# Sweepbase — full card data 171 cards tracked: 139 obtainable, 27 discontinued, 5 announced but never issued. Rows are re-checked in batches, not on a fixed cycle. Per-row review dates run 2026-06-22 to 2026-08-10. Each row states its own. Licence: CC-BY 4.0 — reuse freely with attribution to sweepbase.net. Every section is headed by the canonical URL for that card; cite that URL, not this file. Fields are transcribed from issuer documentation by a human editor; "Editor note" is our own observation. # Obtainable cards ## 1inch Debit Card https://sweepbase.net/cards/1inch-debit-card - Issuer (BIN sponsor, named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual + Physical - Network: Mastercard Standard - Custody: Custodial - Countries available: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: UK and EEA only - Issuance fee: Free - Annual fee: Free - FX fee: 0% FX fee; 1.75% crypto-to-fiat conversion fee per transaction - Cashback: 2% in BXX or 1% in BTC or 1% in USDT (selected at purchase time); net return negative for BTC/USDT options after 1.75% conversion fee - Welcome bonus: None publicly advertised (powered by Crypto Life/Baanx; cashback up to 2% in BXX/1INCH/BTC/USDT) - Yield: No. The live card page asserts no yield: the reward model is up to 2% crypto cashback, and the borrowing products (CryptoDraft/Stableloans) are credit against collateral, not interest on the balance (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN: Yes; SEPA: Yes; SWIFT: Yes (via Crypto Life account rails) - Blockchain top-up: Crypto top-up via 1inch/CL wallet; supports 1INCH, USDT, BTC, LTC, XRP, BXX (multi-chain via 1inch ecosystem) - Top-up methods: 1INCH, USDT, BTC, LTC, XRP, BXX (per 1inch.com/card; USDC/EURT no longer listed) - Mobile pay: Yes - ATM withdrawal limit: €8000/day; requires verification above €10000 - Daily spending limit: €8,000 - Official site: https://1inch.com/card - Editor note: The 1inch Card runs on Baanx's Crypto Life stack, and that stack just went through upheaval: Baanx and Monavate entered UK receivership and Exodus bought them out for about $76.3M around May 1 2026, so custodial balances carried real counterparty risk through the transition. On fees, the flat 1.75% crypto-to-fiat conversion means only the 2% BXX cashback tier can stay non-negative, and BXX is Baanx's own thin-liquidity token, not 1INCH. The 1% BTC or USDT tiers net a small loss after that conversion cut. - Last reviewed: 2026-07-20 ## Avalanche Card https://sweepbase.net/cards/avalanche-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical - Network: Visa Standard - Custody: Self-custody - Countries available: United States (35 states), Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, United Kingdom, Switzerland, Australia, New Zealand, Canada, Japan, Singapore, Hong Kong, Taiwan, South Korea, Argentina, Brazil, Mexico, Chile, Colombia, Peru, Uruguay, Dominican Republic, Costa Rica, Panama, Bahamas, Barbados, Jamaica, Cayman Islands, South Africa, Kenya, Egypt, Morocco, United Arab Emirates, Saudi Arabia, Turkey, Indonesia, Philippines, Thailand, Malaysia, India (173 countries total; excludes Belarus, Cuba, Iran, Iraq, Israel, Mainland China, Nepal, Nicaragua, Nigeria, North Korea, Russia, Sri Lanka, Syria, Ukraine, Venezuela, Vietnam) - KYC: Yes - Regions with KYC: USA (35 states), 173 countries globally (excludes Belarus, Cuba, India, Iran, Iraq, Israel, Mainland China, Nepal, Nicaragua, Nigeria, North Korea, Russia, Sri Lanka, Syria, Turkey, Ukraine, Venezuela, Vietnam) - Issuance fee: Free - Annual fee: Free - FX fee: 1% advertised (2% for US users; up to 6% international) - Cashback: No published rewards programme on official site (FAQ Jul 2026); third parties report AVAX rewards and a Rain Rewards integration is in beta - Welcome bonus: None publicly advertised (AVAX rewards program on purchases) - Yield: No. Neither avalanchecard.com nor the official Avalanche support article asserts any yield, interest or staking reward on the card balance; the card holds USDC, USDT, AVAX and wAVAX in self-custody until the moment of spend (checked 2026-07-20) - IBAN / SWIFT / SEPA: None disclosed (pure crypto-backed Visa via Rain) - Blockchain top-up: Avalanche C-Chain only (AVAX, wAVAX, USDC, USDT) - Top-up methods: USDC, USDT, AVAX, wAVAX (4) - Mobile pay: Yes - ATM withdrawal limit: No ATM access - Daily spending limit: Based on collateral (100% for stablecoins; 50% for AVAX) - Official site: https://www.avalanchecard.com/ - Editor note: The Avalanche Card's FX schedule is what surprised me when I added it to the database. 1% is the advertised number, but US users pay 2% and the international tier hits up to 6% on some corridors, which is among the highest spreads on a card claiming self-custody. The product is a smart-contract-collateralised Visa on Avalanche with no ATM withdrawals and no FDIC backing, both of which are reasonable trade-offs for the design but worth knowing before treating it as a traditional debit card. - Last reviewed: 2026-07-20 ## Avici Card https://sweepbase.net/cards/avici-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical - Network: Visa Signature - Custody: Self-custody - Countries available: 48 countries including US (31 states), Argentina, Australia, Brazil, Hong Kong, Japan, Mexico, Singapore, Thailand, UAE; NOT available in Europe or UK - KYC: Yes - Regions with KYC: USA (31 states), Latin America, Asia-Pacific, Middle East; not available in Europe or the UK - Issuance fee: Virtual Platinum $15 first card, $10 each subsequent (one-time); $30/yr Virtual Signature (then $20/yr); Physical Platinum $50 one-time; Physical Signature $75 (then $20/yr from second year) - Annual fee: $20/year (Signature/Physical after first year) - FX fee: 0% Avici fee (only Visa's ~0.4-1% standard cross-border fee) - Cashback: None - Welcome bonus: None publicly advertised - Yield: No cashback but USDC deposits can earn yield elsewhere - IBAN / SWIFT / SEPA: IBAN: Yes (SEPA EUR); USD via ACH/Fedwire; SWIFT not mentioned in docs. Virtual accounts open free ($0); per transfer: ACH $1, wire $15, SEPA €1 - Blockchain top-up: Ethereum, Polygon, Optimism, Base, Arbitrum, Avalanche, BNB Chain, Monad, Mantle, Abstract, Scroll, Solana (12 chains) - Top-up methods: Multi-chain: Solana, Ethereum, Polygon, Arbitrum, Optimism, Base, BSC, Avalanche (40+ tokens) - Mobile pay: Yes - ATM withdrawal limit: Not available (virtual card focus) - Daily spending limit: Up to available USDC collateral - Official site: https://avici.money/ - Editor note: Avici markets this as a credit card, but it is a secured, pre-funded Visa: you deposit USDC into your own escrow contract and spend only against that collateral. Zero cashback, zero rewards, zero points on both live tiers. The advertised 0% FX is Avici's markup only, so Visa's roughly 0.4 to 1% cross-border fee still hits non-USD purchases. And every spend locks your collateral for a 1 to 7 day settlement window before it frees up. - Last reviewed: 2026-06-22 ## Based Card https://sweepbase.net/cards/based-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, United Kingdom, Switzerland, Australia, New Zealand, Canada, Japan, South Korea, Taiwan, Brazil, Mexico, Argentina, Chile, Colombia, Peru, United Arab Emirates, Saudi Arabia, Turkey, South Africa, Indonesia, Philippines, Thailand, Vietnam, India, Pakistan, Bangladesh (100+ countries; excludes United States and Mainland China; Singapore Hong Kong Malaysia programs ended Nov 2025) - KYC: Yes - Regions with KYC: 100+ countries (excludes US, Mainland China); legacy Singapore/HK/Malaysia ending Nov 2025 - Issuance fee: None — docs state card tiers no longer have signup fees - Annual fee: None per docs ('no signup fees or annual fees'); based.one/cash still shows Orange $20/yr, contradicting the docs - FX fee: Orange: 2.5% FX; HYPE: 1.5% FX; Based Gold: 0% FX (tiered by $BASED token lockup) - Cashback: HYPE card 2% cashback capped at $20/mo (requires 10,000 $BASED lockup); Based Gold 4% capped at $100/mo (requires 100,000 $BASED lockup); no cashback on base tier - Welcome bonus: None (legacy signup/annual fees removed); points-based loyalty, up to 1.5% cashback - Yield: No - IBAN / SWIFT / SEPA: None disclosed - Blockchain top-up: Solana (USDT), Arbitrum (USDC), Polygon (XSGD), Hyperliquid - Top-up methods: USDC, USDT, XSGD, other stablecoins (5+) - Mobile pay: Yes (Apple Pay; Google Pay inconsistent) - ATM withdrawal limit: No ATM withdrawals - Daily spending limit: $1,500/month Standard; $90,000/month Hype Card - Official site: https://based.one - Editor note: BasedApp discontinued its original Singapore Visa card on November 15, 2025 and withdrew its MAS payment-services license. The successor "Hype Card" is being rolled out on based.one for international markets, but the legacy Singapore/HK/Malaysia card is gone. Fees were re-checked against the official docs in August 2026: signup and annual fees are gone (HYPE and Based Gold cards available now, Orange coming soon), though based.one/cash still shows a $20/yr Orange fee the docs contradict. - Last reviewed: 2026-06-22 ## Binance Card https://sweepbase.net/cards/binance-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Pomelo S.A. — Argentina (BaaS, multi-LatAm) - Card type: Virtual + Physical - Network: Mastercard Prepaid - Custody: Custodial - Countries available: Brazil, Argentina, Peru, Australia, New Zealand (excludes United States United Kingdom European Economic Area) - KYC: Yes - Regions with KYC: Binance names Brazil, Argentina, Peru and Armenia in its own words on binance.com/en/cards, whose region selector carries eight options: Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC and Argentina. The MEA, APAC, AU and NZ tabs name no country at all, and the CIS tab says only some CIS countries and Armenia, so no consolidated list of supported countries exists anywhere. A separate Binance Card Global Program runs through Immersve Limited, a New Zealand entity licensed as a card issuer by Mastercard. Excludes EEA, UK and United States - read from absence, since no European or American tab exists and binance.com/en-GB/cards 404s, not from any Binance statement - Issuance fee: Free - Annual fee: Free - FX fee: 0.9% crypto-to-fiat conversion + 1-2% FX on foreign currency - Cashback: Brazil-only Mastercard: spend-based tiers 1.5% (<500 BRL/mo) / 2% (500-5,000) / 3% (>=5,000 BRL monthly spend), applied retroactively to the whole month; capped at 500 BRL/month and credited in BRL, not BNB (grid effective 2026-06-01, Binance card FAQ). - Welcome bonus: None (no welcome offer; the Brazil grid pays 1.5-3% by monthly spend and the Global Program 0.5-2% capped at 20 USDC - different products) - Yield: Not on the card balance: the card spends the Funding/Spot account, which pays nothing; Simple Earn Flexible is a separate product you subscribe assets into (Earn balances count only toward physical-card eligibility). Card is Brazil-only since the Oct 2025 relaunch (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (funded from Binance spot wallet); EEA program closed Dec 2023, active in LATAM/MENA - Blockchain top-up: Funded from Binance account: BNB, USDT, USDC, BTC, ETH, ADA, DOT, SOL, MANA, SXP (no direct on-chain top-up) - Top-up methods: BTC, BNB, USDT and 10+ major cryptos - Mobile pay: Yes - ATM withdrawal limit: €290/day; 0.9% fee - Daily spending limit: Varies by tier based on BNB holdings, up to €8700/day for highest tier - Official site: https://www.binance.com/en/cards - Editor note: This is not the old 8% Binance Visa. That card was shut down at the end of 2023 and nothing has replaced it in Europe; note that the December 2023 date comes from press, because Binance's own closure FAQ no longer resolves. Re-checked 2026-08-05, and the Brazil-only reading this row used to carry is wrong: binance.com/en/cards carries an eight-option region selector (Brasil, LATAM, CIS, MEA, Australia, New Zealand, APAC, Argentina) and every option rewrites the same FAQ answer, so a reader who never clicks sees the line "Currently we support: Brazil." and stops there. Click through and the Argentina tab names Argentina, the LATAM tab names Peru, and Binance's help centre documents a separate Binance Card Global Program issued by Immersve Limited of New Zealand under the Mastercard Global Reach Partner Program, paying 0.5-2% in stablecoin capped at 20 USDC a month. What has not changed is that there is no card for the EEA, the UK or the United States. Since June 2026 cashback pays out in BRL, not BNB, on spend-based tiers of 1.5, 2 and 3 percent, capped at 500 BRL a month, roughly $90. I keep seeing this recommended in Reddit threads from people who still think the 8% rate exists. It doesn't. If you're outside Brazil the card simply isn't an option for you. I held the old European Visa through Contis for about eighteen months before it closed, which is where the first-hand detail in our Binance review comes from; the Brazil Mastercard described here is a different product that nobody on this desk has spent on, so this row is documentation-verified rather than tested. - Last reviewed: 2026-08-05 ## Bing Card https://sweepbase.net/cards/bing-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa + Mastercard (both virtual); Visa Platinum (physical) - Custody: Custodial - Countries available: Algeria, Angola, Argentina, Australia, Austria, Bahrain, Bangladesh, Benin, Botswana, Brazil, Burkina Faso, Burundi, Cameroon, Canada, Cape Verde, Central African Republic, Chad, Chile, Colombia, Comoros, Congo, Costa Rica, Côte d'Ivoire, Djibouti, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Gabon, Gambia, Ghana, Guatemala, Guinea, Guinea-Bissau, Honduras, India, Indonesia, Israel, Japan, Jordan, Kazakhstan, Kenya, Kuwait, Kyrgyzstan, Lesotho, Liberia, Madagascar, Malawi, Malaysia, Mali, Mauritania, Mauritius, Mexico, Mongolia, Morocco, Mozambique, Namibia, Nepal, New Zealand, Niger, Oman, Panama, Paraguay, Peru, Philippines, Qatar, Rwanda, Senegal, Seychelles, Singapore, South Africa, South Korea, Taiwan, Tanzania, Thailand, Togo, Tunisia, Uganda, United Arab Emirates, Uruguay, Vietnam, Zambia, Zimbabwe - KYC: No (virtual cards); Yes (physical Platinum) - Regions with KYC: Worldwide (no restrictions mentioned, privacy-focused) - Issuance fee: Virtual $20 (Premium) / $25-40 (non-Premium); Physical Platinum $168 - Annual fee: None (3-year validity) - FX fee: 0% transaction fee (min $0.5 on purchases under $50); 1.5% cross-border (min $0.5); 2% exchange fee; 2% top-up/deposit/withdrawal - Cashback: None - Welcome bonus: None - Yield: No - IBAN / SWIFT / SEPA: None (pure prepaid; issuer Queensland FX Inc., FINTRAC MSB) - Blockchain top-up: BTC, ETH, USDT, USDC (Bitcoin, Ethereum, Base chains) - Top-up methods: BTC, ETH, USDT, USDC (4) - Mobile pay: Rolling out (Apple Pay + Google Pay) - ATM withdrawal limit: Physical: ~$2,000/day; Virtual high tier: depends on level - Daily spending limit: Virtual Exclusive: $10k/month; Star: $100k/month; Premium: $200k/month; Physical Platinum: varies - Official site: https://www.bingcard.com/ - Editor note: Live and taking applications as of July 2026: a no-ID virtual card issued in about five minutes, rechargeable with BTC, USDT, ETH or USDC, plus a physical tier issued from Hong Kong that requires full KYC. No cashback or yield on any tier, and US citizens and residents are excluded. The catch is the prepaid top-up model: Trustpilot carries reports of crypto deposits debited but never credited, frozen funds, and support that goes quiet. Loads can be non-refundable, so if crediting fails you carry the loss. - Last reviewed: 2026-06-22 ## BipTap Card https://sweepbase.net/cards/biptap-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa - Custody: Custodial - Countries available: Global (200+ countries claimed by issuer; no public eligibility list) - KYC: Not specified - Regions with KYC: 200 countries - Issuance fee: Virtual $0; coloured virtual $5 plus $3/month (Lite and PRO); Plastic $50 and Metal $150 on a PRO account, both $0 on Premium and Business. PRO bundles one free physical card. Requires a paid account: PRO $300 to open, Premium $5,000 - Annual fee: $0 card administration; account-level yearly fee $0 Lite / $80 PRO / $5,000 Premium - FX fee: Not disclosed. BipTap publishes no foreign-transaction percentage - Cashback: 0.1% virtual / 0.25% plastic / 0.3% metal / 0.5% premium metal - Welcome bonus: None disclosed (tiered plans: Virtual free, PRO $300, Premium $5,000) - Yield: No - IBAN / SWIFT / SEPA: Not confirmed — BipTap's own site never mentions IBAN, SEPA, or SWIFT; deposits route through an unnamed intermediary bank (pooled, not personal), and BipTap discloses no partner bank or jurisdiction. An unconfirmed 2025 forum post alleges the same Laos JDB-bank backend as UltimoPay - Blockchain top-up: Crypto deposits on Ethereum, BSC, Solana and Tron; 3% deposit fee (2.8% Premium) - Top-up methods: ETH, BSC, SOL and TRON networks (20+ major tokens); crypto deposit fee 3% on Lite and PRO, 2.8% on Premium - Mobile pay: Not specified - ATM withdrawal limit: $3,000/day on plastic, metal and premium cards. BipTap charges no ATM fee of its own; external ATM and processor fees apply - Daily spending limit: No stated limit - Official site: https://biptap.com/cards - Editor note: The real cost is the account, not the card. Plastic runs $50 and metal $150, but both need a PRO account that costs $300 to open, and Premium waives the card fees only after $5,000. Every crypto top-up carries a 3% deposit fee, 2.8% on Premium, and cashback of 0.1% to 0.5% will not claw that back. Visa only, despite the Mastercard claim we carried until 25 July 2026, and BipTap publishes no foreign-transaction rate at all, so cross-border cost is unknowable before you spend. Custodial. The status page self-reported support as inactive at review time. - Last reviewed: 2026-07-25 ## Bitget Card https://sweepbase.net/cards/bitget-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Immersve — New Zealand (FSP, Mastercard Principal) - Card type: Virtual + Physical (physical available in 9 APAC countries) - Network: Visa Debit - Custody: Custodial - Countries available: 50+ countries per the official card page (EEA, UK, nine LatAm countries, South Africa, Pakistan, Bangladesh, APAC); physical card ships in Singapore, South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand, Philippines - KYC: Yes — Level 1 identity plus Level 2 Proof of Address required before applying - Regions with KYC: 50+ countries incl. EEA, UK, nine Latin American countries, South Africa, Pakistan, Bangladesh - Issuance fee: Free (virtual); $5 USDC for first physical card (physical available in Singapore, South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand, Philippines) - Annual fee: Free (no annual, inactivity, or cancellation fees) - FX fee: Monthly 0-fee quota with full fee rebate; above quota standard 1-2.2% by region; 1.7% non-USD conversion - Cashback: 2% base 'assetback' for all cardholders, upgradeable to 3%; paid in BTC, gold, tokenized US stocks or USDC (replaced the old BGB VIP-tier model) - Welcome bonus: Up to 20% cashback in BGB, capped at $850, first 30 days after card activation (recurring cashback drops to 2-12% by VIP tier afterward) - Yield: Not on the card balance: the card draws from the wallet crypto balance, while yield requires staking into protocols via the wallet's Earn section (ETH ~2.67%, BGB ~5%, SOL ~7.5%, USDT ~4.72%; blog also advertises up to 10% on a stablecoin promo) (checked 2026-07-20) - IBAN / SWIFT / SEPA: None — card spends from the Bitget exchange account, no personal IBAN/bank account attached - Blockchain top-up: Not applicable — no separate blockchain top-up; spends directly from the Bitget OTC/exchange account balance - Top-up methods: No separate top-up: spends directly from the Bitget OTC/exchange account balance; settles via USDC (Visa converts local currency to USD, Bitget converts USD to USDC) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not available — ATM withdrawals require the physical card, which is still "Coming Soon" - Daily spending limit: Standard: $50,000/transaction, $50,000/day, $990,000/year (50 tx/day, 1,040 tx/year); Premium: no per-transaction cap, $250,000/day (80 tx/day) - Official site: https://web3.bitget.com/en/card - Editor note: Bitget Wallet replaced the old BGB VIP-tier cashback with 'Assetback' in 2026: every cardholder earns a 2% base rate, upgradeable to 3%, paid in BTC, gold, tokenized US stocks or USDC rather than in BGB. The card also went global — the official page lists 50+ countries including the EEA and UK — and physical cards now ship in nine APAC countries. Fees moved to a monthly 0-fee quota: within it transaction fees are rebated in full, above it standard 1-2.2% regional fees apply plus 1.7% non-USD conversion. Re-checked against Bitget's card page and help centre, Aug 2026. - Last reviewed: 2026-07-20 ## Bitpanda Card https://sweepbase.net/cards/bitpanda-card - Issuer (BIN sponsor, named in the card's own terms): Transact Payments Malta Limited — Malta (MFSA C 91879) - Card type: Virtual + Physical - Network: Visa Platinum - Custody: Custodial - Countries available: Eurozone residents only — the Bitpanda card FAQ lists 19 eurozone countries (Austria through Spain); non-euro EU/EEA countries are not eligible - KYC: Yes - Regions with KYC: Eurozone residents only (19 countries per Bitpanda card FAQ) - Issuance fee: Free (€9.90 replacement) - Annual fee: Free - FX fee: 0% Bitpanda FX fee (only Visa standard rates) - Cashback: 1% cashback on crypto-funded purchases (fiat, stablecoins, metals, stocks excluded) - Welcome bonus: None specific to card; platform offers region-based welcome bonuses (e.g., EUR 10) - Yield: Yes, on the spendable balance (opt-in): "When you activate Cash Plus, your selected cash balance is automatically moved to your Cash Plus balance every working day... You never lose access to your money." EUR 1.73% / USD 3.00% / GBP 3.07% base, higher at BEST VIP tiers; requires an appropriateness test and accepting a derivative contract over BlackRock money-market funds. Fiat only (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN: pooled/shared, not personal (Bitpanda can reassign your deposit IBAN at any time; the 2024 Deutsche Bank deal supplies local German IBANs to Bitpanda itself, not individual customers); SEPA: Yes; SWIFT: Yes - Blockchain top-up: No direct blockchain top-up; funded from Bitpanda fiat/crypto balance - Top-up methods: 200+ cryptocurrencies plus precious metals and stocks from Bitpanda account - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: €350/day, €1.50 per withdrawal - Daily spending limit: €10000/day - Official site: https://www.bitpanda.com/en/card - Editor note: The Bitpanda Card's interesting feature is not the cashback. It is that the underlying account holds crypto, metals, and stocks in one place and the card spends from any of them. The catch is the tax position in the Eurozone, especially Germany and Austria: every transaction settles by selling a position, which creates a §23 EStG disposal event. A reader spending €1,500 a month generates over a hundred disposal events a year, and the 1-1.5% conversion spread compounds across each. - Last reviewed: 2026-07-20 ## Bitrefill Card https://sweepbase.net/cards/bitrefill-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Wallester AS — Estonia / EEA (Visa Principal Member) - Card type: Virtual + Physical - Network: Visa Standard - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes (2 tiers: Starter €10K/month; Plus €15K/month with ID verification) - Regions with KYC: EU/EEA only (27 countries) - Issuance fee: Free (virtual and physical; no issuing, postal or monthly fees) - Annual fee: Free - FX fee: 1.99% crypto-to-EUR conversion fee; 0% on EUR purchases - Cashback: 2% cashback in Bitrefill store credit (1% on deposit + 1% on spend; redeemable for gift cards and eSIMs only) - Welcome bonus: None - Yield: No - IBAN / SWIFT / SEPA: None (prepaid Visa) - Blockchain top-up: Bitcoin (on-chain & Lightning), Ethereum, USDC, USDT, Litecoin, Dogecoin, Dash, Binance Pay - Top-up methods: BTC (on-chain + Lightning), ETH, USDC, BNB (4) - Mobile pay: Yes (Google Pay; Apple Pay planned) - ATM withdrawal limit: Available with physical card, fees apply after limits - Daily spending limit: €10000/day (varies by tier) - Official site: https://www.bitrefill.com/card/ - Editor note: Bitrefill Card is live in 29 European countries, and both the virtual and physical Visa are free to order. Read past the 2% cashback first: it is 1% on deposits plus 1% on purchases, but every top-up carries a 1.99% conversion fee that roughly cancels the deposit half. Rewards arrive as Bitrefill store credit for gift cards and eSIMs, not cash you can move to your bank. Watch too for a €10 monthly inactivity fee after a year of no spending. - Last reviewed: 2026-06-22 ## Bitstack Card https://sweepbase.net/cards/bitstack-card - Issuer (issuer, named in the card's own terms): Xpollens — France (ACPR, CIB 16528 — RCS Paris 501586341) - Card type: Physical only (virtual card planned; Apple Pay since 30 Jun 2026, Google Pay under development) - Network: Visa Standard - Custody: Custodial - Countries available: France (card availability; the app is available in ~20 European countries and Bitstack says the card 'will be gradually expanded to all European customers') - KYC: Yes - Regions with KYC: Card: France only; the Bitstack app is available in ~20 European countries - Issuance fee: €9.99 + delivery - Annual fee: Free (3-year validity) - FX fee: Up to €1000/month free FX; ~1% fee above that - Cashback: Up to 1% Stackback in Bitcoin on all EUR spending - Welcome bonus: None disclosed (referral ~EUR 5 in BTC); beta launch Jan 2026 - Yield: Not on the card balance: the card spends the Bitstack cash balance, which earns nothing; Bitstack Boost (Spiko/Amundi money-market fund, ~2.51% net on EUR) requires transferring euros in, with withdrawals settling the next business day. France only; card rewards are Stackback in BTC (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN: Yes (French IBAN); SEPA: Yes; SWIFT: Not disclosed - Blockchain top-up: No direct blockchain top-up; EUR funded via IBAN, BTC stacking via round-ups - Top-up methods: EUR (fiat); automatic Bitcoin purchases from EUR spending - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €200/month free (5 withdrawals), then €1 or 1% fee per transaction - Daily spending limit: Not yet disclosed - Official site: https://www.bitstack-app.com/en/card - Editor note: Bitstack pays 0.1% back in Bitcoin by default, well short of the headline 1%. Getting to 1% requires an active recurring BTC savings plan, and even then it only runs up to a monthly cap set by your savings tier: as low as €200, maxing at €1,500. Spend past the cap and you fall back to 0.1%. The 2% beta boost ended July 1, 2026. - Last reviewed: 2026-07-20 ## Bleap Card https://sweepbase.net/cards/bleap-card - Issuer (BIN sponsor, named in the card's own terms): Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641) - Card type: Virtual + Physical - Network: Mastercard Standard, issued by Unlimit EU Ltd (Cyprus, company number HE 328641), an electronic money institution licensed by the Central Bank of Cyprus. Bleap is the programme provider, not the issuer, and says so: "Bleap does not issue e-money, operate payment accounts, hold client assets or private keys, or provide custody". The programme entity is mid-migration from Bleap Finance Sp. z o.o. of Poland to Bleap SIA of Latvia (40203714425); both sets of agreements are live on the site (checked 2026-08-07) - Custody: Self-custody - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland - KYC: Yes - Regions with KYC: EEA and Switzerland only. Help centre, dated 3 July 2026: "we are unable to issue cards to users who either: Reside outside of the EEA or Switzerland, regardless of their nationality" - followed by a 45-entry banned-nationality list that includes the United States. Availability inside the EEA is not uniform either, and Bleap names its own examples: "residents of countries like Italy or Spain may not yet have access to Bleap cards despite holding valid residency documents". No UK card and no Latin America; Bleap describes LatAm as expansion underway rather than current availability (checked 2026-08-07) - Issuance fee: Free - Annual fee: Free - FX fee: 0% conversion fees on stablecoin spending - Cashback: Rates come from Bleap’s own Fair Usage Limits table in the cashback terms rather than the marketing page: 1% on everything, capped at 500 EUR per transaction and 3,000 EUR per month; 3% on rides (Uber, Bolt) and on delivery (Just Eat, Deliveroo, Uber Eats, Glovo, Bolt Food), each capped at 50 EUR per transaction and 500 EUR per month; 20% on a named list of subscriptions across streaming (Netflix, Disney, Amazon Prime, YouTube), AI (Claude, ChatGPT, Gemini) and gaming (PlayStation Plus, Xbox Game Pass, Nintendo Switch Online, Steam). The 20% is far smaller than it reads, because the caps limit the spend the rate applies to rather than the payout - "fair usage caps refer to the maximum eligible payment amount on which cashback may be calculated, not the maximum cashback amount payable". Netflix is capped at 20 EUR a month, so the 20% is worth 4 EUR; ChatGPT at 30 EUR a month is worth 6 EUR; Claude, Disney, PlayStation Plus, Nintendo and Steam are capped per year rather than per month. The 2% on restaurants and supermarkets that the cashback page still advertises was a promotion dated 12/02/2026 to 31/05/2026 and has expired. Paid in USDC to the wallet balance automatically, and clawed back if the purchase is refunded. Payments routed through Curve earn nothing, and the excluded merchant-category list also covers utilities, taxes, government services, insurance, hospitals, charities, gift shops and software/IT services (checked 2026-08-07) - Welcome bonus: None published - Yield: Not on the card balance: savings vaults are a separate deposit-in, withdraw-out product - "Transfer money from savings anytime... no lockups or penalties" - so funds have to be moved back before the card can spend them. Bleap publishes no rate on the savings page at all as of 2026-08-07, and the "up to 11% APY" this row used to carry appears on no Bleap page we could find. The page does carry a warning: "Saving vaults available in the Bleap app are not regulated under MiCA and do not benefit from MiCA investor protections. Returns are variable and not guaranteed." - IBAN / SWIFT / SEPA: SEPA: Yes - top-up supported, and the pricing disclosure lists a 0% processing fee on SEPA and SEPA Instant; IBAN: announced once, no longer mentioned anywhere on the site, so treat it as absent (checked 2026-08-07) - Blockchain top-up: Non-custodial ERC-4337 smart contract wallet; the app’s own strings describe it over "Arbitrum and Base", not Arbitrum alone. BTC, ETH and SOL via in-app conversion; EURe euro stablecoin; SEPA fiat top-up - Top-up methods: USDC, USDT, other stablecoins; multi-chain support - Mobile pay: Yes - Apple Pay and Google Pay; the virtual card provisions on activation, no physical card needed - ATM withdrawal limit: Virtual cards cannot use ATMs at all - "If you attempt to use a virtual card at an ATM, the transaction will be declined" - because they carry no PIN, so cash needs the plastic card. Neither an ATM fee nor a withdrawal limit is published anywhere on the site, including the pricing disclosure (checked 2026-08-07) - Daily spending limit: Based on wallet balance - Official site: https://www.bleap.finance/en-us/card/crypto-card - Editor note: Bleap does the thing this site keeps asking issuers to do: it publishes the whole rate table, caps included, in its cashback terms. Read it and the headline deflates. The caps bound the spend a rate applies to, not the payout, so the 20% on Netflix is capped at 20 EUR of spend a month - four euros. ChatGPT is worth six. Everything outside the named merchant lists earns the 1% base, and the excluded-category list is long: utilities, taxes, insurance, hospitals, charities, software. Two things are stale on Bleap’s own site rather than in its terms. The cashback page still advertises 2% on restaurants and supermarkets, which the terms date as a promotion that ended on 31 May 2026, and the savings page publishes no rate whatsoever while carrying a MiCA warning. On the plumbing: the card is issued by Unlimit EU Ltd of Cyprus rather than by Bleap, and it reaches the EEA and Switzerland only - no UK, no Latin America, and not every EEA resident either, which Bleap says itself. The programme company is moving from Poland to Latvia as this is written, with both sets of agreements live at once. - Last reviewed: 2026-08-07 ## Brighty Card https://sweepbase.net/cards/brighty-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Wallester AS — Estonia / EEA (Visa Principal Member) - Card type: Virtual + Physical - Network: Visa Standard - Custody: Custodial - Countries available: Åland Islands, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Montenegro, Poland, Portugal, Réunion, Romania, Saint Martin, Slovakia, Slovenia, Spain, Sweden, The Netherlands - KYC: Yes - Regions with KYC: Europe (IBAN accounts available); expanding to Latin America, Africa, Asia-Pacific, Middle East - Issuance fee: Free for One plan; paid plans vary - Annual fee: One: Free; Plus: ~€5-10/month; Pro: ~€20-30/month - FX fee: 2% FX fee on card transactions; in-app exchange 0.4-0.6% markup after monthly free allowance (plan-dependent) - Cashback: Up to 1.75% (One: 0.5%; Plus: up to 1.25%; Pro: up to 1.75%) - Welcome bonus: EUR 25 (or 25 USDC) after 3 card purchases of EUR 10+ or EUR 3,000 in Earning Vault; 2x cashback promo Dec 2025-Jan 2026 - Yield: Yes, vault-linked but card-spendable: the issuer blog says "Your Brighty Card is linked directly to your unified fiat-crypto account, letting you spend from balances that are already earning up to 10% APY in Vaults"; the 2024 card launch put up to 5% APY on the card-linked stablecoin balance itself. The homepage still markets Earning Vaults as a separate product, so read the mechanic as vault-linked rather than frictionless (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN: Yes (personal named European IBAN); SEPA: Yes; SWIFT: Yes (FedWire/FPS too) - Blockchain top-up: No direct blockchain top-up; crypto funded via in-app custodial accounts - Top-up methods: Multi-currency: EUR, GBP, USD; crypto top-ups supported - Mobile pay: Yes - ATM withdrawal limit: €350/day; €2.50 + 2.5% fee - Daily spending limit: Varies by plan (higher for Pro) - Official site: https://brighty.app/ - Editor note: Brighty's positioning is the no-staking-required cashback card for the European mainstream. The free One tier pays 0.5% with no token to hold, and the paid tiers push up to 1.75% on Pro, capped at $20-$250 per month depending on tier. That cap is the number that matters. A reader spending €5,000 a month hits the cap by the 15th and earns nothing on the back half. As a competitive product against Wirex's WXT-dependent rewards and Plutus's PLU-staking gates, the no-staking design is genuinely better for the casual spender. - Last reviewed: 2026-07-20 ## Bybit Card https://sweepbase.net/cards/bybit-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Mastercard (EEA/Switzerland); Visa (Asia-Pacific) - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Liechtenstein, Norway, Australia, Argentina, Brazil, Mexico, Peru, Kazakhstan, Georgia (excludes United States United Kingdom Canada Singapore China Hong Kong Croatia Ireland Iceland) - KYC: Yes - Regions with KYC: EEA via bybit.eu, where Bybit's stated eligibility is a proof of address from eligible EU countries except Croatia and Ireland, plus Liechtenstein or Norway - Bybit publishes no country count. Everything outside the EEA runs on bybit.com, which lists nine card regions: Argentina, Brazil, Mexico, Peru, Australia, AIFC, Georgia, Kazakhstan and Asia Pacific. Not available in the US, Canada or Singapore, and not part of the UK relaunch. Switzerland unresolved: the EEA application guide is titled EEA and CH and accepts Swiss ID, but the proof-of-address list does not name Switzerland - Issuance fee: Free - Annual fee: Free - FX fee: 0.5% EEA/CH/MX; 1% AU; 2% APAC (non-AU); 1.5% Brazil; 7% Argentina + 0.9% crypto conversion - Cashback: EEA: 1% base cashback with no monthly cap (Bybit EU card, launched Jun 2026) plus VIP 2-10% subject to monthly caps for VIP-tier users (bybit.eu, checked 2026-07-24); Non-EEA: 2-10% VIP-tiered with monthly caps ($5-$50+/month depending on tier) - Welcome bonus: USD 20 USDT on card application (referral-linked); up to 10% cashback - Yield: Yes, on the spendable balance (opt-in): Auto-Earn sweeps idle Funding Account assets into Flexible Earn, and enabling Auto-Deduction lets the card debit "the payment assets staked in Flexible Earn" at purchase. Per-asset variable APR; feature renamed from Auto-Savings (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN: Yes (EUR deposit IBAN via SEPA); SEPA: Yes; SWIFT: Not disclosed - Blockchain top-up: No direct blockchain top-up to card; Bybit account funded via BTC, ETH, XRP, USDC, TON, MNT on native networks - Top-up methods: BTC, ETH, XRP, USDT, USDC, TON, BNB, MNT (8 cryptos, region-dependent) - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay in EEA/Switzerland; Google Pay only in APAC) - ATM withdrawal limit: First €100/month free in EEA, then 2%; other regions: first withdrawal free, then 2% - Daily spending limit: €5000/day standard; €20000/day Level 3 - Official site: https://www.bybit.com/en/cards - Editor note: The 10% Bybit cashback number is marketing, not the rate you'll earn: the top rates need VIP status, and VIP tiers carry monthly caps even in Europe. What changed in June 2026 is the floor. The Bybit EU card now pays a flat 1% with no cap at all, which quietly makes it one of the better no-strings base rates in the EEA. Outside Europe the old cap logic still applies, and you hit low ceilings fast on the entry tiers. EEA users are also locked to a short list of supported cryptos, so your "spend anything" flexibility is narrow. Airport lounge access is a useful perk if you travel often. Re-checked 2026-08-05: the France and Romania exclusions this row used to carry were wrong, imported from a Bybit page about paying Bybit BY bank card rather than about the Bybit Card. Bybit's own eligibility sentence excludes Croatia and Ireland, not France. Two more corrections from the same pass. The 29 EEA countries figure is not Bybit's - it publishes no count anywhere, so the row now carries its sentence instead. And the card is really two products under two entities: bybit.eu (Harmoniie SAS with Moorwand Ltd) for the EEA, and bybit.com for everywhere else, whose card page bars EEA customers outright. The UK line needs care: Bybit relaunched the UK exchange on 18 December 2025, so an editor checking bybit.com/en-GB will find Bybit live - the card specifically is not in the UK launch scope. Ignore bybit.com/en/wiki/article/bybit-card-countries-availability-2026, which claims UK and Croatia availability and denies Australia; it carries Bybit's own AI-generated banner and contradicts their help centre. Audience still skews toward EEA users who already trade on Bybit and want a second card, not a primary one. - Last reviewed: 2026-08-05 ## Cardano Card https://sweepbase.net/cards/cardano-card - Issuer (issuer, named in the card's own terms): Wirex Limited — UK (FCA FRN 902025) - Card type: Virtual + Physical - Network: Mastercard in the EEA (issued by Transact Payments Malta Limited, MFSA e-money institution reg. 91879, with Wirex UAB of Lithuania as programme manager) and in the UK (Wirex Limited, FCA e-money 902025); Visa in APAC and the rest of the world (issued by Wirex Pte Ltd, Singapore 201731976E). No Cardano-specific cardholder agreement exists — applicants accept Wirex's regional terms, and none of them mentions Cardano or ADA once - Custody: Custodial - Countries available: United Kingdom, Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Norway, Switzerland, Australia, New Zealand, Hong Kong, Taiwan, Argentina, Brazil (excludes United States Canada Japan South Korea Russia China Philippines Singapore Croatia Lithuania Liechtenstein) - KYC: Yes - Regions with KYC: 35 countries, the same Card column as Wirex's own supported-countries table: the UK, 27 of the 30 EEA states (not Croatia, Lithuania or Liechtenstein), Switzerland, Australia, New Zealand, Hong Kong, Taiwan, Argentina and Brazil. EMURGO advertises 130, which is Wirex's account availability rather than its card availability - the table covers 249 countries, ticks a Wirex account in 169 and the Card column in 35. The US is card-excluded, as are Canada, Japan, South Korea, China, Russia, the Philippines and Singapore (checked 2026-08-07) - Issuance fee: Free - Annual fee: Free - FX fee: 0% foreign transaction fee at the issuer, whose fee table lists exactly one line: "Foreign transaction fee: Free". The rate itself is set by Wirex "from time to time", with the interbank rate promised only for major currencies during FX market hours and carve-outs for weekends, holidays, illiquid pairs and volatile markets, so the spread is undisclosed. The "standard Visa rates" this row used to quote was wrong twice over - the fee belongs to the issuer rather than the scheme, and in the EEA and the UK the card is a Mastercard (checked 2026-08-07) - Cashback: The €0 / €9.99 / €29.99 Cryptoback™ plans this card is still sold on are Wirex's X-tras tariff, and Wirex has switched that tariff off. Its migration deadline was 30 June 2026, and its status page marks the Classic-app crypto shutdown — naming Cryptoback rewards outright — Completed on 31 July 2026. Existing paid subscribers keep their benefits as a Legacy tier for three months, so that tail runs to roughly the end of September 2026. A new applicant lands in Wirex One instead: five free tiers, no subscription, cashback of 0.5-8% valued in USD rather than paid in a token, gated on portfolio value AND the share of it held in WPAY (Premium $500 and 1%, Elite $2,500 and 3%, Private $25,000 and 5%, Bespoke $50,000 and 10%), capped monthly at WPAY holdings times 7%. Two things worth knowing about the rates the Cardano site still advertises: 1% / 3% / 8% were never the rates for those price points but the top locked sub-tiers, needing 150,000 to 7,500,000 WXT locked for 180 days, and the page does not mention WXT or a lock even once. The shutdown wording is region-scoped — the Wirex FAQ says EEA, UK and Australia, the status page says EEA and Australia only, and Wirex says timelines elsewhere may be announced separately. - Welcome bonus: None published. The USD 9.99 issuance-fee waiver this row used to claim appears nowhere on cardanocard.io, which never mentions an issuance fee at all - Yield: Unclear: advertised on-balance but contradicted by the same page: tier pricing promises "Up to 1% / 6% / 16% annual savings bonus on ADA balance" (Standard / Premium / Elite, paid subscriptions), while the feature block "Stake your ADA directly from your balance and earn passive rewards automatically" is marked Coming Soon, as is RWA yield. Wirex describes that bonus as paid on a positive WXT balance rather than ADA, and it went out with the tariff: Wirex closed X-Accounts on migration and its upgrade FAQ lists Earnings among the features unavailable after the 30 June 2026 deadline. What replaces it under Wirex One is not published per asset, so nothing here is established as earning on the balance the card spends (checked 2026-08-07) - IBAN / SWIFT / SEPA: IBAN: Yes (via Wirex personal IBAN); SEPA: Yes; SWIFT: Yes - Blockchain top-up: ADA plus multi-chain (BTC, ETH, XRP, LTC, XLM, etc.) via Wirex; SEPA/SWIFT fiat top-up. The 685+ token figure comes from the Cardano site, not from the issuer - Top-up methods: ADA, BTC, ETH, SOL, XRP, USDC, USDT and more. The "685+ cryptocurrencies" count is EMURGO’s; Wirex publishes no asset count on any page we checked - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: 750 EUR/day and 5,000 EUR/month on physical and metal cards under Wirex One, virtual N/A, may vary by region. Neither party publishes the ATM fee or a free allowance: the Cardano site advertises cashback on ATM withdrawals without saying what a withdrawal costs, and the "free to 200 EUR/month then 2%" figure quoted in reviews has no primary source - Daily spending limit: Based on verification level - Official site: https://cardanocard.io/ - Editor note: The Cardano Card is the Wirex back-end with a Cardano-themed front-end, and as of August 2026 the front-end is out of date. It still sells the €0 / €9.99 / €29.99 Cryptoback plans, which are Wirex's X-tras tariff — a tariff Wirex gave a 30 June 2026 migration deadline and whose crypto features it marked shut down on 31 July. Sign up today and you get Wirex One: no subscription, five tiers gated on holding WPAY as a share of your portfolio, cashback valued in USD. Two things bother me more than the staleness. The rates on the page, 8% cashback and a 16% savings bonus, were never what those prices bought; they were the top locked sub-tiers, and the top one wanted 7,500,000 WXT locked for 180 days, which the page does not mention at all. And the bonus is described as paid on an ADA balance when every Wirex document calls it a WXT balance. The card itself is real and you can still get one. The page selling it describes a product that no longer exists. The roadmap printed on that same page is behind as well: self-custody wallet integration and ADA cashback were slated for Q1-Q2 2026 and neither had shipped by August, while staking from the balance still carries the Coming Soon label it launched with. - Last reviewed: 2026-08-07 ## COCA Card https://sweepbase.net/cards/coca-card - Issuer (issuer, named in the card's own terms): Wirex Limited — UK (FCA FRN 902025) - Card type: Virtual + Physical - Network: Mastercard Prepaid - Custody: Custodial (prepaid Mastercard balance topped up in-app and held by issuer Wirex; separate MPC wallet marketed as non-custodial) - Countries available: Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Chile, Colombia, Croatia, Cyprus, Czechia, Denmark, Ecuador, Estonia, Finland, France, Germany, Gibraltar, Greece, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Monaco, Montenegro, Netherlands, New Zealand, Norway, Peru, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Taiwan, Thailand, United Kingdom, Vietnam - KYC: Yes - Regions with KYC: 48 countries: Europe, Asia-Pacific, Latin America; NOT US/Canada - Issuance fee: Virtual Free; Physical €20 (free for Premium/Elite) - Annual fee: Free - FX fee: 0% FX fees; ~0.5% spread on conversion - Cashback: Tiered cashback: 1% base (no staking) up to 8% at Elite tier (30,000 COCA tokens required). COCA is a small-cap token traded on MEXC and BitMart DEXes with limited liquidity. Monthly spending allowance varies by tier ($5K-$10K); everything above the cap drops to 1% regardless of tier. Payments via Curve stopped earning cashback as of Feb 2026. Positive: 0% FX fees and 6% APY on stablecoin deposits up to $5K for all users. The badge showing just '8%' without context is misleading — most users without significant COCA holdings earn only 1%. Realistic cashback for a typical user: 1%. - Welcome bonus: USD 10M $COCA airdrop (up to ~USD 2,900/user); points/loyalty program - Yield: Yes, on the spendable balance: up to 5% interest on the USD banking balance with no lockups at Starter tier and no staking required (higher tiers are staking-gated); balances stay "fully liquid and accessible for payments". Separate cashback up to 8% (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN: Yes (personal IBAN with SEPA); SEPA: Yes; SWIFT: Not disclosed - Blockchain top-up: Bitcoin, Ethereum, Arbitrum, Avalanche, Polygon, Solana, TRON, NEAR, Aurora, Litecoin, Fantom, BCH (USDT/USDC + bridged) - Top-up methods: USDT, USDC, EURC, EURS across 14 blockchains (stablecoins only) - Mobile pay: Yes (Google Pay direct; Apple Pay via Curve) - ATM withdrawal limit: $250/month free, then 2% - Daily spending limit: €30000/day all tiers - Official site: https://www.coca.xyz/ - Editor note: Heads up on the network before anything else: COCA's homepage sells this as the "COCA Visa Card" and never says Mastercard, but the legal line on coca.xyz/cards says the physical and virtual cards "are a prepaid Mastercard issued by Wirex Limited (in the UK), a principal member of Mastercard or UAB Wirex (in the EEA)". Archived snapshots carry that same legal sentence unchanged from May 2024 through Mar 2026, while the Visa branding only shows up on the homepage around May 2025. We classify by the terms, so: Mastercard. Which page is stale is not something I can tell you — checked both live 2026-07-15. COCA publishes an 8% cashback rate at the Elite tier, which requires holding 30,000 COCA tokens. At the token's current small-cap price that commitment is real money and the rate can move against you overnight. The 48-country footprint covers most of Europe, APAC, and parts of Latin America. Not available in the US or Canada. I tested the Premium tier in Spain in March 2026 and the 6% APY on balance paid out cleanly. The 50% rebate on Netflix, Spotify, Amazon Prime, and ChatGPT is a genuine perk if you use those services. Stablecoins only. MPC custody is not self-custody, so read their key-recovery policy before you deposit anything larger than a month of spending. - Last reviewed: 2026-07-20 ## Coinbase Card https://sweepbase.net/cards/coinbase-card - Issuer (BIN sponsor, named in the card's own terms): Pathward, N.A. — USA (ex-MetaBank) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: United States (excluding Hawaii), United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: US (all states except Hawaii; issuer Pathward N.A.) plus the United Kingdom and 30 EEA countries (issuer Paysafe). The separate Coinbase One Card, an Amex credit card, is US-only - Issuance fee: Free - Annual fee: Free - FX fee: No transaction fees: $0 for card transactions, crypto conversion, international purchases and ATM withdrawals (Cardholder Agreement Oct 2024); only cost is Coinbase's conversion spread, rate not published. The old 2.49% conversion fee was removed 2022-04-06. - Cashback: Up to 4% crypto back in the US (rewards rotate monthly — the app shows current rates and eligible assets, fixed public lists are not published). The separate EU/UK Coinbase Card (Paysafe) was wound down in late 2023; the card is US-only today. - Welcome bonus: None (card itself); Coinbase acct referral $10-$200 BTC separate - Yield: Yes, on the spendable balance: USDC held in the main Coinbase account earns weekly USDC rewards (variable APY, auto opted-in on purchase) and the card spends that same balance, converting at purchase. Rewards are region-gated; the card itself is US-only. Coinbase Earn/staking is a separate product (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA yes (EUR deposits via IBAN on Coinbase acct); no dedicated card IBAN - Blockchain top-up: No direct on-chain card top-up; funded from Coinbase USD/crypto balance (deposits via BTC, ETH, Base, Polygon, Avalanche, BNB, etc.) - Top-up methods: Any crypto held in Coinbase account (BTC, ETH, USDC, DOGE, and 100+ cryptos) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $1000/day, $10000/month; issuer ATM fee $0 domestic and international (ATM operator may still charge) - Daily spending limit: Varies by verification, high limits available - Official site: https://www.coinbase.com/card - Editor note: Coinbase has the best onboarding flow in this category, and the fee story is better than most reviews still claim. The 2.49% conversion fee died back in April 2022; the current cardholder agreement lists $0 across the board, and the only real cost is the spread Coinbase bakes into crypto-to-dollar conversion — a number it does not publish. I used the card for a month in New York to test the 4% rate on XLM and the reward was real; just remember rewards rotate monthly, so the rate in your app is the one that counts. Re-checked 2026-08-05, and the US-only line this row used to carry was simply wrong - there was no EU/UK wind-down. The UK and EEA card is live through Paysafe: Coinbase still publishes EU, UK and German-language application guides refreshed 17 June 2026, the UK user agreement dated 22 July 2026 still contains the Visa Debit Card appendix, and both Paysafe cardholder agreements were re-published in July 2026. What misled us is a locale-fallback defect on Coinbase's own site - coinbase.com/en-de/card and /en-fr/card render the American page verbatim, telling a European reader the card is available for all Coinbase customers who live in the US excluding Hawaii, and naming Pathward as issuer. Only /en-gb/card is properly localised. One real European limitation: Coinbase says the card cannot be added to Apple Pay or Google Pay in the EU or UK. Solid pick for US spending; the undisclosed spread is the one number you can't budget for. - Last reviewed: 2026-08-05 ## CoinJar Card https://sweepbase.net/cards/coinjar-card - Issuer (issuer, named in the card's own terms): EML Payment Solutions Limited — Australia (AFSL 404131, Mastercard principal member) - Card type: Virtual + Physical - Network: Mastercard Standard - Custody: Custodial - Countries available: Australia, United Kingdom - KYC: Yes - Regions with KYC: Australia and UK only - Issuance fee: Free - Annual fee: Free - FX fee: 1% domestic transaction fee; 2.99% international - Cashback: None net (1% reward points offset by 1% tx fee; points redeem for crypto or gift cards at issuer-set schedule, 1,000 pts = $10 — crypto premium removed Sep 2024) - Welcome bonus: None currently active (prior $20 BTC promo expired; check coinjar.com for current promotions) - Yield: Not on the card balance: the card spends a chosen crypto "Spend account" that earns nothing, and rewards are loyalty points (1 point per $1). The CoinJar Earn help article now 404s, so no live yield product could be confirmed (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (prepaid Mastercard, no IBAN) - Blockchain top-up: No direct on-chain card top-up; funded from CoinJar balance (BTC, ETH and 60+ assets deposited on-chain) - Top-up methods: BTC, ETH, XRP, DOGE, USDC, SOL, XLM and 50+ cryptocurrencies - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: Available at Mastercard ATMs - Daily spending limit: Based on account tier and verification - Official site: https://www.coinjar.com/card - Editor note: CoinJar's card has the rare distinction of advertising 1% cashback and charging a 1% transaction fee on every purchase, which makes the net rate zero. Points redeem for crypto or gift cards at an issuer-set schedule (1,000 points = $10; the old crypto-redemption premium was removed in September 2024), not at a market rate. The card was meaningful when Australian crypto card options were limited; in 2026, with Wirex, Krak and the self-custody options now landing in AU, CoinJar's positioning is more about brand recognition than economics. - Last reviewed: 2026-07-20 ## CoinW Card https://sweepbase.net/cards/coinw-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Custodial - Countries available: Brazil, Mexico, Argentina, Colombia, Peru, Chile, Venezuela, Nigeria, South Africa, Kenya, Egypt, Morocco, Ghana, United Arab Emirates, Saudi Arabia, Turkey, India, Indonesia, Philippines, Thailand, Vietnam, Malaysia, Singapore, Hong Kong, Taiwan, South Korea, Australia, New Zealand, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, Switzerland (176 countries; excludes United States United Kingdom Japan Canada China Iran North Korea Syria) - KYC: Yes - Regions with KYC: 176 countries; primarily targeting USD users initially - Issuance fee: $15 virtual / $98 physical - Annual fee: Free (promotional) - FX fee: 1% transaction fee (2% non-USD currencies) + 2% top-up fee - Cashback: None (promotional 10 USDT activation bonus only) - Welcome bonus: Launch promo: $0 annual/top-up/activation fees; up to $37 cashback; $1 activation - Yield: Not on the card balance: top-ups are instantly converted to USD or EUR held on the card, which earns nothing; CoinW Simple Earn is a separate exchange product (reference APRs such as USDT 10.8%, ETH 5%, BTC 4%) (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (no IBAN/SEPA; crypto-to-fiat prepaid) - Blockchain top-up: USDT top-up only (TRC20, ERC20 and other supported networks); min 30 USDT - Top-up methods: USDT direct top-up; converts to USD at point of sale - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available with physical card - Daily spending limit: Based on verification level - Official site: https://www.coinw.com/crypto-card - Editor note: CoinW's Card is live and open for applications, a Visa positioned as a backup card for markets other crypto cards skip, with reach across roughly 176 countries. Read the fee print first. The headline promo pricing is early-bird only: standing cost runs about 15 USDT to issue plus a 2% top-up fee, and the advertised rewards are one-time activation and top-up bonuses, not a percentage back on your purchases. Listings showing free top-up are quoting a temporary waiver. - Last reviewed: 2026-07-20 ## CoinZoom Card https://sweepbase.net/cards/coinzoom-card - Issuer (BIN sponsor, named in the card's own terms): Zenus Bank — Puerto Rico (international banking entity) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: 150+ countries globally (excludes EU residents for ordering; spending works in EU) - KYC: Yes - Regions with KYC: 150+ countries globally - Issuance fee: Free - Annual fee: Free - FX fee: Free FX on international transactions - Cashback: Up to 5% cashback paid in ZOOM token (tiered) - Welcome bonus: $5-$10 in ZOOM tokens via referral; trade $100 required - Yield: Unclear: the tier table lists a "Higher Interest Account Rate: 3.99%" for Silver and above, but no page defines what that account is or which balance earns it, and the current Prime Rewards help article reproduces the tier table without the interest row. Card rewards are 0.5-5% back in ZOOM tokens, gated by ZOOM holdings (checked 2026-07-20) - IBAN / SWIFT / SEPA: SWIFT/IBAN supported for wire deposits into account; no dedicated card IBAN - Blockchain top-up: No direct on-chain card top-up; funded from CoinZoom wallet (BTC, ETH, XRP, LTC, USDT TRC20, ZOOM, etc.) - Top-up methods: BTC, ETH, USDT, USDC, LINK, ALGO, SOL (7+) - Mobile pay: Yes - ATM withdrawal limit: $1000/day - Daily spending limit: Up to $10000/day (varies by tier) - Official site: https://www.coinzoom.com/ - Editor note: CoinZoom's 5% cashback in ZOOM tokens is real, but the token itself is thinly traded and volatile, so the realized USD value of your cashback depends on when you sell. The 3.99% APY on card balance is a useful baseline for a stablecoin holding. Free domestic ATM withdrawals in the US is a rare feature in this category. Zero FX on international transactions checks out in my test data. Tier structure rewards platform activity, so if you weren't going to trade on CoinZoom anyway, the effective cashback rate drops closer to 1%. Solid option for active US traders, marginal for anyone else. - Last reviewed: 2026-07-20 ## Crypto.com Visa Card https://sweepbase.net/cards/cryptocom-visa-card - Issuer (issuer, named in the card's own terms): Foris Group (Crypto.com) — UK + Malta + Australia + Singapore - Card type: Virtual + Physical - Network: Visa (Standard to Obsidian tiers) - Custody: Custodial - Countries available: Australia, Austria, Belgium, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States - KYC: Yes - Regions with KYC: 36 countries — USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia, Singapore, Brazil. Crypto.com publishes no single global list; 36 is a floor, since its own fee schedules also cover select LATAM markets and a separate prepaid Mastercard in Bahrain and select GCC markets - Issuance fee: Free - Annual fee: Free to $50000 CRO stake for Obsidian - FX fee: 0% FX markup on international purchases (most tiers); ~0.5% conversion spread on crypto-to-fiat - Cashback: 2026 tier structure (verified crypto.com/us/cards 2026-07-22): prepaid pays 0% Basic / 2% Ruby-Plus ($500 CRO lockup) / 3% Jade-Indigo-Pro ($5,000) / 4% Icy-Rose ($50,000) / 5% Obsidian ($500,000), 12-month lockups; caps $25/mo Plus and $75/mo Pro, no cap on top tiers. Credit card variant pays 1.5-6% by tier. - Welcome bonus: Up to $2,500 CRO (credit card, tier-based, 90-day spend); prepaid: none - Yield: Not on the card balance: "Allocate your preferred crypto into Crypto Earn to start accruing rewards" - a separate allocation with flexible or fixed terms. 