Gnosis Pay

I’ve been with Gnosis Pay for a year now, used Naga Pay and the god awful Plutus before. The cashback you get accumulates and I now have 5% Cashback in CRC (crypto). Here are OG Invites which grant you a free card and 10 Euros in CRC, when you spend 10 Euros yourself. That’s the most you can get at the moment (may 2026). You get an IBAN that you can use with your card, there is no need to spend your valuable crypto (hodl). Each link is one time use so if anyone wants a fresh referral if this one is used just ask :). Join Gnosis: https://app.gnosis.io/referral/0x4ff7c7b27a355586c4b1300fff84e86735085a59845f01dcd4173f93de6c6774?utm\_campaign=referral Join Gnosis: https://app.gnosis.io/referral/0x0dbd939cec3364ede1d8793c3f3fd4def8a4f1f9d29d586845f0775e10e08e48?utm\_campaign=referral Join Gnosis: https://app.gnosis.io/referral/0x327ce79825ece6a8f71e9bcf3ce529193696ee5bade1159027b77b68535297f8?utm\_campaign=referral Join Gnosis: https://app.gnosis.io/referral/0xee46ab512a1e45ae8535cefee657fa4c107b93430f86ced6f00cce8c888d0427?utm\_campaign=referral

e been with Gnosis Pay for a year now, used Naga Pay and the god awful Plutus before. The cashback you get accumulates and I now have 5% Cashback in CRC (crypto). Here are OG Invites which grant you a free card and 10 Euros in CRC, when you spend 10 Euros yourself. That’s the most you can get at the moment (may 2026). You get an IBAN that you can use with your card, there is no need to spend your valuable crypto (hodl). Each link is one time use so if anyone wants a fresh referral if this one is used just ask :). I forgot to mentions that it‘s not only for EU but also for UK. Join Gnosis: [https://app.gnosis.io/referral/0x4ff7c7b27a355586c4b1300fff84e86735085a59845f01dcd4173f93de6c6774?utm\_campaign=referral](https://app.gnosis.io/referral/0x4ff7c7b27a355586c4b1300fff84e86735085a59845f01dcd4173f93de6c6774?utm_campaign=referral) Join Gnosis: [https://app.gnosis.io/referral/0x0dbd939cec3364ede1d8793c3f3fd4def8a4f1f9d29d586845f0775e10e08e48?utm\_campaign=referral](https://app.gnosis.io/referral/0x0dbd939cec3364ede1d8793c3f3fd4def8a4f1f9d29d586845f0775e10e08e48?utm_campaign=referral) Join Gnosis: [https://app.gnosis.io/referral/0x327ce79825ece6a8f71e9bcf3ce529193696ee5bade1159027b77b68535297f8?utm\_campaign=referral](https://app.gnosis.io/referral/0x327ce79825ece6a8f71e9bcf3ce529193696ee5bade1159027b77b68535297f8?utm_campaign=referral) Join Gnosis: [https://app.gnosis.io/referral/0xee46ab512a1e45ae8535cefee657fa4c107b93430f86ced6f00cce8c888d0427?utm\_campaign=referral](https://app.gnosis.io/referral/0xee46ab512a1e45ae8535cefee657fa4c107b93430f86ced6f00cce8c888d0427?utm_campaign=referral)

I've been splitting spending between two cards for a few months. Crypto.com card for most things because the cashback is real and the UX is honestly fine, and a Gnosis card for when I feel like paying straight from my own wallet. Mostly curiosity, not ideology. Self-custody UX is still clunky enough that I never really felt the difference. Saturday morning I'm at a bakery and the Crypto.com card declines once, then goes through on the second tap. Five seconds of mild panic, normal stuff. Walked out and looked at the app, no issue flagged, balance fine, transaction fine. Probably the terminal. But then I'm walking and the thought lands that during those five seconds I had basically no idea what state my money was in. I had a balance on a screen and an app I trust to be telling me the truth. If that decline had been a soft freeze on their end while they ran some compliance check, my "balance" wouldn't have actually been mine, and I'd have no recourse other than waiting for an email reply. The screen number isn't custody. It's a claim against the platform. Used the Gnosis card at the next place and the mechanics of it are still worse. Pre-funded, slower to top up, more steps. But the screen number is just a view of what's actually in the wallet. Same number whether the app is open or not. The thing I keep getting stuck on is that the marketing pitch for self-custodial cards always leans on "no KYC" or "censorship resistance" or whatever, and that's not really true. I went through full KYC for the Gnosis one. Same forms, same wait. The actual benefit is much smaller and much more boring, which is that between transactions the money is sitting in a wallet I control, not in their float. For something as mundane as a bakery run that distinction sounds pedantic. After the five seconds of staring at a declined screen with no information, it doesn't. Still using the Crypto.com card for most things to be honest. The UX gap is real. Just don't think I'll be able to look at that balance number the same way again.

