Custody
Custody of each crypto card, with a source for each value. Checked Nov-05, 2026.
| self-custody | ||
| custodialFunds sit in the Crypto.com App; crypto is converted to fiat before it is loaded to the card | ||
| self-custodyWirex calls it non-custodial; card, IBAN and bank-transfer services are regulated products provided by Wirex entities | ||
| self-custodySpending uses self-custody MetaMask accounts; the page does not describe custody of the Money Account | ||
| self-custodyPlasma describes a non-custodial smart account secured by Privy; card spend moves funds from the wallet | ||
| custodial | ||
| self-custodyPhantom, Stripe and partners cannot move funds; the card partner draws CASH from your account at purchase | ||
| hybridKolo says the wallet is non-custodial (MPC); the card-linked USD balance is fiat and not self-custodial per Penchan | ||
| self-custodyTerms: Exa has no custody of or access to the wallet's private keys | ||
| custodialFunds are deposited into a RedotPay account balance and converted at payment; no self-custody mode documented. | ||
| custodial | ||
| self-custodyEthena Pay says it never holds user money; collateral can be liquidated by a third party | ||
| self-custody | ||
| self-custodyTria 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 | ||
| hybridDefault: custodial (assets held by a custodian partner). Optional Self-Custody Mode holds the USD balance as USDC in a dedicated Solana Privy wallet | ||
| custodialSpends from Binance Funding, Spot and Flexible Earn balances, converted at payment | ||
| self-custodyDocs say funds are held in a smart wallet the user controls (COCA 3.0, Q2 2026) | ||
| self-custodyBitget's academy article calls the design non-custodial, but the card balance is loaded from the wallet and cannot be moved back | ||
| custodialCard has no wallet; it spends the Bybit Funding Account and Flexible Easy Earn balance | ||
| self-custodyHelp centre says Tuyo is self-custodial | ||
| self-custodyCredit Mode collateral sits in escrow smart contracts | ||
| hybridFunds sit in the user's Fiat24 bank account, separate from the self-custodial SafePal wallet | ||
| self-custodyCollateral stays in your wallet and smart contracts; Rain says it does not hold custody | ||
| self-custodyThe 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 | ||
| hybridSend says it is non-custodial; the loaded card balance is a separate USD balance with the card program | ||
| custodialFunds stay as balances in your Gate account until a purchase | ||
| custodial | ||
| self-custodySolayer 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 | ||
| custodialDeposits 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 | ||
| custodialCardify describes a custodial wallet; the issuer does not describe custody | ||
| self-custody | ||
| self-custody | ||
| self-custodyDescribed as non-custodial by a review; Cypher's own pages do not detail custody | ||
| self-custody | ||
| hybridWallet 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 | ||
| hybridCrypto stays in the user's wallet until sold; the EUR balance is then held by the EMI partner |
More in The card
StatusLaunchedTypeFormsHow custody worksKYCKYC documentsKYC timeMinimum ageSettles inCard currencies