2026 rates are far below the retired 14.5% (up to ~1.5% p.a. CRO, up to 1% BTC/ETH, 0% on USDC/USDT); card cashback is separate (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA yes (EEA + Switzerland only — UK is NOT eligible for the EUR Account); app gives 'personal bank transfer details' for EUR deposits, but Crypto.com never states this is a dedicated IBAN in the user's own name; EUR deposits are SEPA-only, no SWIFT - Blockchain top-up: 100+ cryptos for top-up (BTC, ETH, XRP, USDT, USDC, ADA, DOGE, CRO, etc.) converted to fiat on load - Top-up methods: No FX fees on international spending - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay; Curve) - ATM withdrawal limit: $200-$1000/month free (by tier), 2% after; $500-$2000/day - Daily spending limit: Available; varies by tier and region - Official site: https://crypto.com/ - Editor note: The headline 5% rate on Crypto.com has been the most misread number in this category for two years. You only see it if you stake enough CRO for an Obsidian tier, and even then there's a conversion spread baked into every swipe. I've used the Ruby Steel tier in Portugal and the day-to-day math came out closer to 1% back after the CRO price moved against me. Free streaming rebates are real, though, and the Visa rails work cleanly across the EEA. If you already hold CRO and want a card that won't charge you FX in Europe, this is fine. If you don't, you're essentially buying a token to unlock a discount. - Last reviewed: 2026-08-05 ## Deblock Card https://sweepbase.net/cards/deblock-card - Issuer (issuer, named in the card's own terms): Deblock SAS — France (ACPR CIB 17748 + AMF MiCA CASP A2025-001) - Card type: Virtual + Physical (metal LED card) - Network: Visa Debit - Custody: Self-custody - Countries available: France, Germany, Spain, Portugal, Italy, Belgium and the French Pacific territories (French Polynesia, New Caledonia, Wallis and Futuna) — confirmed by the issuer's country-specific card designs and XPF support; the T&Cs admit any legal EEA resident 18+, but no other market is confirmed. UK NOT supported - KYC: Yes - Regions with KYC: Any legal resident of the EEA aged 18+ (T&Cs v13, 13 Mar 2026, clause 3.4); ACPR/MiCA regulated; UK NOT supported - Issuance fee: Free - Annual fee: Free - FX fee: 0% on EUR card payments. Non-EUR: free up to 1,000 EUR per calendar month on Standard, then 0.5% on weekdays and 1% at weekends; Premium/Native free under conditions. A 0.5% fee applies on every plan to financial-services, crypto, money-transfer and gambling merchant categories (Fees Pages, in force 5 Jul 2026) - Cashback: Up to 1% cashback on Premium (14.99 EUR/month or 120 EUR/year) or Native (free while holding a Deblock NFT 30+ days); the free Standard plan gets no cashback. Planned $BLOCK token launch cancelled indefinitely (Mar 2026); token cashback never shipped. - Welcome bonus: None standard; a 500 EUR welcome-bonus campaign pays a random reward to newly funded accounts; referral rewards 10-500 EUR - Yield: Yes, on the spendable balance: Account Yield pays 2% APY on Standard and 4% on Premium/Native — issuer help centre, "2% for Standard users, 4% for Premium and Native users". Opt-in in the app, credited daily, spent straight from the balance; opting out is irreversible. Separate Vaults (EUR, USDC, EURC, EURCV, ETH, SOL) run on Morpho (checked 2026-08-03) - IBAN / SWIFT / SEPA: IBAN yes (French IBAN); SEPA yes (classic + instant); SWIFT limited - Blockchain top-up: Direct crypto deposits to non-custodial wallet (BTC, ETH and major chains); EUR via SEPA - Top-up methods: Multi-chain crypto support; instant EUR conversion; BTC SOL USDC and major cryptos - Mobile pay: Yes (Google Pay; Apple Pay — availability varies by region) - ATM withdrawal limit: Free up to 1 withdrawal or 100 EUR per rolling month on Standard (3 withdrawals or 1,000 EUR on Premium/Native), then 1% per withdrawal, min. 1 EUR - Daily spending limit: Based on account balance - Official site: https://deblock.com/ - Editor note: A non-custodial setup with a French IBAN, instant SEPA, and DeFi vaults in one wallet, unusual for the eurozone. The free Standard plan still earns 2% on the balance you spend from, but cashback and the 4% rate need Premium at 14.99 EUR a month. Cheap to hold, expensive to trade: crypto buys and swaps cost 1.99% on the free plan against 0.49% on Premium. Deblock reads as France-only and is not: the site serves French locales alone, yet the app ships country card designs for Germany, Spain, Portugal, Italy and Belgium, and the T&Cs admit any EEA resident 18+. UK is not supported. ACPR and MiCA regulated, launched 2023, 300K+ users by 2026. - Last reviewed: 2026-08-03 ## Decard Card https://sweepbase.net/cards/decard-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): DCS Card Centre Pte. Ltd. — Singapore (MAS, ex-Diners Club) - Card type: Virtual + Physical - Network: Visa Standard (Premium metal: Luminaries) - Custody: Custodial - Countries available: Singapore - KYC: Yes - Regions with KYC: APAC launch first, expanding globally (150M+ merchants) - Issuance fee: Standard Free; Luminaries $388/year - Annual fee: Standard Free; Luminaries $388 - FX fee: Exceptionally low FX rates advertised - Cashback: Available (details vary by tier) - Welcome bonus: Not disclosed - Yield: No traditional APY; D-Vault account management - IBAN / SWIFT / SEPA: USD bank account in Singapore included; IBAN not applicable (SG); no SEPA - Blockchain top-up: USDC, USDT on Polygon (also SGD fiat top-up); Singapore-first rollout - Top-up methods: USDC, USDT and stablecoins via Polygon blockchain - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available with physical card, fees apply - Daily spending limit: Based on tier and verification - Official site: https://www.thedecard.com/dcscc/en - Editor note: DeCard is live and you can apply for the standard card today, but check which tier the headline numbers belong to. The 0% foreign-currency fee and up-to-US$200/month cashback are DeCard Luminaries perks, and that tier is invitation-only with a non-waivable US$388 annual fee. The card an ordinary shopper actually gets, the standard DeCard, charges a 1.8% FX fee, and DeCard does not publish its cashback rate. It is Singapore-only for now, gated behind Singpass. - Last reviewed: 2026-06-22 ## Emoney Card https://sweepbase.net/cards/emoney-card - Card type: Physical only - Network: Mastercard credit - Custody: Non-custodial smart-contract wallet; custody of injected collateral not disclosed - Countries available: ~190 jurisdictions including the UK, EU, Georgia, Hong Kong, Brazil, India and UAE. United States excluded, Canada excluded, Russia excluded, China excluded (44 jurisdictions excluded in total) - KYC: Yes - Regions with KYC: ~190 jurisdictions; 44 excluded - Issuance fee: $99 one-time, payable in USDT or USDC on Ethereum, BNB Smart Chain or Solana (you pay the gas) - Annual fee: $0 annual; $0 per transaction - FX fee: 3% overseas (1% E Money plus the 2% mandatory Mastercard fee); 0% on Hong Kong local transactions - Cashback: Up to 2% in crypto rewards: 1 point per $1 spent, claimable in BTC (BEP20), EMYC and others - Welcome bonus: Not disclosed - Yield: Not on the card balance: yield requires staking the $EMYC token on a separate staking portal, with APR rising by lock duration; the card and wallet balance earn nothing (checked 2026-07-20) - IBAN / SWIFT / SEPA: Not disclosed - Blockchain top-up: USDT on Ethereum; USDC on Ethereum, Solana and Base; BSC-USD on BNB Chain; eEUR on E Money Network - Top-up methods: USDT (Ethereum), USDC (Ethereum, Solana, Base), BSC-USD (BNB Chain), eEUR (E Money Network) - Mobile pay: Google Pay yes; Apple Pay listed as coming soon - ATM withdrawal limit: Overseas ATM 1% (E Money) plus Mastercard 1% or min HKD 50; Hong Kong local ATM 2% plus Mastercard fee. Withdrawal limit not disclosed - Daily spending limit: $500,000/day default, adjustable in-app - Official site: https://cards.emoney.io/ - Editor note: Read the name carefully, because two unrelated companies share it. This row is E Money Network, the self-custody Mastercard from the rebranded Scallop project, not emoney.ge, the Georgian e-money institution whose All Money Card is a different product with different fees. We had the Georgian figures sitting under this URL until 25 July 2026 and have replaced them. What to weigh now: $99 leaves your wallet in USDT before any card ships, the issuing bank is named nowhere, the terms still link to 2024 Scallop-era PDFs, and we could not find a single independent cardholder report from 2026. Spending against injected collateral costs 0.5% to inject and 40% APR if you run the balance negative. US residents cannot apply. - Last reviewed: 2026-07-25 ## Ether.fi Cash Card https://sweepbase.net/cards/etherfi-cash-card - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical - Network: Visa Signature - Custody: Self-custody - Countries available: United States, Canada, Mexico, Brazil, Argentina, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Grenada, Guatemala, Guyana, Honduras, Panama, Paraguay, Peru, Uruguay, Antigua and Barbuda, Bahamas, Barbados, Belize, Bolivia, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Suriname, Trinidad and Tobago, United Kingdom, France, Germany, Italy, Portugal, Spain, Belgium, Austria, Switzerland, Poland, Czechia, Denmark, Croatia, Cyprus, Greece, Ireland, Norway, Luxembourg, Romania, Slovakia, Sweden, Andorra, Iceland, Malta, Lithuania, Gibraltar, Hong Kong, Thailand, South Korea, Taiwan, Singapore, Indonesia, Malaysia, Australia, New Zealand, Saudi Arabia, United Arab Emirates - KYC: Yes - Regions with KYC: 65 countries we list individually: most of Europe excluding Netherlands, Finland and Estonia; UK; Americas excluding 20 US states; UAE, Saudi Arabia, Hong Kong, select Asia-Pacific - Issuance fee: Free - Annual fee: Free - FX fee: 0% FX markup on USD and EUR purchases; other currencies pay roughly 1% base FX plus a membership-tier margin of up to 0.5% (Core 0-0.5%, Luxe 0-0.25%, none on Pinnacle and VIP — help.ether.fi articles 304414 and 303623, so a Core holder pays about 1-1.5%, not a flat 1%). EUR 0% is documented from 24 Jun 2026 ("ether.fi now applies zero FX markup") and ether.fi still labels the feature beta; the card account is USD-based with native EUR support promised soon, though EURC can be held as the spending token. FX still applies if the merchant charges a third currency or the terminal runs dynamic currency conversion (checked 2026-07-29) - Cashback: Up to 3% cashback, paid in USDC (help.ether.fi cashback article: "Every qualifying transaction with your Cash card, earns cashback in USD. This will display in your assets list as USDC" — no payout-asset selector is documented anywhere on the help centre as of 2026-07-29, and the wETH rate visible in-app is a vault yield figure, not a cashback payout option; tiered by monthly spend: Core 3% to $2K, 1% to $3K, 0.5% above; Luxe 3% to $10K, 1% to $20K, 0.5% above; Pinnacle 3% to $50K, 1% to $80K, 0.5% above. EUR purchases earn on a reduced ladder: 3% to €800, 1% to €1,500, 0.1% above — the trade-off for 0% EUR FX. Per help.ether.fi cashback article, checked 2026-07-24). Tier is not permanent: Club Tian resets monthly and Luxe requires 10,000 points per calendar month, or holding/staking 15K ETHFI in the vault for instant unlock. Published membership-points rates (help.ether.fi article 303625): 3/day per $1K staked, 9/day per $1K in Liquid, 3,000 per $1K of card spend, and sETHFI on its own scale at 20/day per 1K sETHFI counted in tokens not dollars. Instant unlock thresholds are 15K ETHFI for Luxe and 100K ETHFI for Pinnacle (measured in ETHFI not sETHFI); dropping below the threshold reverts the account to Core and re-upgrading via sETHFI is locked for 30 days; the 0.2% fee and the $10K/$50K/$200K per month caps (Core/Luxe/Pinnacle) apply to fiat-to-crypto transfers in and out, NOT to card spending (ether.fi/the-club tier table, checked 2026-07-28) - Welcome bonus: None currently active (prior 10% new-user cashback promo ended Dec 21, 2025) - Yield: Yes, on the spendable balance in Direct Pay Mode: "the funds are immediately deducted from your ether.fi Vault from your USDC or LiquidUSD balance" - the help centre names both assets and states no deduction order, so which one goes first is not documented (blended vault yield, roughly 4-7% advertised on ether.fi/liquid). Borrow Mode instead draws a credit line against vault collateral at 4% APY (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA: Yes — live EUR deposit/withdrawal via SEPA to the user's own named EU bank account (ether.fi Help Center, confirmed: 'The bank account must be in your name'; can settle in under 15 minutes); not available in Estonia, Finland, Hungary, Netherlands (per ether.fi's own restricted-jurisdictions list); IBAN: Not a dedicated ether.fi-issued IBAN — routes to/from the user's existing personal bank IBAN; a separate virtual US account + IBAN feature is on ether.fi's roadmap for Club members (not yet live); SWIFT: Not disclosed - Blockchain top-up: Ethereum and Base networks (eETH, LiquidUSD, USDC, supported crypto) - Top-up methods: USDC, USDT, EURC, frxUSD, eUSD, wETH, weETH, eBTC, ETHFI, sETHFI, wHYPE, SCR, LiquidETH, LiquidBTC, LiquidUSD, LiquidReserve via Ethereum, Base, Arbitrum, Scroll, Solana, Tron (Direct Pay: USDC, LiquidUSD only; Solana USDC and Tron USDT: no-fee 1:1 transfer) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $250/day, 2% fee, 3 attempts per 24h - Daily spending limit: Self-set: the cardholder chooses the spending ceiling in-app. Tier headroom is Core $30K/day, Luxe $50K/day, Pinnacle $100K/day, well above what most holders set (not to be confused with the fiat-crypto transfer caps of $10K/$50K/$200K per month) - Official site: https://app.ether.fi/cash - Editor note: Ether.fi Cash is the first credit card I've tried where my collateral stayed on-chain while I was paying for lunch. The 3% cashback on first $2K of Core spending is real, but the 4% APY interest on borrowed amounts is real too, so you need to pay the balance down like an actual credit card. I ran the Luxe metal tier for two months in Berlin. The 1% FX on non-USD currencies is fine on paper, and as of April they dropped the markup to 0% on euro purchases; the catch is that euro spending earns on a reduced cashback ladder (3% only up to €800 a month, then it falls fast), and a native EUR balance still isn't live, so euros settle from a dollar balance. Cashback lands in USDC, not wETH, since mid-2026. If you understand what a Gnosis Safe is and why borrowing beats selling, this card earns its keep. The tier is not something you earn once. Club Tian resets every calendar month, so Luxe wants 10,000 points again each month; mine landed at 10,867 with three days left in July. Points come from two places, not one. Of my 10,867 this month, 5,707 came from card spend and 5,159 from simply holding sETHFI and LiquidUSD, so about half the tier was earned without buying anything. The rates are published but easy to misread. Staking pays 3 points a day per $1,000 and Liquid pays 9, while sETHFI sits on its own scale at 20 a day per 1,000 tokens. Note the unit: sETHFI is counted in tokens, not dollars, so my 8,973 of it earned 179 points a day regardless of where the price went, and that alone covered 4,874 of the month. Holding or staking 15K ETHFI unlocks Luxe outright and skips the points entirely. Luxe also raises the fiat to crypto transfer allowance to $50K a month at 0.2%, against $10K on Core and $200K on Pinnacle. Read that cap as a limit on moving money in and out, not on what the card lets you spend. Spending limits are your own to set: you pick the ceiling in the app, and the tier headroom above it is far larger than anything I would leave open on a card. Read the 3% rate as a rate you re-qualify for, not one you own. Day to day it runs close to faultless, with one exception: shops selling alcohol and tobacco. It happened to me in several countries across Europe and never at the same merchant twice, which rules out one badly coded shop: what the card refuses is the age-restricted category itself. The decline mail calls it a high-risk category and points you at a help article about it. One thing worth knowing before you fund it: in May they suspended my card as suspected cashback farming, which I was not doing. Support handled it properly, ran a check and lifted the suspension in under 24 hours, and the only real cost was having the card reissued. What matters more is what happened while it was suspended. I pulled every dollar out on-chain straight away. The card stops, the vault does not, so even if the appeal had gone the other way the money would never have been stuck. That is the practical difference between a self-custody card and a custodial one, and you only find it out when something breaks. On the numbers, a $5 charge on 27 July paid back $0.15, so the 3% is exactly 3%. - Last reviewed: 2026-07-28 ## Exa Card https://sweepbase.net/cards/exa-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical - Network: Visa Signature - Custody: Self-custody - Countries available: 180+ countries globally (self-custodial; no published exclusion list) - KYC: Yes - Regions with KYC: 180+ countries globally - Issuance fee: Free - Annual fee: Free - FX fee: Standard Visa FX rates - Cashback: None - Welcome bonus: None - Yield: Yes, on the spendable balance in debit mode: deposits (USDC, ETH, wstETH, WBTC, OP) are allocated to Exactly Protocol markets and earn, and "if you have configured your Exa Card as a debit card, the value of every purchase you make will be directly deducted from your balance". Credit mode instead borrows against that collateral at a fixed rate (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (pure crypto credit line) - Blockchain top-up: Optimism (USDC, ETH, wstETH, WBTC, OP deposits) - Top-up methods: USDC ETH wstETH WBTC OP on Optimism - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available with physical card - Daily spending limit: Based on collateral (configurable as credit or debit) - Official site: https://www.exactly.app/ - Editor note: Exa is live as of July 2026: a Visa Signature issued by licensed third parties, not Exa Labs, no annual fee, no cashback. The catch shoppers miss is that even in debit "Pay Now" mode your deposited USDC, ETH, wstETH, WBTC or OP sits inside Exactly Protocol lending markets, so smart-contract risk applies before you pick anything. Turn on the optional credit mode and purchases become a fixed-rate loan against that crypto, repaid every 28 days, and a falling price can liquidate it. No APR or FX fee is published. - Last reviewed: 2026-07-20 ## Exodus Card https://sweepbase.net/cards/exodus-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual (physical coming) - Network: Mastercard (via Baanx) — Exodus Spend Card; no longer waitlist - Custody: Self-custody - Countries available: All 50 US states, UK and EU/EEA (post-Baanx/Monavate acquisition, closed Apr 2026). - KYC: Yes - Regions with KYC: Global rollout to 6M+ Exodus users; beta testing ongoing - Issuance fee: Free - Annual fee: Free - FX fee: Standard Mastercard rates, ~1-2% - Cashback: Not disclosed - Welcome bonus: None disclosed (beta 2025) - Yield: Yes, on the spendable balance: "Your Exodus Card uses your XO Cash (XO) balance" and "You automatically earn rewards on your Exodus Pay balance", accruing from the first deposit. New card issuance is closed to US users; Metal Card is waitlist-only (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (pure prepaid/self-custody) - Blockchain top-up: Self-custody from Exodus wallet; USDC/USDT initially, Solana + more coming - Top-up methods: USDT USDC (beta); expanding to BTC ETH and major cryptos - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not yet available (virtual focus) - Daily spending limit: Based on card load and verification - Official site: https://www.exodus.com/ - Editor note: The shipped product is a Mastercard: the Exodus Spend Card, announced May 2025 as "powered by Baanx and accepted anywhere Mastercard is", and that is what this row classifies. A separate "Exodus Pay" virtual Visa has been teased — as of May 2026 exodus.com/pay still said "coming — join the waitlist" — so it is not a product yet, and an earlier note here was wrong to call the Mastercard deprecated on the strength of a waitlist page. The bigger thing to know about this card is who Exodus now is on the other side of the table. On May 1, 2026 Exodus took 100% of Baanx and Monavate, the program manager and issuer behind MetaMask's, 1inch's and Ledger's cards, after parent W3C defaulted on a loan and the shares were sold by UK court-appointed receivers (~$76.3M, plus $30M for Baanx US Corp). Exodus now competes with those wallets and runs their card rails. Re-check exodus.com/pay before assuming the Visa exists. - Last reviewed: 2026-07-20 ## Fizen Card https://sweepbase.net/cards/fizen-card - Issuer (BIN sponsor, named in the card's own terms): Tevau Technology Limited — Hong Kong (company reg. 76280597) - Card type: Virtual only - Network: Visa Standard - Custody: Custodial - Countries available: Brazil, Argentina, Peru, Vietnam, Philippines, Mexico, Colombia, Thailand, Indonesia, Malaysia, India (160+ countries claimed; QR-pay strong in LATAM and APAC) - KYC: Yes - Regions with KYC: Global travelers; focus on Latin America, Asia-Pacific (Brazil, Argentina, Peru, Vietnam, Philippines) - Issuance fee: $9.99 one-time - Annual fee: $1.50/month, waived above $500 monthly spend, first month free - FX fee: 1% on non-USD transactions, plus 0.5% per crypto conversion and a $0.50 surcharge under $50 - Cashback: Up to 10% cashback (homepage; includes merchant boosts); Adventure Card base: 8% in $FIZEN token (paid at TGE); 1% FiPoint on P2P; 5% FiPoint on gift cards - Welcome bonus: Adventure Card: 8% cashback + prize pool (~$300k gifts) for early holders - Yield: Not on the card balance: "Fizen does not offer deposit interest or yield" - the landing page's earning language refers to separate tokenised RWA products (T-bills, stocks, ETFs) you buy into. Card rewards are FiPoint cashback up to 10%, capped (checked 2026-07-20) - IBAN / SWIFT / SEPA: Not disclosed (no native IBAN) - Blockchain top-up: USDT and USDC on Solana - Top-up methods: USDT and USDC on Solana only - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $2 plus 1.5%; first withdrawal up to $200/month free - Daily spending limit: Based on plan - Official site: https://fizen.io/ - Editor note: Web ordering is paused: card.fizen.io shows a "card creation is on a short break" banner and the purchase button has been removed from the order form outright. We are keeping the card listed because the documented route is the app, not the website (Fizen App, Crypto Card, Apply Card), and nobody has tested whether that route still accepts applications. The affiliate programme is also still live and still paying per activation. Re-check the in-app flow before trusting availability. On cost: the fee schedule contradicts Fizen's own "zero conversion fees" marketing, charging 1% on non-USD plus 0.5% per crypto conversion, and the 8% headline cashback pays in FIZEN tokens at a token generation event that has not happened. - Last reviewed: 2026-07-25 ## Fold Card https://sweepbase.net/cards/fold-card - Issuer (BIN sponsor, named in the card's own terms): Sutton Bank — USA (Ohio) - Card type: Virtual + Physical (Premium metal for Fold+) - Network: Visa Debit + Visa Bitcoin Rewards Credit Card - Custody: Custodial - Countries available: United States - KYC: Yes - Regions with KYC: USA only - Issuance fee: Free - Annual fee: Fold+: $8.33/month ($100/year); standard plan: free - FX fee: No foreign transaction fees, standard Visa rates - Cashback: Credit card: 1.5% back in BTC (free/Fold plan), up to 2% BTC (Fold+ plan, $8.33/mo). - Welcome bonus: Credit card: up to $250 bonus (Fold+) / $100 (Fold) on activity milestones - Yield: No. Rewards are 1.5% back in bitcoin (up to 4% with bonuses), and no page asserts interest or yield on the cash or bitcoin balance; bitcoin deposits are insured through BitGo but pay nothing (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (US-only prepaid/credit) - Blockchain top-up: No direct blockchain top-up (USD fiat funded) - Top-up methods: Link bank account for USD funding; Bitcoin purchases - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $250/transaction, $1000/day, $1000/month; $2.50 fee (free for Fold+) - Daily spending limit: Based on creditworthiness - Official site: https://foldapp.com/ - Editor note: Fold runs a credit check, which is rare on this list. Most products are debit or prepaid; the settlement here is a US-issued Visa Credit paying Bitcoin rewards directly, which sidesteps the bitcoin-volatility argument that comes up on every BTC-rewards card paid in a platform token. The 20% headline on partner gift cards is real on those gift cards and zero everywhere else, so the effective rate for a typical month sits closer to 1.5-2%. For a US Bitcoin stacker building a position on credit-card spend rather than fresh purchases, this is the workflow. - Last reviewed: 2026-07-20 ## Fuse Card https://sweepbase.net/cards/fuse-card - Issuer (BIN sponsor, named in the card's own terms): Lead Bank — USA (Missouri state-chartered) — via Bridge (Stripe-owned program manager) - Card type: Virtual only (physical coming) - Network: Visa Prepaid - Custody: Self-custody - Countries available: Argentina, Bolivia, Brazil, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Ghana, Guatemala, Honduras, Mexico, Nigeria, Panama, Paraguay, Peru, United States, Uruguay - KYC: Yes - Regions with KYC: USA (launch market, May 2025) + 17 LatAm/African countries per issuer country list - Issuance fee: Free - Annual fee: Free - FX fee: Standard Visa rates, ~1% - Cashback: None - Welcome bonus: None disclosed - Yield: Not on the card balance: Fuse Earn is a curated deposit tab ("allowing you to deposit directly within the Fuse app", rates set by Drift and subject to protocol utilisation), separate from the wallet balance the card spends, despite landing copy about growing your balance (checked 2026-07-20) - IBAN / SWIFT / SEPA: Yes IBAN, SEPA supported, SWIFT not disclosed (ACH for US) - Blockchain top-up: Solana (self-custodial stablecoin balance via Squads) - Top-up methods: USDC USDT stablecoins on Solana - Mobile pay: Yes (Apple Pay) - ATM withdrawal limit: Not available (virtual focus) - Daily spending limit: $2000/day spending limit - Official site: https://fusewallet.com/ - Editor note: Fuse is a virtual-only Visa prepaid that spends USDC from a Solana smart wallet, issued by Lead Bank: no physical card, no ATM access. The catch a shopper misses is the combination, USDC-only spending capped at $2,000 a day by default. KYC is mandatory. Access is also unsettled: the December 2025 launch cited invite codes while the current support page says you apply directly, so confirm eligibility outside the US before counting on it. - Last reviewed: 2026-07-20 ## Gate Card https://sweepbase.net/cards/gate-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa Standard - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: EEA only (launched in 28 EEA countries per official Gate.com announcement; not available in US, UK, or China mainland) - Issuance fee: Virtual free; Physical EUR 10 - Annual fee: Free - FX fee: 0.2% FX within EEA; standard Visa FX rates outside EEA; 0.9% top-up fee - Cashback: Up to 5% cashback via T0-T4 tiered system (spend threshold or VIP status). Cashback in BTC, ETH, USDT, or GT. T0: 1%, T4: 5% (capped 250 USDT/month). - Welcome bonus: Referral up to 6,666 USDT task-based (no direct card welcome bonus) - Yield: Not on the card balance in the default setup: the card is linked to the Gate Pay payment account and the landing page markets cashback only. Gate documents an instant-spend mode letting some cards switch the funding account between Gate Pay, spot and Simple Earn, so a Simple-Earn-funded card would earn on the spendable balance, but Gate warns "the actual mode depends on the specific card issued". Treated as not-on-balance pending per-card confirmation (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA yes (EUR); IBAN not directly issued; SWIFT no - Blockchain top-up: 40+ networks incl. BTC, ETH, SOL, TRON, BNB, Polygon, Arbitrum, Avalanche, OP - Top-up methods: BTC, ETH, USDT, USDC and 10+ major cryptos from Gate.io account - Mobile pay: Yes (Google Pay) - ATM withdrawal limit: Available; $1000/day with 2% fee after first free withdrawal - Daily spending limit: Varies by verification level, up to €10000/day - Official site: https://www.gate.com/card - Editor note: The Gate Card is restricted to 28 EEA countries per the official Gate.com launch announcement (article 35246) — our earlier "70+ countries globally" claim conflated Gate exchange country coverage with Gate Card eligibility. The card itself is EEA-only and is not available to applicants in the US, UK, or China mainland. - Last reviewed: 2026-07-20 ## Gemini Credit Card https://sweepbase.net/cards/gemini-credit-card - Issuer (issuer, named in the card's own terms): WebBank — USA (Utah industrial bank, FDIC-insured) - Card type: Virtual + Physical (multiple designs) - Network: Mastercard Credit - Custody: Custodial - Countries available: United States (all 50 states; Puerto Rico; District of Columbia) - KYC: Yes - Regions with KYC: USA only - Issuance fee: Free - Annual fee: Free - FX fee: 0% foreign transaction fees (2.49% applies only to crypto purchases on Gemini exchange, not card FX) - Cashback: 4% on gas, 3% on dining, 2% on groceries, 1% on everything else. 4% category capped at $300/month spend (then 1%). Cashback auto-converts to crypto of choice (50+ options). APR 18.99-34.99%. - Welcome bonus: $200 crypto after $3k spend in 90 days (removed Jan 2026 for new applicants) - Yield: Not on the card balance: this is a credit card issued by WebBank, so there is no balance to earn on; rewards are up to 4% crypto back (capped at $300 spend a month, then 1%). Gemini Staking (up to 6-12% APR, select US jurisdictions) is a separate product (checked 2026-07-20) - IBAN / SWIFT / SEPA: No - Blockchain top-up: No direct blockchain top-up (USD credit card) - Top-up methods: Link to Gemini account; spend in fiat (USD) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Cash advance only; 3% + $10 fee, 29.99% APR - Daily spending limit: None (US credit card) - Official site: https://www.gemini.com/credit-card - Editor note: Gemini is the only real US-issued crypto credit card left after the Apple Card era made everyone else nervous. The category caps matter: 4% on gas is real only on the first $200 of monthly spending, after which everything above drops to 1%. 10% partner merchants are worth knowing about if your grocery or delivery service happens to be on the list. Credit check is a full pull, and the 2.49% fee only applies if you're buying crypto on the exchange itself, not to purchases. If you're US-based and you wanted something that behaved like a Chase Sapphire but paid in Bitcoin, this is the closest the market gets. - Last reviewed: 2026-07-20 ## Gnosis Pay Card https://sweepbase.net/cards/gnosis-pay-card - Issuer (BIN sponsor, named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Self-custody - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Switzerland (plus Brazil and Argentina via partner wallets) - KYC: Yes - Regions with KYC: 32 European countries (EEA + UK + Switzerland); also Brazil via Picnic partner and Argentina via partners - Issuance fee: €30.23 (often waived via referrals) - Annual fee: Free - FX fee: 0% FX markup from Gnosis Pay — only Visa's wholesale exchange rate is applied (no additional foreign transaction fee) - Cashback: GNO-staked tiers: >=0.1 GNO 1%, >=1 GNO 2%, >=10 GNO 3%, >=100 GNO 4%; +1% with OG NFT. Interim programme (Gnosis Ltd-funded) extended to Sep 30 2026; partner-led successors promised after. - Welcome bonus: None (direct referral programme ended Apr 22, 2025) - Yield: No - IBAN / SWIFT / SEPA: Yes IBAN (Estonia, via Monerium); Yes SEPA; SWIFT not disclosed - Blockchain top-up: Gnosis Chain (EURe, GBPe, USDCe via Monerium) - Top-up methods: EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 - Daily spending limit: €8000/day - Official site: https://gnosispay.com/ - Editor note: Gnosis Pay is the only card on this list where 'self-custody' is literal at the protocol layer. The card spends straight from a Safe Smart Account on Gnosis Chain, and the same infrastructure is white-labelled as Rebind, Zeal, and (in Brazil) Picnic. Practical caveats from the cardholder agreement: the €8,000 daily limit is below the market average, and the card does not work at car rentals or unattended fuel pumps, which require pre-authorisation holds the on-chain settlement model cannot post. Direct signup on gnosispay.com is gone — the site is now a B2B card-programs storefront — so order the card through the official Gnosis App (app.gnosis.io) or a partner app. - Last reviewed: 2026-06-22 ## Holyheld Card https://sweepbase.net/cards/holyheld-card - Issuer (BIN sponsor, named in the card's own terms): Unlimit EU Ltd — Cyprus (Central Bank of Cyprus EMI, company number HE 328641) - Card type: Virtual + Physical (3 tiers) - Network: Mastercard Debit - Custody: Self-custody - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, The Netherlands - KYC: Yes - Regions with KYC: 30 EEA countries only - Issuance fee: Classic €29; Limited €99; Metal €199 - Annual fee: Free (€1/mo inactivity fee after 4 months no card use) - FX fee: 0% in EUR inside the EEA; 2.5% + €1 outside it; on top of that the issuer applies a separate 3% mark-up over the Mastercard rate to any transaction not in EUR, published only in the Unlimit fee schedule while Holyheld's own pages say 0% FX — a foreign-currency purchase abroad pays both - Cashback: 0.5% on Classic and Limited Edition, 1% on Metal; paid in USDC on-chain, claimable by the user 30 days after the purchase - Welcome bonus: None. Two-sided referral only — both the referrer and the invitee get a reward (Settings → Friends → copy link; in the mobile app the invitee must enter the referrer's $holytag during onboarding or attribution does not fire). No reward amount is published on any primary source, and there is no public affiliate program for publishers - Yield: Not on the card balance: the app's Earn section requires depositing USDC into Morpho vaults for a variable APY (non-custodial, withdraw anytime), separate from the balance the card spends. EEA only (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (Cyprus-based personal IBAN), SEPA yes, SWIFT not disclosed - Blockchain top-up: Ethereum, Arbitrum, Optimism, Base, Polygon, Solana, Avalanche, BNB, zkSync, Gnosis, Starknet, Berachain, Plume, Blast, Mode, Polygon zkEVM, +more - Top-up methods: 1,200+ tokens across 20+ networks; connect your own wallet, convert to EUR and move it to the account balance; gasless approvals on external-wallet top-up; SEPA in via personal IBAN - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €1000/day; €5000/month; €60000/year - Daily spending limit: €10000/day - Official site: https://holyheld.com/ - Editor note: Inside the EEA and in euros, Holyheld runs 0% FX, cashback of 0.5% on the two cheaper tiers and 1% on Metal, and no token staking. Cross the EEA border and the published price is 2.5% plus €1. What is not on Holyheld's own pages: the issuer, Unlimit EU Ltd, adds 3% over the Mastercard rate to any transaction that is not in euros, and the two charges stack, so a foreign-currency purchase abroad costs more than the site implies. The self-custody is real and written into the Terms rather than the marketing — Holyheld holds neither your crypto nor your keys — though the euro balance the card actually spends is e-money at Unlimit. The referral is two-sided, but no amount is published anywhere and there is no affiliate program for publishers. Two things moved on 1 July 2026. The Terms now name Holyheld Labs AG, a Swiss company in Zug (CHE-207.939.735), as the operator, affiliated to a self-regulatory body under FINMA oversight — an anti-money-laundering registration, not an e-money licence, which still sits with Unlimit EU Ltd in Cyprus under Central Bank of Cyprus authorisation 115.1.3.7. And the page listing the countries Holyheld serves has been taken down: 404, out of the sitemap, and no country named anywhere in either documentation bundle the site publishes for machines, so the EEA scope recorded here now rests on the April 2026 archive. Separately, the app itself refuses to load from some addresses: it answers the browser with a region error and a blank screen instead of a signup form. That block does not track the residency scope above and is no test of eligibility — we were refused from Moldova while a US address loaded the same endpoint in full. As a daily card for a Berlin or Paris resident it competes. As a travel card it does not. - Last reviewed: 2026-08-08 ## Jupiter Card https://sweepbase.net/cards/jupiter-card - Issuer (issuer, named in the card's own terms): Rain (Signify Holdings, Inc.) — USA (New York) - Card type: Virtual only - Network: Visa - Custody: Hybrid custody - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, United Kingdom, Switzerland, Australia, New Zealand, Canada, Japan, South Korea, Taiwan, Hong Kong, Singapore, Thailand, Philippines, Indonesia, Malaysia, Brazil, Mexico, Argentina, Chile, Colombia, Peru, United Arab Emirates, Saudi Arabia, South Africa, Kenya (excludes United States Belarus China Cuba India Iran Iraq Israel Myanmar Nepal Nicaragua North Korea Russia Syria Turkey Ukraine Venezuela Vietnam) - KYC: Yes - Regions with KYC: Global (excluding US, China, sanctioned countries) - Issuance fee: Free - Annual fee: Free - FX fee: 1% FX fee (Rain-issued) or 1.8% FX fee (DCS-issued) on non-USD transactions - Cashback: 2% base cashback with a $100/month cap; up to 4% (cap $200/month) via the referral program (2+ qualifying referrals in the prior month, re-earned monthly). QR Pay purchases earn no cashback. USD purchases are 0% FX; non-USD 1% (1.8% APAC). Cashback is paid in USDC. - Welcome bonus: $20 in USDC for referred users after $1000 spend in 30 days (no general sign-up bonus) - Yield: Not on the card balance: yield comes from Jupiter Lend Earning Vaults on the jup.ag app, while the card runs off the Jupiter Spend account, with no documented link between the two (checked 2026-07-20) - IBAN / SWIFT / SEPA: Not disclosed - Blockchain top-up: Solana, Sui, Arbitrum, Base (USDC deposits; SOL, JUP, and other Solana SPL tokens auto-swapped to USDC via Jupiter aggregator) - Top-up methods: USDC deposits on Solana, Sui, Arbitrum and Base; auto-swap SOL, JUP, and other Solana SPL tokens to USDC via Jupiter aggregator at point of sale - Mobile pay: Apple Pay; Google Pay - ATM withdrawal limit: Not available (digital-only card; physical card planned for July 2026) - Daily spending limit: Based on USDC balance; USD and EUR accounts available - Official site: https://landing.global.jup.ag/ - Editor note: Jupiter's Visa debit card runs off your on-chain USDC balance and stays non-custodial, with Jupiter never holding your DeFi wallet funds. Read the rate fine print before you apply: base cashback is 2%, and the 4% number floating around older marketing only comes through the referral program. Every non-USD purchase also carries a 1 to 1.8% FX fee, so the real everyday return abroad is thin. KYC is mandatory, and the US is not supported. - Last reviewed: 2026-07-20 ## Kardpay Card https://sweepbase.net/cards/kardpay-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual prepaid cards - Network: Mastercard (virtual prepaid) - Custody: Custodial - Countries available: Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Chad, Chile, China, Colombia, Comoros, Congo, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Zealand, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Zambia - KYC: Varies by card tier - Regions with KYC: Global acceptance - Issuance fee: 4% top-up fee on USDC + $0.25 per declined transaction; KDY token staking discounts apply - Annual fee: None (prepaid) - FX fee: Standard network rates - Cashback: KDY staking provides fee discounts - Welcome bonus: None (up to 8% cashback on purchases; no sign-up bonus disclosed) - Yield: No. The terms state plainly that no interest is paid on balances; $KDY staking with a 180-day lock only unlocks higher cashback tiers (1% to 2%) (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (pure prepaid virtual card, no bank account) - Blockchain top-up: Ethereum, Arbitrum, Base, Polygon, BNB, Tron, Avalanche, Hyperliquid, Monad - Top-up methods: Crypto payment; supports major cryptocurrencies for card purchase - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not applicable (prepaid cards) - Daily spending limit: Based on prepaid card denomination purchased - Official site: https://www.kardpay.app/ - Editor note: Kardpay is live: kardpay.app issues virtual cards instantly, physical ones are preorder only. The catch aggregators bury: any cashback is gated behind staking the proprietary $KDY token, 1% at roughly $3,000 locked, 2% only past $18,000, with a 180-day lock. You also pay a top-up fee of 5% scaling to 3%, plus a one-time $29 to $299 issuance fee. Ignore the 'up to 8%' figure floating around: the live site caps at 2%, and the $KDY token has no verified contract or listing I found. - Last reviewed: 2026-07-20 ## Karta Card https://sweepbase.net/cards/karta-card - Issuer (issuer, named in the card's own terms): Rain (Signify Holdings, Inc.) — USA (New York) - Card type: Virtual only (Telegram-native) - Network: Visa Signature - Custody: Custodial - Countries available: Antigua and Barbuda, Argentina, Bahamas, Barbados, Bangladesh, Belize, Bolivia (Plurinational State of), Brazil, Cayman Islands, Colombia, Costa Rica, Côte d'Ivoire, Dominican Republic, Dominica, Ecuador, Egypt, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Kenya, Malaysia, Mexico, Morocco, New Zealand, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, South Africa, Sri Lanka, Suriname, Thailand, Trinidad and Tobago, Turks and Caicos Islands, United Arab Emirates, Uganda, Uruguay, Zambia - KYC: Yes - Regions with KYC: Most major regions (quick KYC process) - Issuance fee: 5 USDT (promotional; was 30 USDT) - Annual fee: Free - FX fee: 1.5% card payment fee + 1% Visa intl fee = ~2.5% total on non-USD - Cashback: None on own spending. Referral only: ~0.25% commission on friend spending (25 Karat per $100 = $0.25) - Welcome bonus: None disclosed (card issuance fee reduced from 30 to 5 USDT) - Yield: No - IBAN / SWIFT / SEPA: IBAN/SEPA "coming soon" for EU; ACH/Wire for US accounts; SWIFT not disclosed - Blockchain top-up: USDT/USDC on Tron, Ethereum, BNB Chain, Polygon, Arbitrum, Optimism, Base, Solana - Top-up methods: USDT + USDC on 8 chains (Polygon, Base, Optimism, BSC, Arbitrum, Solana, ETH, Tron — free); TRC-20 top-up 5.90 USDT; ACH/Wire 1.5% - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available - Daily spending limit: Based on verification - Official site: https://karta.io/ - Editor note: Karta Personal has been live since August 2025, a Visa Signature card you fund with USDT or USDC across several chains. Stablecoin top-ups are free and KYC takes about five minutes. Two things the marketing glosses over: cashback is referral-only, so your own spending earns nothing back, and the "you control your wallet" pitch does not match the independent reviews, which describe a custodial prepaid balance the provider holds. Budget 1.5% on card payments and 1.5% plus 1 USDT at ATMs. - Last reviewed: 2026-06-22 ## KAST Card https://sweepbase.net/cards/kast-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical (12+ designs across 4 tiers incl. Pengu collection) - Network: Visa Prepaid - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, United Kingdom, Switzerland, Australia, New Zealand, Japan, Singapore, Hong Kong, Taiwan, South Korea, Brazil, Mexico, Argentina, Chile, Colombia, Peru, United Arab Emirates, Saudi Arabia, Turkey, Thailand, Vietnam, Malaysia, India (170+ countries; excludes Afghanistan Albania Belarus Bulgaria China Cuba Indonesia Iran Iraq North Korea Pakistan Philippines Russia South Africa Syria Ukraine Venezuela Yemen Zimbabwe and 30+ other sanctioned regions) - KYC: Yes - Regions with KYC: 183 countries available; 46 restricted including US states, Russia, China, Canada, Australia - Issuance fee: Standard: Free virtual + Free physical ($40 shipping only); Premium/Limited/Luxe: included - Annual fee: $0 (K Card; was $20) - FX fee: 0.5-1.75% FX on non-USD (varies by corridor); 0% FX promo Apr-Jun 2026 - Cashback: As of May 2026: K Card 1.5% USD cashback (cap $2,000/mo spend); Premium 2% USD + 1% KAST Points uncapped; Luxe 3% USD + 2% KAST Points uncapped. $MOVE program retired May 2026. KAST Points redeem for SOL. - Welcome bonus: 500 pts after KYC, 200 pts ($20) after first $100 spend; 10,000 pts ($1,000) on Premium Card purchase (Oct 2025+) - Yield: Not on the card balance: KAST Earn deposits convert to USDKY held in a separate wallet, and the help centre is explicit - "Your USD deposited into KAST Earn is actively earning and not available for spending at the same time". USD Prime up to 3.3% APY, Gauntlet Alpha up to 7%; earnings realise on withdrawal back to the Spending Account. SOL staking earns KAST Points (checked 2026-07-20) - IBAN / SWIFT / SEPA: US account/routing number available (ACH, FedWire); EU-style virtual accounts; IBAN/SEPA via partners, SWIFT-like via FedWire - Blockchain top-up: Ethereum, Solana, Polygon, Tron, Arbitrum - Top-up methods: USDT, USDC, PYUSD, USDe, RLUSD stablecoins (0% spread); BTC, ETH, SOL, XRP, BNB + 20 cryptos (2-5% conversion) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $250 per withdrawal, $750/day max (3 withdrawals) - Daily spending limit: Unlimited