Standard
- Cashback
- 5% via RIZpoints
- Card material
- Plastic (Metal coming soon)
- Monthly limit
- No preset maximum
- Issuance fee
- $1 (virtual)
- Requirements
- KYC verification
- Free stablecoin transfers to other Rizon users
- Instant virtual card issuance
DeFi maxiRain (Signify Holdings/Nimbus LLC)visa● Live
Rizon Card
Non-custodial Visa debit card for spending USDC/USDT from a user-controlled wallet.
Rizon Card is a non-custodial, stablecoin-backed Visa debit card for spending USDC or USDT directly from your own wallet. It converts stablecoins to local currency at purchase, with no custodial deposits or manual off-ramping. Rizon targets crypto holders seeking direct spending and asset control, offering instant virtual cards, physical card availability, plus Apple/Google Pay support. The card is available to verified users in the US and Latin America, and usable in 147+ countries.
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Best for
Self-custody users in the US/LATAM spending USDC/USDT.
Skip if
You need to spend BTC/ETH or require >$250 daily ATM access.
Network
visa
Custody
self custodial
KYC
full
Max cashback
5%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- No monthly or annual account maintenance fees.
- Instant virtual card issuance upon verification.
- Supports deposits on Solana, Polygon, and Base.
- 5% cashback in RIZpoints on purchases.
Watch outs
- Only supports spending USDC and USDT.
- $250 daily maximum ATM withdrawal limit.
- High ATM fees: 2% + $3.00 for USD.
- Spend self-custodied USDC/USDT on the Visa-network.
- Earns 5% cashback in RIZpoints, but only supports USDC/USDT.
- No monthly fees, but a 1.5% FX fee applies abroad.
Basic information
{"card_type":"Debit","card_network":"Visa","card_material":"Virtual and Physical","availability":"New customer registration is limited to residents of the United States and Latin America. The card is usable in 147+ countries."}
Spending & ATM limits
- Notes
- No limit on deposits to Rizon wallet. No explicit limits on stablecoin sending or receiving.
- Atm Daily
- $250 per day maximum
- Daily Spending
- No preset maximum limit beyond available balance
- Per Transaction
- No preset maximum limit beyond available balance
- Monthly Spending
- No preset maximum limit beyond available balance
Rewards
Earn 5% back on every eligible purchase through the RIZpoints system. Points can be redeemed for discounts or offers with partner merchants in the future. No staking is required.
| Tier | Rate | Up to |
|---|---|---|
| default | 5% | — |
Availability
Available in 119 countries. Restricted in 85 countries. New customer onboarding currently limited to US and Latin America residents. Cards usable globally in 147+ countries where Visa is accepted. Key regions missing: Germany, France, Italy, Spain, Netherlands.
Top-up & funding
- USDC on supported chains
- USDT on supported chains
- ACH transfers (US)
- SEPA transfers (EU)
- Apple Pay/Google Pay top-ups
- Credit/debit card funding
Security & custody
- Face ID
- Touch ID
- Device passkeys
- Biometric verification
- Two-factor authentication
- Transaction alerts
- Freeze card from app
- Terminate card from app
- Encryption of all sensitive data in transit and at rest
Risk note. While non-custodial, the smart contract is assigned and managed in part by the card issuer (Rain) after KYC. The user's linked wallet is the sole administrator.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Banking services
● Sepa Transfers● Virtual Accounts
USD and EUR Accounts with virtual ACH/SEPA account functionality. ACH transfers (US) and SEPA transfers (EU) supported for top-ups.
What users say
No public user ratings available yet. Early users report positive experiences with the sign-up process, KYC verification, and card functionality.
Risks & limitations
Risks
- CounterpartyNo explicit mention of insurance for crypto deposits. Funds in stablecoins on-chain are not FDIC-insured.
- MarketNew platform with less established track record compared to competitors
Limitations
- moderateLimited to USDC and USDT stablecoins only - no support for BTC, ETH, or other cryptocurrencies
- minorPhysical card status unclear and inconsistently marketed
- minorSome fees and reward rules lack transparency
- moderate$250 daily ATM withdrawal limit may be restrictive
- moderateHigh ATM fees - 2% + $3.00 for USD withdrawals, higher for foreign currency
- minorNew platform with less established track record compared to competitors
- majorNew customer registration currently limited to US and Latin America residents
Roadmap
Recently shipped
- Launch of RIZpoints rewards program
- Physical plastic card now available
Planned
- Physical Metal Card with higher tier benefits and bigger cashbacks
- Expanded Regional Availability as Rain secures additional licenses
- Additional Blockchain Support
- Enhanced Rewards Features with additional partner merchants and redemption options
Best suited for
Crypto-first users who want to spend stablecoins without sacrificing self-custody, international travelers benefiting from borderless USD spending, freelancers receiving payments in stablecoins, and residents of countries with unstable currencies who want to preserve value in USD.
Our verdict
Rizon Card represents a significant innovation in the crypto payment card space by combining the security of self-custody with the convenience of traditional card payments. Its non-custodial wallet architecture addresses a key concern in the crypto community—maintaining control of assets while enabling everyday spending—and sets it apart from most competitors that require users to deposit funds into custodial accounts. For users who prioritize self-custody while wanting seamless spending capabilities, particularly those in the US and Latin America, Rizon offers a compelling solution that maintains the core values of cryptocurrency while providing the practical utility of a Visa card.
Ready to apply for the Rizon Card?
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