TL;DR: Le crypto card si dividono in custodial (fondi su exchange, soggette a report automatico CRS) e non-custodial (fondi nel proprio wallet, prelevati via smart contract al pagamento). Per il fisco italiano, la riduzione del reporting automatico dei provider non elimina gli obblighi personali di dichiarazione delle plusvalenze. **- Il funzionamento delle Crypto Card e l'impatto del CRS** Una crypto card consente di spendere asset digitali convertendoli in valuta fiat come l'Euro istantaneamente al momento del pagamento su circuiti tradizionali come Visa e Mastercard. Tuttavia, l'architettura tecnica dietro lo strumento determina profondamente gli obblighi normativi e la trasmissione automatica dei dati finanziari alle autorità. Il Common Reporting Standard (CRS), promosso dall'OCSE, è il modello internazionale per lo scambio automatico di informazioni finanziarie tra stati sovrani. Quando si utilizza una carta di tipo custodial, come la Crypto . com Card, i fondi sono depositati presso un intermediario centralizzato (un exchange o un istituto di moneta elettronica). Questo intermediario detiene un conto con custodia e richiede una verifica KYC completa, rientrando spesso nei soggetti obbligati alle comunicazioni CRS e inviando i dati transazionali e di saldo direttamente alle autorità fiscali competenti. **- La tecnologia delle Crypto Card Non-Custodial (Self-Custody)** Il panorama sta cambiando radicalmente con l'introduzione delle carte non-custodial, dove l'emittente della carta non detiene i fondi dell'utente. I token rimangono nel wallet privato del titolare fino al secondo esatto della transazione. Il flusso tecnico si basa su una serie di passaggi integrati on-chain: \- Autorizzazione limitata (Allowance): Invece di ricaricare un saldo interno in anticipo, l'utente concede un permesso revocabile a uno smart contract per prelevare un tetto massimo di stablecoin dal proprio wallet. \- Circuito di pagamento standard: Quando la carta viene passata su un POS, la richiesta viaggia sui tradizionali binari Visa o Mastercard. I dati personali completi del titolare legati alla verifica KYC sono detenuti dal provider della carta, non dai circuiti di regolamento in sé. \- Conversione e prelievo in tempo reale: Il provider, sfruttando l'allowance concessa, preleva l'importo esatto in stablecoin dal wallet dell'utente solo al momento dell'acquisto, lo converte immediatamente in fiat tramite un liquidity provider e dà il via libera al pagamento. Il commerciante riceve euro normali sul proprio conto. **- Panoramica dei prodotti sul mercato: MetaMask, Gnosis e DeGate** Esistono già diverse soluzioni attive o in arrivo che sfruttano questo paradigma non-custodial: **\* MetaMask Card:** Sviluppata da Consensys, utilizza come issuer Monavate Limited (un Electronic Money Institution regolamentato nel Regno Unito) su circuito Mastercard. Funziona collegando il wallet MetaMask e spendendo USDC su reti supportate come Linea, Base o Solana. **\* Gnosis Pay**: Basata sull'architettura smart contract di Gnosis Safe, si appoggia sempre a Monavate e a Monerium, un istituto di moneta elettronica islandese che emette la stablecoin EURe e fornisce un IBAN integrato all'utente su circuito Visa. **\* DeGate Card:** Progetto basato su DeGate Wallet e circuito Visa, annunciato per il lancio nel Q3 2026 e attualmente in fase di waitlist. La gestione di compliance e banking è affidata alla fintech Upfinance di Hong Kong, ponendosi geograficamente fuori dal territorio dell'Unione Europea. **Glossario** \* **Common Reporting Standard (CRS):** Standard globale sviluppato dall'OCSE per lo scambio automatico di informazioni sui conti finanziari a livello internazionale, utilizzato dalle autorità fiscali per contrastare l'evasione transfrontaliera. \* **Allowance:** Una funzione tipica degli smart contract (comune sulle reti EVM e compatibili) che autorizza un indirizzo terzo o un protocollo a prelevare una quantità specifica di token da un wallet, senza che l'utente debba cederne la proprietà in anticipo. **- Impatto con l'Agenzia delle Entrate** Per un contribuente con residenza fiscale in Italia, la scelta tra una carta custodial e una self-custody sposta l'asse del monitoraggio fiscale automatico. Se le carte non-custodial (specialmente quelle con emittenti extra-UE come Upfinance per DeGate) riducono drasticamente la probabilità di un reporting automatico immediato verso l'Agenzia delle Entrate tramite CRS, ciò non elimina affatto gli obblighi dichiarativi personali dell'utente. La conversione da criptovaluta o stablecoin a valuta fiat effettuata al millisecondo per pagare un servizio costituisce a tutti gli effetti un atto di disposizione. L'utente italiano è comunque tenuto a monitorare i propri asset finanziari esteri inserendoli nel Quadro W (ex Quadro RW) e a calcolare le eventuali plusvalenze o minusvalenze derivanti dalla conversione al momento della spesa, qualora si superino le soglie previste dalla normativa italiana sui redditi diversi. La self-custody aumenta la privacy nei flussi di dati centralizzati, ma richiede maggiore responsabilità nella contabilità personale. **Fonte e Approfondimenti** \* Articolo completo analizzato su Privacy Toolkit: [https://privacy-crypto.com/guide/crypto-card-e-fisco-differenze-tra-carte-custodial](https://privacy-crypto.com/guide/crypto-card-e-fisco-differenze-tra-carte-custodial) \* Si fa presente che sul sito web sono riportati tutti i link diretti e i dettagli commerciali ai vari prodotti citati nella sezione dedicata: [https://privacy-crypto.com/spend](https://privacy-crypto.com/spend) **Voi quale approccio preferite per spendere i vostri asset digitali nel quotidiano?** Siete orientati verso la comodità e i sistemi di cashback delle carte custodial collegate ai grandi CEX, o state valutando la massima sovranità finanziaria delle nuove carte non-custodial collegate direttamente a MetaMask o Gnosis Safe? Parliamone nei commenti!

Ich nutze GnosisPay. Bekomme aktuell 4% cashback, musste dafür aber für ca 1000€ GNO kaufen (für 3%) und habe 1% extra als early adopter. Es werden maximal 750€ pro Woche für den Cashback berücksichtigt. Man bekommt eine IBAN, auf die man Geld überweisen kann, das dann mit 3 Minuten Verzögerung der Karte gutgeschrieben wird in Form des Monerium-Euro-Stablecoins. Die Karte läuft auf der Gnosis Chain, die eine side chain von Ethereum ist. Man kann den Stablecoin auch on-chain in andere Werte tauschen. Hatte bislang keine Probleme und bin sehr zufrieden.

check gnosis pay. you get your own IBAN an can directly top it up via bank transfer without fees, you can make a bank transfer back into fiat without fees, there are no gas fees, no fx fees and it has one of the best cashback programs available. supports usd, eur and gbp stables + gno/xdai/crc. physical + digital card too. its 100% self custodial and i find gnosis overall to be a rather trustworthy as its "made in germany" and has operational offices mostly in western europe. Its my daily spender since a few months and im very happy with it, never had a situation where the card was rejected, never had my balance frozen. the only downside might be its gnosis chain only, so you might have to bridge your customers payments with cowswap or something once.

The Zeal app is optional, if you already have a wallet can also use that one via app.gnosispay.com for the Zeal app, you just get it from the App Store. you can send CHF to the wallet via MtPelerin (no fees) and it appears in form of ZCHF in your wallet. the other direction works the same. ZCHF you can lock, for 3.5% / year yield, via app.frankencoin.com then, to spend, have to convert ZCHF to EURe, as gnosis pay is based around EURe. fees are low, and the Zeal app can be set up to do that automatically, e.g., that you always have 200 EURe ready for spending cashback is weekly, either in CRC or in GNO, depending on how you sign up. the more you keep the more volume is eligible for cashback. you can also sell it immediately via swap.cow.fi or in the Zeal app.

I’ve been with Gnosis Pay for a year now, used Naga Pay and the god awful Plutus before. I had no issues at all and now have 5% Cashback. Here is my OG Invite which grants you a free card and 10 Euros, which is the most you can get at the moment (may 2026). Each link is one time use so if anyone wants a fresh referral if this one is used just send me a message :). [https://app.gnosis.io/referral/0x0dbd939cec3364ede1d8793c3f3fd4def8a4f1f9d29d586845f0775e10e08e48?utm\_campaign=referral](https://app.gnosis.io/referral/0x0dbd939cec3364ede1d8793c3f3fd4def8a4f1f9d29d586845f0775e10e08e48?utm_campaign=referral) [https://app.gnosis.io/referral/0x327ce79825ece6a8f71e9bcf3ce529193696ee5bade1159027b77b68535297f8?utm\_campaign=referral](https://app.gnosis.io/referral/0x327ce79825ece6a8f71e9bcf3ce529193696ee5bade1159027b77b68535297f8?utm_campaign=referral) [https://app.gnosis.io/referral/0xee46ab512a1e45ae8535cefee657fa4c107b93430f86ced6f00cce8c888d0427?utm\_campaign=referral](https://app.gnosis.io/referral/0xee46ab512a1e45ae8535cefee657fa4c107b93430f86ced6f00cce8c888d0427?utm_campaign=referral) [https://app.gnosis.io/referral/0xbeeb70b3e1a310d42cac05ea9279bdb77d124fb9d2d15719129fd0c3f10d10ba?utm\_campaign=referral](https://app.gnosis.io/referral/0xbeeb70b3e1a310d42cac05ea9279bdb77d124fb9d2d15719129fd0c3f10d10ba?utm_campaign=referral) [https://app.gnosis.io/referral/0x621701202dc9c91b74fba879c6723e524ac3e704b7c781f629dfb5f8aa1e22a8?utm\_campaign=referral](https://app.gnosis.io/referral/0x621701202dc9c91b74fba879c6723e524ac3e704b7c781f629dfb5f8aa1e22a8?utm_campaign=referral) [https://app.gnosis.io/referral/0xe314586d3372a78e588abd23c9109d70c7388a67cdfc8d04aaf3664eacf8914a?utm\_campaign=referral](https://app.gnosis.io/referral/0xe314586d3372a78e588abd23c9109d70c7388a67cdfc8d04aaf3664eacf8914a?utm_campaign=referral) [https://app.gnosis.io/referral/0x7cdc3df7fe9cd70d85d0a3ff88678e7cc3269a57bc175aa7bcb0b501468db823?utm\_campaign=referral](https://app.gnosis.io/referral/0x7cdc3df7fe9cd70d85d0a3ff88678e7cc3269a57bc175aa7bcb0b501468db823?utm_campaign=referral)

