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DeFi maxiXfers Pte. Ltd (StraitsX)visa● Live

BasedApp Card

Hybrid-custody Visa debit card for spending stablecoins from Solana, Arbitrum, and Polygon networks.

BasedApp provides a Visa prepaid debit card for crypto holders to spend stablecoins like USDC or XSGD at Visa-accepting merchants. Users top up with supported crypto and spend directly, bypassing traditional banking.

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Best for

Hyperliquid traders spending USDC from Solana, Arbitrum, or Polygon with gasless deposits.

Skip if

You need Apple Pay, ATM withdrawals, or live in the US or Singapore.

Network
visa
Custody
hybrid
KYC
full
Max cashback
1.5%
Min monthly fee
$8.33
Apple Pay
No
Google Pay
Yes
Physical card
Yes

The verdict

What we like
  • Gasless deposits for crypto top-ups.
  • Supports deposits from Solana, Arbitrum, and Polygon.
  • $100 fee for Hype Card with $90,000 monthly limit.
  • Available in 160+ countries.
  • Non-custodial wallet for primary crypto holdings.
Watch outs
  • Singapore services discontinued Nov 2025.
  • No confirmed Apple Pay support.
  • 14-day delay for rewards points crediting.
  • 1% crypto-to-fiat conversion fee on all tiers.
  • Hype Card has a $100 fee and a 1% FX fee.
  • Hybrid custody: non-custodial wallet, but custodial Fireblocks account for card funds.
  • Supports gasless USDC deposits from Solana, Arbitrum, and Polygon networks.

Basic information

{"card_name":"BasedApp Visa Debit Card","card_network":"Visa","card_type":"Prepaid Debit","card_issuer":"Xfers Pte. Ltd (StraitsX)","card_format":"Both physical and virtual cards available","availability":"Available in 160+ countries worldwide, excluding the US, Mainland China, and other restricted jurisdictions."}

Spending & ATM limits

Notes
Standard Card had S$3,000 daily (~$2,200 USD) limit
Atm Daily
Not supported
Atm Monthly
Not supported
Daily Spending
Up to $30,000 USD (Gold Card)
Monthly Spending
$90,000 USD (Hype Card)

Rewards

Availability

Available in 184 countries. Restricted in 13 countries including United States, Mainland China, and sanctioned countries. Legacy cards were limited to Singapore (ending Nov 2025), Hong Kong, Malaysia. Hype Card available in 160+ countries (excl. US, Mainland China).

Top-up & funding

  • USDC (Solana, Arbitrum, Polygon, Hyperliquid)
  • XSGD (Polygon)
  • SOL (Solana)

Deposits are settled instantly into card balance

Security & custody

  • Card freeze/unfreeze functionality
  • Transaction notifications
  • EMV chip for secure transactions
  • 3-D Secure for online payments
  • Visa Zero Liability protection for unauthorized transactions
  • MPC (multi-party computation) technology for secure key management

Risk note. If the provider disappears, users retain access to their non-custodial wallet assets but may lose funds held in the custodial card account. Card funds are not covered by government deposit insurance.

Mobile wallets

Apple Pay Not supported
Google Pay Supported
Samsung Pay—

Card tiers

Standard Card (Legacy - Discontinued)

Cashback
4 points per USD (8 on subscriptions) - ~0.3-1% effective
Card material
Plastic with orange design
ATM free
Not supported
Issuance fee
$30 USD annual fee + $70 USD physical card (annual fee waived for Singapore residents)
Requirements
Singapore, Hong Kong, Malaysia residents only
  • Card replacement: $70 USD
  • Foreign transaction fee: 1.5%

Gold Card (Legacy - Discontinued)

Cashback
6 points per USD (12 on subscriptions) - up to ~1.5% effective
Card material
Premium stainless steel (20g) with gold-polished mirror finish
FX free limit
0% foreign transaction fees
ATM free
Not supported
Issuance fee
$1,499 initial fee (includes first year)
Requirements
100+ countries worldwide (excluding US, China, and ~80 restricted jurisdictions)
  • Annual renewal: $550 USD (after first year)
  • Card replacement: $200 USD
  • Priority Pass: 8 complimentary airport lounge visits per year (max 2 per quarter)
  • Subscription rebates: Up to $20 USD monthly on Netflix, Spotify, YouTube Premium, etc.
  • Conference rebate: Up to $200 USD annual rebate on one crypto conference ticket
  • Daily spending limit: Up to $30,000 USD
  • Free international delivery (registered mail)
  • Personalized limited-edition design

Hype Card (Current)

Cashback
TBD
Card material
TBD
ATM free
Not supported
Monthly limit
$90,000 USD
Issuance fee
$100 USD
Requirements
160+ countries (excluding US, Mainland China)
  • Foreign transaction fee: 1%
  • International shipping included
  • Virtual card issued instantly upon KYC approval

Banking services

Direct bank deposit feature planned but not currently enabled

What users say

No public user ratings available yet. Support rated 9/10 in independent reviews with response times typically under an hour.

Risks & limitations

Risks
  • RegulatoryBasedApp withdrew its Payment Services Act (PSA) license application with the Monetary Authority of Singapore and subsequently exited the Singapore card services market
  • CounterpartyCard funds are held in segregated custodial accounts - if provider disappears, users may lose access to card funds (though wallet assets remain accessible)
  • MarketSingapore market exit created disruption for local users who were required to close cards and withdraw funds within tight deadlines
Limitations
  • majorNo ATM withdrawal functionality on any tier
  • majorSingapore card services discontinued (November 2025)
  • moderateNo Apple Pay support currently available (conflicting information in official sources)
  • moderateWithdrawal functionality remains limited (not currently enabled)
  • minorCard portfolio funds cannot be converted into the trading wallet
  • minor14-day delay for points crediting after card spend
  • minorLimited cryptocurrency support focused primarily on stablecoins
  • moderateLegacy Gold Card had high entry cost ($1,499 initial fee)

Latest updates

  1. September 1, 2025
    BasedApp discontinuing Singapore Visa card services
    BasedApp has announced it will discontinue its Visa card services in Singapore, effective November 15, 2025

Roadmap

Recently shipped
  • Singapore card services discontinued November 2025
  • New Hype Card tier launched
  • iOS app now available on Apple App Store
  • Transitioning to new Hype Card under Based.one
Planned
  • Withdrawal functionality to move funds from card back to crypto or bank
  • Direct bank deposit feature
  • Multi-currency accounts
  • Apple Pay full functionality (targeted Q4 2025)

Best suited for

Stablecoin holders who want a frictionless way to spend their digital assets in everyday life without converting back to traditional banking, international crypto users across 160+ countries who need global spending capabilities, and active Hyperliquid traders who want to easily spend their trading profits.

Our verdict

BasedApp has established itself as an innovative crypto card solution that effectively bridges the gap between cryptocurrency holdings and real-world spending, though it has undergone significant changes in late 2025. The platform stands out for its user-friendly approach to crypto spending, offering gasless deposits, no top-up fees, multi-network support (Solana, Arbitrum, Polygon, Hyperliquid), and competitive conversion rates that make it cost-effective compared to many alternatives.

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