| Effective rewards |
1-2% realistic (mid-tiers); 5% ceiling needs $400k CRO staked
|
0% cashback (pure spending/off-ramp product)
|
| Reward asset |
CRO
|
-
|
| Staking tier |
CRO $0 (1%) / $400 (2%) / $4k (3%) / $40k (5%) / $400k (5%+perks), locked 180 days
|
-
|
| Custody |
Custodial
|
Custodial
|
| Annual fee |
No annual fee; some regions charge shipping/issuance
|
Virtual $10 / Solana Edition $10 / Physical $100 issuance
|
| FX fee |
None up to monthly limit, then ~0.5-3%
|
~1.2% FX markup
|
| ATM fee |
Free to monthly cap (e.g. $200-$1k by tier), then ~2-3%
|
Verify
|
| Conversion spread |
Interbank-ish, no explicit spread disclosed
|
1% crypto conversion fee
|
| Network |
Visa
|
Visa
|
| Apple / Google Pay |
Yes
|
Yes
|
| Region availability |
US, EEA, UK, Canada, APAC, LATAM (varies)
|
50-100+ countries; no-KYC virtual tier; high daily limits
|