","src":["s9"]}],"referral":{"user_referral_program":{"v":"Earn karats from friends' spending (1 karat = 0.01 USDT)","src":["s1"]},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"metal_card_price","label":"Metal card price","v":"299 USDT","src":["s2"]},{"key":"card_issuing_location","label":"Card issuing location","v":"Puerto Rico (USA), Third National Bank","src":["s3"]},{"key":"card_reissue_limit","label":"Card reissue limit","v":"Up to 100 per account","src":["s5"]},{"key":"crypto_withdrawal_fee","label":"Withdrawal to crypto wallet","v":"0.1% service fee plus network fee 0.9 to 4.9 USDT","src":["s2"]}],"tests":[],"sources":[{"id":"s1","url":"https://karta.io","title":"Karta homepage","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://intercom.help/karta-personal/en/articles/10511616-are-there-any-fees-for-using-karta-personal","title":"Are there any fees for using Karta Personal?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://intercom.help/karta-personal/en/articles/10429189-managing-your-card","title":"Managing your card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://intercom.help/karta-personal/en/articles/10540145-how-do-i-use-the-karta-personal-card","title":"How do I use the Karta Personal card?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://intercom.help/karta-personal/en/articles/11705180-card-limits","title":"Card limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s6","url":"https://intercom.help/karta-personal/en/articles/10531752-who-can-get-a-karta-personal-card","title":"Who can get a Karta Personal card?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://intercom.help/karta-personal/en/articles/12741031-countries-where-the-card-doesn-t-work","title":"Countries where the card doesn't work","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://intercom.help/karta-personal/en/articles/10428920-how-to-top-up-your-account-with-crypto","title":"How to top up your account with crypto","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://intercom.help/karta-personal/en/articles/15272496-virtual-account-top-up-fees-and-processing-times","title":"Virtual account top-up fees and processing times","publisher":"issuer","accessed":"2026-11-05"},{"id":"s10","url":"https://paymentscan.xyz/cards/karta-io","title":"Paymentscan: Karta.io","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s11","url":"https://penchan.co/en/crypto/cards/karta-card-guide/","title":"Karta card guide (Penchan)","publisher":"other","accessed":"2026-11-05"}],"trust":{"licence":{"points":8,"reason":"Karta Finance Inc. is a Delaware company with no licence of its own published. Third National Bank is named as issuer.","src":["s3","s1"]},"custody":{"points":6,"reason":"Help pages describe one USDT balance on the account, while the homepage says self-custody. Not FDIC insured.","src":["s4","s8","s1"]},"incidents":{"points":18,"reason":"No hack or freeze found. PIX top-ups are listed as temporarily unavailable.","src":["s9"]},"track_record":{"points":9,"reason":"$155M spend tracked by Paymentscan since Dec 2024.","src":["s10"]},"transparency":{"points":6,"reason":"A fee page exists, but the homepage and help page disagree on the ATM fee. No monthly fee is stated outright.","src":["s2","s4"]},"support":{"points":4,"reason":"In-app support and a help centre. No store ratings or Trustpilot score found.","src":["s4"]}},"trustPoints":51,"grade":"D","confidence":79,"best":{"tier":"Personal","net":-206.5,"pctOfSpend":-1.7208333333333332,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":-2.5},{"label":"FX fee on foreign spend","usd":-24},{"label":"Fees on every purchase","usd":-180},{"label":"Cost of locked money","usd":0}]},"score":18,"website":"https://karta.io","inactive":false},{"slug":"bfinance","name":"BFinance Card","brand":"BFinance","checked":"2026-11-05","summary":"BFinance is a Telegram mini-app account from a Canadian-registered company that issues a $1 virtual Visa card funded with USDT or USDC and usable with Apple Pay and Google Pay. The issuer publishes no personal fee schedule or card terms, so fees, limits and the card issuer rest on third-party reports.","company":{"legal_entity":{"v":"BF TECHNOLOGIES CORP. (British Columbia, Canada, reg. no. BC1551114); BFinance Technologies s.r.o. (Prague) appears on the availability list","src":["s3","s2"],"note":"Terms name the Canadian company as operator of the platform; services are provided under separate agreements"},"hq_country":{"v":"Canada","src":["s3"],"note":"Registered office in Vancouver; a Prague office appears on the products availability list"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://bfinance.app","src":["s3"],"note":"The site now shows only Business and Build-with-us products; its Personal page says 'Coming soon', while the Telegram mini app serves individuals"},"x_handle":{"v":"@bfinancepay","src":["s1"],"note":"Handle also used for the Telegram channel"},"telegram":{"v":"https://t.me/bfinancepay","src":["s1"],"note":"Mini app: t.me/bfinancebot/app"}},"issuer":{"name":{"v":null,"note":"Not published by the issuer or Paymentscan. Finek (Dec-2025) says Sutton Bank, a Finek chat report says Wirex, Cardify says Wirex-backed, and a Jun-2026 user report says the card provider is being changed"},"program_manager":{"v":"BF TECHNOLOGIES CORP.","src":["s3"],"note":"Finek says the platform runs on Bridge.xyz infrastructure; not confirmed by the issuer"},"licences":{"v":["FINTRAC registration No. C10001733 (Canada)"],"src":["s3"],"note":"Terms give the registration number without naming the category. The issuer says it is applying for CASP authorisation in the EU"},"regulator":{"v":"FINTRAC (Canada)","src":["s3"]},"card_network":{"v":"Visa","src":["s1","s5"],"note":"Issuer's posts say 'virtual Visa'; Finek (Dec-2025) described both Visa and Mastercard"},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"live","src":["s1"]},"launched":{"v":"2024-09","src":["s5"],"note":"Paymentscan gives Sep-2024"},"card_kind":{"v":null,"note":"Not published"},"forms":{"v":["virtual"],"src":["s1"]},"custody":{"v":"custodial","src":["s6"],"note":"Cardify describes a custodial wallet; the issuer does not describe custody"},"custody_detail":{"v":null,"note":"Issuer publishes no custody or safeguarding terms for personal accounts"},"kyc_level":{"v":"full","src":["s1","s7"]},"kyc_documents":{"v":"Identity verification run by Sumsub","src":["s4"],"note":"Cardify lists email, phone, proof of address, ID, face scan and a questionnaire; Finek (Dec-2025) says proof of address is not required"},"kyc_time":{"v":"A couple of minutes after KYC the card is ready","src":["s1"],"note":"Cardify reports about 10 minutes for setup"},"min_age":{"v":18,"src":["s3"]},"business_cards":{"v":false,"src":["s1"],"note":"Personal accounts only are listed here; business accounts and cards are a separate product"},"settlement_currency":{"v":"USD","src":["s5"],"note":"Spending is from a USD or USDC balance per Paymentscan"},"card_currencies":{"v":null,"note":"Not published"}},"tiers":[{"name":"Virtual card","currency":"USD","is_default":true,"price_monthly":{"v":null,"note":"No card subscription is stated; Paymentscan lists a $5 monthly fee for a bank account, which is separate from the card"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":1,"src":["s1"],"note":"Issuer says the card costs $1; Cardify reports the $1 is credited straight to the balance"},"issuance_physical":{"v":null,"note":"Issuer promotes a virtual card only; Cardify contradicts itself on a physical card"},"shipping":{"v":null,"note":"No physical card offered"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"Nothing to lock is mentioned; the card needs only KYC and a balance"},"other_requirements":{"v":"Full KYC through the Telegram mini app before the card works","src":["s1","s7"],"note":"A Trustpilot reviewer says payments are blocked until full KYC is done"},"cashback_rate":{"v":0,"src":["s5"],"note":"Paymentscan lists no base cashback; the Nov-04, 2026 channel post hints at getting 'a bit back' without a rate"},"cashback_asset":{"v":null,"note":"Not published"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"Paymentscan lists category rewards on partner services: 5% on eSIMs, up to 20% on airport lounge bookings, 5% on other airport services"},"fx_fee":{"v":1.5,"src":["s6","s5"],"note":"Not published by the issuer for this card. Cardify reports 1.5% over mid-market (provider claim) and Paymentscan lists 1-2%; Paymentscan measured about 2.97% on one tiny PLN 1.70 purchase, and Finek reported about 1% in Dec-2025"},"crypto_conversion_fee":{"v":null,"note":"Not published; see the top-up fee reports in tests"},"topup_fee":{"v":null,"note":"Not published now. A user reported 1.5% in Feb-2026 (see tests); the former consumer page and a promotional article reportedly showed 1.5% and 2%"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":0,"src":["s5"],"note":"Paymentscan lists no additional ATM fees; Cardify says ATM use needs a physical card, which the issuer does not promote"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":null,"note":"Reports conflict: about $500 (Finek, Dec-2025) and EUR 500 (Cardify)"},"atm_limit_monthly":{"v":null,"note":"Reports conflict: about $2,000 (Finek, Dec-2025) and EUR 5,000 (Cardify)"},"spend_limit_per_tx":{"v":null,"note":"Reports conflict: $25,000 (Finek, Dec-2025) and EUR 30,000 (Cardify)"},"spend_limit_daily":{"v":null,"note":"Reports conflict: $50,000 (Finek, Dec-2025) and EUR 30,000 (Cardify)"},"spend_limit_monthly":{"v":null,"note":"Reports conflict: $400,000 (Finek, Dec-2025) and EUR 30,000 (Cardify)"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"The business fee schedule lists a $10 dormancy fee; no personal card figure is published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["eSIM purchases with cashback","Airport lounge booking discounts"],"src":["s5"]}}],"funding":{"crypto_assets":{"v":["USDT","USDC"],"src":["s1"]},"chains":{"v":["Ethereum","BNB Smart Chain","Solana","Arbitrum One","Avalanche C-Chain","Base"],"src":["s5"],"note":"USDC deposit networks observed by Paymentscan"},"fiat_topup":{"v":["SEPA","ACH","Fedwire","Faster Payments","BACS","PIX","SPEI","COP bank transfer","Bybit Pay"],"src":["s5"],"note":"Bank rails go to a BFinance account balance; card top-ups from Visa, Mastercard and others were unavailable when Paymentscan tested"},"deposit_fees":{"v":"Incoming bank payments 0.5%","src":["s5"],"note":"Card top-up fee not published; see tests"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Balance held in the BFinance account","src":["s1"],"note":"Issuer: top up with USDT or USDC, then pay by card"}},"payments":{"apple_pay":{"v":true,"src":["s1"]},"google_pay":{"v":true,"src":["s1"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s1"],"note":"Issuer's post says to tap at the counter, via Apple Pay or Google Pay"},"online_subscriptions":{"v":true,"src":["s1"],"note":"Issuer promotes subscriptions such as AI and hosting tools"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["EEA","UK","US","LATAM","APAC","Middle East","Africa"],"src":["s2"]},"countries_supported_count":{"v":77,"src":["s2"],"note":"Cards row of the products availability list; wallets are open to almost every country"},"countries_supported":{"v":["AD","AT","BE","BG","HR","CY","CZ","DK","EE","FI","FR","DE","GI","GR","HU","IS","IE","IT","LV","LT","LU","MT","MC","ME","NL","NO","PL","PT","RO","SK","SI","ES","SE","CH","GB","AU","HK","ID","MY","PH","SG","TW","TH","VN","AR","BR","CL","CO","EC","MX","PE","AZ","GE","GH","GG","IM","IL","JE","KZ","KE","MO","MD","NG","OM","PA","ZA","TR","UG","UA","AE","JP","KR","SV","SA","BH","UZ","US"],"src":["s2"]},"countries_excluded":{"v":null,"note":"The list shows where cards are available; every country not on it is excluded"},"us_available":{"v":true,"src":["s2"]},"uk_available":{"v":true,"src":["s2"]},"eea_available":{"v":true,"src":["s2"]}},"account_features":{"iban":{"v":null,"note":"Finek (Dec-2025) reports a Luxembourg EUR IBAN, described as for non-personal use"},"local_accounts":{"v":["USD (ACH, Fedwire)","EUR (SEPA)","GBP (Faster Payments)","BRL (PIX)","MXN (SPEI)"],"src":["s5"],"note":"Issuer's channel also announced GBP accounts in Feb-2026"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"None advertised"},"crypto_loans":{"v":false,"src":["s5"],"note":"Paymentscan