Which Crypto Card is better on the free tier, Wirex One or RedotPay? Both give you a card and bank accounts, but Wirex One leaves the keys with you, and the biggest one by volume holds your money for you @wirex_one - Self-custodial wallet, and you can export the private key - USD, EUR and GBP accounts with local bank details - Pay out to any Visa or Mastercard, plus SEPA, ACH and Faster Payments - Around 70 crypto assets supported - Fixed-term savings for up to 24 months @RedotPay - Custodial account, held by its in-house custodian Red Dot Trust - USD, EUR and GBP accounts with bank details - Send money abroad to bank accounts and e-wallets in local currency - Pay by QR in 9 countries, from Vietnam to Brazil - Free instant transfers to other RedotPay users What the free tier gets you: - Wirex One: free virtual card, 0.5% back in USD, FX fees depend on the currency and the merchant - RedotPay: $10 for a virtual card, no cashback, 1% when you pay from crypto plus 1.2% on non-USD purchases - Wirex One gives more on the free tier: your own keys, a free card and cashback - RedotPay does more with moving money: QR payments, payouts abroad, free transfers Self-custodial or custodial, which one do you trust with your card balance?

RedotPay could become the first stablecoin card company to IPO in the US Bloomberg reports it is considering a confidential filing by year-end and is in talks on a pre-IPO round at a $4B to $5B valuation Who they are: - a stablecoin payments app from Hong Kong, launched in 2023 - you top up with crypto and pay with a Visa card - in Singapore the actual issuer isn't named, the terms only say "BIN Sponsor" - in Hong Kong it is legally a credit card, with the credit line from its own Red F. Technology - 9M+ customers, over $180M a year in revenue at the current pace and an operating margin above 50%, per the report In September its cards took $537.9M of top-ups, 34% of all tracked Crypto Card volume Would you buy @RedotPay stock?

How to get access to the Ethena Pay card? The free tier pays 4% cashback in $AVAX on your first $2,500 a month, paid out daily, plus 5% a year on up to $5,000 of balance. Pro and VIP get 6% on balance You need 3 things: - an iPhone, the @EthenaPay app is iOS only for now - an invite code, without one you land on the waitlist - to live in one of the 48 supported countries: Latin America, the Caribbean, Asia and the Middle East, Africa or Oceania. The US, EU and UK are still "live soon" Live in Dubai, Bangkok or Buenos Aires on an EU passport? You are in. Your ID can be from any country except the US, what counts is your home address in a supported country, and there is no proof of address step With a code, sign up, pass KYC with your ID and your virtual Visa card goes into Apple Pay right away Anyone want access?

Weekly Crypto Card Digest: Oct 19 - 25 Big week for Crypto Cards. AI got access to card accounts, cards moved onto new chains, and launching a new card now takes weeks, not months. Here is all of it, project by project: - @StripeCrypto : with @privy_io and Stripe Issuing, fintechs can launch stablecoin card programs in weeks, not months, with ready-made onboarding, card management and spending straight from stablecoin balances - @wirexapp : $WPAY moves to Arc and Polygon support ends by end of November, and annualised onchain card spend across Wirex infrastructure passed $2B, per its Q3 review - @ether_fi : you can now connect your account to Claude, ChatGPT or any AI assistant that supports MCP, read-only, statements download as PDF or CSV, and it acquired selected @zealwallet assets, so Zeal users can move over inside the app - @Mastercard : opened early access to Agent Pay for Machines, an AI agent pays for digital services within the budget and rules a business sets - @cashi : launched the Cashi USD Account, an account in your name with ACH, Fedwire and SWIFT, 0 fees and 1:1 to USDT or USDC, plus 10% back on Solana Breakpoint tickets, up to $50, until Nov 14 - @raincards : powers @gokubupay, one of the first projects out of BitGo Labs, a stablecoin-backed card with an AI assistant that analyzes your spending - @reapglobal : is live on @monad, where Meru will launch the first stablecoin card program, and stablecoins in @crossmint wallets can now be spent with Reap - @useTria : @arc is now on Tria, send, receive and convert USDC on Arc, then top up the card or fund your trading account - @itstuyo : Buy Now, Pay Maybe ends Oct 31 and 1.5% cashback starts Nov 1, and AI agents can now get view access to your account and act only after your approval - @PulsarMoneyApp : you can now top up from another card, and stablecoins on @arbitrum fund the account with no bridge fees - @SolidYield : statements are live, any month or a custom date range, as a clean PDF - @lava_xyz : Lava Private is live, segregated cold storage for your bitcoin, credit against it and inheritance planning with one dedicated team - @Solayer_Pay : USDT on BNB Chain and USDC on Base now deposit straight to the balance, next to Solana, Ethereum and Arbitrum - @allscaleio : its business Crypto Card is live, powered by @InterlaceMoney, a consumer card is next - @altitude : run several companies from one login, with dedicated accounts, cards and permissions for each and free instant transfers between them - @eldoradoio : announced its first stablecoin-powered credit product with @talamobile, on @tempo, launching first in Bolivia, per CEO @stablecoing - @DptPay : the physical Visa card starts shipping mid-November, with a US Visa BIN and $0 annual fee, card price TBA, waitlist is open - @EthenaPay : tap the FX rate on any card payment to flip how it's shown, live a week after users asked for it - @Exa_App : coming in the next few weeks, tokenized stocks as collateral for the card, pending a governance vote, Exa for Business and multiple cards per user - @BleapApp : on Oct 24 its card partner Unlimit had a disruption and some card payments could fail, funds and transfers were not affected - @solcard : $SOLC staking is live with new tiers, and per its update 70,000+ cards, 1.4M+ purchases and $110M+ spent Which one are you trying first?

