# Non-Custodial Crypto Debit Cards

Source: https://defiprime.com/non-custodial-crypto-debit-cards
Kiwi News: https://news.kiwistand.com/stories/Non-Custodial-Crypto-Debit-Cards?index=0x682b6c0a304aeefcccf7e6f0921e4c645c49bf1999c18dc93410e79b2f1537c57c9fa7c7
Submitted by tim on 2025-05-19 UTC, 6 upvotes, 9 comments

## Summary

Few crypto debit cards now meet the strict original definition of non-custodial, so the updated test asks only that funds stay in a wallet or smart contract the user controls and move out only when paying. Most programs share infrastructure, with Rain as program manager or issuing partner for many and Third National as issuer in most terms. On August 28, 2026, an attacker drained $500,859.22 from 1,685 Avici users through a Rain-run Solana card contract, and Rain covered the refunds.

## Article

Updated October 5, 2026. The first version of this guide was published in May 2025. Since then Cypher has closed, the Gnosis Pay card is shutting down, and several new self-custodial cards have launched. Fees, tiers and regions below were read from each program’s own docs and terms in early October 2026. Card programs change their terms often, so check the app before you sign up.

What Counts as a Non-Custodial Crypto Card

In 2025 we used a strict definition: no extra app, no vendor lock-in, just connect an existing Web3 wallet and get a card. Almost nothing on the market meets that bar anymore. The MetaMask Card comes closest. Nearly every other program now ships its own wallet app.

So this guide uses a looser and more useful test: the card program should not be able to move your money outside the card flow. Your funds sit in a wallet or smart contract you control, and the card pulls from it when you pay. That excludes cards where you sell your crypto to the operator, deposit it into an exchange account, or convert it to e-money at a licensed issuer.

Almost every card below comes with the same two caveats.

Most of them run on the same plumbing. Rain is the program manager or issuing partner for Ether.fi Cash, Exa, Tangem Pay, Ethena Pay, Plasma One, Avici and Tria, and the issuer named in most of their terms is Third National, a Puerto Rico money transmitter. Behind most of this market sit a single company’s contracts and compliance decisions.

“Your own contract” can still be someone else’s code. On August 28, 2026 an attacker drained $500,859.22 from 1,685 Avici users through a Rain-run Solana card contract. Rain covered the refunds. Nobody’s wallet keys were stolen; the money was in the card collateral contract.

We cover both in detail, with the terms of 18 card programs side by side, in Crypto Cards in 2026: Who Holds the Money Before the Swipe. This page is the practical companion: which card to get, what it costs, and where it works.

Ether.fi Cash

Ether.fi Cash is the largest self-custodial card program whose purchases can all be seen on chain. Paymentscan put its August 2026 spend at $109.5 million across 1.45 million transactions. Your funds sit in a vault on Optimism, and you can spend in two ways: Direct Pay debits stablecoins from the vault, while Borrow Mode lets you spend against your crypto without selling it, borrowing from an Aave V4 instance that Ether.fi manages.

Tiers and cashback. Core is free. Luxe needs 5,000 membership points a month, $15,000 in Ether.fi Liquid vaults, 30,000 staked ETHFI, or $199 a year. Pinnacle needs 25,000 points, $100,000 in Liquid, 150,000 staked ETHFI, or $999 a year. VIP is by invitation. Every tier earns 3% cashback up to a monthly cap: the first $2,000 of spend on Core, $10,000 on Luxe and $50,000 on Pinnacle. VIP gets 4% on the first $50,000. Above the cap the rate steps down (on Core, 1% on the next $1,000 and 0.5% after that). Cashback is paid in ETHFI, not in stablecoins, and is locked for seven days.

Funding. You can top up in USDC from 14 networks, including Ethereum, Arbitrum, Base, OP Mainnet, Polygon and Solana, plus USDT, ETH, weETH, BTC and a long list of other assets. There is no deposit fee beyond gas. Withdrawals go out on Optimism, Ethereum or Base.