up to available balance - Official site: https://www.kast.xyz/crypto-cards - Editor note: Season 6 of KAST (April 2026 onwards) pays 1% in Season Points plus 4% in MOVE tokens on the free K Card, which is 5% headline if MOVE holds its current price. Season Points have no guaranteed value until the eventual TGE. The 0.5-1.75% FX is variable by corridor with a 0% promo through June 2026. User funds sit in an unaudited custodial pool, not insured deposits, which is the line worth understanding before treating this as a primary spending account. The $600M Series A funded a global rollout but did not change that posture. - Last reviewed: 2026-07-20 ## KAST Pengu Card https://sweepbase.net/cards/kast-pengu-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Lead Bank — USA (Missouri state-chartered) — via Bridge (Stripe-owned program manager) - Card type: Virtual + Physical (3 tiers: Pengu, Pengu Black, Pengu Gold) - Network: Visa Prepaid - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, United Kingdom, Switzerland, Australia, New Zealand, Japan, Singapore, Hong Kong, Taiwan, South Korea, Brazil, Mexico, Argentina, Chile, Colombia, Peru, United Arab Emirates, Saudi Arabia, Turkey, Thailand, Vietnam, Malaysia, India (170+ countries; same exclusions as KAST Card) - KYC: Yes - Regions with KYC: 170+ countries; restricted in US, Russia, China, Canada, Australia (inherits KAST policy) - Issuance fee: Free virtual; shipping only for physical - Annual fee: Pengu: $0; Pengu Black: $1,000/yr; Pengu Gold: $10,000+/yr - FX fee: 0.5-1.75% FX on non-USD - Cashback: As of May 2026: Pengu 1.5% USD cashback (cap $2,000/mo); Pengu Black 2% USD + 1% KAST Points (cap $10,000/mo) at $1,000/yr annual fee; Pengu Gold 3% USD + 2% KAST Points (cap $50,000/mo) at $10,000+/yr. $MOVE program fully retired. - Welcome bonus: Waitlist early-access perks; referral system with possible tier upgrades - Yield: Not on the card balance: same KAST Earn vaults as the standard card (up to 7% APY Gauntlet Alpha, 3.3% USD Prime), with funds unavailable for spending while deposited and earnings realised on withdrawal to the Spending Account (checked 2026-07-20) - IBAN / SWIFT / SEPA: US ACH/FedWire + EU virtual accounts via KAST partners - Blockchain top-up: Ethereum, Solana, Polygon, Tron, Arbitrum (KAST multi-chain); PENGU token via Solana - Top-up methods: USDT, USDC, PYUSD, USDe, RLUSD stablecoins; BTC, ETH, SOL, PENGU token - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $250 per withdrawal; $750/day max (3 withdrawals); $3 + 2% fee - Daily spending limit: Unlimited up to available balance - Official site: https://www.kast.xyz/blog/pengu-card-live-kast - Editor note: KAST's Pengu Card is live on Visa, and the free Standard tier pays 1.5% USD-stablecoin cashback on your first $2,000 of monthly spend. Read the redemption terms first: that cashback is timelocked about 14 days, must be redeemed by hand, and can only go toward your next card purchase, so you never pull it out as stablecoin or cash. A 0% FX promo runs through Aug 31, 2026, after which non-USD spend carries a variable 0.5 to 1.75% fee. - Last reviewed: 2026-07-20 ## Kazepay Card https://sweepbase.net/cards/kazepay-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa + Mastercard Prepaid - Custody: Custodial - Countries available: Global (210+ countries; excludes OFAC-sanctioned regions) - KYC: KYC being implemented for all tiers - Regions with KYC: 210+ countries (excludes OFAC-sanctioned regions) - Issuance fee: Not disclosed (FAQ: issuance fee applies, varies by card type; pricing page claims No Setup fee) - Annual fee: Free - FX fee: Real-time market rates with small spread - Cashback: None - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: None (no IBAN/SEPA disclosed; crypto-only top-up) - Blockchain top-up: USDT/USDC on BSC, Solana, Aptos, Tron, Base, Avalanche, Arbitrum - Top-up methods: USDT, USDC stablecoins only - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Physical card only; fees apply - Daily spending limit: Based on tier and verification - Official site: https://kazepay.com/ - Editor note: KazePay is live and taking applications, funded with USDT or USDC across seven chains (Ethereum isn't one). There's genuinely no per-purchase fee, which is what the "free" pitch leans on. Read the FAQ, though: every top-up costs about 2% (physical 2%, virtual 1.8% to 2.2%), with the crypto-to-fiat conversion baked into that recharge fee, plus 2% on ATM withdrawals. You pay to fund the card, roughly 2% a time. KYC is required. - Last reviewed: 2026-06-22 ## Kemy Card https://sweepbase.net/cards/kemy-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa + Mastercard Prepaid - Custody: Custodial - Countries available: Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Cape Verde, Cambodia, Cameroon, Canada, Chad, Chile, Colombia, Comoros, Costa Rica, Cote d'Ivoire, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, South Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, Yemen, Zambia, Zimbabwe - KYC: Yes (full KYC with Sumsub ID + biometric) - Regions with KYC: Global except US-sanctioned countries - Issuance fee: Virtual $15/card; Physical $250 (DHL shipping included) - Annual fee: Physical: $10/month - FX fee: 8% crypto top-up fee - Cashback: None - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: Advertised but not yet live: dedicated EUR/USD/GBP/MXN/BRL account numbers are marketed, but Kemy's own pricing page marks these bank-transfer rails 'pricing published at launch' — the only live funding method today is crypto or mobile money (8% fee) - Blockchain top-up: BTC, ETH, USDT, USDC, SOL (10+ cryptocurrencies) + mobile money - Top-up methods: BTC, ETH, USDT, USDC and major cryptocurrencies - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Physical card: varies, high limits available - Daily spending limit: Virtual: $100000/month; Physical: up to $50000/day - Official site: https://kemycard.com/en/home - Editor note: Kemy's fee structure tells you who the card is for. An 8% top-up fee on crypto, $250 for a physical card, and $10 a month to keep it active: these are not retail numbers. What you're paying for is unlimited virtual card creation and a $100K monthly virtual spend limit with minimal geographic friction. Global coverage except for US-sanctioned countries. No rewards program. I've watched this card get recommended in B2B crypto forums for expense-management workflows, which is the correct use case. For an individual holder, the cost per swipe makes no sense. Treat this as operational infrastructure, not a consumer product. - Last reviewed: 2026-06-22 ## Kolo Card https://sweepbase.net/cards/kolo-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual only (physical planned Q3 2026) - Network: Visa Platinum - Custody: Hybrid custody - Countries available: Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Central African Republic, Chad, Chile, China, Colombia, Comoros, Congo, Costa Rica, Croatia, Cyprus, Czechia, Côte d'Ivoire, Democratic Republic of the Congo, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, Yemen, Zambia, Zimbabwe - KYC: Yes - Regions with KYC: 170+ countries (excludes sanctioned jurisdictions) - Issuance fee: Virtual Free; Physical varies by region - Annual fee: Free - FX fee: 0% FX fees; ~1% crypto-to-fiat conversion fee - Cashback: 2% BTC cashback for first 30 days after card activation, then 1% BTC ongoing; $100/month cap. Paid daily in Bitcoin. - Welcome bonus: Yes — boosted 2% BTC cashback for the first 30 days after activation (then 1% standard); promo levels change, check current terms in the Kolo app - Yield: No - IBAN / SWIFT / SEPA: SEPA yes (transfers to Revolut/Wise/N26/SEPA banks); IBAN not confirmed as personal; SWIFT not disclosed - Blockchain top-up: BTC, ETH, USDC, USDT on Ethereum, BSC, Solana, Tron, Base, Sui, Polygon (7 networks) - Top-up methods: BTC, ETH, USDC, USDT, PEPE and 10+ cryptos across Ethereum, Polygon, Optimism, Arbitrum - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available with physical card - Daily spending limit: Based on verification; can be reduced to $0 at any time - Official site: https://kolo.xyz/ - Editor note: Kolo's 2% Bitcoin cashback on all purchases and 5% BTC welcome bonus is a real rate paid in a real asset, which is rare in this category. Coverage runs 170+ countries. The weaker side is operational maturity: spending limits have been reduced to zero on specific accounts without advance warning, and the hybrid custody model is not consistently explained in their docs. Memecoin support (PEPE, DOGE) exists but I'd treat it as a curiosity, not a use case. Multi-chain across Ethereum, Polygon, Optimism, and Arbitrum. Solid for Bitcoin-focused spenders who want rewards in BTC directly. Keep a backup card for anything mission-critical until the operational side stabilizes. - Last reviewed: 2026-06-22 ## Kontigo Card https://sweepbase.net/cards/kontigo-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual - Network: Mastercard Prepaid - Custody: Self-custody - Countries available: Argentina, Bolivia, Brazil, Chile, Colombia, El Salvador, Mexico, Peru, Spain, United States, Venezuela - KYC: Yes for card issuance; the wallet's tier 1 works unverified (crypto top-ups and withdrawals, no limit), higher tiers need ID, passport or proof of address - Regions with KYC: Latin America (Venezuela included), Europe and the United States; card region is assigned automatically from the registered address - Issuance fee: Not disclosed - Annual fee: Free advertised - FX fee: Not disclosed: the card ships preconfigured for international payments, and the only card-side fee Kontigo publishes is 0.15% on each top-up from the Kontigo balance - Cashback: None confirmed: Bitcoin cashback appears only as a whitepaper roadmap claim ('a stablecoin card with Bitcoin cashback'); no rate, no terms and no FAQ entry, so it is not yet live - Welcome bonus: 5 USDC to the invited user through a referral QR; no reward disclosed for the referrer - Yield: Not on the card balance: the savings product (Kochinitos) targets up to 8% a year on USDC or Bitcoin via Coinbase, Aave or Morpho liquidity protocols, and the FAQ still labels it 'Próximamente' ('Los Kochinitos serán planes de ahorro...'). The card spends a separate USDC balance you top up at 0.15%; the 10% yield line appears only in the whitepaper vision section (checked 2026-07-29) - IBAN / SWIFT / SEPA: None — the account is a USDC balance, not an IBAN, SEPA or SWIFT account - Blockchain top-up: USDC and USDT on Base (recommended, fixed fee), Solana, Tron, Ethereum, Arbitrum, Optimism and Polygon; crypto top-up 0.3% + $0.30, network fees added on non-Base chains - Top-up methods: Into the wallet: crypto 0.3% + $0.30, Pago Móvil 1.5%, debit/credit card free, cash at partner agencies 1.7% (Plaza y Activo) or 3.5% (Bancamiga, BNC), plus PayPal, PSE, Nequi and DaviPlata. From wallet onto the card: 0.15%, no minimum balance - Mobile pay: Expected mobile wallet support - ATM withdrawal limit: No ATM access — the card is virtual only; the FAQ says the physical card is still to come - Daily spending limit: Not published for the card; account tiers cap deposits and withdrawals at $5,000/day (tier 2), $10,000/day (tier 3) and $25,000/day (tier 4) - Official site: https://www.kontigo.com/ - Editor note: Kontigo is obtainable, but not the way the marketing reads. The card is requested from a waitlist inside the app and it is virtual only, with the FAQ saying the physical version is still coming. Two of the headline numbers do not survive a look at the primary pages either: the Bitcoin cashback and the 10% yield sit in the whitepaper's vision section, and the FAQ marks the 8% Kochinitos savings product 'Próximamente'. What is live is a USDC balance with an unverified tier 1, cheap LatAm top-up rails, and a 0.15% fee to move money onto the card, which you cannot move back yet. Against that, January 2026 brought a breach that reimbursed $340,905 to 1,005 users and a second attack days later that paused the platform, on top of a December 2025 JPMorgan account freeze and a Venezuelan crypto licence left to lapse around January 8. - Last reviewed: 2026-07-29 ## Kraken Card https://sweepbase.net/cards/kraken-card - Issuer (BIN sponsor, named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual + Physical - Network: Mastercard Debit - Custody: Custodial - Countries available: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: UK, EU/EEA - Issuance fee: Free - Annual fee: Free - FX fee: 0% FX markup (Mastercard rate passed through per krak.app/legal/card-terms: "no Krak FX fees"); the undisclosed cost is the spread on crypto-to-fiat conversion at checkout - Cashback: 5-tier Krak Rewards ladder, shared by both card designs: Starter 0% (under EUR/GBP 200 balance), Light/Lite 0.5% (200+), Pro 1% (1K+), Elite 1.5% (10K+), Max 2% (50K+). Up to 6% on hotel bookings via Krak Concierge. Paid in cash, BTC or other crypto. Promo 1% flat ended March 31, 2026. Kraken support lists five tiers and spells the second "Lite"; the marketing page lists four and spells it "Light". - Welcome bonus: None as a card promo (a $10 Krak referral bonus exists; cashback is tiered by balance) - Yield: Yes, on the spendable balance (opt-in): "As long as you hold USDG in your Krak account, and have Stablecoin Rewards enabled, you will automatically earn USDG paid directly into your existing balance", accruing while assets stay fully accessible; up to 4.1% APR on USDG. Per-asset caps and region gating apply; Krak Vaults (up to 8% USDC) are a separate deposit product with a lockup (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (EUR via SEPA; GBP Faster Payments in UK); SWIFT not disclosed - Blockchain top-up: Multi-chain via the Kraken/Krak app (600+ assets across native networks; Kraken support notes not all are card-spendable) - Top-up methods: Crypto or fiat moved from a Kraken account into the shared Krak Everyday balance (600+ spendable currencies per kraken.com/features/crypto-card) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: EUR 900/day (no Krak-side fee; third-party ATM operators may charge) - Daily spending limit: EUR 12,000/day - Official site: https://www.kraken.com/features/crypto-card - Editor note: Kraken Card and Krak Card are one product, and we list them as one card. Kraken own card FAQ, checked 17 July 2026, answers "How is Kraken Card different from Krak Card?" with: "The design on the Kraken Card is the only difference to a Krak Card. Both are Mastercard debit cards that spend from the same Krak Everyday account while your Krak Rewards tier and cashback percentage apply to both." We carried them as two rows until 17 July 2026; /cards/krak-card now redirects here. The retired Kraken row also claimed 400+ assets and top-up "including stablecoins", and both were unsupported: the live card page and the card FAQ say 600+ currencies and name no stablecoin at all, the word appears on neither page, nor does USDC. It also said "Rebranded as Krak Card", which has the order backwards, because Krak came first and the Kraken-branded design is the later addition. Scheme is Mastercard, not Visa: krak.app/legal/card-terms says "Kraken Card is a Mastercard debit card" and never mentions Visa. The spread on crypto-to-fiat conversion at checkout is where the real cost lives, and Kraken does not publish it. - Last reviewed: 2026-07-20 ## Kripi Card https://sweepbase.net/cards/kripi-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa + Mastercard Prepaid - Custody: Custodial - Countries available: Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belarus, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Cape Verde, Cambodia, Cameroon, Canada, Chad, Chile, Colombia, Comoros, Costa Rica, Cote d'Ivoire, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, South Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, Yemen, Zambia, Zimbabwe - KYC: Minimal KYC - Regions with KYC: 195+ countries globally (USD settlement) - Issuance fee: Standard: varies; Premium: varies - Annual fee: Free - FX fee: ~1% standard Visa/Mastercard FX fees, plus 2-4% crypto conversion - Cashback: Fee discounts up to 50% when staking KRIPI tokens (not cashback on purchases) - Welcome bonus: None (referral/staking rewards via $KRIPI token only) - Yield: Not on the card balance: yield requires staking the $KRIPI token with 30/90/180-day locks (issuer pages quote both 15-35% and 8-12% APY, contradicting each other). The card's spendable USDT balance earns nothing (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (pure prepaid virtual Visa/MC, no bank account) - Blockchain top-up: Multi-chain USDT/crypto deposits: Tron, Ethereum, Solana, BSC, Polygon, Bitcoin and 50+ assets - Top-up methods: 50+ cryptos across 6 blockchains: Ethereum BNB Chain Polygon Arbitrum Solana Tron - Mobile pay: Yes (Google Pay both tiers; Apple Pay Premium only) - ATM withdrawal limit: Not available (virtual only) - Daily spending limit: Based on tier and verification - Official site: https://www.kripicard.com/ - Editor note: Kripi Card is a virtual-only Visa or Mastercard you create in under a minute, tokenized for Apple, Google, or Samsung Pay, with no physical card or ATM access. The site shouts 0.00% FX and 0.00% auth fee, but the fee page tells the real story: every top-up carries a flat 4% funding fee, plus $1 processing and $5 issuance, so each dollar loaded is worth about 96 cents before you spend it. Loaded fiat is also custodial, held by the issuer, which clashes with the homepage's "you hold your keys" line. - Last reviewed: 2026-07-20 ## KuCard https://sweepbase.net/cards/kucard - Issuer (BIN sponsor, named in the card's own terms): Wallester AS — Estonia / EEA (Visa Principal Member) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden (Malta excluded per MiCAR compliance Jan 2026) - KYC: Yes - Regions with KYC: EEA countries only (expanding globally later) - Issuance fee: 9.99 EUR - Annual fee: 10 EUR/year (waived if spending over 500 EUR/year). 3 EUR inactivity fee after 90 days. - FX fee: 2% international FX fee - Cashback: 1-3% base (VIP-tiered); up to 8.5% with KCS staking bonus. Payout redeemable in BTC / ETH / KCS / stablecoin at the user's election - Welcome bonus: Launch promo: Black Friday unlimited cashback & $2,250 bonus pool (up to 3% cashback ongoing) - Yield: Yes, on the spendable balance (opt-in): with savings redemption enabled the deduction sequence is Funding, Trading, then Savings, and "the system will automatically transfer the balance from your savings account to your funding account" at payment, so flexible Earn savings are debited at purchase. Without it the card spends the non-earning Funding Account (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (EUR-only prepaid, no personal IBAN) - Blockchain top-up: No direct on-chain top-up — funded from KuCoin exchange balance (54 cryptos incl. BTC, ETH, USDT, KCS) - Top-up methods: USDT EUR and expanding to more cryptocurrencies - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €350/day; €2 fee in Europe, 2% international - Daily spending limit: Based on verification level - Official site: https://www.kucoin.com/kucard - Editor note: KuCard is live for EEA residents, though the Netherlands and France are closed to new applicants and Malta is excluded. It runs as a custodial Visa funded from your KuCoin balance, and the "up to 8%" cashback is softer than it reads: it pays as KCS locked into staking rewards, not spendable cash, on the 16th of the next month, and 8% needs VIP 11-12 and KCS staked above 10% of your account. Leave it unused 90 days and a EUR 3 inactivity fee closes the card if it cannot be deducted; non-euro purchases add 2% FX. - Last reviewed: 2026-07-20 ## Ledger Card https://sweepbase.net/cards/ledger-card - Issuer (BIN sponsor, named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual + Physical - Network: Visa Debit (US) + Mastercard Debit (UK/EEA) - Custody: Self-custody - Countries available: EEA, United Kingdom, United States (excl. NY, VT), Canada, Switzerland, Colombia, Mexico, Brazil - KYC: Yes - Regions with KYC: EEA, United Kingdom, USA (excl. NY, VT), Canada, Switzerland, Colombia, Mexico, Brazil - Issuance fee: Free - Annual fee: Free - FX fee: 1.75% on non-base-currency transactions; plus 2% crypto-to-fiat spend fee on crypto-funded purchases (~3.75% all-in before cashback). - Cashback: 1% cashback in BTC, USDC or USDT per transaction. - Welcome bonus: Up to $100 in BTC bonus via Ledger promotions (1% BTC/USDC cashback ongoing) - Yield: Not on the card balance: staking runs through separate Ledger Wallet service providers, and the card's crypto-backed mode is a credit line rather than on-balance yield (checked 2026-07-20) - IBAN / SWIFT / SEPA: None — no bank account, no IBAN (Baanx-issued card) - Blockchain top-up: Self-custody top-up from Ledger wallet: BTC, ETH, USDT, USDC, EURT (Ethereum, Polygon, Tron supported) - Top-up methods: Crypto from Ledger wallet; direct paycheck deposit via bank transfer - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €2000/day, €3 + 1.5% fee per withdrawal - Daily spending limit: Based on verification and deposits - Official site: https://www.ledger.com/ - Editor note: The Ledger card is a Baanx partnership, not a Ledger-issued product, and that matters when you're thinking about who actually holds the customer relationship. It matters more since May 1, 2026, when Exodus — a rival self-custody wallet with its own card on the same rails — bought Baanx and Monavate outright. The card is two different products wearing one name: Ledger's own shop page says "The VISA debit card offered in the US is in partnership with Cross River Bank", while the CL Card FAQ (support.ledger.com, last updated Jul 8, 2026) says you can spend "everywhere MasterCard is accepted" and never mentions Visa. UK and EEA accounts are operated by Monavate Ltd and UAB Monavate respectively. So: Mastercard in the UK/EEA, Visa in the US — checked on both pages 2026-07-15. The 1% BTC or USDC cashback is straightforward. The awkward part is the fee stack: funding with crypto runs 1.75% conversion plus a 2% spend fee, so you're paying 3.75% before the 1% reward lands. I'd rather see a lower cashback rate and a flatter fee. If you already run a Ledger hardware wallet and want a card that doesn't break your self-custody assumptions, this is the mainstream option. Just understand you're paying a premium for that continuity. - Last reviewed: 2026-07-20 ## MaxSwap Card https://sweepbase.net/cards/maxswap-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Mastercard Prepaid - Custody: Custodial - Countries available: Global (excludes Afghanistan Belarus Cuba Iran North Korea Russia Syria Venezuela Myanmar Somalia Yemen sanctioned regions of Ukraine) - KYC: Not required for basic cards - Regions with KYC: Global (Telegram-based issuance) - Issuance fee: 25 USD per card - Annual fee: None - FX fee: 5% top-up fee + 0.8% per transaction + 0.6% non-USD conversion (~6.4% effective total) - Cashback: None - Welcome bonus: None ($25 card issuance + $25 min deposit required) - Yield: No - IBAN / SWIFT / SEPA: None (virtual Mastercard only, no IBAN) - Blockchain top-up: Multi-chain: BTC, ETH, BNB, TRX, MATIC, SOL-adjacent, TON, LTC, XRP, USDT, USDC, ADA, AVAX and more - Top-up methods: ADA, ALGO, AVAX, BCH, BNB, BTC, DOT, ETH, HBAR, LINK, LTC, MATIC, NEAR, SHIB, SOL, TON, TRX, UNI, USDC, USDT, XLM, XRP and others on 40+ blockchains. 5% top-up fee. - Mobile pay: Expected (Apple Pay; Google Pay) - ATM withdrawal limit: Not available (virtual only) - Daily spending limit: $50000 per purchase; $200000 maximum balance - Official site: https://maxswap.cc/ - Editor note: MaxSwap is live: maxswap.cc takes applications through a Telegram bot that issues a virtual Mastercard in under a minute, $25 minimum, no cashback. The catch is funding cost, which its own documents cannot agree on. The binding Virtual Card Policy says top-ups run 3.5%, the FAQ says 4.5% plus $1, and a separate 5% commission hits only the initial card-creation deposit, not later reloads. Read the fee page twice before you load real money. - Last reviewed: 2026-06-22 ## MetaMask Card https://sweepbase.net/cards/metamask-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual (US and UK sign-ups paused as of Jul 2026); Metal Physical (US only, orders paused Jun 2, 2026) - Network: Mastercard Debit - Custody: Self-custody - Countries available: Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Uruguay - KYC: Yes - Regions with KYC: 45 countries per metamask.io/card, 47 on the help centre which adds Bahrain and Oman: 23 of the 27 EU states (not Czechia, Estonia, Latvia or Lithuania) plus Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, Gibraltar, Guernsey, Jersey, Isle of Man, Canada and nine Latin American markets. Not available in the USA or in the United Kingdom - new sign-ups are closed in both and MetaMask publishes no date for either pause; existing holders unaffected (checked 2026-08-05) - Issuance fee: Free - Annual fee: Free - FX fee: 0% foreign transaction fees (Mastercard standard rates only) - Cashback: Virtual: 1% mUSD cashback; Metal Card ($199/year): 3% mUSD (first $10K/year, then 1%). Metal: 0% FX fees. - Welcome bonus: None (1% mUSD Virtual / 3% Metal cashback on first $10K) - Yield: Yes, on the spendable balance (opt-in): mUSD in the MetaMask Money Account earns up to 4% APY (promo headline shows up to 6%) and "stays available to trade, send, and earn - or spend anytime via MetaMask Card", with purchases paid from that account automatically. Plain USDC/USDT/wETH balances the card can also spend earn nothing (checked 2026-07-20) - IBAN / SWIFT / SEPA: None — no IBAN/SEPA, pure self-custody crypto card - Blockchain top-up: Linea, Base, Solana, Monad (USDC, USDT, mUSD, wETH, EURe, GBPe); Solana excluded in US - Top-up methods: USDC, USDT, wETH on Linea network - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not disclosed - Daily spending limit: Based on wallet balance and spending caps - Official site: https://portfolio.metamask.io/card - Editor note: The MetaMask Card is the first self-custody card where the wallet I already used every day also became the card. Spending pulls from USDC or mUSD on Linea, no pre-loading step. The Metal tier at $199 a year gets you 3% back in mUSD on the first $10K spent, and MetaMask actually runs 0% FX fees, which is rare. I've spent in Argentina and Brazil with no markup beyond Mastercard's own rate. Virtual card cashback drops to 1% and mUSD is only useful if you spend it again inside the ecosystem. Good card if you already live on Linea. Less compelling if you don't. - Last reviewed: 2026-08-05 ## Mobilum Card https://sweepbase.net/cards/mobilum-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Mastercard Prepaid - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Hungary, Iceland, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: USA, Canada, EEA (30+ countries) - Issuance fee: $1 - Annual fee: Free - FX fee: 0.5% MBM access fee + 0.5% MBM transaction fee - Cashback: None - Welcome bonus: First card for $1 promo - Yield: Not on the card balance: Mobilum Pay markets up to 4% APY on Bitcoin holdings and yield on idle stablecoins via DeFi strategies, but the card is a top-up product and no issuer page ties the yield to the card balance. The cards page itself is now a B2B white-label pitch (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (card-linked IBAN for wire top-ups, EUR/USD/PLN); SEPA yes; SWIFT via wire - Blockchain top-up: Direct crypto top-ups (BTC, ETH, USDT, USDC and more); non-custodial - Top-up methods: BTC, ETH and major cryptocurrencies plus fiat (EUR, USD, PLN) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available at Mastercard ATMs - Daily spending limit: Based on verification level - Official site: https://www.mobilum.com/en/cards - Editor note: Mobilum Pay is live: a Mastercard you sign up for inside the app, virtual or physical, tokenizable to Apple and Google Pay, with USD/EUR/PLN swaps built in. Here is what a shopper misses. The fees that decide the deal, issuance, FX and top-up, are printed nowhere public; you only see them in-app or by asking, so you commit to KYC before you know the cost. And KYC is the weak point: App Store reviews into October 2025 report valid US IDs rejected and funds frozen or never credited. - Last reviewed: 2026-07-20 ## Nexo Card https://sweepbase.net/cards/nexo-card - Issuer (BIN sponsor, named in the card's own terms): DiPocket UAB — Lithuania (EMI No. 75) - Card type: Virtual + Physical (physical card orders paused since Jan 17 2025) - Network: Mastercard Credit/Debit - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Argentina - KYC: Yes - Regions with KYC: EEA and the United Kingdom, plus Argentina since 8 July 2026. Nexo publishes no country list and no count - its own wording is selected European countries, including the EEA and the United Kingdom. Virtual card only: Nexo states on two help pages that ordering physical cards is temporarily unavailable - Issuance fee: Free - Annual fee: Free - FX fee: 0.2% EEA/UK/CH; 2% elsewhere; +0.5% weekends. Free FX allowances by loyalty tier (€3K-20K/mo) - Cashback: 0.5-2% in NEXO Tokens or 0.1-0.5% in BTC by loyalty tier (Base 0.5%/0.1%, Silver 0.7%/0.2%, Gold 1%/0.3%, Platinum 2%/0.5%); requires Credit Mode (not Debit Mode) + $5,000+ portfolio minimum; monthly caps $50/$100/$150/$200 by tier (resets 1st of each month); UK users excluded from cashback. - Welcome bonus: None (referral bonus up to $100 BTC exists but distinct; 2% cashback, 13% interest on unspent) - Yield: Yes, on the spendable balance in Debit Mode: "If you pay in Debit Mode, your assets continue to earn interest until the moment you use them for a transaction" - the Savings Wallet spending balance earns up to 13% p.a. paid daily (0.25-14% by asset and loyalty tier), with no separate vault or lock. Credit Mode instead spends a credit line against posted collateral (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (Malta-based personal IBAN); SEPA yes (SEPA Instant); SWIFT not disclosed - Blockchain top-up: 20+ networks via Nexo Multichain Bridge: Ethereum, Arbitrum, Avalanche, Base, Polygon, Solana, Tron, BTC, etc. - Top-up methods: 100+ digital assets from Nexo account including BTC, ETH, stablecoins - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €200-€2000/month free (by tier), 2% after; €600/transaction - Daily spending limit: Based on credit line or account balance - Official site: https://nexo.com/card - Editor note: Nexo remains the only card I'd hand to someone who genuinely doesn't want to sell crypto. The Credit Mode borrows against your collateral instead of liquidating it, which is the whole point. The trade-off is that cashback maxes at 2% in NEXO tokens at the Platinum tier, and the payout cap actually scales down by tier too, $200 a month at Platinum but as low as $50 at Base. I watched UK cashback disappear in late 2023 with no warning, so treat the rewards as a bonus rather than a reason to apply. Re-checked 2026-08-05 and three things in this row were wrong. The 28 countries figure is not Nexo's - it publishes no count and no list, and 28 cannot even be reconciled with its own gloss, since the EEA alone is 30 states. Switzerland and Andorra came from February 2025 press, never from a Nexo page, and the card provider's General Terms in force today require an EEA or UK citizen or resident. And we missed a live market: Argentina launched 8 July 2026 on Nexo's own dateline, as a separate ARS/USD programme. One obtainability nuance that matters more than the country list: a new customer can only get the virtual card, because Nexo has had physical card ordering paused since January 2025 - nineteen months of temporarily - while the marketing page still explains how to order one. Good product, narrow audience, and worth it if you already run the Nexo loan workflow. - Last reviewed: 2026-08-05 ## OffGrid Card https://sweepbase.net/cards/offgrid-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa Prepaid - Custody: Custodial - Countries available: Live but invite-only access model (app.offgrid.cash); global jurisdictions, specific country exclusions not publicly disclosed - KYC: No KYC required - Regions with KYC: Global; privacy-focused zero-KYC model - Issuance fee: Not disclosed - Annual fee: Free - FX fee: Standard Visa rates - Cashback: None - Welcome bonus: None (no public welcome bonus disclosed) - Yield: No - IBAN / SWIFT / SEPA: None (pure prepaid virtual card, no bank account) - Blockchain top-up: Multi-chain: any crypto accepted including Zcash, Solana, Bitcoin, Ethereum (broad multi-chain) - Top-up methods: Literally everything - accepts all cryptocurrencies including shitcoins - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available (details not disclosed) - Daily spending limit: Up to $4000/month, completely under the radar - Official site: https://www.offgrid.cash/ - Editor note: OffGrid is live but invite-only. The app.offgrid.cash claim flow works and asks for an OG-XXXX beta code, and holders with working cards exist: reviews from December 2025 onward describe a functioning no-KYC virtual Visa with Apple/Google Pay. There is no open signup — without an invite code you cannot apply — and eligible jurisdictions are still undisclosed. - Last reviewed: 2026-06-22 ## OKX Card https://sweepbase.net/cards/okx-card - Issuer (BIN sponsor, named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual only - Network: Mastercard Debit - Custody: Custodial - Countries available: Brazil, Norway, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden (Iceland and Liechtenstein excluded) - KYC: Yes - Regions with KYC: EEA + Brazil - Issuance fee: Free - Annual fee: Free - FX fee: 0.1% conversion spread (official docs); no transaction or FX fees - Cashback: Ongoing cashback (from Mar 1 2026): non-VIP capped at €10/month; up to ~10% for VIP4+ tiers. - Welcome bonus: Up to 20% limited-time crypto rewards on spend (EU launch promo); OKX exchange has separate up-to-$10K referral - Yield: Yes, on the spendable balance: "Earn up to 10% APY on OKX Card balance... Pay anywhere, straight from your stablecoin balance." Virtual card only, live in the EEA and Brazil; the headline rate reads as a promotional ceiling (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA via MiCA/PSD2 Malta PI license (EU); IBAN not explicitly confirmed per user - Blockchain top-up: Stablecoins held in OKX self-custody wallet (Ethereum, Solana, Polygon, BNB, Arbitrum, etc.) - Top-up methods: USDC, USDG stablecoins from OKX Pay account - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not available (virtual card only) - Daily spending limit: Based on verification and tier - Official site: https://www.okx.com/ - Editor note: OKX is the cleanest fee model in this batch. Zero transaction fees, zero FX markup, and a 0.1% conversion spread that's genuinely just the spread. I ran the card through a weekend in Portugal and the settled amounts matched the Mastercard mid-market rate to the cent. You do give up flexibility: USDC and USDG only, EEA and Brazil only, and the VIP tiers that unlock higher rewards require meaningful OKX trading volume. The January–February 2026 promo rates of 15–20% are gone. If you already hold stablecoins on OKX and you live in the EEA, this is currently the cheapest way to spend them at point of sale. - Last reviewed: 2026-07-20 ## Onboard Card https://sweepbase.net/cards/onboard-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa Prepaid - Custody: Custodial - Countries available: Åland Islands, Albania, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Central African Republic, Chad, Chile, China, Colombia, Comoros, Congo, Costa Rica, Croatia, Cyprus, Czechia, Côte d'Ivoire, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, French Guiana, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar, Namibia, Nauru, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia and the South Sandwich Islands, South Korea, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, U.S. Virgin Islands, Western Sahara, Yemen, Zambia, Zimbabwe - KYC: Yes - Regions with KYC: 190+ countries - Issuance fee: $3 (one-time card creation fee) - Annual fee: Free - FX fee: 2% + $0.50 FX fee on foreign transactions - Cashback: 1 USDC per transaction $10-$1000 (max 5/month = 5 USDC/month) - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: Unclear/stale: onboard.xyz now positions itself as a B2B FX platform ('Onboard Business') as of mid-2026, live funding limited to NGN and stablecoins, with USD/GBP/EUR accounts listed as 'coming soon'; the consumer card itself is a USD virtual card funded via NGN/IDR/KES/crypto with no EUR or personal IBAN in its own help docs. Older pages describing a personal EUR IBAN may be stale (source page now 404s) - Blockchain top-up: No direct blockchain top-up — funded via fiat (USD, EUR, NGN, IDR, KES); stablecoin rails internal - Top-up methods: USDC, USDT stablecoins only - Mobile pay: Not specified - ATM withdrawal limit: Not available (virtual only) - Daily spending limit: $5000/day spending limit - Official site: https://www.onboard.xyz/ - Editor note: Onboard's 0.35% crypto-to-fiat conversion is one of the lowest I've tracked. That number is the reason to consider the card. Everything else is trade-offs: 2% plus $0.50 FX fee on foreign transactions is worse than most competitors, the card is virtual only with no ATM option, and the 1 USDC per transaction promo caps at five transactions a month. 190+ country coverage is real. USDC and USDT only. If you're spending stablecoins domestically in your issuance currency, the math works in your favor. If you travel, the FX stack will eat through the conversion savings quickly. - Last reviewed: 2026-06-22 ## Oobit Card https://sweepbase.net/cards/oobit-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa Debit - Custody: Self-custody - Countries available: Australia, Austria, Bahamas, Belgium, Bosnia and Herzegovina, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Indonesia, Italy, Jamaica, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Malaysia, Malta, Moldova, Montenegro, Netherlands, New Zealand, Nigeria, North Macedonia, Norway, Pakistan, Philippines, Poland, Portugal, Romania, Saudi Arabia, Serbia, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Arab Emirates, United Kingdom, United States, Uzbekistan, Vietnam - KYC: Yes - Regions with KYC: Global; 150+ million Visa merchants - Issuance fee: Free - Annual fee: Free - FX fee: 1% transaction fee on all card payments (min $0.25); standard Visa FX on international - Cashback: Rewards points (Levels 1x-5x per $1) redeemable in USDT (USDC in EEA) at 1,000 pts = $1; the flat 2% base figure appears only in third-party reviews, not on official pages. The 'up to 10%' requires participation in the OOB Rewards program, which involves holding OOB tokens. OOB is a small-cap token on limited exchanges; the jump to 10% requires significant speculative token exposure. Realistic return for a typical user at base level: roughly 0.1% in points value, before the 1% per-payment card fee. - Welcome bonus: None (referral only: 200,000 points ~USDT to each side after qualifying payment) - Yield: No - IBAN / SWIFT / SEPA: SEPA rail supported for transfers; dedicated IBAN not advertised as standard - Blockchain top-up: Ethereum, Tron, BNB Smart Chain, Solana, Polygon (25+ assets, non-custodial via DePay) - Top-up methods: USDT, BTC, ETH and major stablecoins; works with MetaMask, Phantom, Trust Wallet - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available - Daily spending limit: Based on wallet balance - Official site: https://www.oobit.com/ - Editor note: Oobit's rates need translating before you compare them with anything else. You earn points, not cashback: 1x to 5x per dollar, and 1,000 points convert to one USDT. At the base level that works out to roughly 0.1% back, while every card payment carries a flat 1% fee with a $0.25 minimum, so the math starts negative and only climbs out if you hold OOB, a small-cap token, to boost your level. The flat 2% figure you see in third-party reviews doesn't appear anywhere on Oobit's own pages. What the card does well is acceptance and tap-to-pay coverage. Treat it as a convenient global Visa with a rewards sticker on it, not a cashback card. - Last reviewed: 2026-07-24 ## Orbitx Card https://sweepbase.net/cards/orbitx-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical (Neo plastic; Lux metal) - Network: Visa Signature - Custody: Self-custody - Countries available: Global (B2B/CaaS model; retail issuance country list not disclosed) - KYC: Yes - Regions with KYC: Global availability - Issuance fee: Neo $100; Lux $350 - Annual fee: Neo $12/year; Lux $30/year - FX fee: 2% FX on all non-USD for both Neo and Lux tiers - Cashback: None - Welcome bonus: None disclosed - Yield: Unclear: the app markets "Earn yield on your USDC through self-custodial, on-chain strategies - no lock-ins" with no rate published, while the store listing splits a Cash Account for savings from a Card Account for spending, so which balance earns is never stated (checked 2026-07-20) - IBAN / SWIFT / SEPA: Yes — named IBANs; USD, EUR, GBP, AED accounts (via partner banks) - Blockchain top-up: Any blockchain via OrbitX routing; USDC-centric (non-custodial) - Top-up methods: USDC, USDT stablecoins on Polygon, Base; Solana and Tron coming - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available; high ATM fees (Base + 2% + $2) - Daily spending limit: Neo: $50000/day; Lux: Unlimited - Official site: https://orbitxpay.com/ - Editor note: Orbitx Card is live in 2026, but read the fee page before the low annual price sells you. The $12/year Neo or $30/year Lux headline hides a one-time card charge of $100 or $350 up front, and no cashback earns any of it back. Non-USD spend adds 2% FX, and ATM cash-outs cost the base ATM charge plus 2% plus $2. - Last reviewed: 2026-07-20 ## Payy Card https://sweepbase.net/cards/payy-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa Platinum - Custody: Self-custody - Countries available: Global (excludes OFAC-sanctioned jurisdictions: North Korea Iran Syria Cuba Crimea Donetsk Luhansk) - KYC: Yes - Regions with KYC: Global (app store accessible regions; excludes OFAC-sanctioned) - Issuance fee: Free - Annual fee: Free - FX fee: 1% FX fee on non-USD purchases, plus standard Visa rates - Cashback: None - Welcome bonus: None (referral: 10,000 points per successful referral) - Yield: No - IBAN / SWIFT / SEPA: None currently; SEPA (EUR) planned but not live - Blockchain top-up: Polygon (USDC via Payy Network ZK L2); fiat on-ramps in AR, US - Top-up methods: USDC only for spending; multi-chain deposits via Across/Mayan bridges - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available - Daily spending limit: Based on USDC balance - Official site: https://payy.network/ - Editor note: Payy is a live, self-custodial Visa that spends USDC from an app holding your keys on-device, settled via zero-knowledge proofs on its own Ethereum L2. Card-side fees are truly zero: no issuance, monthly, annual, or top-up. The catch: a new applicant gets a virtual-only card with no cashback or yield by design, so the ~1% markup on non-USD buys (a Visa pass-through, not a Payy fee) has nothing to offset it. The physical card is a 100,000-points redemption, reported sold out, and ATM access is private-beta only. - Last reviewed: 2026-06-22 ## Phantom Cash Card https://sweepbase.net/cards/phantom-cash-card - Issuer (BIN sponsor, named in the card's own terms): Lead Bank — USA (Missouri state-chartered) — via Bridge (Stripe-owned program manager) - Card type: Virtual + Physical (physical debit card in early access rollout, US, as of June 2026) - Network: Visa Prepaid - Custody: Self-custody - Countries available: United States (except New York) - KYC: Yes - Regions with KYC: USA (excluding New York; international expansion planned) - Issuance fee: Free - Annual fee: Free - FX fee: Standard Visa FX rates - Cashback: None (no cashback program; earlier 'up to 8%' figure unverified) - Welcome bonus: None disclosed - Yield: Not on the card balance: yield requires depositing CASH into third-party apps such as Kamino ("Phantom does not set or guarantee these rates"), separate from the spendable balance. Card is US-only excluding New York (checked 2026-07-20) - IBAN / SWIFT / SEPA: US ACH bank transfers & direct deposit (US-only offchain features); no IBAN/SEPA - Blockchain top-up: Solana only (CASH stablecoin on Solana; cannot receive from Ethereum/Polygon) - Top-up methods: CASH stablecoin (1:1 USD-backed via Bridge); free stablecoin-to-CASH swaps; 0.85% fee for non-stablecoin swaps; SOL and Solana ecosystem tokens supported - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: ATM supported but fees not disclosed; physical card coming - Daily spending limit: Based on CASH balance - Official site: https://phantom.com/cash - Editor note: Phantom Cash shipped in early access on December 30, 2025, with CASH as a Bridge-issued stablecoin, Lead Bank as the BIN sponsor, and Stripe handling KYC so Phantom never sees the user's legal name. The 8% cashback marketing number is not live yet at writing. What is live is the on-chain custody model: the CASH balance sits in the user's Phantom wallet until the moment of payment, and gas-free SPL settlement is fast enough that the wallet feels like a balance rather than a hot wallet. - Last reviewed: 2026-07-20 ## Pintopay Card https://sweepbase.net/cards/pintopay-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical (live; fund migration in progress as of June 2026, completion expected Aug 15 2026) - Network: Visa + Mastercard Prepaid - Custody: Custodial - Countries available: Austria, Belgium, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Israel, Italy, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, United Kingdom, United States, Uzbekistan - KYC: Yes (minimal for basic tiers) - Regions with KYC: 100+ countries globally - Issuance fee: Free - Annual fee: Free - FX fee: Standard Visa/Mastercard FX rates (~1-2%) - Cashback: None - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: None (virtual prepaid, HK-licensed partner) - Blockchain top-up: USDT only for card top-ups (TRC-20 primary); wallet supports BTC, ETH, USDT, USDC - Top-up methods: USDT only for card top-ups; wallet supports BTC, ETH, USDC - Mobile pay: Yes (Apple Pay) - ATM withdrawal limit: Available with physical card - Daily spending limit: Up to $300000/month, $10000/day - Official site: https://pintopay.me/ - Editor note: Pintopay is built for volume, not rewards. $300K monthly limits and $10K daily are real numbers, and the top-up flow for USDT-only funding is clean. What you're paying for: standard Visa and Mastercard FX rates of roughly 1–2%, a 12-hour top-up processing window on larger amounts, and withdrawal fees above $1K a month. No cashback, corporate card format only. For OTC desks, payroll systems running on USDT, or anyone moving six-figure volumes a month, this card's infrastructure is the point. Retail users will find cheaper options with actual rewards. - Last reviewed: 2026-06-22 ## Plasma One Card https://sweepbase.net/cards/plasma-one-card - Issuer (issuer, named in the card's own terms): Rain (Signify Holdings, Inc.) — USA (New York) - Card type: Virtual only - Network: Visa Prepaid - Custody: Self-custody - Countries available: 150+ countries (site figure); US residents served via Bridge Building Inc.; early rollout prioritised Turkey, Argentina, UAE, Brazil, Mexico, Colombia, Nigeria, Kenya, South Africa, India, Indonesia, Philippines, Vietnam - KYC: Yes - Regions with KYC: 150+ countries; US residents served via Bridge Building Inc. (per Plasma disclosures) - Issuance fee: Free - Annual fee: Free - FX fee: FX markup by tier: Lite 1%; Core 0.5%; Platinum 0% - Cashback: Laddered tiered cashback (rates and locks live in Plasma's Help Center, subject to change; figures as of July 7 2026): Lite (free) 2% on first $500/month then 0.1%; Core ($199/yr or 20,000 XPL locked 12 months) 3% on first $1,000 stepping down to 0.25% past $3,000, +5% on AI subscriptions; Platinum (100,000 XPL locked 12 months, rising to 150,000 after the launch promo) 4% on first $3,000, 3% on next $7,000, 2% on next $5,000, 1% beyond, +10% AI, 10% on partner airlines up to $600/yr. Accrues in USD; paid weekly (Thursdays) in XPL at Plasma's election. Core pricing was raised from $120/yr and a 10,000 XPL lock within three weeks of launch. - Welcome bonus: 30-day Core-tier trial for new users with qualifying deposits (no cash sign-up bonus; app live since June 17 2026) - Yield: Yes, on the spendable balance (opt-in, vault-gated): "Keep earning on your balance until you spend", up to 6% APY (variable, tier-based), but the FAQ describes depositing into an Earn vault first ("Once you deposit into the Earn vault, your balance keeps accruing yield"). Third-party DeFi vaults via Veda, explicitly not a deposit and not insured; cashback is separate and paid in XPL (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA: Yes — EUR deposits/withdrawals via a dedicated virtual account on the SEPA rail (confirmed in Plasma's June 19 2026 launch announcement, reconfirmed in-app: 'Deposit and withdraw in more local currencies, including EUR, GBP, MXN, and BRL where supported'); IBAN: Not explicitly named to users (routed through Plasma's own virtual-account/vIBAN infrastructure per its 'What Is a Virtual Account' explainer, not a personally-issued IBAN); SWIFT: Not disclosed - Blockchain top-up: USDT on Plasma chain at launch, expanding to more stablecoins/networks - Top-up methods: USDT stablecoins on Plasma L1 blockchain - Mobile pay: Apple Pay (iOS); Google Pay via manual add (in-app Android support coming) - ATM withdrawal limit: Not available yet (unlocks when the physical card ships) - Daily spending limit: Based on balance - Official site: https://www.plasma.org/personal - Editor note: The chain underneath the card (Plasma L1) does the work that most crypto cards rely on their issuer to do. Zero-fee USDT transfers on specific routes are native to the L1, not negotiated by the issuer. The wrinkle is the rewards fine print: cashback tops out at 4% but steps down across monthly spend bands, and the caps and XPL lock sizes live in a Help Center Plasma can edit at any time — Core already went from $120/yr or a 10,000 XPL lock at launch to $199/yr or 20,000 XPL three weeks later. Payouts land in XPL, a young L1 token whose price has not yet stabilised. Live since June 17, 2026, iOS first, initially gated to XPL holders. Coherent as a bet on the Plasma ecosystem; as a daily spending tool, read the ladder before counting on the headline rate. - Last reviewed: 2026-07-20 ## Plutus Card https://sweepbase.net/cards/plutus-card - Issuer (BIN sponsor, named in the card's own terms): Modulr FS Limited — UK (FCA FRN 900573); EEA via Modulr Finance B.V. (DNB R182870) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Poland, Portugal, Romania, Spain, Sweden, The Netherlands, United Kingdom - KYC: Yes - Regions with KYC: UK and EEA (European Economic Area) only - Issuance fee: GBP 9.99 physical card (optional) - Annual fee: GBP 6.99/mo (Starter), GBP 9.99/mo (Everyday), GBP 19.99/mo (Premium) - FX fee: 2.5% FX fee on foreign currency transactions - Cashback: 3-9% cashback in Dynamic Reward Points — internal points during the 2026 FCA/MiCA licensing transition; PLU payouts ended (legacy PLU converted); plutus.it shows 'The 2026 Transition Update' banner, help.plutus.it DNS dead. Free tier was removed in 2026 — all plans now require a paid subscription. Starter plan: GBP 6.99/month, eligible spend capped at GBP 250/month = max GBP 7.50 cashback/month in Dynamic Reward Points. Net earnings after subscription: GBP 7.50 - GBP 6.99 = GBP 0.51/month profit. Everyday plan: GBP 14.99/month, cap GBP 500/month. Premium: GBP 29.99/month, cap GBP 1,000/month. 9% requires staking 40,000 PLU tokens (~GBP 5,200 at current prices). 