Zebec Card
MastercardhybridKYC: required
3.0 / 5
Net Reward2.5
Availability3.5
Custody & Risk3.5
Features3.0
Zebec Card is a non-custodial, crypto-funded prepaid debit card on the Mastercard network that allows users to spend digital assets as fiat globally. Supporting 18 major blockchains and 150+ tokens across 100+ countries, it offers three tiers (Silver, Carbon, Black) with different spending limits and privacy levels, with rewards distributed as weekly crypto airdrops.
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Slug: zebec-card
Our Verdict
Crypto-first individuals who receive income or hold significant assets in cryptocurrency, privacy-conscious users who prefer minimal KYC requirements, multi-chain crypto holders who maintain assets across different blockchains, and ZBCN token holders willing to stake for airdrop rewards.
Pros and cons
Pros
- Zero Base Fees for Silver and Carbon tiers (no issuance, monthly, or transaction fees)
- Non-Custodial Approach allows users to retain control of their crypto until the moment of spending
- Extensive Multi-Chain Support across 150+ tokens and 18 major blockchains provides flexibility for users with diverse crypto holdings
- Minimal KYC Requirements (especially for U.S. users) offer greater privacy compared to many alternatives
- Weekly Crypto Airdrops provide a unique reward structure that can potentially exceed traditional cashback value
- Global Acceptance across 210 countries/territories where Mastercard is accepted
- Multiple Issuance Channels including app, web portal, and Telegram bot for convenience
Cons
- Variable FX and Conversion Fees can apply despite 'zero-fee' marketing, with costs varying by token and currency
- ZBCN Staking Requirement for airdrop eligibility ($500 minimum) creates a barrier to rewards
- Merchant Category Restrictions prevent using the card for financial services, crypto purchases, and other monetary applications
- Primarily Virtual Cards may be inconvenient for users who prefer physical cards or need to use them at terminals that don't accept contactless payments
- Silver Card Single-Use Model requires ordering multiple cards for higher daily spending, which may be confusing or inconvenient
- Black Card Explicit Fees ($1 activation, ~2% top-up, $0.30/transaction, $1/month) make it expensive for regular use
- Carbon Transaction Limits ($1,000 per load) can be restrictive for larger purchases
- Customer Support Issues have been reported with card issuing partners
- No Traditional Banking Features like IBANs, SWIFT transfers, or interest-bearing accounts
- Regional Restrictions including UK (pending regulatory review) and China (stablecoins only)
Supported chains
BaseBitcoinEthereumPolygonSolanaTRON
Supported cryptos
BNBBTCETHMATICSOLTRXUSDCUSDT
Fees
Monthly: See card_tiers
Issuance: See card_tiers
Crypto To Fiat: Variable (depends on token/currency)
Purchase Transaction: See card_tiers
Key Features
- Non-custodial approach - users retain control of crypto until spending
- Multi-chain support across 18+ blockchains including Bitcoin, Ethereum, Solana
- Weekly crypto airdrops with staking requirements for eligibility
- Three card tiers (Silver, Carbon, Black) with varying limits and features
- Available globally (210 countries/territories) with Mastercard acceptance
- Zero-fee structure for Silver and Carbon (with variable FX/conversion fees)
- 1:1 crypto-to-fiat conversion with no markup for stablecoins
- Instant virtual card issuance via app or Telegram bot
- Apple Pay and Google Pay integration for contactless payments
- Support for 150+ tokens across major blockchains
- 60+ million merchant acceptance worldwide
Limitations
- Primarily virtual cards with physical cards not widely distributed
- Restricted merchant categories - cannot be used for financial services, crypto purchases, money transfers (Venmo, PayPal), gambling/betting, gift cards or cash equivalents
- Silver card is single-use (non-reloadable); requires ordering multiple cards for higher daily spending
- Black card has explicit fees: $1 activation, ~2% top-up, $0.30/transaction, $1/month
- Airdrop rewards require holding $500 worth of ZBCN tokens
- Variable FX and conversion fees can apply despite 'zero-fee' marketing
- Carbon transaction limits ($1,000 per load) can be restrictive for larger purchases
- Customer support issues have been reported with card issuing partners
- No traditional banking features like IBANs, SWIFT transfers, or interest-bearing accounts
- UK restricted pending regulatory reviews
- China: only stablecoins can be used for cards issued in China
Risks
- CounterpartyWhen crypto is converted to fiat for card loading, those fiat funds become e-money issued by the partner bank. If provider disappears, loaded fiat may be lost.Custody model section
- RegulatoryUK availability restricted pending regulatory reviewsGeographic Availability section
- MarketAirdrop rewards value can fluctuate based on token performance - rewards approach differs from traditional cashback as value is variableRewards and Benefits section
- CounterpartyCustomer support issues have been reported with card issuing partnersUser Experience section
Rewards & Cashback
Notes: Weekly crypto airdrops averaging $35-$100 per cardholder. Includes 'hot' meme tokens, new project tokens, and established 'blue-chip' tokens. Zebec promotes staking ZBCN for extra rewards, particularly for Carbon cardholders.
Reward Token: Various cryptocurrencies via weekly airdrops (MOG, BRETT, SILLY, BONK, MEW, MUMU, NEIRO, etc.)
Eligibility Requirements: Hold at least $500 worth of ZBCN tokens and maintain a funded Silver Card (or higher tier)
Spending Limits
Notes: Silver is single-load (non-reloadable) but users can order multiple cards. Carbon allows unlimited reloads with $1,000 per load limit. Black has unlimited reloads with no preset limits.
