A hybrid-custody prepaid Visa/Mastercard with tiered cards, including a high-limit Premium version.
The Zypto Card is a crypto-funded prepaid Visa and Mastercard solution for spending digital assets globally. It offers physical and virtual cards, supporting over 100 cryptocurrencies with instant crypto-to-fiat conversion. With high spending limits and various card tiers, Zypto integrates with a non-custodial wallet and mobile app.
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High-volume spenders in LATAM/APAC needing up to $1M/month limits and Visa Signature benefits.
You live in Europe, Canada, or Australia or need a low-fee physical card.
The Zypto Card provides multiple prepaid Visa and Mastercard options (physical and virtual) that bridge cryptocurrency with daily spending. It features instant crypto-to-fiat conversion for card loading. The platform offers four card types: a Premium physical card, a Classic physical card, a reloadable virtual card, and single-load virtual cards. Mobile wallet support is available for Premium and virtual cards. Availability varies significantly by card type, with some cards being globally accessible and others restricted to specific regions.
Zypto's fee structure varies across its four card types. The Premium card has a $50 issuance fee but no monthly fee. The Classic card costs $30 to issue, plus a $20 activation fee and a $12 monthly maintenance fee. Reloadable virtual cards are free to issue. Transaction fees include a $0.30 charge for POS purchases on all cards. Currency conversion fees are 1.75% for most cards but 2.75% for the Classic card. Reload fees are highest on the Classic card at $6 + 4.5%, compared to 0-3% for Premium and reloadable virtual cards.
Zypto offers four distinct card tiers: Premium Physical, Classic Physical, Reloadable Virtual, and Single-Load Virtual. Key features include exceptionally high spending limits (up to $1,000,000/month on the Premium card), support for over 100 cryptocurrencies, and integration with a non-custodial wallet. The Premium card includes Visa Signature benefits like lounge access and concierge services, along with 3D Secure and mobile wallet support. The Classic card lacks 3D Secure and mobile wallet integration. The ecosystem also includes a dApp browser, bill pay services, and a gift card marketplace.
Zypto uses a points-based system instead of direct cashback. Users earn ZYP reward points on card spending, where 1,000 ZYP equals $1 USD. A 100-step reward ladder based on lifetime points earned can multiply the base reward rate. Points are redeemable for card loads, gift card purchases, mobile top-ups, and other services within the Zypto ecosystem. The platform also offers a referral program, paying $5 in ZYP points to both parties and a 0.1% lifetime commission to the referrer.
Available in 172 countries. Restricted in 57 countries. Single-load virtual cards available in 180+ countries globally. Premium Physical and Reloadable Virtual cards limited to eligible LATAM, APAC, Africa countries and certain US states. US available in all 50 states for single-load cards.
Minutes (depends on blockchain confirmation times); Bitcoin ~15-45 minutes; Faster chains (Solana, etc.) a few minutes
Risk note. If the provider or its banking partners fail, any fiat funds loaded onto the card could be lost. Unconverted cryptocurrency held in the user's non-custodial wallet would remain secure and accessible.
Bill payment service available; MoneyGram integration for cash pickup; Gift card marketplace; Mobile top-ups in 170+ countries
Positive feedback on industry-leading spending limits, fast virtual card issuance, integrated ecosystem, and 24/7 human support. Negative feedback on geographic restrictions, fee complexity, and 3DS limitations.
Digital nomads in eligible regions needing high spending capability, global travelers requiring minimal verification virtual cards, crypto investors wanting to spend holdings without traditional banking, and high-net-worth individuals requiring exceptional spending limits and premium travel benefits.
The Zypto Card offers a diverse lineup, from high-limit Premium cards with Visa Signature benefits to globally available single-load virtual cards. Its key trade-off is geographic availability, with the best cards restricted to specific regions. Fees can be high, particularly on the Classic card, which has a $12 monthly fee and lacks modern features like 3D Secure and mobile wallet support.
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