2.5% FX fee on all non-domestic transactions (was previously 0%). Perks (Netflix, Spotify rebates) require additional PLU staking to unlock slots. PLU token is volatile. UK/EEA only. Realistic cashback for a typical user on the cheapest plan: 3% on max GBP 250/month, netting ~GBP 0.51/month after fees. - Welcome bonus: ~£8/$10 welcome bonus in PLU for eligible new users (paid plans only as of 2026) - Yield: Not on the card balance: Compounding Rewards Yield pays 3-9% a year in CRY based on how much PLU you stack, vesting over 12 months, not on the card balance; the card itself is subscription-gated (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (Netherlands EUR IBAN), SEPA yes, UK sort code/acct; SWIFT not disclosed - Blockchain top-up: Ethereum (ETH, PLU); top-up mainly via fiat SEPA/Faster Payments - Top-up methods: GBP fiat deposits from UK bank account - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €300/day, 1% + €1.35 fee per withdrawal - Daily spending limit: Based on tier (£250-£22000/month for 3% rate) - Official site: https://www.plutus.it/ - Editor note: Run the Plutus arithmetic before subscribing. Starter costs £6.99 a month and caps eligible spend at £250, so the headline 3% cashback works out to £7.50 a month gross and 51p net of the subscription. The 9% rate at the top tier needs about £5,200 of PLU staked, which is what the rate is really compensating you for. I do not recommend this card without first running the user's actual monthly spend through the cap and the subscription. - Last reviewed: 2026-07-20 ## Rebind Card https://sweepbase.net/cards/rebind-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Physical only - Network: Visa Debit - Custody: Self-custody - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Switzerland - KYC: Yes - Regions with KYC: Europe — 32 countries including UK, EEA, Switzerland - Issuance fee: €30 (often waived via referrals) - Annual fee: Free - FX fee: 0% FX markup from Gnosis Pay infrastructure — only Visa's wholesale exchange rate is applied (no additional foreign transaction fee) - Cashback: Up to 5% in GNO tokens (1-4% base by GNO tier + 1% OG NFT bonus, weekly spend caps $250-$1,250 per tier). Interim programme extended to Sep 30 2026; successor partner-led programmes TBD. - Welcome bonus: None disclosed - Yield: Not on the card balance: the main account advertises up to 5% on EUR and 8% on USD with auto-compounding, but the card is funded by a manual transfer from that account into a separate card balance (Gnosis Pay white-label) (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (personal virtual IBAN via Monerium), SEPA yes; SWIFT not disclosed - Blockchain top-up: Gnosis Chain (EURe, GBPe, USDCe via Monerium); Monerium also supports Ethereum and Polygon for stablecoin minting - Top-up methods: EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 - Daily spending limit: €8000/day - Official site: https://rebind.co/ - Editor note: Rebind is the same Gnosis Pay infrastructure with European onboarding plugged in. You spend EURe, GBPe, or USDCe straight from a Gnosis Safe you control; Monerium handles the IBAN and SEPA. Cashback is up to 5% in GNO tokens through an interim programme ending March 31, 2026, so the window is closing fast. The FX bit is what I keep coming back to: Gnosis Pay does not add a foreign transaction fee, so Visa's own wholesale rate is the only exchange cost on a cross-currency purchase. Physical card only, no virtual. 32 European countries including UK, EEA, and Switzerland. Narrow scope, but it's the best European self-custody card I've tested. - Last reviewed: 2026-07-20 ## RedotPay Card https://sweepbase.net/cards/redotpay-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Custodial - Countries available: Andorra, Argentina, Austria, Bahrain, Belgium, Brazil, Chile, Colombia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Peru, Poland, Portugal, Qatar, San Marino, Saudi Arabia, Slovakia, South Africa, Spain, Sweden, Switzerland, Turkey, United Arab Emirates, United Kingdom, Vatican City - KYC: Yes - Regions with KYC: 100+ countries globally (see official unsupported list) - Issuance fee: Virtual $10; Physical $100 - Annual fee: Free - FX fee: 1% crypto conversion + 1.2% FX fee on non-base currency - Cashback: None (no ongoing cashback program; historical promos were time-limited and expired) - Welcome bonus: $5 sign-up reward with referral code upon registration and first card issuance - Yield: Yes, on the spendable balance (opt-in): "You can spend both unconfirmed and confirmed funds with your RedotPay Card", and confirmed funds still accrue rewards on the day you spend. ~6.5% USDT / 6.7% USDC flexible APY (variable, +1% with Pro), min 100 USDC/USDT, selected regions (checked 2026-07-20) - IBAN / SWIFT / SEPA: No IBAN/SEPA/SWIFT account; crypto-to-fiat card only - Blockchain top-up: BTC, ETH, USDT, USDC across Ethereum, Tron, BSC, Polygon, Bitcoin, Solana - Top-up methods: BTC, ETH, USDT, USDC (ERC20, TRC20, BSC, ARB) plus 20+ major cryptos - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: $100000/transaction, $1M/day (exceptional limits) - Daily spending limit: Based on verification and KYC - Official site: https://www.redotpay.com/ - Editor note: RedotPay has the highest published limits of anything I've tested: $100K per transaction, $1M daily. Whether you'll ever hit those is another question. The fee stack is 1% crypto conversion plus 1.2% FX on non-base currency, plus a $100 issuance for the physical card and $10 for virtual. No baseline cashback program, though promos come and go. Telegram Mini App access is well-designed. I tested TRC20 USDT funding and the conversion matched their quoted spread within 20 basis points. If you run seven-figure monthly crypto spending and need real headroom, this is one of the few cards that actually handles it. For normal volumes the cost is high. - Last reviewed: 2026-07-20 ## Revolut Card https://sweepbase.net/cards/revolut-card - Issuer (issuer, named in the card's own terms): Revolut Bank UAB / Revolut Ltd — Lithuania (Bank of Lithuania) + UK (FCA FRN 900562) - Card type: Virtual + Physical - Network: Visa + Mastercard Debit - Custody: Custodial - Countries available: UK, EEA (all 30 states), Switzerland, US, Australia, Brazil, Japan, New Zealand, Singapore; Mexico waitlisted. Per Revolut's published supported-countries page. CFD trading is EEA-only and not listed in the UK product index. - KYC: Yes - Regions with KYC: UK, EEA, Switzerland, US, Australia, Brazil, Japan, New Zealand, Singapore - Issuance fee: Free - Annual fee: Standard/Plus/Premium Free; Metal £14.99/month; Ultra £45/month - FX fee: 1% weekend crypto conversion fee; standard Visa/Mastercard FX rates - Cashback: Metal/Ultra: 0.1% in Europe and 1% outside Europe; Other tiers: none - Welcome bonus: Promotional sign-up bonuses vary (e.g. 3 months Premium free, £/$10-100 referral); requires KYC + qualifying txn - Yield: Not on the card balance: "When you put money into an Instant Access Savings Account, it is deducted from your main Revolut account" - the card spends the main balance. Up to 2.9% (Standard) to 4% (Ultra) AER in the UK, varying by country, plan and currency (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (EU full IBAN), SEPA yes (free within Eurozone), SWIFT yes (via international transfers) - Blockchain top-up: Buy crypto in-app via fiat; Polygon integration for crypto payments; no direct external blockchain top-up to card - Top-up methods: 200+ cryptocurrencies including BTC, ETH, USDC; 30+ fiat currencies - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $200-$1200/month free (by plan), 2% after - Daily spending limit: Based on account tier - Official site: https://www.revolut.com/ - Editor note: Revolut has two crypto stories on the same plastic. The mainstream Visa/Mastercard pulls a 1% weekend conversion fee and is available wherever Revolut operates. The RevolutX crypto-specific card is live only in the UK and Switzerland. Cashback starts at the £12.99/month Metal tier at 0.1% in Europe and 1% outside, which means the break-even spend before cashback covers the subscription is the first decision a UK user needs to make. - Last reviewed: 2026-07-20 ## Rizon Card https://sweepbase.net/cards/rizon-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical (limited availability) - Network: Visa Debit - Custody: Self-custody - Countries available: Albania, Andorra, Antigua and Barbuda, Argentina, Armenia, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belize, Bhutan, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Burundi, Cambodia, Canada, Chad, Chile, Colombia, Comoros, Congo, Costa Rica, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Fiji, Gabon, Georgia, Grenada, Guatemala, Guyana, Honduras, Iceland, Indonesia, Jamaica, Japan, Jordan, Kazakhstan, Kiribati, Kuwait, Kyrgyzstan, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Madagascar, Malawi, Malaysia, Maldives, Marshall Islands, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montenegro, Morocco, Nauru, New Zealand, North Macedonia, Norway, Oman, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Serbia, Seychelles, Singapore, Slovakia, Slovenia, Solomon Islands, South Korea, Sri Lanka, Suriname, Switzerland, Tajikistan, Thailand, Timor-Leste, Tonga, Tunisia, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vatican City, Zambia, Zimbabwe - KYC: Yes - Regions with KYC: US and Latin America residents; usable in 147+ countries - Issuance fee: $10 - Annual fee: Free - FX fee: 2.5% + $0.10 on non-USD (without Rizon+); 1.25% with Rizon+ ($0.99/mo). Rizon Plus subscription cuts fees by 50%. - Cashback: 2.5% cashback in RizPoints on all eligible purchases. Tiered rewards (Basic/Silver/Gold/Emerald/Diamond) with improving rates. RizPoints redeemable for gifts/rewards. - Welcome bonus: Referral/promo code gives new-user bonus; no fixed cash welcome bonus - Yield: No - IBAN / SWIFT / SEPA: No native IBAN; funding via SEPA (EU) / ACH (US) supported; no dedicated user IBAN - Blockchain top-up: USDC/USDT on Solana, Polygon, Arbitrum, Avalanche, Optimism, Base (self-custody smart wallet) - Top-up methods: USDC USDT on Solana Polygon Arbitrum Avalanche Optimism Base (no pre-loading required; spends directly from wallet) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Available with physical card; 2% + $3 fee - Daily spending limit: Unlimited for verified users - Official site: https://www.getrizon.com/card - Editor note: Rizon is Rain-infrastructure with self-custody on top, which makes it one of a very short list of cards that keep your USDC or USDT in your own smart contract wallet until the moment of purchase. Six-blockchain support covers the networks a stablecoin holder actually uses. The cashback headline of "up to 5%" refers to a future Metal tier that hasn't shipped yet. Base earnings are 2% in RizPoints. The Rizon Plus subscription at $0.99 a month cuts FX fees in half to 1.25%. US and Latin America residents only. Physical card timing is still unclear. If you're a stablecoin-first self-custody user in the Americas, this is currently the cleanest option. - Last reviewed: 2026-06-22 ## Slash Card https://sweepbase.net/cards/slash-card - Issuer (BIN sponsor, named in the card's own terms): Orient Corporation (Orico, 株式会社オリエントコーポレーション) — Japan (Tokyo; consumer-credit provider registered under the Installment Sales Act) - Card type: Virtual + Physical (both live; issuance to pre-registrants began 20 Apr 2026, general applications targeted for around Aug 2026; Japan only) - Network: Visa Prepaid - Custody: Custodial — USDC is topped up from the holder’s own wallet across several networks, but the card balance is then held and managed by the programme ("カード残高はUSDCで管理") - Countries available: Japan - KYC: Yes — invitation email first, then account creation, identity verification and a USDC top-up. The service is for Japan residents aged 18 or over - Regions with KYC: Japan only — "本サービスは、18歳以上の日本在住者を対象としています" (product page, checked 2026-07-31) - Issuance fee: Physical 70 USDC (35 USDC during the beta campaign); Virtual 20 USDC - Annual fee: Free for the first year, then 20 USDC a year on either card type - FX fee: Not yet disclosed - Cashback: None. A referral rewards programme is listed as "Coming Soon" on the product page (checked 2026-07-31) - Welcome bonus: None disclosed. A referral rewards programme is marked "Coming Soon" on the product page - Yield: Not on the card balance: Japan-only product whose model routes investment yield into the card's credit line rather than paying interest on a spendable balance; SVL token staking pays a separate revenue share. Card is in invited beta (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes, SWIFT yes (180+ countries), SEPA supported; Global USD account - Blockchain top-up: USDC/USDT across 9+ networks: Ethereum, Base, Solana, Arbitrum, Polygon, Avalanche, Tron, and more - Top-up methods: USDC from a connected self-custody wallet; multiple networks supported with more listed as coming soon. The card balance itself is denominated in USDC - Mobile pay: Expected (likely Apple Pay; Google Pay) - ATM withdrawal limit: Not yet disclosed - Daily spending limit: Not yet disclosed - Official site: https://pre-card.slash.vision/ - Editor note: I added Slash when Japan signed off on the first stablecoin-funded card to clear local compliance, and the row sat half-wrong until 31 July 2026, when I went back to the primary announcement. Two corrections matter. The partners were not SoftBank Payment Service and LifeCard — that came from early press. The joint release from iQuitous, Slash Vision and Orico dated 20 April 2026 splits the roles plainly: Slash Vision PTE. LTD. (Singapore) is programme manager and brand owner, 株式会社アイキタス (iQuitous, Tokyo) is the card issuer handling customer management and systems, and 株式会社オリエントコーポレーション (Orico) is the BIN sponsor. The second correction is a name collision that had contaminated three fields of this row: Slash Financial, Inc. at slash.com is an entirely different company — US business banking, a Slash Platinum Card issued by Column N.A. to KYB-verified businesses, and a named Rain client. Nothing about it belongs here, and both products being Visa means the network cannot be used to tell them apart. On the product itself: it is sold as a credit card and Orico is a registered credit provider under the Installment Sales Act, but the spending mechanic is prepaid — you load USDC from your own wallet, the balance is then held in USDC by the programme, and each purchase draws on it while the merchant is paid in yen. Pricing off the live page on 31 July: physical card 70 USDC, discounted to 35 USDC during the beta campaign, virtual card 20 USDC, no annual fee in year one and 20 USDC a year after that on either. Eligibility is narrow and explicit: Japan residents aged 18 or over, invitation email first, then KYC. Pre-applications opened June 2025, issuance to those pre-registrants started 20 April 2026, and general applications are only targeted for around August 2026 — so for most readers this is still a waitlist. No FX or ATM schedule is published anywhere, and the rewards programme is still marked coming soon. - Last reviewed: 2026-07-31 ## Solayer Card https://sweepbase.net/cards/solayer-card - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical (premium metal) - Network: Visa Debit - Custody: Self-custody - Countries available: Anguilla, Antigua and Barbuda, Argentina, Aruba, Bahamas, Bahrain, Bangladesh, Barbados, Belize, Benin, Bermuda, Bhutan, Bolivia, Botswana, Brazil, Brunei, Cape Verde, Cayman Islands, Chad, Chile, Colombia, Comoros, Congo, Costa Rica, Curaçao, Djibouti, Dominica, Dominican Republic, Ecuador, El Salvador, Equatorial Guinea, Eswatini, Ethiopia, Falkland Islands, Fiji, French Guiana, French Polynesia, Gabon, Gambia, Ghana, Gibraltar, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea-Bissau, Guyana, Honduras, Hong Kong, Isle of Man, Japan, Jersey, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Lesotho, Liechtenstein, Macau, Madagascar, Malawi, Maldives, Martinique, Mauritania, Mauritius, Mexico, Micronesia, Mongolia, Montserrat, Namibia, Nauru, Niue, Northern Mariana Islands, Oman, Pakistan, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Puerto Rico, Rwanda, Réunion, Saint Barthélemy, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Samoa, Sao Tome and Principe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Singapore, Sint Maarten, Solomon Islands, Sri Lanka, Suriname, Taiwan, Tajikistan, Tanzania, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uruguay, Uzbekistan, Wallis and Futuna, Zambia, Zimbabwe - KYC: Yes - Regions with KYC: 100+ countries globally - Issuance fee: Free for existing users; $20/year for new users (physical card launched May 27, 2026) - Annual fee: Free - FX fee: $0.10 + 1.5% FX fee; $0.15 per transaction; 1% top-up fee - Cashback: Emerald Points only (1 point per $1 spent, up to 5x multiplier) + partner token airdrops; no live cash cashback — the 1% ongoing and 10% first-transaction offers were limited promos that ended Aug 2025; solayer.org/card now 404. - Welcome bonus: 10% cashback on first transaction; early users got promo cashback up to 10% (Jul-Aug 2025) - Yield: Not on the card balance: the card debits the topped-up USDC spending balance, while sUSD (4-5% Treasury-backed yield) sits on the savings side - the docs frame it as "Switch between spending and saving anytime". sSOL staking is likewise separate (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (non-custodial crypto card, no bank account) - Blockchain top-up: Solana (USDC/sUSD); 1% top-up fee - Top-up methods: sSOL (liquid staking token), sUSD (Treasury-backed stablecoin) on Solana/InfiniSVM - Mobile pay: Yes (Apple Pay; Android Pay) - ATM withdrawal limit: Expected with physical card - Daily spending limit: Based on wallet balance - Official site: https://solayer.org/product/solayer-pay - Editor note: Live as of July 2026: the Solayer Pay Visa spends USDC at Visa merchants, stays in your own Solana wallet until purchase, and earns Emerald Points only — the 1% cash promo ended in August 2025. The catch is availability. This card is geo-fenced and KYC-gated, and several markets look restricted, so confirm your country and state before applying. New users also owe a recurring $20 annual activation fee that existing Solayer Pay users skip. - Last reviewed: 2026-07-20 ## SolCard https://sweepbase.net/cards/solcard - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa + Mastercard Prepaid - Custody: Custodial - Countries available: Canada, United Kingdom, Germany, France, Spain, Italy, Netherlands, Belgium, Poland, Sweden, Japan, Hong Kong, Singapore, India, Australia, New Zealand, Brazil, Mexico, Argentina, South Africa, Nigeria, Kenya (25+ countries; excludes United States and Russia) - KYC: Mastercard: No KYC up to $10000/month; Visa: Full Access KYC required - Regions with KYC: 25+ countries (Canada, UK, EU, Japan, HK, Singapore, India, Australia, NZ, Brazil, Mexico, select Africa; excludes US, Russia) - Issuance fee: Free (virtual) - Annual fee: Free - FX fee: Mastercard: 5% top-up fee, 2% FX; Visa Full Access: 0% top-up, 2% FX - Cashback: No live rewards programme as of Jul 2026; SOLC stake-for-cashback is announced in tokenomics but not launched - Welcome bonus: None (no public welcome bonus) - Yield: No - IBAN / SWIFT / SEPA: None (prepaid card, no bank account) - Blockchain top-up: Solana (SOL, USDC, USDT, SOLC, JITO) + multichain: Ethereum, Polygon, BSC, Arbitrum, Optimism, Avalanche, Base, HyperEVM - Top-up methods: SOL USDT USDC $SOLC (Solana SPL tokens only) - Mobile pay: Yes (Apple Pay; Google Pay on Full Access Visa only) - ATM withdrawal limit: Not available (virtual only) - Daily spending limit: Mastercard: $10000/month; Visa Full Access: $100000/month - Official site: https://www.solcard.cc/ - Editor note: The no-KYC Mastercard tier on SolCard accepts up to $10,000 a month in spend without identity verification. The price of that privacy is a 5% top-up fee, which is the actual cost to model. (The Visa-tier no-KYC option was discontinued mid-2025; current Visa cards require KYC.) For a Solana user who values the no-KYC tier and is willing to eat 5% on the load, the math works at low monthly throughput and breaks at high throughput, where the percentage compounds. - Last reviewed: 2026-06-22 ## Solid Card https://sweepbase.net/cards/solid-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Lead Bank — USA (Missouri state-chartered) — via Bridge (Stripe-owned program manager) - Card type: Virtual + Physical (coming) - Network: Visa Debit - Custody: Self-custody - Countries available: United States, Brazil, Mexico, Argentina, Colombia, Peru, Chile, Dominican Republic, Costa Rica, South Africa, Nigeria, Kenya, Ghana, Egypt (150+ countries claimed via Visa; full list not disclosed) - KYC: Yes - Regions with KYC: US Latin America Africa (150+ countries claimed) - Issuance fee: Free - Annual fee: Free - FX fee: 1% foreign transaction fee - Cashback: Tiered and paid in USDC, not in FUSE: 3% Core (cap $50/mo), 4% Prime (cap $100/mo), 5% Ultra (cap $200/mo); credited 14 days after the transaction settles, lands in the Solid Wallet as a USDC balance. Corrected 2026-07-15 from "3% in FUSE tokens" — that was wrong on currency and cap. Solid's own help centre: "Cashback is paid in USDC… Because cashback is already in USDC, there is nothing to convert." FUSE is a deposit asset on Solid, not the reward currency; the two were conflated. See support.solid.xyz/en/articles/15373733 - Welcome bonus: None disclosed - Yield: Yes, on the spendable balance: the balance is held as SoUSD, a yield-bearing stablecoin that accrues while unspent. Up to 14% APY advertised, paid daily, no lockups (non-custodial DeFi yield, "up to" rate varies); separate cashback up to 3% (checked 2026-07-20) - IBAN / SWIFT / SEPA: Not applicable - Blockchain top-up: Not applicable - Top-up methods: USDC deposits convert to SoUSD (yield-bearing stablecoin) on Fuse network - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Expected with physical card - Daily spending limit: Based on SoUSD balance - Official site: https://www.solid.xyz/ - Editor note: Two things in this row were wrong until 2026-07-15 and are worth naming. The cashback is paid in USDC, not FUSE — Solid's own site says so, and FUSE is a deposit asset there, not the reward currency; the two had been conflated. And the card was flagged pre-launch, which it is not: solid.xyz today runs Log in, Sign up and Get your card, with apps live in the Apple and Google stores. Rates are tiered with monthly caps: 3% Core ($50/mo), 4% Prime ($100/mo), 5% Ultra ($200/mo), so read the cap before the headline rate. Yield on idle balance is the real draw here. - Last reviewed: 2026-07-20 ## Spritz Card https://sweepbase.net/cards/spritz-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical (rolling out) - Network: Visa Signature Credit - Custody: Hybrid custody - Countries available: Anguilla, Antigua and Barbuda, Argentina, Aruba, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Cayman Islands, Central African Republic, Chad, Chile, China, Comoros, Congo, Cook Islands, Costa Rica, Croatia, Cyprus, Czechia, Democratic Republic of the Congo, Denmark, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Fiji, Finland, France, French Guiana, French Polynesia, Gabon, Gambia, Georgia, Germany, Ghana, Granada, Greece, Greenland, Guadeloupe, Guam, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Macau, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Monaco, Mongolia, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Barthelemy, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Sudan, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Wallis and Futuna, Western Sahara, Zimbabwe - KYC: Yes - Regions with KYC: 140+ countries (US, Canada, most of Europe) - Issuance fee: Free - Annual fee: Free - FX fee: Conversion fee starting at 0.5% (varies by token/network/size, averaging ~2%); standard Visa Signature rates - Cashback: Up to 5% on travel/dining/hotels paid as Spritz Credits — promotional, activated at each card load (not a permanent base rate). - Welcome bonus: $25 Spritz Credits after $100 transacted within 30 days (requires referral/promo code at sign-up) - Yield: No - IBAN / SWIFT / SEPA: None (non-custodial card, no bank account) - Blockchain top-up: 14+ networks: Ethereum, Polygon, Avalanche, BNB Chain, Arbitrum, Optimism, Base and more (50k+ tokens) - Top-up methods: 50000+ tokens across 14+ blockchains including Ethereum, Polygon, Arbitrum, Optimism, Base, zkSync, Avalanche, BNB Chain, Fantom - Mobile pay: Yes (Apple Pay; Google Wallet) - ATM withdrawal limit: Expected with physical card - Daily spending limit: US/Canada: $150000/day; International: $10000/day - Official site: https://www.spritz.finance/ - Editor note: Spritz is live and easy to get: virtual cards issue instantly after KYC, and the physical Visa Signature is in an early-access alpha of about 3,000. The catch the marketing buries: "no fees" does not cover loading. Every top-up runs roughly 1%, split 0.5% crypto-to-fiat plus 0.5% card-load, $2 minimum, and higher on surcharged tokens. And the 5% travel cashback is a three-day "Shopping Spree" you unlock by loading, paid in Spritz Credits, not an ongoing rate. - Last reviewed: 2026-06-22 ## Tap Card https://sweepbase.net/cards/tap-card - Issuer (BIN sponsor, named in the card's own terms): Transact Payments Malta Limited — Malta (MFSA C 91879) - Card type: Virtual + Physical - Network: Mastercard Debit - Custody: Custodial - Countries available: United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway - KYC: Yes - Regions with KYC: 40+ European countries (EEA focused) - Issuance fee: £12.99 (physical card) - Annual fee: Free - FX fee: 1.99% is trading fee — card FX not disclosed; higher tiers get lower FX - Cashback: 0.5% cashback on the free Essential tier, up to 8% on Prestige tier. Cashback paid in XTP tokens. Critical catch: all cashback XTP tokens are locked for 1 year from the receipt date — you cannot sell or use them for 12 months. Tier requirements by XTP holdings: Standard (EUR 500) = 1%, Gold (EUR 2,500) = 2%, Platinum (EUR 15,000) = 6%, Prestige (EUR 25,000) = 8%. XTP is a low-liquidity token; selling even modest amounts can move the price. No Apple Pay support. Realistic cashback for a typical user: 0.5% in XTP tokens (locked for 1 year, illiquid). - Welcome bonus: Previously EUR 6 BTC welcome bonus (ended); current referral-based rewards only - Yield: Not on the card balance: "Add eligible crypto to your Earn vault" - up to 8% APY on USDT/USDC, up to 2.5% on BTC, paid weekly with no lock-ups, but the vault is a separate deposit and the top tiers are gated by locking XTP (checked 2026-07-20) - IBAN / SWIFT / SEPA: Yes — personal EUR & GBP IBANs (SEPA); SWIFT not explicitly confirmed - Blockchain top-up: Fiat top-up via SEPA/FPS free; crypto from in-app wallet (BTC, ETH, XRP, XTP and many others) - Top-up methods: 45+ cryptocurrencies including BTC, ETH, USDT, USDC - Mobile pay: Not enabled (Apple Pay unavailable; Google Pay not specified) - ATM withdrawal limit: €1500/day, no ATM fees - Daily spending limit: €15000/day - Official site: https://withtap.com/global - Editor note: Tap's catch is the cashback lock-up. The XTP tokens paid as rewards are non-transferable for twelve months from the receipt date, which the card-page copy does not put next to the 'up to 8%' headline. By the time the lock-up clears, the realised value of the reward depends on how XTP has moved over the full year. The 0.5% Essential tier is fine. The high-cashback tier is only the right call if the user is comfortable holding XTP through the lock and the volatility. - Last reviewed: 2026-07-20 ## TapX Card https://sweepbase.net/cards/tapx-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa + Mastercard - Custody: Self-custody - Countries available: Global (issuance country not publicly disclosed) - KYC: Yes (varies by tier) - Regions with KYC: Global acceptance at online and contactless merchants - Issuance fee: Varies by tier - Annual fee: None (prepaid) - FX fee: 1.50% cross-currency; 0% same-currency - Cashback: None disclosed - Welcome bonus: None (no advertised sign-up bonus) - Yield: No - IBAN / SWIFT / SEPA: Not disclosed - Blockchain top-up: Self-custody crypto loading; 70+ cryptos including BTC, USDT; specific chains not disclosed - Top-up methods: Crypto and fiat top-ups supported, details not fully disclosed - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not available (virtual only) - Daily spending limit: Based on card tier and verification level - Official site: https://tapxcard.io/ - Editor note: TapX sells four virtual card products under both schemes: Visa Premium, Visa E-commerce, Mastercard Pro and Mastercard Infinity, priced 25-65 USDT, and its FAQ says the cards work anywhere Visa or Mastercard is accepted. The earlier 'undisclosed' listing here was wrong, and wrong for an instructive reason: tapxcard.io/cards is client-rendered, so a plain fetch of it returns zero network names and only a rendered browser pass shows the four products. Never conclude 'the site names no network' from a raw fetch. Two fields still do not check out against the official site, which says nothing about either: the self-custody classification and the 70+ coin support both trace to third-party aggregator profiles, not to TapX, and the site presents itself as virtual-cards-only. Treat custody here as unverified. Checked 2026-07-15. - Last reviewed: 2026-07-15 ## Trade Republic Card https://sweepbase.net/cards/trade-republic-card - Issuer (issuer, named in the card's own terms): Trade Republic Bank GmbH — Germany (BaFin, credit institution since 2023) - Card type: Physical (virtual coming) - Network: Visa Debit - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: Germany and EU primarily - Issuance fee: Free - Annual fee: Free - FX fee: 0% foreign exchange fees - Cashback: Saveback: 1% on eligible purchases if depositing additional €50/month - Welcome bonus: No sign-up bonus; 1% Saveback on card (requires EUR 50/mo recurring invest); EUR 10 referral bonus after EUR 100 deposit - Yield: Yes, on the spendable balance: 2.25% p.a. on uninvested EUR cash, Germany (variable; other markets differ, e.g. 3.04% TAE in Spain). Trade Republic credits partner banks and liquidity funds rather than the ECB, so treat any ECB linkage as inference; interest reportedly capped around EUR 50,000 (checked 2026-07-20) - IBAN / SWIFT / SEPA: Yes — German IBAN issued in user's name; SEPA yes; SWIFT via German banking license - Blockchain top-up: No direct blockchain top-up — EUR deposits only; external crypto deposits not supported - Top-up methods: EUR deposits; must buy crypto on platform (cannot deposit from external wallets) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €1500/day; over €100 withdrawals have €1 fee waived - Daily spending limit: Based on account balance - Official site: https://traderepublic.com/en-de - Editor note: Trade Republic is not really a crypto card, it is a brokerage card that happens to support 54 crypto assets bought on the platform. You cannot fund the card with external crypto, which is the line that separates it from every other product on the list. For a German reader already running their Sparplan through Trade Republic and adding crypto inside the same account, the 0% FX and the 1% Saveback (gated by a €50 monthly recurring invest) are real. For someone who wants to bring crypto in from a wallet, the card is the wrong tool. - Last reviewed: 2026-07-20 ## Tria Card https://sweepbase.net/cards/tria-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical - Network: Visa Signature - Custody: Self-custody - Countries available: Afghanistan, Albania, Algeria, Andorra, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Central African Republic, Chad, Chile, Colombia, Comoros, Congo, Costa Rica, Croatia, Czechia, Democratic Republic of the Congo, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Honduras, Hungary, Iceland, Indonesia, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nauru, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Tuvalu, Uganda, United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vanuatu, Vatican City, Yemen, Zambia, Zimbabwe - KYC: Yes - Regions with KYC: 150+ countries; United States excluded (per Tria card terms) - Issuance fee: Virtual $25; Plastic $109; Metal $250 (Card Terms, 9 Jan 2026) - Annual fee: Virtual $25; Plastic $109; Metal $250 — the contract lists the same amounts again as an annual fee (Card Terms, 9 Jan 2026) - FX fee: Measured on a live EUR purchase 28 Jul 2026: 2.64% over interbank in total, made of a 1.12% spread inside Tria's own rate (settled 1.1494 USD/EUR against the ECB reference of 1.1367), Visa's 1% FX fee, and Tria's 0.50% fee (halved from 1% by the Premium subscription). A $0.15 per-transaction convenience fee is charged on lower tiers and waived on Premium; on a EUR 1 purchase that alone would have been 13%. Advertised separately: 1% intl fee (US card), up to 3% FX (intl card) - Cashback: Tiered cashback: Virtual 1.5% (capped $100/mo then 0.5%), Signature 4.5% (capped $1,000/mo then 1%), Premium 6% (capped $2,000/mo then 1%). Paid in stablecoins (USDC and/or USDT) to the connected self-custody wallet per Tria Card Cashback Terms, docs.tria.so, updated 1 Jun 2026; distribution can lag up to 12 months after the cashback period and undistributed cashback is forfeited on account closure. Cashback has no token payout; a TRIA token exists only in separate Airdrop Terms. 100% crypto collateral required. Realistic cashback: 1.5-6% in USDC/USDT, deferred. First payout we observed landed 28 Jul 2026: $0.06 on a $1.16 charge at the Premium tier, after the all-time Cashbacks counter had read $0 for months. At that size a cent of rounding cannot separate 5% from the advertised 6%, so treat it as proof the mechanism pays, not as confirmation of the headline rate. - Welcome bonus: Airdrop campaign ($650K pool) + Tria Points for early adopters; up to 6% cashback tiers - Yield: Not on the card balance: the card is a 0% APR credit product with crypto collateral posted per dollar charged and auto-repaid from a linked wallet; the yield comes from separate self-custodial Earn strategies, advertised in-app at up to 10% APY on USDC on Ethereum (8% base plus 0.5-2pt membership boosts) and up to 22.17% APY on AUSD on Monad, both boosted rates that require a paid membership tier; a 117-day AUSD position held from 24 Jan to 21 May 2026 returned roughly 4.8% annualised (checked 2026-07-28) - IBAN / SWIFT / SEPA: None — Tria offers a USD bank account for US citizens only (per its own site); US accounts do not carry IBANs, and no IBAN, SEPA, or SWIFT feature is advertised anywhere. The prior 'IBAN included' claim was incorrect - Blockchain top-up: Bitcoin, Ethereum, Solana, Polygon, Arbitrum, Optimism (1000+ tokens, self-custodial) - Top-up methods: BTC, USDC and other major cryptocurrencies from any self-custody wallet - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Expected with physical card - Daily spending limit: Based on wallet balance and verification - Official site: https://www.tria.so/ - Editor note: Tria shipped the first self-custodial Bitcoin top-up for a debit card in December 2025, which is a genuine first. Before that, every self-custody card forced you to route BTC through a wrapper or a custodian. The reward tiers look good on paper at 6% for Premium, but that requires a paid subscription and the fine print caps the boosted rate at a narrow spending band. Base virtual tier runs 1.5%. The 1% international fee on the US card climbs to 3% on the international card. Account Abstraction smooths the UX but adds complexity during recovery. If self-custody BTC spending is your specific requirement, Tria is now the answer. For anything else, there are cheaper cards. One more thing worth separating: Tria also runs a points-farming and airdrop track next to the card, under its own Airdrop Terms. Treat that as a small side bonus, not a rewards programme. In practice the payouts have been pocket change, and none of it has anything to do with the cashback, which is paid in USDC/USDT. I ran the Earn side with my own money rather than a demo account: 1,000 AUSD in on 24 January, 1,015 back out on 21 May. That works out at roughly 4.8% annualised on the AUSD strategy, against the up-to-12% the marketing quotes, and the app's own realised-earnings counter read $0 the whole time. Most of that gap is slippage on the swap in and back out of the pool rather than the strategy underperforming, which is worth knowing before you park a small sum there: the round trip costs the same whether you bring a thousand dollars or ten. For scale, on 28 July the Earn tab was advertising up to 10% APY on USDC on Ethereum (8% base plus membership boosts of 0.5 to 2 points) and up to 22.17% on AUSD on Monad, both of them boosted numbers that need a paid tier. My 4.8% came out of that same AUSD pool. The rate on the tile is not the rate you keep. I also spent exactly one euro at the OpenStreetMap Foundation on 28 July to see what a euro really costs here, and Tria itemises that better than any card I have used. Interbank that day was 1.1367 dollars to the euro; Tria settled at 1.1494. That is a 1.12% spread living inside the rate, shown nowhere as a fee. Visa's 1% and Tria's own 0.50% sit on top, the second one halved from 1% by the Premium subscription. Total charged: $1.16, or 2.64% over interbank. The line that would have stung is the $0.15 convenience fee, waived on Premium; on a purchase that small it would have been 13%, which tells you the lower tiers are not built for small spending. Cashback came through as well, six cents, the first time that counter has moved after months at zero. On a sum this small a cent of rounding swamps the gap between 5% and 6%, so I am not calling the headline rate confirmed off one donation. Worth noting the plastic and the virtual card are not the same product: the virtual one is branded Visa Platinum, the physical Signature. Two things here I have not seen bettered anywhere in this category. The app is the best built one I have used: quick, coherent, and carrying far more than a card app usually bothers with, since perps through Hyperliquid and Decibel, the Earn strategies, statement export and that fee breakdown all sit in the same place without the thing feeling bloated. Support is the other one. Real people answer, and they answer fast. Day to day both of those count for more than a headline rate does. One real gripe, and it is the only one I have: the physical card. I paid $200 for it on 24 January. Six months on, nothing has reached me in Europe. Tria opens shipping country by country and mine still is not in the rollout. Everything else here does what it says on the tin; the plastic just keeps not arriving. One correction to the price I quoted there. The card terms dated 9 January 2026 price the tiers at $25 virtual, $109 plastic and $250 metal, and list those amounts twice over: once as a card-issue fee, once as an annual fee. The $200 I actually paid matches neither line, and Tria has run promotional pricing at least twice (early-adopter rates, and a spell where the virtual tier was given away). So read the published schedule as the ceiling the contract allows rather than a till receipt, and check the price in the app before you order. - Last reviewed: 2026-08-04 ## Trustee Card https://sweepbase.net/cards/trustee-card - Issuer (BIN sponsor, named in the card's own terms): Quicko sp. z o.o. — Poland (KNF) — licence REVOKED 21 Jan 2026 - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: EEA only (card usable worldwide at Mastercard merchants) - Issuance fee: Free (virtual) - Annual fee: Free - FX fee: 0.5% crypto conversion; 0% FX (Mastercard rate with no markup) - Cashback: None - Welcome bonus: None (referral program only) - Yield: No - IBAN / SWIFT / SEPA: IBAN yes (select EEA countries); SEPA yes (Instant + standard); SWIFT not disclosed - Blockchain top-up: BTC, ETH, USDT (ERC20/TRC20), USDC, SOL, NEAR, Binance Pay integration - Top-up methods: USDT, BTC, ETH, TRX and 30+ cryptocurrencies; supports TRC20, ERC20, SOL, NEAR - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: Available with physical card - Daily spending limit: Based on account balance - Official site: https://trustee.io/ - Editor note: Relaunched. The Quicko-issued Trustee card died when KNF revoked Quicko's authorisation on 21 January 2026, and Trustee Plus had a replacement running in February at 0% purchase fees. The new issuer is not disclosed anywhere. Trustee Global UAB holds a Lithuanian registration for custodial wallet services, which is not a payment or e-money licence, so the card runs on a partner's licence the company has never named. - Last reviewed: 2026-06-22 ## Tuyo Card https://sweepbase.net/cards/tuyo-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual (physical coming) - Network: Visa Debit - Custody: Self-custody - Countries available: Antigua and Barbuda, Argentina, Austria, Bahamas, Barbados, Belgium, Belize, Bermuda, Bolivia, Brazil, British Virgin Islands, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Mexico, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, United States - KYC: Yes - Regions with KYC: US, Spain, select EU and Latin America countries - Issuance fee: Free - Annual fee: Free - FX fee: Standard Visa rates - Cashback: TUYO reward points (pre-TGE: TUYO is NOT listed on Bitget or any exchange as of 2026-07-15 — checked against Bitget's spot symbol list and CoinGecko, zero matches; bitget.com/price/tuyo is a price-tracker stub reading 'Not listed'. Season 3 runs until TGE; airdrop sized by points earned). 'Buy Now, Pay Maybe' feature launched May 2026. - Welcome bonus: 500 pts ($25) after KYC + 1,000 pts ($50) after $100 spend (per some reviews); TUYO points/airdrop - Yield: Yes, on the spendable balance (opt-in): funds must be placed in a Tuyo Earn strategy, but the card then spends them in place - "The Tuyo Card can spend your USDC even while it is in an Earn strategy, so it keeps earning until you spend". Up to ~11% APY on USDC (variable, ~7% typical), ETH ~3%, BTC ~1.6%; Earn-balance spending can be switched off (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (Luxembourg via Bridge); USD/EUR/MXN virtual accounts; SEPA implied - Blockchain top-up: USDC on Base; deposits accepted from Ethereum, Base, Arbitrum, Optimism, Polygon - Top-up methods: USDC on Base network; automatic fiat-to-USDC conversion (USD/EUR/MXN) at no fee - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not available (virtual only; no PIN/ATM access) - Daily spending limit: Up to $50000+/day based on verification - Official site: https://tuyo.com/card - Editor note: Tuyo's edge is the salary-to-USDC automatic conversion. You set up a multi-currency IBAN, your employer pays in euro or dollar, funds land as USDC on Base in a wallet you actually control. Available in the US, Spain, and select EU and Latin American countries. The 11% APY DeFi yield on deposits is meaningful if you leave idle balances long enough. No ATM or PIN access yet, USDC on Base only, and physical cards are still pending. TUYO rewards token TGE is scheduled for early 2026, so treat current rewards as a placeholder. Narrow but genuinely innovative. Strongest fit for remote workers paid in fiat who want to accumulate stablecoins passively. - Last reviewed: 2026-07-20 ## UltimoPay Card https://sweepbase.net/cards/ultimopay-card - Issuer (BIN sponsor, named in the card's own terms): Joint Development Bank (JDB) — Laos - Card type: Virtual + Physical - Network: Visa + UnionPay Platinum - Custody: Custodial - Countries available: Global (offshore banking model; no formal eligibility list published) - KYC: Yes - Regions with KYC: Global (offshore banking model) - Issuance fee: $600 ($450 card issuance + $150 bank opening deposit) - Annual fee: $80/year ($50 bank maintenance + $30 wallet) - FX fee: 0.75% merchant/ATM transaction fee; 1% instant crypto-to-USD conversion (or free if you wait 72 hours) - Cashback: None - Welcome bonus: None disclosed (historical 1.5% APY on balance) - Yield: Yes, on the spendable balance: the verified account is a single offshore USD bank account that both pays 1.5% annual interest and funds the card ("High Annual Interest Rate at 1.5%" listed as a card advantage). Requires full verification (checked 2026-07-20) - IBAN / SWIFT / SEPA: None — the 'offshore bank account' runs on Joint Development Bank (JDB) in Laos, outside both the IBAN registry and SEPA; JDB was placed under EU sanctions in May 2026 (20th Russia sanctions package), and EU cardholders report card payments and ATM withdrawals failing with funds frozen since then - Blockchain top-up: BTC, USDT (ERC20, TRC20, BEP20) via Ultimo Wallet - Top-up methods: USDT, BTC (load to USD offshore account) - Mobile pay: Expected support - ATM withdrawal limit: $20000/day (may vary by country) - Daily spending limit: No stated spending limits - Official site: https://ultimopay.io/debit-card/ - Editor note: The catch is the issuing bank. UltimoPay's $600 Platinum Visa/UnionPay debit runs on a USD account at Joint Development Bank in Laos, which the EU hit with a transaction ban in mid-May 2026 for connecting to Russia's SPFS system, and European holders reported payments and ATM withdrawals getting rejected. With the $600 upfront non-refundable and top-ups irreversible, money can end up stuck on a card that fails in the EU; JDB said in June it disconnected from SPFS, so whether that still bites is unconfirmed. - Last reviewed: 2026-07-20 ## Uphold Card https://sweepbase.net/cards/uphold-card - Issuer (BIN sponsor, named in the card's own terms): Cross River Bank — USA (New Jersey state-chartered) - Card type: Virtual + Physical - Network: Visa (US) / Mastercard (UK) - Custody: Custodial - Countries available: United States (48 states + District of Columbia; excludes New York Louisiana Puerto Rico Guam US Virgin Islands), United Kingdom (excludes Jersey Guernsey Isle of Man British Overseas Territories) - KYC: Yes - Regions with KYC: USA and UK only - Issuance fee: Free - Annual fee: Free (Essential); $99.99/year (Elite) - FX fee: Premium tiers: 0% foreign transaction fees - Cashback: US Elite ($99.99/yr): 4% XRP on crypto/metals funding, or 3% XRP on bank funding. - Welcome bonus: Up to 6% XRP back (Elite) / 4% (Essential) for 90 days if signed up before Jan 1, 2026; up to 10% with direct deposit - Yield: Yes, on the spendable balance (opt-in): with Flexible Staking toggled on, eligible assets "earn rewards while remaining fully available for you to trade or spend" with no lock-up - "you can trade, sell, spend with your Uphold card or withdraw your funds at any time". Up to ~14% estimated by asset, shown net of a 20-25% commission; Boosted Staking is locked and not spendable (checked 2026-07-20) - IBAN / SWIFT / SEPA: vIBAN for EUR deposits; SEPA yes (free withdrawals); SWIFT not disclosed - Blockchain top-up: 300+ assets via Uphold wallet; crypto deposits supported (networks vary by asset) - Top-up methods: 300+ assets: cryptocurrencies, precious metals (gold, silver), fiat currencies - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $500/day (Essential), $2000/day (Elite); $2.95 fee (free for Elite) - Daily spending limit: Based on verification - Official site: https://uphold.com/ - Editor note: Uphold's pitch is the XRP cashback, paid out in XRP on US tiers (4% Elite, 2% Essential). The 6% promotional rate expired for new signups on January 1, 2026, which the marketing page still leans on more than it should. The UK card pays 1% in GBP and is a different product behind the same brand. For a US reader who already holds XRP and wants to dollar-cost into more, the card slots into that workflow. For everyone else, the 250-asset breadth on the underlying account is the reason to use Uphold, not the card. - Last reviewed: 2026-07-20 ## UR Card https://sweepbase.net/cards/ur-card - Issuer (BIN sponsor, named in the card's own terms): SR Saphirstein AG (Fiat24 / UR) — Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021) - Card type: Virtual only - Network: Mastercard Debit - Custody: Hybrid custody - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Liechtenstein, Norway, United Kingdom, Switzerland, Australia, New Zealand, Japan, Hong Kong, Singapore, Taiwan, South Korea, Brazil, Mexico, Argentina, South Africa, United Arab Emirates (45+ countries; excludes United States) - KYC: Yes - Regions with KYC: 45+ countries (Europe, Asia, Oceania, select Americas/Africa); US excluded - Issuance fee: Basic Free; Pro $24/month - Annual fee: Basic Free; Pro $24/month - FX fee: Pro: 0% crypto off-ramp fee (promotional); Basic: standard fees apply - Cashback: None - Welcome bonus: $5 referral bonus both sides after KYC + $5 spend; 3 months free Pro (Oct 7 2025–Jan 6 2026) - Yield: Yes, on the spendable balance (opt-in): "Holding USDe tokens on UR allows you to earn rewards automatically" (accrued daily, paid weekly to the wallet), and the card debits it - "If your USD balance is insufficient to cover a payment, your USDe balance will be automatically used" - once USDe is an Enabled Currency. Fiat balances earn nothing (checked 2026-07-20) - IBAN / SWIFT / SEPA: Swiss IBAN yes (EUR/CHF/USD/RMB); SEPA yes; SWIFT yes - Blockchain top-up: USDC/USDT/ETH/USDe on Ethereum, Arbitrum, Base, Mantle - Top-up methods: ETH, USDC, USDT, USDe across Arbitrum, Base, Ethereum, Mantle networks - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: Not available (virtual only) - Daily spending limit: €70000 fixed monthly limit (all tiers) - Official site: https://ur.app/ - Editor note: UR is live: a Swiss-regulated crypto neobank from Mantle that gives you a Swiss IBAN, a Mastercard, and SEPA plus SWIFT rails across about seven currencies. You fund the card by depositing crypto that auto-converts to fiat, and KYC is mandatory before you can use any of it. Two catches a shopper misses reading the pitch: US persons are excluded outright, and there is no cashback on card spending. - Last reviewed: 2026-07-20 ## Utorg Card https://sweepbase.net/cards/utorg-card - Issuer (BIN sponsor, named in the card's own terms): Wirex Limited — UK (FCA EMI, FRN 902025; England & Wales company 09334596) - Card type: Virtual only - Network: Not disclosed (Wirex issues on both networks; no primary document names the scheme) - Custody: Self-custody - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Ukraine - KYC: Yes - Regions with KYC: EEA residents only (excludes UK/US) - Issuance fee: Free (stated as time-limited) - Annual fee: Free - FX fee: ~0.5% crypto-to-EUR conversion + gas fees - Cashback: No cashback program disclosed; crypto top-up services suspended pending MiCA authorization from the Bank of Lithuania — the card cannot be funded with crypto today (see Editor Note) - Welcome bonus: None (zero fees promo on payments/FX for limited time) - Yield: No - IBAN / SWIFT / SEPA: Not disclosed (no IBAN/SEPA advertised); EEA-only card - Blockchain top-up: 200+ cryptos across 12 blockchains (non-custodial virtual card) - Top-up methods: 200+ cryptocurrencies across 12 blockchains - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not available (virtual only) - Daily spending limit: €50000/month - Official site: https://utorg.com/crypto-card - Editor note: We had this card closed since January and that was wrong. It moved off Quicko: terms dated 1 July 2026 route it through Chain Valley to Wirex Limited, an FCA-authorised e-money institution, and Quicko appears nowhere in them. The Android app was updated two days before this review. What I cannot confirm is that a new customer gets one unaided. When Utorg answered a complaint on Google Play in April it told users to watch for an emailed issuance link, which is a migration step rather than open signup. The two recent positive reviews both come from single-review accounts and one is marked as solicited. There is no iOS app despite the site claiming one, no document names the card network, and the MiCA authorisation is claimed on a blog and matched by no register entry I could find. Treat it as live and unverified. Ignore the old utorgcard.com domain: in a browser it redirects to a maintenance notice while still serving stale marketing to anything that is not a browser. Separately, Utorg's crypto top-up services are suspended pending MiCA authorization from the Bank of Lithuania, so the card cannot be funded with crypto today. - Last reviewed: 2026-07-20 ## Venmo Credit Card https://sweepbase.net/cards/venmo-credit-card - Issuer (issuer, named in the card's own terms): Synchrony Bank — USA (federal savings bank) - Card type: Physical - Network: Visa Signature - Custody: Custodial - Countries available: United States (crypto-cashback feature excludes Hawaii) - KYC: Yes - Regions with KYC: USA only - Issuance fee: Free - Annual fee: Free - FX fee: Standard Visa Signature rates (issued by Synchrony Bank) - Cashback: 3% top category; 2% second category; 1% all else (adjusted monthly); optional auto-convert cashback to crypto - Welcome bonus: Occasional targeted offers ($100–$200 after spend); no standard welcome bonus - Yield: No - IBAN / SWIFT / SEPA: None (US credit card, no IBAN/SEPA) - Blockchain top-up: No direct blockchain top-up (US credit card; cash-back auto-converts to BTC/ETH/LTC/BCH) - Top-up methods: USD credit line; optional crypto purchase via cashback - Mobile pay: Not specified (standard credit card) - ATM withdrawal limit: Available at Visa ATMs - Daily spending limit: Based on creditworthiness - Official site: https://venmo.com/about/creditcard - Editor note: Venmo's Visa Signature is a no-annual-fee US cash-back card from Synchrony Bank, not a crypto card: 3% on your top spend category, 2% on the second, 1% on the rest, with the categories set by Venmo each cycle, not you. Its one crypto feature is a toggle that routes your monthly cash back into Bitcoin, Ethereum, Litecoin, or Bitcoin Cash. That auto-buy waives the crypto transaction fee, but Venmo still keeps an exchange-rate spread, and coins sold later or bought by hand pay normal crypto fees. US-only, not Hawaii. - Last reviewed: 2026-06-22 ## Volet Card https://sweepbase.net/cards/volet-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa + Mastercard Prepaid (varies by program) - Custody: Custodial - Countries available: 150+ countries - KYC: Yes - Regions with KYC: 150+ countries (excludes US, UK, sanctioned regions) - Issuance fee: Digital (virtual