Fees and limits. FX is a base rate of about 1% plus a tier margin of up to 0.5% on Core, up to 0.25% on Luxe and nothing on Pinnacle or VIP. Purchases from EUR merchants carry no FX fee. Default limits are $5,000 a day per card and $10,000 a day per vault. ATM withdrawals are capped at $1,000 per withdrawal and five a day, with 10 free withdrawals a month on Pinnacle and VIP.

Cards and regions. Every tier gets free virtual cards. Physical cards are plastic on Core and metal from Luxe up, and the help center lists conflicting fees for them, so check in the app. Apple Pay and Google Pay are supported, but you add the card manually from its details. Physical cards ship to about 90 countries, including the UK, Canada, Brazil, Mexico and Japan. In the US, physical cards are available in 31 states. KYC is required.

The custody fine print. The vault is self-custodial, but its owner is a Turnkey signer with an Ether.fi recovery signer behind it, so it is not a plain wallet you hold the only key to.

What changed since 2025. In our May 2025 test, several card transactions were declined, Apple Pay did not work, and withdrawals were only possible on Scroll. The withdrawal problem is fixed, and the help center now documents Apple Wallet setup. We have not re-tested the card since.

The MetaMask Card is the card that still fits our original definition. There is no top-up. You approve a spending cap on your own MetaMask address, the card pulls exactly what you spend at checkout, and you can revoke the approval at any time. It is issued by Monavate in Europe and the UK and by Cross River Bank in the US.

You can spend on Linea, Base, Solana and Monad. Supported tokens include USDC on all four chains, USDT on Linea, Base and Solana, and mUSD, wETH, EURe and GBPe on Linea. Spending a stablecoin in your own currency is free. Other crypto, such as wETH, costs 0.875% per purchase.

The virtual card is free and pays 1% back in mUSD, with a 1% cross-border fee and a 2% ATM fee (ATM withdrawals work in the US only). The Metal card costs $199 a year, pays 3% back in mUSD on the first $10,000 of yearly spend and 1% after that, and drops the cross-border fee. Limits are $10,000 per transaction and $15,000 a day on the virtual card, and double on Metal.

Availability is the catch. MetaMask says signups in the US and UK are “temporarily closed” (existing cardholders are unaffected), and Metal card orders have been paused since June 2, 2026. The card is otherwise available in about 46 countries, including most of the EU, Switzerland, Canada, Brazil and Mexico. KYC is required.

Exa Card

Exa, built by the team behind Exactly Protocol, is a self-custodial credit card. Its wallet terms say the wallet “is not controlled in any manner by Exactly.” The wallet is a smart account on Optimism secured with passkeys, so there is no seed phrase.

When you pay, Exa either debits your deposits in Exactly Protocol’s lending markets (Pay Now) or borrows on your behalf against your collateral and splits the purchase into fixed installments, up to nine according to the docs. You can deposit USDC, ETH, wstETH, WBTC and OP, and your deposits earn variable yield while they back the card. The card is issued by Third National through Rain.

The card is virtual only and works with Apple Pay and Google Pay. There is no cashback. The FX fee is 1.5% (the US card terms say 1%). ATM withdrawals work by tap only and cost $1 plus 0.65%, up to $250 per withdrawal. The weekly purchase limit is $10,000. Exa lists about 47 eligible countries and 31 US states on its availability page. KYC runs through Persona.

Tangem Pay

Tangem Pay is the card attached to the Tangem hardware wallet app. Tangem says your card balance “is held in a smart contract account that you control” and can be withdrawn to your Tangem Wallet at any time. That balance is separate from your main wallet, so you move funds into the card account before spending. The product is run by Paera LLC, issued by Third National through Rain. It does not work with outside wallets such as MetaMask or Ledger.

You fund it with USDC or USDT on Polygon, Base, BNB Chain or Arbitrum. Cards are virtual for now, with physical cards “coming soon”, and work with Apple Pay and Google Pay.

The Basic plan is free and pays 1% cashback in USDC (capped at $100 a month). Plus costs $29.99 a month, or is free with $4,500 of monthly spend or $65,000 in Yield Mode, and pays 2% (capped at $300 a month). Prestige ($999 a year) has a waitlist. FX is Visa’s rate plus 1.5%. ATM withdrawals cost 4% on Basic and 2% on Plus, up to $250 each. Tangem Pay is available in the US and about 40 other countries, and KYC is required.