lists borrow-to-spend as not supported"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":true,"src":["s1"],"note":"One balance for crypto and fiat"},"other":{"v":"Bank account costs $5 a month per Paymentscan","src":["s5"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"A trust centre exists at trust.bfinance.app; its contents were not readable"}},"app":{"ios_url":{"v":null,"note":"No App Store app; the service runs inside Telegram"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"No Google Play app; the service runs inside Telegram"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":"Telegram mini app (t.me/bfinancebot/app); a business dashboard exists separately","src":["s1"]},"support_channels":{"v":["Telegram support bot","support@bfinance.app"],"src":["s3","s1"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":3.7,"src":["s7"],"note":"Only 11 reviews in total, 3 in the last 12 months"},"trustpilot_reviews":{"v":11,"src":["s7"]},"common_complaints":{"v":["Withdrawals or transfers delayed or stuck under review","Slow or unresponsive support","Payments blocked until full KYC, not explained upfront","Telegram bot interface felt limiting","Card provider change reported in Jun-2026, with new cards not issued and a warning of blocks (user report)"],"src":["s7","s10"]},"common_praise":{"v":["Simple to top up and spend crypto","Card works with Apple Pay"],"src":["s7"]}},"adoption":{"users_claimed":{"v":null,"note":"Paymentscan shows 84,504 addresses, self-reported by BFinance; not a user count"},"onchain_spend_all_time_usd":{"v":49730000,"src":["s5"],"note":"Self-reported to Paymentscan; 1,905,264 transactions"},"onchain_spend_last_month_usd":{"v":1139000,"src":["s5"],"note":"Oct-2026; the peak month was Mar-2026 at $6.67M"}},"incidents":[{"date":"2026-06","type":"other","summary":"A user reported that support said the card provider was being changed, with payment problems possible and old cards to be blocked later (unverified user report).","src":["s10"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"casp_status","label":"EU crypto licence status","v":"Issuer says it is applying for CASP authorisation and does not yet do DAC8 reporting (post of Jan-20, 2026)","src":["s1"]},{"key":"business_split","label":"Personal and business products","v":"The website and fee schedule now cover business and platform clients; individuals use the Telegram mini app, and the website's Personal page says 'Coming soon'","src":["s11","s1"]},{"key":"account_fee","label":"Bank account fee","v":"$5 a month for a bank account, free to open","src":["s5"]},{"key":"partner_rewards","label":"Partner rewards","v":"5% on eSIMs, up to 20% on airport lounge bookings, 5% on other airport services","src":["s5"]},{"key":"card_issuer_conflict","label":"Card issuer reports","v":"Third parties name different card providers (Sutton Bank, Wirex) and none is confirmed by the issuer","src":["s8","s6"]}],"tests":[{"metric":"fx_markup","value":2.97,"text":"About 2.97% on one PLN 1.70 purchase charged $0.46; a single tiny payment, so fixed fees weigh heavily","tester":"Paymentscan","date":null,"src":["s5"]},{"metric":"fx_markup","value":1,"text":"About 1% on non-USD purchases plus a fixed $0.11 per USD purchase, as stated by the channel author at launch","tester":"Finek channel author","date":"2025-12-29","src":["s8"]},{"metric":"other","value":1.5,"text":"Card top-up fee of 1.5% charged, a user said; they had expected about $0.10","tester":"Finek chat member","date":"2026-02-28","src":["s9"]}],"sources":[{"id":"s1","url":"https://t.me/s/bfinancepay","title":"BFinance official Telegram channel (posts Aug-2026 to Nov-2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://cdn.bfinance.app/products-availability.pdf","title":"BFinance Products availability (updated Jun-23, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://cdn.bfinance.app/terms-of-use.pdf","title":"BFinance Terms of Use (updated Oct-23, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://cdn.bfinance.app/privacy-policy.pdf","title":"BFinance Privacy Policy","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://paymentscan.xyz/cards/bfinance","title":"BFinance on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s6","url":"https://cardifycrypto.com/review/Bfinance-Crypto-Card-review","title":"Bfinance Card Review (Cardify, verified Oct-20, 2026)","publisher":"review","accessed":"2026-11-05"},{"id":"s7","url":"https://uk.trustpilot.com/review/bfinance.app","title":"BFinance reviews on Trustpilot","publisher":"trustpilot","accessed":"2026-11-05"},{"id":"s8","url":"https://t.me/bankandfintech/579","title":"Finek channel, BFinance overview, Dec-29, 2025","publisher":"community","accessed":"2026-11-05"},{"id":"s9","url":"https://t.me/c/1916527029/175161","title":"Finek chat, user report, Feb-28, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s10","url":"https://t.me/c/1916527029/210235","title":"Finek chat, user report, Jun-24, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s11","url":"https://cdn.bfinance.app/business/fees.pdf","title":"BFinance Business fee schedule (business plans, updated May-18, 2026)","publisher":"issuer","accessed":"2026-11-05"}],"trust":{"licence":{"points":5,"reason":"The operator is registered with FINTRAC in Canada, but the card issuer is not named and no EU authorisation exists yet; BFinance says its CASP application is still in progress.","src":["s3","s1"]},"custody":{"points":6,"reason":"Custodial balance with no published safeguarding or segregation terms for personal accounts.","src":["s6"]},"incidents":{"points":12,"reason":"No hack or closure found, but a user reported a card provider change with warnings of blocks in Jun-2026, and Trustpilot reviewers report stuck withdrawals.","src":["s10","s7"]},"track_record":{"points":9,"reason":"Live since Sep-2024 with about $49.7M all-time volume on Paymentscan, but monthly volume fell from $6.67M in Mar-2026 to about $1.1M in Oct-2026.","src":["s5"]},"transparency":{"points":3,"reason":"No personal fee schedule, card terms or named issuer; the published terms cover the website only and the fee schedule covers business plans.","src":["s3","s11"]},"support":{"points":3,"reason":"Support runs through a Telegram bot and email; Trustpilot shows complaints about slow replies and the company typically takes over a month to answer reviews.","src":["s7"]}},"trustPoints":38,"grade":"F","confidence":68,"best":{"tier":"Virtual card","net":-251.78,"pctOfSpend":-2.0981666666666667,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":-0.5},{"label":"FX fee on foreign spend","usd":-71.28},{"label":"Fees on every purchase","usd":-180},{"label":"Cost of locked money","usd":0}]},"score":11,"website":"https://bfinance.app","inactive":false},{"slug":"gnosis-pay","name":"Gnosis Pay Card","brand":"Gnosis Pay","checked":"2026-11-05","summary":"Gnosis Pay is a self-custody Visa debit card: you spend stablecoins (EURe, GBPe, USDC.e) from your own Safe wallet on Gnosis Chain, with no card or FX fee from the issuer. The consumer card and web app stop at 23:59 UTC on Dec-20, 2026; only withdrawals stay, and the GNO cashback programme already ended on Sep-30, 2026.","company":{"legal_entity":{"v":"Gnosis Pay Co Ltd (UK company no. 14919639)","src":["s1","s2"]},"hq_country":{"v":"United Kingdom","src":["s1"],"note":"Inferred from the UK company registration; no head-office address published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://gnosispay.com","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Monavate Limited","src":["s1","s2"],"note":"Named by the issuer's own site and press page. Gnosis Pay's terms also mention UAB Monavate (Lithuania); the BIN is Lithuanian per a review, so the exact EEA issuing entity was not confirmed"},"program_manager":{"v":"Gnosis Pay Co Ltd","src":["s1","s2"],"note":"Performs onboarding and card provision on behalf of Monavate"},"licences":{"v":["Electronic Money Institution, UK FCA (FRN 901097), Monavate Limited"],"src":["s2"]},"regulator":{"v":"UK Financial Conduct Authority (for Monavate Limited)","src":["s2"]},"card_network":{"v":"Visa","src":["s1","s2"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"closing","src":["s3","s4"],"note":"The card and web app stop at 23:59 UTC on Dec-20, 2026. Only the withdrawal page stays open."},"launched":{"v":"2024-01","src":["s5"],"note":"Per Paymentscan; the issuer pages reviewed do not state a launch date"},"card_kind":{"v":"debit","src":["s1"]},"forms":{"v":["virtual","physical"],"src":["s6","s5"],"note":"Paymentscan lists a free virtual card and a physical card"},"custody":{"v":"self-custody","src":["s7","s3"]},"custody_detail":{"v":"Funds sit in the user's own Safe smart-contract wallet on Gnosis Chain; the Safe is authorised to spend the configured token. After closure the Safe stays yours and can be used with any Safe-compatible interface","src":["s7","s3"]},"kyc_level":{"v":"full","src":["s1","s7"],"note":"KYC is required before an account is created; Sumsub is the shared-KYC vendor named"},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s3"],"note":"This file covers personal accounts only"},"settlement_currency":{"v":"EUR","src":["s6","s8"],"note":"Spends the token configured on the account: EURe, GBPe or USDC.e; account currency decides what counts as an FX purchase"},"card_currencies":{"v":["EURe","GBPe","USDC.e"],"src":["s6"]}},"tiers":[{"name":"Standard","currency":"EUR","is_default":true,"price_monthly":{"v":0,"src":["s6"],"note":"No monthly fee is listed on the fee page"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":0,"src":["s6","s5"],"note":"Issuer fee page says card order is free; Paymentscan lists the virtual card as free"},"issuance_physical":{"v":0,"src":["s6"],"note":"Issuer fee page: card order is free including shipping. Paymentscan and a review state EUR 30; the issuer page is marked legacy"},"shipping":{"v":0,"src":["s6"],"note":"Included in the free card order"},"replacement_fee":{"v":4.99,"src":["s6"],"note":"Lost or stolen card, includes shipping; currency not stated on the page"},"staking_required":{"v":0,"src":["s6"]},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":0,"src":["s4"],"note":"The GNO cashback programme ended Sep-30, 2026 (final payout Oct-07, 2026); no cashback is offered now. Before that it ran 1% to 5% by GNO held"},"cashback_asset":{"v":"GNO (programme ended)","src":["s4","s5"]},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":null,"note":"None found"},"fx_fee":{"v":0,"src":["s6"],"note":"Issuer: no currency conversion fee, Visa rate applies. Measured: about 0.47% worse than market in one EURe to PLN payment (see tests)"},"crypto_conversion_fee":{"v":0,"src":["s6","s7"],"note":"Spending is 1:1 from the stablecoin balance; swapping other assets into EURe is done outside the card"},"topup_fee":{"v":null,"note":"Not published; the fee page covers spending only"},"atm_free_monthly":{"v":200,"src":["s6"],"note":"5 free withdrawals or 200 in total per month, whichever comes first"},"atm_fee_pct":{"v":2,"src":["s6"],"note":"Per withdrawal after the free allowance"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":500,"src":["s6"]},"atm_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_per_tx":{"v":5000,"src":["s6"]},"spend_limit_daily":{"v":8000,"src":["s6"],"note":"Rolling 24 hours"},"spend_limit_monthly":{"v":null,"note":"Not published"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":null,"note":"None found"}}],"funding":{"crypto_assets":{"v":["EURe","GBPe","USDC.e","USDC","USDT"],"src":["s7"],"note":"EURe, GBPe and USDC.e on Gnosis Chain; USDC and USDT on Celo (partner-API docs)"},"chains":{"v":["Gnosis Chain","Celo"],"src":["s7"]},"fiat_topup":{"v":["SEPA"],"src":["s3","s5"],"note":"Via a personal EUR IBAN linked to the wallet, provided by Monerium; availability by eligibility"},"deposit_fees":{"v":null,"note":"Not published"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Stablecoin balance in the user's own Safe, 1:1","src":["s6","s7"]}},"payments":{"apple_pay":{"v":true,"src":["s1"],"note":"Issuer says cards are Apple/Google Pay ready; Finek reported Apple Pay live from Apr-2025"},"google_pay":{"v":true,"src":["s1"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":true,"src":["s6"],"note":"Limit varies by country, physical card only"},"online_subscriptions":{"v":"Recurring