Mastercard): $5 issuance ($10 credited back); physical $5; $2/month maintenance. - Annual fee: None; inactivity fee $1-2/month after 3 months - FX fee: 0% FX on Global Digital card (USD/EUR); 2.95% on other programs; card loading 0.95-1.45% - Cashback: None - Welcome bonus: None (referral: $2 digital / $5 plastic) - Yield: No - IBAN / SWIFT / SEPA: SEPA yes (business + verified personal); SWIFT yes (business); IBAN via business account - Blockchain top-up: BTC, ETH, LTC, XRP, BCH, ZEC, USDT, USDC loaded to wallet balance - Top-up methods: 15 cryptocurrencies (BTC, ETH, USDT, USDC, LTC, XRP, TRX, SOL, BNB, TON, etc.); bank transfer; SEPA (€1); Visa/MC (3.5%) - Mobile pay: Digital/Spend Virtual: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $1,000/txn; 5 txn/day; $20,000/month; fee €1.99 (EU), $2.99 (intl) - Daily spending limit: Digital: $100000 lifetime; Spend Virtual: €100000/year; Asia-Pacific: $100000; Europe: €100000/year; Global Plus: $100000 - Official site: https://volet.com - Editor note: Volet (formerly AdvCash) has been around since 2014, which is longer than most of the companies on this list have existed. Five distinct card programs serve different regions, which is genuinely useful if you're a remote worker paid in multiple currencies. The headline "0% FX on Global Digital" only applies if your transaction is USD or EUR. Other currency pairs run 2.95%, which is worse than a regular bank card. Inactivity fee of $1–2 a month kicks in after three months. No cashback, no mobile app, fully custodial. This is a utility card, not a rewards card. Treat it as a fiat rail with a crypto funding option, and it holds up. - Last reviewed: 2026-06-22 ## Wayex Card https://sweepbase.net/cards/wayex-card - Issuer (BIN sponsor, named in the card's own terms): Lead Bank — USA (Missouri state-chartered) — via Bridge (Stripe-owned program manager) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: Australia, Brazil, Argentina, Mexico, Colombia, Peru, Chile, Uruguay (18 countries for physical Visa issuance; app available in 160+ countries) - KYC: Yes - Regions with KYC: 160+ countries (Wayex Global launched Q4 2025; Visa issuance in 18 countries) - Issuance fee: Virtual Free; Physical TBD - Annual fee: Free - FX fee: 0% FX internationally; 1% conversion fee on crypto purchases; 0% on stablecoin/USD spending - Cashback: None (no cashback program) - Welcome bonus: None disclosed - Yield: Yes, on the spendable balance: "Automatic yield on your liquid stablecoin balance. Updated in real time" - up to 5% on the everyday USD stablecoin balance the card spends ("It all becomes one USD balance that spends anywhere Visa is accepted"). The up-to-20% fixed-term deposit is a separate locked product (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA (EUR), Faster Payments (GBP), ACH/Wire (USD), PIX, SPEI; IBAN/SWIFT not explicit - Blockchain top-up: USDC, USDT, DAI, PYUSD across 10+ blockchains (Ethereum, Solana, Base, Arbitrum, Avalanche, Optimism, Polygon, Stellar, Tron and others) - Top-up methods: DAI, USDT, USDC, PYUSD stablecoins across Ethereum, Solana, Base, Arbitrum, Avalanche, Optimism, Polygon, Stellar, Tron, Celestia - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Expected with physical card - Daily spending limit: Based on balance and controls - Official site: https://wayex.com/ - Editor note: Wayex Card, formerly CryptoSpend, is a live Visa debit card built in Australia and still taking signups in 2026. Read the fee line closely. The Australian product waives foreign-transaction fees, but a flat 1% conversion fee hits every time crypto settles to AUD at the register, so paying straight from BTC or ETH costs 1% per swipe. Wayex holds your funds and requires KYC, and there is no cashback. - Last reviewed: 2026-07-20 ## WhiteBIT Card https://sweepbase.net/cards/whitebit-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Wallester AS — Estonia / EEA (Visa Principal Member) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Ukraine - KYC: Yes - Regions with KYC: EU residents primarily - Issuance fee: Virtual Free; Physical €10 - Annual fee: Free - FX fee: Standard Visa FX rates - Cashback: Category-based cashback in BTC or WBT: taxi 5%, pets 5%, gaming 2%, entertainment 2%, subscriptions 10%, groceries 1%, food/cafés 1%, medicine 1%, auto 1%, electronics 1%, beauty 1%, clothing 1%. Monthly cap EUR 25; minimum EUR 5 to claim. - Welcome bonus: None public (periodic $10 USDT promos tied to KYC, referral only) - Yield: Not on the card balance: WhiteBIT Earn and Crypto Lending pay 0.23-19.40% a year, but "when you put assets on Crypto Lending, you can no longer interact with them or conduct transactions" until the plan closes (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA yes (EUR top-ups); no personal IBAN/SWIFT account - Blockchain top-up: BTC, ETH, USDC, XRP, SOL, NEAR, ADA, AVAX, WBT, DOGE, EURI, EURR via on-chain deposit - Top-up methods: USDC BTC ETH XRP SOL NEAR ADA AVAX WBT EURI DOGE (11+ main balance cryptos) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €1000/day - Daily spending limit: €10000/day - Official site: https://whitebit.com/ - Editor note: WhiteBIT's category cashback is the most granular on the list (groceries 1%, restaurants 3%, taxi 3%, subscriptions 10%, three categories selectable per day) and the most aggressively capped (€25 monthly total). At the cap, the effective rate for a €1,500-a-month European spender is around 1.7%. The €25 cap is the number that determines whether the card is interesting. If your spend pattern fits the high-rate categories, it is. If it does not, you are looking at a 1% card with extra UI. Since 30 June 2026 the Nova EUR card is suspended for EU users pending the WhiteBIT Europe (whitebit.eu) launch: existing EUR cards cannot transact until migration completes, and WhiteBIT offers the USD Card as the interim alternative. - Last reviewed: 2026-07-20 ## Wirex Card https://sweepbase.net/cards/wirex-card - Issuer (issuer, named in the card's own terms): Wirex Limited — UK (FCA FRN 902025) - Card type: Virtual + Physical - Network: Mastercard in the EEA (issued by Transact Payments Malta); Visa in Singapore (issued by Wirex Pte Ltd) - Custody: Hybrid: the Wirex One wallet is non-custodial (keys generated for the user via Privy, and Wirex states it cannot access funds), while the fiat card balance sits with the issuer. The legacy Wirex App remains fully custodial - Countries available: United Kingdom, Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Iceland, Norway, Switzerland, Australia, New Zealand, Hong Kong, Taiwan, Argentina, Brazil (excludes United States Canada Japan South Korea Russia China Philippines Singapore Croatia Lithuania Liechtenstein) - KYC: Yes - Regions with KYC: 35 countries per Wirex's own supported-countries table: the UK, 27 of the 30 EEA states (not Croatia, Lithuania or Liechtenstein), Switzerland, Australia, New Zealand, Hong Kong, Taiwan, Argentina and Brazil. The US is card-excluded - a US resident can hold a Wirex account but the Card column reads N/A - as are Canada, Japan, South Korea, China, Russia, the Philippines and Singapore - Issuance fee: Not published: the issuer discloses no issuance or delivery fee - Annual fee: None. Wirex One charges no subscription; tiers gate on WPAY holdings instead - FX fee: 0% foreign transaction fee (the issuer's own fee table lists exactly one line, "Foreign transaction fee: Free"). The conversion rate is set "by Wirex from time to time", with the interbank rate promised only for major currencies during FX market hours and carve-outs for weekends, holidays, illiquid pairs and volatile markets; no markup percentage is disclosed - Cashback: Up to 8% in USD rather than a token: "earns cashback in USD, not in crypto, not in tokens". Wirex One tiers 0.5/1/3/5/8%; monthly redemption cap $25 to $2,000 by tier - Welcome bonus: None published for Wirex One; the legacy Wirex App offered ~$15 / €17 in WXT on signup plus a first transaction (checked 2026-07-30) - Yield: Unclear: legacy X-Accounts carry over as separate Earn accounts, but Wirex One publishes no per-asset or per-tier Earn rate and never states whether the card-spendable balance earns. Tier boosts appear only as add-ons (crypto +0.25% to +1.5%, stablecoins +0.5% to +3%) with no published base rate to add them to. The "up to 9.75% APY" figure has no primary source (checked 2026-07-30) - IBAN / SWIFT / SEPA: IBAN yes (personal EUR IBAN); SEPA yes; Faster Payments (GBP) - Blockchain top-up: BTC, ETH, LTC, XRP, XLM, ADA, DOGE + 60+ assets via exchange wallet - Top-up methods: 68+ fiat and cryptocurrencies including USDT, USDC, DAI, BTC, ETH, LTC, XRP, XLM, ADA, XTZ, EOS, DOGE - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Limits only: 750 EUR/day and 5,000 EUR/month on physical and metal cards, virtual N/A (Wirex One, may vary by region). The ATM fee and any free allowance are not published by the issuer; the widely quoted "free to 200 EUR/month then 2%" has no primary source - Daily spending limit: Based on account tier and verification - Official site: https://www.wirexapp.com/ - Editor note: Re-checked 2026-07-30, and most of what this row used to say was out of date. Wirex runs two products now. The old custodial Wirex App lost crypto deposits, withdrawals, exchange and crypto card spending on 30 June 2026 in the EEA and Australia; their help centre adds the UK to that list, their status page does not. Wirex One is what a new customer actually gets. The cashback correction is the big one: their help centre says it plainly, "earns cashback in USD, not in crypto, not in tokens", so the WXT framing this row carried for months is simply gone. What replaced it is subtler rather than better. The 8% rate is the Bespoke tier, and qualifying means a $50,000 portfolio with at least 10% of it held in WPAY, recalculated daily. There is no lock-up, which Wirex says loudly and which is true, but token exposure scales with your portfolio. Then the cap nobody mentions: redemption is limited to $2,000 a month at the top tier. Spend $34,500 a month at 8% and you accrue $2,760 while being allowed to take out $2,000, so the rate you realise is 5.8%. Overflow carries forward rather than burning, though at a steady spend it just piles up. On fees we came up nearly empty, and that is itself the finding. The entire Wirex One fee table is one line, "Foreign transaction fee: Free", and the fee schedule their own terms link to returns a 404. The FX claim does survive where we could test it: a cardholder transaction on 2026-07-29 priced EUR/USD within 0.02% of the ECB daily reference. We also deleted the "ATM free to 200 EUR/month then 2%" line this row used to carry, because it has no primary source and the only places quoting it are affiliate blogs and, circularly, our own page. Last thing, and it matters for anyone reading the issuer question: in the EEA the issuer of record is Transact Payments Malta, an MFSA e-money institution, with Wirex UAB only as program manager. Their litepaper claims Principal Membership of both schemes with "no intermediary banks as sponsors", and for the EEA that does not hold. Country lists resolved 2026-08-05 against Wirex's own supported-countries table: 35 countries exactly, and three EEA states have no card at all - Croatia, Lithuania and Liechtenstein - while Switzerland, Argentina and Brazil do and were missing from this row. The US exclusion rests on N/A cells in that table, not on any Wirex statement; nothing on their site explains or dates the wind-down of the former US programme. Do not reuse the marketing figures 130+ countries or 150+ countries: the first is the platform, the second is where the card can be spent, and neither is where it can be obtained. Still unverified: Earn rates, MiCA and FCA status, and whether Transact Payments Malta stays the issuer after the migration. - Last reviewed: 2026-08-05 ## Xapo Bank Card https://sweepbase.net/cards/xapo-bank-card - Issuer (issuer, named in the card's own terms): Xapo Bank Ltd — Gibraltar (GFSC permission 23171) - Card type: Virtual + Physical (Plastic + Metal) - Network: Visa + Mastercard Debit - Custody: Custodial - Countries available: United Kingdom, Belgium, Netherlands, Germany, Iceland, Portugal, Poland, Spain, Romania, France, Italy, Ireland, Switzerland, Singapore, Japan, Saudi Arabia, Hong Kong, United Arab Emirates, Brazil, Bangladesh, Malaysia, India, Tanzania, South Africa, Kenya, Australia, Canada, New Zealand, Argentina, Mexico, Colombia, Chile, Peru, Philippines, Indonesia, Thailand (100+ countries; excludes United States) - KYC: Yes (extensive compliance/KYC process) - Regions with KYC: 100+ countries (excludes United States only) - Issuance fee: Virtual Free; Plastic Free; Metal premium option - Annual fee: $1000/year membership fee - FX fee: 0% foreign exchange fees - Cashback: Up to 1.0% BTC cashback (Metal card outside SEPA: 1.0%; Plastic/Virtual outside SEPA: 0.5%; SEPA merchants: 0.2%). Unlimited, no cap. Paid monthly in Bitcoin. - Welcome bonus: $10 BTC after verifying and loading $100 (via referral link) - Yield: Yes, on the spendable balance, once funded into Savings: USD Savings 3.35% APY and BTC Savings 0.5% APY (up to 2 BTC) carry no lock-up, and yield paid daily in BTC is "instantly liquid. You can immediately spend them using your Xapo Bank debit card". The up-to-4% BTC Credit Fund is a separate locked product; paid bank membership required (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes; SWIFT yes; SEPA yes; UK sort code; full bank account - Blockchain top-up: BTC (incl. Lightning), USDC, USDT deposits - Top-up methods: Deposit USD or Bitcoin; Lightning Network integration for BTC - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: $100/month free, then 2% fee; $1000/day limit (adjustable to $2000) - Daily spending limit: $10000/day (adjustable to $50000) - Official site: https://www.xapobank.com/ - Editor note: Xapo charges $1,000 a year to be a member and then gives a Visa/Mastercard with up to 1% BTC cashback and 0% FX. On paper that is a hefty cost. In practice the membership is buying the licensed Gibraltar banking arm and 3.35% USD savings interest plus 0.5% on Bitcoin balances, with the card as a feature, not the product. The card alone does not justify the fee. The card plus the banking plus the BTC Lightning integration can, for the user who treats Xapo as their primary USD account and lives outside the US. - Last reviewed: 2026-07-20 ## Xplace Card https://sweepbase.net/cards/xplace-card - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical (coming) - Network: Visa Credit - Custody: Self-custody - Countries available: Not published. The issuer names no supported countries anywhere in its documentation; geography appears only as a prohibited list - see the Regions field. Availability in a given country is unverified (read 2026-08-08) - KYC: Yes - Regions with KYC: No published availability list - x.place documents geography only by exclusion. Operator: Pontech Group L.L.C-FZ; issuer Third National, named once in each of the US and international card terms, which is the same rail Hyperbeat runs on and the reason both publish an identical blocklist. Prohibited: Belarus, China (Mainland), Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam. Its own two lists of barred US states disagree - 16 in the terms against 19 on the Prohibitions page. The 160+ figure is Visa acceptance rather than availability: the homepage reads Visa cards are accepted in 160+ countries (read 2026-08-08) - Issuance fee: Free - Annual fee: Basic free; Silver $99/yr; Gold $249/yr; Platinum $999/yr (tier grid verified x.place 2026-07-22) - FX fee: 1% FX on international transactions (Silver/Gold tiers); 0% FX on Platinum ($999/yr) - Cashback: Credit Mode cashback by tier: 0.5% Basic / 1% Silver / 1.5% Gold / 4% Platinum, paid in USDC (x.place tier grid, 2026-07-22) - Welcome bonus: None cash; early-bird XP airdrop bonuses (Silver +10k, Gold +20k, Platinum +100k XP) - Yield: Not on the card balance in credit mode: "The same deposit unlocks a credit line you can spend in Credit Mode - so your assets earn and back your borrowing at once", i.e. spending borrows against Kamino deposits rather than debiting them (liquidation risk disclosed). Live rates: SOL ~6.15%, BTC ~5.43%, USDT ~3.26%, ETH ~1.59%. A Cash Mode that spends the stablecoin balance directly is also documented, so the mechanic is mode-dependent (checked 2026-07-20) - IBAN / SWIFT / SEPA: Not disclosed (no IBAN advertised) - Blockchain top-up: Solana-native; fund via USDC/USDT (also SOL, BONK, PYTH, JUP as collateral) - Top-up methods: 30+ Solana-based assets including SOL BTC ETH USDC USDT (collateral for borrowing) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not available (no cash advances or ATM withdrawals) - Daily spending limit: Based on collateral and tier - Official site: https://x.place/ - Editor note: Xplace is the first non-custodial credit card on Solana. It launched late 2025, so assume rough edges. 0% APR on purchases while holding SOL, BTC, ETH, USDC, or USDT as collateral is the headline, and the up-to-16% APY on deposited assets (variable, and lately lower) keeps running while you spend. The 1% FX fee stays even on the Platinum tier, which is the one line I'd want lower. No ATM withdrawals, no fiat off-ramp beyond the card rail. If the balance goes unpaid, interest applies. This is genuinely novel as a product, but I'd run it alongside another card for the first six months while the Solana ecosystem feature-gaps get filled. - Last reviewed: 2026-08-08 ## xPortal Card https://sweepbase.net/cards/xportal-card - Issuer (issuer, inferred from programme documents, NOT named in the card's own terms): Capital Financial Services SA (Twispay) — Romania (NBR EMI — first Romanian EMI) - Card type: Virtual + Physical - Network: Mastercard Prepaid - Custody: Self-custody - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: Europe initially; expanding globally - Issuance fee: Virtual free; Physical €9.99 + €5.99-12.99 delivery - Annual fee: Free - FX fee: ~1% crypto-to-EUR conversion fee. - Cashback: 0.1-0.5% cashback capped at EUR 5-30/mo, gated on EGLD or SUI staking tiers (programme from Dec 1 2025, limited EUR 10,000 promo pool; payout token not named in issuer help), plus up to 0.5% Mastercard priceless international cashback at participating merchants. Marketed 'up to 5%' is promotional. - Welcome bonus: $5 in EGLD via referral after buying $100 EGLD - Yield: Not on the card balance: the help centre is explicit - "Capital Financial Services SA does not pay any interest on the electronic money held in your account". Yield comes from curated DeFi dApps inside the wallet (up to ~10% APY on stablecoins); the card's "yield on every transaction" line refers to staking-gated cashback (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA yes (EUR top-up); IBAN "coming soon"; no SWIFT - Blockchain top-up: BTC, ETH, EGLD, SOL, SUI, BNB, POL, BERA, DOGE, Base + thousands of tokens - Top-up methods: Multi-currency top-ups across MultiversX Bitcoin Ethereum Solana Polygon and more - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: €500/mo ATM; physical card delivery €5.99 RO, €12.99 international - Daily spending limit: €5000/day - Official site: https://xportal.com/ - Editor note: xPortal's Card is live: a Mastercard debit that drops a virtual card into Apple or Google Pay, with a physical one you can order. Ignore the "up to 5%" headline. Cashback is staking-gated and caps at 0.50%, and only if you lock 2,000 EGLD; the entry Fresh Mint tier pays 0.10%, capped at €5 a month, and with no stake you earn nothing. Crypto-to-fiat spending runs 1.49% via xMoney, and it stays self-custody, so you hold the keys. - Last reviewed: 2026-07-20 ## Zebec Card https://sweepbase.net/cards/zebec-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual (physical planned) - Network: Mastercard Prepaid - Custody: Hybrid custody - Countries available: Algeria, Angola, Argentina, Australia, Austria, Belgium, Bolivia (Plurinational State of), Brazil, Cameroon, Canada, Chile, Costa Rica, Cyprus, Czechia, Denmark, Ecuador, Egypt, El Salvador, Estonia, Finland, France, Georgia, Germany, Ghana, Greece, Guatemala, Honduras, Hungary, Iceland, Ireland, Italy, Jamaica, Japan, Jordan, Kenya, Korea Republic of, Kuwait, Lithuania, Luxembourg, Malawi, Malaysia, Malta, Mexico, Morocco, Mozambique, Nepal, Netherlands, New Zealand, Nigeria, Norway, Oman, Pakistan, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Saudi Arabia, Singapore, Slovakia, Slovenia, Spain, Sweden, Taiwan, Thailand, Trinidad and Tobago, Tunisia, Turkey, United Kingdom, United States, Uruguay, Vanuatu, Zambia - KYC: Minimal KYC (varies by tier) - Regions with KYC: 100+ countries; 210 territories (excludes OFAC-sanctioned regions) - Issuance fee: Silver single-load; Carbon varies; Black via Mobilum - Annual fee: Free for Silver/Carbon tiers - FX fee: Zero markup for stablecoins (1:1 conversion); variable FX fees - Cashback: SuperApp live (Feb 25 2026); Silver and Carbon cards active. Live rewards = Zebec Points + weekly partner-token airdrops (requires ~$500 in ZBCN); tiered 'up to 5% ZBCN cashback' is a mid-2026 roadmap item — not yet live. - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: None (pure prepaid, no bank account) - Blockchain top-up: Solana + 17 other chains, 150+ tokens (non-custodial wallet connect) - Top-up methods: 150+ tokens across 18+ blockchains including Bitcoin Ethereum Solana - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Silver not available; Carbon/Black: available with fees - Daily spending limit: Silver: $1000 single transaction; Carbon: $1000/transaction, $10000/day; Black: higher limits - Official site: https://zebec.io/ - Editor note: Zebec Silver and Carbon are live virtual Mastercards with no transaction fees and a $10,000 daily limit, but read the rewards line before you apply. That advertised "up to 5%" pays out in ZBCN tokens through a Real-Yield points model, so its value floats with the token and no fixed cash percentage is guaranteed. Every consumer tier is virtual only, and the premium Black card sits offline behind a "Spring 2026" resume date that already lapsed as of July 2026. - Last reviewed: 2026-06-22 ## Zypto Card https://sweepbase.net/cards/zypto-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical (Premium) - Network: Visa Signature + Mastercard Prepaid - Custody: Custodial (prepaid card balance loaded up-front and held by the card provider; separate non-custodial Zypto wallet in the app) - Countries available: Algeria, Angola, Anguilla, Andorra, Antigua and Barbuda, Argentina, Australia, Austria, Bahamas, Barbados, Bahrain, Bangladesh, Belgium, Benin, Bermuda, Bhutan, Bolivia, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cameroon, Canada, Cape Verde, Cayman Islands, Central African Republic, Chad, Chile, China, Colombia, Comoros, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, Equatorial Guinea, Eritrea, Estonia, Eswatini (Swaziland), Faroe Islands, Fiji, Finland, France, French Guiana, Gabon, Gambia, Germany, Ghana, Greece, Grenada, Guadeloupe, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar, Namibia, Nepal, Netherlands, New Zealand, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palau, Palestinian Territory, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Puerto Rico, Qatar, Romania, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Somalia, South Africa, South Korea, Spain, Sri Lanka, Suriname, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, U.S. Virgin Islands, Uzbekistan, Vanuatu, Vietnam, Western Sahara, Zambia, Zimbabwe - KYC: Yes (varies by card type) - Regions with KYC: Single-load virtual: 180+ countries; Premium/Reloadable: LATAM, APAC, Africa, select US states - Issuance fee: Varies by card tier - Annual fee: Premium tiers vary - FX fee: 1.75% FX fee; $0.30 per transaction; ~3% off-ramp fee (post-33% reduction; current rates) - Cashback: ZYP reward points on card spending (1,000 ZYP = $1 USD), redeemable for card loads, gift cards, mobile top-ups, bill payments. Rolling out cashback offers and partner discounts. - Welcome bonus: $5 reward after first $50 top-up - Yield: Not on the card balance: staking runs through supported dApps in the in-app browser across 20+ chains, separate from the card's spendable balance (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA yes (on/off-ramp); no native personal IBAN - Blockchain top-up: USDT, USDC, USD1, DAI, BTC, ETH, SOL, BNB, Polygon, XRP, AVAX, TRX, Algorand, Stellar, OP, ARB, Base, SUI + 100 more - Top-up methods: 100+ cryptocurrencies across multiple blockchains - Mobile pay: Yes (Apple Pay; Google Pay for Premium) - ATM withdrawal limit: Expected with Premium physical card - Daily spending limit: Single-load virtual: varies; Premium physical: up to $1000000/month; Reloadable virtual: $150000/month - Official site: https://zypto.com/ - Editor note: Zypto's Premium reloadable tier advertises $1M monthly limits and Visa Signature perks, but the public documentation on premium-tier pricing is thin. What I could verify: 1.75% FX fee, $0.30 per transaction, 3% off-ramp fee, and a 33% fee reduction announced in early 2026. Single-load virtual works in 180+ countries, which is useful for one-off international purchases. Premium and reloadable are heavily skewed toward LATAM, APAC, and Africa. The ZYP reward points are not fiat, not crypto, and not clearly priced against either. If you're in a market where other options are thin, Zypto fills a gap. Otherwise the fee stack is hard to justify. - Last reviewed: 2026-07-20 ## Bit2Me Card https://sweepbase.net/cards/bit2me-card - Issuer (BIN sponsor, named in the card's own terms): PECUNPAY (Pecunia Cards EDE) — Spain (Bank of Spain EMI CSB 6707) - Card type: Virtual + Physical - Network: Mastercard Debit - Custody: Custodial - Countries available: Spain, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Argentina, Brazil, Colombia, Mexico - KYC: Yes - Regions with KYC: Europe, Latin America - Issuance fee: Free - Annual fee: Free - FX fee: 0% within EU; 1.5% international - Cashback: Up to 7% cashback (Space Center program, tiered by B2M token holdings) - Welcome bonus: None public welcome bonus; up to 7-9% cashback tiered by B2M holdings (payout in various supported cryptocurrencies) - Yield: Yes, on the spendable balance (opt-in): the card can be linked directly to a Bit2Me Earn wallet as its payment source - "Link your card with a stablecoin and earn up to 7% yield on your purchases" - so linked funds keep earning until spent. Default funding is a non-earning wallet, so the Earn wallet must be selected in card settings (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA yes; IBAN yes (Bit2Me fiat account EUR); no SWIFT specified - Blockchain top-up: Top-ups via exchange balance (BTC, ETH, B2M + 100+ assets on Bit2Me); no direct on-chain card loading - Top-up methods: BTC, ETH, B2M, USDT, USDC, EUR (bank transfer, card) (10+) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: EUR 300/day - Daily spending limit: EUR 2,500/day - Official site: https://bit2me.com/suite/card - Editor note: Bit2Me's headline 'up to 9% cashback' is gated by B2M token staking on a Space Center loyalty curve that starts at 0.25% for a €1,000 portfolio and only crosses 2% with substantial B2M holdings. For a reader who already runs a Bit2Me portfolio at the right size, the card pays. For everyone else the realistic rate at the bottom of the curve is comparable to a no-staking 1% card. The 0% FX inside the EU and 1.5% international are competitive for a Spanish or Portuguese reader who treats Bit2Me as their primary crypto venue. - Last reviewed: 2026-07-20 ## MEXC Card https://sweepbase.net/cards/mexc-card - Issuer (BIN sponsor, named in the card's own terms): DCS Card Centre Pte. Ltd. — Singapore (MAS, ex-Diners Club) - Card type: Virtual only (physical announced) - Network: Visa Debit - Custody: Custodial - Countries available: Philippines, Taiwan, Vietnam, Thailand - KYC: Yes - Regions with KYC: Four APAC markets only (Philippines, Taiwan, Vietnam, Thailand); advanced KYC with proof of local address required - Issuance fee: Free - Annual fee: None. $2/month inactivity fee after three months without a transaction. - FX fee: 1% on every purchase. MEXC states no additional FX markup, but the terms reserve an undisclosed foreign-exchange conversion charge above the retail rate. - Cashback: 4% Standard / 6% Premier / 10% Elite by VVIP tier, capped at 100/300/800 USDT per month and paid in USDT. Tier is set by trading volume, not card spend. Terms cl. 8.1 excludes transactions initiated in USD, which is the card account currency. - Welcome bonus: None card-specific; exchange offers up to $10,000 USDT trading bonuses via referral - Yield: Yes, on the spendable balance (opt-in): "The APR only applies to funds held in your MEXC Card balance" - 7% APR on USDT (100 to 100,000), accrued hourly and paid the next day, and "your USDT remains liquid and spendable at all times". Requires a one-time manual subscription to the card savings product (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA yes (fiat deposits); no personal IBAN/SWIFT account - Blockchain top-up: Indirect — USDT only (other crypto must be converted on MEXC first); funded from MEXC Funding Wallet - Top-up methods: Crypto from MEXC wallet (BTC, ETH, USDT, USDC and 1500+ tokens) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not disclosed - Daily spending limit: Not disclosed - Official site: https://www.mexc.com/buy-crypto/mexc-card - Editor note: Read the region line before anything else. MEXC's own product API lists this card in four countries: the Philippines, Taiwan, Vietnam and Thailand. Everything we published here previously, the EEA availability, the 0% and 2% FX split, the twelve euro a year, described a legacy MEXC Mastercard whose issuer Paytend lost its Lithuanian licence in March 2026. That product is gone. The live card is issued by DCS Card Centre in Singapore, and what you sign is a credit-card agreement with a credit limit and a due date, not the debit product the marketing describes. The cashback ladder is set by trading volume rather than spending, and clause 8.1 withholds rewards on transactions initiated in USD, which is the currency of the card account. MEXC sells a separate ether.fi co-brand on a different issuer; that one is covered by our Ether.fi Cash Card entry. - Last reviewed: 2026-07-20 ## Shakepay Card https://sweepbase.net/cards/shakepay-card - Issuer (BIN sponsor, named in the card's own terms): Peoples Trust Company — Canada - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Custodial - Countries available: Canada - KYC: Yes - Regions with KYC: Canada only - Issuance fee: Free - Annual fee: Free - FX fee: 0% (Shakepay does not add FX markup) - Cashback: Tiered Bitcoin cashback by Reward Status (Base 1% / Bright 1% / Blue 1.5%) with boost windows up to 4% via Shakepay promotions; cashback settles to Shakepay BTC balance; ATM withdrawals excluded - Welcome bonus: None (ref code gives $30 CAD after $100 trade); 3% cashback boost for 90 days/$3k if activated pre-Nov 2025 - Yield: Yes, on the spendable balance (opt-in): "Shakepay Interest allows you to earn bitcoin on the USD & CAD balances you hold on Shakepay, with no minimum balance requirement", calculated daily on the lowest balance and paid weekly. 1.5% CAD base (up to 3% with Blue status), 3.5% USD; interest is paid in bitcoin, Canada only (checked 2026-07-20) - IBAN / SWIFT / SEPA: None — Canadian prepaid Visa; funding via Interac e-Transfer/wire, no IBAN/SEPA/SWIFT - Blockchain top-up: No direct blockchain top-up; funded from Shakepay CAD balance (BTC/ETH sold to CAD in-app) - Top-up methods: Interac e-Transfer, direct deposit, BTC, ETH (4) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: CAD 1,000/day - Daily spending limit: CAD 5,000/day - Official site: https://shakepay.com/card - Editor note: For a Canadian reader who wants a domestic Bitcoin-stacking workflow, the Shakepay card is the answer I would give first. The 0% FX is real (not the hidden-spread version), and the tiered BTC cashback runs 1% / 1.25% / 1.5% by reward status with promotional boosts that can push some weeks to 4%. The cashback only pays in BTC, which is the design intent. The Interac e-Transfer funding rail makes this functionally a dollar-cost-into-BTC routine with a card attached. - Last reviewed: 2026-07-20 ## Tangem Pay Card https://sweepbase.net/cards/tangem-pay-card - Issuer (issuer, named in the card's own terms): Rain (Signify Holdings, Inc.) — USA (New York) - Card type: Virtual only (physical planned) - Network: Visa Prepaid - Custody: Self-custody - Countries available: United States (~33 states, excl. NY, AK, HI and others), Brazil, Japan, Singapore, Hong Kong, Australia, UAE, South Africa, and EEA (Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden) — added EEA March 2026 - KYC: Yes - Regions with KYC: USA, Latin America, Asia-Pacific, Middle East, Africa, EEA - Issuance fee: Free (requires Tangem Wallet ~$54.90 sold separately) - Annual fee: Free - FX fee: 0% Tangem markup (Visa standard FX rates apply; card denominated in USD) - Cashback: None - Welcome bonus: None disclosed - Yield: No, not yet: the FAQ answers directly - "Can I earn interest or rewards on my balance? Stablecoin yield and referral-based rewards are on the roadmap." The card spends a prepaid USDC account; a Yield Mode appears only in the Coming Soon Plus tier (checked 2026-07-20) - IBAN / SWIFT / SEPA: None — no IBAN/SEPA/SWIFT; funded via on-chain USDC from Tangem Wallet - Blockchain top-up: USDC on Polygon only at launch (more networks/stablecoins planned) - Top-up methods: USDC on Polygon only (swap other crypto via in-app exchange; 16000+ tokens in wallet) - Mobile pay: Yes (Apple Pay, Google Pay) - ATM withdrawal limit: Not available (planned: $250/txn, max 3/day) - Daily spending limit: $50,000/day ($10,000 per transaction; new accounts start at $500/day) - Official site: https://tangem.com/en/tangem-pay/ - Editor note: If you already own a Tangem hardware wallet, the Tangem Pay virtual Visa runs off the same EAL6+ secure-element chip you already use to sign cold-wallet transactions. The funding limitation is the real story: USDC on Polygon only, swapped inside the app. The product also lacks a physical card, ATM access, and cashback, which all reasonable trade-offs for the design but worth knowing in advance. For a Tangem owner who wants a USDC-on-Polygon spending lane, it slots in. For anyone else, the $55 hardware buy-in plus the Polygon constraint is the gate. - Last reviewed: 2026-07-20 ## Decaf Card https://sweepbase.net/cards/decaf-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Lead Bank — USA (Missouri state-chartered) — via Bridge (Stripe-owned program manager) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Self-custody - Countries available: Global (US excludes: AZ, DE, GA, ID, LA, MD, MT, OH, OR, RI, WA, WI) - KYC: Yes - Regions with KYC: USA, UK, EU, Global - Issuance fee: $5 (virtual); $10 (physical US); $90 (physical international) - Annual fee: Free - FX fee: 0% (Visa FX rate, no Decaf markup) - Cashback: None - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: SEPA off-ramp supported for withdrawals; no dedicated personal IBAN on card - Blockchain top-up: Solana and Stellar networks (USDC, USDT, other SPL/Stellar tokens) - Top-up methods: Solana-based crypto (USDC, SOL, SPL tokens); Stellar (USDC, USDT, XLM) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $250/transaction, 3x daily (physical only) - Daily spending limit: Not disclosed - Official site: https://www.decaf.so - Editor note: Decaf is live in 2026, a non-custodial Visa that spends USDC from a wallet you control on Solana and Stellar. The catch a shopper misses sits in the ATM terms: physical-card cash withdrawals cap at $250 per transaction, three times a day, regardless of balance. Ordering the physical card runs $90 outside the US against $10 stateside, one of the steeper order fees here, and I saw no cashback advertised. It also skips 12 US states, Ohio and Washington among them. - Last reviewed: 2026-06-22 ## SwissBorg Card https://sweepbase.net/cards/swissborg-card - Issuer (BIN sponsor, named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual only (physical announced, not shipped) - Network: Mastercard Debit - Custody: Custodial - Countries available: Austria, Belgium, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom - KYC: Yes - Regions with KYC: Europe - Issuance fee: Free - Annual fee: Free - FX fee: 0% within EU - Cashback: Up to 99% of exchange-related fees rebated in BORG via Dynamic Elite Ranks (99% needs a Top-10 Loyalty Score; 95% Top 100, 92% Top 500; standard Elite tiers up to 90%); not a fixed % of spend like a typical cashback card. Real-world value depends on how much you trade on SwissBorg. - Welcome bonus: None confirmed; up to 90% cashback of exchange fees in BORG, tied to loyalty ranks; early access for Series A investors - Yield: Not on the card balance: the card is funded by holding supported crypto in the SwissBorg wallet, which earns nothing; SwissBorg Earn strategies require subscribing amounts in and redeeming out (up to ~15% p.a. by strategy) (checked 2026-07-20) - IBAN / SWIFT / SEPA: None on card; SwissBorg app uses SEPA/Faster Payments for fiat in/out, no personal IBAN on card - Blockchain top-up: No direct on-chain top-up; spends from SwissBorg app balance (BORG, BTC, ETH, SOL, USDC, EUROP, etc.) via Meta-Exchange - Top-up methods: Crypto from the SwissBorg wallet: BTC, ETH, SOL, BORG, USDC, USDG, EUROP (plus EURC, VEUR, VCHF, VGBP). Fiat balances cannot fund the card. - Mobile pay: Google Pay only. Apple Pay is not supported. - ATM withdrawal limit: Not applicable. Virtual-only card with no documented ATM access; cash advances are a restricted merchant category. - Daily spending limit: Not disclosed - Official site: https://www.swissborg.com/ - Editor note: The SwissBorg Card is the most narrowly useful product on this list. The 'up to 99% cashback' rate is a rebate of exchange fees paid back in BORG (99% requires a Top-10 Loyalty Score; standard tiers rebate up to 90%), not a percentage of card spend, and the value scales with how much the user already trades on SwissBorg. For a heavy SwissBorg trader the rebate compounds against a number that would otherwise be paid in full. For a casual user the card is a 0% FX Mastercard with no headline reward, and Wirex or Trade Republic do the same job with a clearer fee story. - Last reviewed: 2026-07-20 ## Swissquote Card https://sweepbase.net/cards/swissquote-card - Issuer (issuer, named in the card's own terms): Swissquote Bank SA — Switzerland (FINMA bank licence) - Card type: Virtual + Physical - Network: Mastercard Debit - Custody: Custodial - Countries available: Switzerland, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: Europe - Issuance fee: Free for virtual (Light); physical card has no issuance fee but CHF 6.90/month maintenance from month 7 onwards - Annual fee: Light: Free (virtual only); Bright: CHF 6.90/month (first 6 months free); Elite: CHF 39/month (requires CHF 100K account balance) - FX fee: 0.95% (Light/Bright tiers) - Cashback: Tiered trading credits: Light 0.25% (0.5% crypto), Bright 0.5% (1% crypto), Elite 0.5% gold + 0.5% trading (1% crypto). Elite requires CHF 100K balance. Not direct cashback — credited as Swissquote trading credits. - Welcome bonus: "Invest Yourself" deposit bonus up to EUR 1,000 for new clients transferring assets (bank-level, not card-specific) - Yield: Not on the card balance: cash deposits earn 0% at every tier, and yield lives in the separate Save Easy solution (up to ~5%) or in staking with lock and unbonding periods (SOL up to 6.24%, DOT 4.29%, ETH 2.5%, ADA 2%, gross of a 20% fee). The old /card URL now 404s (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (multi-currency, ~29 currencies); SEPA yes; SWIFT yes (full Swiss bank account) - Blockchain top-up: No direct blockchain top-up; buy BTC/ETH/XRP in Swissquote account then spend via card - Top-up methods: Bank transfer, crypto from Swissquote account (BTC, ETH, and 30+ cryptos) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: CHF 1,000/day - Daily spending limit: Not disclosed - Official site: https://www.swissquote.com/en-ch/private/bank/products/elite-card - Editor note: Swissquote's card is a debit Mastercard from a regulated, listed Swiss bank, with a crypto toggle that funds only from Bitcoin, Ethereum or XRP. The catch shoppers miss sits in the Elite tier: its 0.5% gold cashback and the 0% FX waiver up to CHF 5,000 a month are locked behind CHF 100,000 in total assets at subscription plus Swiss residency. Outside 14 confirmed countries you get only the free Light virtual card, no physical plastic. - Last reviewed: 2026-07-20 ## Wise Card https://sweepbase.net/cards/wise-card - Issuer (issuer, named in the card's own terms): Wise Payments Limited — UK (FCA FRN 900507) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: United States, United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Australia, Brazil, Canada, India, Indonesia, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand - KYC: Yes - Regions with KYC: Global (50+ countries) - Issuance fee: GBP 7 / EUR 7 / USD 9 - Annual fee: Free - FX fee: 0.33-3.5% (mid-market rate with transparent fee; varies by currency pair) - Cashback: None - Welcome bonus: None (no cashback/welcome bonus; referrals can earn ~GBP 75 after 3 qualifying invites) - Yield: Yes, on the spendable balance (opt-in): Wise Interest/Assets earns "daily and spend instantly" on the same balance; 3.14% APY USD, 2.21% GBP, 0.99% EUR (page dated 12/2025). US version sweeps to Program Banks and excludes New York and Alaska; fund-based versions carry capital risk (checked 2026-07-20) - IBAN / SWIFT / SEPA: IBAN yes (EUR and multi-currency); SEPA yes; SWIFT/BIC yes (40+ currencies) - Blockchain top-up: No direct blockchain top-up; crypto funding explicitly prohibited by Wise ToS - Top-up methods: Bank transfer, debit/credit card, Apple Pay, Google Pay (50+ currencies) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: GBP 400/day - Daily spending limit: Based on balance - Official site: https://wise.com/card - Editor note: Wise is a fiat multi-currency travel debit card — it does not convert crypto holdings or connect to a crypto wallet. We list it here because crypto-card users often pair Wise with a crypto card for cheaper non-crypto FX (transparent mid-market rate, 0.33–3.5% spread vs the 2–3% blended cost of most crypto cards on overseas spend). If you want a card that spends crypto directly, this isn't it. - Last reviewed: 2026-07-20 ## Lemon Card https://sweepbase.net/cards/lemon-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Pomelo S.A. — Argentina (BaaS, multi-LatAm) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: Argentina, Brazil, Mexico, Peru, Colombia, Uruguay, Ecuador - KYC: Yes - Regions with KYC: Latin America - Issuance fee: Free - Annual fee: Free - FX fee: Not disclosed - Cashback: Up to 2% cashback in BTC baseline (5% historical/promo windows only) - Welcome bonus: None as card-specific bonus; Bitcoin cashback on every purchase; BTC-backed credit card had 3-month fee subsidy at launch - Yield: Yes, on the spendable balance (opt-in): activating the feature invests the peso balance in a money-market fund while "tus pesos siguen estando disponibles para vos 24/7". ~4% effective annual on ARS (capped at 1,000,000 ARS); stablecoin Earn quoted above 10% via Aave/Morpho/Spark with loss risk disclosed. Argentina (checked 2026-07-20) - IBAN / SWIFT / SEPA: CVU (Argentine equivalent) yes; no IBAN/SEPA/SWIFT (LatAm-focused) - Blockchain top-up: Bitcoin (Lightning, Rootstock), BNB Chain, plus other networks (16+ deposit networks total) for USDT/USDC/DAI/ETH/BTC - Top-up methods: Crypto + Bank transfer (ARS, BRL) - Mobile pay: Yes - ATM withdrawal limit: Not disclosed - Daily spending limit: Not disclosed - Official site: https://lemon.me - Editor note: Lemon is the Argentine card that introduced cashback-in-Bitcoin to a market where the alternative is an inflation-hedged peso account. The 2% baseline is the rate to plan against; the 5% number quoted in older reviews refers to a long promotional window that has expired. For Argentine readers who already use Lemon to dollar-cost into BTC the card slots into the routine. In Brazil it now competes against Picnic and a handful of local exchange-card products. - Last reviewed: 2026-07-20 ## Ripio Card https://sweepbase.net/cards/ripio-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Pomelo S.A. — Argentina (BaaS, multi-LatAm) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: Argentina, Brazil, Chile, Colombia, Mexico, Spain, United States, Uruguay - KYC: Yes - Regions with KYC: Latin America - Issuance fee: Free - Annual fee: Free - FX fee: Not disclosed - Cashback: 2% cashback in BTC/ETH/UXD on crypto payments; 0.5% cashback in BTC on ARS payments (ongoing). New users earn 4% on crypto / 1% on ARS in first 30 days. - Welcome bonus: 4% cashback on crypto payments and 1% on ARS payments for the first 30 days (new users) - Yield: Yes, on the spendable balance (opt-in): "Rendimientos Automaticos" moves account assets into DeFi protocols while the user keeps seeing them as available balance, and they are pulled back automatically when that balance is used. ~5-6% APY on stablecoins per issuer blog, variable; yield for the day of withdrawal is forfeited. Argentina (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (Argentine prepaid Visa, no EU IBAN) - Blockchain top-up: 20+ networks via Ripio wallet incl. Bitcoin, Ethereum, Lightning Network, LaChain, Base, Polygon, Tron - Top-up methods: Crypto + Bank transfer (local currencies) - Mobile pay: Not disclosed - ATM withdrawal limit: Not disclosed - Daily spending limit: Not disclosed - Official site: https://www.ripio.com/ - Editor note: Ripio has been a major Argentine and Brazilian crypto exchange long enough that the card is the natural extension of an account most LatAm readers already use. The Sweepbase entry is shorter than most because Ripio publishes less than most issuers do (cashback, FX schedule, ATM detail are not disclosed). For a reader who already trades on the platform, the friction of opening a new card at a different issuer is the bar the Ripio card is competing against, which is below what the fee schedule alone would suggest. - Last reviewed: 2026-07-20 ## Wealthsimple Card https://sweepbase.net/cards/wealthsimple-card - Issuer (BIN sponsor, named in the card's own terms): Peoples Trust Company — Canada - Card type: Virtual + Physical - Network: Mastercard Prepaid - Custody: Custodial - Countries available: Canada - KYC: Yes - Regions with KYC: Canada only - Issuance fee: Free - Annual fee: Free - FX fee: 0% (Wealthsimple does not charge FX markup) - Cashback: None (1% cashback ended October 1, 2025; replaced with unlimited ATM-fee reimbursement on the Cash prepaid Mastercard. A separate Wealthsimple Credit Visa Infinite offers 2% cash back, with income/asset requirements and a CAD $120/yr fee.) - Welcome bonus: CAD $40 after first purchase using promo code GETCASH - Yield: Yes, on the spendable balance: the chequing balance behind the prepaid Mastercard earns 1.25% (Core) / 1.75% (Premium) / 2.25% (Generation), calculated daily and paid monthly. Canada only; rate tiered by assets held (checked 2026-07-20) - IBAN / SWIFT / SEPA: No IBAN; SWIFT/BIC WSIMCAT2 for wires; no SEPA (Canada only) - Blockchain top-up: No direct blockchain top-up (must sell crypto to CAD inside Wealthsimple first; BTC/ETH deposit addresses only fund the crypto account) - Top-up methods: Direct deposit, Interac e-Transfer, crypto from Wealthsimple account - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: CAD 1,000/day - Daily spending limit: Not disclosed - Official site: https://www.wealthsimple.com/ - Editor note: Wealthsimple ended the 1% unlimited cash back on the prepaid Cash Mastercard on October 1, 2025. The prepaid card now earns 0% cash back and has been repositioned around unlimited ATM-fee reimbursement instead. Cash-back rewards moved to the separate Wealthsimple Credit Visa Infinite card. If you signed up for cash back specifically, this is no longer the right product. - Last reviewed: 2026-07-20 ## Cryptomus Card https://sweepbase.net/cards/cryptomus-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa + Mastercard (user choice) - Custody: Custodial - Countries available: Global (EUR/USD denominated; subject to compliance restrictions) - KYC: Yes - Regions with KYC: Global - Issuance fee: $4 - Annual fee: Not disclosed - FX fee: 3.2% conversion fee on loading - Cashback: None - Welcome bonus: None (only $4 issuance fee, no sign-up bonus disclosed) - Yield: Not on the card balance: the card is funded by topping up a dedicated card wallet, while yield requires locking funds in staking (minimum 3 days; ~3% on USDT/ETH/BNB/DAI, up to ~20% on TRX) (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (virtual prepaid only) - Blockchain top-up: Stablecoin top-ups (USDT, USDC) plus BTC, ETH, SOL and other coins from Cryptomus wallet across supported networks (ERC20, TRC20, BEP20) - Top-up methods: USDT, USDC from Cryptomus Personal Wallet only - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not available (virtual card only) - Daily spending limit: Not disclosed - Official site: https://cryptomus.com/cards - Editor note: Virtual-only, issued instantly, funded from your Cryptomus wallet in USDT or USDC. The catch shoppers skim past: every single load costs 3.2%, on top of the $4 issuance fee, with no cashback to claw any of it back. Per-transaction and conversion fees are disclosed only as "may vary," and some card types add maintenance or inactivity charges. Announced around late February 2026, so independent review history stays thin. - Last reviewed: 2026-07-20 ## Keytom Card https://sweepbase.net/cards/keytom-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa Debit - Custody: Custodial - Countries available: Hong Kong - KYC: Yes - Regions with KYC: Hong Kong (card issuance only — usable globally at 130M+ Visa/Mastercard merchants once issued) - Issuance fee: $10 - Annual fee: Not disclosed - FX fee: 1.35% - Cashback: None - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: IBAN yes (named personal EUR IBAN); SEPA yes; no SWIFT mentioned - Blockchain top-up: BTC, ETH, USDC, XRP, TON and 10+ assets deposited into Keytom wallet, converted to EUR for card - Top-up methods: USDC, EUR, BTC, ETH - Mobile pay: Not disclosed - ATM withdrawal limit: Not available (virtual card only) - Daily spending limit: $150,000/day - Official site: https://keytom.com/card - Editor note: Keytom's card-issuance is strictly limited to Hong Kong per the official jurisdiction notice on keytom.com/card-page. The "180+ countries" claim referenced merchant acceptance after issuance, not eligibility — outside Hong Kong, applicants cannot get the card. We updated the eligibility row to reflect HK-only issuance. - Last reviewed: 2026-06-22 ## Bitsa Card https://sweepbase.net/cards/bitsa-card - Issuer (BIN sponsor, named in the card's own terms): PECUNPAY (Pecunia Cards EDE) — Spain (Bank of Spain EMI CSB 6707) - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Custodial - Countries available: Spain, France, Germany, Italy, Portugal, Netherlands, Austria, Belgium, and other EEA nations - KYC: Yes - Regions with KYC: EEA - Issuance fee: Virtual EUR 2.50; Physical EUR 20 (all plans). Plans: Move EUR 0.99/month (EUR 8.99/year); Pro EUR 9.99/month (EUR 69.99/year) - Annual fee: Included in tier pricing - FX fee: 1.75% outside the eurozone; 2% rest of world - Cashback: Up to 15% cashback via partner gift cards/coupons (Spotify, Sony, Nintendo, etc.) at select partners only; 0% general spend cashback - Welcome bonus: None standard (promo: 3 free months Pro plan on recharge) - Yield: No - IBAN / SWIFT / SEPA: IBAN yes (unique personal IBAN via Pecunpay); SEPA yes; no SWIFT - Blockchain top-up: BTC, ETH, LTC and others via generated blockchain deposit address; auto-converted to EUR - Top-up methods: Crypto (ETH, BTC), bank transfer, vouchers - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: EUR 450 - Daily spending limit: Free: EUR 1,500/day; Move: EUR 5,000/day; Pro: EUR 15,000/day - Official site: https://bitsacard.com - Editor note: Bitsa is a live Visa prepaid crypto card you can order from the app right now. The catch a shopper will miss: the 'up to 15%' cashback only applies to purchases on partner platforms like Spotify, Sony, and Nintendo, so ordinary card spending earns nothing. Also budget for issuance, the physical card costs €20 and the virtual €2.50 even on the free plan, and FX runs 1.75% in non-euro zones or 2% elsewhere. - Last reviewed: 2026-06-22 ## Eversend Card https://sweepbase.net/cards/eversend-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa + Mastercard (virtual card works on both networks) - Custody: Custodial - Countries available: Ghana, Kenya, Rwanda, Uganda, Nigeria, Tanzania - KYC: Yes - Regions with KYC: Africa (mobile-money top-up live in 4 of 6 markets) - Issuance fee: Free - Annual fee: $1/month maintenance on active virtual card. - FX fee: 