DeFi maxiKulipamastercard● Live

Ready Card

Name: Ready Card
Brand: Kulipa
Availability: InStock

Self-custodial Mastercard debit card that spends USDC from a user's wallet at transaction time.

The Ready Card (formerly Argent Card) is a premium crypto-funded debit card that bridges the gap between cryptocurrency assets and everyday spending. What distinguishes this card from competitors is its self-custody model - users maintain complete control of their crypto assets until the moment of transaction, when USDC is converted to fiat currency at the point of purchase.

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Best for

Self-custody advocates in the UK/EEA seeking up to 3% STRK cashback.

Skip if

You live outside the UK/EEA or need to spend assets other than USDC.

Network

mastercard

Custody

self custodial

KYC

full

Max cashback

Min monthly fee

Apple Pay

Google Pay

Yes

Physical card

Yes

The verdict

What we like

Up to 6% cashback with random boosts.
Global usage via Mastercard-network.
Borrow USDC against BTC for spending.

Watch outs

120 USDC annual fee for Metal card.
Only supports USDC/USDC.e for spending.
Cashback capped at $150 monthly.
No Apple Pay support at launch.

Metal card's 120 USDC fee is offset by 3% STRK cashback.
True self-custodial model means Ready never holds your funds.

Basic information

Card Name: Ready Card (formerly Argent Card)
Card Network: Mastercard
Card Type: Prepaid Debit Card
Card Issuer: Kulipa (regulated card issuer)
Launch Date: Phased rollout in late 2024, public launch in March 2025
Card Format: Physical metal card with in-app digital card details
Card Design: Minimalist design with Ready logo in gold or platinum finish

Fees

Annual Fee: 120 USDC (Metal Card) or Free (Lite Card, with a one-time $6.99 shipping fee).
Crypto-to-Fiat Conversion: No fee.
Foreign Exchange (FX): No fee.
Transaction Fees: No fee.
ATM Withdrawals:
- Metal Card: Free up to $800/month, 2% fee thereafter.
- Lite Card: Free up to $200/month, 2% fee thereafter.

Spending & ATM limits

Notes: Transactions simply decline if there are insufficient funds. No overdraft fees.
Atm Daily: $500
Atm Annual: $30,000
Atm Monthly: $2,500
Daily Spending: $10,000
Per Transaction: $5,000
Monthly Spending: $30,000 rolling 30-day limit (can be increased via support)

Features

Card Material: Premium 16g metal (Gold or Platinum) or standard plastic.
Spending Currencies: Supports USDC and USDC.e only.
Top-Up Method: No pre-loading required; funds are deducted directly from the user's self-custodial wallet at the moment of purchase.
Banking Integration: Provides virtual account details (IBAN/BIC in EU, sort code/account number in UK) for direct bank deposits, which are automatically converted to USDC.
Loan Product: Allows users to borrow USDC against their Bitcoin holdings to spend with the card.
Partner Perks (Metal Card only): Includes free Layerswap bridging (up to $100/month), and discounts on services like Ramp, Nansen, Koinly, and NordVPN.

Rewards

The Ready Metal Card offers 3% cashback in STRK tokens on up to $5,000 spent per month, with random 'boost hours' increasing the rate to 4%-6%. The Lite Card offers 0.5% cashback in STRK on the same spending cap. Rewards are capped at $150 per month and are distributed by the 15th of the following month.

Tier	Rate	Up to
Metal Card	3%	$5,000
Lite Card	0.50%	$5,000

Availability

Available in 179 countries. Card ordering limited to UK and EEA residents, but cards can be used globally wherever Mastercard is accepted (120+ countries reported). Restricted in 25 countries including United States and sanctioned nations.

Top-up & funding

Crypto (USDC/USDC.e from self-custodial wallet)
Bank transfer (SEPA/UK Faster Payments)

No pre-loading required - funds deducted from user's self-custodial wallet at purchase. Bank deposits automatically converted to USDC for immediate card spending.