payments work until Dec-20, 2026 and then fail; they cannot be moved to another card","src":["s3"]},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["EEA","UK","Switzerland"],"src":["s5"],"note":"Third-party list; the issuer pages reviewed do not list countries"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":false,"src":["s5"],"note":"Third-party only"},"uk_available":{"v":true,"src":["s5"],"note":"Third-party only"},"eea_available":{"v":true,"src":["s5"],"note":"Third-party only"}},"account_features":{"iban":{"v":"Personal EUR IBAN via Monerium, linked to the wallet; keeps working after the card closes","src":["s4"]},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"No issuer-published yield"},"crypto_loans":{"v":false,"src":["s5"]},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":"EURe, GBPe, USDC.e","src":["s6"]},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":true,"src":["s4"],"note":"Freeze/unfreeze in the web app, which closes Dec-20, 2026"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":"Not applicable: funds stay in the user's own Safe","src":["s7"]},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":"app.gnosispay.com (closes Dec-20, 2026; the withdrawal page stays open)","src":["s3","s4"]},"support_channels":{"v":"Help centre; general cardholder support ends Jun-18, 2027, disputes and chargebacks support ends Jun-12, 2028","src":["s3"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Cashback needed a GNO balance"],"src":["s5"]},"common_praise":{"v":["Self-custody with a personal IBAN","Near-zero FX on EUR and GBP"],"src":["s9","s5"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":215900000,"src":["s5"],"note":"Third-party figure, about 4.04 million transactions"},"onchain_spend_last_month_usd":{"v":null,"note":"Not published"}},"tests":[{"metric":"fx_markup","value":0.47,"text":"About 0.47% worse than market, paying in PLN from EURe (in-app 4.27 vs market 4.29 PLN per EURe)","tester":"Paymentscan","date":null,"src":["s5"]}],"incidents":[{"date":"2025-12","type":"regulatory","summary":"Bank of Lithuania ordered issuer UAB Monavate to stop working with several programme partners and fined it EUR 270,000; Gnosis Pay was not among the partners named in the channel post.","src":["s11"]},{"date":"2026-06","type":"hack","summary":"A flaw in the Safe delay module let an attacker start withdrawals from user wallets; cards were later restored, Safe addresses changed, and Gnosis Pay said affected users would be reimbursed.","src":["s12","s13"]},{"date":"2026-09","type":"shutdown","summary":"Gnosis Pay announced the consumer card and web app stop at 23:59 UTC on Dec-20, 2026; only withdrawals remain, and GNO cashback ended Sep-30, 2026.","src":["s3","s4","s9"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"closure_dates","label":"Closure timeline","v":"GNO cashback ends Sep-30, 2026 (final payout Oct-07, 2026); card and web app stop 23:59 UTC Dec-20, 2026; general support ends Jun-18, 2027; refund, dispute and chargeback support ends Jun-12, 2028","src":["s3","s4"]},{"key":"partner_cards","label":"Partner cards","v":"Users can optionally move to partner cards (Rebind, Picnic, MiniPay); this is a new programme with new terms and a new Safe","src":["s3"]},{"key":"gno_cashback_tiers","label":"Former GNO cashback tiers","v":"1% at 0.1 GNO, 2% at 1, 3% at 10, 4% at 100, plus 1% with the OG NFT; programme ended","src":["s5"]},{"key":"legacy_limits_note","label":"Fee page status","v":"The issuer fee page is marked legacy","src":["s6"]}],"sources":[{"id":"s1","url":"https://gnosispay.com/","title":"Gnosis Pay home","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://gnosispay.com/press","title":"Gnosis Pay brand and press (issuer statement)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://help.gnosispay.com/articles/1452055581-formal-notice-closure-of-the-gnosis-pay-web-app-and-card-21-september-2026","title":"Formal notice: closure of the web app and card","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://help.gnosispay.com/articles/3101071374-what-stops-and-what-continues","title":"What stops and what continues","publisher":"issuer","accessed":"2026-11-05"},{"id":"s5","url":"https://paymentscan.xyz/cards/gnosis-pay","title":"Gnosis Pay on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s6","url":"https://help.gnosispay.com/articles/6104401027","title":"Understanding Your Card's Fees and Limits","publisher":"issuer","accessed":"2026-11-05"},{"id":"s7","url":"https://docs.gnosispay.com/concepts/safe/tokens-and-chains-supported.md","title":"Tokens and Chains Supported","publisher":"issuer","accessed":"2026-11-05"},{"id":"s8","url":"https://docs.gnosispay.com/concepts/accounts/account.md","title":"Account Overview","publisher":"issuer","accessed":"2026-11-05"},{"id":"s9","url":"https://t.me/bankandfintech/932","title":"Finek channel post, Sep-22, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s11","url":"https://t.me/bankandfintech/811","title":"Finek channel post, Jul-04, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s12","url":"https://t.me/bankandfintech/775","title":"Finek channel post, Jun-02, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s13","url":"https://t.me/bankandfintech/780","title":"Finek channel post, Jun-07, 2026","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":15,"reason":"Issuer Monavate is a UK FCA electronic money institution. Lithuania fined its sister company in Dec 2025; Gnosis Pay was not among the partners named.","src":["s2","s11"]},"custody":{"points":14,"reason":"Funds stay in your own Safe wallet, but a Jun 2026 flaw let an attacker start withdrawals.","src":["s7","s12"]},"incidents":{"points":3,"reason":"Wallet flaw in Jun 2026, and the consumer card closes on Dec-20, 2026.","src":["s12","s3"]},"track_record":{"points":9,"reason":"$216M spend tracked by Paymentscan since 2024, now ending.","src":["s5"]},"transparency":{"points":7,"reason":"Closure dates and fees are published, though the fee page is marked legacy.","src":["s3","s1"]},"support":{"points":3,"reason":"Help centre. General cardholder support ends Jun-18, 2027.","src":["s3"]}},"trustPoints":51,"grade":"D","confidence":89,"best":{"tier":"Standard","net":-11.279999999999998,"pctOfSpend":-0.09399999999999997,"lines":[{"label":"Rewards you can spend","usd":0,"note":"$0 paid in a volatile token, counted at 50%"},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-11.279999999999998},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":15,"website":"https://gnosispay.com","inactive":true},{"slug":"solflare","name":"Solflare Card","brand":"Solflare","checked":"2026-11-05","summary":"Solflare Card was a self-custody Mastercard that spent USDC on Solana straight from the Solflare wallet. It is paused: the card partner Kulipa wound down in Jul-2026 and Solflare has not relaunched with a new issuer.","company":{"legal_entity":{"v":"Solrise Research LTD (app publisher)","src":["s8"],"note":"Card programme operator not stated by Solflare"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://solflare.com","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Monavate (BIN sponsor, community report); programme run by Kulipa, now wound down","src":["s11","s3"],"note":"Solflare does not name its issuer; not confirmed by the issuer or Paymentscan. New issuer not announced"},"program_manager":{"v":"Kulipa (wound down Jul-2026)","src":["s3","s7"]},"licences":{"v":null,"note":"Not published"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Mastercard","src":["s1"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"paused","src":["s1","s3"],"note":"Solflare's card page says cards are paused while it moves to a new issuing partner; paused Jul-28, 2026 after Kulipa wound down, and no relaunch is confirmed."},"launched":{"v":"2025-09","src":["s6"],"note":"Per Paymentscan; not stated by Solflare"},"card_kind":{"v":"debit","src":["s1"]},"forms":{"v":["virtual","physical"],"src":["s2"],"note":"One virtual and one physical card per user"},"custody":{"v":"self-custody","src":["s1","s7"]},"custody_detail":{"v":"USDC stays in the user's own Solflare wallet and is charged at purchase; Kulipa held no customer balances","src":["s1","s7"]},"kyc_level":{"v":"full","src":["s2"]},"kyc_documents":{"v":"Name, address, government ID, driving licence or passport","src":["s2"]},"kyc_time":{"v":"1 to 2 minutes typically","src":["s2"]},"min_age":{"v":18,"src":["s2"]},"business_cards":{"v":false,"src":["s2"]},"settlement_currency":{"v":"USDC","src":["s2"]},"card_currencies":{"v":null,"note":"Not published"}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s4"],"note":"No subscription published for the Kulipa-issued programme; not confirmed by the issuer"},"price_annual":{"v":0,"src":["s4"],"note":"No annual fee published; not confirmed by the issuer"},"issuance_virtual":{"v":0,"src":["s4"],"note":"Virtual card generated in the app after approval; fee not stated by the issuer"},"issuance_physical":{"v":null,"note":"Not published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s1"],"note":"Spends USDC straight from the wallet; no lock-up"},"other_requirements":{"v":"KYC in the Solflare app (name, address, government ID); resident of a supported country, approved case by case","src":["s2"]},"cashback_rate":{"v":0,"src":["s3"],"note":"No cashback on the old card; cashback is promised only for the future card (Solflare banner)"},"cashback_asset":{"v":null,"note":"No cashback"},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":null,"note":"Not published"},"cashback_exclusions":{"v":null,"note":"Not published"},"cashback_vesting":{"v":null,"note":"Not published"},"points_program":{"v":"Raffle-style rewards via 'The Benefits' platform","src":["s3"],"note":"Third-party report only"},"fx_fee":{"v":1,"src":["s3","s13"],"note":"Third parties conflict: SpendNode and the SolCard guide cite a 1% Solflare fee plus a 0.40-0.70% FX fee in UK/EEA; the Solflare FX help article could not be opened (search summary only). FAQ says the Mastercard interbank rate applies and Solflare may add an international fee"},"crypto_conversion_fee":{"v":null,"note":"Not published; the card spends USDC only"},"topup_fee":{"v":0,"src":["s1"],"note":"No top-up; the card spends from the wallet. Solana gas is reported to apply, not confirmed"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":0,"src":["s2"],"note":"Solflare charges no ATM fee; ATM operators may"},"atm_fee_fixed":{"v":null,"note":"Not published"},"atm_limit_daily":{"v":500,"src":["s12"],"note":"USDC; search summary of help centre only"},"atm_limit_monthly":{"v":2500,"src":["s12"],"note":"USDC; search summary of help centre only"},"spend_limit_per_tx":{"v":5000,"src":["s12"],"note":"USDC; search summary of help centre only"},"spend_limit_daily":{"v":10000,"src":["s12"],"note":"USDC; search summary of help centre only"},"spend_limit_monthly":{"v":30000,"src":["s12"],"note":"USDC; search summary of help centre only"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":null,"note":"Not published"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":null,"note":"Not published"}}],"funding":{"crypto_assets":{"v":["USDC"],"src":["s2"],"note":"All cards are natively USDC cards"},"chains":{"v":["Solana"],"src":["s6"]},"fiat_topup":{"v":null,"note":"None; spends from the wallet"},"deposit_fees":{"v":null,"note":"Not published"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"Directly from the self-custodial Solflare wallet, USDC on Solana","src":["s1"]}},"payments":{"apple_pay":{"v":false,"src":["s1"],"note":"Listed as coming soon on the new card"},"google_pay":{"v":true,"src":["s1"],"note":"Worked on the old card; current card is paused"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":true,"src":["s1"]},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["EEA","UK"],"src":["s2"],"note":"Other countries case by case"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":null,"note":"Community reports say the Kulipa programme dropped several Asian countries in 2026; no list published"},"us_available":{"v":null,"note":"Not published"},"uk_available":{"v":true,"src":["s2"]},"eea_available":{"v":true,"src":["s2"]}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":true,"src":["s3"],"note":"Borrow positions remain accessible in the Cards