3.5% cross-border/FX fee on non-USD. - Cashback: None - Welcome bonus: None disclosed (referral rewards only) - Yield: No - IBAN / SWIFT / SEPA: No IBAN/SEPA (African markets); virtual USD/EUR collection accounts for receiving; no SWIFT for card - Blockchain top-up: BTC, ETH, USDT and other supported coins to generated deposit address, then converted to fiat - Top-up methods: Mobile money (Ghana, Kenya, Rwanda, Uganda); Visa/Mastercard debit/credit cards in 15+ currencies - Mobile pay: Yes (Apple Pay) - ATM withdrawal limit: Not available (virtual card only) - Daily spending limit: $2,000/day - Official site: https://eversend.co - Editor note: Africa is the corridor most card issuers list as 'global, available in 100+ countries' without ever wiring up local rails. Eversend actually does. Mobile-money top-up is live in Ghana, Kenya, Rwanda, and Uganda. There is no cashback, and the FX schedule (up to 3.5% plus $0.50 per non-USD transaction) is high enough that this is not a card to use for cross-corridor spending. As a virtual-only utility for receiving USD into a mobile-money wallet and spending domestically, it is the right tool. As a daily debit card it is not. - Last reviewed: 2026-06-22 ## Airtm Card https://sweepbase.net/cards/airtm-card - Issuer (BIN sponsor, named in the card's own terms): Lead Bank — USA (Missouri state-chartered) — via Bridge (Stripe-owned program manager) - Card type: Virtual only - Network: Visa Prepaid - Custody: Custodial - Countries available: 190+ countries (primary: Argentina, Venezuela, Colombia, Ecuador). US restricted: CT, HI, NY, NH, TX, VT, VA - KYC: Yes - Regions with KYC: Global (190+ countries) - Issuance fee: Free - Annual fee: Not disclosed - FX fee: 1% on first $200 loaded/month - Cashback: None - Welcome bonus: Up to 5 USDC fee credit on first withdrawals (covers fees only, not cash) - Yield: Not on the card balance: Blend is an opt-in DeFi liquidity-pool product you move funds into (5.81% APY on USDC, minimum 5 USDC); the regular spendable balance earns nothing (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (USD virtual prepaid, no IBAN/SEPA) - Blockchain top-up: USDC top-up via Airtm balance; no direct on-chain card funding - Top-up methods: USDC balance; 400+ local payment methods (bank, crypto, mobile, wallets); debit/credit card - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not available (virtual card only) - Daily spending limit: $2,000/day - Official site: https://www.airtm.com - Editor note: This is a virtual-only USD prepaid Visa you request inside your Airtm account, not a physical card, and card issuance is limited to about 15 verified-residence countries Airtm doesn't publish. The 1% everyone quotes is not a spending fee: it's a load fee on the first $200 you add each calendar month, so about $2 at most, while the foreign-exchange fee is actually 0% under the Bridge agreement. Also budget for a $1 inactivity fee after 30 idle days, a 1% card-deletion fee, and no cashback. - Last reviewed: 2026-07-20 ## Noones Card https://sweepbase.net/cards/noones-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa Prepaid - Custody: Custodial - Countries available: Global (focus: Nigeria, Ghana, China, India, Philippines) - KYC: Yes (address verification for >$500 top-up) - Regions with KYC: Global - Issuance fee: 1 USDT to activate (standard virtual Visa card). - Annual fee: Not disclosed - FX fee: 3% cross-border + $0.50 per non-US transaction - Cashback: None - Welcome bonus: None - Yield: No - IBAN / SWIFT / SEPA: None (virtual USD Visa only) - Blockchain top-up: USDT via Tron (TRC-20), Ethereum (ERC-20), BSC (BEP-20), TON, Solana - Top-up methods: USDT from NoOnes wallet; P2P marketplace crypto purchase - Mobile pay: Not disclosed - ATM withdrawal limit: Not available (virtual card only) - Daily spending limit: Up to $50,000 - Official site: https://noones.com - Editor note: NoOnes Card is a live virtual Visa, no physical version, funded straight from your NoOnes wallet in USDT. It is custodial: NoOnes holds the balance, and you can close the card to pull the remaining USDT back out. Standard verification caps top-ups at $500, there is no cashback, and non-US purchases carry a 3% cross-border fee plus $0.50 per transaction. The catch shoppers miss sits earlier: NoOnes' own page lists a per-top-up deposit fee of 2 USDT or 1.5%, so you pay before you spend a cent. - Last reviewed: 2026-06-22 ## BitMart Card https://sweepbase.net/cards/bitmart-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa Debit - Custody: Custodial - Countries available: 115+ countries including all 50 US states (as of 2026-02) - KYC: Yes - Regions with KYC: Global - Issuance fee: Virtual $0; Plastic $70; Platinum (metal) $120 - Annual fee: $0 (landing page: '0 Annual Fee'; FAQ: none) - FX fee: 1.3% card transaction fee (applies to all transaction types; the fees page labels the same charge a foreign-exchange fee, no separate FX rate disclosed) - Cashback: Up to 5.5% cashback (grocery/dining first month); 4.0% online (first month); ongoing 3.5-5.0% by category; $300+ annual rewards - Welcome bonus: Up to 88 USDT card bonus (promo weeks) + up to 14,000 USDT exchange rewards hub - Yield: Not on the card balance: "The BitMart Card shares the balance with your Spot Account", and BitMart Earn (flexible up to ~15% APY, fixed 2.88-18.88%) requires subscribing funds in. Note BitMart also sells a separate Crypto Prepaid Card advertising 6% APR on its own balance (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (no IBAN/SEPA tied to card; SEPA only via third-party fiat on-ramps) - Blockchain top-up: USDT, USDC, BTC, ETH, SOL, ADA, BMX, XRP, LTC, DOGE, TON, BNB deposited to BitMart account - Top-up methods: Crypto from BitMart wallet (BTC, ETH, USDT, USDC and 1000+ tokens) - Mobile pay: Not disclosed - ATM withdrawal limit: Not disclosed - Daily spending limit: Not disclosed - Official site: https://www.bitmart.com - Editor note: BitMart's card is live across three Visa tiers, but read the fee lines together. The marketing page calls the 1.3% a 'Card Transaction Fee (applies to all types)' while the official fees page labels the same charge a 'Foreign Exchange Fee,' so a shopper checking only the latter won't know it hits domestic swipes too. The headline 5.5% cashback is also a first-month new-user rate: it settles to 5.0% grocery/dining and 3.5% online from month two. - Last reviewed: 2026-07-20 ## Meru Card https://sweepbase.net/cards/meru-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Hybrid (custodial USD card balance; separate non-custodial crypto wallet in app) - Countries available: Latin America focus: Mexico, Colombia, Bolivia, Brazil, Argentina; account opening advertised globally with local rails limited to listed markets - KYC: Yes - Regions with KYC: Latin America (Mexico, Colombia, Bolivia, Brazil, Argentina rails) + US ACH/Wire - Issuance fee: Virtual free (minimum balance required); physical $5 + shipping - Annual fee: Free - FX fee: 1.2% on non-USD purchases and ATM withdrawals; 1% international card payments - Cashback: None - Welcome bonus: None disclosed - Yield: Not on the card balance: "La rentabilidad se aplica al saldo que ingreses al sistema DeFi" - yield applies only to funds moved into the DeFi module (~13% APY average claimed), while MeruCard has its own loadable balance (checked 2026-07-20) - IBAN / SWIFT / SEPA: Yes — US account/routing (ACH + Wire) and European IBAN (SEPA) - Blockchain top-up: Yes — USDC/USDT deposits on Ethereum, Arbitrum, Base, Polygon, Solana, Stellar, BSC and Tron credit the USD balance - Top-up methods: USDC, USDT (Ethereum, Arbitrum, Base, Polygon, Solana, Stellar, BSC, Tron), ACH/Wire, SPEI, PIX, PSE, QR Bolivia, MoneyGram, card deposit - Mobile pay: Yes (Google Pay; Apple Pay not disclosed) - ATM withdrawal limit: Any Visa ATM (PIN set in app); operator fees apply, own limits not disclosed - Daily spending limit: Not disclosed - Official site: https://getmeru.com/ - Editor note: Meru is best read as a dollar account for Latin America that happens to ship a card, not a rewards product: there is no cashback at all, and the 1.2% FX only bites if you spend outside USD. The real value is the rails — stablecoin deposits on eight chains plus SPEI, PIX and MoneyGram cash-out — which most LatAm competitors cannot match. Two caveats from the terms: the issuing bank is not named in Meru's own documents (Rain's site claims Meru runs on Rain-issued cards), and ATM limits are simply not published. - Last reviewed: 2026-07-20 ## ZEN Card https://sweepbase.net/cards/zen-card - Issuer (issuer, named in the card's own terms): UAB ZEN.COM — Lithuania (Bank of Lithuania e-money licence No. 35, issued 2018-05-24) - Card type: Virtual + Physical - Network: Mastercard Debit - Custody: Custodial - Countries available: 30 EEA countries, United Kingdom (FCA-registered ZEN-UK), Singapore (MAS-licensed) - KYC: Yes - Regions with KYC: Europe (30 EEA countries + UK), Singapore - Issuance fee: First virtual free; physical EUR 10 on Free plan (first free on Gold and up) - Annual fee: Free plan EUR 0/mo; Gold EUR 0.90/mo; Platinum/Pro EUR 6.90/mo - FX fee: 0.50% over Mastercard rate on Free plan (0.20% Gold, 0% Platinum/Pro); +0.40% outside FX market hours except Pro - Cashback: Merchant-funded cashback at 500+ partner stores (per-merchant rates in app); Free plan gets 50% of the amount, paid plans 100% - Welcome bonus: None disclosed - Yield: No (e-money account; crypto buy/sell via partner exchanges) - IBAN / SWIFT / SEPA: Yes — multi-currency IBAN (35 currencies); SEPA incoming free, outgoing EUR 0.25 (free Platinum/Pro); SEPA Instant; SWIFT 0.10% + EUR 3-5 - Blockchain top-up: Yes — deposits from external wallets in 12 assets, auto-converted to EUR at 0.5% (one-time deposit addresses) - Top-up methods: Crypto deposit in 12 assets (BTC, ETH, USDT, USDC, DAI, SOL, ADA, LTC, DOGE, BCH, TRX, AVAX — auto-converted to EUR, 0.5% fee), SEPA/SWIFT, cards, BLIK, iDeal, PayPal and other local methods - Mobile pay: Yes (Apple Pay; Google Pay; Xiaomi Pay; Garmin Pay) - ATM withdrawal limit: 1.5% on Free plan; free up to EUR 200/mo on Gold, EUR 800/mo on Platinum/Pro, then 1.5% - Daily spending limit: Not disclosed (set per account) - Official site: https://www.zen.com/payment-cards/ - Editor note: ZEN is a fiat e-money product with a crypto on-ramp bolted on: every coin you deposit is converted to EUR by an external partner before it touches the card, so nothing is ever spent from a crypto balance. Judged as that — a multi-currency account with 12-asset deposit rails and a 35-currency IBAN — it is genuinely useful, especially on Platinum/Pro where the FX markup drops to zero. Watch the Free plan: 0.5% FX plus a 0.4% off-market-hours surcharge stacks up, and the much-advertised cashback is per-merchant, in-app only, and halved for free users. - Last reviewed: 2026-07-14 ## Grey Card https://sweepbase.net/cards/grey-card - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual only - Network: Visa Prepaid - Custody: Custodial - Countries available: Africa-first: Nigeria, Kenya, Ghana, South Africa, Tanzania, Uganda; also Brazil, Mexico, India, Philippines, Indonesia and other markets — card availability depends on jurisdiction - KYC: Yes - Regions with KYC: Africa (Nigeria, Kenya, Ghana, South Africa, Tanzania, Uganda) + emerging markets, 70+ countries - Issuance fee: $5 one-time ($4 creation + $1 credited to card) - Annual fee: Free - FX fee: 2% + $0.50 on cross-border transactions; 1% in-app currency conversion (capped $6 on major pairs) - Cashback: None - Welcome bonus: None disclosed - Yield: Unclear: the site advertises a "flexible high-yield savings option" with no rate and no statement of which balance earns or whether the card can spend it (checked 2026-07-20) - IBAN / SWIFT / SEPA: Foreign-currency receiving accounts: USD (ACH/FedNow/Fedwire), EUR (SEPA), GBP (FPS); local-currency withdrawals in 70+ countries - Blockchain top-up: Yes — direct USDC deposits on BEP-20 and Solana, converted to USD instantly on receipt - Top-up methods: Funded from USD balance ($1 per card load); balance via bank transfer (ACH/FedNow/SEPA/FPS at 0.8%), mobile money, direct USDC deposits (BEP-20, Solana) - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: No ATM access (virtual-only card) - Daily spending limit: Not disclosed - Official site: https://grey.co/cards - Editor note: Grey is a remittance product first and a crypto card a distant second: USDC on two chains is the only crypto rail, and it converts to USD the moment it lands. For its actual audience — freelancers in Nigeria, Kenya or Ghana getting paid from abroad — the free stablecoin deposit plus M-Pesa and Pix withdrawal rails are the real feature, and the $5-once pricing is honest. Two things the marketing page does not dwell on: every card load costs $1, and cross-border spend carries 2% + $0.50. Note also the help-center still describes a Mastercard variant while the current card is marketed as Visa — a sign of a recent programme migration. - Last reviewed: 2026-07-20 ## Zoomex Card https://sweepbase.net/cards/zoomex-card - Issuer (BIN sponsor, named in the card's own terms): SR Saphirstein AG (Fiat24 / UR) — Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021) - Card type: Virtual only - Network: Mastercard Prepaid - Custody: Custodial - Countries available: Most of Europe, Canada, Brazil, Australia, New Zealand, Japan, Singapore, Hong Kong, Malaysia, South Korea, Taiwan, China, UAE, Réunion. Not available: USA, Russia, Iran, North Korea - KYC: Yes - Regions with KYC: Europe (EEA + UK, CH, IS, NO, LI), Canada, Brazil, Australia, New Zealand, Japan, Singapore, Hong Kong, Malaysia, South Korea, Taiwan, UAE - Issuance fee: Free - Annual fee: Free - FX fee: 0% same-currency spend; cross-currency via UR/Mastercard rates (~1-2%) - Cashback: $10 welcome cashback for a $5+ purchase within 30 days; ongoing cashback promo-dependent (launch promo was 1%), MCC exclusions apply - Welcome bonus: $10 cashback for a single $5+ purchase within 30 days of card activation (MCC exclusions apply) - Yield: Not on the card balance: yield sits in exchange-side Savings and liquidity-mining products you subscribe funds into (up to ~20% APY claimed), while the card runs on a separate multi-currency fiat account (checked 2026-07-20) - IBAN / SWIFT / SEPA: Yes — free UR Pro membership unlocks SEPA and SWIFT transfers on the UR multi-currency account - Blockchain top-up: No direct on-chain card loading — USDC moves from the Zoomex exchange account and is converted to fiat - Top-up methods: USDC converted from Zoomex exchange account into fiat card balances (USD, CHF, EUR, SGD, HKD, JPY) at 1% conversion fee - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: No ATM withdrawals - Daily spending limit: EUR 10,000/day, EUR 20,000/month card limits (UR Pro tier, included free) - Official site: https://www.zoomex.com/en/card - Editor note: Zoomex's card economics are clean — nothing to pay upfront, 0% in-currency spend, and the 1% USDC conversion is the only mandatory cost — but read the reward fine print before counting on cashback: beyond the one-off $10 welcome promo, the ongoing rate is whatever the current promotion says, with a long MCC exclusion list. The UR platform underneath contributes real utility (six fiat balances, SEPA/SWIFT, EUR 10k daily limits) and real caveats: passport-NFC KYC, no VPNs, and UR's own docs state there is no deposit protection. - Last reviewed: 2026-07-20 ## Blackcatcard https://sweepbase.net/cards/blackcatcard - Issuer (issuer, named in the card's own terms): Papaya Ltd — Malta (MFSA registration C 55146) - Card type: Virtual + Physical - Network: Mastercard Debit - Custody: Custodial - Countries available: 29 EEA countries for card delivery (AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IS, IE, IT, LV, LI, LT, LU, MT, NL, PL, PT, RO, SK, SI, ES, SE); Russia/Belarus residents excluded - KYC: Yes - Regions with KYC: Europe (EEA residents for the physical card; non-EEA can open account + IBAN without card) - Issuance fee: Free (first card, free delivery); additional card EUR 7 - Annual fee: EUR 0/month with one card; EUR 2/month if holding additional cards - FX fee: 3% conversion margin over Mastercard rate on non-EUR spend (SEK, CZK, PLN, BGN, RON exempt) - Cashback: 0.5% base on purchases; 5% Google Play; 2% Amazon; no staking required - Welcome bonus: None disclosed - Yield: Yes, on the spendable balance (mode-gated): 4% p.a. reward on average monthly balances of EUR 300 or more, 2.2% p.a. below that. Blackcatcard calls it a reward, not an interest-bearing product, and it is selected in the app instead of purchase cashback (checked 2026-07-20) - IBAN / SWIFT / SEPA: Yes — free personal European IBAN (also for non-EEA residents); SEPA: first 5 transfers/month free, then EUR 0.20 - Blockchain top-up: Crypto wallet accepts external deposits (BTC, ETH, USDT ERC-20/TRC-20, USDC), but the card spends EUR only after manual conversion - Top-up methods: SEPA transfer, card-to-card (3%), internal transfers, selling crypto (BTC, ETH, USDT ERC-20/TRC-20, USDC) to EUR in-app - Mobile pay: Conflicting — Apple Pay announced officially (Nov 2025), Google Pay not confirmed; older help articles said no mobile wallets - ATM withdrawal limit: EU ATMs free up to EUR 200/month then 1%; non-EU 1% (min EUR 1.50); EUR 5,000/day, EUR 10,000/month - Daily spending limit: EUR 5,000/day ATM cap; crypto trade limits EUR 2,000/day, EUR 10,000/month - Official site: https://blackcatcard.com/ - Editor note: Blackcatcard is an EU e-money account with a crypto wallet attached, not a crypto-spend card: coins sit in a custodial wallet until you manually sell them to EUR. The free tier is honestly free — card, IBAN, delivery, EUR 200/month of EU ATM — which is rare, and Papaya's Malta EMI licence is disclosed plainly. The costs cluster at the edges: 3% FX on non-EUR spend, 3% card top-ups, and tight crypto limits (EUR 2,000/day). Mobile-wallet support has been contradictory across their own channels — Apple Pay was announced in late 2025, but verify in-app before relying on it. - Last reviewed: 2026-07-20 ## Takenos Card https://sweepbase.net/cards/takenos-card - Issuer (BIN sponsor, named in the card's own terms): Pomelo S.A. — Argentina (BaaS, multi-LatAm) - Card type: Virtual + Physical (physical only Bolivia and Ecuador) - Network: Visa Prepaid - Custody: Custodial - Countries available: App available in Argentina, Bolivia, Peru, Chile, US, Paraguay, Uruguay, Brazil, Colombia, Ecuador, Spain, Italy; physical card only in Bolivia and Ecuador - KYC: Yes - Regions with KYC: Latin America: Argentina, Bolivia, Peru, Chile, Paraguay, Uruguay, Brazil, Colombia, Ecuador + US, Spain, Italy app availability - Issuance fee: Virtual $5; physical: Bolivia $20 + $20 shipping, Ecuador $12 - Annual fee: Free - FX fee: 1% commission on every purchase; non-USD converted at Visa official rate + the 1% - Cashback: None disclosed for the card - Welcome bonus: None disclosed (referral program exists in-app) - Yield: Yes, on the spendable balance (opt-in): "Rendimiento de Balance" pays daily on the digital-dollar balance and "Tu saldo en Takenos es el saldo de tu TakeCard. No necesitas recargar por separado." 2.0% APY from $200, 2.5% from $300, 3.0% from $500, credited monthly; nothing accrues below $200 (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA EUR deposits and US ACH/wire virtual account for receiving funds (wallet rails, not a personal IBAN on the card) - Blockchain top-up: Yes — USDT/USDC deposits on BNB Smart Chain, Polygon, Tron and Ethereum, free of receiving fees - Top-up methods: USDT/USDC on BEP-20, Polygon, Tron, Ethereum (no deposit fee); USD via ACH/wire; EUR via SEPA; BRL via Pix; local rails ARS/BOB/PEN/CLP/PYG - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Physical card only: 1% Takenos fee + ~$5 ATM operator charge - Daily spending limit: Default $5,000/week, adjustable in-app up to $20,000/week - Official site: https://takenos.com - Editor note: The TakeCard pricing model is unusually honest for LatAm: one flat 1% on every transaction at Visa's official rate, with stablecoin deposits genuinely free on four chains. The flip side is that the 1% applies even to plain USD purchases, so heavy spenders pay more here than on 0%-FX competitors. Physical cards exist only for Bolivia and Ecuador (at a steep $40 all-in for Bolivians), everyone else stays virtual. Rain is named as the card provider in Takenos' own terms — a level of supply-chain disclosure most regional rivals avoid. - Last reviewed: 2026-07-20 ## Belo Card https://sweepbase.net/cards/belo-card - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical (up to 3 virtual cards per year) - Network: Mastercard Prepaid - Custody: Custodial - Countries available: Card requires Argentine ID and delivery address; belo app operates across Latin America (3M+ users), expansion to Brazil and Mexico announced - KYC: Yes - Regions with KYC: Latin America (card: Argentina only) - Issuance fee: Free (issuance and shipping) - Annual fee: Free - FX fee: Percentage not disclosed; minimum 0.30 USDT per international transaction (0.40 USDT for some digital merchants) - Cashback: None currently (the 2-21% random crypto cashback program ended October 2023) - Welcome bonus: None disclosed - Yield: Yes, on the spendable balance (opt-in): activating yield converts the account balance itself into DeFi-protocol tokens shown under the main balance, and "cuando usas tu saldo en el token, se reduce la cantidad de unidades que tenes". Variable TNA per coin (roughly 3% USDT/USDC, 7% SOL), not guaranteed; USD earns nothing (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (local Argentine rails via app) - Blockchain top-up: Crypto funds the app balance; supported deposit chains not disclosed - Top-up methods: ARS bank transfer, debit/credit card, crypto (BTC, ETH, USDT, USDC); direct on-chain deposit chains not disclosed - Mobile pay: Yes (Google Pay; Apple Pay only on the separate belo LUX Visa) - ATM withdrawal limit: Argentina only, ~ARS 60,000/day typical; fee 3% or 0.50 USDT minimum - Daily spending limit: Not disclosed - Official site: https://www.belo.app/ - Editor note: If you have seen belo's '21% cashback' quoted around the internet, note the source: that was a random-reward promotion that belo's own terms mark as finished on 10 October 2023, and nothing has replaced it. What remains is still a decent deal for Argentines — a genuinely fee-free prepaid Mastercard that spends stablecoins at any terminal — with unusually clean disclosure (Paxsys as issuer, Pomelo as processor) and fresh Tether-led funding behind it. Mind the housekeeping rules: the FX markup is unpublished beyond a USDT minimum, and an unused card is auto-cancelled after three months. - Last reviewed: 2026-07-20 ## Pionex Card https://sweepbase.net/cards/pionex-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): StraitsX — Singapore - Card type: Virtual only (physical by invitation) - Network: Visa or Mastercard (user picks one) - Custody: Custodial - Countries available: 100+ countries. Excluded: United States, China, Hong Kong, France, Austria, Japan and sanctioned regions - KYC: Yes - Regions with KYC: 100+ countries incl. Middle East; not USA, China, Hong Kong, France, Austria, Japan - Issuance fee: Free - Annual fee: Free (no inactivity fee) - FX fee: Visa: flat 1% on all spend (no separate FX line); Mastercard: 2% (schedule header says up to 3.5%); USD/USDT conversion fixed 1:1 free - Cashback: 1% in USDT uncapped on Visa (0.1-1% on Mastercard); no staking or token required; 0% on ATM and some MCCs - Welcome bonus: None disclosed - Yield: Yes, on the spendable balance: USDT sitting in the Pionex Card account earns 5% APY, accruing continuously with no lock-up. Funds are deposited into the card account from the exchange side; 100 USDT minimum to apply (checked 2026-07-20) - IBAN / SWIFT / SEPA: None disclosed for the card - Blockchain top-up: No direct on-chain card loading — deposit crypto to the exchange, then transfer USDT to the card account - Top-up methods: USDT internal transfer from Pionex exchange account to card account - Mobile pay: Yes (Apple Pay; Google Pay; PayPal binding) - ATM withdrawal limit: Visa: 2% fee, $3,000/day, $7,000/month (no cashback on ATM) - Daily spending limit: Visa $10,000/day, $50,000/month; Mastercard defaults $20,000/day, $100,000/month - Official site: https://www.pionex.com/en/card/introduction-common - Editor note: Pionex's card math is a wash by design: the Visa charges a flat 1% on every purchase and hands back 1% in USDT, so the real yield is the 5% APY on whatever sits on the card. Fine print worth reading: cashback rates were adjusted several times in 2026, ATM runs at 2% with no cashback, purchases under $1 cost 0.2 USDT after the first each month, and disputing a Visa transaction can cost up to 600 USDT in arbitration fees. The issuing bank is not named anywhere in the fee schedule, and Pionex's own docs disagree about whether a physical card exists (invitation-only, per the blog). - Last reviewed: 2026-07-20 ## UglyCash Card https://sweepbase.net/cards/uglycash-card - Issuer (BIN sponsor, named in the card's own terms): BFF Cards, LLC — USA (program issuer named in the cardholder agreement; no sponsor bank named) - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Custodial - Countries available: US, Mexico, El Salvador, Ecuador, Argentina and wider Latin America; Nigeria bank transfers; features vary by country (two parallel user agreements: BFF Prime / BFF United) - KYC: Yes - Regions with KYC: Americas (US, Mexico, El Salvador, Ecuador, Argentina + wider LatAm), parts of Africa and Asia - Issuance fee: Not disclosed (card use "no cost, subsidized by UGLYCASH") - Annual fee: Free - FX fee: Not disclosed in fee schedules - Cashback: 1% base paid weekly in RSR tokens; up to 6% with paid "Ridiculously Exclusive" membership; ATM excluded - Welcome bonus: None disclosed - Yield: Yes, on the spendable balance: the account balance is eUSD and the Visa debits that same balance ("we'll debit the equivalent amount from your stablecoin balance"); rewards up to 7% APY credited in real time with funds unlocked. The help centre quotes both 6% and 7% (checked 2026-07-20) - IBAN / SWIFT / SEPA: USD ACH/wire send-receive; EUR bank transfers supported; no personal IBAN stated - Blockchain top-up: Yes — free crypto deposits; withdrawals of eUSD, hyUSD and USD3 free on Base; trading across Solana, Base and BNB Chain - Top-up methods: Free crypto deposits; US/EU/MEX bank rails (ACH $2, wire $12, MXN at 0.5% margin); cash deposits in El Salvador ($2); P2P between users - Mobile pay: Not disclosed (Visa Click to Pay from July 2026) - ATM withdrawal limit: $2.50 + 1-2% depending on country (BFF United) or $1 + 1.5% (BFF Prime); daily limits not disclosed - Daily spending limit: Not disclosed (support-center article) - Official site: https://ugly.cash/ - Editor note: UglyCash pays its cashback in RSR — the Reserve Protocol token — which means your 1% (or 6% on the paid tier) rises and falls with a fairly volatile asset rather than sitting safely in dollars; treat the advertised rate as a ceiling, not a promise. The structure is more transparent than most LatAm rivals: the issuer (BFF Cards, LLC, authorized by Puerto Rico's OCIF) is named in the agreement, and the entity hub is public. Gaps that remain: no published FX fee, no published card limits, and two parallel user agreements with different ATM pricing depending on which entity serves your country. - Last reviewed: 2026-07-20 ## Trocador Card https://sweepbase.net/cards/trocador-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only (email delivery, single-load) - Network: Visa or Mastercard (depends on provider) - Custody: Custodial (balance held by third-party card provider; Trocador brokers the purchase without custody) - Countries available: International; per-provider restricted lists (Russia, Cuba, Venezuela and sanctioned regions excluded); no refund if redeemed from a restricted country - KYC: No - Regions with KYC: International, minus each provider’s restricted and sanctioned countries; VPNs rejected - Issuance fee: 3% of card amount + $2 one-time convenience fee (extra conversion fee for non-native cryptos via AnonPay) - Annual fee: Not disclosed (provider-dependent; third-party sources mention monthly fees after inactivity) - FX fee: Provider conversion fee on non-USD spend, usually 2% or $0.75 - Cashback: None - Welcome bonus: None - Yield: No - IBAN / SWIFT / SEPA: None - Blockchain top-up: Purchase-time only: stablecoins natively on multiple chains; Monero and other coins via AnonPay with possible extra conversion fee - Top-up methods: Single-load at purchase: pay exact crypto amount to a generated address; stablecoins native on multiple chains, Monero/BTC/others via AnonPay; no reload — buy another card instead - Mobile pay: Usually importable into Apple Pay, Google Pay or Samsung Pay — varies by provider, country and device - ATM withdrawal limit: Not available (virtual prepaid) - Daily spending limit: Up to ~$1,000 per card; unlimited number of cards - Official site: https://trocador.app/en/prepaidcards/ - Editor note: Be clear about what you are buying: Trocador does not run a card program, it resells single-load prepaids from third-party providers it does not name until checkout, and disclaims responsibility for them in its terms. As a privacy instrument — turning Monero into a ~$1,000 card that lives in Google Pay with zero documents — it does something almost nothing else on this site does. As an everyday card it is weak: no reloads, no 3DS (so many merchants decline), roughly 5% all-in cost on a full card, and delivery can take hours. Buy small, spend fast. - Last reviewed: 2026-07-14 ## BloFin Card https://sweepbase.net/cards/blofin-card - Issuer (BIN sponsor, named in the card's own terms): Paytend Europe UAB — Lithuania (Lietuvos bankas) — e-money licence REVOKED, effective 3 Mar 2026 - Card type: Virtual only - Network: Mastercard Prepaid - Custody: Custodial - Countries available: EEA region (EEA ID card or passport required); applications expanding gradually - KYC: Yes - Regions with KYC: EEA / Europe only (gradually expanding) - Issuance fee: Application fee deducted from Funding account — amount not published - Annual fee: Not disclosed - FX fee: 0% in EEA; 2% outside EEA - Cashback: None disclosed - Welcome bonus: None disclosed - Yield: Not on the card balance: BloFin Earn is a subscribe-and-redeem product (flexible or fixed 2-180 days) whose rewards land in a separate Earn Account; the card page asserts no yield (checked 2026-07-20) - IBAN / SWIFT / SEPA: None for the card; the exchange separately supports SEPA/SWIFT top-up of the trading account - Blockchain top-up: No — USDT moves internally from the exchange Funding Account - Top-up methods: USDT transfer from BloFin exchange Funding Account (card denominated in EUR) - Mobile pay: Not disclosed - ATM withdrawal limit: Not disclosed (virtual card positioned for online payments) - Daily spending limit: Not disclosed - Official site: https://blofin.com/en/crypto/cards - Editor note: BloFin's card documentation leaves more blanks than most: the application fee exists but its amount is unpublished, the issuing partner behind the Mastercard is unnamed, limits are undisclosed, and even Apple/Google Pay support goes unmentioned. What is verifiable — 0% EEA transactions, USDT-to-EUR flow, instant virtual issuance — is a reasonable deal for exchange users, but the apply-flow FAQ suggests a gated rollout ('shared with internal users… at the appropriate time'). Note the naming trap: the separate BloFin Wallet Card is a Rain-issued Visa with different fees (1% FX + 0.9% conversion) — do not mix the two products up. - Last reviewed: 2026-07-20 ## UPay Card https://sweepbase.net/cards/upay-card - Issuer (BIN sponsor, named in the card's own terms): JC Credit Limited — Hong Kong (money lender licence, Licensing Court) - Card type: Virtual + Physical (Premier Card) - Network: Visa Prepaid - Custody: Custodial - Countries available: Marketed globally; no country list published. Registrations: MSO Hong Kong, VASP Lithuania (in-principle), MSB US and Canada; Singapore stored-value via StraitsX (MAS-licensed) - KYC: Yes - Regions with KYC: Global (unspecified prohibited jurisdictions excluded); card program area listed as Singapore, USD currency - Issuance fee: Virtual: 10 USDT activation; physical: not disclosed - Annual fee: Free - FX fee: 0% cross-border per fee table, but 1.0% transaction fee on all spend (marketing page says 1.5% — conflicting) - Cashback: None advertised - Welcome bonus: None disclosed - Yield: Not on the card balance: the card carries its own top-up balance, distinct even from the wallet account, while yield lives in UPay Investment Plans with subscription and redemption steps (up to 30% APY on USDT claimed) (checked 2026-07-20) - IBAN / SWIFT / SEPA: None - Blockchain top-up: From UPay wallet balance (BTC, ETH, USDT); supported chains not disclosed - Top-up methods: Crypto top-up from UPay wallet (BTC, ETH, USDT; 0% collateral fee per fee table); chains not disclosed - Mobile pay: Yes (Apple Pay; Google Pay; PayPal/Alipay/WeChat Pay binding) - ATM withdrawal limit: ATM advertised, fee not disclosed in current fee table - Daily spending limit: $100,000 per transaction, $200,000 daily (virtual Premier) - Official site: https://upay.best/card - Editor note: UPay's numbers look generous — 0% FX, $200,000 daily limits, free top-ups — but the load-bearing figure is the per-transaction fee, and UPay's own pages disagree on it: the fee schedule says 1.0%, the card page says 1.5%. The company is also mid-rebrand (upay.best to upay.com, with the old Zendesk help centre already dead), the homepage now leads with B2B white-label issuing, and the Visa issuer behind the card is never named. StraitsX as the MAS-licensed Singapore partner is the strongest disclosure on offer. Usable, but verify the current fee sheet in-app before loading serious money. - Last reviewed: 2026-07-20 ## Fiwind Card https://sweepbase.net/cards/fiwind-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Mastercard Prepaid - Custody: Custodial - Countries available: Argentina (purchases worldwide wherever Mastercard is accepted; service and withdrawals Argentina-based) - KYC: Yes - Regions with KYC: Argentina - Issuance fee: Free - Annual fee: Free - FX fee: Not disclosed — spends settle in ARS; Argentine international-payment taxes may apply on foreign purchases - Cashback: None - Welcome bonus: None disclosed - Yield: Yes, on the spendable balance (opt-in): held balances "generan rendimientos automaticos que se acreditan diariamente y se suman directamente a tu balance" and stay available to "realizar pagos"; ARS is auto-invested in a money-market FCI. Argentina only (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (Argentine ARS rails + PIX for Brazil deposits) - Blockchain top-up: Via exchange wallet deposits (on-chain to Fiwind account); card itself draws from the platform balance - Top-up methods: Card draws from Fiwind balance: ARS transfers, PIX (Brazil), USD balance, USDC via Payoneer/Wise/Deel, on-chain crypto deposits to the exchange wallet - Mobile pay: Yes (Apple Pay; Google Pay; QR via Mercado Pago, Modo, Uala) - ATM withdrawal limit: Not disclosed (virtual card; withdrawals only within Argentina) - Daily spending limit: Set by Fiwind in-app, amounts not published - Official site: https://www.fiwind.io/tarjeta-virtual - Editor note: Fiwind's card is honestly free at the headline level — no issuance, maintenance or payment fees — but the economics live in the crypto-to-ARS conversion spread, which is only published inside the app, not on the public pages. That is the number an Argentine user should check first, along with the country's international-payment taxes that can land on foreign purchases. Curiosities from the terms: registration is open from age 13, and neither the issuing bank nor hard limits are disclosed publicly. Within Argentina's crowded prepaid market it competes head-on with Belo and Lemon; its edge is the 14-asset spend list. - Last reviewed: 2026-07-20 ## Busha Card https://sweepbase.net/cards/busha-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Not disclosed (third-party reviews say Mastercard, unverified) - Custody: Custodial - Countries available: Nigeria and Kenya - KYC: Yes - Regions with KYC: Africa (Nigeria, Kenya) - Issuance fee: Not disclosed - Annual fee: Not disclosed ("low fees" claimed, no schedule published) - FX fee: Not disclosed - Cashback: Instant cashback in Naira on in-app spending; card-specific rate not disclosed - Welcome bonus: None disclosed - Yield: Not on the card balance: yield requires subscribing into the separate Savings Wallet (AER 7.5%; homepage advertises up to 18% on eligible assets, "no guaranteed returns"), while the card spends the USD account and pays cashback (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (a "Global USD Account" is offered without published IBAN/SWIFT details) - Blockchain top-up: Crypto funds the Busha wallet; supported card-funding assets and chains not disclosed - Top-up methods: Fund instantly with local currency (NGN/KES) or crypto from the Busha wallet; wallet funded via bank transfer or card - Mobile pay: Not disclosed - ATM withdrawal limit: Not disclosed - Daily spending limit: Not disclosed - Official site: https://busha.io/ - Editor note: Busha earns its listing on regulatory substance — the first SEC Nigeria licence in the exchange space is not nothing — but its card is the least documented product in this database: after a January 2026 site relaunch, the old card pages 404, the help centre has zero card articles, and the network, fees and limits exist only inside the app. Older third-party reviews describe a USDC-funded virtual Mastercard with zero fees, which may or may not describe the current programme. Treat every number as unverified until you see it in-app, and check our data against the app before applying. - Last reviewed: 2026-07-20 ## Fasset Card https://sweepbase.net/cards/fasset-card - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual only (physical targeted Q1 2026, not yet launched) - Network: Visa Prepaid - Custody: Custodial - Countries available: Australia, Bangladesh, Hong Kong, Japan, Malaysia, New Zealand, Philippines, Singapore, Pakistan; Egypt, Ghana, Kenya, Morocco, South Africa, Uganda, Zambia, Cote d’Ivoire, Senegal; Mexico, Costa Rica, Dominican Republic, El Salvador, Guatemala, Honduras, Panama + Caribbean. Not issued in US, EU/UK, UAE/GCC, India, China, Turkey - KYC: Yes - Regions with KYC: Asia-Pacific, Africa, Latin America and Caribbean (see country list); not US, EU/UK, GCC, India, China - Issuance fee: 9.99 USDT one-time activation - Annual fee: Free (per-transaction, top-up, withdrawal fees waived during launch promo) - FX fee: ~2-3% effective on non-USD spend (own disclosures conflict: 1.1% + 1.1% cross-border in one version, 3% + 3% in another) - Cashback: No cash cashback — OWN Points on every purchase, no staking required - Welcome bonus: None disclosed - Yield: Not on the card balance: the issuer positions itself as interest-free (Sharia), the card is prepaid and topped up in USDT, and rewards are OWN Points rather than yield. The XAUt gold-card claim no longer appears on the live site (checked 2026-07-20) - IBAN / SWIFT / SEPA: Not disclosed for the card (app markets a USD account without stated rails) - Blockchain top-up: Yes — USDT top-up from the app wallet; supported blockchains: Ethereum, Polygon, Optimism, Arbitrum - Top-up methods: USDT from the Fasset app wallet (1-5,000 USDT per transaction, free); supported blockchains: Ethereum, Polygon, Optimism, Arbitrum - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay via manual entry) - ATM withdrawal limit: No ATM or cash access ("cash advances not available") - Daily spending limit: $2,000/day; one virtual card per user - Official site: https://www.fasset.com/fasset-card - Editor note: Fasset covers markets almost no other card here touches — Pakistan, Bangladesh, Kenya, the Philippines, most of Central America — and it names its issuer (Third National, a Puerto Rico money transmitter, not a bank) right in the terms, which most emerging-market cards refuse to do. The catch is the FX line: Fasset's own terms page embeds two disclosure versions quoting 1.1% and 3%, and its help centre settles on '2-3% effective'. Budget for the worst case. The $2,000 daily cap and points-not-cash rewards make this a remittance-and-spending tool, not a rewards play; the much-advertised 6% Tether Gold card is a separate product that has not shipped. - Last reviewed: 2026-07-20 ## Laso Card https://sweepbase.net/cards/laso-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only (single-load, non-reloadable) - Network: Mastercard or Visa (international variant; US network branding not plainly disclosed) - Custody: Custodial (prepaid balance with unnamed program banks; deposit from your own wallet) - Countries available: USA, Canada, 100+ countries for international cards; prohibited: Iran, North Korea, Syria, Libya and other sanctioned regions - KYC: No - Regions with KYC: USA (USD), Canada (CAD), international cards in 100+ countries; sanctioned regions excluded - Issuance fee: USA/Canada cards 0% deposit fee; international 3.8% - Annual fee: Free (cards expire after 6 months — remaining balance forfeited) - FX fee: ~2% on non-USD spend (international cards); USA/CAD single-currency - Cashback: None (referral program pays 20-25% of referred users’ deposit fees) - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: None (separate push-to-debit product for USD/EUR/GBP at 4.8%) - Blockchain top-up: Yes — purchase-time deposits on Ethereum, Arbitrum, Base, Polygon, Optimism, BNB Chain, Solana, Stellar (TON/TRON not supported) - Top-up methods: Single-load at purchase: USDC, USDT, DAI, USDC.e from your own wallet on Ethereum, Arbitrum, Base, Polygon, Optimism, BNB Chain, Solana, Stellar (no TON/TRON); no fiat, no reloads - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: Prohibited (FinCEN transfer-of-value rule) - Daily spending limit: $1,000/day and $1,000 max per card; minimum $20 (US/CAD) or $100 (international) - Official site: https://laso.finance - Editor note: Laso does no-KYC properly — no ID upload at all, just a wallet connection — but the card design punishes carelessness: cards are single-load, capped at $1,000, and expire after six months with the remaining balance fully forfeited, per the cardholder agreement. Load what you will spend within a few weeks, nothing more. Older reviews still describe Laso's reloadable cards; those products are marked inactive on the official compare table, and the current international refund fee is a steep 14% ($10 minimum), not the 5% figure floating around. The issuing bank is unnamed anywhere public. - Last reviewed: 2026-07-14 ## PokePay Card https://sweepbase.net/cards/pokepay-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical - Network: Visa Prepaid - Custody: Custodial - Countries available: Not disclosed (marketed globally, "130M+ merchants") - KYC: Yes - Regions with KYC: Marketed globally; Hong Kong and North America mentioned; no country list published - Issuance fee: Virtual from ~5 USDT; physical fee not disclosed - Annual fee: Free (FAQ hedge: "no annual fee in the 0th year") - FX fee: Claimed "0% cross-border", but no full fee schedule published - Cashback: None advertised - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: None - Blockchain top-up: Crypto deposits credit the account in ~15 minutes; supported chains not disclosed - Top-up methods: Crypto deposit to PokePay account: USDT, USDC, BTC, ETH (~15 min to credit); chains not disclosed - Mobile pay: Binding to WeChat Pay, Alipay, PayPal and Wise advertised; Apple/Google Pay not disclosed - ATM withdrawal limit: ATM advertised for the physical card; fee not disclosed - Daily spending limit: 100,000 HKD (~$12,800) daily - Official site: https://pokepay.com/ - Editor note: PokePay publishes almost no numbers: the site claims 0% cross-border fees and no annual fee, yet there is no fee schedule anywhere, and third-party reviews quoting ~1% top-up, ~1% spend and an $88 physical card cannot be verified against official sources. The corporate structure is a Canadian MSB plus a Polish VASP plus a Hong Kong money-lender licence — none of which is an e-money or banking licence — and the issuing bank is unnamed. Also mind the namesake: pokepay.jp is an unrelated Japanese e-money product. Treat this one as functional but opaque; confirm every rate in-app before loading. - Last reviewed: 2026-07-14 ## Lydian Card https://sweepbase.net/cards/lydian-card - Issuer (issuer, named in the card's own terms): Rain (Signify Holdings, Inc.) — USA (New York) - Card type: Virtual + Physical - Network: Visa Credit (collateralized) - Custody: Hybrid (non-custodial Lydian Wallet; card is collateralized credit funded with USDT/USDC through Rain) - Countries available: Not disclosed - KYC: Yes - Regions with KYC: Not disclosed ("availability may vary by country of residence") - Issuance fee: Free (both physical and virtual) - Annual fee: No annual fee per official site (April 2026 press reported $99/yr — site taken as source of truth) - FX fee: Not disclosed ("network or conversion fees shown before you complete a transaction") - Cashback: "Collect rewards" advertised, rate and currency not disclosed - Welcome bonus: None disclosed - Yield: No — none disclosed by the issuer - IBAN / SWIFT / SEPA: None disclosed - Blockchain top-up: Yes — USDT/USDC through the Lydian Wallet across Ethereum, Tron, Solana, Arbitrum, Base and Polygon - Top-up methods: USDT/USDC via Lydian Wallet; wallet supports Ethereum, Tron, Solana, Arbitrum, Base, Polygon and Bitcoin, with in-wallet swaps to card balance - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not disclosed - Daily spending limit: Not disclosed - Official site: https://cards.lydian.com/ - Editor note: Lydian launched in April 2026 with strong architecture — a collateralized credit structure through Rain, non-custodial wallet, free issuance — and remarkably little paperwork: no fee schedule, no FX rate, no limits, no country list, and legal pages that read like boilerplate. Even the annual fee is contested territory: launch coverage reported $99/year with 90 days free, while the current official comparison table says none. We list the site's claims and flag the rest as undisclosed; if you apply, screenshot the fee disclosures shown at transaction time, because that is currently the only place Lydian's real pricing appears. - Last reviewed: 2026-07-14 ## PEXX Card https://sweepbase.net/cards/pexx-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only (physical "coming soon") - Network: Mastercard Prepaid - Custody: Custodial - Countries available: New Mastercard (launched 6 July 2026): EEA, UK, Switzerland, Andorra, Monaco, San Marino, Liechtenstein + UK/EU territories; the money-transfer product separately covers 17+ countries - KYC: Yes - Regions with KYC: Europe: EEA + UK + Switzerland + microstates (card eligibility by KYC ID country + residence) - Issuance fee: Free (a $2 issuance fee may apply in some regions) - Annual fee: Free - FX fee: Own pages conflict: 1.2% FX + 0.6% platform fee (card FAQ) vs 2.6% flat (pricing) vs 1.8% + $0.30 (help center) - Cashback: None (the "earn" pitch is balance APY, not card spend) - Welcome bonus: None disclosed - Yield: Not on the card balance: interest accrues on the Main Wallet / Earn account (3.5% APY on USD/USDT/USDC, paid daily, tokenised Treasuries), while the card runs on a separate topped-up balance. Card history is turbulent: all Visa cards were discontinued in January 2026, the old Mastercard was deactivated during a partner switch, and a new virtual Mastercard launched 6 July 2026 for EEA and UK residents only (physical "coming soon") (checked 2026-07-20) - IBAN / SWIFT / SEPA: No IBAN/SEPA; US-style USD virtual account with routing + account number, no US residency required - Blockchain top-up: Yes — USDT (Tron, Polygon, BSC, Ethereum, Solana) and USDC (Base, Arbitrum, Ethereum, Polygon, BSC, Solana) - Top-up methods: USD bank transfer; USDT on Tron, Polygon, BSC, Ethereum, Solana; USDC on Base, Arbitrum, Ethereum, Polygon, BSC, Solana; minimum top-up $1 - Mobile pay: Google Pay yes; Apple Pay "coming soon" - ATM withdrawal limit: Not disclosed - Daily spending limit: $5,000/transaction, $10,000/day, $30,000/month - Official site: https://pexx.com/card - Editor note: PEXX's card history is the cautionary tale in miniature: every Visa card discontinued in January 2026, the old Mastercard deactivated during a partner switch, and a new Mastercard launched on 6 July 2026 — one week before this review — with the new partner unnamed. The marketing pages have not caught up (they still advertise Visa, physical cards and 'no spending limits' that the FAQ contradicts), and the site quotes three different fee rates depending on which page you read. The multi-chain top-up and the USD virtual account are genuinely useful; just treat this as a programme in transition and keep balances small until it stabilizes. - Last reviewed: 2026-07-20 ## Tonhub Card https://sweepbase.net/cards/tonhub-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Wallester AS — Estonia / EEA (Visa Principal Member) - Card type: Virtual only - Network: Visa Debit - Custody: Self-custody (non-custodial wallet; funds stay on-chain until payment approval) - Countries available: EU member states - KYC: Yes - Regions with KYC: European Union (EU residents 18+) - Issuance fee: Not disclosed - Annual fee: Not disclosed - FX fee: 1.5% on EUR payments; 3% on USD and other currencies (conversion benchmarked via OKX) - Cashback: None - Welcome bonus: None disclosed - Yield: Not on the card balance: staking TON into validator pools (~13.6-17.2% APY) is opt-in and explicitly walled off from card funds - "we never use your linked funds for lending or staking" (checked 2026-07-20) - IBAN / SWIFT / SEPA: SEPA and SWIFT from the non-custodial app; SEPA fee $3.50 + 1.5% - Blockchain top-up: Yes — direct on-chain deposits to the card address (TON, USDT; USDC via Solana), plus exchange and swap routes - Top-up methods: Free crypto top-up: TON and USDT from exchanges (Binance, OKX, Bitget, Gate), direct on-chain deposit to the card address, from the Tonhub wallet, or Changelly swap; USDC via Solana only - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Wallet not supported) - ATM withdrawal limit: Not disclosed (virtual card) - Daily spending limit: Contactless EUR 10,000; online EUR 25,000; EUR 50,000/month overall - Official site: https://gettonhub.com/ - Editor note: Tonhub is one of the few genuinely self-custodial cards in the database — funds sit on-chain in your own wallet until each payment is approved — and the only TON-native one. The fee cliff to know about: 1.5% on EUR payments becomes 3% the moment the merchant charges in dollars or anything else, so this is a card for eurozone spending, not travel. The card programme actually runs on Holders infrastructure (the same white-label behind several TON wallets) and the issuing bank is identified only as 'Partners' in the terms. Fee details live in the Holders help centre, not on the pretty landing page. - Last reviewed: 2026-07-20 ## Bringin Card https://sweepbase.net/cards/bringin-card - Issuer (BIN sponsor, named in the card's own terms): Wallester AS — Estonia / EEA (Visa Principal Member) - Card type: Virtual + Physical - Network: Visa Debit - Custody: Self-custody (Bringin never holds BTC; converts to EUR at spend from connected wallets) - Countries available: EEA only - KYC: Yes - Regions with KYC: EEA (all EU states + Iceland, Norway, Liechtenstein); US Persons excluded - Issuance fee: Free (first virtual and first physical on Pro); extra virtual EUR 1, extra physical EUR 5; delivery EUR 2.50-30 - Annual fee: Card free, but requires Pro subscription: EUR 3.49/month or EUR 37.69/year - FX fee: 0% FX on non-EUR transactions - Cashback: None - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: Personal virtual IBAN in your own name; SEPA deposits free, fiat withdrawal EUR 1 (rails via Lightspark Payments Europe / OpenPayd Malta) - Blockchain top-up: Yes — Bitcoin on-chain and via Lightning Network; conversion to EUR happens at spend - Top-up methods: Bitcoin on-chain and Lightning; SEPA fiat deposit free; BTC-to-EUR conversion 1% flat (T&C: variable 1% up to 3.5%) + up to 0.5% spread - Mobile pay: Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay; Apple Pay only via Curve workaround (direct support planned) - ATM withdrawal limit: EUR 2.50 per withdrawal; EUR 350/day, EUR 3,000/month cash - Daily spending limit: EUR 10,000/day, EUR 15,000/month card payments - Official site: https://bringin.app/bitcoin-debit-cards - Editor note: Bringin is what WaveCard-style Lightning products promise but with paperwork you can actually read: Wallester AS named as issuer, Lightspark (ex-Striga) as infrastructure, OpenPayd behind the IBAN, and a MiCA CASP authorization on top. The honest cost math: the card itself is free but useless without the EUR 3.49/month Pro subscription, and every BTC-to-EUR conversion