Security & custody

Self-custody model - Ready never holds or controls user funds
Smart contract session key permissions enable card transactions while maintaining user control
Instant card freeze/unfreeze via Ready Mobile app
PIN-protected transactions
Biometric protection for viewing card details
Delayed transaction settlement enhances privacy
Transaction notifications and activity monitoring
Social recovery without seed phrases

Risk note. If the provider were to cease operations, users would retain full access to their assets in their self-custodial wallet.

Mobile wallets

Apple Pay Not supported

Google Pay Supported

Samsung Pay—

Card tiers

Metal Card

120 USDC (paid upfront, no automatic renewal)

Cashback: 3% (with boost hours up to 6%)
Card material: Metal (steel), 16 grams
FX free limit: Unlimited (no FX fees)
ATM free: $800/month
Monthly limit: $30,000 rolling 30-day limit
Requirements: ID verification through Ready app, residency in UK or EEA

Gold or Platinum finish options
Free Layerswap bridging fees (refunded weekly, up to $100/month)
30% discount on Ramp Network crypto on-ramp fees (except UK)
Up to 25% off Nansen
20% off Koinly
15% off Airalo
70%+ off NordVPN
Non-transferable NFT for early cardholders
Cashback streak boosts

Lite Card

Free

Cashback: 0.5%
Card material: Plastic
FX free limit: Unlimited (no FX fees)
ATM free: $200/month
Monthly limit: $30,000 rolling 30-day limit
Issuance fee: $6.99 one-time shipping fee
Requirements: ID verification through Ready app, residency in UK or EEA

Loan & credit features

BTC Loan Product - borrow USDC against Bitcoin holdings as collateral, use borrowed USDC directly with Ready card for spending, maintain exposure to Bitcoin price appreciation while accessing liquidity

Allows Bitcoin holders to spend without liquidating their cryptocurrency positions

Banking services

● Iban● Direct Deposit● Sepa Transfers● Virtual Accounts

Virtual account details provided for each user (IBAN/BIC in the EU, sort code/account number in the UK). Automatic conversion of bank deposits to USDC for immediate card spending. SEPA and UK Faster Payments support for instant funding.

What users say

App Store

4.5/5.0 (254 ratings)

Google Play

4.2/5.0 (6,865 ratings)

Positive early reception for seamless spending experience and self-custody model. Metal card users appreciate premium feel of physical card.

Risks & limitations

Risks

MarketCashback rewards paid in STRK tokens which are subject to price volatility

Limitations

moderate120 USDC annual fee for Metal card paid upfront
moderateCurrently only supports USDC/USDC.e for spending
moderateAvailable for ordering only in UK and EEA
minorMaximum 30-day spending limit of $30,000 (can be increased via support)
minorCashback rewards capped at $150/month
minorAutomatic refunds not supported - refunds applied against future card spending unless manual refund requested
minorApple Pay not yet available (coming soon)
minorCashback paid in volatile STRK tokens

Latest updates

June 24, 2025
Argent is now called Ready
Argent rebranded to Ready
May 21, 2025
Argent introduces the Lite card
Introduction of the Lite card tier

Roadmap

Recently shipped

June 2025: Argent rebranded to Ready
May 2025: Lite card introduced
BTC Loan product launched

Planned

Apple Pay support
Monthly payment option for Metal card (pricing not confirmed)
Additional cryptocurrencies for spending

Best suited for

Crypto natives who value self-custody while wanting everyday spending capabilities, regular spenders who can maximize cashback benefits, and international travelers who benefit from zero foreign exchange fees and global acceptance.

Our verdict

The Ready Card lineup offers a self-custodial solution that doesn't compromise on user experience. It leverages smart contract technology to maintain user sovereignty while enabling seamless spending, distinguishing it from custodial competitors. With both a premium Metal and free Lite option, it caters to different user budgets while upholding the core values of financial autonomy.

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