The Tria card still pays 6% cashback. The token behind it is down 95% DefiLlama counts about $31K of card and perps fees for @useTria in all of September The whole project runs on the token alone Think about what happens to your card and your cashback when the token runs dry

Is cashback in a token good or bad? It depends on one detail When your dollars turn into the token, and whether you can sell it right away - @Plasma : counts it in dollars, pays every Thursday in $XPL at that day's price - @EthenaPay : same idea, paid daily in $AVAX at the price when it lands - @ether_fi : converts it to $ETHFI when the purchase clears, then locks it for 7 days With Plasma One and Ethena Pay you can sell on arrival and keep what you earned. With EtherFi the price runs for a week before you can claim it, up or down Token or dollars, which cashback would you rather get?

Plasma lounge access is unlimited, but only for you @Plasma Platinum comes with a Priority Pass membership: - unlimited visits to 1,900+ airport lounges - claim a code in the app, sign up with Priority Pass and show their app at the desk - guests are not included, Priority Pass charges for each one - Platinum today = 100,000 XPL locked for 12 months Unlimited for the cardholder. The family still pays at the door

EtherFi rolled out 4 updates this week - Lounges: single-visit passes paid back in full, up to $49 each. Luxe gets 2 a year, Pinnacle and VIP one a day - Tags: pay anyone by their tag. The shorter the tag, the higher the membership it needs - AI connections: Claude or ChatGPT can read your transactions, cards and balances, but can't move money - Statements: account and card statements as PDF or CSV, plus a proof of ownership letter Next: @moonpay ramps inside the app and a virtual account with account and routing numbers, rolling out over the next few months @ether_fi keeps turning a Crypto Card into a full account

Would you give your AI agent its own card? Big US banks are saying no. They are blocking outside AI agents from customer accounts The card side is going the other way: - @oobit on @raincards : Grok, Muse and Dots agents pay in stablecoins with a single-use card for each purchase you approve - @moonpay PayBox: Claude, ChatGPT, Gemini or Grok pay from your own wallet, with a one-time card locked to the merchant and amount - @RobinhoodApp : a virtual credit card for your agent, with hard limits, approvals and 3% back - @Mastercard opened Agent Pay for Machines to developers after pilots with Coinbase and Cloudflare - @Visa has AI agents paying approved business invoices in a pilot with BILL and Billtrust What would you actually let an AI agent buy for you?

I paid with 6 Crypto Cards to see whose cashback actually reaches me Same purchase, same shop in Europe, all six within four minutes. Every card had to turn euros into dollars first, and that rate comes out of the cashback Promised, what reached me, and how it is paid: - @wirex_one (Bespoke): 8%, about 7.8%, in USD you can claim within a day - @useTria (Premium): 6%, about 4.3%, and it can take up to 12 months to arrive - @ether_fi (Luxe): 3%, about 3%, in ETHFI you claim after 7 days, from $5 - @Plasma (Core): 3%, about 1.8%, paid weekly in XPL - @RedotPay (Pro): 3%, about 0.5%, as card credit that expires in 30 days - @KASTxyz (Standard): 1.5%, below zero, as card credit after a 14-day lock KAST takes about 2% on the rate, more than its 1.5% back, and adds $0.10 on anything under $25 EtherFi and RedotPay both promise 3%. On EUR 1,000 a month that is about $36 back from EtherFi, and $11 lost with RedotPay once its $18 cap kicks in How much of your card's cashback actually reaches you?

Why does almost nobody use the MetaMask and Phantom cards? @MetaMask and @phantom are two of the most popular wallets in crypto. In September only 3,162 and 2,697 wallets paid with their cards. MetaMask had twice as many in April Some things to think about: - MetaMask's top download markets include the US, UK, India and Nigeria. Right now its card takes new signups in none of them - Phantom's are the US, Nigeria, UK and India. Its card works only in the US, minus New York - the Phantom card spends only CASH, a stablecoin Phantom launched with @Stablecoin, so you swap into it first - in both apps the card sits right next to swaps and trading Is it the cards, or do wallet users just not spend?

Deposit $10,000 in Wirex One and get $800 back over a year @wirex_one launched a deposit promo: 8% back on new deposits, paid in USD at every month end, $66.67 a month on $10,000 - fiat and stablecoin deposits until Nov 19 count, from $100, no cap - no lock-up, but each month pays on your lowest balance, and a month below $100 pays nothing - for new users or accounts at $0 on Oct 20, not in the UK If you were going to try it anyway, now is the time

Someone I invited locked 100,000 $XPL for a Plasma One Platinum card And @Plasma paid me $300 for it Platinum since Oct 2: - 1,159 members now, up from 1,006 - about 60 new ones a week in October - 115.9M $XPL locked for a year, 2.6% of the circulating supply - one lock is about $8,300 at today's price The catch: the $300 is spend credit. It only pays for card purchases, it can't be withdrawn, and for me it is still pending Would you lock 100,000 $XPL for a year to get this card?

1/ Q3 put more of the Wirex stack into production. Annualised onchain card spend passed $2B, more partner programmes went live, new settlement options joined the stack, and our infrastructure expanded into corporate banking. Here’s the quarter in review 🧵