tab"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":true,"src":["s2"],"note":"Freeze and unfreeze in the app"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":true,"src":["s1"]},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/solflare-solana-wallet/id1580902717","src":["s8"],"note":"Wallet app, not card-specific"},"ios_rating":{"v":4.8,"src":["s8"]},"ios_rating_count":{"v":10000,"src":["s8"],"note":"About 10K ratings"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","French","German","Polish"],"src":["s8"]},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["support@solflare.com"],"src":["s2"]},"support_hours":{"v":"24/7","src":["s1"]}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Card-to-card top-ups worked for some users, then stopped on Monavate cards in Mar-2026","Kulipa programme dropped several countries in 2026","Cards stopped working without notice when the partner failed on Jul-28, 2026"],"src":["s10","s11","s7"]},"common_praise":{"v":["Self-custody: no top-up step and funds stay in the wallet","Card-to-card transfers from some banks worked in late 2025"],"src":["s1","s11"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":6698000,"src":["s6"],"note":"Clearing data only, one transaction per user per day; $0 from Aug to Nov 2026"},"onchain_spend_last_month_usd":{"v":0,"src":["s6"],"note":"Paymentscan shows $0 for Oct-2026"}},"incidents":[{"date":"2026-07","type":"shutdown","summary":"Issuing partner Kulipa wound down and Solflare paused its virtual and physical cards on Jul-28, 2026; existing cards do not carry over and funds stayed in users' wallets.","src":["s1","s3","s7"]},{"date":"2026-03","type":"fee change","summary":"Card-to-card transfers were reported disabled on Monavate-issued cards including Solflare.","src":["s10"]},{"date":"2026-08","type":"hack","summary":"A Solana-network card top-up exploit hit other fintechs; Finek reported Solflare was not affected because it uses a different issuer.","src":["s9"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"UK and EEA","field":"tiers[0].fx_fee","v":"0.40-0.70% FX fee on top of a 1% Solflare fee","src":["s5"]}],"extra":[{"key":"replacement_plan","label":"Replacement card","v":"Solflare says a new issuer is coming with Apple Pay, higher limits and cashback; no name, date or terms published as of Nov-05, 2026","src":["s1","s3"]},{"key":"old_card_limit_note","label":"Limits source","v":"Spend and ATM limits come from a search summary of the help centre; the help pages returned 404 when opened","src":["s12"]}],"tests":[],"sources":[{"id":"s1","url":"https://solflare.com/crypto-card/","title":"Solflare Card page with pause banner","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://solflare.com/crypto-card/faq/","title":"Solflare Card FAQ","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://www.spendnode.io/blog/solflare-card-paused-issuer-kulipa-wind-down-july-2026/","title":"Solflare Card paused: Kulipa wind-down (SpendNode, Jul-2026)","publisher":"other","accessed":"2026-11-05"},{"id":"s4","url":"https://www.spendnode.io/crypto-cards/solflare-card/","title":"Solflare Card Review 2026 (SpendNode)","publisher":"other","accessed":"2026-11-05"},{"id":"s5","url":"https://www.solcard.cc/blog/solflare-card","title":"Solflare Card guide (SolCard, as of Nov-01, 2026)","publisher":"other","accessed":"2026-11-05"},{"id":"s6","url":"https://paymentscan.xyz/cards/solflare","title":"Solflare Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s7","url":"https://www.kucoin.com/news/flash/kulipa-collapse-halts-ready-and-solflare-crypto-credit-card-services","title":"Kulipa collapse halts Ready and Solflare card services (KuCoin News, Jul-31, 2026)","publisher":"press","accessed":"2026-11-05"},{"id":"s8","url":"https://apps.apple.com/us/app/solflare-solana-wallet/id1580902717","title":"Solflare Solana Wallet on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s9","url":"https://t.me/bankandfintech/889","title":"Finek channel post, Aug-28, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s10","url":"https://t.me/bankandfintech/669","title":"Finek channel post, Mar-06, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s11","url":"https://t.me/bankandfintech/310","title":"Finek chat, user report, Oct-12, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s12","url":"https://help.solflare.com/en/articles/12891104-solflare-card-spending-and-atm-limits","title":"Solflare help: Solflare Card spending and ATM limits (search summary only, page 404 on direct fetch)","publisher":"other","accessed":"2026-11-05"},{"id":"s13","url":"https://help.solflare.com/en/articles/12890985-understanding-solflare-card-foreign-exchange-fx-fees","title":"Solflare help: Understanding Solflare Card FX fees (search summary only, page 404 on direct fetch)","publisher":"other","accessed":"2026-11-05"}],"trust":{"licence":{"points":6,"reason":"Solflare names no issuer or licence; the issuer is only reported by community sources as Monavate via Kulipa, and the new issuer is unannounced.","src":["s1","s11"]},"custody":{"points":16,"reason":"Self-custody: USDC stays in the user's own wallet and is charged at purchase; Kulipa held no customer balances when it failed.","src":["s1","s7"]},"incidents":{"points":4,"reason":"The card stopped working on Jul-28, 2026 when Kulipa wound down, with no prior notice, and has been paused since.","src":["s1","s3","s7"]},"track_record":{"points":5,"reason":"Launched about Sep-2025 with $6.7M tracked volume per Paymentscan, which shows $0 since Aug-2026.","src":["s6"]},"transparency":{"points":4,"reason":"Solflare says little about fees, limits or the issuer, and its help pages did not open; the pause is stated openly on its card page.","src":["s1","s12"]},"support":{"points":4,"reason":"Solflare claims 24/7 support and an email address; no support quality data found.","src":["s1","s2"]}},"trustPoints":39,"grade":"F","confidence":84,"best":{"tier":"Standard","net":-144,"pctOfSpend":-1.2,"lines":[{"label":"Rewards you can spend","usd":0},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":-24},{"label":"Fees on every purchase","usd":-120},{"label":"Cost of locked money","usd":0}]},"score":12,"website":"https://solflare.com","inactive":true},{"slug":"cypher","name":"Cypher Card","brand":"Cypher","checked":"2026-11-05","summary":"Cypher was a non-custodial crypto wallet with a Visa card. It was acquired by Nium and shut down in 2026: card loading stopped Jul-08, cards were cancelled Aug-08 and the app went offline Sep-06.","company":{"legal_entity":{"v":null,"note":"Not published"},"hq_country":{"v":null,"note":"Not published"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://cypherhq.io","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Reap (Hong Kong)","src":["s4"],"note":"From a Finek public post and Cryptonoshi (not the issuer's terms); a Finek chat user report mentions a different BIN, so not confirmed"},"program_manager":{"v":null,"note":"Not published"},"licences":{"v":null,"note":"Not published"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s2"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"closed","src":["s1"],"note":"Cypher stopped card loading on Jul-08, 2026, cancelled all cards on Aug-08, 2026 and shut its app on Sep-06, 2026 after Nium bought it."},"launched":{"v":"2023-11","src":["s2"],"note":"Paymentscan; Cryptonoshi gives Mar-2022 for the company"},"card_kind":{"v":null,"note":"Not published"},"forms":{"v":["virtual","physical"],"src":["s5"],"note":"Review source only"},"custody":{"v":"self-custody","src":["s5"],"note":"Described as non-custodial by a review; Cypher's own pages do not detail custody"},"custody_detail":{"v":null,"note":"Not published"},"kyc_level":{"v":"full","src":["s4"],"note":"Persona ID check per a Finek public post"},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":null,"note":"Not published"},"settlement_currency":{"v":"USD","src":["s5"]},"card_currencies":{"v":null,"note":"Not published"}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"atm_free_monthly":{"v":null,"note":"Not published by the issuer; card closed"},"atm_fee_pct":{"v":null,"note":"Not published by the issuer; card closed"},"atm_fee_fixed":{"v":null,"note":"Not published by the issuer; card closed"},"atm_limit_daily":{"v":null,"note":"Not published by the issuer; card closed"},"atm_limit_monthly":{"v":null,"note":"Not published by the issuer; card closed"},"spend_limit_per_tx":{"v":null,"note":"Not published by the issuer; card closed"},"spend_limit_daily":{"v":null,"note":"Not published by the issuer; card closed"},"spend_limit_monthly":{"v":null,"note":"Not published by the issuer; card closed"},"spend_limit_annual":{"v":null,"note":"Not published by the issuer; card closed"},"replacement_fee":{"v":null,"note":"Not published by the issuer; card closed"},"shipping":{"v":null,"note":"Not published by the issuer; card closed"},"staking_required":{"v":null,"note":"Not published by the issuer; card closed"},"other_requirements":{"v":null,"note":"Not published by the issuer; card closed"},"cashback_rate":{"v":null,"note":"Not published by the issuer; card closed"},"cashback_asset":{"v":null,"note":"Not published by the issuer; card closed"},"cashback_cap_monthly":{"v":null,"note":"Not published by the issuer; card closed"},"cashback_eligible_spend":{"v":null,"note":"Not published by the issuer; card closed"},"cashback_exclusions":{"v":null,"note":"Not published by the issuer; card closed"},"cashback_vesting":{"v":null,"note":"Not published by the issuer; card closed"},"points_program":{"v":null,"note":"Not published by the issuer; card closed"},"fx_fee":{"v":null,"note":"Not published by the issuer; card closed"},"crypto_conversion_fee":{"v":null,"note":"Not published by the issuer; card closed"},"topup_fee":{"v":null,"note":"Not published by the issuer; card closed"},"inactivity_fee":{"v":null,"note":"Not published by the issuer; card closed"},"decline_fee":{"v":null,"note":"Not published by the issuer; card closed"},"perks":{"v":null,"note":"Not published by the issuer; card closed"},"issuance_virtual":{"v":null,"note":"Not published by the issuer; card closed"},"issuance_physical":{"v":null,"note":"Not published by the issuer; card closed"},"price_monthly":{"v":null,"note":"Not published by the issuer; card closed"},"price_annual":{"v":null,"note":"Not published by the issuer; card closed"}}],"funding":{"crypto_assets":{"v":null,"note":"Not published"},"chains":{"v":["Ethereum","Solana","Noble","Base","Polygon","Optimism","Arbitrum","Avalanche"],"src":["s4"],"note":"Public Finek post lists wallet networks; historical"},"fiat_topup":{"v":null,"note":"Not published"},"deposit_fees":{"v":null,"note":"Not published"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":null,"note":"Not published"}},"payments":{"apple_pay":{"v":null,"note":"Not published"},"google_pay":{"v":null,"note":"Not published"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":null,"note":"Not published"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":null,"note":"Not published"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":null,"note":"Not published"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":null,"note":"Not published"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":null,"note":"Not published"},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Physical card purchase price was not refunded at shutdown"],"src":["s3"],"note":"Finek public post, Jul-19, 2026"},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":null,"note":"Not published"},"onchain_spend_last_month_usd":{"v":25200,"src":["s6"],"note":"Cryptonoshi citing Paymentscan, Oct-2026 figure shown on her page dated Jul-09, 2026; unverified"}},"incidents":[{"date":"2026-07","type":"shutdown","summary":"After the Nium acquisition Cypher stopped card loading on Jul-08, 2026, paid final rewards Jul-16, cancelled all cards Aug-08 and closed the app and withdrawal window Sep-06.","src":["s1"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"acquirer","label":"Acquired by","v":"Nium; the issuer says the next version of Cypher will be built on Nium's infrastructure","src":["s1"]},{"key":"withdrawal_deadline","label":"Withdrawal deadline","v":"Sep-06, 2026, no withdrawal fees","src":["s1"]}],"tests":[{"metric":"other","value":null,"text":"Reported 3% fee and 3-5 days for card-to-card transfers