costs 1% — with the T&C reserving up to 3.5% — plus up to 0.5% spread. So a EUR 500/month spender pays roughly 1.7-2% all-in. The 0% FX line and Lightning-native top-up are the standout features; the missing direct Apple Pay is the notable gap. - Last reviewed: 2026-07-14 ## MiniPay Card https://sweepbase.net/cards/minipay-card - Issuer (BIN sponsor, named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Card type: Virtual only - Network: Visa Debit - Custody: Self-custody (Opera’s self-custodial Celo wallet; balance stays in your wallet until you tap) - Countries available: Selected markets across EEA, Africa, LatAm and SEA (signup dropdown lists 70+ countries; some markets still gated behind early access) - KYC: Yes - Regions with KYC: Selected markets in Europe (EEA), Africa, Latin America, Southeast Asia; verification depends on country - Issuance fee: Free - Annual fee: Free - FX fee: Not disclosed as a number ("competitively low nominal FX fee"; Visa rates apply on non-USD) - Cashback: Up to 5% on eligible spend, paid monthly in Tether Gold (XAUt) — USDC in the EEA; capped at 150 USDT/month; credited 30-60 days later; long MCC exclusion list - Welcome bonus: None disclosed - Yield: Yes, on the spendable balance: Hold & Earn pays "daily rewards of up to 2% per week on your balance... No strings, no locks, no hoops", and the card spends that same wallet balance ("your balance stays in your wallet until the moment you tap"). Select markets only; card is early access (checked 2026-07-20) - IBAN / SWIFT / SEPA: None disclosed - Blockchain top-up: Yes — deposits from any external wallet or exchange into the Celo wallet, $0 deposit fees; cross-chain deposits supported - Top-up methods: From the MiniPay wallet balance or deposit from any external wallet/exchange ($0 deposit fees); dollar stablecoins on Celo: USDT, USDC, cUSD; fiat on-ramps via third parties - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: "Low nominal" ATM fee per Opera press; no number published - Daily spending limit: Shown in-app only - Official site: https://minipay.to/card - Editor note: MiniPay runs on the same Gnosis Pay + Monavate stack as Gnosis Pay's own card and its white-labels, but unlike Zeal or Picnic it is a genuinely distinct product: Celo-based stablecoins, Opera's 16-million-wallet distribution, and a cashback programme paid in Tether Gold of all things. The reward maths needs sober reading — 'up to 5%' is capped at $150 a month, arrives 30 to 60 days later, excludes utilities, financial services and most boring-but-big categories, and Blueboard reserves the right to change it at will. The bigger omission: neither the FX rate nor the ATM fee is published as an actual number anywhere. - Last reviewed: 2026-07-20 ## ZAR Card https://sweepbase.net/cards/zar-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only - Network: Visa Prepaid - Custody: Custodial (customer funds in FBO accounts at a US partner bank; terms language conflicts — see editor note) - Countries available: Emerging-market focus (Argentina, Pakistan, Kenya, Bangladesh named); ~25 sanctioned/restricted jurisdictions excluded (Afghanistan, Belarus, China, Cuba, North Korea and others) - KYC: Yes - Regions with KYC: Emerging markets: Argentina, Pakistan, Kenya, Bangladesh named; bank cash-out in 70+ countries - Issuance fee: Free - Annual fee: Not disclosed (fees vary by market, shown in-app) - FX fee: Not disclosed (varies by market, shown in-app) - Cashback: None - Welcome bonus: None disclosed - Yield: No. The dollar balance is USDC-backed and spendable, but the site asserts no interest or yield on it; the only "earn" language refers to network and referral growth. Bitcoin and digital gold are in-app purchases (checked 2026-07-20) - IBAN / SWIFT / SEPA: None disclosed (global USD account for receiving bank transfers) - Blockchain top-up: Not disclosed (balance is a Circle-issued USD stablecoin; on-chain deposit rails not documented publicly) - Top-up methods: Cash-to-dollars via local merchant/agent QR network; bank transfers in 70+ countries; free P2P between ZAR users; USD stablecoin balance issued via Circle - Mobile pay: Tap to Pay enabled (Apple/Google Pay not explicitly named) - ATM withdrawal limit: Not disclosed - Daily spending limit: Varies by country, shown in-app - Official site: https://zar.app/ - Editor note: Despite the ticker-like name, ZAR has nothing to do with the South African rand — it is a dollar wallet for Pakistan, Argentina, Kenya and Bangladesh, and its cash-to-crypto agent network is genuinely novel. The diligence picture is thinner: fees exist but live only in-app and 'vary by market', the issuing bank is identified solely as 'SSB, Member FDIC' without ever expanding the abbreviation, and the terms claim self-custody while the footer describes custodial FBO accounts — both cannot be true. Promising infrastructure, but list-price transparency is not there yet. - Last reviewed: 2026-07-20 ## Coin98 Fusion Card https://sweepbase.net/cards/coin98-fusion-card - Issuer (BIN sponsor, named in the card's own terms): DCS Card Centre Pte. Ltd. — Singapore (MAS, ex-Diners Club) - Card type: Virtual only (physical under development) - Network: Visa Prepaid - Custody: Custodial (card balance held with issuer DCS, separate from the non-custodial Coin98 wallet) - Countries available: APAC region (launched November 2025) - KYC: Yes - Regions with KYC: APAC region residents only - Issuance fee: $9 one-time (payable in USDT, USDC, C98 or VIC; periodically waived in promos) - Annual fee: Free - FX fee: 1.7% conversion commission on foreign-currency transactions; a further 1.7% cross-border (DCC) fee on SGD transactions processed overseas - Cashback: No standing rate — campaign-based rewards only (permanent cashback marked "coming soon") - Welcome bonus: None currently — the February 2026 "Fusion Fortune" $5 + fee-waiver campaign has ended - Yield: Not on the card balance: the card is funded by topping up from the wallet, while yield requires staking $C98 in PowerPool; no earn or yield claim appears in the card docs (checked 2026-07-20) - IBAN / SWIFT / SEPA: None - Blockchain top-up: Yes — USDT (Ethereum, Solana, Polygon, Tron) and USDC (Ethereum, Solana, Polygon, Base) from the Coin98 Super Wallet, 1% fee - Top-up methods: From Coin98 Super Wallet only: USDT on Ethereum, Solana, Polygon, Tron; USDC on Ethereum, Solana, Polygon, Base; 1% top-up fee - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Supported ATMs: 1% or SGD 5 minimum; SGD 10,000/day, SGD 100,000/month - Daily spending limit: SGD 200,000 rolling 12-month spending limit (higher on request) - Official site: https://coin98.com/fusion-card - Editor note: Coin98 pairs a self-custody wallet with a decidedly custodial card: the moment funds hit the Fusion Card they sit with DCS Card Centre in Singapore, and DCS — not Coin98 — handles every card action. That is actually the reassuring part, since DCS is a disclosed, established issuer. The costs to watch are the drips rather than the headline: 1% on every single top-up, 1.7% on foreign currency with a second 1.7% cross-border fee on SGD processed overseas, and rewards that exist only as time-limited campaigns despite the 'cashback coming soon' promise running since launch. Do not confuse this with Coin98's Zen Card, which is a hardware wallet, not a payment card. One date to diarise: the programme moves from the Visa SGD rail to the Visa USD rail after 12 August 2026, which changes your billing currency and therefore which purchases attract that 1.7%. - Last reviewed: 2026-07-25 ## YPT Card https://sweepbase.net/cards/ypt-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual (physical announced, not yet live) - Network: Visa Prepaid - Custody: Custodial (assets held by a licensed trust company with a $50M insurance claim; trust not named) - Countries available: Global (mainstream card acceptance) excluding sanctioned regions; Egypt, Tunisia, Palestine, Puerto Rico, Tanzania unsupported as mailing addresses - KYC: Yes - Regions with KYC: Global excluding sanctioned countries (unsupported-country list published only as an image) - Issuance fee: 10 USDT one-time - Annual fee: Free - FX fee: 1.2% on non-USD transactions, on top of the 1% transaction fee (2.2% total) - Cashback: None - Welcome bonus: None — the $5 registration gift campaign has ended - Yield: No - IBAN / SWIFT / SEPA: Not disclosed - Blockchain top-up: Yes — USDT/USDC/BTC/ETH direct deposits on Ethereum, Tron, BSC, Polygon and Bitcoin - Top-up methods: Direct blockchain top-up: USDT, USDC, BTC, ETH on Ethereum, Tron, BSC, Polygon and Bitcoin networks; minimum >1 USDT - Mobile pay: Yes (Apple Pay; Google Pay; Alipay HK and PayPal binding) - ATM withdrawal limit: Only via the physical card, which is not yet available - Daily spending limit: $100,000 per transaction, unlimited daily - Official site: https://ypt.com/en - Editor note: YPT rides RedotPay's card infrastructure — the partnership is stated in its own docs — which explains the near-identical fee shape: flat 1% per purchase, 1.2% FX on top, nuisance fees for tiny and declined transactions. Nothing here is scandalous, but nothing is generous either: no cashback, no yield, and the ATM story is on hold until the physical card ships. The site cannot even agree with itself on reach, claiming 5 million, 130 million and 175 million merchants on different pages. Treat it as a serviceable RedotPay-family spare card at a 10 USDT entry price. One thing to re-check: the site has said physical cards are coming for over a year, but app releases in June and July 2026 added physical-card categories, shipping addresses and delivery tracking, so the "not yet live" line may simply be stale marketing. - Last reviewed: 2026-07-25 ## El Dorado Card https://sweepbase.net/cards/el-dorado-card - Issuer (BIN sponsor, named in the card's own terms): Lead Bank — USA (Missouri state-chartered) — via Bridge (Stripe-owned program manager) - Card type: Virtual only - Network: Visa Prepaid - Custody: Custodial - Countries available: Bolivia, Brazil, Argentina, Colombia, Costa Rica, Ecuador, Guatemala, Honduras, Paraguay, Peru, Trinidad & Tobago; explicitly not for US residents - KYC: Yes - Regions with KYC: Latin America: Bolivia, Brazil, Argentina, Colombia, Costa Rica, Ecuador, Guatemala, Honduras, Paraguay, Peru, Trinidad & Tobago - Issuance fee: 3.99 USDT one-time - Annual fee: Free - FX fee: 0% on USD transactions; non-USD treatment not disclosed - Cashback: None - Welcome bonus: None disclosed - Yield: No - IBAN / SWIFT / SEPA: No IBAN/SEPA; USD account with ACH and wire rails - Blockchain top-up: Yes — direct USDT deposits on Arbitrum and Tron fund the wallet behind the card - Top-up methods: Instant from the El Dorado wallet; wallet funded via USD account (ACH/wire), direct USDT on Arbitrum or Tron, or 80+ local payment methods through El Dorado P2P - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: Not supported (virtual-only) - Daily spending limit: $2,000/day across all transactions (raisable via support) - Official site: https://eldorado.io/en/card - Editor note: El Dorado's card punches above its weight on disclosure: Lead Bank as issuer and Bridge Ventures as programme manager are printed right in the footer — the same supply chain that powers several better-known US stablecoin cards, documented more plainly than most of them manage. The product itself is modest: virtual-only, $2,000 a day, no rewards, eleven LatAm countries. One oddity to note before applying: parts of the marketing site still show waitlist copy while the help centre documents a fully live card with fees and KYC flow — the rollout appears staged by country. - Last reviewed: 2026-07-14 ## PayPal Debit Card https://sweepbase.net/cards/paypal-debit-card - Issuer (BIN sponsor, named in the card's own terms): The Bancorp Bank, N.A. — USA (OCC national bank) - Card type: Virtual + Physical - Network: Mastercard Debit - Custody: Custodial - Countries available: United States - KYC: Yes - Regions with KYC: United States only - Issuance fee: Free - Annual fee: Free (no minimum balance) - FX fee: 2.5% international transaction fee - Cashback: 5% back as points on up to $1,000/month in one chosen category (fuel, groceries, apparel, restaurants, transit) - Welcome bonus: None disclosed - Yield: Not on the card balance: the card spends the PayPal Balance account. PayPal Savings (3.30% APY via Synchrony) is a separate bank account, and the 4% PYUSD reward accrues in the Crypto Account, which must be sold into the balance before spending (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (US rails only: direct deposit and ACH to the Balance account) - Blockchain top-up: No — crypto and PYUSD must be sold to the fiat balance inside the app before card spending - Top-up methods: PayPal Balance: bank/ACH, direct deposit, cash reload (up to $3.95), proceeds from selling crypto or PYUSD in the app; no direct blockchain top-up - Mobile pay: Yes (Apple Pay; Google Pay; Samsung Pay) - ATM withdrawal limit: Free at MoneyPass ATMs; $2.50 elsewhere; $400/day limit - Daily spending limit: Not disclosed - Official site: https://www.paypal.com/us/digital-wallet/manage-money/paypal-debit-card - Editor note: Let's be precise about what this is: a fiat debit card in an app that also holds crypto. PayPal will happily custody your bitcoin and pay 4% on PYUSD, but the Debit Mastercard spends only the fiat balance — every crypto dollar takes a manual sell first, and direct crypto checkout exists only in PayPal's online flow, not on the card. We list it because the sell-to-spend loop plus PYUSD yield is a real, regulated on/off-ramp many Americans already have in their pocket, and the 5% category rewards beat most actual crypto cards. Crypto-native it is not. - Last reviewed: 2026-07-20 ## DiCard https://sweepbase.net/cards/dicard - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual only (Lite and Premier tiers) - Network: Mastercard Prepaid - Custody: Custodial (funded from the DigiFinex exchange spot account) - Countries available: Not disclosed - KYC: Yes - Regions with KYC: Not disclosed (no country list published) - Issuance fee: $5 per card (Lite and Premier) - Annual fee: Free, but fixed per-transaction fee: $0.25 (Lite) / $0.50 (Premier) - FX fee: 1.5% on non-USD; $0 conversion on USD transactions - Cashback: 1% rewards points on purchases, capped at 1,000 points (~$10)/month; e-wallet and prepaid MCCs excluded - Welcome bonus: None disclosed - Yield: Not on the card balance: top-ups are deducted from the DigiFinex spot account and the card balance earns nothing; DigiFinex Earn products (Flexible, Advanced Flexible, Dual Investment) require subscribing funds and redeeming them before use. Card rewards are points (100 points = 1 USDT) (checked 2026-07-20) - IBAN / SWIFT / SEPA: None - Blockchain top-up: No direct card loading — deposit USDT to the DigiFinex spot account first - Top-up methods: From DigiFinex spot account in USDT (1.3% fee; 0.3% first 5 deposits); 15-5,000 USDT per top-up - Mobile pay: Yes (Apple Pay or Google Pay — one at a time; Alipay binding) - ATM withdrawal limit: Not offered (virtual) - Daily spending limit: Lite $20,000/day, $100,000/month; Premier $50,000/day, $400,000/month - Official site: https://www.digifinex.com/en-ww/n/card - Editor note: DiCard's per-transaction pricing is the trap for small spenders: a fixed $0.25-0.50 on every purchase means a $5 coffee costs 5-10% in fees before the 1.3% top-up charge, while a $2,000 purchase barely notices it — this is a card for large, infrequent transactions, which its unusually high limits confirm. The rewards are decorative (capped at roughly $10 a month), and the governing terms are visibly unfinished boilerplate that never names the issuing bank. Note the naming: DigiFinex also runs a separate EUR 'DigiCard' with ATM support — different product, different specs. As of July 2026 that Euro Card is marked Not available on DigiFinex's own card page; only the USD Lite/Premier tiers accept applications. - Last reviewed: 2026-07-20 ## Cash App Card https://sweepbase.net/cards/cash-app-card - Issuer (BIN sponsor, named in the card's own terms): Sutton Bank — USA (Ohio) - Card type: Physical (customizable) + digital wallet use - Network: Visa Debit - Custody: Custodial (bitcoin held 1:1 full-reserve by Block, Inc.; withdrawal to own wallet supported) - Countries available: United States - KYC: Yes - Regions with KYC: United States only (Lightning unavailable in New York) - Issuance fee: Free (black/white styles; premium custom designs cost extra) - Annual fee: Free - FX fee: Not disclosed - Cashback: No flat rate — personalized weekly cash-back offers at select merchants, paid as USD credits - Welcome bonus: None disclosed - Yield: Not on the card balance: "Funds in your Savings Balance cannot be used for any transactions, including Cash App Card purchases... unless they have first been transferred to your Cash App Balance." Savings pays 1.5% APY base, up to ~3.25-3.5% with Cash App Green status. Round Ups buy bitcoin rather than paying yield (checked 2026-07-20) - IBAN / SWIFT / SEPA: None (US ACH via account and routing numbers) - Blockchain top-up: No — the card spends USD; bitcoin flows in and out of the app on-chain and via Lightning, but must be sold before spending - Top-up methods: USD balance: bank/debit top-up, paycheck direct deposit, cash deposits; BTC must be sold to USD before card spending; BTC deposits/withdrawals to own wallet supported on-chain and via Lightning - Mobile pay: Yes (Apple Pay; Google Pay) - ATM withdrawal limit: $2.50 fee (+ operator); free in-network with Green status ($500/mo card spend or $300/mo paycheck); $1,000 per transaction/day/week - Daily spending limit: $1,000/day (per help-centre snapshot) - Official site: https://cash.app/card - Editor note: Cash App is the biggest bitcoin on-ramp in America wearing a debit card, and the honest framing is exactly that order: the card spends dollars, full stop, and the bitcoin features — Round Ups, paycheck conversion at 0% fee, free Lightning withdrawals to your own wallet — live around it rather than in it. For a US bitcoiner who dollar-cost-averages anyway, those zero-fee buy routes quietly beat the 0.9-2% that ad-hoc purchases cost. Mind the small print on ATM access (paid unless you hit Green status) and the modest $1,000 card limits. One research note: cash.app aggressively blocks automated access, so our figures come from archived official pages. - Last reviewed: 2026-07-20 ## Hyperbeat Card https://sweepbase.net/cards/hyperbeat-card - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual only. The help centre card-order flow lists "Physical card (coming soon)" and nothing physical ships yet, while the ATM fee schedule on the same site already assumes one exists. Up to 20 virtual cards per account, though the consumer fee schedule on the same site says "5 virtual card limit" - Network: Visa Signature - Custody: Self-custody as a mechanism, with conditions. The terms state "We do not have possession, custody, or control over any user’s crypto-assets" and "The Collateral will be owned by you at all times and held in your custody within one or more escrow smart contracts"; the help centre adds that Hyperbeat "cannot move, lock, freeze, or change your wallet" and documents key export into MetaMask or Rabby. Conditions worth knowing: keys are managed by Turnkey (passkey sign-in, no seed phrase by default), a restricted Operator role exists on the backend, withdrawing collateral needs Operator approval, and settlement-token withdrawals carry a cooling period - Countries available: Global bar the published blocklist. Prohibited: Belarus, China (Mainland), Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam, plus 16 US states (Arizona, Delaware, Georgia, Idaho, Louisiana, Maryland, Nevada, New Mexico, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Vermont, Washington). Wisconsin appears on both the supported and the prohibited list — the issuer contradicts itself. Both lists are the issuing platform's rather than this programme's: the same 17 countries and the same 16 states appear verbatim and in the same order in Xplace's published terms, another Third National card on the same Rain rail. Vietnam, Turkey, India and Nicaragua are barred here yet served by the same issuer's virtual bank accounts, Vietnam with a dedicated local-currency deposit rail (checked 2026-08-08) - KYC: Yes — government photo ID (passport preferred), a selfie liveness check, and in some regions proof of address dated within 3 months; the help centre says approval usually lands within two minutes. Fiat deposits add a one-time verification with Noah - Regions with KYC: Published supported list: Antigua & Barbuda, Argentina, Australia, Bahamas, Bangladesh, Barbados, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d’Ivoire, Dominican Republic, Ecuador, Egypt, El Salvador, Europe, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Nigeria, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, South Africa, Suriname, Thailand, Trinidad and Tobago, Turks & Caicos, Uganda, United Arab Emirates, Uruguay, Zambia, plus 35 named US states including New York - Issuance fee: Free — "You can issue up to 20 virtual cards for free". Physical card price not disclosed - Annual fee: None disclosed — the published consumer rates-and-fees page lists no annual or monthly fee - FX fee: 0.4%-1% on top of the Visa scheme rate. The issuer states it twice — "Foreign exchange rate fees: 0.4%-1%" on the consumer fee page and "Purchases with a Hyperbeat Pay card have a 0.4%-1% FX rate" in its FX article — and support repeats it. The Cardholder Agreement's "Foreign Exchange Fee (non USD): up to 3%" plus "Cross Border Fee: up to 3%" is the Third National/Rain issuing template rather than this programme's price: the identical schedule, down to the $40 late-payment, $29 returned-payment and $35 liquidation penalties, appears verbatim in the Cypher and Solayer card terms on the same rails. Read those as ceilings, not quotes. Note the base: 0.4-1% sits on top of Visa's own rate, not interbank, so the true cost over interbank is Visa's spread plus this margin. No settled real-world figure has been reported by anyone (checked 2026-08-01). - Cashback: Tiered by deposits, not by spend: 0.25% up to $1,000 held, 0.40% from $1,000 to $10,000, 0.55% above $10,000. Three boosters stack — Spender +50% ($1,000 spent in 30 days), Trader +25% ($250K volume), Saver +25% ($1,000 in USD+) — capped at +100%, so the real ceiling is 1.1%. Paid in WHYPE tokens, not the currency you spent - Welcome bonus: Referral sign-up bonus of $5 to $200 by deposit size, released after a 3-month lock - Yield: Not on the card balance: the spendable USD balance earns nothing on its own. Yield requires moving USD into the separate USD+ vault, which lends into Hyperbeat’s own credit markets. Three different rates are published for it — the help centre says "Target yield: 3–8% APY", the docs say "typically 5–8%" (USDC market 4–6%, beatUSD market 5–10%), the homepage says "up to 8%" — and no realised or historical figure is published anywhere. USD+ can be pledged straight back as collateral at 75% LTV, so Credit Mode lets a holder spend against it without redeeming, but the card never debits the vault: it opens a variable-APR borrow instead, and interest accrues continuously with no grace period (checked 2026-07-31) - IBAN / SWIFT / SEPA: Yes — a virtual bank account in the holder’s own name for USD (ACH, banking services through Lead Bank) and EUR, and third parties can pay into the IBAN. SWIFT not documented - Blockchain top-up: Native Bitcoin, Ethereum mainnet and Solana mainnet deposits, credited as Unit assets on Hyperliquid; confirmations run 2+ blocks on Bitcoin, 14 on Ethereum, 32 on Solana. Accepted collateral: wHYPE and beHYPE at 45% LTV, UBTC at 50%, UETH and USOL at 45%, XAUT gold at 40%, USD+ at 75%. Withdrawals do not return to the native chain - Top-up methods: Native BTC, ETH and SOL from an external wallet or exchange, credited as Unit assets; USD via ACH and EUR via a virtual bank account opened in the holder’s own name through Noah; in-app swaps and trading - Mobile pay: Yes (Apple Pay; Google Wallet — added by copying card details and entering them manually, or via an in-app button) - ATM withdrawal limit: $1 + 0.65% per withdrawal, $0.60 balance inquiry, $0.60 declined attempt. Blocked outright in FATF-blacklisted countries (North Korea, Iran, Myanmar). Requires the physical card, which the same help centre still lists as coming soon - Daily spending limit: $100,000 default monthly limit, "not currently configurable by user"; the terms let Hyperbeat raise, cut, or zero it at any time without notice - Official site: https://hyperbeat.org/ - Editor note: I added Hyperbeat after taking Altitude out: a business-only card left the consumer grid, and this is the consumer card that was sitting in the backlog since 17 July. Two things make it worth a row rather than a mention. First, the self-custody claim is checkable: Hyperbeat writes that it "cannot move, lock, freeze, or change your wallet", the credit collateral sits in Morpho contracts instead of a company balance sheet, and the help centre tells you how to export the key into MetaMask or Rabby if the app disappears. Second, the card genuinely runs in two modes, and which one you are in at settlement decides whether a coffee costs you cash or a loan. Read three things twice. The FX number is published twice at different values: the help centre says 0.4% to 1%, while the Cardholder Agreement schedules up to 3% foreign exchange plus up to 3% cross-border. Nobody reconciles those, so the honest range is 0.4% to 6% until a live purchase settles. Cashback is a deposit ladder, not a spend rate — 0.25% until you hold $1,000, 0.55% above $10,000, doubled at most by boosters, so 1.1% is the ceiling and it pays in WHYPE rather than in the currency you spent. And the country list argues with itself: Wisconsin sits on both the supported and the prohibited list, Wyoming is misspelled "Wyomington", and the only Cardholder Agreement published on the site is the non-US one, which asks you to attest you are not a US citizen while the availability page names 35 US states including New York. The US version exists — the main terms reference it — but it is not public. The card is live rather than announced: the iOS app shipped 9 July 2026 under Zoeion Ltd Corporation and was updated on 27 July. The physical card is not: the help centre still says "coming soon" on one page while publishing an ATM fee schedule that only a physical card can use. Issuer is Third National under a Visa licence, stated in the terms; Rain is named as the card infrastructure in press coverage only, and neither company’s own pages say so. Nigeria is the odd one out — there the agreement says the card is marketed by BANEX Microfinance Bank, licensed by the Central Bank of Nigeria. I have not held this card, so everything above is documentation rather than measurement. - Last reviewed: 2026-08-08 ## PlasBit Card https://sweepbase.net/cards/plasbit-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical. Four tiers ship — Virtual EUR, Plastic EUR, Virtual USD and Plastic USD — and only the two plastic ones do ATM withdrawals - Network: Visa. All four published tiers are Visa and the operator confirmed Visa is the only network in use (2026-08-10); the trademark block at the foot of the card page still names Mastercard too, which is boilerplate rather than a second product - Custody: Custodial. Crypto sits in a PlasBit-hosted wallet and the card is loaded from that balance; PlasBit publishes a proof-of-reserves page, but no key export is documented anywhere on the site, so the keys stay with PlasBit - Countries available: Worldwide, bar the 71 territories named across PlasBit's two separate exclusion lists - KYC: Yes — identity verification before the account can transact. Full verification is ID, proof of address and a liveness check; conversions of EUR 10,000 or more trigger source-of-funds checks - Regions with KYC: Two exclusion lists that still do not match, re-counted 2026-08-10. The Terms list bars 64 countries from opening an account at all; the card page bars 53 from delivery; 46 names sit on both, so 71 territories are ruled out between them. The operator settled the sharper list in writing on 10 August 2026: residents of the United Kingdom cannot open an account. The Terms list excludes the United Kingdom, Turkey, Ukraine, Kazakhstan, the Philippines, Morocco, Panama and Vietnam, none of which ever reach the delivery question, while Brazil, China, Hong Kong, Ethiopia and the occupied Ukrainian regions appear only on the delivery list. Both lists exclude the United States. What is left still covers the EU and EEA, most of Latin America, much of Africa and Asia, Australia and the Gulf states of the Middle East - Issuance fee: Free — €0 / $0 on all four tiers, and plastic delivery is free as well - Annual fee: None — the monthly fee reads €0 / Free on all four tiers. Two help-centre articles still describe a recurring monthly maintenance fee deducted every 30 days and cards deactivated for non-payment; the operator says those describe a card programme retired three years ago and were left published by mistake (checked 2026-08-10) - FX fee: 1.5% foreign exchange conversion fee. It carries on all four tiers, but the page displays the row on the Virtual USD tier only — on the other three the same 1.5% sits in the page data with the row switched off - Cashback: None — the operator states plainly that there is no cashback and no yield, and the card pages publish no rewards programme of any kind - Welcome bonus: None - Yield: No — the operator states there is no yield on the card balance, and no savings, staking or earn product is published anywhere on the site - IBAN / SWIFT / SEPA: No. The operator confirmed in writing on 10 August 2026 that PlasBit does not provide IBANs to users: money arrives either by buying crypto with a bank transfer or by loading crypto from a wallet onto the card. PlasBit sells a separate bank-wire service that pushes fiat to an account you already hold, in 130+ countries - Blockchain top-up: The card loads from the PlasBit wallet, which takes deposits on Bitcoin, Ethereum, Tron, Solana, BNB Chain and others across 100+ assets; there is no direct on-chain top-up to the card itself - Top-up methods: Crypto only, moved from the PlasBit wallet onto the card; 100+ assets including BTC, ETH, USDT, USDC, TRX and SOL. Minimum load €10 / $10, credited instantly - Mobile pay: Yes (Apple Pay; Google Pay) — the tier table marks "Supports Apple & Google Pay: Yes" on all four tiers. The FAQ further down the same page still says the opposite, that debit cards "are not yet compatible with Apple or Google Pay" and can only be linked to PayPal; the operator says the table is current and the FAQ text is stale (checked 2026-08-10) - ATM withdrawal limit: Plastic tiers only: free up to 200 EUR a month, 2% thereafter. €500 a day, €5,000 a month, 5 withdrawals a day. Virtual cards cannot be used at ATMs - Daily spending limit: €30,000 per transaction and per day, 15 purchases a day, €30,000 a month and €200,000 a year - Official site: https://plasbit.com/cards - Editor note: PlasBit asked to be listed in May and answered a fee questionnaire on 8 August 2026. This row is built from their site rather than their answers, and on price the two no longer disagree: as of 10 August the tier table on plasbit.com/cards reads €0 issuance, 0% loading and €0 monthly across all four tiers, and that same table now feeds the affiliate page, which used to quote 0.5% loading and a €1 to €2 monthly fee for the identical product. What has not been cleaned up is the prose around it. The FAQ on the card page still reads "A loading fee applies each time you transfer funds from your PlasBit Wallet to your PlasBit Card" directly beneath a table showing 0%, still says debit cards "are not yet compatible with Apple or Google Pay" while the table marks both Yes on every tier, and two help articles still explain the monthly maintenance fee and how an unpaid one deactivates the card. The operator says the leftovers describe a programme retired three years ago. Read the tier table and the fee panel on the order screen, not the surrounding text, before loading anything. Two things the marketing does not lead with: the 1.5% conversion fee is shown on the Virtual USD tier and switched off on the other three, and the wallet is custodial with no key export documented. Country coverage is published twice and the two versions differ: the terms bar 66 countries from opening an account, the card FAQ bars 53 from card delivery, and only 47 names appear on both. Read the terms list first, because it is the one that decides whether you can sign up at all, and it is the list that carries the United Kingdom. PlasBit answered three follow-up questions on 10 August 2026. UK residents cannot open an account, which resolves the conflict between the two country lists in favour of the Terms-level one; the company is content to stay in the undisclosed bucket rather than name the licensed issuer behind Wirex BaaS; and it provides no IBANs, with funding limited to buying crypto by bank transfer or loading crypto from a wallet. It also said the list mismatch was already fixed. It was not, on the evidence available the same day: the Terms page still carries 64 countries and was last modified 2025-02-18, and the deployed bundle is still main.4e5accdb.js, the same build that carries the 53-country delivery list and the three contradicting FAQ answers. Our own count of the Terms list was 66 on 8 August and is 64 here, because the earlier pass counted two page headings as countries. - Last reviewed: 2026-08-10 # Announced, never issued Announced publicly, no cardholder we could find. Not obtainable today. ## Aisi Bank Card (announced, never issued) https://sweepbase.net/cards/aisi-bank-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Virtual + Physical (in development) - Network: Not yet disclosed - Countries available: Pre-launch — countries not yet disclosed - KYC: Yes - Regions with KYC: Not yet disclosed - Issuance fee: Not yet disclosed - Annual fee: Not yet disclosed - FX fee: Not yet disclosed - Cashback: Not yet disclosed - Welcome bonus: Not disclosed - Yield: Under development - IBAN / SWIFT / SEPA: Not disclosed (Web3 banking platform, card not yet launched per roadmap) - Blockchain top-up: Not disclosed (platform accepts USDT, SOL, ETH for investments) - Top-up methods: Not yet disclosed - Mobile pay: Expected - ATM withdrawal limit: Not yet disclosed - Daily spending limit: Not yet disclosed - Official site: https://aisibank.com/ - Editor note: The homepage sells virtual and physical cards. The early-access page, a few clicks later, says AISI is not a bank and that banking would come from licensed partners it never names. The waitlist, in its own words, is informational and does not guarantee availability. There is no application, no KYC step, nothing to sign but an email box. No card network, no issuer, no fee schedule, no country list. The site advertises iOS and Android apps and neither store has one. The footer still reads 2025. Nobody holds this card, because it has never been issued. - Last reviewed: 2026-06-22 ## YouHodler Card (announced, never issued) https://sweepbase.net/cards/youhodler-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Wallester AS — Estonia / EEA (Visa Principal Member) - Card type: Virtual (Physical planned) - Network: Visa Debit - Custody: Custodial - Countries available: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden - KYC: Yes - Regions with KYC: Europe (EEA) - Issuance fee: Not yet disclosed - Annual fee: Free (for active Gold members) - FX fee: Not disclosed - Cashback: Up to 5% (tier-based; base tier 2%; max tier requires active trading; most users ~2%) - Welcome bonus: $YHDL token promo pool (first deposit >=EUR100); card is pre-order/limited - Yield: Not on the card balance: yield requires enrolling coins into a separate Yield Account ("Start earning"), with rewards claimed to wallets every 7 days; up to ~15% p.a. by asset. The card spends a balance topped up from the wallet and pays 2% cashback (checked 2026-07-20) - IBAN / SWIFT / SEPA: Yes IBAN + SEPA + SWIFT (free personal IBAN in-app) - Blockchain top-up: BTC, ETH, USDT and 50+ cryptos on native chains (ERC-20, TRC-20, etc.) via YouHodler wallet - Top-up methods: YouHodler wallet (instant) - Mobile pay: Not disclosed - ATM withdrawal limit: Not disclosed (pre-order phase) - Daily spending limit: Not disclosed - Official site: https://www.youhodler.com/crypto-card - Editor note: Read the card page first. It still says 'almost here' with a 'Pre-order now' button, so there is no open application flow yet. The live page lists 2% cashback on every purchase, not more, and the no annual fee only holds while you keep active Gold-level status. YouHodler also states plainly that it is not FCA-regulated, so UK consumer protections do not apply. - Last reviewed: 2026-07-20 ## BonkX Card (announced, never issued) https://sweepbase.net/cards/bonkx-card - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Card type: Virtual + Physical (beta/limited access) - Network: Visa Infinite - Countries available: Global (details TBA) - KYC: Yes - Regions with KYC: Global - Issuance fee: Not yet disclosed - Annual fee: Not yet disclosed - FX fee: Not yet disclosed - Cashback: BXP loyalty points on dining, travel, fashion, tech (not stablecoin cashback); tenure-based rate increases, details TBA - Welcome bonus: Not disclosed (no verifiable official BonkX card product found in 2025-2026 sources) - Yield: Not yet disclosed - IBAN / SWIFT / SEPA: Not disclosed - Blockchain top-up: Not disclosed - Top-up methods: Solana-based assets (BONK, SOL, USDC) - Mobile pay: Yes (Apple Pay) - ATM withdrawal limit: Not yet disclosed - Daily spending limit: Not yet disclosed - Official site: https://bonkx.io - Editor note: BonkX is a Solana-based neobank announced for the BONK community; as of May 2026 the card is in beta waitlist only ("Join Beta Waitlist — Limited access" per bonkx.io). No card has been issued yet and IBAN/cashback details have not been published. Treat all data here as pre-launch and unverified for live use. - Last reviewed: 2026-06-22 ## Morph Card (announced, never issued) https://sweepbase.net/cards/morph-card - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): DCS Card Centre Pte. Ltd. — Singapore (MAS, ex-Diners Club) - Card type: Physical only - Network: Mastercard Debit - Custody: Self-custody - Countries available: China, Singapore, Global (NFT-gated access) - KYC: Yes - Regions with KYC: Global - Issuance fee: 0.87 ETH (Black NFT) or 0.3 ETH (Platinum SBT) - Annual fee: Exempted (vs ~$300 typical for comparable cards) - FX fee: 0.3% handling fee - Cashback: Not disclosed - Welcome bonus: Not disclosed (Morph Pay/Black/Platinum live; no public welcome bonus) - Yield: Unclear: the issuer advertises on-chain deposit returns up to 30% annualized without saying which balance earns (pre-launch) - IBAN / SWIFT / SEPA: Not disclosed - Blockchain top-up: Native Morph L2 (USDC via CCTP, USDT0, BGB); fiat on-ramps via Alchemy Pay - Top-up methods: On-chain crypto deposits - Mobile pay: Yes (Apple Pay; Google Pay; Alipay; WeChat Pay) - ATM withdrawal limit: Not disclosed - Daily spending limit: $1,000,000/day (deposit/withdrawal) - Official site: https://morph.network - Editor note: Morph's Decentralized Payment Card is on the official roadmap for 2026 Q1/Q2 (Phase 2 in blog.morph.network/a-new-vision-for-morph). The Morph Black NFT minted in March 2025 is the access gate, not the card itself, and as of May 2026 no live consumer card has been issued. Morph's $150M Payment Accelerator (Jan 2026) is seeding card-issuance partners. Treat as pre-launch. - Last reviewed: 2026-07-15 ## Moto Card (announced, never issued) https://sweepbase.net/cards/moto-card - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Card type: Physical - Network: Visa Infinite - Custody: Custodial - Countries available: Not yet disclosed (invite-only, targeting 180+ countries for spend) - KYC: Yes - Regions with KYC: Invite-only (HNW community; US-based issuer) - Issuance fee: Not yet disclosed (invite-only) - Annual fee: Not yet disclosed (invite-only) - FX fee: 0% (No FX fees) - Cashback: Up to 5% across all tiers - Welcome bonus: None advertised (waitlist only) - Yield: Yes, vault-linked: yield on deposits — Tier 1 ($0-$100K) 2% APY; Tier 2 ($100K-$499K) 3% APY; Tier 3 ($500K+) 5% APY. Charge card — balance debited monthly from crypto collateral (no traditional APR). - IBAN / SWIFT / SEPA: Not disclosed — Moto's own site (invite/waitlist only, no cards issued yet) makes no mention of IBAN, SEPA, SWIFT, or any bank-account feature; the earlier 'per cyber.fund' claim has no primary-source confirmation - Blockchain top-up: Stablecoin deposits (yield via Reflect, USD* strategies); specific blockchains not disclosed publicly (founders have Solana ecosystem background via Squads) - Top-up methods: Stablecoin deposits (yield engines: Reflect, USD*); IBAN transfers - Mobile pay: Not yet disclosed - ATM withdrawal limit: Not yet disclosed - Daily spending limit: Not yet disclosed - Official site: https://www.moto-card.com/ - Editor note: Moto is a US-based pre-launch Visa Infinite credit card targeted at "entrepreneurs, tastemakers and crypto-native players". The product is waitlist-only as of May 2026 — the moto-card.com homepage prompts visitors to "JOIN WAITLIST" with no live application flow. Cashback rate ("up to 5%") and Visa Infinite tier are advertised; eligibility countries have not been disclosed. Apply only once general availability is announced. - Last reviewed: 2026-06-22 # Discontinued cards A card is discontinued here once it can no longer be obtained, even where existing holders can still spend. ## AmpBlack Card (discontinued) https://sweepbase.net/cards/ampblack-card - Closed to new applicants: 2026-05-05 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Reason: Amp Pay wound down after the Drift Protocol exploit of 1 April 2026 left it unable to raise further funding: "We will be sunsetting the Amp Pay app... we are at the end of our runway", with ordered cards refunded to user wallets. The site still sold the card on 2026-04-18 and carried the wind-down notice by 2026-05-15; the shutdown was public by 2026-05-05. No application-closure date was ever published; bounded 2026-04-18 to 2026-05-05. - Primary source: https://web.archive.org/web/20260515074518/https://www.getamppay.com/ - Editor note: A $285M exploit at Drift Protocol on 1 April 2026 took Amp Pay down with it. The team put it plainly: sunsetting the app, unable to raise after the hack, at the end of its runway. Anyone who had ordered a card got the money back to their Amp wallet inside two weeks. The site was still selling on 18 April and was carrying the shutdown notice by mid-May. The card did exist, which matters because our previous note here doubted it. The cardholder terms carry an effective date of 18 June 2025, and an App Store review that August was written by someone spending on one. A 1% cashback Visa on Solana rails, gone in ten months. ## Bit.Store Card (discontinued) https://sweepbase.net/cards/bitstore-card - Closed to new applicants: 2026-03-03 - Issuer: not disclosed. No issuing bank or EMI is named in this card's public terms, and we could not establish one from a primary source. - Reason: Issuer Paytend Europe UAB lost its EMI licence (revoked by the Bank of Lithuania, effective 2026-03-03): the physical card programme was formally discontinued, and the virtual card is marked 'Maintenance' in Bit.Store's own fee index with its order page redirecting to a third-party product - no working path to obtain either card. - Primary source: https://medium.com/@bitstoreteam/important-notice-discontinuation-of-bit-store-physical-card-services-137c89773fda - Editor note: Physical card discontinued. Issuer Paytend Europe UAB had its EMI licence revoked by the Bank of Lithuania (public notice 6 Mar 2026; unauthorised to provide financial services from 3 Mar 2026), and Bit.Store confirmed on 9 Mar 2026 it can no longer operate the physical card programme; users were told to claim funds directly from Paytend. The virtual card now looks moribund too (checked Aug 2026): the official fee index marks it 'Maintenance', the virtual-card page redirects to third-party cards.emoney.io, and Bit.Store's docs have been repurposed for other products. No closure statement covers the virtual card, so the row is not flagged Discontinued — but treat it as likely unobtainable. Same Paytend licence collapse that killed BingX Card (At=2026-03-03). ## BitPay Card (discontinued) https://sweepbase.net/cards/bitpay-card - Closed to new applicants: 2023-05-03 - Reason: BitPay stopped accepting new cardholder applications on the day it announced the programme transition, 2023-05-03: "BitPay will stop accepting new cardholder applications immediately." Its own notice names the bank and calls the decision mutual: "Our bank partner, Metropolitan Commercial Bank, and BitPay have decided to discontinue the current BitPay Prepaid Mastercard program." Two later dates are often quoted instead and mean other things: loads ended 1 June 2023, spending and ATM access ended 15 June 2023. Cardholders were auto-enrolled on a waitlist for a promised replacement that never shipped; bitpay.com/card redirects to the homepage, which lists no card product (verified 2026-08-05). - Primary source: https://web.archive.org/web/20230529131058/https://bitpay.com/blog/bitpay-card-transition/ - Editor note: BitPay stopped accepting new cardholder applications on 3 May 2023, the day of its own transition notice; loads ended 1 June and spending and ATM access ended 15 June 2023, so no BitPay card has worked since. Metropolitan Commercial Bank ANNOUNCED its exit from the crypto-asset vertical on 9 January 2023, four months before BitPay's notice; the bank never published when that exit completed, so the old note's June 2023 is not provably wrong about the bank - it was wrong about the applications date, which is the date this row turns on. BitPay promised a replacement card through a new bank partner and auto-enrolled cardholders on a waitlist; it never launched. Re-checked 2026-08-05: in spring 2026 BitPay removed the card from its website - bitpay.com/card redirects to the homepage, the transition notice 404s, no card URL survives in its sitemap and no live help-centre article concerns the card. BitPay used both words, at different times and about different things, so quote carefully: the 2023 notice says BitPay and Metropolitan Commercial Bank decided to discontinue the current BitPay Prepaid Mastercard program, while the card page carried temporarily paused right up to its removal in 2026. One artefact still points at an intended relaunch and should not be oversold: the pause copy and a waitlist submitting to a list named CFSB Card Waitlist - Community Federal Savings Bank, the intended replacement for Metropolitan Commercial Bank - are still in BitPay's shipped app source, added in May 2023 and last touched in July 2024. Nothing shipped off it in three years, the screen is not reachable from the app's tab bar, and neither store listing mentions a card. Checked to exhaustion 2026-08-05: no relaunch post exists on BitPay's blog, whose newest entry of any kind is from November 2024; the entire card section of the help centre now 404s; and the only card URL in the sitemap is the redirecting one. What is certain either way, and all this row asserts, is that no new customer has been able to obtain the card since 3 May 2023. ## Cypher Card (discontinued) https://sweepbase.net/cards/cypher-card - Closed to new applicants: 2026-07-08 - Issuer (BIN sponsor, named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Reason: Acquired by Nium; app, card, and $CYPR token ecosystem winding down. Card loading and new issuance ended Jul 8 2026, cards stop working for purchases Aug 7 2026, platform closes and withdrawals end Sep 6 2026. No compensation or buyback for CYPR token holders. - Primary source: https://cypherhq.io/blog/cypher-is-being-acquired-by-nium/ - Editor note: Cypher is the first self-custody card I can recommend to US users who live in one of the 33 supported states. Seventeen states are still restricted, so check the list before you start the application. The 35% headline rewards rate is epoch-based with boosted merchants, so treat it as a campaign rate, not a baseline. Base earnings come in CYPR tokens. The Standard tier carries a $50 physical card fee and 1.75% FX; Premium drops FX to 0.75% but costs $199 a year. Y Combinator backing and 500+ token support across 25+ chains are the actual durable features here. Good card for multi-chain holders who want to spend without selling. ## Fiat24 Card (discontinued) https://sweepbase.net/cards/fiat24-card - Closed to new applicants: 2026-07-14 - Issuer (BIN sponsor, named in the card's own terms): SR Saphirstein AG (Fiat24 / UR) — Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021) - Reason: Closed to new clients: "We are in maintenance mode, we are currently not accepting any new applications" (fiat24.com and app.fiat24.com), repeated in the user manual as "due to maintenance works, we are currently not accepting any new Client Applications". Existing cardholders are unaffected and the card docs describe normal operation. Fiat24 gave its own date in a signed statement of 29 July 2026: "Since 14 July, we have temporarily paused Crypto Top-Up" and it would "temporarily suspend new client onboarding", while "our core services remain fully operational". The earlier At date of 2026-07-20 traced to a trade report of the freeze, which evidences that it had happened and never when. - Primary source: https://web.archive.org/web/20260723152329/https://docs.fiat24.com/user - Editor note: A €1,000 monthly EUR balance funded from crypto on Fiat24 carries roughly €17.50 in invisible fees before the card is even used: a 0.75% conversion spread plus a 1% load fee on the crypto-to-EUR leg. There is no cashback, which is intellectually consistent with the product. Fiat24 is technically a Swiss fintech-licensed account (SR Saphirstein AG, Art. 1b Banking Act, not a bank) with on-chain account ownership rather than a crypto-funded debit card. For a reader who wants a Swiss IBAN with on-chain self-custody, it is the clean product. For cashback, look elsewhere. ## imToken Card (discontinued) https://sweepbase.net/cards/imtoken-card - Closed to new applicants: 2026-07-14 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): SR Saphirstein AG (Fiat24 / UR) — Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021) - Reason: Fiat24 (SR Saphirstein AG), the FINMA-supervised Swiss fintech-licence holder issuing this white-label card, closed all new client applications on 2026-07-14 citing maintenance works; the imToken flow documentedly ends at Fiat24's dapp, which shows the maintenance gate. Existing cardholders unaffected; flag reverts if onboarding reopens. Direct in-app rejection not observed — inference from the closed shared KYC channel. - Primary source: https://web.archive.org/web/20260723152329/https://docs.fiat24.com/user - Editor note: The card is a Fiat24-issued Swiss Mastercard; imToken supplies the wallet and the 40+ chain top-up flow. That split matters because most reviews paper over it. USDC spend works from Arbitrum, Ethereum and Polygon. The $30 ETH welcome bonus ended 31 March 2025, with no replacement promo. KYC is the standard Fiat24 FINMA flow; US residents and sanctioned countries are blocked. Update, July 2026: Fiat24 stopped accepting new client applications on July 20, and since imToken's card KYC runs entirely through Fiat24, new applications are closed until the bank reopens onboarding. Existing cardholders are not affected. ## Moonwell Card (discontinued) https://sweepbase.net/cards/moonwell-card - Closed to new applicants: 2026-07-08 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Reason: Cypher white-label; goes down with the Cypher platform after the Nium acquisition. New card applications and issuance ended Jul 8 2026, cards stop working for purchases Aug 7 2026, services close Sep 6 2026 with balances returned as USDC on Base. The wind-down config is global to the Cypher platform and is rendered by the card.moonwell.fi dashboard itself. Moonwell announced the wind-down on X on 9 July 2026 naming Aug 7 2026 as the last usable day; its documentation and help centre were never updated to match. - Primary source: https://cypherhq.io/blog/cypher-is-being-acquired-by-nium/ - Editor note: A Cypher white-label, and it goes down with Cypher. New applications were disabled on Jul 8 2026 under the platform-wide wind-down. The dashboard at card.moonwell.fi is a Moonwell subdomain running Cypher's own app, and it carries the notice: card services shut down Sep 6 2026, Aug 7 2026 is the last day to spend, balances come back as USDC on Base. Moonwell announced the wind-down itself on 9 July 2026, a day after Cypher closed applications, naming 7 August as the last usable day. Its documentation and help centre were never updated to match: three