Two new things shipped on Rebind this month. **1. Yield boost referrals** * Each active referral adds +0.5% to your savings yield for 30 days * Stack up to 5 active at once → up to +2.5% on top of the base yield * Friend signs up via your link, verifies their account (which gets them an EUR IBAN and a Rebind VISA card), your boost activates * Friend gets a +0.5% Welcome boost on their side * Existing Monerium or Gnosis Pay users can connect their account, verification carries over (no re-KYC) **Find it:** tap the boost icon at the top of your home screen → share your referral link **2. Card receipts and statements** Single transaction: open it in the activity feed → Receipt row → Download. One-page PDF receipt for that purchase. **Full statement:** Card → Settings → Card statement. Pick all-time or a specific date range, export as PDF or CSV. Base EUR yield is currently 5.7%+, so a fully-stacked referral run lands at up to 8.2%+ for 30 days. Happy to answer questions in the comments.

Hey everyone, Welcome to **AMAs** on [r/BASE](https://www.reddit.com/r/BASE/) \- **Base** **Batches Special!** For the next five weeks, our first session in our AMA weekly series will be dedicated to showcasing the projects selected to compete in Base Batches 003, culminating in a finale session with the winner, Base Team, and previous Batches victors. ***Base Batches 003*** *is a high-intensity seven-week accelerator designed to help the next generation of builders scale their startups.* *Out of over 1,100 applicants, 12 teams specializing in DeFi, AI, and prediction markets have been selected to receive dedicated mentorship and funding support, culminating in a live Demo Day in San Francisco on May 19th.* *This cohort represents the cutting edge of the onchain economy, focusing on the apps and protocols that will define the future of Base in 2026.* \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Introducing... # Liminal x 4Mica who will be joining us for our [r/BASE](https://www.reddit.com/r/BASE/) Founders AMA ‘Ask Me Anything’ series, Base Batches 003 Special! **Drop your questions** to find out more about the projects on the road to being the future of Base, and be a part of their journey from the very beginning. \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ **How it Works** Every **Tuesday** and **Thursday** we will be hosting Base founders, projects, and Base team members for a live, interactive session. They will be online and ready to answer any questions and engage in discussion with you, our community members. \- Click **‘remind me’** below to receive notifications for when the AMA goes live \- Join us **tomorrow** at 7**pm UTC** to ask questions, receive answers, and discuss in real time. \- You can also **post a question in advance** in the comments below - make sure to come back to read your reply, ask a follow-up, and engage in the live discussion. We’ve got a great line up for the upcoming weeks, from all corners of the Base ecosystem. (TLDR): * **Founder AMA series**: Week 14 - **Liminal** **x 4Mica** on **Tues May 5 , 7pm UTC** * 👀 Don’t Miss This! 👀 ***Base Mod Team*** \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ https://preview.redd.it/tm4win9596zg1.png?width=1200&format=png&auto=webp&s=9e15df71907399d1fb091846204dd6c3e703d4de # Liminal Hey r/Base 👋 I’m Fifi, co-founder and CEO of **Liminal.** We’re building what we call agentic private banking. Before Liminal, I was a lawyer at cryptodotcom and Gnosis Pay. Jack, my co-founder and CTO, and our two founding engineers came out of Thought Machine, the core banking unicorn that built ledger infrastructure for banks like JPMorgan and Standard Chartered. Between them, they have 15+ years of experience building real banking infrastructure from the inside. The idea behind Liminal is simple: The wealthy have always had private bankers. Someone who understands their full financial picture, answers questions clearly, and actually executes. They open the account, move the money, rebalance the portfolio, and manage the household. Everyone else got apps. Neobanks gave us buttons. Robo-advisors gave us portfolios. Education apps gave us confidence. But almost nobody built a consumer finance product that actually does the work for you. That’s what we’re building. Liminal is a self-custodial, stablecoin-powered financial app with the surfaces a modern household needs: \* High-yield savings on idle balances \* Tokenised US equities with no minimums \* Joint accounts with equal access for both partners \* Multi-currency accounts in USD, GBP, EUR, and BRL \* A debit card, currently in development Every account is non-custodial, which is what lets us build globally without becoming a traditional bank. The interface is conversational. Our agent, Nim, has memory and permissioned read-write access across the Liminal product stack. You can ask it what to do with your money, get an answer based on your full financial context, and then approve execution. Send the rent. Move idle cash into savings. Rebalance a portfolio. Open a joint account. Prepare for an upcoming bill. Move money across currencies. Nim does the work once you approve. We’ve processed over $300k in volume so far and are doubling month-on-month. Ask us anything about: \* Base Batches 003 \* Building an agent that actually moves money and why we called it Nim \* Why the execution gap is the missing piece in consumer finance \* What a real onchain bank looks like (beyond “card + wallet”) \* Building globally without holding customer funds **Fifi** u/Liminal_Finance [becomeliminal.com](http://becomeliminal.com) [becomeliminal.com/download](http://becomeliminal.com/download) \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ # 4Mica Hey r/BASE, 4Mica is next-generation clearing infrastructure for machine commerce. As AI agents become economic actors paying for APIs, data, and compute through protocols like x402, every payment today either settles individually consuming blockspace, or through pre-funded escrows offering zero capital efficiency. 4Mica changes that: agents deposit stablecoin collateral into non-custodial smart contracts, transact instantly through cryptographic guarantees with zero on-chain overhead per request, and settle only net positions in batch after multilateral clearing. Thousands of agent micropayments, one on-chain settlement. Deposited collateral earns DeFi yield while backing payments and is only used on defaults, creating a flywheel that attracts more agents and deepens ecosystem TVL. 4Mica is chain-agnostic and live on testnet. Docs: [https://4mica.xyz/resources/technical-docs](https://4mica.xyz/resources/technical-docs) Demo: [https://www.loom.com/share/99e098b2e2d1496785bddea1252c3a96](https://www.loom.com/share/99e098b2e2d1496785bddea1252c3a96) Ask us about the future of agentic economy, why capital-efficiency is important, and how AI will reshape the future of every major vertical in the market. If not these, feel free to be proactive! **4Mica Team** u/Mairon_4Mica u/AkashMadhusudan4Mica **\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*** **Purpose & Rules** *To keep the focus on building, all participants must adhere to the following rules:* * *Keep it project-focused. Avoid discussions about tokens, tickers, airdrops, APYs, or price speculation.* * *No superlatives. Do not describe any project or product as “the best,” “the fastest,” or “the #1” anything. Let the work speak for itself.* * *No investment advice. Refrain from making investment recommendations or any form of financial claims.* * *No giveaways of value. Do not offer giveaways, prizes of value, mints or contests during your event.* **Mandatory Disclaimer** *"Today's conversation is for informational and educational purposes only. It does not constitute financial, technical, or legal advice. The views expressed are our own and do not represent Base or Coinbase. Nothing shared today should be considered an endorsement or an official statement by us, Base, or Coinbase."*