received on the card","tester":"Finek chat, user report","date":"2026-04-12","src":["s7"]}],"sources":[{"id":"s1","url":"https://cypherhq.io/wind-down-support/what-is-happening-to-cypher","title":"What is happening to Cypher?","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://paymentscan.xyz/cards/cypher","title":"Cypher on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s3","url":"https://t.me/bankandfintech/831","title":"Finek channel, Cypher closing, Jul-19, 2026","publisher":"community","accessed":"2026-11-05"},{"id":"s4","url":"https://t.me/bankandfintech/308","title":"Finek channel, Cypher Wallet review, May-18, 2025","publisher":"community","accessed":"2026-11-05"},{"id":"s5","url":"https://cryptonoshi.com/product/cypher-card/","title":"Cypher Card review, Last Updated Jul-09, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s6","url":"https://cryptonoshi.com/product/cypher-card/","title":"Cypher Card review (volume figure), Last Updated Jul-09, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s7","url":"https://t.me/c/1916527029/189640","title":"Finek chat, user report, Apr-12, 2026","publisher":"community","accessed":"2026-11-05"}],"trust":{"licence":{"points":5,"reason":"No licence of its own is published; the issuer is reported as Reap (Hong Kong) by community and review sources only.","src":["s4"]},"custody":{"points":14,"reason":"Described as a non-custodial wallet, but Cypher's own pages do not detail custody and the product is closed.","src":["s5"]},"incidents":{"points":4,"reason":"Cypher was shut down after the Nium acquisition; cards were cancelled Aug-08, 2026 and the physical card price was reportedly not refunded.","src":["s1","s3"]},"track_record":{"points":5,"reason":"Launched 2023 per Paymentscan but processed only about 25,200 USD a month at the end, and the product is gone.","src":["s2","s6"]},"transparency":{"points":5,"reason":"Gave a dated wind-down timeline and free withdrawals, but never published issuer or licence details.","src":["s1"]},"support":{"points":5,"reason":"A review rated support 8.8 of 10 in tests, but support ends with the shutdown.","src":["s5"]}},"trustPoints":38,"grade":"F","confidence":32,"best":null,"score":11,"website":"https://cypherhq.io","inactive":true},{"slug":"ready","name":"Ready Card","brand":"Ready","checked":"2026-11-05","summary":"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.","company":{"legal_entity":{"v":"Argent Labs Limited","src":["s4"],"note":"Seller named on the App Store page"},"hq_country":{"v":"United Kingdom","src":["s3"],"note":"Footer says HQ London"},"founded":{"v":"2017","src":["s10"],"note":"Per Spendnode, as Argent; rebranded to Ready in late 2025"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://www.ready.co","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Kulipa","src":["s10","s13","s7"],"note":"Named 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_manager":{"v":"Ready","src":["s4"],"note":"Wallet and card brand operated by Argent Labs Limited"},"licences":{"v":["Kulipa described as a regulated e-money institution (one report) or as an agent of an EMI (another report)"],"src":["s7","s17"],"note":"Sources disagree; the second is a search summary only. No licence number found"},"regulator":{"v":null,"note":"Reports link Kulipa to a Bank of Lithuania order against its partner Monavate; search summary only"},"card_network":{"v":"Mastercard","src":["s11","s5"]},"card_product_level":{"v":"Mastercard Debit Standard","src":["s16"]}},"product":{"status":{"v":"closed","src":["s9","s13","s14"],"note":"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."},"launched":{"v":"2024-11","src":["s5"],"note":"Per Paymentscan; a review says Mar-2025"},"card_kind":{"v":"debit","src":["s11","s16"]},"forms":{"v":["virtual","physical","metal"],"src":["s11","s12"],"note":"Virtual and orange plastic on Lite, metal on Metal"},"custody":{"v":"self-custody","src":["s6","s10"]},"custody_detail":{"v":"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","src":["s6","s10","s11"]},"kyc_level":{"v":"full","src":["s11","s16"]},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s16"],"note":"Personal cards only reviewed"},"settlement_currency":{"v":"USD","src":["s16"]},"card_currencies":{"v":["USD"],"src":["s16"],"note":"Card denominated in USD"}},"tiers":[{"name":"Lite","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s11","s13"]},"price_annual":{"v":0,"src":["s11","s13"]},"issuance_virtual":{"v":0,"src":["s11","s13"],"note":"Instant after KYC"},"issuance_physical":{"v":6.99,"src":["s11","s13"],"note":"One-time shipping for the orange plastic card; a review rounds it to $7"},"shipping":{"v":6.99,"src":["s11","s13"]},"cashback_rate":{"v":0,"src":["s13","s16"],"note":"Ready Rewards points paid nothing on Lite card spend from May-01, 2026; before that 0.5% in STRK per Spendnode"},"cashback_asset":{"v":"Ready Rewards points (STRK before May-01, 2026)","src":["s13","s16","s11"]},"cashback_cap_monthly":{"v":null,"note":"Sources conflict: $150 per month on STRK cashback per Spendnode, none per CryptoCardHub"},"fx_fee":{"v":1,"src":["s11","s13","s16"]},"atm_free_monthly":{"v":200,"src":["s11"],"note":"Spendnode only; a review says no free ATM withdrawals"},"atm_fee_pct":{"v":2,"src":["s11","s13","s16"],"note":"Minimum $1"},"cashback_vesting":{"v":"Paid by the 15th of the following month","src":["s11"],"note":"For the STRK cashback before May-01, 2026"},"cashback_exclusions":{"v":["gambling","ATM withdrawals","money transfers","financial services"],"src":["s11"]},"perks":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s11","s16"],"note":"No stake needed"},"other_requirements":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"points_program":{"v":"Ready Rewards, from May-01, 2026; points refund card transactions","src":["s13","s16"]},"crypto_conversion_fee":{"v":0,"src":["s11","s13","s16"],"note":"Conversion spread 0%"},"topup_fee":{"v":0,"src":["s11","s13"],"note":"Network gas covered by Ready on Starknet per Spendnode"},"atm_fee_fixed":{"v":null,"note":"Minimum $1 per withdrawal"},"atm_limit_daily":{"v":500,"src":["s11","s13","s16"]},"atm_limit_monthly":{"v":2500,"src":["s11","s13"]},"spend_limit_per_tx":{"v":5000,"src":["s11","s13"]},"spend_limit_daily":{"v":10000,"src":["s11","s13","s16"]},"spend_limit_monthly":{"v":30000,"src":["s11","s13"],"note":"Rolling 30 days"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s16"]},"decline_fee":{"v":null,"note":"Not published"}},{"name":"Metal","currency":"USD","is_default":false,"price_monthly":{"v":null,"note":"Sold as 120 USDC for the first year paid upfront; one review quotes $10 a month"},"price_annual":{"v":120,"src":["s12","s13","s16"],"note":"Paid in USDC upfront for the first year; Spendnode and CryptoCardHub say no automatic renewal"},"issuance_virtual":{"v":0,"src":["s16"]},"issuance_physical":{"v":0,"src":["s16"],"note":"Metal card shipping is free per a review"},"shipping":{"v":0,"src":["s16"]},"cashback_rate":{"v":3,"src":["s13","s16"],"note":"3 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 STRK"},"cashback_asset":{"v":"Ready Rewards points (STRK before May-01, 2026)","src":["s13","s16","s12"]},"cashback_cap_monthly":{"v":null,"note":"Sources conflict: $150 per month per Spendnode, no cap per a review"},"fx_fee":{"v":0,"src":["s12","s13","s16"]},"atm_free_monthly":{"v":800,"src":["s12","s13"]},"atm_fee_pct":{"v":2,"src":["s12","s13","s16"],"note":"Minimum $1, above the free allowance"},"cashback_vesting":{"v":"Points redeemed to refund card purchases","src":["s16"]},"cashback_exclusions":{"v":null,"note":"Not published"},"perks":{"v":["16g metal Mastercard in gold or silver","Ready Travel hotel rates"],"src":["s12","s16"]},"staking_required":{"v":0,"src":["s11","s16"],"note":"No stake needed"},"other_requirements":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"points_program":{"v":"Ready Rewards, from May-01, 2026; points refund card transactions","src":["s13","s16"]},"crypto_conversion_fee":{"v":0,"src":["s11","s13","s16"],"note":"Conversion spread 0%"},"topup_fee":{"v":0,"src":["s11","s13"],"note":"Network gas covered by Ready on Starknet per Spendnode"},"atm_fee_fixed":{"v":null,"note":"Minimum $1 per withdrawal"},"atm_limit_daily":{"v":500,"src":["s11","s13","s16"]},"atm_limit_monthly":{"v":2500,"src":["s11","s13"]},"spend_limit_per_tx":{"v":5000,"src":["s11","s13"]},"spend_limit_daily":{"v":10000,"src":["s11","s13","s16"]},"spend_limit_monthly":{"v":30000,"src":["s11","s13"],"note":"Rolling 30 days"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s16"]},"decline_fee":{"v":null,"note":"Not published"}}],"funding":{"crypto_assets":{"v":["USDC"],"src":["s11","s12","s6"],"note":"Card spent USDC only; a review lists more assets for the wallet"},"chains":{"v":["Starknet"],"src":["s5","s11"]},"fiat_topup":{"v":["bank deposit (auto-converted)","Ramp","Banxa"],"src":["s11"]},"deposit_fees":{"v":"0%","src":["s11","s13"]},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"USDC balance in the user's own wallet, checked at purchase","src":["s6"]}},"payments":{"apple_pay":{"v":"Not supported; listed as coming soon","src":["s11","s16"]},"google_pay":{"v":"Supported","src":["s11"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":"Approved in the app","src":["s16"]},"contactless":{"v":true,"src":["s11"]},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["EEA","UK"],"src":["s9","s10","s13"],"note":"Plus Andorra, Monaco, San Marino, Gibraltar, Guernsey, Jersey, Isle of Man per CryptoCardHub. Non-EEA users lost the card Jun-16, 2026"},"countries_supported_count":{"v":null,"note":"Not published"},"countries_supported":{"v":null,"note":"Not published"},"countries_excluded":{"v":null,"note":"Not published"},"us_available":{"v":false,"src":["s16"]},"uk_available":{"v":false,"src":["s9","s13"],"note":"Was available until the Jul-29, 2026 shutdown"},"eea_available":{"v":false,"src":["s9","s13"],"note":"Was available until the Jul-29, 2026 shutdown"}},"account_features":{"iban":{"v":null,"note":"Not published"},"local_accounts":{"v":"USD account in the user's name","src":["s16"],"note":"Review says third-party deposits are not accepted"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"Not published"},"crypto_loans":{"v":false,"src":["s5"]},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":null,"note":"Not published"}},"security":{"card_freeze":{"v":"Instant in-app freeze","src":["s11"]},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":"Face ID approval","src":["s11"]},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/ready-formerly-argent/id1358741926","src":["s4"]},"ios_rating":{"v":4.5,"src":["s4"]},"ios_rating_count":{"v":2300,"src":["s4"],"note":"About 2.3K ratings"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","Portuguese","Spanish"],"src":["s4"]},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["in-app chat","email"],"src":["s16"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":2.3,"src":["s15"]},"trustpilot_reviews":{"v":10,"src":["s15"]},"common_complaints":{"v":["Card 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 Pay"],"src":["s15"]},"common_praise":{"v":["Low conversion fees","Fast support replies in a test"],"src":["s15","s16"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":61680000,"src":["s5"],"note":"Spends only; 494,061 transactions and 13,562 addresses"},"onchain_spend_last_month_usd":{"v":0,"src":["s5"],"note":"Oct-2026; last active month was Jul-2026 at $988K"}},"incidents":[{"date":"2026-06","type":"regulatory","summary":"On Jun-16, 2026 Ready deactivated the card for users outside the EEA with about one hour's notice after its issuer arrangements changed.","src":["s6","s7","s8"]},{"date":"2026-07","type":"shutdown","summary":"The card stopped working on Jul-29, 2026 when issuer Kulipa wound down without notice; new orders closed and eligible subscriptions are being refunded.","src":["s9","s13","s14"]},{"date":"2026-05","type":"fee change","summary":"From May-01, 2026 direct STRK cashback was replaced by Ready Rewards points.","src":["s13","s16"]}],"tests":[],"referral":{"user_referral_program":{"v":"Referral bonus exists; boosts points on Metal for two referred friends","src":["s16"]},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[{"region":"outside EEA","field":"product.status","v":"closed","src":["s6","s7"]}],"extra":[{"key":"relaunch_plan","label":"Relaunch