Pyra Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | Card spending, top-up, sign-up and maintenance are 0%; a foreign-exchange fee applies to non-USD card transactions (exact rate per card terms). |
| ATM limit | No physical card or ATM access confirmed (virtual card via Apple/Google Pay; beta) |
| Spending limit | Based on collateral and credit line |
Features
- KYC: Yes
- Card type: Virtual
- Top up with: Deposit paycheck or crypto into Pyra
Full list
- Funds auto-invested into a diversified portfolio (SOL, BTC, ETH, USDC, USDT) on Solana earning variable yield
- Spend USDC credit drawn against the portfolio (no direct card top-up)
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary…
Full list
… Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Switzerland, United States, Brazil, Mexico, Argentina, Colombia (United States confirmed live in beta; broader list is planned rollout via the Rain network, not yet confirmed live; excludes sanctioned jurisdictions)
Who issues the Pyra Card
Pyra Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy, inferred from the program manager and not stated by the issuer itself. This attribution covers Pyra's US card. Pyra named Rain as its card issuing partner. The card was discontinued on 15 June 2026.
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Pros and cons before it closed
Pros
- Spend without selling assets; earn variable yield on your portfolio; no liquidation fees; automated self-custody DeFi credit line on Solana
- No card issuance fee
- No annual maintenance fee
Cons
- Requires crypto collateral; borrowing creates interest charges; automatic liquidation if collateral drops; no cashback
- No IBAN or bank-account features
Regional availability
Was available in the United States
The Pyra Card was for US residents.
Banking and fiat rails
Card overview
Pyra was a self-custody spending account and Visa credit card built on Solana that let you spend without selling your investments. You deposited a paycheck or crypto, Pyra invested it into a portfolio (SOL, BTC, ETH, USDC and more) that earned a variable yield, and you spent USDC credit drawn against that portfolio anywhere Visa is accepted. The over-collateralized loans ran through Drift, and automatic market-rate sales were meant to protect you from liquidation fees if values fell. It was in beta on iOS and Android in the United States, with Apple Pay and Google Pay, until the company announced its wind-down on 15 June 2026.