Helo to All defies, degens, crypto guys and crypto bosses! I use crypto cards for last 2 or even 3 years, so I think I have solid experiecne that I could and WANT to share with you! Why I move to crypto cards? Because I earn in USDT. I do not have always offline crypto exchanges near myself and can not payout crypto into cash at every moment that I want. For such moment I started using crypto cards. My first crypto card was ByBit card, because I used that exchange. While I was travelling in Thailand Bybit blocked my main account (i tried to pay with USDT for rental boat). With my main account it blocked my crypto card., so I stayed in the middle of nowhere without MONEY! It was sucks... Good that I have a wife that do not accept crypto at all, he-he, so we paid with her card after my WEB3 world fallen down. After that, I stopped thinking about cashback percentages and started thinking about who actually holds my funds and do really I have access to my money or jsut someone give me an oppurtunity to use it! So now for me main point of crypto wallet is non-custodial, that is first. Everything else is second. So, which card I tested – KAST, Bybit (I use it, so can give you oppinion), Gnosis Pay, Ready (formerly Argent), COCA. Let’s set aside for a moment the fact that the Bybit card could be blocked at any time and simply analyze it as a service. KAST. didnt spend much time here tbh. supports solana plus a few other chains (eth, polygon, arbitrum). cashback in points and waiting for some TGE, not sure how now, maybe they started to pay? If KAST guys here – share please how cashback working for you now. Physical card starts from $20/year but premium tiers go MUCH higher. Also, main ploblem – it is custodial. fx fees around 2% which eats into any rewards fast. Not for me, passsss Bybit. You know the story. 10% cashback for first month, than only 2%, also custodial, which means your money are on exchanges. Move on Gnosis Pay. Really cool if you’re already in this ecosystem. But, how many of you use Gnosis ecosystem? I doubt... Fully on-chain, cashback in GNO up to 4% (5% if you have their OG NFT). This is minus for me, I prefer cashback in stables, fck native tokens. Free ATM up to €200/month or 5 withdrawals, whichever comes first. The main issue → you have to bridge everything to the Gnosis Chain first. It's not critical, but it quickly starts to get annoying. Also, if you are not a true CRYPTOR, it could be hard... For me it was Ready (Argent). Don't see enough people whotalking about this one. You can borrow against BTC (\~1.6% APR), collateral keeps earning, spend the USDC directly. If you hold BTC and don't want to sell, this is possibly the most underrated setup in this list. Nexo. probably the most underrated card for thosee, who don't want to sell their crypto. Credit mode is real feature here, you spend against your collateral, crypto stays in your portfolio, no taxable event. Cashback up to 2% in NEXO or BTC depending on what you prefer. Main problem — it's custodial. Also, mostly all perks are locked behind NEXO token. You need to buy it and hold to use VIP perks. Also europe only and you need $5k+ on the platform to unlock loyalty tiers. Not for me. COCA. Product that I use till today. For sure not the most sophisticated DeFi product, but it’s much more practical. 15+ networks → no bridging. Cashback in USDC, \~5% APY on the min card or account balance, not sure exactly. 0% FX fees. The physical card cost around $5. It has IBAN, so your salary can be deposited directly, which is honestly a big deal. Also discounts on subs, like youtube, gpt, amazon and etc. And discounts on hotel booking if you book it thorugh coca app. Honorable to mentions – Etherfi. Cashback 3% in wETH, you can convert it into USDC, no staking. Regarding taxes — mostly ALL KYC cards are not safe if you want to avoid taxes. My opinion, do not take A LOT of money on crypto cards. Even if it is non custodial. Ledger and Trezor STILL the best option to HODL. So, what we have: btcfi → Ready (Argent) daily spending with perks → COCA deep into Gnosis → Gnosis Pay KAST and Bybit are custodial → after Thailand, that’s a definite no for me What others cards do you use guys? Interesting in non-custodial products

Neobanks Tier List 🧵 S: @gnosispay: Self-custodial + fiat rails; clean crypto <> fiat bridge with IBAN options, best for EU users. No TX fees. @ether_fi: Most comprehensive spectrum of native yield opportunities + card with cashback & perks. No FX fees in USD. @UR_global: Multi-currency money app with card and off-ramp; great UX and usability with full global banking rail access. Minimal fees. @Thorwallet: Non-custodial wallet with partner Swiss IBAN/card options; great onchain <> banked flow. Minimal fees. A: @plasma: Stablecoin-native neobank concept with running virtual/physical card with 4% cashback & 10% native yield, no IBAN yet. @stables_money: Global USD account for simple top-ups and worldwide easy card spend; strong in the APAC region. @AviciMoney: Full-scale neobank with cheap-tier crypto cards, an internet native trust score, unsecured loans, and home mortgages onchain. Big cook by @RamXBT. @Tap_Fintech: Straightforward app with EU IBAN + UK details and a good card. Average fees, and routing that just works for basic crypto <> fiat moves. @useTria: Self-custodial neobank with great crypto cards and bank connectivity; big potential. IBAN/SWIFT has to roll out soon. @OrbitX_Pay : Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. B: @wirexapp: Veteran player with personal EUR IBAN, card, rewards, and wide country support. Don't like the fee structure. @Fiat24Official: Wallet-linked Swiss IBAN + debit card. Pretty good usability, but the UI is outdated IMO. @plutus: EU IBAN/UK and decent cashback. Great for power users, though many perks can depend on your plan. @KASTcard: Strong global crypto card with high limits. No personal IBAN; conversions are simple, great as a spender, not your full bank. C: @Nexo: Exchange-first app with a card and select EUR IBAN support. Works well inside the Nexo ecosystem, but banking features and fees vary a lot by jurisdiction/tier. @GetPyra: "Spend without selling" UPS using a secured credit line. No IBAN yet; more of a clever credit primitive than a full neobank, but useful for tax optimization. @neobankless: Brazil-first: Pix → USDC global account and a card on the roadmap. No IBAN and card yet live; promising regional play still in early build/coverage mode. D: @cryptocom: centralized exchange app with a popular card with SEPA/transfer support, but requires heavy staking requirements, and has regional shutdowns. @Bybit_Official: Fully custodial with no IBAN available. If you're ok with centralization, this may be for you. What else did I miss? Hope you enjoyed this post and found some new VALUABLE information.