plan","v":"Ready says the new Ready runs on Base and Community Cards are launching soon; no issuer, fees or date published as of Nov-05, 2026","src":["s2","s3"]},{"key":"issuer_regulatory_link","label":"Issuer regulatory context","v":"Reports 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 Kulipa","src":["s17"]},{"key":"refunds","label":"Subscription refunds","v":"Metal subscribers get automatic refunds of unused fees, expected within 10 business days","src":["s7","s9"]},{"key":"rewards_funding","label":"Cashback funding (before May-01, 2026)","v":"STRK cashback was funded by the Starknet Foundation and reviewed quarterly, per Spendnode","src":["s11","s12"]}],"sources":[{"id":"s1","url":"https://www.ready.co/card","title":"Ready card page (no card details shown)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://www.ready.co/blog/community-finance","title":"Introducing Community Finance (Aug-06, 2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://www.ready.co/blog/card-faqs","title":"Ready blog index (Method community launch Nov-03, 2026; HQ London)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://apps.apple.com/us/app/ready-formerly-argent/id1358741926","title":"Ready: Community Finance on the App Store","publisher":"app store","accessed":"2026-11-05"},{"id":"s5","url":"https://paymentscan.xyz/cards/ready","title":"Ready Card on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s6","url":"https://cointelegraph.com/news/ready-usdc-card-service-halt-non-eea-report","title":"Ready USDC card halts non-EEA service after issuer change (Jun-17, 2026)","publisher":"press","accessed":"2026-11-05"},{"id":"s7","url":"https://cryptobriefing.com/ready-card-halts-service-outside-eea/","title":"Ready Card halts service outside EEA, one hour notice (Jun-16, 2026)","publisher":"press","accessed":"2026-11-05"},{"id":"s8","url":"https://financefeeds.com/non-eea-users-lose-access-to-ready-stablecoin-card-following-issuer-shift/","title":"Non-EEA users lose access to Ready stablecoin card (Jun-17, 2026)","publisher":"press","accessed":"2026-11-05"},{"id":"s9","url":"https://www.spendnode.io/blog/ready-card-stops-as-issuer-winds-down-july-2026/","title":"Ready Card stops as its issuer winds down (July 2026)","publisher":"other","accessed":"2026-11-05"},{"id":"s10","url":"https://www.spendnode.io/crypto-cards/ready/","title":"Spendnode Ready review (updated Jul-30, 2026)","publisher":"other","accessed":"2026-11-05"},{"id":"s11","url":"https://www.spendnode.io/crypto-cards/ready-lite-card/","title":"Spendnode Ready Lite card review","publisher":"other","accessed":"2026-11-05"},{"id":"s12","url":"https://www.spendnode.io/crypto-cards/ready-metal-card/","title":"Spendnode Ready Metal card review","publisher":"other","accessed":"2026-11-05"},{"id":"s13","url":"https://www.cryptocardhub.com/card/ready-card","title":"CryptoCardHub Ready Card (legacy terms, shutdown)","publisher":"other","accessed":"2026-11-05"},{"id":"s14","url":"https://sweepbase.net/research/shutdowns/kulipa-2026","title":"Sweepbase: what happened to the Solflare and Ready cards","publisher":"other","accessed":"2026-11-05"},{"id":"s15","url":"https://www.trustpilot.com/review/ready.co","title":"Ready reviews on Trustpilot","publisher":"trustpilot","accessed":"2026-11-05"},{"id":"s16","url":"https://cryptonoshi.com/product/ready-card/","title":"Ready Card review, Last Updated Jun-17, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s17","url":"https://www.kucoin.com/news/flash/european-crypto-card-issuers-face-regulatory-crackdown","title":"European crypto card issuers face regulatory crackdown (search summary only)","publisher":"other","accessed":"2026-11-05"}],"trust":{"licence":{"points":5,"reason":"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.","src":["s7","s17","s10"]},"custody":{"points":15,"reason":"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.","src":["s6","s10","s11"]},"incidents":{"points":2,"reason":"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.","src":["s6","s7","s9","s14"]},"track_record":{"points":5,"reason":"Live since Nov 2024 with $61.68M all-time spend per Paymentscan, but volume fell to $988K in Jul 2026 and $0 since August.","src":["s5"]},"transparency":{"points":4,"reason":"Ready's own pages show no card terms today and never named the issuer; fees and limits survive only in third-party reviews.","src":["s1","s2","s9"]},"support":{"points":5,"reason":"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.","src":["s15","s16"]}},"trustPoints":36,"grade":"F","confidence":100,"best":{"tier":"Metal","net":60,"pctOfSpend":0.5,"lines":[{"label":"Rewards you can spend","usd":180,"note":"$360 paid in points, counted at 50%"},{"label":"Subscription","usd":-120},{"label":"Card fee, spread over 2 years","usd":0},{"label":"FX fee on foreign spend","usd":0},{"label":"Fees on every purchase","usd":0},{"label":"Cost of locked money","usd":0}]},"score":11,"website":"https://www.ready.co","inactive":true},{"slug":"vaultleap","name":"VaultLeap Card","brand":"VaultLeap","checked":"2026-11-05","summary":"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.","company":{"legal_entity":{"v":"Klydo, Inc. (Delaware), doing business as VaultLeap; successor to Klydo LLC (California)","src":["s4"],"note":"PMB 1066, 447 Sutter St, Ste 405, San Francisco, CA 94108"},"hq_country":{"v":"United States","src":["s4"],"note":"Address in San Francisco, California"},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://vaultleap.com","src":["s1"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Lead Bank","src":["s5"],"note":"Named in the Cashback Program Terms; the Terms of Service name only unnamed regulated banking partners"},"program_manager":{"v":"Bridge Ventures LLC (a Stripe company)","src":["s5","s1"],"note":"VaultLeap is the platform provider"},"licences":{"v":null,"note":"VaultLeap states no licence of its own; Bridge is described on the homepage as a licensed money transmitter"},"regulator":{"v":null,"note":"Not published"},"card_network":{"v":"Visa","src":["s5","s11"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"closing","src":["s1","s3"],"note":"VaultLeap is closing: no new accounts since Nov-01, 2026, deposits stop Nov-30, 2026, and the card and app close Dec-01, 2026."},"launched":{"v":"2026-06","src":["s11"],"note":"Per Paymentscan, first on-chain card spend in Jun 2026"},"card_kind":{"v":"debit","src":["s5"],"note":"Called a Visa Debit Card; funded by moving USDC from the account balance to the card"},"forms":{"v":["virtual","physical"],"src":["s6"],"note":"Virtual card is instant; physical cards ship only where available"},"custody":{"v":"hybrid","src":["s1","s9"],"note":"Wallet 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"},"custody_detail":{"v":"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","src":["s1","s3","s9","s4"]},"kyc_level":{"v":"full","src":["s4"],"note":"Identity verification with government ID and selfie"},"kyc_documents":{"v":"Government ID and selfie","src":["s4"]},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":18,"src":["s4"]},"business_cards":{"v":null,"note":"Not covered; this entry is personal accounts only"},"settlement_currency":{"v":"USD","src":["s5","s7"],"note":"Balance and cashback are in USDC"},"card_currencies":{"v":["USD"],"src":["s5"],"note":"Purchases abroad show in local currency at the Visa network rate"}},"tiers":[{"name":"Standard","currency":"USD","is_default":true,"price_monthly":{"v":0,"src":["s10"]},"price_annual":{"v":0,"src":["s10"]},"issuance_virtual":{"v":0,"src":["s2"],"note":"Fees page lists no card issuance fee; card monthly, reload and per-purchase fees are $0"},"issuance_physical":{"v":null,"note":"Physical cards ship only 'where available'; no price or regions published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s10"],"note":"No staking or locked deposit"},"other_requirements":{"v":"None; default tier (0 to 9,999 points)","src":["s10","s4"]},"cashback_rate":{"v":1,"src":["s5"],"note":"1% 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"},"cashback_asset":{"v":"USDC","src":["s5"],"note":"Credited to the self-custodial VaultLeap wallet on the 1st of the following month"},"cashback_cap_monthly":{"v":50,"src":["s5"],"note":"$50 per user per calendar month for base cashback"},"cashback_eligible_spend":{"v":"Settled purchases made with the VaultLeap Visa Debit Card","src":["s5"]},"cashback_exclusions":{"v":["Refunds and reversals","Disputed or charged-back purchases","Declined or unsettled authorizations","ATM withdrawals and cash advances","Transfers between accounts, wallets or cards"],"src":["s5"],"note":"Pending cashback is forfeited if the account is closed, suspended or restricted before payout"},"cashback_vesting":{"v":"None stated; paid on the 1st of the month after the purchase","src":["s5"]},"points_program":{"v":"Tier 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 tier","src":["s2","s4","s10"]},"fx_fee":{"v":0.5,"src":["s2","s10"],"note":"About 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_fee":{"v":0,"src":["s2"],"note":"Card spends USDC from the balance; no conversion fee published, other than the ~0.5% FX pass-through"},"topup_fee":{"v":0,"src":["s2"],"note":"Card 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"},"atm_free_monthly":{"v":null,"note":"ATM withdrawals are not available"},"atm_fee_pct":{"v":null,"note":"ATM withdrawals are not available"},"atm_fee_fixed":{"v":null,"note":"ATM withdrawals are not available"},"atm_limit_daily":{"v":null,"note":"ATM withdrawals are not available"},"atm_limit_monthly":{"v":null,"note":"ATM withdrawals are not available"},"spend_limit_per_tx":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_daily":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_monthly":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s2"],"note":"Fees page lists a $0 monthly card fee; no inactivity fee mentioned"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Visa debit card","USD, EUR and MXN account details","Unlimited transfers","Email support"],"src":["s10"]}},{"name":"Pro","currency":"USD","is_default":false,"price_monthly":{"v":14.99,"src":["s2","s10"],"note":"Pro 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 spend"},"price_annual":{"v":144,"src":["s4"],"note":"$12 a month billed annually per the fees page; Terms say $144 a year"},"issuance_virtual":{"v":0,"src":["s2"],"note":"Fees page lists no card issuance fee; card monthly, reload and per-purchase fees are $0"},"issuance_physical":{"v":null,"note":"Physical cards ship only 'where available'; no price or regions published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s10"],"note":"No staking or locked deposit"},"other_requirements":{"v":"$14.99 a month subscription, or 10,000 to 39,999 points","src":["s10","s4"]},"cashback_rate":{"v":1,"src":["s5"],"note":"1% 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"},"cashback_asset":{"v":"USDC","src":["s5"],"note":"Credited to the self-custodial VaultLeap wallet on the 1st of the following month"},"cashback_cap_monthly":{"v":50,"src":["s5"],"note":"$50 per user per calendar month for base cashback"},"cashback_eligible_spend":{"v":"Settled purchases made with the VaultLeap Visa Debit Card","src":["s5"]},"cashback_exclusions":{"v":["Refunds and reversals","Disputed or charged-back purchases","Declined or unsettled authorizations","ATM withdrawals and cash advances","Transfers between accounts, wallets or cards"],"src":["s5"],"note":"Pending cashback is forfeited if the account is closed, suspended or restricted before payout"},"cashback_vesting":{"v":"None stated; paid on the 1st of the month after the purchase","src":["s5"]},"points_program":{"v":"Tier 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 tier","src":["s2","s4","s10"]},"fx_fee":{"v":0.5,"src":["s2","s10"],"note":"About 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_fee":{"v":0,"src":["s2"],"note":"Card spends USDC from the balance; no conversion fee published, other than the ~0.5% FX pass-through"},"topup_fee":{"v":0,"src":["s2"],"note":"Card 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"},"atm_free_monthly":{"v":null,"note":"ATM withdrawals are not available"},"atm_fee_pct":{"v":null,"note":"ATM withdrawals are not available"},"atm_fee_fixed":{"v":null,"note":"ATM withdrawals