Osmosis Pay Card
Visaself-custodialKYC: required
3.5 / 5
Net Reward0.0
Availability4.5
Custody & Risk5.0
Features3.5
The Osmosis Pay Card (OSMOpay Visa) is a crypto prepaid debit card that enables Osmosis wallet users to spend their crypto assets at Visa merchants globally. It converts crypto to fiat at point-of-sale with a 2% fee for Standard (virtual) and 1% for Premium (physical) cards, with assets remaining in your self-custodied wallet until you choose to fund the card.
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Slug: osmosis-pay-card
Our Verdict
Osmosis DEX and Cosmos ecosystem users who want to spend crypto while maintaining self-custody until the moment of transaction, without staking requirements or monthly fees
Pros and cons
Pros
- Non-custodial model - crypto remains in user's Osmosis wallet until conversion
- Direct integration with Osmosis DEX and Cosmos ecosystem
- No staking requirements or monthly maintenance fees
- Seamless integration with existing Osmosis wallets
- Support for yield-bearing assets until conversion
- Apple Pay and Google Pay integration
- Supports multiple crypto assets including USDC across multiple chains
- Spend rewards points program and referral bonuses
Cons
- New US signups currently not supported (operational restriction)
- Up to $20,000 daily spending limit ($60,000 monthly) on Premium; $10,000 daily ($30,000 monthly) on Standard
- Up to $2,000 daily ATM withdrawal limit ($10,000 monthly) on Premium
- 2% foreign currency conversion fee (Standard) / 1% (Premium) using Visa exchange rate
- No cashback
- $50 shipping fee for physical card
Supported chains
No chain data yet.
Supported cryptos
USDC
Fees
Issuance: Free (virtual), $50 (physical - shipping & production fee)
Crypto To Fiat: 2% (Standard) / 1% (Premium)
Key Features
- Non-custodial model - crypto remains in user's Osmosis wallet until conversion
- Direct integration with Osmosis DEX and Cosmos ecosystem
- Powered by Cypher technology platform
- 2% conversion fee (Standard) / 1% conversion fee (Premium) for crypto-to-fiat transactions
- Available in 180+ countries
- Virtual card free, physical card available for $50
- No staking requirements or monthly maintenance fees
- Support for yield-bearing assets until conversion
- Apple Pay and Google Pay integration
- Supports multiple crypto assets including USDC across multiple chains
- Spend rewards points program and referral bonuses
- 40M+ merchants in 180+ countries
Limitations
- New US signups currently not supported (operational restriction)
- No cashback rewards
- $50 shipping fee for physical card
- Up to $20,000 daily spending limit ($60,000 monthly) on Premium; $10,000 daily ($30,000 monthly) on Standard
- Up to $2,000 daily ATM withdrawal limit ($10,000 monthly) on Premium
- 2% foreign currency conversion fee (Standard) / 1% (Premium)
Risks
- RegulatoryNew US signups currently restricted - operational restriction in place
Rewards & Cashback
Notes: Points-based spend rewards program: spend $100 USD = earn 100 points. No cashback offered.
Reward Token: Points
Eligibility Requirements: No staking requirements
Spending Limits
Atm Daily: Up to $2,000 (Premium)
Atm Monthly: Up to $10,000 (Premium)
Daily Spending: Up to $20,000 (Premium) / $10,000 (Standard)
Monthly Spending: Up to $60,000 (Premium) / $30,000 (Standard)
Top-Up Methods
Crypto from Osmosis wallet
Notes: Connect and authorize via Osmosis wallet. Supports multiple crypto assets including USDC across multiple chains.
Processing Time: No pre-loading required - funds deducted from user's Osmosis wallet at purchase
Security Features
Mobile Wallet Support
Apple PayGoogle Pay
Best For
Osmosis DEX and Cosmos ecosystem users who want to spend crypto while maintaining self-custody until the moment of transaction, without staking requirements or monthly fees
Custody Model
self-custodialUsers retain full control of private keys in their Osmosis wallet until conversion. Crypto remains in user custody until spent; conversion to fiat happens at transaction.
Risk: If provider disappears, unspent crypto stays accessible to users
Card Issuer & Compliance
Issuer Name: REAP TECHNOLOGIES PVT LTD (Hong Kong)
Kyc Required: true
Availability
Available in 201 countries. Restricted in 1 country (United States). New US signups currently not supported.
Card Tiers
Standard
Virtual onlyVirtual only
Fees
Issuance: Free
Monthly Limit: $30,000
VisaApple PayGoogle Pay
Premium
PhysicalPhysical
Fees
Issuance: $50 (shipping & production fee)
Monthly Limit: $60,000
VisaApple PayGoogle Pay
User Ratings
No public user ratings available yet
Card launched: Late 2024
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