Atm Daily: Not specified
Daily Spending: $10,000 (via multiple cards for Silver), $10,000 (Carbon), No preset limit (Black)
Per Transaction: $5-$1,000 per card (Silver), $1,000 per load (Carbon), No preset limit (Black)
Monthly Spending: Not specified
Top-Up Methods
Crypto (150+ cryptocurrencies and stablecoins)Connect wallet via WalletConnect or similar
Max Amount: $1,000 per card (Silver), $1,000 per load (Carbon), No limit (Black)
Min Amount: $5 (Silver)
Processing Time: Instant conversion at point of sale
Banking & Financial Services
✗
IBAN
✗
SEPA Transfers
✗
SWIFT
✗
Virtual Accounts
✗
Direct Deposit
No traditional banking features like IBANs, SWIFT transfers, or interest-bearing accounts
Security Features
Features: AI-driven security and compliance engine (Zebec AI/ZAI),Real-time transaction monitoring,Suspicious activity flagging,Non-custodial crypto storage until spending
Custody Partners: Mobilum (backend processing partner for Black Card)
Mobile Wallet Support
Apple PayGoogle PayiOSAndroid
Best For
Crypto-first individuals who receive income or hold significant assets in cryptocurrency, privacy-conscious users who prefer minimal KYC requirements, multi-chain crypto holders who maintain assets across different blockchains, and ZBCN token holders willing to stake for airdrop rewards.
Custody Model
hybridUsers control crypto in their own wallets until loading the card. At spending, crypto is converted to fiat and held by issuer as e-money. Zebec doesn't hold large pools of user crypto that could be vulnerable to hacks.
Risk: If provider disappears, unspent crypto remains accessible to user; loaded fiat may be lost. When crypto is converted to fiat for card loading, those fiat funds become e-money issued by the partner bank and must be safeguarded by the issuer in a trust account.
Card Issuer & Compliance
Issuer Name: Not specified in official sources (Black managed via Mobilum)
Kyc Required: true
Availability
Available in 72 countries. Restricted in 4 countries (OFAC-sanctioned regions). Key regions missing: United Kingdom, Switzerland, Hong Kong, United Arab Emirates, India. UK restricted pending regulatory reviews. China: only stablecoins can be used. Mastercard acceptance in 210 countries/territories.
Card Tiers
Silver
Virtual onlyVirtual only
Minimal KYC (basic info: name, address, email, phone). $500 ZBCN holding for airdrops.
Fees
Issuance: $0
Top-up: 0% (variable exchange/FX may apply)
Monthly: $0
Monthly Limit: Not specified
MastercardApple PayGoogle Pay
Cashback: Weekly token airdrops (with ZBCN holding)
Instant issuance via app or TelegramPrivacy-focused with minimal KYCMulti-card strategy for higher daily spendingNon-custodial approach
Carbon
Virtual onlyVirtual only
Minimal KYC for US users. $500 ZBCN holding for airdrops. Staking promoted for extra rewards.
Fees
Issuance: $0
Top-up: 0% (variable FX/conversion fees may apply)
Monthly: $0
Monthly Limit: Not specified
MastercardApple PayGoogle Pay
Cashback: Weekly token airdrops (staking for extra rewards)
Unlimited reloadsHigher limits than SilverATM withdrawal supportZero base fees
Black
PhysicalPremium physical planned
Standard verification. $500 ZBCN holding for airdrops. Managed via Mobilum app.
Fees
Issuance: $1 (activation)
Top-up: ~2%
Monthly: $1
Monthly Limit: No preset limit
Annual Limit: No preset limit
MastercardApple PayGoogle Pay
Cashback: Weekly token airdrops (possibly premium)
Unlimited spending capabilityUnlimited reloadsATM withdrawal supportPremium statusExclusive higher-value airdrops or early access
Token Economics
ZBCN
Merchant Restrictions
Crypto purchases- Compliance requirements from card issuer
Money transfers (Venmo, PayPal, etc.)- Compliance requirements from card issuer
Gambling or betting- Compliance requirements from card issuer
Gift cards or other cash equivalents- Compliance requirements from card issuer
User Ratings
No public user ratings available yet
Roadmap & Updates
Planned Features:
- Physical cards (showcased in marketing but not yet widely distributed)
- Unified Zebec Pay Super-App integrating payroll, cards, and treasury functions
- Dedicated native mobile app
- More fiat currencies for Carbon tier
Recent Updates:
- Carbon Card launched March 2025
- Black Card introduced mid-2024
Conclusion
Zebec Card represents a compelling option in the crypto card market, particularly for users who prioritize multi-chain support and are willing to hold ZBCN tokens for rewards. Its non-custodial approach differentiates it from many competitors, allowing users to maintain control of their crypto until the moment of spending. The three-tier structure (Silver, Carbon, and Black) provides options for different user needs, from single-use prepaid cards to essentially unlimited transactions for power users. However, the fee structure has become more complex than initially marketed, with variable FX and conversion fees applying across all tiers, and explicit fees for the Black tier. The unique rewards system, which distributes weekly crypto airdrops instead of traditional cashback, offers potentially higher value but with more variability and requires holding at least $500 worth of ZBCN tokens. Overall, Zebec Card is best suited for crypto-native users who want to spend directly from their multi-chain holdings and are willing to hold ZBCN tokens to access the airdrop rewards program.
Card launched: Initial launch in 2021 (Silver), with Carbon launc
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