| Effective rewards |
~2-4% realistic (advertised up to 10% in points, capped)
|
1% cashback uncapped + MetaMask Rewards points (1 pt/$1)
|
| Reward asset |
Points redeemable to USDT/USDC/BTC/ETH
|
Cashback token/points (MetaMask Rewards)
|
| Staking tier |
No token lock; reward tier by VIP/trading volume/balance
|
-
|
| Custody |
Custodial
|
Non-custodial
|
| Annual fee |
No annual fee
|
Free issuance (virtual)
|
| FX fee |
Applies (verify by region)
|
~1% cross-border fee
|
| ATM fee |
Applies
|
Verify
|
| Conversion spread |
Exchange conversion at spend
|
Spend USDC/USDT/wETH direct; minimal conversion
|
| Network |
Mastercard/Visa (region-dependent)
|
Mastercard
|
| Apple / Google Pay |
Yes
|
Yes
|
| Region availability |
EEA and select markets (not US/UK)
|
US and select markets (EEA expanding; verify UK)
|