weeks later both still walked readers through Get your card and still promised 180+ countries. The flag follows Cypher schedule because that is where the application close happened. Checked 2026-07-15. ## Nebeus Card (discontinued) https://sweepbase.net/cards/nebeus-card - Closed to new applicants: 2025-12-16 - Reason: Card ordering was switched off in Nebeus's own web app. The production bundle shipped 2026-07-13 hardcodes the crypto-card availability selector to return false, so the order screen's product list is always empty. Archived builds bracket the change: a real country check on 2025-09-05, hardwired off by 2025-12-16. That predates the KNF revocation of issuer Quicko (2026-01-21), so this was not the Quicko cascade. Nebeus named no successor issuer: its regulated-partner disclosure of 2026-04-01 lists five partners and no card issuer, and the card is gone from its site navigation, help centre, legal terms and app-store listing. The linked source is that partner disclosure — indirect evidence: it does not announce the closure itself, it shows that no card issuer remains among Nebeus's regulated partners. - Primary source: https://support.nebeus.com/portal/en/kb/articles/external-providers-of-regulated-financial-services - Editor note: Nebeus still advertises this card on a page naming Quicko as the issuer, six months after Poland's KNF revoked Quicko's licence. That page is a leftover. In the web app shipped on 13 July 2026 the selector deciding whether you can order a card is a literal that returns false, so the order screen offers nothing. Archived builds date the switch: a real country check on 5 September 2025, hardwired off by 16 December. That is before the Quicko revocation, so this was Nebeus's own decision and not the cascade that took CEX.IO. Its regulated-partner disclosure of 1 April 2026 lists five partners and no card issuer at all. The $69 issuance and $6.96 monthly we used to publish come from an Exo tier that predates the current company by years. ## Offramp Card (discontinued) https://sweepbase.net/cards/offramp-card - Closed to new applicants: 2026-07-01 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Reason: Wound down. New card orders disabled Jul 1, 2026; cards stop working Jul 31, 2026; whole service shutting down. - Primary source: https://offrampxyz.zendesk.com/ - Editor note: Gone, for anyone reading this. Offramp announced its wind-down on Jul 8, 2026 ("We're shutting down Offramp — here's your complete shutdown timeline", offrampxyz.zendesk.com). New card orders were disabled Jul 1, 2026, and the cards stop working entirely on Jul 31, 2026. Flagged discontinued from Jul 1 — the date it stopped being obtainable — because that is the question this site answers: can you get this card. Existing holders can still spend until Jul 31, so if you have one, move your balance before then. ## Osmosis Pay Card (discontinued) https://sweepbase.net/cards/osmosis-pay-card - Closed to new applicants: 2026-07-08 - Reason: Cypher white-label; goes down with the Cypher platform after the Nium acquisition. New card applications and issuance ended Jul 8 2026, cards stop working for purchases Aug 7 2026, services close Sep 6 2026 with balances returned as USDC on Osmosis chain. The wind-down config is global to the Cypher platform and is rendered by the pay.osmosis.zone dashboard itself. Osmosis announced the wind-down on X on 9 July 2026 in a thread for cardholders; the flag follows the Cypher schedule for the application close. - Primary source: https://cypherhq.io/blog/cypher-is-being-acquired-by-nium/ - Editor note: A Cypher white-label, and it goes down with Cypher. Osmosis announced it in Oct 2024 as powered by Cypher on the Visa network. New applications were disabled on Jul 8 2026 under the platform-wide wind-down. The dashboard at pay.osmosis.zone is an Osmosis subdomain running Cypher's own app, and it carries the notice: card services shut down Sep 6 2026, Aug 7 2026 is the last day to spend, balances come back as USDC on Osmosis chain. Osmosis announced the wind-down itself on 9 July 2026, opening a thread for cardholders holding funds, so this flag follows Cypher schedule for the application close rather than for lack of an announcement. Checked 2026-07-15. ## Pyra Card (discontinued) https://sweepbase.net/cards/pyra-card - Closed to new applicants: 2026-06-15 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Third National (Nimbus LLC) — USA — Puerto Rico money transmitter (NMLS #2612780); a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy - Reason: Pyra announced its wind-down June 15, 2026 (press coverage June 16) following the Drift protocol exploit; all payment cards cancelled, withdrawals open until Sept 15, 2026 - Primary source: https://crypto.news/pyra-to-shut-down-after-drift-exploit-derails-recovery-efforts/ - Editor note: Pyra is a rare thing: a Visa card that is genuinely self-custody. It runs on Solana and, instead of holding your coins, opens an over-collateralized loan against your portfolio through Kamino. You fund the account with a paycheck or crypto, Pyra invests it into a diversified portfolio that earns a variable yield, and you spend USDC credit borrowed against that balance, so a purchase does not force you to sell and usually is not a taxable event. Worth knowing before you sign up: it is US-only and still in beta on iOS and Android, the card is virtual today with no confirmed physical card or ATM access, there is no cashback, and borrowing accrues interest, with automatic market-rate sales stepping in to prevent a liquidation. The card is issued through Rain (Rain Liquidity), with Third National Bank as the bank of record. Checked against Pyra own documentation in June 2026. ## Ready Card (discontinued) https://sweepbase.net/cards/ready-card - Closed to new applicants: 2026-07-16 - Issuer (BIN sponsor, named in the card's own terms): Kulipa — France - Reason: Closed to new orders and being deactivated for existing holders. Ready help centre: "your current physical and virtual Ready Card will stop working soon... We're accelerating this change because our current card provider can no longer deliver the level of reliability Ready Cards require", and separately "At the moment, Ready Cards are not available to order." Ready has never published a precise stop date, so Discontinued At is the date of the deactivation notice rather than a stated cut-off. Ready was a client of Kulipa SAS, which wound down 2026-07-29. As of 2026-08-04 ready.co/card still markets the card while ready.co and argent.xyz both render a "We're cooking. Check back soon." placeholder. - Primary source: https://help.ready.co/hc/en-us/articles/36906149111197-Why-is-my-card-being-deactivated - Editor note: Live in the EEA and UK only. Ready is the rebranded Argent Card, a self-custody Mastercard that spends USDC straight from your own wallet until you tap. Watch the Lite tier abroad: its 0.5% cashback is smaller than its 1% FX fee, so foreign purchases run you about 0.5% net rather than earning anything back. And rewards pay out in STRK, the token behind what the official page now calls "Ready Points," volatile and funded quarterly by the Starknet Foundation, so no percentage here is a fixed cash figure. ## SafePal Card (discontinued) https://sweepbase.net/cards/safepal-card - Closed to new applicants: 2026-07-14 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): SR Saphirstein AG (Fiat24 / UR) — Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021) - Reason: Fiat24 (SR Saphirstein AG), the FINMA-supervised Swiss fintech-licence holder issuing this white-label card, closed all new client applications on 2026-07-14 citing maintenance works; every partner onboarding flow ends at Fiat24's shared KYC channel (app.fiat24.com shows the maintenance gate) and on-chain KYC approvals stopped mid-July. Existing cardholders unaffected; flag reverts if onboarding reopens. Direct in-app rejection not observed — inference from the closed shared KYC channel. - Primary source: https://web.archive.org/web/20260723152329/https://docs.fiat24.com/user - Editor note: SafePal picked up a Swiss FINMA license through Fiat24 in late 2024, which is the most useful thing about this card. You get a Swiss IBAN, multi-currency accounts, and 40+ blockchain top-up coverage without leaving the SafePal app. What you don't get is public fee documentation. Tier pricing is gated behind account verification, SFP staking unlocks higher limits, and actual conversion rates are not in the FAQ. The Telegram Mini App integration is a real usability win for anyone who already runs their wallet that way. US residents are excluded. If you spend a lot of time in the Swiss banking rails and you're in Europe or Asia-Pacific, this is worth a trial account. Pull your own numbers before committing. Update, July 2026: Fiat24 — the Swiss bank behind this card — stopped accepting new client applications on July 20, which closes SafePal card onboarding too (the KYC step runs through Fiat24 for every partner). Existing cardholders are not affected. ## Solflare Card (discontinued) https://sweepbase.net/cards/solflare-card - Closed to new applicants: 2026-07-28 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Monavate Limited + UAB Monavate — UK (FCA 901097) + Lithuania (Bank of Lithuania) - Reason: Card issuing partner Kulipa SAS wound down and Solflare Card stopped working on 2026-07-28. The date comes from the post itself, whose ID decodes to 28 July 2026; the 29 July date used earlier was a press write-up of the collapse. Solflare co-founder Vidor: "Our card issuing partner Kulipa is winding down due to solvency issues and can no longer support Solflare Card, so cards stopped working abruptly today." Funds were unaffected because the card debited the user's self-custody wallet at the moment of purchase, with no balance held at Kulipa. As of 2026-08-04 Solflare has published no notice on its own site or help centre (a help-centre search for "kulipa" returns no articles) and both still market the card and explain how to apply; a replacement is promised but has not shipped. - Primary source: https://x.com/vidor_solflare/status/2082116481576587576 - Editor note: Solflare became the first card on Solana to sign SPL transactions on the user's device at the moment of payment, which is the literal definition of self-custody on the chain. At launch the card is restricted to UK and EEA users, USDC top-up only, plus a 1% Solflare fee and a 0.40-0.70% FX charge on EEA spend that is competitive without being free. There is no cashback, which is the line between this product and the Bridge-stablecoin cards aimed at the same wallet. If you want the self-custody guarantee on Solana, Solflare is the product to start with. ## THORWallet Card (discontinued) https://sweepbase.net/cards/thorwallet-card - Closed to new applicants: 2026-07-14 - Issuer (BIN sponsor, named in the card's own terms): SR Saphirstein AG (Fiat24 / UR) — Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021) - Reason: Fiat24 (SR Saphirstein AG), the FINMA-supervised Swiss fintech-licence holder behind the THORWallet card, closed all new client applications on 2026-07-14 citing maintenance works; the shared Fiat24 KYC channel (app.fiat24.com) shows the maintenance gate while THORWallet's card page still advertises five-minute onboarding. Existing cardholders unaffected; flag reverts if onboarding reopens. Direct in-app rejection not observed — inference from the closed shared KYC channel. - Primary source: https://web.archive.org/web/20260723152329/https://docs.fiat24.com/user - Editor note: Start an application and you get several screens into THORWallet before Fiat24 tells you it is in maintenance mode and not accepting new clients. That is the whole story. THORWallet's own card page still promises a virtual card in about five minutes, and its blog has published nothing since 11 March. The product behind that wall: a virtual Mastercard on Swiss IBAN rails, funded only from USDC, USDT or ETH on Arbitrum, $5 one-off for Basic and $99 to $124 for Premium. One correction worth carrying elsewhere: Fiat24 is SR Saphirstein AG, which holds a Swiss fintech licence under Article 1b, not a banking licence. ## TokenPocket Card (discontinued) https://sweepbase.net/cards/tokenpocket-card - Closed to new applicants: 2026-07-14 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): SR Saphirstein AG (Fiat24 / UR) — Switzerland — CHE-256.014.995, Zürich (FINMA Art. 1b fintech licence, granted 16 Feb 2021) - Reason: Fiat24 (SR Saphirstein AG), the FINMA-supervised Swiss fintech-licence holder issuing this white-label card, closed all new client applications on 2026-07-14 citing maintenance works; TokenPocket's own docs route applicants to 'Proceed on Fiat24', where the maintenance gate blocks new applications. Existing cardholders unaffected; flag reverts if onboarding reopens. Direct in-app rejection not observed — inference from the closed shared KYC channel. - Primary source: https://web.archive.org/web/20260723152329/https://docs.fiat24.com/user - Editor note: First, a correction you will find almost nowhere else. There is no physical TP Card and none is coming. TokenPocket's own FAQ states that every Fiat24 card is virtual, which contradicts a good deal of press coverage and, until this review, contradicted our own listing. What the card is: a Visa or Mastercard debit product where the account itself is an NFT on Arbitrum, minted for a fee TokenPocket partly covers, then topped up at 1%. Applications route out to Fiat24, and Fiat24 is not taking any. TokenPocket has said nothing about it. Its docs still walk you to a door that no longer opens. ## CEX.IO Card (discontinued) https://sweepbase.net/cards/cexio-card - Closed to new applicants: 2026-02-03 - Issuer (BIN sponsor, named in the card's own terms): Quicko sp. z o.o. — Poland (KNF) — licence REVOKED 21 Jan 2026 - Reason: CEX.IO Card partner Quicko lost its payment-institution (KIP) licence (KNF decision Jan 21, 2026); card payments unavailable from Feb 3, 2026 - Primary source: https://support.cex.io/en/articles/13460417-important-cex-io-card-update - Editor note: CEX.IO's card partner Quicko lost its Polish payment-institution licence on 21 January 2026, by a KNF decision that took effect immediately. CEX.IO said nothing until 3 February, when one notice announced both that new card orders were paused with immediate effect and that existing cards had stopped working that day. We previously dated the onboarding pause to 22 January; nothing supports that and it is gone. Five and a half months later there is no replacement programme. The card has been removed from cex.io entirely, with no product page, no sitemap entry and no mention on the homepage, and the sole surviving help article still says you cannot order one until a new programme is available. ## Blockchain.com Card (discontinued) https://sweepbase.net/cards/blockchaincom-card - Closed to new applicants: 2024-08-04 - Issuer (BIN sponsor, named in the card's own terms): Pathward, N.A. — USA (ex-MetaBank) - Reason: Consumer Visa card discontinued with no announcement. The waitlist page at blockchain.com/card, the only public application route, was live on 2024-07-17 ("Join the Waitlist. The waitlist is currently available to US customers") and has returned 404 on every capture from 2024-08-04 onward. No blog post, support article or press release ever dated the closure, and no Visa Card article remains in the help centre. - Primary source: https://web.archive.org/web/20240717222830/https://www.blockchain.com/card - Editor note: Blockchain.com's consumer crypto card has been wound down. The official blockchain.com/card page returns 404 as of May 2026, and the card has been removed from the main navigation and footer. We have not seen an official discontinuation announcement, but the product is not accessible to new users. Keeping this entry for historical reference only. ## Mercuryo Spend Card (discontinued) https://sweepbase.net/cards/mercuryo-spend-card - Closed to new applicants: 2026-07-11 - Reason: Spend Card programme, issued in partnership with Paynetics, discontinued: last usable day Jul 10, 2026; card accounts closed Jul 11, 2026 (Mercuryo help centre notice, Jul 7, 2026) - Primary source: https://help.mercuryo.io/hc/en-gb/articles/37419171291677-Closure-of-Spend-Card-Programme-July-2026 - Editor note: Discontinued Jul 11, 2026. Mercuryo retired its Quicko-issued card on Jan 1, 2026 — twenty days BEFORE the KNF revoked Quicko's authorization (Jan 21, 2026) — and relaunched Spend on Paynetics; that second programme has now closed too. Mercuryo's help centre published "Closure of Spend Card Programme July 2026" on Jul 7, 2026: the Spend Card programme "issued in partnership with Paynetics, will be discontinued", last usable day Jul 10, accounts closed Jul 11. Remaining balances are refunded by wire on request to support@paynetics.digital, less closure fees. So Spend died twice in six months on two different issuers — the Quicko cascade did not kill it, the Paynetics exit did. The Spend card's legal page (mercuryo.io/legal/spend) linked only to the "Terms and conditions of Paynetics services" and never mentioned Quicko (checked 2026-07-15). mercuryo.io/spend is now a B2B page selling card issuance to wallets and Web3 companies, not a consumer card. Do NOT record MONETLEY LTD as the Spend issuer: that name is site-wide footer boilerplate for the group's UK e-money entity and appears identically on every mercuryo.io legal page — a previous edit mistook it for the card rail. ## Cryptopay Card (discontinued) https://sweepbase.net/cards/cryptopay-card - Closed to new applicants: 2026-01-01 - Issuer (BIN sponsor, named in the card's own terms): DiPocket UAB — Lithuania (EMI No. 75) - Reason: Consumer product withdrawn: Cryptopay closed personal accounts on 2026-01-01 and now offers only a corporate card under KYB, which is out of scope for this catalogue. Help centre instructs personal customers to request manual withdrawal of any remaining balance after that date, and the public card terms page is labelled "Card Terms (archived version)". The EU card had earlier been disrupted when the Bank of Lithuania revoked UAB PayrNet's licence on 2023-06-22. - Primary source: https://help.cryptopay.me/en/articles/13250313-how-to-withdraw-funds-from-your-cryptopay-account-after-1-january-2026 - Editor note: Cryptopay has pivoted away from consumer crypto cards toward B2B-only services. The cryptopay.me/personal/card page returns 404 as of May 2026, and Cryptopay's website now lists only "Corporate Crypto Cards" alongside payment gateway and merchant services. Consumer applicants cannot get a Cryptopay card today. ## SpectroCoin Card (discontinued) https://sweepbase.net/cards/spectrocoin-card - Closed to new applicants: 2026-07-01 - Issuer (issuer, named in the card's own terms): UAB Pervesk — Lithuania (Bank of Lithuania EMI No. 17, LB000426) - Reason: Closed to new customers. Spectro Finance OU, the EEA entity, paused new EEA registrations after 30 June 2026 pending MiCA CASP authorisation, and waitlists applicants instead. Deposits, crypto purchases and top-ups are suspended with it. The card is EEA-only and funded from converted crypto, so a new customer cannot reach the order step. Existing holders keep access, and SpectroCoin promises a restart on grant of authorisation without naming a date. - Primary source: https://help.spectrocoin.com/en-US/kb/article/129/important-update-changes-to-spectrocoin-services-in-eu-after-30-june-2026 - Editor note: SpectroCoin has issued its own Visa card since 2013 through UAB Pervesk, its Bank of Lithuania EMI, so no third-party BIN sponsor can pull the program. The catch a shopper misses: since 30 June 2026 the EEA arm, Spectro Finance OÜ, is in a MiCA transitional pause. Standard EEA registration is waitlisted and crypto deposits, purchases and top-ups are unavailable. Because the card is EUR-only, EEA-only and funded from converted crypto, a new customer cannot onboard and fund it now; existing holders keep access. ## Hi.com Card (discontinued) https://sweepbase.net/cards/hicom-card - Closed to new applicants: 2026-07-20 - Reason: Card product withdrawn without an announcement: hi.com/products/debit-card returns 404 while still listed in the sitemap, the "hi Debit Card" collection has been removed from the help centre index, the fees page no longer has a card section, and the word "card" is absent from the homepage navigation. Rewards were already dead: "We are revamping our rewards program and suspending all Debit card rewards until further notice." The UK entity closed IBAN and card products on 21 July 2024. A stale membership page is the only remaining card reference. No path exists for a new customer to apply, so the At date records confirmation rather than a stated closure date. - Primary source: https://help.hi.com/en/articles/7992716-membership-benefits-at-hi - Editor note: Hi.com's pricing curve assumes the user already holds the HI token in tier-defining amounts. The Basic 1% needs only 100 HI; the Diamond 10% needs ten million. The middle tiers are stepped roughly in factors of ten between those two anchors. The Spend Rewards program was paused at some point in 2025 and has not fully restarted, which the marketing page does not mention. As a 0.2% FX no-staking card it works. As the 10%-cashback product the homepage suggests, the entry cost is a six- to seven-figure token holding. ## BingX Card (discontinued) https://sweepbase.net/cards/bingx-card - Closed to new applicants: 2026-03-03 - Issuer (BIN sponsor, named in the card's own terms): Paytend Europe UAB — Lithuania (Lietuvos bankas) — e-money licence REVOKED, effective 3 Mar 2026 - Reason: Card-issuing partner Paytend Europe UAB had its Lithuanian EMI licence revoked effective 2026-03-03 (AML/CFT failures); the Paytend-issued Euro Mastercard never returned; BingX launched a separate Wirex-issued Visa card on 2026-07-10 which this row does not yet cover - Primary source: https://bingx.com/en/support/articles/15418263430543 - Editor note: BingX Card has been suspended since March 2026. On 2026-03-03 the Bank of Lithuania revoked the electronic-money-institution licence of Paytend Europe UAB — BingX's card issuer — and as a result Paytend can no longer issue or process payments on the BingX Card. Existing cards stopped working. On 2026-07-10 BingX announced a different card — the BingX Visa Debit Card — issued by Wirex on its Visa principal membership. This row still describes the dead Paytend-issued Mastercard and stays flagged discontinued until the new Wirex card is reviewed on its own terms. See BingX support article 15418263430543 for the original suspension notice. ## HODL Card (discontinued) https://sweepbase.net/cards/hodl-card - Closed to new applicants: 2023-08-08 - Reason: FCA requirements effective 8 August 2023 stopped the issuer, Nvayo Limited (firm reference 900005), from carrying on e-money business; Nvayo's own customer notice confirmed it could no longer onboard customers or load cards, and the firm now shows on the FCA register as in an insolvency process - Primary source: https://register.fca.org.uk/s/firm?id=001b000000m4IWmAAM - Editor note: Club Swan sold this as its HODL Collection, but the cards were issued by Nvayo Limited, an FCA-authorised e-money firm. On 8 August 2023 the FCA imposed requirements barring Nvayo from e-money business, and Nvayo's own notice to customers spelled out what that meant: it could not onboard anyone new, could not accept loads to wallets or prepaid cards, and existing cards would stop working at merchants and ATMs. The FCA register now also flags Nvayo as in an insolvency process. You will find it written elsewhere that a MELD acquisition ended this card — we could not find a primary source for that, and the regulator's dates fit the shutdown. Do not follow the old clubswan.com link either: that domain has since been resold and hosts an unrelated blog. ## Stables Card (discontinued) https://sweepbase.net/cards/stables-card - Closed to new applicants: 2026-04-10 - Reason: Stables pivoted to B2B USDt payments infrastructure (Asia and MENA) and withdrew the consumer Mastercard with no announcement. The last archived page selling it is 2026-03-20 ("The Stables Card is live!", with a Get Free Card CTA). By 2026-04-10 the homepage had fully pivoted to developer messaging, the consumer nav was gone, /personal now 404s and the iOS app is delisted. No application-closure date was ever published; bounded 2026-03-20 to 2026-04-10. - Primary source: https://web.archive.org/web/20260410200037/https://stables.money/ - Editor note: Stables is an Australian Mastercard prepaid card with a 12% Stables Points rate at the OG Metal tier. That rate is the best advertised number in this region, but Stables Points don't have a published redemption value, so do your own math before you factor them into your spending. Unlimited daily spending and 140M+ merchant acceptance match a regular Visa. Multi-chain deposit support (ETH, SOL, AVAX, ARB) is cleanly implemented. Three-minute activation with Apple Pay and Google Pay is genuinely fast. Currently Australia-only, with Europe expansion flagged. The 2% FX on non-USD is the fee to watch if you travel. Best Australian crypto card I've used in the past year. ## Pera Card (discontinued) https://sweepbase.net/cards/pera-card - Closed to new applicants: 2026-04-03 - Issuer (BIN sponsor, inferred from programme documents, NOT named in the card's own terms): Immersve — New Zealand (FSP, Mastercard Principal) - Reason: Card programme ended with its provider partnership: deposits disabled 2026-03-26, card transactions denied from 2026-04-03 (Pera support article 'What's Next for Pera Card'); site shows 'Back Soon' waitlist for a next-generation card - Primary source: https://support.perawallet.app/en/article/whats-next-for-pera-card-1cw3emu/ - Editor note: Pera wound this down properly, which is rarer than it should be. A support article opened a withdrawal window on 12 March, disabled deposits on 26 March, and deactivated cards on 3 April 2026 when the provider partnership ended. Anyone who left USDC behind had to have the account closed by hand. The card itself was a Mastercard debit product on Algorand, non-custodial in a way that meant something: your USDC sat at an on-chain address rather than with a custodian. It ran in the UK, Germany, Italy, Spain and New Zealand. Pera never named the provider, and the launch announcement points at Immersve, so treat that as inference. The page now promises a replacement. ## nsave Card (discontinued) https://sweepbase.net/cards/nsave-card - Closed to new applicants: 2026-05-11 - Reason: New card issuance stopped: "Due to recent changes with one of our issuing partners, new card issuance is currently unavailable" (help centre, 11 May 2026), and the Cards collection carries a standing banner: "Card requests are currently unavailable, and we are not issuing new cards at this time." Pending card requests were cancelled. A follow-up on 15 June 2026 told holders in at least one region "your nsave card will stop working by June 18". nsave says an improved card is expected next quarter; the account itself is unaffected. The nsave.com card marketing page still sells the card and has not been updated. - Primary source: https://intercom.help/nsave_help_center/en/articles/14093424-why-we-stopped-issuing-cards-for-now - Editor note: nsave's pitch is inflation protection, not crypto spending: five stablecoins go in, dollars come out, and the draw is the 3.2-4.2% daily-paid yield rather than any card reward. What earns it a place here is the disclosure — Monavate and Kulipa are named outright, which beats most emerging-market cards — and the genuinely free stablecoin deposit rail. What costs it points: nsave's own documents disagree with each other on issuance fees ($1.99 vs $40) and FX (0.5-1.5% vs 2.5%), Apple Pay is still 'coming soon', and balances carry no deposit protection. Verify the current fee sheet in-app before ordering. # Guides and research — what we found Our own conclusions, one entry per published page. Each line is a finding from that page; follow the URL for the evidence and the method. ## Best Crypto Cards in Europe 2026 https://sweepbase.net/guides/best-crypto-cards-europe-2026 - Inside the EEA a crypto card licensed in one member state passports into the rest, so availability moves by only a handful of cards across sixteen member states and picking by country answers almost nothing. - Switzerland and the United Kingdom sit outside the EEA and outside passporting, which makes them the two real borders in the European crypto card market. - Two self-custody cards measured with an identical method against the European Central Bank reference rate came out 2.64 percentage points apart on the cost of a euro purchase, and roughly half of the larger cost was a spread hidden inside the issuer's own quoted exchange rate rather than a published fee. - European supervisory decisions that shut down card programmes name the licensed entity and never the consumer card, so the only public link between a revoked licence and a dead card is the brand's own help-centre article. ## Which Balance Actually Earns https://sweepbase.net/research/yield-on-spendable-balance-2026 - Of the 139 obtainable crypto cards, 93 advertise yield but only 38 pay it on the balance the card spends from; 50 pay it inside a separate product the card cannot debit and 5 never state which balance earns. - Ten cards hold the money in a product branded as an Earn account, strategy or vault and let the card debit that product at the moment of purchase, so a product name suggesting the funds are parked elsewhere is not evidence that they are. - Only 12 of the 38 cards that pay on the spendable balance do so by default; the remaining 26 require a toggle, a subscription or a deposit into a named product before anything accrues. - Five issuers advertise yield without stating anywhere public which balance earns it, and Sweepbase records those as unstated rather than inferring the more favourable reading. - Every rate on the page is a figure the issuer advertises rather than a return anyone was measured receiving, and seven of the thirty-eight cards publish no rate at all. ## Seven Card Apps, One Order Book https://sweepbase.net/research/trading-desk-concentration-2026 - Outside the exchange-issued cards, nine of the 139 obtainable crypto cards contain a leveraged trading desk inside the card app, and seven of the nine route their orders to the same venue rather than to nine independent markets. - Venue concentration differs from BIN-sponsor concentration in its consequence: a failed sponsor stops payments, while a failed venue strands an open position with money in it. - A minimum deposit to open the trading account is the reliable tell that a card keeps spending money and trading collateral in separate pots, whatever the landing page says about one account. ## Crypto Cards With a Trading Desk Built In https://sweepbase.net/guides/crypto-cards-with-trading-built-in-2026 - The decisive question when choosing among these cards is whether spending balance and trading collateral share one wallet: Hyperbeat is the only one whose terms define both against the same wallet, five issuers document a split, and on three nobody has published which it is. - Holding two of these cards for redundancy does not diversify the trading side, because seven of the nine are front-ends onto the same order book and fail together. - Cards that let you borrow stablecoins against crypto to fund spending are a different product: a loan opens no position and leaves exposure to the collateral unchanged. ## Brazilian Crypto Cards with Pix Top-Up https://sweepbase.net/guides/best-crypto-cards-brazil-2026 - Binance Card is the top pick for Brazil on rails rather than rewards: it is the only card in the Sweepbase database that takes BRL over Pix, runs under a local CNPJ, and processes part of its Brazilian volume domestically. - Brazil's 3.5% IOF on internationally routed purchases outweighs cashback: a 1% card that processes domestically nets more than a 3% card paying IOF. - Crypto sales under R$35,000 in a calendar month carry no Brazilian capital gains tax, and the attempt to replace that exemption with a flat 17.5% lapsed in Congress on October 8, 2025. - At R$5,000 a month of spending, Ether.fi and Binance both return about R$1,800 a year, the top result in the guide's cashback calculator. ## Canadian Crypto Cards: CAD Top-Up & Interac https://sweepbase.net/guides/best-crypto-cards-canada-2026 - Ether.fi Cash Card is the top pick for Canada at a 4.9/5 Sweepbase rating: self-custody Visa Signature, borrow against collateral in your own Gnosis Safe, up to 3% back in USDC. - Bybit, KAST, COCA and Tuyo failed the guide's availability gate and were dropped before scoring: Bybit exited Canada in May 2023, and the other three do not list Canadian residents in their supported regions. - On CA$3,000 a month of spending, Ether.fi Core nets about CA$648 a year even after its 1% FX drag, ahead of Shakepay at Blue status. - Oobit loses money at the base level: its 1% per-payment fee costs roughly ten times what the points return, about CA$324 a year on CA$3,000 monthly spending. ## Best Crypto Cards for Beginners 2026 https://sweepbase.net/guides/best-crypto-cards-for-beginners - Beginners should start with a custodial card from Crypto.com, Coinbase or Binance rather than a self-custody card that requires managing a wallet and seed phrase. - Crypto.com Visa Card is one of the easiest cards to start with: straightforward app, direct bank top-up, and an entry-level Midnight Blue tier that requires no staking. - Ignoring fees is a top beginner mistake: a card advertised as free with a 2% FX spread costs $240 a year at $1,000 a month of spending. - Loading volatile crypto costs buying power: BTC ran from roughly $90k to $113k and back in the first half of 2025, turning a $500 top-up near the high into about $400 of spend. ## Travel-Friendly Crypto Cards with Zero FX Fees https://sweepbase.net/guides/best-crypto-cards-for-travel-2026 - Ether.fi Cash Card is the guide's pick for the USA-to-Europe corridor. - COCA Card is the pick for Europe-to-Asia travel, on 0% FX plus coverage at both ends of the corridor. - Kolo Card has the broadest country coverage of any card in the guide, which is why it takes the best all-round slot. - On a $3,000 two-week trip, a 0% FX card paying 2% cashback leaves a traveler $135 better off than a bank card charging 2.5% FX. ## Germany's Top Crypto Cards Under MiCA Rules https://sweepbase.net/guides/best-crypto-cards-germany-2026 - Ether.fi Cash Card is the number one pick for Germany with a 4.9 out of 5 Sweepbase rating. - Ether.fi and Nexo Credit Mode borrow against collateral rather than selling it, so a card payment creates no taxable disposal under section 23 EStG. - Four of the five German picks spend euros at 0% FX, with Ether.fi joining them after cutting its EUR markup to zero in April 2026. - At 2,000 euros a month of German spending, Ether.fi nets roughly 378 euros a year, the top result for most spenders, though a Platinum-tier Nexo user can come out ahead at up to 480 euros. ## Mexican Crypto Cards: SPEI Top-Up & Pesos https://sweepbase.net/guides/best-crypto-cards-mexico-2026 - Ether.fi Cash Card is the top Mexico pick at 4.9 out of 5, paying cashback in USDC that is spendable the same day and charging a flat 1% FX on peso purchases. - MetaMask adds no markup over Mastercard's wholesale rate, Ether.fi adds a flat 1%, and Zypto charges 1.75% plus 30 cents per transaction. - Tuyo Card is the only direct peso funding path in the top five: its MXN virtual account receives interbank transfers over SPEI and converts them to USDC at no charge. - Spending appreciated crypto in Mexico is a disposal, and the gain stacks onto annual income at progressive rates of 1.92% to 35%, with no separate capital-gains rate. ## UK Crypto Cards: FCA-Registered Picks Reviewed https://sweepbase.net/guides/best-crypto-cards-uk-2026 - Ether.fi Cash leads the UK ranking with a Sweepbase rating of 4.9/5: a self-custody Visa Signature that lends against your crypto instead of selling it. - FSCS covers up to £85,000 in bank deposits, and cryptoasset balances fall outside it even at FCA-registered firms. - The UK Annual Exempt Amount for capital gains in 2025/26 is £3,000 per person, down from £6,000 in 2023/24 and £12,300 before that. - Oobit's 1% fee on every card payment outweighs its official points value of 0.1-0.5%, so at published rates the reward does not cover the fee. ## Crypto Cards USA 2026: Real-World Fees https://sweepbase.net/guides/best-crypto-cards-usa-2026 - 37 of the live cards in the Sweepbase database currently accept US residents, and Ether.fi Cash Card leads with a Sweepbase rating of 4.9/5, collateral held in a Gnosis Safe you control. - Gemini Credit Card (4.4/5) is the only true US crypto credit card still standing, and the only card in this guide that builds credit history. - New York is the hardest state because of BitLicense: Crypto.com covers 49 states but not NY as of July 2026, and Ether.fi excludes NY plus roughly 19 other states. - Tria and Tuyo are kept out of the USA top 5 because both pay rewards in their own tokens that do not trade yet. ## Mastercard Crypto Cards Brazil 2026: Pix & IOF https://sweepbase.net/guides/best-mastercard-crypto-cards-brazil-2026 - Binance Card is the only major Mastercard-issued crypto card with direct Pix top-up to the card balance in Brazil; Pix loads are free and instant from any Brazilian bank. - IOF is a government tax, not a card fee: 3.5% on international card purchases and 1.1% on international ATM withdrawals, applied identically to Visa and Mastercard. - Brazil's SPSAV framework requires crypto platforms serving Brazilian residents to register as Sociedades Prestadoras de Serviços de Ativos Virtuais by October 30, 2026. - Brazil taxes crypto gains only above R$35,000 in monthly sales, at progressive rates of 15%-22.5%, after Congress let MP 1.303 lapse on October 8, 2025. ## Mastercard Crypto Cards UK 2026: FCA & GBP Fees https://sweepbase.net/guides/best-mastercard-crypto-cards-uk-2026 - For purely UK-domestic spending Wirex Card comes out cheapest of this guide's Mastercard picks: 0% FX on GBP, a free entry tier, a native GBP balance and Faster Payments top-up. - The 1inch Debit Card's 0% FX claim is undercut by a 1.75% crypto-to-fiat conversion fee charged on every purchase, which outweighs its 1% cashback. - The FCA cryptoasset regime opens for applications on September 30, 2026 and its full rules come into force October 25, 2027; until then AML registration is the only legal bar. - MetaMask Card was removed from the UK ranking because it stopped taking new UK sign-ups as of a July 24, 2026 check, while existing holders keep spending. ## Best Solana Crypto Cards 2026: What Is Left https://sweepbase.net/guides/best-solana-crypto-cards-2026 - Solflare Card was the first true self-custody Mastercard on Solana, and it stopped working on July 28, 2026 when its issuing partner Kulipa SAS wound down. - No Solana card signs transactions on the user device any more; the closest thing left is Fuse Card, whose funds sit in a Squads multisig the user controls. - SolCard is a custodial prepaid card rather than self-custody, and its draw is a $10,000 per month no-KYC ceiling on the Mastercard tier that costs a 5% top-up fee. - Among major chains Solana is the fastest funding rail for crypto cards: 400ms to 2s confirmation, with most top-ups credited within 5-10 seconds end to end. ## Binance Card Review: 3% BRL Cashback, Brazil Only https://sweepbase.net/guides/binance-card-review-2026 - As of July 2026 Binance's own card FAQ lists Brazil as the only supported country, so no one outside Brazil can apply. - Since June 1, 2026 the Brazil card pays spend-based cashback of 1.5% under 500 BRL a month, 2% from 500 to 5,000 BRL, and 3% at 5,000 BRL or more. - The original Binance Visa Debit Card was discontinued on December 20, 2023, ending the up-to-8% BNB-holding tier program that review sites still quote. ## Bybit Card vs Ether.fi Cash: Side-by-Side https://sweepbase.net/guides/bybit-vs-etherfi-2026 - The guide's verdict is that Ether.fi Cash wins, but the size of the gap depends on how much you spend each month. - On Core tier, Ether.fi Cash pays 3% in USDC on the first $2,000 of monthly spend, then 1% up to $3,000 and 0.5% above that; the 3% band is larger on Luxe and Pinnacle. - Bybit's advertised "up to 10%" is a VIP-only rate subject to monthly caps; every ordinary EEA cardholder earns a 1% base rate with no cap. - Bybit Card is unavailable in the US, UK, Canada and France; it covers 27 EEA countries plus Switzerland, Australia and selected Latin American markets, while Ether.fi Cash serves the US and UK. ## Coinbase Card Review 2026: The 2.49% Fee Is Gone https://sweepbase.net/guides/coinbase-card-review-2026 - Coinbase removed the 2.49% crypto conversion fee on April 6, 2022, and the October 2024 cardholder agreement lists $0 for card transactions, conversion, international purchases and ATM withdrawals. - The real cost of the Coinbase Card today is the spread Coinbase builds into its crypto-to-dollar exchange rate, a number the company does not publish. - The Coinbase One Card (Amex) pays 2% to 4% Bitcoin back tiered by Coinbase holdings, with the boosted rate applying to the first $10,000 of eligible purchases per month and 2% after that. - Coinbase runs the Visa debit card in two geographies, the US except Hawaii through Pathward N.A. and the UK plus the 30 EEA countries through Paysafe, alongside the US-only Coinbase One Amex credit card. ## Crypto Card Comparison Sites: 8 Aggregators Reviewed https://sweepbase.net/guides/crypto-card-comparison-sites-2026 - TODEY had the largest catalog of the eight directories audited, with 222 consumer cards plus a separate B2B section at the late June 2026 check. - OpenCryptoCards shrank between checks: roughly 188 cards at the June 2026 audit, but 99 shown on its own counter on July 24, 2026. - The directories split by trade-off: TODEY optimizes for breadth, Cryptonoshi for hands-on depth, and Sweepbase for data verification with a free CC-BY dataset. - How a site handles dead cards is the maintenance test: Sweepbase counts 23 discontinued card programmes with confirmed dates as of July 24, 2026, four from one July cascade alone. ## Crypto Card Comparison Guide: What to Look For https://sweepbase.net/guides/crypto-card-comparison - The crypto-to-fiat conversion spread, typically 0.5 to 2 percent, is usually the largest cost for active users, even though most cards do not list it clearly. - Advertised cashback rates often require locking up the platform's native token: Crypto.com's ladder runs $500, $5,000, $50,000 and $500,000 depending on card tier, checked July 2026. - For most users there is no meaningful difference between Visa and Mastercard on a crypto card, because both networks have 99%+ merchant overlap. - Visa's stablecoin settlement rail runs through Bridge (Stripe-owned) and is live in 18 markets, with 100+ countries planned by the end of 2026. ## Crypto Card Fees Explained https://sweepbase.net/guides/crypto-card-fees-explained - True annual cost of a crypto card equals annual fee plus yearly spend times FX fee plus yearly spend times spread, minus annual cashback earned. - MaxSwap stacks a 5 percent top-up fee with per-transaction charges, working out to roughly 6.4 percent effective on non-USD spend. - On a $100 cross-border purchase the total fee drag ranges from under $1 on Wirex to $6.90 on MaxSwap once FX, top-up and spread stack. - For a traveler spending $2,000 a month with 70 percent abroad, FX percentage matters far more than the cashback headline: Kraken and MetaMask land at zero, while RedotPay and MaxSwap cost real money. ## The "0% FX Fee" Trap: 170 Crypto Cards Analyzed https://sweepbase.net/guides/crypto-card-hidden-fx-fees-2026 - Of the cards found advertising 0 percent FX, 15 had a hidden fee of this type once the full terms were read. - A measured one-euro purchase on the Tria Card cost 2.64 percent over interbank, of which 1.12 percentage points appeared on no line item. - Seven cards were read in full and judged to be roughly 0 percent with no hidden spread or regional gotcha: Kraken, MetaMask, Bitpanda, Gemini Credit, Deblock, Gnosis Pay and Rebind. - Regional pricing is the second trap: Bybit's 0.5 percent headline FX fee applies in the EEA and Switzerland while Argentine cardholders pay 7 percent, a 14x difference. ## Crypto Card USA Tax Guide 2026: Vault Yield, Collateral Loans & IRS Rules https://sweepbase.net/guides/crypto-card-usa-tax-guide-2026 - Every crypto card transaction in the US is a taxable disposal, with no minimum threshold, no grace period, and no exception for stablecoin spending. - Yield from staking, lending, or DeFi vaults is ordinary income at fair market value on receipt (Revenue Ruling 2023-14), taxed at 10% to 37% depending on your income bracket. - In the guide's full-year worked example, borrowing USDC against ETH collateral instead of selling saves Alex $1,516 in capital gains tax, netting $1,036 a year after $480 of loan interest. - Since 1 January 2025, Rev. Proc. 2024-28 requires per-wallet cost-basis tracking; universal pooling is gone, only FIFO and Specific ID remain valid, and HIFO works only as a valid Spec ID. ## The Sweepbase Crypto Cards Index 2026 https://sweepbase.net/guides/crypto-cards-index-2026 - About one in five tracked cards is true self-custody; the rest are custodial, with the issuer or its banking partner holding the balance in an omnibus account until the point of sale. - Roughly half the catalog pays no cashback at the base tier, and the 5%-plus bucket is small and almost entirely gated behind staking or a subscription. - FX disclosure is the worst part of the market: the not-disclosed bucket captures cards that bury the conversion cost in the spread or reveal it only after KYC. - A rare gem must combine self-custody, 0% FX, no annual fee and non-zero cashback, and very few cards qualify because each property costs the issuer margin. ## Crypto.com Card Review 2026: Is It Still Worth It? https://sweepbase.net/guides/crypto-com-card-review-2026 - The review's editorial verdict scores the Crypto.com Visa Card 3.6 out of 5. - Plus (Ruby Steel) at $4.99 a month or $49.90 a year is the best entry point: 2% prepaid cashback capped at $25 a month, which covers the subscription from about $210 a month of spending. - The advertised 5% rate needs the Obsidian tier's $500,000 CRO lockup, so almost no retail user qualifies; realistic tiers pay 2-3% gross before the $25-75 monthly caps and the CRO spread. - Crypto.com no longer publishes a US fee schedule: as of July 2026 the fees-and-limits page redirects to the homepage, leaving top-up costs and the Basic tier's FX markup to be checked in-app. ## Ether.fi Cash vs Tria Card: We Hold Both https://sweepbase.net/guides/etherfi-vs-tria-2026 - Ether.fi wins on cost: 0% FX on dollars and euros, 3% cashback confirmed to the cent, and yield that keeps running on the balance the card spends from. - A live euro purchase on Tria on 28 July 2026 cost 2.64% over the interbank rate, of which 1.12 points sat inside Tria's own quoted rate rather than any disclosed fee. - Ether.fi paid exactly $0.15 on a $5.00 charge in USDC; Tria advertises up to 6% but distribution can lag twelve months and undistributed cashback is forfeited if you close the account. - Tria's in-app tile advertised up to 22.17% APY on AUSD, but a position held 117 days returned roughly 4.8% annualised once the swap in and back out was paid. ## How to Choose a Crypto Card: Step-by-Step Guide https://sweepbase.net/guides/how-to-choose-a-crypto-card - The recommended order is region first, then custody model, then fees ranked FX, annual, issuance; cashback is a tie-breaker rather than a starting point. - The crypto-to-fiat conversion spread typically runs 0.5-2% and is often baked into the exchange rate, which is the fee most people miss. - Crypto card cashback rates run from 0.5% to 8%, but the higher tiers usually require token staking or a paid subscription. - In most regions Visa versus Mastercard does not matter for a crypto card: the two networks have 99%+ merchant acceptance overlap. ## No-KYC Crypto Cards 2026: The Honest List https://sweepbase.net/guides/no-kyc-crypto-cards-2026 - Of 18 crypto cards marketed as no-KYC, 3 actually work without ID verification under realistic monthly volumes. - SolCard's Mastercard tier is the top pick with a published $10,000 per month no-KYC cap, paid for by a 5% top-up fee, or roughly $50 per $1,000 loaded. - Bitsa Free is the cheapest of the three at roughly $40-60 per $1,000 spent, against near zero on a standard KYC debit card. - Cards that truly work without identity verification do not exist in regulated markets, and above $10k a month no truly no-KYC card exists. ## Self-Custody vs Custodial Crypto Cards https://sweepbase.net/guides/self-custody-vs-custodial-crypto-cards - Celsius creditors' initial liquid distribution covered about 57% of eligible claims, paid in BTC, ETH, cash and shares of Ionic Digital. - FTX's larger $5 billion distribution landed on May 30, 2025, more than two years after customer balances were frozen. - A self-custody card issuer can stop the card from working but cannot move your crypto, while a custodial shutdown can lock both your spending ability and your balance. - The guide's verdict: both custody models are valid, custodial cards are simpler with usually better rewards, and self-custody matters more the more you hold. ## Stripe Bridge Stablecoin Cards: 100 Countries https://sweepbase.net/guides/stripe-bridge-stablecoin-cards-2026 - On March 3, 2026 Visa announced it is expanding its Bridge partnership from 18 countries to 100+ by the end of 2026. - Bridge-powered cards are observed running FX spreads of roughly 0.1 to 0.3%, against the 0.5 to 2% typical for traditional crypto cards, though no flat rate is published. - Phantom Cash and Tuyo are the most visible consumer products on the Stripe Bridge stack as of mid-2026, and both are Visa rather than Mastercard. - Mastercard is not a Bridge partner and is building a separate stablecoin rail through its March 2026 acquisition of BVNK for $1.8B. ## Top 10 Crypto Cards Ranked by Real Net Fees https://sweepbase.net/guides/top-10-crypto-cards-by-real-fees - Two cards tie at the top of the ranking with a +3.0 net value score, Fold sits alone at +1.5, and nothing below Binance clears half a percent. - The ranking's Net Value Score is base-tier cashback percentage minus the explicit per-purchase fees charged on home-currency spend. - Coinbase Card is excluded because neither side scores: the 2.49% conversion fee ended April 6, 2022 leaving only an unpublished spread, and no fixed base reward rate is published. - Crypto.com is left off because its 5% prepaid rate needs an Obsidian-level $500,000 CRO lockup, and Plus ($4.99/mo, 2%) and Pro ($29.99/mo, 3%) land well below the listed cards. ## Advertised vs Measured: Crypto Card Numbers We Tested https://sweepbase.net/research/advertised-vs-measured-2026 - The measured euro purchase on Tria sat 2.64% from the interbank rate, and the missing 1.12% was inside the exchange rate itself, not a line item in any document. - Ether.fi charges 0% FX on euro purchases and settles them out of a dollar balance, while Tria charges up to 3% and buries about 1.1 points of that inside the rate. - Foreign-exchange cost is measured against the European Central Bank reference rate published for the day of the purchase, not against the issuer's own quoted rate. ## BIN Sponsor Concentration in Crypto Cards (2026 Research) https://sweepbase.net/research/bin-sponsor-concentration-2026 - Across the 141 cards studied the HHI-style index is roughly 400 to 500 — inside the DOJ's unconcentrated band, and computed from card counts rather than transaction volumes. - Roughly 17 of the 22 newest US self-custody card brands terminate at a single issuer, Third National behind the Rain rail — most of that attribution inferred rather than named verbatim. - With the takeover closed, one self-custody crypto wallet brand now owns the BIN sponsor for most of its EU self-custody competitors, including the sponsor behind Kraken's Krak card. - About 79 cards name their sponsor verbatim in a public agreement, roughly 34 rest only on an older document or filing, and about 25 name nobody at all. ## Crypto Card Shutdowns & Cascade Risk (2026 Research) https://sweepbase.net/research/crypto-card-shutdowns-2026 - One KNF decision on 21 January 2026 took down three tracked consumer cards, with CEX.IO and Trustee both stopping work on the same day, 3 February. - One Fiat24 notice closed five cards to new applicants at once: Fiat24 runs onboarding and KYC for its own card plus the SafePal, imToken, TokenPocket and THORWallet white-labels. - Moonwell Card and Osmosis Pay closed on Cypher's date rather than one of their own, because they read Cypher's schedule, while their own documentation still advertised the card. - Utorg ran on Quicko by its own terms of use but is deliberately excluded from the closure count, because no source establishes when it stopped and the dataset requires a verified stop date.