Neobanks Tier List 🧵 S: @gnosispay: Self-custodial + fiat rails; clean crypto <> fiat bridge with IBAN options, best for EU users. No TX fees. @ether_fi: Most comprehensive spectrum of native yield opportunities + card with cashback & perks. No FX fees in USD. @UR_global: Multi-currency money app with card and off-ramp; great UX and usability with full global banking rail access. Minimal fees. @Thorwallet: Non-custodial wallet with partner Swiss IBAN/card options; great onchain <> banked flow. Minimal fees. A: @plasma: Stablecoin-native neobank concept with running virtual/physical card with 4% cashback & 10% native yield, no IBAN yet. @stables_money: Global USD account for simple top-ups and worldwide easy card spend; strong in the APAC region. @AviciMoney: Full-scale neobank with cheap-tier crypto cards, an internet native trust score, unsecured loans, and home mortgages onchain. Big cook by @RamXBT. @Tap_Fintech: Straightforward app with EU IBAN + UK details and a good card. Average fees, and routing that just works for basic crypto <> fiat moves. @useTria: Self-custodial neobank with great crypto cards and bank connectivity; big potential. IBAN/SWIFT has to roll out soon. @OrbitX_Pay : Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. B: @wirexapp: Veteran player with personal EUR IBAN, card, rewards, and wide country support. Don't like the fee structure. @Fiat24Official: Wallet-linked Swiss IBAN + debit card. Pretty good usability, but the UI is outdated IMO. @plutus: EU IBAN/UK and decent cashback. Great for power users, though many perks can depend on your plan. @KASTcard: Strong global crypto card with high limits. No personal IBAN; conversions are simple, great as a spender, not your full bank. C: @Nexo: Exchange-first app with a card and select EUR IBAN support. Works well inside the Nexo ecosystem, but banking features and fees vary a lot by jurisdiction/tier. @GetPyra: "Spend without selling" UPS using a secured credit line. No IBAN yet; more of a clever credit primitive than a full neobank, but useful for tax optimization. @neobankless: Brazil-first: Pix → USDC global account and a card on the roadmap. No IBAN and card yet live; promising regional play still in early build/coverage mode. D: @cryptocom: centralized exchange app with a popular card with SEPA/transfer support, but requires heavy staking requirements, and has regional shutdowns. @Bybit_Official: Fully custodial with no IBAN available. If you're ok with centralization, this may be for you. What else did I miss? Hope you enjoyed this post and found some new VALUABLE information.

Neobanks Tier List 🧵 S: @gnosispay: Self-custodial + fiat rails; clean crypto <> fiat bridge with IBAN options, best for EU users. No TX fees. @ether_fi: Most comprehensive spectrum of native yield opportunities + card with cashback & perks. No FX fees in USD. @UR_global: Multi-currency money app with card and off-ramp; great UX and usability with full global banking rail access. Minimal fees. @Thorwallet: Non-custodial wallet with partner Swiss IBAN/card options; great onchain <> banked flow. Minimal fees. A: @plasma: Stablecoin-native neobank concept with running virtual/physical card with 4% cashback & 10% native yield, no IBAN yet. @stables_money: Global USD account for simple top-ups and worldwide easy card spend; strong in the APAC region. @AviciMoney: Full-scale neobank with cheap-tier crypto cards, an internet native trust score, unsecured loans, and home mortgages onchain. Big cook by @RamXBT. @Tap_Fintech: Straightforward app with EU IBAN + UK details and a good card. Average fees, and routing that just works for basic crypto <> fiat moves. @useTria: Self-custodial neobank with great crypto cards and bank connectivity; big potential. IBAN/SWIFT has to roll soon. @OrbitX_Pay : Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. B: @wirexapp: Veteran player with personal EUR IBAN, card, rewards, and wide country support. Don't like the fee structure. @Fiat24Official: Wallet-linked Swiss IBAN + debit card. Pretty good usability, but the UI is outdated IMO. @plutus: EU IBAN/UK and decent cashback. Great for power users, though many perks can depend on your plan. @KASTcard: Strong global crypto card with high limits. No personal IBAN; conversions are simple, great as a spender, not your full bank. C: @Nexo: Exchange-first app with a card and select EUR IBAN support. Works well inside the Nexo ecosystem, but banking features and fees vary a lot by jurisdiction/tier. @GetPyra: "Spend without selling" UPS using a secured credit line. No IBAN yet; more of a clever credit primitive than a full neobank, but useful for tax optimization. @neobankless: Brazil-first: Pix → USDC global account and a card on the roadmap. No IBAN and card yet live; promising regional play still in early build/coverage mode. D: @cryptocom: centralized exchange app with a popular card with SEPA/transfer support, but requires heavy staking requirements, and has regional shutdowns. @Bybit_Official: Fully custodial with no IBAN available. If you're ok with centralization, this may be for you. What else did I miss? Hope you enjoyed this post and found some new VALUABLE information.

Neobanks Tier List 🧵 S: @gnosispay: Self-custodial + fiat rails; clean crypto <> fiat bridge with IBAN options, best for EU users. No TX fees. @ether_fi: Most comprehensive spectrum of native yield opportunities + card with cashback & perks. No FX fees in USD. @UR_global: Multi-currency money app with card and off-ramp; great UX and usability with full global banking rail access. Minimal fees. @Thorwallet: Non-custodial wallet with partner Swiss IBAN/card options; great onchain <> banked flow. Minimal fees. A: @plasma: Stablecoin-native neobank concept with running virtual/physical card with 4% cashback & 10% native yield, no IBAN yet. @stables_money: Global USD account for simple top-ups and worldwide easy card spend; strong in the APAC region. @AviciMoney: Full-scale neobank with cheap-tier crypto cards, an internet native trust score, unsecured loans, and home mortgages onchain. Big cook by @RamXBT. @Tap_Fintech: Straightforward app with EU IBAN + UK details and a good card. Average fees, and routing that just works for basic crypto <> fiat moves. @useTria: Self-custodial neobank with great crypto cards and bank connectivity; big potential. IBAN/SWIFT has to roll out soon. @OrbitX_Pay : Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. B: @wirexapp: Veteran player with personal EUR IBAN, card, rewards, and wide country support. Don't like the fee structure. @Fiat24Official: Wallet-linked Swiss IBAN + debit card. Pretty good usability, but the UI is outdated IMO. @plutus: EU IBAN/UK and decent cashback. Great for power users, though many perks can depend on your plan. @KASTcard: Strong global crypto card with high limits. No personal IBAN; conversions are simple, great as a spender, not your full bank. C: @Nexo: Exchange-first app with a card and select EUR IBAN support. Works well inside the Nexo ecosystem, but banking features and fees vary a lot by jurisdiction/tier. @GetPyra: "Spend without selling" UPS using a secured credit line. No IBAN yet; more of a clever credit primitive than a full neobank, but useful for tax optimization. @neobankless: Brazil-first: Pix → USDC global account and a card on the roadmap. No IBAN and card yet live; promising regional play still in early build/coverage mode. D: @cryptocom: centralized exchange app with a popular card with SEPA/transfer support, but requires heavy staking requirements, and has regional shutdowns. @Bybit_Official: Fully custodial with no IBAN available. If you're ok with centralization, this may be for you. What else did I miss? Hope you enjoyed this post and found some new VALUABLE information.

