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DeFi maxiLead Bank (Missouri-chartered bank)visa● Live

Fuse Card

Non-custodial Visa debit card for spending USDC on Solana via Apple Pay.

Fuse Card is a virtual Visa prepaid debit card that lets users spend USDC stablecoins directly from their self-custodial Fuse Wallet at any Visa merchant. It is designed for crypto users to enable real-world stablecoin spending without traditional banks, using a self-custodial smart contract wallet on the Solana blockchain.

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Best for

Self-custody users spending USDC on Solana with zero card fees.

Skip if

You need a physical card, Android support, or cashback rewards.

Network
visa
Custody
self custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
No
Physical card
Yes

The verdict

What we like
  • Self-custodial design via a multi-key smart contract.
  • Zero fees for card spending, including 0% FX fees.
  • Earn yield on USDC via integrated Drift and Kamino protocols.
  • Available in 19 countries including the US, Brazil, and Nigeria.
  • Free Solana transactions for Fuse Plus members ($100 deposit).
Watch outs
  • Virtual card only; no physical card option available.
  • iOS only; no support for Android or Google Pay.
  • Supports only USDC on the Solana blockchain.
  • $1.00 bank fee per off-ramp transaction.
  • Spend USDC on Solana with 0% foreign transaction fees via Apple Pay.
  • True self-custody via a 2-of-3 multisig smart contract wallet.
  • Deposit $100+ in Fuse Earn for unlimited gasless Solana transactions.

Basic information

  • Card Name: Fuse Card
  • Card Network: Visa
  • Card Type: Prepaid Debit Card
  • Card Format: Virtual card only
  • Issuer: Lead Bank
  • Program Manager: Bridge Ventures LLC
  • Availability: US (excluding NY, AK), Argentina, Brazil, Mexico, Nigeria, and 13 other countries.

Fees

  • Card Issuance: $0
  • Monthly/Annual Fee: $0
  • Purchase Transaction Fee: $0
  • Foreign Transaction Fee: 0%
  • Off-ramp to Bank (Bank Fee): $1.00 per transaction
  • Solana Network Fees: 5 free transactions/month (Standard); Unlimited free (Fuse Plus)
  • Daily Spending Limit: Up to $2,000
  • Monthly Off-ramp Limit: $1,000 (Standard); $25,000 (Fuse Plus)

Spending & ATM limits

Notes
Monthly off-ramp: $1,000 (Free plan), $25,000 (Plus plan). Only USDC held in Card Account can be spent. 5-minute security timelock on withdrawals from Card Account back to Main Account.
Atm Daily
Not supported
Atm Monthly
Not supported
Daily Spending
Up to $2,000 (user can set lower limit for security; may be increased after demonstrating usage)
Per Transaction
$2,000

Features

  • Virtual Card: Instant in-app issuance with Apple Pay support.
  • Direct Spending: Spend USDC on the Solana blockchain directly.
  • Self-Custodial Wallet: Funds are controlled by the user in a multi-key smart contract wallet.
  • Ecosystem Integration: Integrated with Fuse Earn for yield (powered by Drift and Kamino) and Jupiter for swaps.
  • Bank Connectivity: Virtual US bank accounts for receiving ACH transfers and EUR IBAN for SEPA transfers.
  • Security: In-app card freeze, customizable spending limits, and a 5-minute security timelock on withdrawals.

Rewards

The Fuse Card does not offer a traditional cashback program. Its benefits are centered on fee avoidance and ecosystem perks. - **Zero Fees**: No fees for card issuance, monthly maintenance, purchases, or foreign transactions. - **Referral Program**: A $5 + $5 reward is offered when an invited user activates their card. - **Fuse Plus Tier**: By depositing at least $100 USDC into Fuse Earn, users unlock unlimited free Solana network transactions, a higher monthly off-ramp limit of $25,000, and priority support.

Availability

Available in 17 countries across Latin America and Africa. US available in all states except New York and Alaska. Standard sanctions and compliance restrictions apply (OFAC-sanctioned countries excluded).

Top-up & funding

  • Direct spending from self-custodial Fuse Wallet Card Account
  • In-app transfer from Main Account to Card Account

No pre-loading required - spend directly from wallet

Security & custody

  • Multi-key security with 2-out-of-3 key setup by Squads Protocol
  • No single seed phrase vulnerability
  • Card freeze/unfreeze capability in-app
  • 5-minute security time-lock on withdrawals from Card Account back to Main Account
  • Daily spending limit controls enforced by smart contract (up to $2,000, customizable)
  • Device keys stored on user's device
  • Recovery keys for backup
  • Optional email 2FA key

Risk note. Funds held in the self-custodial wallet are not FDIC insured.

Mobile wallets

Apple Pay Supported
Google Pay Not supported
Samsung Pay Not supported

Card tiers

Standard (Free) Plan

Card material
Virtual only
FX free limit
Unlimited (0% FX fee)
ATM free
Not supported
Issuance fee
$0
Requirements
None
  • 5 free Solana transactions per month
  • $1,000 monthly off-ramp limit
  • Standard customer support
  • Online and in-store via Apple Pay

Fuse Plus

Card material
Virtual only
FX free limit
Unlimited (0% FX fee)
ATM free
Not supported
Issuance fee
$0
Requirements
Deposit $100+ USDC into Fuse Earn (deposit remains user-owned and earns yield)
  • Free Solana network fees (all gas fees covered, subject to reasonable usage limits)
  • $25,000 monthly off-ramp limit
  • Priority customer support (coming soon)
  • Online and in-store via Apple Pay

Banking services

● Iban● Direct Deposit● Sepa Transfers● Virtual Accounts

Virtual US bank accounts for receiving ACH transfers (converts to USDC). EUR IBAN available for SEPA transfers.

What users say

App Store
4.7/5.0 (25 ratings)

Positive: Clean interface, seamless integration, fee-free structure. Negative: Limited to iOS, no Android support, no physical card option.

Risks & limitations

Risks
  • RegulatoryAs regulations around stablecoins evolve, Fuse's operations could be affected
  • MarketNo FDIC insurance on card account funds unlike traditional bank deposits
  • CounterpartyYield from Fuse Earn comes from DeFi protocols (Drift and Kamino) rather than bank lending, introducing smart contract risk
Limitations
  • moderateVirtual card only (no physical option currently available)
  • majoriOS app only (Android support planned but no specific timeline)
  • majorLimited geographic availability (US excluding NY and AK; plus 17 countries in Latin America and Africa)
  • moderateNo cashback or rewards program
  • moderateSupports only USDC on Solana blockchain (no other cryptocurrencies)
  • minor$1.00 bank fee per off-ramp transaction
  • moderateNo ATM access
  • moderateCard account funds are NOT FDIC insured

Roadmap

Recently shipped
  • Referral Program launched July 2025: $5 + $5 referral reward
  • Geographic expansion to Latin America and Africa
Planned
  • Android app (in development, no specific timeline)
  • Priority support for Plus users (marked as coming soon)

Best suited for

Crypto-native users who want to spend stablecoins directly without off-ramping to banks, self-custody advocates who value maintaining control of their funds, fee-conscious spenders who prioritize zero-fee transactions, international travelers who benefit from no foreign transaction fees, and users in high-inflation economies like Argentina seeking stable currency alternatives.

Our verdict

The Fuse Card represents an innovative bridge between cryptocurrency and everyday spending, offering a self-custodial approach that maintains user control while delivering the convenience of a traditional payment card. Its zero-fee structure for all transactions makes it particularly appealing for cost-conscious users, while the integration with Fuse's broader ecosystem creates a comprehensive financial platform.

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