are not available"},"atm_limit_daily":{"v":null,"note":"ATM withdrawals are not available"},"atm_limit_monthly":{"v":null,"note":"ATM withdrawals are not available"},"spend_limit_per_tx":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_daily":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_monthly":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s2"],"note":"Fees page lists a $0 monthly card fee; no inactivity fee mentioned"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["Streak rewards (1.5x points after 2 months, 2x after 3)","Free shipping on Money Clock","Priority support"],"src":["s10"]}},{"name":"Zero","currency":"USD","is_default":false,"price_monthly":{"v":0,"src":["s10"]},"price_annual":{"v":0,"src":["s10"]},"issuance_virtual":{"v":0,"src":["s2"],"note":"Fees page lists no card issuance fee; card monthly, reload and per-purchase fees are $0"},"issuance_physical":{"v":null,"note":"Physical cards ship only 'where available'; no price or regions published"},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s10"],"note":"No staking or locked deposit"},"other_requirements":{"v":"40,000+ points, about $4,000 a month of card spend, card required","src":["s10","s4"]},"cashback_rate":{"v":1,"src":["s5"],"note":"1% 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"},"cashback_asset":{"v":"USDC","src":["s5"],"note":"Credited to the self-custodial VaultLeap wallet on the 1st of the following month"},"cashback_cap_monthly":{"v":50,"src":["s5"],"note":"$50 per user per calendar month for base cashback"},"cashback_eligible_spend":{"v":"Settled purchases made with the VaultLeap Visa Debit Card","src":["s5"]},"cashback_exclusions":{"v":["Refunds and reversals","Disputed or charged-back purchases","Declined or unsettled authorizations","ATM withdrawals and cash advances","Transfers between accounts, wallets or cards"],"src":["s5"],"note":"Pending cashback is forfeited if the account is closed, suspended or restricted before payout"},"cashback_vesting":{"v":"None stated; paid on the 1st of the month after the purchase","src":["s5"]},"points_program":{"v":"Tier 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 tier","src":["s2","s4","s10"]},"fx_fee":{"v":0.5,"src":["s2","s10"],"note":"About 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_fee":{"v":0,"src":["s2"],"note":"Card spends USDC from the balance; no conversion fee published, other than the ~0.5% FX pass-through"},"topup_fee":{"v":0,"src":["s2"],"note":"Card 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"},"atm_free_monthly":{"v":null,"note":"ATM withdrawals are not available"},"atm_fee_pct":{"v":null,"note":"ATM withdrawals are not available"},"atm_fee_fixed":{"v":null,"note":"ATM withdrawals are not available"},"atm_limit_daily":{"v":null,"note":"ATM withdrawals are not available"},"atm_limit_monthly":{"v":null,"note":"ATM withdrawals are not available"},"spend_limit_per_tx":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_daily":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_monthly":{"v":null,"note":"Limits vary by region and account type; amounts only shown in the app"},"spend_limit_annual":{"v":null,"note":"Not published"},"inactivity_fee":{"v":0,"src":["s2"],"note":"Fees page lists a $0 monthly card fee; no inactivity fee mentioned"},"decline_fee":{"v":null,"note":"Not published"},"perks":{"v":["QuickBooks sync","Zero Club badge","Priority and dedicated support","Cap on 0% transfers rises to $60,000 a month after a 3-month streak"],"src":["s10"]}}],"funding":{"crypto_assets":{"v":["USDC"],"src":["s1","s5"]},"chains":{"v":null,"note":"Paymentscan names Base as the settlement chain; funding networks not published"},"fiat_topup":{"v":["ACH","Wire","SEPA","SPEI"],"src":["s1","s2"],"note":"Incoming bank payments to USD, EUR and MXN account details auto-convert to USDC"},"deposit_fees":{"v":"Platform 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 free","src":["s2","s10"],"note":"Same fees page also lists ACH, wire, SEPA and SPEI as free, so it contradicts itself. FX about 0.5% pass-through"},"min_deposit":{"v":null,"note":"Reported to be none; not confirmed by the issuer"},"spend_from":{"v":"USDC moved from the account balance to the card wallet (Dashboard, Card, Add Funds)","src":["s13"]}},"payments":{"apple_pay":{"v":null,"note":"Paymentscan lists Apple Pay; the issuer's help pages do not mention it"},"google_pay":{"v":null,"note":"Paymentscan lists Google Pay; the issuer's help pages do not mention it"},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":true,"src":["s12"],"note":"Works online, in-store and abroad wherever Visa is accepted"},"restricted_mccs":{"v":null,"note":"Terms prohibit illegal drugs, weapons, unlawful gambling and adult services as business categories; no card MCC list published"}},"availability":{"regions":{"v":["United States","Latin America","Africa (Ghana)"],"src":["s8"],"note":"Coming soon per the page: Asia-Pacific and more LATAM, now moot because of the closure"},"countries_supported_count":{"v":17,"src":["s8"],"note":"US, 15 LATAM countries, and Ghana; homepage says 27 countries"},"countries_supported":{"v":["US","AR","CO","MX","BR","PE","BO","GT","DO","EC","CR","SV","HN","PA","PY","UY","GH"],"src":["s8"]},"countries_excluded":{"v":null,"note":"None listed; Earn feature unavailable to New York residents"},"us_available":{"v":true,"src":["s8"],"note":"New sign-ups ended Nov-01, 2026"},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":null,"note":"SEPA account details offered, but the card region list does not include the EEA"}},"account_features":{"iban":{"v":null,"note":"SEPA (EUR) account details offered; IBAN not stated"},"local_accounts":{"v":["USD (ACH, wire)","EUR (SEPA)","MXN (SPEI)"],"src":["s1","s2"]},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":true,"src":["s2","s3"],"note":"Bank payouts over ACH, wire, SEPA and SPEI; stop Dec-01, 2026"},"yield_on_balance":{"v":null,"note":"Earn vaults exist via Privy; no rate published"},"crypto_loans":{"v":false,"src":["s11"],"note":"Paymentscan: Borrow to Spend not supported"},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":["USD","EUR","MXN"],"src":["s1","s2"]},"other":{"v":"Referral programme gives 1,000 Tier Points to both sides","src":["s4"]}},"security":{"card_freeze":{"v":true,"src":["s13"],"note":"Dashboard, Card, Freeze"},"two_factor":{"v":null,"note":"Not published"},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":"Not FDIC insured","src":["s9","s1"]},"audits":{"v":null,"note":"Not published"}},"app":{"ios_url":{"v":"https://apps.apple.com/us/app/vaultleap/id6761719518","src":["s14"]},"ios_rating":{"v":5,"src":["s14"],"note":"Search summary only; based on three ratings"},"ios_rating_count":{"v":3,"src":["s14"],"note":"Search summary only"},"android_url":{"v":"https://play.google.com/store/apps/details?id=com.vaultleap.app","src":["s14"],"note":"Search summary only"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":["English","Spanish"],"src":["s1"],"note":"Support languages"},"web_app":{"v":null,"note":"Not published"},"support_channels":{"v":["Email: support@vaultleap.com","Support tab in app (tickets)"],"src":["s1","s13"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":3.6,"src":["s15"],"note":"Search summary only, page not opened"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Some users had to redo identity verification through an emailed retry link"],"src":["s16"],"note":"Single user report in a private chat, unverified"},"common_praise":{"v":null,"note":"Not published"}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":106400,"src":["s11"],"note":"2,335 transactions from 218 addresses, Jun to Nov-04, 2026"},"onchain_spend_last_month_usd":{"v":34160,"src":["s11"],"note":"Oct 2026"}},"incidents":[{"date":"2026-11","type":"shutdown","summary":"VaultLeap 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.","src":["s1","s3"]}],"referral":{"user_referral_program":{"v":"1,000 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 days","src":["s4"],"note":"Programme ends with the closure"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"extra":[{"key":"closure_dates","label":"Closure timeline","v":"Nov-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.","src":["s3"]},{"key":"funds_after_close","label":"Funds left after closing","v":"The 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.","src":["s3"]},{"key":"transfer_fee_tiers","label":"Transfer fee tiers","v":"Standard 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+). 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A review reports the card was discontinued on Oct-19, 2026 after its issuer, Unlimit, closed the accounts.","company":{"legal_entity":{"v":"Holyheld Labs AG (CHE-207.939.735), Zug, Switzerland","src":["s2"],"note":"A review names UAB Holyheld Financial (Lithuania) as the operating company for the card"},"hq_country":{"v":"Switzerland","src":["s2"]},"founded":{"v":null,"note":"Not published"},"funding_raised_usd":{"v":null,"note":"Not published"},"investors":{"v":null,"note":"Not published"},"website":{"v":"https://holyheld.com","src":["s3"]},"x_handle":{"v":null,"note":"Not published"},"telegram":{"v":null,"note":"Not published"}},"issuer":{"name":{"v":"Unlimit (Cyprus EMI)","src":["s5"],"note":"Third-party review only; issuer terms do not name the partner. Paymentscan does not state an issuer"},"program_manager":{"v":"Holyheld Labs AG","src":["s2"],"note":"Terms say e-money services are provided by Holyheld's Partners, not by Holyheld"},"licences":{"v":["EMI licence, Cyprus (as stated by a review)"],"src":["s5"],"note":"Holyheld itself is a member of a Swiss self-regulatory organisation (VQF) for anti-money-laundering supervision"},"regulator":{"v":"VQF (Swiss SRO, for Holyheld Labs AG); Central Bank of Cyprus for the EMI per review","src":["s2","s5"]},"card_network":{"v":"Mastercard","src":["s4","s5"]},"card_product_level":{"v":null,"note":"Not published"}},"product":{"status":{"v":"closed","src":["s6","s3"],"note":"The card was discontinued on Oct-19, 2026 after the issuer closed accounts, per a review; Holyheld's own site now shows no card"},"launched":{"v":"2023-04","src":["s5"],"note":"Paymentscan says Mar-2023"},"card_kind":{"v":"debit","src":["s2"]},"forms":{"v":["virtual","physical","metal"],"src":["s5"]},"custody":{"v":"hybrid","src":["s2","s5"],"note":"Crypto stays in the user's wallet until sold; the EUR balance is then held by the EMI partner"},"custody_detail":{"v":"Holyheld terms say it does not hold users' crypto; the euro balance and card sit with the e-money partner","src":["s2"]},"kyc_level":{"v":"full","src":["s5"]},"kyc_documents":{"v":null,"note":"Not published"},"kyc_time":{"v":null,"note":"Not published"},"min_age":{"v":null,"note":"Not published"},"business_cards":{"v":false,"src":["s5"],"note":"Card was for personal use"},"settlement_currency":{"v":"EUR","src":["s5"]},"card_currencies":{"v":["EUR"],"src":["s5"]}},"tiers":[{"name":"Classic","currency":"EUR","is_default":true,"price_monthly":{"v":0,"src":["s5"],"note":"Monthly maintenance fee per review"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":29,"src":["s5"],"note":"Card issuance one-time fee per review; Cryptonoshi lists 1 EUR virtual / 29 EUR physical, conflicting"},"issuance_physical":{"v":29,"src":["s5"],"note":"Prices from a third-party review of Aug-11, 2026; the card is discontinued."},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s5"]},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":0.5,"src":["s5"],"note":"Paid in USDC, claimable after 30 days"},"cashback_asset":{"v":"USDC","src":["s5"]},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":"Card purchases","src":["s5"]},"cashback_exclusions":{"v":"ATM withdrawals, fees, SEPA transfers, account-to-account transfers, declined or returned transactions, currency conversions","src":["s5"]},"cashback_vesting":{"v":"30 days before claimable; no expiry while account is active","src":["s5"]},"points_program":{"v":null,"note":"None found"},"fx_fee":{"v":"2.5% + EUR 1 per transaction","src":["s5"],"note":"Applies to foreign (outside EEA) transactions. Paymentscan lists 2.5%; no real-payment test found."