{
  "generatedAt": "2026-09-02",
  "site": "https://cryptocardinsider.com",
  "publisher": "CryptoCard Insider",
  "staleAfterDays": {
    "fees": 30,
    "promo": 14,
    "availability": 30
  },
  "disclaimer": "Independent and unofficial. Confirm time-sensitive details with issuers. Scores in the Card Lab are editorial estimates, not investment advice.",
  "cards": [
    {
      "id": "redotpay",
      "brand": "RedotPay",
      "name": "RedotPay Card",
      "networks": [
        "Visa"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "RedotPay Card: Fees, Availability & How to Open (2026) | CryptoCard Insider",
      "h1": "RedotPay Card — fees, availability, and how to open (2026)",
      "metaDescription": "RedotPay Visa fees (virtual $10, physical $100), RDVIR/RDPHY codes, emerging-market availability, and step-by-step open/fund guide. Verified 2026-08-29.",
      "directAnswer": "RedotPay is a stablecoin-first Visa for USDT/USDC spending, strong in emerging markets but blocked in US/EU/UK/CN/SG. As of 2026-08-29 (L2, RedotPay Help Center): virtual issuance is $10 USD ($8 with RDVIR), physical $100 ($80 with RDPHY), 1% crypto conversion on USD swipes, 2.2% all-in on non-USD. Checkout total in the RedotPay app is authoritative.",
      "detail": "Fees per RedotPay Help Center (Jul 2026). P2P funding popular in Africa, LATAM, and SE Asia. Physical delivery times vary by region.",
      "availability": "Strong in emerging markets; not available in US/EU/UK/CN/SG and several restricted regions.",
      "officialSources": [
        {
          "label": "RedotPay Help Center — Card fees",
          "url": "https://helpcenter.redotpay.com",
          "note": "Primary fee schedule"
        },
        {
          "label": "RedotPay app",
          "url": "https://redotpay.com",
          "note": "Live eligibility and checkout"
        }
      ],
      "statusAtGlance": {
        "Account signup": "Phone or email registration",
        "KYC": "Passport/national ID + selfie; usually under 30 min",
        "Virtual card": "Yes — $10 USD ($8 with RDVIR)",
        "Physical card": "Yes — $100 USD ($80 with RDPHY; shipping included)",
        "Local funding": "In-app P2P + on-chain USDT (TRC20 deposit free)",
        "Apple / Google Pay": "Supported where issuer enables"
      },
      "fees": [
        {
          "label": "Virtual issuance",
          "value": "10 USD (8 USD with RDVIR, 20% off)"
        },
        {
          "label": "Physical issuance",
          "value": "100 USD (80 USD with RDPHY, 20% off; shipping incl.)"
        },
        {
          "label": "USD swipe (card currency)",
          "value": "1% crypto-to-fiat conversion"
        },
        {
          "label": "Non-USD swipe",
          "value": "2.2% all-in (1% conversion + 1.2% FX)"
        },
        {
          "label": "ATM (physical, USD card)",
          "value": "2% up to 10,000 USD/mo; 3% above (+ conversion/FX if foreign currency)"
        },
        {
          "label": "Small / decline fees",
          "value": "$0.20 from 5th swipe/mo; $0.50 after 3rd decline/mo"
        }
      ],
      "promo": "RDVIR 20% off virtual (10→8 USD) / RDPHY 20% off physical (100→80 USD). RedotPay Pro subscription can waive issuance — see in-app.",
      "referral": {
        "url": "https://url.hk/i/en/xn03i",
        "code": "xn03i / RDVIR / RDPHY",
        "note": "Partner link embeds referral; activation codes apply at card open."
      },
      "howTo": [
        {
          "title": "Create account",
          "detail": "Install app and register with phone or email via partner link.",
          "minutes": "1 min"
        },
        {
          "title": "Complete KYC",
          "detail": "Passport/national ID + selfie. No bank statement usually required.",
          "minutes": "5 min"
        },
        {
          "title": "Fund wallet",
          "detail": "Buy USDT via in-app P2P or deposit TRC20 USDT (on-chain deposit free).",
          "minutes": "2–10 min"
        },
        {
          "title": "Open card",
          "detail": "Cards → Apply for virtual card (10 USD). Enter RDVIR at checkout if not auto-applied.",
          "minutes": "1 min"
        }
      ],
      "faq": [
        {
          "q": "What are RDVIR and RDPHY?",
          "a": "RDVIR is a 20% discount on virtual card issuance ($10→$8). RDPHY is a 20% discount on physical card issuance ($100→$80). Enter at card-order checkout; documented 2026-08-29 in promo-code-status.json."