Over the past few months I've been maintaining a database of every crypto debit/credit card I could find — 139 of them now, from major exchanges to obscure neobank wrappers. I kept running into the same problem: every card advertises "0% FX fees" on its landing page, but the actual cost of spending abroad is wildly different. So I went through the fee disclosure docs of all 139 and tried to extract the real, total cost of a foreign transaction. Here's what I found. **TL;DR** * Median FX fee across 139 cards: **1.00%** * Average: **1.18%** * Range: **0% to 8%** * 30 cards advertise "0% FX" but **17 of those bury a conversion/spread/stabilization fee** somewhere else * Cheapest cards with no hidden markup: Kraken, MetaMask, Bitpanda, BitPay, Gemini, Deblock * Worst offenders: Kemy (8%), MaxSwap (5%), SolCard Mastercard tier (5% top-up + 2% FX) **The "0% FX" trap — the thing nobody talks about** The dirty trick is that "FX fee" is only one line item. Issuers route the cost through other names: |Card|Advertised|Actual cost per foreign transaction| |:-|:-|:-| |Gnosis Pay / Rebind / Zeal|"0% FX"|\~1.5% stabilization fee on every tx| |1inch Card|"0% FX"|2% "card spend fee" per purchase| |[Crypto.com](http://Crypto.com) Visa|"0% FX markup"|\~0.5% conversion spread on crypto → fiat| |Wayex|"0% FX"|1% crypto-to-AUD on every purchase/ATM| |Bitrefill|"0% on EUR"|1.99% conversion if you fund with crypto| |Avici|"0% Avici fee"|Visa's 0.4-1% cross-border fee still applies| |Wirex|"0% FX all tiers"|Spread on crypto-to-fiat conversion| |Bybit|"0.5% in EEA"|**7% in Argentina**, 2% APAC, 1.5% Brazil| That last one is important — Bybit's "0.5%" headline only applies to EEA / Switzerland / Mexico. If you live in Argentina, you pay 7%. Same card, same issuer, 14x the fee based on your passport. The landing page doesn't tell you this. **Cards that actually charge \~0% (as far as I can verify)** These have no hidden spread, no "conversion" euphemism, no regional gotcha I could find: 1. **Kraken Card** — 0% FX, 0% annual. Only cost is the crypto conversion spread at checkout, which is visible before you tap. 2. **MetaMask Card** — 0% foreign, Mastercard standard rates only. 3. **Bitpanda Card** — 0% markup, pure Visa network rates. 4. **Gemini Credit Card** — 0% foreign (2.49% only applies to crypto purchases on the card, not fiat transactions). 5. **Deblock Card** — 0% advertised, no bank charge, instant exchange built-in. 6. **BitPay Card** — 0% foreign, standard Mastercard conversion. 7. **Pyra Card** — genuinely zero on everything (no spend/top-up/signup/liquidation fees). **Methodology caveats before you crucify me** * I parsed the **first numeric FX figure** from each card's disclosed fee text. Some cards have tiered pricing (Wise: 0.33-3.5% depending on currency) and I took the low end. So my median is probably **optimistic**. * 30 of the 139 cards either don't disclose FX clearly or use the word "spread" without a number. I excluded those from the averages. * Bitpanda, Kraken etc. still pay the **network** (Visa/Mastercard) cross-border fee of \~0.4-1%. They just don't add their own markup on top. When I say "0%" I mean "no issuer markup". * Fees change. This snapshot is April 2026. **What surprised me most** It wasn't the 8% card (Kemy is small, you'd expect it). It was **Bybit** — a top-5 exchange — charging 14x more in Argentina than in the EU for the same product. And **Gnosis Pay** (and its white-label wrappers Rebind/Zeal/Picnic) marketing "0% FX" while taking 1.5% on every transaction under the name "stabilization fee". That's the same fee by a different name. The "best crypto card" depends entirely on where you live and whether you read the fee disclosure, not the landing page. The rankings in most "top 10 crypto cards" articles rank by **cashback** and ignore FX entirely, which is backwards for anyone who actually spends abroad.

Non Custodial Crypto cards Comparison :: 1) Top Non Custodial Solana Cards Solflare Card: A partnership with Mastercard that allows users to spend USDC directly from their Solflare wallet. It is touted as a "true" self-custody card with features like biometrics and real-time transaction alerts. Solayer Emerald Card: Built on Solayer’s InfiniSVM infrastructure, this card allows users to spend assets directly from SVM wallets (like Phantom, Backpack, Solflare). It works in over 100 countries and supports mobile payments. Zebec Card: A Solana-based, privacy-focused card offering up to $10,000 daily spending limits without requiring ID verification for U.S. residents, allowing direct crypto-to-fiat usage. 2) Other Top Non Custodial Crypto Cards HolyHeld : Non custodial card with FX fees for non EU payments, Cashback is 0.50%. It is still the card which processes most txs volume and offers the best UX and customer support. The downside is no yield options, but maybe this will come soon. If you are an EU user and do not necessarily need integrated yield, this is the card to get. Gnosis Pay : The other mastodon in the room. You will get an overall very good experience with integrated yield AAVE and automatic top ups. The 3rd party mobile app by Zeal is OK, but their support was slow and not very useful in my experience. You get good cashback, however, it is capped and tied to depositing $GNO. They are currently revamping the program so rewards/caps are likely to change. Overall, this is a very good card, Aave + cashback is nice, and there are no FX fees! Be aware that all your transactions are on the blockchain and can in theory be tied to your persona. BrahmaFi : It is an exciting new card which is available in many more jurisdictions. The main benefit is a direct integration with Euler finance, AAVE and HypurrFi enabling you to spend against your lend balance!!! This is yuge! Love it. However, there is no cashback, you pay FX fees (non USD) and a 0.50% service fee on top. There is also no mobile app (yet). Nevertheless, I love the direction the Brahma team is going, and while this is not my main card, I still use it to show my support. Also here your txs are public! BleapApp : Another EU based card issued by former Revolut guys. It's a mix of Holyheld and Gnosis. It has no FX fees, cashback (cap at $10/m) and yield via AngleProtocol While it does a lot of things right, and I have used it as my main driver for a few months, I do not see it gaining traction. Coupled with the very slow support I cannot recommend it as someones main card. OrbitX Pay : Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. Ready : A card by Starknet, another new card, born from and supported by the Starknet Foundation . Likely the most attractive card right now, if you pay $90 for the metal card. You get 3% cashback up to $150/m, no FX fees and integrated yield options. Txs public but bundled and hence at least obfuscated. If you used any of the above cards, please share your review and also do let me know if i missed any better card in this list.