},"crypto_conversion_fee":{"v":0.5,"src":["s5"],"note":"0% Holyheld fee; market spread of about 0.5% may apply"},"topup_fee":{"v":null,"note":"No card top-up fee found; the issuer's individual pricing page lists 1% on-ramp but does not mention cards"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":"2.5% international","src":["s5"]},"atm_fee_fixed":{"v":"EUR 1 in EEA; EUR 2 international","src":["s5"]},"atm_limit_daily":{"v":1000,"src":["s5"]},"atm_limit_monthly":{"v":5000,"src":["s5"]},"spend_limit_per_tx":{"v":5000,"src":["s5"],"note":"Virtual card, per online or point-of-sale transaction"},"spend_limit_daily":{"v":10000,"src":["s5"]},"spend_limit_monthly":{"v":25000,"src":["s5"]},"spend_limit_annual":{"v":250000,"src":["s5"]},"inactivity_fee":{"v":"EUR 1/month after 4 months of card inactivity","src":["s5"]},"decline_fee":{"v":"First 10 per month free, then EUR 0.25","src":["s5"]},"perks":{"v":[],"src":["s5"]}},{"name":"Limited Edition","currency":"EUR","is_default":false,"price_monthly":{"v":0,"src":["s5"],"note":"Monthly maintenance fee per review"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":99,"src":["s5"],"note":"One-time card fee"},"issuance_physical":{"v":99,"src":["s5"],"note":"Prices from a third-party review of Aug-11, 2026; the card is discontinued."},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s5"]},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":0.5,"src":["s5"],"note":"Paid in USDC, claimable after 30 days"},"cashback_asset":{"v":"USDC","src":["s5"]},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":"Card purchases","src":["s5"]},"cashback_exclusions":{"v":"ATM withdrawals, fees, SEPA transfers, account-to-account transfers, declined or returned transactions, currency conversions","src":["s5"]},"cashback_vesting":{"v":"30 days before claimable; no expiry while account is active","src":["s5"]},"points_program":{"v":null,"note":"None found"},"fx_fee":{"v":"2.5% + EUR 1 per transaction","src":["s5"],"note":"Applies to foreign (outside EEA) transactions. Paymentscan lists 2.5%; no real-payment test found."},"crypto_conversion_fee":{"v":0.5,"src":["s5"],"note":"0% Holyheld fee; market spread of about 0.5% may apply"},"topup_fee":{"v":null,"note":"No card top-up fee found; the issuer's individual pricing page lists 1% on-ramp but does not mention cards"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":"2.5% international","src":["s5"]},"atm_fee_fixed":{"v":"EUR 1 in EEA; EUR 2 international","src":["s5"]},"atm_limit_daily":{"v":1000,"src":["s5"]},"atm_limit_monthly":{"v":5000,"src":["s5"]},"spend_limit_per_tx":{"v":5000,"src":["s5"],"note":"Virtual card, per online or point-of-sale transaction"},"spend_limit_daily":{"v":10000,"src":["s5"]},"spend_limit_monthly":{"v":25000,"src":["s5"]},"spend_limit_annual":{"v":250000,"src":["s5"]},"inactivity_fee":{"v":"EUR 1/month after 4 months of card inactivity","src":["s5"]},"decline_fee":{"v":"First 10 per month free, then EUR 0.25","src":["s5"]},"perks":{"v":["Limited Edition design"],"src":["s5"]}},{"name":"Metal","currency":"EUR","is_default":false,"price_monthly":{"v":0,"src":["s5"],"note":"Monthly maintenance fee per review"},"price_annual":{"v":null,"note":"Not published"},"issuance_virtual":{"v":199,"src":["s5"],"note":"One-time card fee"},"issuance_physical":{"v":199,"src":["s5"],"note":"Prices from a third-party review of Aug-11, 2026; the card is discontinued."},"shipping":{"v":null,"note":"Not published"},"replacement_fee":{"v":null,"note":"Not published"},"staking_required":{"v":0,"src":["s5"]},"other_requirements":{"v":null,"note":"Not published"},"cashback_rate":{"v":1,"src":["s5"],"note":"Paid in USDC, claimable after 30 days"},"cashback_asset":{"v":"USDC","src":["s5"]},"cashback_cap_monthly":{"v":null,"note":"Not published"},"cashback_eligible_spend":{"v":"Card purchases","src":["s5"]},"cashback_exclusions":{"v":"ATM withdrawals, fees, SEPA transfers, account-to-account transfers, declined or returned transactions, currency conversions","src":["s5"]},"cashback_vesting":{"v":"30 days before claimable; no expiry while account is active","src":["s5"]},"points_program":{"v":null,"note":"None found"},"fx_fee":{"v":"2.5% + EUR 1 per transaction","src":["s5"],"note":"Applies to foreign (outside EEA) transactions. Paymentscan lists 2.5%; no real-payment test found."},"crypto_conversion_fee":{"v":0.5,"src":["s5"],"note":"0% Holyheld fee; market spread of about 0.5% may apply"},"topup_fee":{"v":null,"note":"No card top-up fee found; the issuer's individual pricing page lists 1% on-ramp but does not mention cards"},"atm_free_monthly":{"v":null,"note":"Not published"},"atm_fee_pct":{"v":"2.5% international","src":["s5"]},"atm_fee_fixed":{"v":"EUR 1 in EEA; EUR 2 international","src":["s5"]},"atm_limit_daily":{"v":1000,"src":["s5"]},"atm_limit_monthly":{"v":5000,"src":["s5"]},"spend_limit_per_tx":{"v":5000,"src":["s5"],"note":"Virtual card, per online or point-of-sale transaction"},"spend_limit_daily":{"v":10000,"src":["s5"]},"spend_limit_monthly":{"v":25000,"src":["s5"]},"spend_limit_annual":{"v":250000,"src":["s5"]},"inactivity_fee":{"v":"EUR 1/month after 4 months of card inactivity","src":["s5"]},"decline_fee":{"v":"First 10 per month free, then EUR 0.25","src":["s5"]},"perks":{"v":["Metal card"],"src":["s5"]}}],"funding":{"crypto_assets":{"v":["USDC","USDT"],"src":["s2","s3"],"note":"Terms: USDC is the asset for the exchange service; a review claims 1,200+ tokens via swaps"},"chains":{"v":["Ethereum","Arbitrum","Optimism","Polygon","zkSync Era","Avalanche","Base","Gnosis","BNB Chain","Solana","Starknet"],"src":["s5"],"note":"Review lists up to 20 networks; sources disagree"},"fiat_topup":{"v":["SEPA"],"src":["s5"]},"deposit_fees":{"v":null,"note":"No card top-up fee found"},"min_deposit":{"v":null,"note":"Not published"},"spend_from":{"v":"EUR balance after manual pre-load (sell crypto first)","src":["s5","s6"]}},"payments":{"apple_pay":{"v":true,"src":["s5"]},"google_pay":{"v":true,"src":["s4"]},"samsung_pay":{"v":null,"note":"Not published"},"three_d_secure":{"v":null,"note":"Not published"},"contactless":{"v":null,"note":"Not published"},"online_subscriptions":{"v":null,"note":"Not published"},"restricted_mccs":{"v":null,"note":"Not published"}},"availability":{"regions":{"v":["EEA"],"src":["s5"]},"countries_supported_count":{"v":30,"src":["s5"]},"countries_supported":{"v":["AT","BE","BG","HR","CY","CZ","DK","EE","FI","FR","DE","GR","HU","IS","IE","IT","LV","LI","LT","LU","MT","NL","NO","PL","PT","RO","SK","SI","ES","SE"],"src":["s5"]},"countries_excluded":{"v":["AF","AL","CU","IR","IQ","KP","PK","SY","TR","AE","VE"],"src":["s5"],"note":"Nationality restrictions per review"},"us_available":{"v":false,"src":["s6"]},"uk_available":{"v":null,"note":"Not published"},"eea_available":{"v":false,"src":["s6"],"note":"Was available; now discontinued"}},"account_features":{"iban":{"v":"Personal EUR IBAN (SEPA)","src":["s5"]},"local_accounts":{"v":null,"note":"Not published"},"p2p_transfers":{"v":null,"note":"Not published"},"crypto_to_bank_payouts":{"v":null,"note":"Not published"},"yield_on_balance":{"v":null,"note":"None found"},"crypto_loans":{"v":false,"src":["s4"]},"bill_pay":{"v":null,"note":"Not published"},"multi_currency":{"v":null,"note":"Not published"},"other":{"v":"Holyheld's current individual account is invite-only, CHF 0 per year, with USD/EUR/GBP rails and no card","src":["s1"]}},"security":{"card_freeze":{"v":null,"note":"Not published"},"two_factor":{"v":"Multi-factor authentication","src":["s1"]},"biometrics":{"v":null,"note":"Not published"},"proof_of_reserves":{"v":null,"note":"Not published"},"insurance":{"v":null,"note":"Not published"},"audits":{"v":"PCI DSS Level 1","src":["s1"]}},"app":{"ios_url":{"v":null,"note":"Not published"},"ios_rating":{"v":null,"note":"Not published"},"ios_rating_count":{"v":null,"note":"Not published"},"android_url":{"v":null,"note":"Not published"},"android_rating":{"v":null,"note":"Not published"},"android_installs":{"v":null,"note":"Not published"},"languages":{"v":null,"note":"Not published"},"web_app":{"v":"https://app.holyheld.com","src":["s6"]},"support_channels":{"v":["In-app chat"],"src":["s6"]},"support_hours":{"v":null,"note":"Not published"}},"reputation":{"trustpilot_score":{"v":null,"note":"Not published"},"trustpilot_reviews":{"v":null,"note":"Not published"},"common_complaints":{"v":["Funds locked by the euro-balance partner after AML review (one case of about EUR 10,000 escalated to the regulator, per a review aggregator)","High FX fee on non-EEA spend"],"src":["s7","s5"]},"common_praise":{"v":["Fast, competent support replies","Low crypto-to-EUR conversion cost"],"src":["s6","s5"]}},"adoption":{"users_claimed":{"v":null,"note":"Not published"},"onchain_spend_all_time_usd":{"v":null,"note":"Paymentscan shows no value"},"onchain_spend_last_month_usd":{"v":null,"note":"Paymentscan shows no value"}},"incidents":[{"date":"2026-10","type":"shutdown","summary":"The card was discontinued on Oct-19, 2026 after issuer Unlimit told users it could no longer offer accounts or cards and was closing them, per a review.","src":["s6"]}],"referral":{"user_referral_program":{"v":null,"note":"Not published"},"affiliate_program":{"v":null,"note":"Not published"},"affiliate_url":{"v":null,"note":"Not published"},"affiliate_terms":{"v":null,"note":"Not published"}},"regional":[],"tests":[{"metric":"conversion_spread","value":0.5,"text":"About 0.5% broker sell spread when converting crypto to EUR, no Holyheld fee","tester":"Cryptonoshi","date":"2026-10-28","src":["s6"]}],"extra":[{"key":"fee_schedule_date","label":"Fee schedule last updated","v":"Mar-19, 2025 (per review)","src":["s5"]},{"key":"domestic_payments","label":"Domestic payments","v":"First 100 per month free, then EUR 0.50","src":["s5"]},{"key":"gas_fees","label":"Gas fees on top-up","v":"Subsidised by Holyheld, per review","src":["s5"]}],"sources":[{"id":"s1","url":"https://holyheld.com/pricing/individual","title":"Holyheld individual pricing","publisher":"issuer","accessed":"2026-11-05"},{"id":"s2","url":"https://holyheld.com/legal/terms-and-conditions","title":"Holyheld Terms and Conditions (updated 01.07.2026)","publisher":"issuer","accessed":"2026-11-05"},{"id":"s3","url":"https://holyheld.com/","title":"Holyheld home","publisher":"issuer","accessed":"2026-11-05"},{"id":"s4","url":"https://paymentscan.xyz/cards/holyheld","title":"Holyheld on Paymentscan","publisher":"paymentscan","accessed":"2026-11-05"},{"id":"s5","url":"https://www.cryptocardhub.com/card/holyheld-card","title":"Holyheld Mastercard review, updated Aug-11, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s6","url":"https://cryptonoshi.com/product/holyheld-card/","title":"Holyheld Card review, Last Updated Oct-28, 2026","publisher":"review","accessed":"2026-11-05"},{"id":"s7","url":"https://www.cryptocards.so/en/card/holyheld-card","title":"Holyheld card overview (search summary only)","publisher":"other","accessed":"2026-11-05"}],"trust":{"licence":{"points":5,"reason":"Holyheld Labs AG only holds Swiss self-regulatory-organisation membership for anti-money-laundering; e-money and the card came from a partner, reported as Unlimit (Cyprus EMI).","src":["s2","s5"]},"custody":{"points":9,"reason":"Crypto stays in the user's wallet until sold, but the euro balance sits with the e-money partner, and one reported case shows funds locked after an AML review.","src":["s2","s7"]},"incidents":{"points":2,"reason":"The card was discontinued on Oct-19, 2026 after the issuer closed users' accounts, per a review.","src":["s6"]},"track_record":{"points":6,"reason":"Live since 2023 but Paymentscan shows no on-chain volume figures, and the card is now closed.","src":["s4","s5"]},"transparency":{"points":4,"reason":"Terms do not name the issuer or list fees; fee detail was only found in third-party reviews, and the site no longer mentions the card.","src":["s2","s1"]},"support":{"points":5,"reason":"A review tested in-app chat with replies in 5 minutes to about an hour and rated it highly, but no phone line or published hours.","src":["s6"]}},"trustPoints":31,"grade":"F","confidence":89,"best":{"tier":"Classic","net":-76,"pctOfSpend":-0.6333333333333333,"lines":[{"label":"Rewards you can spend","usd":60},{"label":"Subscription","usd":0},{"label":"Card fee, spread over 2 years","usd":-16},{"label":"FX fee on foreign spend","usd":-60},{"label":"Fees on every purchase","usd":-60},{"label":"Cost of locked money","usd":0}]},"score":9,"website":"https://holyheld.com","inactive":true}]}