        },
        {
          "q": "Is the $5 sign-up reward the same as RDVIR?",
          "a": "No. Registration/spending rewards are separate from card issuance promo codes. RDVIR/RDPHY apply only at card order."
        },
        {
          "q": "Can I use RedotPay in the United States?",
          "a": "No. RedotPay blocks US/EU/UK/CN/SG and several restricted regions as of 2026-08-29. Confirm residency rules in-app before applying."
        },
        {
          "q": "What stablecoins does RedotPay support?",
          "a": "USDT and USDC are primary funding assets. TRC20 USDT on-chain deposits are free; P2P rails vary by country."
        },
        {
          "q": "What is the all-in cost for non-USD purchases?",
          "a": "Approximately 2.2% all-in: 1% crypto conversion plus 1.2% FX on non-default-currency swipes per Help Center (Jul 2026)."
        },
        {
          "q": "Does RedotPay offer spending cashback?",
          "a": "RedotPay focuses on stablecoin spend and P2P funding rather than broad cashback programs. Check in-app for any limited campaigns."
        },
        {
          "q": "How long does physical card delivery take?",
          "a": "Varies by region — often weeks. Virtual card issues faster after KYC. Track shipment in-app."
        },
        {
          "q": "Are Card Lab scores official?",
          "a": "No. CryptoCard Insider scores are editorial estimates for comparison only, not investment advice."
        }
      ],
      "relatedLinks": [
        {
          "label": "RedotPay promo evidence",
          "url": "https://cryptocardinsider.com/promo-code"
        },
        {
          "label": "RedotPay vs Binance",
          "url": "https://cryptocardinsider.com/content/comparison-redotpay-vs-binance-card-20260719.html"
        }
      ]
    },
    {
      "id": "binance",
      "brand": "Binance",
      "name": "Binance Card",
      "networks": [
        "Mastercard"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "Binance Card: Global/APAC Fees & How to Open (2026) | CryptoCard Insider",
      "h1": "Binance Card — Global/APAC fees and how to open (2026)",
      "metaDescription": "Binance Global Mastercard fees: $0 issuance, 0.1% USDC conversion, 2% FX, EU Visa discontinued. App-gated eligibility — verified 2026-08-29.",
      "directAnswer": "Binance Card (Global/APAC Mastercard via Immersve) spends exchange balances with $0 issuance/annual/monthly fees. As of 2026-08-29: 0.1% conversion on USDC spend, 0.9% on other assets, 2% FX on most non-USD (exceptions exist); EU/UK Visa product discontinued Dec 2023. US/Canada not supported. Cards tab must appear in-app.",
      "detail": "Global/APAC Mastercard issued by Immersve (NZ). EU Visa shut down Dec 2023. Always confirm live Card FAQ before spending.",
      "availability": "Global/APAC virtual Mastercard; EU Visa discontinued 2023. Not available in US/Canada.",
      "officialSources": [
        {
          "label": "Binance Support — Card",
          "url": "https://www.binance.com/en/support/faq/crypto-card",
          "note": "Product availability"
        },
        {
          "label": "Binance app",
          "url": "https://www.binance.com",
          "note": "Pay/Card menu"
        }
      ],
      "statusAtGlance": {
        "Account signup": "Binance exchange account",
        "KYC": "Full verification; 30–120 min",
        "Virtual card": "Global Mastercard where supported",
        "Physical card": "Limited / region-dependent",
        "Local funding": "Binance wallet balances",
        "Apple / Google Pay": "Where offered in-app"
      },
      "fees": [
        {
          "label": "Issuance / annual / monthly",
          "value": "$0 (Global/APAC Mastercard)"
        },
        {
          "label": "FX (most countries)",
          "value": "2% on non-USD transactions"
        },
        {
          "label": "FX (exceptions)",
          "value": "0% Colombia/Peru/CIS/Armenia; 3% New Zealand"
        },
        {
          "label": "Crypto conversion",
          "value": "0.1% USDC; 0.9% other assets"
        },
        {
          "label": "Cashback",
          "value": "1–3% by monthly spend tier (region-dependent; USDC/BNB)"
        },
        {
          "label": "ATM",
          "value": "2 free withdrawals/mo where offered, then $1.50"
        }
      ],
      "promo": null,
      "referral": {
        "url": "https://www.binance.com/activity/referral-entry/CPA?ref=CPA_00259SK0JW",
        "code": "CPA_00259SK0JW",
        "note": "Partner CPA link — confirm Cards tab shows application for your country."