Non Custodial Crypto cards; A hot take My circle and I have been using these non custodial crypto cards which i really believe are hot. 💳 HolyHeld Non custodial card with FX fees for non EU payments, Cashback is 0.50%. It is still the card which processes most txs volume and offers the best UX and customer support. The downside is no yield options, but maybe this will come soon. If you are an EU user and do not necessarily need integrated yield, this is the card to get. 💳 Gnosis Pay The other mastodon in the room. You will get an overall very good experience with integrated yield AAVE and automatic top ups. The 3rd party mobile app by Zeal is OK, but their support was slow and not very useful in my experience. You get good cashback, however, it is capped and tied to depositing $GNO. They are currently revamping the program so rewards/caps are likely to change. Overall, this is a very good card, Aave + cashback is nice, and there are no FX fees! Be aware that all your transactions are on the blockchain and can in theory be tied to your persona. 💳 BrahmaFi Is an exciting new card which is available in many more jurisdictions. The main benefit is a direct integration with Euler finance, AAVE and HypurrFi enabling you to spend against your lend balance!!! This is yuge! Love it. However, there is no cashback, you pay FX fees (non USD) and a 0.50% service fee on top. There is also no mobile app (yet). Nevertheless, I love the direction the Brahma team is going, and while this is not my main card, I still use it to show my support. Also here your txs are public! 💳 BleapApp Another EU based card issued by former Revolut guys. It's a mix of Holyheld and Gnosis. It has no FX fees, cashback (cap at $10/m) and yield via AngleProtocol While it does a lot of things right, and I have used it as my main driver for a few months, I do not see it gaining traction. Coupled with the very slow support I cannot recommend it as someones main card. 💳 OrbitX Pay Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. 💳 Ready by Starknet Another new card, born from and supported by the Starknet Foundation . Likely the most attractive card right now, if you pay $90 for the metal card. You get 3% cashback up to $150/m, no FX fees and integrated yield options. Txs public but bundled and hence at least obfuscated. P.S. I did not mention CEX cards cause they are cunts. Don't use CEX. Bye.

Non Custodial Crypto cards; A hot take My circle and I have been using these non custodial crypto cards which i really believe are hot. 💳 HolyHeld Non custodial card with FX fees for non EU payments, Cashback is 0.50%. It is still the card which processes most txs volume and offers the best UX and customer support. The downside is no yield options, but maybe this will come soon. If you are an EU user and do not necessarily need integrated yield, this is the card to get. 💳 Gnosis Pay The other mastodon in the room. You will get an overall very good experience with integrated yield AAVE and automatic top ups. The 3rd party mobile app by Zeal is OK, but their support was slow and not very useful in my experience. You get good cashback, however, it is capped and tied to depositing $GNO. They are currently revamping the program so rewards/caps are likely to change. Overall, this is a very good card, Aave + cashback is nice, and there are no FX fees! Be aware that all your transactions are on the blockchain and can in theory be tied to your persona. 💳 BrahmaFi Is an exciting new card which is available in many more jurisdictions. The main benefit is a direct integration with Euler finance, AAVE and HypurrFi enabling you to spend against your lend balance!!! This is yuge! Love it. However, there is no cashback, you pay FX fees (non USD) and a 0.50% service fee on top. There is also no mobile app (yet). Nevertheless, I love the direction the Brahma team is going, and while this is not my main card, I still use it to show my support. Also here your txs are public! 💳 BleapApp Another EU based card issued by former Revolut guys. It's a mix of Holyheld and Gnosis. It has no FX fees, cashback (cap at $10/m) and yield via AngleProtocol While it does a lot of things right, and I have used it as my main driver for a few months, I do not see it gaining traction. Coupled with the very slow support I cannot recommend it as someones main card. 💳 OrbitX Pay Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. 💳 Ready by Starknet Another new card, born from and supported by the Starknet Foundation . Likely the most attractive card right now, if you pay $90 for the metal card. You get 3% cashback up to $150/m, no FX fees and integrated yield options. Txs public but bundled and hence at least obfuscated. P.S. I did not mention CEX cards cause they are cunts. Don't use CEX. Bye.

Non Custodial Crypto cards; A hot take My circle and I have been using these non custodial crypto cards which i really believe are hot. 💳 HolyHeld Non custodial card with FX fees for non EU payments, Cashback is 0.50%. It is still the card which processes most txs volume and offers the best UX and customer support. The downside is no yield options, but maybe this will come soon. If you are an EU user and do not necessarily need integrated yield, this is the card to get. 💳 Gnosis Pay The other mastodon in the room. You will get an overall very good experience with integrated yield AAVE and automatic top ups. The 3rd party mobile app by Zeal is OK, but their support was slow and not very useful in my experience. You get good cashback, however, it is capped and tied to depositing $GNO. They are currently revamping the program so rewards/caps are likely to change. Overall, this is a very good card, Aave + cashback is nice, and there are no FX fees! Be aware that all your transactions are on the blockchain and can in theory be tied to your persona. 💳 BrahmaFi Is an exciting new card which is available in many more jurisdictions. The main benefit is a direct integration with Euler finance, AAVE and HypurrFi enabling you to spend against your lend balance!!! This is yuge! Love it. However, there is no cashback, you pay FX fees (non USD) and a 0.50% service fee on top. There is also no mobile app (yet). Nevertheless, I love the direction the Brahma team is going, and while this is not my main card, I still use it to show my support. Also here your txs are public! 💳 BleapApp Another EU based card issued by former Revolut guys. It's a mix of Holyheld and Gnosis. It has no FX fees, cashback (cap at $10/m) and yield via AngleProtocol While it does a lot of things right, and I have used it as my main driver for a few months, I do not see it gaining traction. Coupled with the very slow support I cannot recommend it as someones main card. 💳 OrbitX Pay Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. 💳 Ready by Starknet Another new card, born from and supported by the Starknet Foundation . Likely the most attractive card right now, if you pay $90 for the metal card. You get 3% cashback up to $150/m, no FX fees and integrated yield options. Txs public but bundled and hence at least obfuscated. P.S. I did not mention CEX cards cause they are cunts. Don't use CEX. Bye.

Non Custodial Crypto cards; A hot take My circle and I have been using these non custodial crypto cards which i really believe are hot. 💳 HolyHeld Non custodial card with FX fees for non EU payments, Cashback is 0.50%. It is still the card which processes most txs volume and offers the best UX and customer support. The downside is no yield options, but maybe this will come soon. If you are an EU user and do not necessarily need integrated yield, this is the card to get. 💳 Gnosis Pay The other mastodon in the room. You will get an overall very good experience with integrated yield AAVE and automatic top ups. The 3rd party mobile app by Zeal is OK, but their support was slow and not very useful in my experience. You get good cashback, however, it is capped and tied to depositing $GNO. They are currently revamping the program so rewards/caps are likely to change. Overall, this is a very good card, Aave + cashback is nice, and there are no FX fees! Be aware that all your transactions are on the blockchain and can in theory be tied to your persona. 💳 BrahmaFi Is an exciting new card which is available in many more jurisdictions. The main benefit is a direct integration with Euler finance, AAVE and HypurrFi enabling you to spend against your lend balance!!! This is yuge! Love it. However, there is no cashback, you pay FX fees (non USD) and a 0.50% service fee on top. There is also no mobile app (yet). Nevertheless, I love the direction the Brahma team is going, and while this is not my main card, I still use it to show my support. Also here your txs are public! 💳 BleapApp Another EU based card issued by former Revolut guys. It's a mix of Holyheld and Gnosis. It has no FX fees, cashback (cap at $10/m) and yield via AngleProtocol While it does a lot of things right, and I have used it as my main driver for a few months, I do not see it gaining traction. Coupled with the very slow support I cannot recommend it as someones main card. 💳 OrbitX Pay Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. 💳 Ready by Starknet Another new card, born from and supported by the Starknet Foundation . Likely the most attractive card right now, if you pay $90 for the metal card. You get 3% cashback up to $150/m, no FX fees and integrated yield options. Txs public but bundled and hence at least obfuscated. P.S. I did not mention CEX cards cause they are cunts. Don't use CEX. Bye.

