Fuse Card
Visaself-custodialKYC: required
3.0 / 5
Net Reward2.5
Availability1.0
Custody & Risk5.0
Features3.0
UX4.7
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. Designed for crypto users, it enables real-world stablecoin spending without traditional banks, with funds remaining in user control until the moment of purchase.
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Slug: fuse-card
Our Verdict
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.
Pros and cons
Pros
- Self-custodial design keeps funds under user control until spent
- Zero fees for all card transactions, including foreign purchases
- Seamless integration with yield-earning features through Fuse Earn (Drift and Kamino)
- Enhanced security with multi-key architecture and programmable limits
- No staking requirements for card usage
- Expanded availability across 19 countries in Americas and Africa
Cons
- Virtual card only with no physical option currently available
- Limited to iOS users (no Android support yet)
- Restricted geographic availability (only 19 countries currently supported)
- No cashback or rewards program on purchases
- Supports only USDC on Solana (no other cryptocurrencies)
- $1.00 bank fee per off-ramp transaction
Supported chains
Solana
Supported cryptos
USDC
Fees
Annual: $0
Monthly: $0
Issuance: $0
Fiat Withdrawal: $1.00 per transaction (bank fee)
Purchase Transaction: $0
Key Features
- Self-custodial design (funds remain in user control until spent)
- Zero fees (no issuance, monthly, transaction, or foreign exchange fees)
- Virtual Visa card with Apple Pay integration
- Direct spending of USDC stablecoins at any Visa merchant
- Integrated with Fuse ecosystem (yield-earning, swaps, bank transfers)
- Multi-key security with 2-out-of-3 key setup by Squads Protocol
- 5-minute security time-lock on withdrawals from Card Account
- Virtual US bank accounts for receiving ACH transfers
- EUR IBAN available for SEPA transfers
- Integrated with Jupiter aggregator for token swaps
Limitations
- Virtual card only (no physical option currently available)
- iOS app only (Android support planned but no specific timeline)
- Limited geographic availability (US excluding NY and AK; plus 17 countries in Latin America and Africa)
- No cashback or rewards program
- Supports only USDC on Solana blockchain (no other cryptocurrencies)
- $1.00 bank fee per off-ramp transaction
- No ATM access
- Card account funds are NOT FDIC insured
Risks
- RegulatoryAs regulations around stablecoins evolve, Fuse's operations could be affectedMentioned in Regulatory Considerations section
- MarketNo FDIC insurance on card account funds unlike traditional bank depositsExplicitly stated in cardholder agreement
- CounterpartyYield from Fuse Earn comes from DeFi protocols (Drift and Kamino) rather than bank lending, introducing smart contract riskMentioned in Comparison with Traditional Banking section
Rewards & Cashback
Notes: Referral Program: $5 + $5 referral reward when an invited user activates their Fuse Card (launched July 2025)
Cashback Rate: No cashback or rewards program
Interest On Balance: Fuse Earn integration for yield generation (powered by Drift and Kamino)
Spending 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
Top-Up Methods
Direct spending from self-custodial Fuse Wallet Card AccountIn-app transfer from Main Account to Card Account
Processing Time: No pre-loading required - spend directly from wallet
Banking & Financial Services
✓
IBAN
✓
SEPA Transfers
✓
Virtual Accounts
✓
Direct Deposit
Virtual US bank accounts for receiving ACH transfers (converts to USDC). EUR IBAN available for SEPA transfers.
Security Features
Features: 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
Insurance: Card account funds are NOT FDIC insured
Custody Partners: Squads Protocol
Mobile Wallet Support
Apple PayiOS
Best 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.
Custody Model
self-custodialUsers control private keys via multi-key smart contract wallet. Funds remain in user custody until point of purchase with real-time conversion. Platform cannot access funds beyond authorized transaction limits. Uses 2-out-of-3 key setup by Squads Protocol with no single seed phrase vulnerability.
Risk: If provider disappears, users retain full access to their assets. Card account funds are NOT FDIC insured.
Card Issuer & Compliance
Issuer Name: Lead Bank (Missouri-chartered bank)
Kyc Required: true
Issuer License: Missouri-chartered bank
Platform Licenses: Bridge Ventures LLC - Program Manager,Bridge money transmitter licenses (NMLS #2450917),Complies with USA PATRIOT Act and banking regulations
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).
Card Tiers
Standard (Free) Plan
Virtual onlyVirtual only
None
Fees
Issuance: $0
Monthly: $0
VisaApple Pay
ATM Free: Not supported
FX Free: Unlimited (0% FX fee)
5 free Solana transactions per month$1,000 monthly off-ramp limitStandard customer supportOnline and in-store via Apple Pay
Fuse Plus
Virtual onlyVirtual only
Deposit $100+ USDC into Fuse Earn (deposit remains user-owned and earns yield)
Fees
Issuance: $0
Monthly: $0
VisaApple Pay
ATM Free: Not supported
FX Free: Unlimited (0% FX fee)
Free Solana network fees (all gas fees covered, subject to reasonable usage limits)$25,000 monthly off-ramp limitPriority customer support (coming soon)Online and in-store via Apple Pay
User Ratings
4.7/5.0 (25 ratings)
App Store
Positive: Clean interface, seamless integration, fee-free structure. Negative: Limited to iOS, no Android support, no physical card option.
Roadmap & Updates
Expansion: Geographic expansion mentioned but without specific timelines
Planned Features:
- Android app (in development, no specific timeline)
- Priority support for Plus users (marked as coming soon)
Recent Updates:
- Referral Program launched July 2025: $5 + $5 referral reward
- Geographic expansion to Latin America and Africa
Conclusion
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. The card's most significant strengths are its self-custodial design, fee-free structure, and seamless integration with yield-earning features powered by Drift and Kamino. These advantages are balanced against limitations like the lack of a physical card, absence of rewards/cashback, and current restriction to iOS devices and 19 countries. For users within its supported regions who prioritize control over their funds and fee-free spending, the Fuse Card represents a compelling option that effectively bridges the crypto and traditional payment worlds.
Card launched: 2024-2025
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