FNT Crypto Card
MastercardhybridKYC: required
2.5 / 5
Net Reward0.0
Availability2.0
Custody & Risk3.5
Features4.0
The FNT Crypto Card is a prepaid Mastercard designed for crypto users seeking seamless conversion of digital assets to fiat for everyday spending. It enables instant crypto-to-euro top-ups, supporting 14+ cryptocurrencies and 8+ blockchain networks, with both physical cards (in 31 European countries) and virtual cards (global, except restricted regions).
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Slug: fnt-crypto-card
Our Verdict
European Crypto Enthusiasts who want to utilize digital assets in daily life, Frequent European Travelers who appreciate zero FX fees, FNTIO Token Holders who can maximize benefits through the tiered membership system, Crypto Projects seeking white-label card solutions, and Telegram-Centric Users who value seamless integration.
Pros and cons
Pros
- Zero transaction fees on purchases and no FX markups in native currency
- Tiered membership system offering substantial discounts (up to 40%)
- Support for multiple blockchain networks provides flexibility and potential fee savings
- Seamless Telegram integration simplifies the user experience
- White-label capability enables partner-branded cards
Cons
- 2% top-up fee represents the main cost of using the service
- Monthly (€15) or annual (€150) maintenance fees may apply
- Geographic availability currently limited to Europe for physical cards
- Benefits heavily tied to FNTIO token holdings
- Cashback program details not clearly specified
- Dedicated mobile apps still in development
Supported chains
BitcoinEthereumPolygonSolana
Supported cryptos
BNBBTCETHSOLUSDCUSDT
Fees
Annual: €150/year (alternative to monthly fee)
Monthly: €15/month (verify in app/ordering flow)
Issuance: €32 (Physical) / €10 (Virtual) - reduced by tier discounts (10-40%)
Crypto To Fiat: 2% (at top-up)
Purchase Transaction: 0%
Key Features
- Zero transaction fees and no foreign exchange markups in native currency (EUR)
- Tiered membership system with 10-40% fee discounts based on FNTIO token holdings
- Supports 14+ cryptocurrencies across 8+ blockchain networks
- Available as both physical (€32) and virtual (€10) cards
- White-label capability for partner-branded cards
- Seamless integration with Apple Pay and Google Pay
- Comprehensive Telegram mini-app for complete card management
- Operates on Swiss financial infrastructure with regulatory compliance
Limitations
- 2% top-up fee when converting crypto to fiat (reduced with higher tiers)
- Physical cards limited to 31 European countries (EU/EEA plus Switzerland)
- Benefits heavily tied to FNTIO token holdings
- Monthly (€15) or annual (€150) maintenance fees may apply
- Dedicated mobile apps still in development (scheduled for Q3 2025)
- Cashback program details not clearly specified
- Some merchants may not accept prepaid cards for certain transactions (hotels, car rentals)
- Cannot convert fiat balance back to crypto through FNT
Risks
- CounterpartyFiat card balance may be lost if provider disappearsIf provider disappears, unconverted crypto remains with user; fiat card balance may be lost
- MarketBenefits heavily tied to FNTIO token holdings - token value fluctuation affects tier benefitsBenefits heavily tied to FNTIO token holdings
Rewards & Cashback
Notes: Cashback is referenced as a tier-based benefit in official materials, though specific rates and availability details are not clearly specified
Cashback Rate: Tier-based cashback benefits referenced in official materials (availability and rates unclear)
Eligibility Requirements: FNTIO token holdings determine tier and benefits
Spending Limits
Notes: VIP card (upcoming) will have €50,000/day and €250,000/month limits
Daily Spending: €10,000 (Physical) / €5,000 (Virtual)
Monthly Spending: €20,000 combined
Top-Up Methods
Crypto (14+ cryptocurrencies)FNT web platformTelegram mini-app
Processing Time: Instant crypto-to-fiat conversion
Credit & Loan Products
Loan Products
Crypto Credit Line (planned Q3 2025) - ability to use crypto as collateral for a flexible credit line, tied to LTV
Crypto Credit Cards planned launch in Q3 2025 alongside LTV functionality
Security Features
Features: Two-factor authentication,Ability to freeze cards via app,EMV chip security for physical cards,Segregated accounts for fiat balances
Mobile Wallet Support
Apple PayGoogle PayiOS (closed beta, Q3 2025)Android (closed beta, Q3 2025)Telegram mini-appWeb platform
Best For
European Crypto Enthusiasts who want to utilize digital assets in daily life, Frequent European Travelers who appreciate zero FX fees, FNTIO Token Holders who can maximize benefits through the tiered membership system, Crypto Projects seeking white-label card solutions, and Telegram-Centric Users who value seamless integration.