I second the Gnosis card. You can get 2-3-4% cashback depending on how much GNO you hold. I think you need less than 1K USD in GNO to get 3% cashback now. A potential drawback for people is that you need to bridge funds to Gnosis chain, buy EURe and send it to your wallet. So some wallet/DeFi experience is recommended. Bybit card also works, but you don't get the same cashback. And the funds are then held on an exchange. Easier, but not to everyone's liking

Non Custodial Crypto cards; A hot take My circle and I have been using these non custodial crypto cards which i really believe are hot. 💳 HolyHeld Non custodial card with FX fees for non EU payments, Cashback is 0.50%. It is still the card which processes most txs volume and offers the best UX and customer support. The downside is no yield options, but maybe this will come soon. If you are an EU user and do not necessarily need integrated yield, this is the card to get. 💳 Gnosis Pay The other mastodon in the room. You will get an overall very good experience with integrated yield AAVE and automatic top ups. The 3rd party mobile app by Zeal is OK, but their support was slow and not very useful in my experience. You get good cashback, however, it is capped and tied to depositing $GNO. They are currently revamping the program so rewards/caps are likely to change. Overall, this is a very good card, Aave + cashback is nice, and there are no FX fees! Be aware that all your transactions are on the blockchain and can in theory be tied to your persona. 💳 BrahmaFi Is an exciting new card which is available in many more jurisdictions. The main benefit is a direct integration with Euler finance, AAVE and HypurrFi enabling you to spend against your lend balance!!! This is yuge! Love it. However, there is no cashback, you pay FX fees (non USD) and a 0.50% service fee on top. There is also no mobile app (yet). Nevertheless, I love the direction the Brahma team is going, and while this is not my main card, I still use it to show my support. Also here your txs are public! 💳 BleapApp Another EU based card issued by former Revolut guys. It's a mix of Holyheld and Gnosis. It has no FX fees, cashback (cap at $10/m) and yield via AngleProtocol While it does a lot of things right, and I have used it as my main driver for a few months, I do not see it gaining traction. Coupled with the very slow support I cannot recommend it as someones main card. 💳 OrbitX Pay Rather new entrant to the space. They now have the best Web3 Payment Card - Powered by Visa with 0% Deposit Fees , Lowest Forex Fees, Visa Platinum/Signature Card , No Hidden Cost, Instant Conversion , No Limit on Spending , Refer & Earn Benefits, still no cashback, no yield though but its in pipeline as per latest AMAs They do have a nice UI, I must say. 💳 Ready by Starknet Another new card, born from and supported by the Starknet Foundation . Likely the most attractive card right now, if you pay $90 for the metal card. You get 3% cashback up to $150/m, no FX fees and integrated yield options. Txs public but bundled and hence at least obfuscated. P.S. I did not mention CEX cards cause they are cunts. Don't use CEX. Bye.

[release header for 1.42.0. Featured new protocols, morpho, kraken futures, Lido CMS, monerium on base and multiple improvements for the history events](https://preview.redd.it/82deolvkt7og1.png?width=3520&format=png&auto=webp&s=df58cf355f512c56e394b7c77629ece9660597d7) A major feature release with 592 commits from 19 contributors with the following highlights: - 🔗 **Asset Movement Matching** Transfers between exchanges and onchain are now automatically matched into a single coherent movement. If something can’t be paired automatically, you’ll see an Action Needed dialog to manually match or ignore it. - ⏳ **Redesigned history sync progress** Clear, real-time visibility into chain queries, decoding, exchange syncing, and cache updates. - 🔁 **Duplicate event detection** After redecoding, rotki detects duplicated customized events and helps you resolve them (manual / auto-fix / mark non-duplicate). - 🐛 **In-app issue reporting** Report bugs or give feedback directly via Help & Support → Report Issue. - 🆕 **New & expanded support** Superfluid, Morpho (more chains), StakeDAO V2, Lido CSM, Kraken Futures balances, Monerium Base decoding, MintClub Base claims, Safe upgrades, Gnosis Pay merchant icons. - 🇷🇺 **Russian localization now available**. This is just some of the things in 1.42. For a full changelog: 👉 [https://github.com/rotki/rotki/releases/tag/v1.42.0](https://github.com/rotki/rotki/releases/tag/v1.42.0) Download: 👉 [https://rotki.com/download](https://rotki.com/download) We want to **sincerely thank our sponsors** who made this release possible: 🥇 Gold jespow.eth (x2) 🥈 Silver 我喜歡大奶.eth, mem.eth 🥉 Bronze flyguy.eth, isidoros.eth, lightwalker.eth, caldonia.eth, mem.eth And a very big thank you to **all rotki premium subscribers**. We’re in a tough market and independent, privacy focused software feels that pressure too. If you rely on rotki and want it to keep improving without compromising on privacy and local-first principles, upgrading to premium or renewing your subscription directly supports continued development. Sponsor the next release: 👉 [https://rotki.com/sponsor/mint](https://rotki.com/sponsor/mint) Get rotki premium: 💎 [https://rotki.com/products/](https://rotki.com/products/)

https://gnosispay.com/rewards Тука е описано всичко от старите правила, но реално взимаш OG статус ако изхарчиш еднократно повече от 700€ с картата в период от 30 дена. Тогава ти дава +1%. Новите правила са тук: https://help.gnosispay.com/hc/en-us/articles/40288567337876-Intermediary-Cashback-Programme това е валидно до 31 март. Взимане на OG статус: https://help.gnosispay.com/hc/en-us/articles/39885383103380-Gnosis-Pay-OG-NFT От 31 март влиза нова програма с която лимитите се вдигат и реално максимума е ~ 40€ седмично, даже да държиш само 1 GNO токън. Реално схемата е: пращаш си евра от револют в картата без никаква такса и плащаш с нея. Или физическа или Apple Pay. 3DS е със SMS, което е малко тъпо но работи. Парите пристигат на момента със SEPA Instant transfer. Има 3 минути период на изчакване. Картата може да се мениджва от Zeal App приложение или app.gnosis.io (beta) от 31 март, или app.gnosispay.com стара платформа за десктоп. Кешбека си го изкарваш със 3 клика и зарежда картата с Euro. За по напреднали ако разбирате какво правите може и да се комбинира AAVE EURC staking 3.4% лихва + card auto recharge с кешбек max 5% което ви дава макс 8.4%.