      },
      "howTo": [
        {
          "title": "Check live support",
          "detail": "Binance app → Pay/Card; if no card menu, product is unavailable in your region.",
          "minutes": "2 min"
        },
        {
          "title": "Complete Binance KYC",
          "detail": "Full identity verification with local ID; residency must match supported market.",
          "minutes": "30–120 min"
        },
        {
          "title": "Apply for virtual card",
          "detail": "Submit Global Mastercard application; approval often within minutes.",
          "minutes": "5–15 min"
        },
        {
          "title": "Fund & set payment asset",
          "detail": "Hold USDC for lowest 0.1% conversion; link Apple/Google Pay if shown.",
          "minutes": "5 min"
        }
      ],
      "faq": [
        {
          "q": "Is Binance Card still available in Europe?",
          "a": "The EU/UK Visa Binance Card was discontinued in December 2023. Some users may access Global/APAC Mastercard — confirm in-app."
        },
        {
          "q": "What is the cheapest asset to spend?",
          "a": "USDC at 0.1% conversion vs 0.9% on other crypto assets per documented fee schedule."
        },
        {
          "q": "Can Nigerians get Binance Card?",
          "a": "Availability is app-gated with no public country list. If Pay/Card is absent, use a country guide for alternatives like RedotPay."
        },
        {
          "q": "FX fee on foreign currency purchases?",
          "a": "2% on most non-USD transactions; 0% in Colombia/Peru/CIS/Armenia; 3% in New Zealand per documented exceptions."
        },
        {
          "q": "Cashback program?",
          "a": "1–3% by monthly spend tier, paid in USDC/BNB where offered. Region-dependent."
        },
        {
          "q": "Who issues the card?",
          "a": "Global/APAC Mastercard is issued via Immersve (New Zealand entity). Confirm issuer disclosure in-app."
        },
        {
          "q": "US residents?",
          "a": "Binance Card is not available in US/Canada as of documented product scope."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": [
        {
          "label": "RedotPay vs Binance",
          "url": "https://cryptocardinsider.com/content/comparison-redotpay-vs-binance-card-20260719.html"
        }
      ]
    },
    {
      "id": "etherfi",
      "brand": "Ether.fi",
      "name": "Ether.fi Cash Card",
      "networks": [
        "Visa"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "Ether.fi Cash Card: DeFi Fees & How to Open (2026) | CryptoCard Insider",
      "h1": "Ether.fi Cash Card — non-custodial fees and how to open (2026)",
      "metaDescription": "Ether.fi Cash Visa: vault setup, up to 3% USDC cashback, EUR 0% FX beta, ATM 2%. Heavier onboarding — verified 2026-08-29.",
      "directAnswer": "Ether.fi Cash is a non-custodial DeFi Visa where assets stay in a Gnosis Safe-style vault until spend. As of 2026-08-29 (L2, ether.fi Help Center Jul 2026): $0 annual; up to 3% USDC cashback on Core tier bands; 0% FX on EUR merchants (beta); 1% base FX + tier margin on other foreign currency; ATM 2% ($500 max/withdrawal). Best for ETH/USDC holders.",
      "detail": "Cashback credited as USDC, not wETH. EUR 0% FX is beta. Model tier margin on top of 1% base FX for non-EUR foreign spend.",
      "availability": "Growing globally; confirm residency and vault setup requirements before applying.",
      "officialSources": [
        {
          "label": "ether.fi Help Center",
          "url": "https://help.ether.fi",
          "note": "Cash card fees and cashback"
        },
        {
          "label": "ether.fi Cash",
          "url": "https://www.ether.fi/cash",
          "note": "Application and availability"
        }
      ],
      "statusAtGlance": {
        "Account signup": "ether.fi account + vault deployment",
        "KYC": "Identity verification; 15–40 min",
        "Virtual card": "Yes after vault + KYC",
        "Physical card": "Core tier $50 issuance (+ shipping)",
        "Local funding": "On-chain USDC/ETH to vault",