Phantom Cash Card

Phantom’s card spends CASH, a dollar stablecoin issued through Bridge and Stripe, from a self-custodial smart-contract wallet on Solana. Phantom’s help center says “Phantom, Stripe, Link, or any partner can’t access or withdraw your funds.” When you pay, CASH moves from your account to Bridge’s debit-card smart contract and is converted to dollars. The card is issued by Lead Bank with Bridge as program manager.

You fund it by sending USDC, USDT or PYUSD on Solana, which converts to CASH automatically. The card is virtual only, free to issue, and works with Apple Pay and Google Pay. Domestic purchases are free. International fees are shown before you confirm, but Phantom doesn’t publish a rate. There is no cashback. The spending limit starts at $2,000 a day and can rise to $5,000 after 30 days.

The card is US-only, excluding New York, which makes it a simple option for US users. See Phantom Cash for details. KYC is required for the card, not for the wallet.

Ethena Pay

Ethena Pay launched in beta on Avalanche on September 1, 2026. It combines a wallet whose keys stay on your device with a USDe balance and a Visa card. The card is secured: your USDe stays in your wallet as collateral and you grant a security interest over it, with Rain as program manager and Third National as issuer.

The rewards are the reason to look at it. Cashback is paid in AVAX: 4% on the first $2,500 of monthly spend on the Standard tier, 4.5% on Pro and 5% on VIP, with lower rates above each tier’s cap. A separate Daily Boost pays up to 6% a year on your USDe balance (5% up to $5,000 on Standard), as long as you make at least one card purchase a month. Ethena says rewards are discretionary. The tier rules are on the pricing page.

There are no account fees. FX is a network pass-through of about 1%, and ATM withdrawals, where available, cost $1 plus 0.65%. Ethena says the card is live in 48 countries for non-US residents. The Block reported that the EU is also excluded for now. It is still a beta, iOS first, with access expanding weekly.

Plasma One

Plasma One is a stablecoin card on the Plasma chain. Your wallet is a non-custodial Privy wallet whose keys sit in secure hardware, and the card is issued by Third National through Rain.

There are three tiers. Lite is free (activated with a $10 deposit or fee, depending on region) and pays 2% cashback. Core costs $199 a year, or 20,000 XPL locked for a year, and pays 3%. Platinum needs 100,000 XPL locked and pays 4%. All tiers get a free virtual card with Apple Pay and Google Pay, and Core and Platinum get a free first physical card. FX costs a 1% Plasma markup plus about 1% from Visa on Lite, a 0.5% markup on Core, and no Plasma markup on Platinum. Plasma One has separate card terms for US and international users. Fees are on its help center.

Bleap

Bleap is a Latvian card on a Mastercard issued by Unlimit EU, a Cypriot e-money institution. It has the clearest custody language of any card here: “Neither Bleap nor Unlimit holds your wallet assets. If either Bleap or Unlimit becomes insolvent, your Bleap Wallet assets remain unaffected.” The card can only be funded from the Bleap Wallet, which you control.

According to the cardholder terms, Bleap charges “no issuance, monthly, usage or exchange fees.” The card page lists 0% FX and free ATM withdrawals up to EUR 400 a month. Cashback is paid in USDC: 1% on everything, 2% at restaurants and supermarkets, 3% on rides and food delivery, and 20% on streaming, gaming and AI subscriptions. Bleap’s blog lists Arbitrum, Solana and Base as supported chains. The card is for residents of the EEA and Switzerland, and the card page also lists Latin America, naming Mexico and Brazil. Bleap does not list the US or UK.

Avici

Avici is a Solana-native neobank with a secured Visa card. Your USDC goes into a self-custodial escrow contract that Rain runs, and that is the contract drained on August 28. Rain refunded everyone, and Avici added 10% on top.

The Platinum card costs $15 for a virtual card or $50 one-off for physical. Signature costs $30 in the first year for virtual, then $20 a year, or $75 for physical. There are no transaction fees and no FX markup from Avici, though Visa may add a 0.4 to 1% cross-border fee. ATM withdrawals cost $1 plus 0.65% on Platinum and are free on Signature. Avici is available in 45+ countries and 30 US states (not Massachusetts or New York), with Apple Pay and Google Pay. Fees are on its docs.