Custody Model
hybridUsers control crypto private keys until initiating a card top-up. Upon top-up, crypto is converted to fiat and held by the platform (custodial). Fiat balances held by the issuing e-money institution in segregated accounts as required by EU regulations.
Risk: If provider disappears, unconverted crypto remains with user; fiat card balance may be lost.
Card Issuer & Compliance
Issuer Name: Global Unit Pay (GUP-CH AG)
Kyc Required: true
Issuer License: Swiss-registered financial intermediary affiliated with SO-FIT, a self-regulatory organization recognized by FINMA under the Swiss Anti-Money-Laundering Act
Platform Licenses: SO-FIT (FINMA-recognized SRO)
Availability
Physical cards in 31 European countries (EU/EEA plus Switzerland); virtual cards available globally except restricted regions. Notable exclusions: United Kingdom and United States.
Card Tiers
Basic
PhysicalStandard plastic
0 FNTIO
Fees
Issuance: €32 (Physical) / €10 (Virtual)
Top-up: 2%
Monthly: €15/month or €150/year
Monthly Limit: €20,000
MastercardApple PayGoogle Pay
Basic access to card system€10,000/day (physical)€5,000/day (virtual)
Silver
PhysicalStandard (silver-themed)
1,000 FNTIO
Fees
Issuance: 10% discount on €32/€10
Top-up: 1.8% (10% discount on 2%)
Monthly: €15/month or €150/year
Monthly Limit: €20,000
MastercardApple PayGoogle Pay
10% referral rewards10% trading fee discount10% staking yield bonus
Gold
PhysicalStandard (gold-colored)
10,000 FNTIO
Fees
Issuance: 20% discount on €32/€10
Top-up: 1.6% (20% discount on 2%)
Monthly: €15/month or €150/year
Monthly Limit: €20,000
MastercardApple PayGoogle Pay
20% referral rewards20% trading fee discount20% staking yield bonus
Platinum
PhysicalPremium design
50,000 FNTIO
Fees
Issuance: 30% discount on €32/€10
Top-up: 1.4% (30% discount on 2%)
Monthly: €15/month or €150/year
Monthly Limit: €20,000
MastercardApple PayGoogle Pay
30% referral rewards30% trading fee discount30% staking yield bonus
Black
PhysicalPremium (possibly metal)
100,000 FNTIO
Fees
Issuance: 40% discount on €32/€10
Top-up: 1.2% (40% discount on 2%)
Monthly: €15/month or €150/year
Monthly Limit: €20,000 (eligible for upcoming VIP card with €250,000/month)
MastercardApple PayGoogle Pay
40% referral rewards40% trading fee discount40% staking yield bonusEligible for upcoming VIP card with higher limits
Token Economics
FNTIO
Fee Discounts by Token Holdings
0 tokens0% off
1,000 tokens10% off
10,000 tokens20% off
50,000 tokens30% off
100,000 tokens40% off
Staking APY
N/A (no forced lock-up)10-40% staking yield bonus based on tier APY
Referral: 10-40% commission on referral activities depending on tier
User Ratings
No public user ratings available yet
Roadmap & Updates
Expansion: Latin America and South Asia expansion in Q2 2025
Planned Features:
- VIP Card Program with higher limits (€50,000/day, €250,000/month)
- Crypto Credit Line (Q3 2025)
- Crypto Credit Cards (Q3 2025)
- Gamified Rewards with in-app quests and FUNT token rewards
- Dedicated iOS and Android apps (Q3 2025)
Conclusion
The FNT Crypto Card successfully bridges the gap between cryptocurrency holdings and everyday spending with a straightforward, compliance-focused approach. Its standout features include zero transaction fees, no FX markups when spending in the card's native currency, and a comprehensive membership tier system that rewards loyal users with substantial discounts of up to 40% on card purchase and top-up fees. However, users should carefully consider the total cost of ownership, which includes the 2% top-up fee plus potential monthly or annual maintenance fees. Geographic availability is currently restricted to Europe for physical cards, and the membership tier benefits are heavily tied to FNTIO token holdings. For European crypto enthusiasts who want to utilize their digital assets in daily life and are willing to hold FNTIO tokens to maximize benefits, the FNT Crypto Card offers a compelling solution.
Card launched: Q3–Q4 2024
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