| Effective rewards |
~2-4% realistic (advertised up to 10% in points, capped)
|
0% cashback (pure spending/off-ramp product)
|
| Reward asset |
Points redeemable to USDT/USDC/BTC/ETH
|
-
|
| Staking tier |
No token lock; reward tier by VIP/trading volume/balance
|
-
|
| Custody |
Custodial
|
Custodial
|
| Annual fee |
No annual fee
|
Virtual $10 / Solana Edition $10 / Physical $100 issuance
|
| FX fee |
Applies (verify by region)
|
~1.2% FX markup
|
| ATM fee |
Applies
|
Verify
|
| Conversion spread |
Exchange conversion at spend
|
1% crypto conversion fee
|
| Network |
Mastercard/Visa (region-dependent)
|
Visa
|
| Apple / Google Pay |
Yes
|
Yes
|
| Region availability |
EEA and select markets (not US/UK)
|
50-100+ countries; no-KYC virtual tier; high daily limits
|