Rizon Card
Visaself-custodialKYC: required
4.0 / 5
Net Reward4.3
Availability3.5
Custody & Risk5.0
Features3.5
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, targeting crypto holders seeking direct spending and asset control.
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Slug: rizon-card
Our Verdict
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.
Pros and cons
Pros
- True Self-Custody - users maintain control of stablecoins until spending
- No Monthly Fees - zero maintenance costs for all usage levels
- Instant Virtual Card - immediate issuance and mobile wallet integration
- Multi-Chain Support - deposit options across numerous blockchain networks
- 5% Cashback - competitive rewards program with no staking requirements
Cons
- Limited Geographic Availability - new registration restricted to US and LATAM
- Stablecoin-Only - no support for BTC, ETH, or other cryptocurrencies
- ATM Withdrawal Limits - $250 daily maximum may be restrictive
- High ATM Fees - 2% + $3.00 for USD withdrawals, higher for foreign currency
- New Platform - less established track record compared to competitors
Supported chains
ArbitrumAvalancheBaseEthereumOptimismPolygonSolanaTRON
Supported cryptos
BTCETHUSDCUSDT
Fees
Annual: Free
Monthly: Free
Issuance: $1 (virtual card)
Atm Non Uk: $3.00 + 2% + 2% FX fee (plus ATM operator fees)
Crypto Withdrawal: Network fee + 0.1%
Purchase Transaction: Free (USD transactions)
Stablecoin Withdrawal: Network fee + 0.1%
Key Features
- Non-custodial architecture where users maintain full control of their stablecoins
- Automatic conversion of USDC/USDT to local currency at point of purchase
- Compatible with Apple Pay and Google Pay for immediate mobile payments
- No monthly fees or maximum spending limits for verified users
- Supports multiple blockchain networks including Solana, Polygon, and Ethereum L2s
- Up to 5% rewards on eligible purchases via RIZpoints
- Free stablecoin transfers to other Rizon users via RizTag, email, or phone number
- Up to 20 RIZpoints (valued $200) for each successful referral
Limitations
- Limited to USDC and USDT stablecoins only - no support for BTC, ETH, or other cryptocurrencies
- Physical card status unclear and inconsistently marketed
- Some fees and reward rules lack transparency
- $250 daily ATM withdrawal limit may be restrictive
- High ATM fees - 2% + $3.00 for USD withdrawals, higher for foreign currency
- New platform with less established track record compared to competitors
- New customer registration currently limited to US and Latin America residents
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 competitorsLaunched August 7, 2025
Rewards & Cashback
Notes: RIZpoints can be redeemed for discounts or offers with partner merchants. Rating penalized for payout in points.
Reward Token: RIZpoints
Cashback Rate: 5% back on eligible purchases via RIZpoints
Excluded Transactions:Transfers/top-ups via services like PayPal/Revolut, ATM withdrawals, Cash equivalents
Eligibility Requirements: No staking requirements to access rewards. All users have equal access regardless of spending volume.
Spending 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
Top-Up Methods
USDC on supported chainsUSDT on supported chainsACH transfers (US)SEPA transfers (EU)Apple Pay/Google Pay top-upsCredit/debit card funding
Max Amount: No limit on deposits
Banking & Financial 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.
Security Features
Features: 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
Insurance: No explicit mention of insurance for crypto deposits
Custody Partners: Privy (on-device key management),Rain (card infrastructure)
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best 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.
Custody Model
self-custodialNon-custodial wallet model where users maintain sole control of their private keys. Keys are generated and stored securely on the user's device via Privy. Stablecoins remain in user-controlled smart contract until point of purchase. The Linked Wallet serves as the sole administrator of the smart contract.
Risk: If provider disappears, users keep access to their crypto assets. No explicit mention of insurance for crypto deposits. Since funds are in stablecoins on-chain, they are not FDIC-insured.
Card Issuer & Compliance
Issuer Name: Rain (Signify Holdings/Nimbus LLC)
Kyc Required: true
Issuer License: Visa Principal Member with appropriate money transmitter licenses
Platform Licenses: Visa Principal Member
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.
Card Tiers
Standard
PhysicalPlastic (Metal coming soon)
KYC verification
Fees
Issuance: $1 (virtual)
Top-up: Free (only standard blockchain network fees apply)
Monthly: Free
Monthly Limit: No preset maximum
VisaApple PayGoogle Pay
Cashback: 5% via RIZpoints
Free stablecoin transfers to other Rizon usersInstant virtual card issuance
Token Economics
RIZpoints
Referral: Up to 20 RIZpoints (valued $200) for each successful referral. Maximum of 10 friends can be referred for a total of $400 in rewards.
User Ratings
No public user ratings available yet. Early users report positive experiences with the sign-up process, KYC verification, and card functionality.
Roadmap & Updates
Planned Features:
- 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
Recent Updates:
- Launch of RIZpoints rewards program
- Physical plastic card now available
Conclusion
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. The card's fee structure is transparent and competitive, with no monthly fees and reasonable charges for currency conversion and ATM withdrawals. With the launch of the RIZpoints rewards program offering 5% cashback and both virtual and physical cards now available, Rizon successfully bridges the gap between crypto self-custody and everyday spending. 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.
Card launched: August 7, 2025
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