Tria

Tria’s card terms say your collateral is “owned by you at all times and held in your custody within one or more smart contracts.” The card was the second program hit in the August 28 Rain exploit, and Tria refunded affected users.

Its strength is funding breadth. You can top up from Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BNB Chain, Aptos and Solana, with no Tria deposit fee (swap and bridge provider fees still apply). Memberships run from Lite (digital card) to Pro (plastic) and Max (metal). Tria does not publish tier prices or cashback rates outside the app. ATM withdrawals cost $1 plus 1%.

COCA

COCA is an MPC wallet with a Visa card. Its terms say “you are solely in control of your Digital Assets. Coca has no control over your NCW.” Wirex provided the card infrastructure at launch in 2024. Cashback runs from 1% on the free Starter tier to 8% on Elite, which needs 30,000 staked COCA, and there is a 50% rebate on one subscription per category each month (capped at $70). COCA serves the UK, EEA, Asia, South America, the Middle East and Africa. Its site does not list the US. It does not publish a fee schedule outside the app.

Gnosis Pay Is Shutting Down

The Gnosis Pay card was the original self-custodial card, built on a Safe smart account on Gnosis Chain, and the card our 2025 guide called a popular option for users outside the US. It is closing. Gnosis Pay says that “the Gnosis Pay card and web app both stop on 20 December 2026”. After that the web app only allows withdrawals, and funds in your Safe have no withdrawal deadline. GNO cashback ended on September 30. The card also had a security incident in June 2026 that forced users to migrate to a new card Safe.

Gnosis Pay is steering users to partner apps. Euro accounts can move to Rebind, which keeps the IBAN but says its card itself is not self-custodial. Dollar accounts go to MiniPay on Celo (a new account with no Safe) or Picnic in Brazil. Card services through Zeal also end by December 20.

Cards From Our 2025 List That Are Gone or Reclassified

Cypher is closed. Nium acquired it on July 8, 2026, closed all cards on August 8 and shut the platform on September 6. The Moonwell Card, built on Cypher, went with it.

Solayer Emerald no longer fits this guide. Solayer markets it as “fully on-chain,” but its own security documentation says “the majority of your assets live in cold storage” behind multisig controls. That is custody, whatever the ledger looks like.

Ready (formerly Argent) and Solflare both lost their cards when their issuing provider Kulipa halted operations on July 28, 2026. Because both were self-custodial, no balances were lost.

Worth watching: Startale Card, a Visa card for spending from your own wallet on Soneium, opened a waitlist on July 13, 2026. It has published no fees, issuer or launch markets yet.

Non-Custodial Crypto Cards Compared

Card Chains Card cost FX fee Rewards US Status

Ether.fi Cash Optimism vault, funded from 14+ networks Free (Core) to $999/yr ~1% + up to 0.5%; 0% on EUR 3% up to tier cap (4% VIP), in ETHFI Yes Live

MetaMask Card Linea, Base, Solana, Monad Free virtual; Metal $199/yr 1% (virtual), 0% (Metal) 1% (3% on Metal) in mUSD Signups closed Live; US/UK signups closed

Exa Optimism Free 1.5% None; yield on deposits 31 states Live

Tangem Pay Polygon, Base, BNB Chain, Arbitrum Free; Plus $29.99/mo 1.5% 1% to 2% in USDC, capped Yes Live, virtual only

Phantom Cash Solana Free Shown at checkout None Yes (not NY) Live, US only

Ethena Pay Avalanche Free ~1% 4% to 5% in AVAX, plus up to 6% on balance No Beta

Plasma One Plasma Free (Lite) to $199/yr Up to 1% markup + ~1% Visa 2% to 4% Separate US terms Live

Bleap Arbitrum, Solana, Base Free 0% 1% to 3%, 20% on subscriptions, in USDC Not listed Live, EEA and LatAm

Avici Solana $15 to $75 0% markup + Visa Not documented 30 states Live

Tria BTC, EVM chains, Aptos, Solana In app Not documented In app Not documented Live

COCA EVM chains Free (Starter) Not documented 1% to 8%, top tiers need staked COCA Not listed Live

Gnosis Pay Gnosis Chain n/a n/a Ended Sept 30 No Closes Dec 20, 2026

Which Card Should You Pick

You want to keep using your existing wallet: MetaMask Card, if signups are open where you live. It is the only card here that spends straight from your own address without a separate deposit.

