Standard
- Card material
- Virtual only
- Monthly limit
- $30,000
- Issuance fee
- Free
DeFi maxiREAP TECHNOLOGIES PVT LTD (Hong Kong)visa● Live
Osmosis Pay Card
A non-custodial Visa prepaid debit card for spending assets directly from an Osmosis wallet.
The Osmosis Pay Card is a non-custodial, prepaid Visa debit card that allows users to spend crypto assets directly from their Osmosis wallet. It converts crypto to fiat at the point-of-sale, with assets remaining in the user's wallet until a transaction occurs. The card is available in two tiers: a virtual Standard card and a physical Premium card.
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Best for
Osmosis users needing to spend crypto directly from a non-custodial wallet.
Skip if
You want cashback rewards or have low fees as a primary priority.
Network
visa
Custody
self custodial
KYC
full
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Non-custodial spending from your Osmosis wallet.
- No monthly fees or token staking required.
- Supports both Apple Pay and Google Pay.
Watch outs
- $50 issuance fee for the physical card.
- 1-2% crypto-to-fiat conversion fee per transaction.
- Truly non-custodial; assets remain in your Osmosis wallet until spent.
- No cashback rewards, with a 1-2% crypto conversion fee per transaction.
- Physical card has a $50 issuance fee and 1% FX fee.
Basic information
The Osmosis Pay Card (OSMOpay Visa) is a prepaid Visa debit card that bridges the Osmosis DeFi ecosystem with traditional payments. Powered by the Cypher technology platform, it allows users to spend crypto from their self-custodied Osmosis wallet at over 40 million Visa merchants worldwide. Assets are converted to fiat automatically at the point of sale. The card is available in 180+ countries, though new US signups are currently restricted. It comes in two tiers: a free virtual Standard card and a physical Premium card with a $50 issuance fee.
Fees
- Standard (Virtual Card)
- Issuance Fee: Free
- Crypto Conversion Fee: 2%
- Foreign Exchange (FX) Fee: 2%
- Premium (Physical Card)
- Issuance Fee: $50 (shipping & production)
- Crypto Conversion Fee: 1%
- Foreign Exchange (FX) Fee: 1%
General Fees
- Monthly Fee: None
- Staking Requirement: None
Spending & ATM 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)
Features
- Standard: Virtual card with higher fees.
- Premium: Physical card with lower fees.
Spending & Withdrawal Limits
- Standard Card:
- Daily Spending: $10,000
- Monthly Spending: $30,000
- Premium Card:
- Daily Spending: $20,000
- Monthly Spending: $60,000
- Daily ATM Withdrawal: $2,000
- Monthly ATM Withdrawal: $10,000
Functionality
- Top-Up Method: No pre-loading required. Funds are deducted directly from the user's connected Osmosis wallet at the time of purchase.
- Supported Assets: Supports multiple crypto assets, including USDC across various chains.
Rewards
### Cashback * **Rate**: None. The card does not offer any cashback rewards. ### Other Rewards * **Spend Rewards Program**: Users earn reward points on card purchases (e.g., spending $100 earns 100 points). The redemption value of these points is not specified. * **Referral Program**: A referral bonus program is available.
Availability
Available in 201 countries. Restricted in 1 country (United States). New US signups currently not supported.
Top-up & funding
- Crypto from Osmosis wallet
No pre-loading required - funds deducted from user's Osmosis wallet at purchase
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Premium
- Card material
- Physical
- Monthly limit
- $60,000
- Issuance fee
- $50 (shipping & production fee)
What users say
No public user ratings available yet
Risks & limitations
Risks
- RegulatoryNew US signups currently restricted - operational restriction in place
Limitations
- majorNew US signups currently not supported (operational restriction)
- moderateNo cashback rewards
- minor$50 shipping fee for physical card
- minorUp to $20,000 daily spending limit ($60,000 monthly) on Premium; $10,000 daily ($30,000 monthly) on Standard
- minorUp to $2,000 daily ATM withdrawal limit ($10,000 monthly) on Premium
- moderate2% foreign currency conversion fee (Standard) / 1% (Premium)
Best suited 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
Our verdict
The Osmosis Pay Card is a non-custodial Visa debit card integrated with the Osmosis DEX. It allows users to spend crypto directly from their wallet, but comes with high conversion fees (1-2%) and no cashback, making it costly for regular use compared to competitors.
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