You hold ETH or other crypto and don’t want to sell it: Ether.fi Cash in Borrow Mode, or Exa if you want fixed installments.

You are in the US: Phantom Cash for a simple free stablecoin card, Tangem Pay if you already use a Tangem wallet, or Ether.fi Cash for rewards.

You are in Europe: Bleap for no fees and the clearest insolvency protection, or Ether.fi Cash for higher cashback.

You are chasing rewards: Ethena Pay pays 4% to 5% on everyday spend plus yield on your balance, but it is a beta, pays in AVAX, and is not available in the US or EU.

You were a Gnosis Pay user: move your funds before December 20, and treat the partner apps as new products with their own custody terms, not as the same card.

Whatever you pick, keep only spending money on the card. Every program here relies on smart contracts, a program manager and an issuer you don’t control, and August showed that the contract holding your card balance can fail even when your wallet keys are safe.

## Comments

**curl.ytocin.eth**: I've been using Gnosis Pay without issues for a while, but since they all rely on the debit card circuit (eg Visa) I'd hardly call them fully self-custodial. If anyone needs a card I'm happy to send a referral.

It's as good as it gets to connect to the existing financial circuits, but it would be cool to start creating a system that fully transacts and settles onchain

**tomw1808.eth**: Actually, its not as good as it gets, because for me I need to hold EURe tokens. Ideally, I'd like to have crypto in the safe wallet and it auto-swaps based on some predefined rules. I could also imagine some permit functionality, which is something I really hope they will implement at some point.

**tim**: > Ideally, I'd like to have crypto in the safe wallet and it auto-swaps based on some predefined rules

btw that's somewhat possible with Zeal. E.g. you can setup deposit rules with Zeal such that e.g. you deposit your dollar Stablecoin into Sky to earn 8% APY (as of now). Or you can even park your money in ETH and only swap to fill up the Gnosis Pay.

**tomw1808.eth**: I did not know about Zeal, thank you. Wanted to check it out, but when I request access then the page doesn't load. 

Is that a fork of safe with some additional modules in it? I thought gnosispay can't do transaction which are not confirmed to be EURe by a number of blocks, making an instant conversion during the payment happening unfeasible. I remember there was something like that, but its been a while, so maybe I got that wrong.

**tim**: https://apps.apple.com/de/app/zeal-cut-middlemen-keep-yield/id6474893137?l=en-GB

Did you try this one?

**tomw1808.eth**: nope, didn't see that. I thought I'd see a page where I create a safe wallet or sorts, didn't expect an iOS app :) 

https://beta.zeal.app/ I tried that link and that didn't open (might be the DNS based ads blocker though...)

It looks interesting, going to give it a try. Did you test it with gnosis pay? Any hiccups to expect during setup?

**tim**: Yeah, I‘ve been using that app with Gnosis Pay as my daily driver credit card for almost all expenses and it works really well. 

Also, when there was this period of very high yield on stablecoins 6 months ago it felt really nice using this model because I‘d have my stablecoins parked in Sky and Aave and they‘d get up to 10% APY for some period.

How the model works is that you define a EURe amount your Gnosis Pay card should be filled up to and this part doesn‘t earn yield. For me that‘s 200 EUR. And then there is the larger amount of money you put in Sky. And if your Gnosis Pay falls under 200 EUR, then a script triggers that cashes out from Sky/Aave and sends it to the card.

**tomw1808.eth**: That is the reason I frickin love DeFi. 

The People think that SEPA Instant is next-gen will probably explode their head if they understand this.

**tomw1808.eth**: I still wish Gnosis pay (or monerium) would use allowance and swaps of sorts to use EURe just as a gateway anymore. Will probably not happen, but that'd be pretty cool