        "Apple / Google Pay": "Where eligible post-issuance"
      },
      "fees": [
        {
          "label": "Annual",
          "value": "$0"
        },
        {
          "label": "FX (non-USD, non-EUR)",
          "value": "1% base + 0–0.5% tier margin (Core); 0% added margin Pinnacle+"
        },
        {
          "label": "FX (EUR merchants)",
          "value": "0% markup (beta; Jun 2026)"
        },
        {
          "label": "Cashback (Core)",
          "value": "3% USDC on first $2,000/mo spend, then 1% / 0.5% bands"
        },
        {
          "label": "ATM",
          "value": "2%; max $500/withdrawal, 3 withdrawals per 24h"
        },
        {
          "label": "Physical card (Core)",
          "value": "$50 issuance (+ shipping per order screen)"
        }
      ],
      "promo": "Membership tiers (Luxe/Pinnacle) raise cashback caps — verify ether.fi Help Center before upgrading.",
      "referral": {
        "url": "https://www.ether.fi/@437d0c52",
        "code": "@437d0c52",
        "note": "Partner referral — vault setup and KYC required before card spend."
      },
      "howTo": [
        {
          "title": "Create Ether.fi account",
          "detail": "Start Cash application at ether.fi; confirm country in availability table.",
          "minutes": "5 min"
        },
        {
          "title": "Set up vault",
          "detail": "Deploy/connect self-custody vault (Safe) required for Cash spend path.",
          "minutes": "10–30 min"
        },
        {
          "title": "Fund vault",
          "detail": "Deposit USDC or ETH on supported chain; pay gas for on-chain transfer.",
          "minutes": "5–20 min"
        },
        {
          "title": "Complete KYC & issue card",
          "detail": "Pass identity checks, order virtual card, add Apple/Google Pay if eligible.",
          "minutes": "15–40 min"
        }
      ],
      "faq": [
        {
          "q": "Is Ether.fi Cash non-custodial?",
          "a": "Yes — assets remain in your vault (Safe-style) until delegated for card spend, unlike exchange custodial cards."
        },
        {
          "q": "What cashback do I earn?",
          "a": "Core tier: up to 3% USDC on first $2,000/mo, then lower bands. Paid in USDC per Help Center (Jul 2026)."
        },
        {
          "q": "EUR purchases FX?",
          "a": "0% markup on EUR merchant charges in beta as of Jun 2026. Other foreign currencies incur base FX + tier margin."
        },
        {
          "q": "Can beginners use USDT?",
          "a": "Ether.fi Cash targets ETH/USDC on supported chains. USDT-only beginners may find exchange cards simpler."
        },
        {
          "q": "Physical card cost?",
          "a": "Core physical issuance $50 plus shipping shown at order screen."
        },
        {
          "q": "ATM limits?",
          "a": "2% fee; max $500 per withdrawal; 3 withdrawals per 24 hours per Help Center."
        },
        {
          "q": "Vault setup required?",
          "a": "Yes — Cash spend path requires deploying/connecting a vault before card issuance."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    },
    {
      "id": "kast",
      "brand": "Kast",
      "name": "Kast Card",
      "networks": [
        "Visa"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "Kast Card: USD Fees, Cashback & How to Open (2026) | CryptoCard Insider",
      "h1": "Kast Card — USD spend fees and how to open (2026)",
      "metaDescription": "Kast Visa: 0% USD spend, 0% stablecoin top-up, 1.5–3% cashback tiers, FX 0.5–1.75%. Verified 2026-08-29 from Kast Help Center.",
      "directAnswer": "Kast is a USD-denominated Visa with stablecoin top-ups (USDC/USDT/USDe at 0% top-up fee). As of 2026-08-29 (L2, Kast Concierge): 0% on domestic USD card spend; non-USD FX 0.5–1.75%; cashback 1.5%/2%/3% on Standard/Premium/Private with caps; ATM $3 + 2%. Premium tiers carry annual fees — confirm kast.xyz pricing.",
      "detail": "USD spenders get the best economics; non-USD travelers should compare FX against cashback tier before committing.",
      "availability": "170+ countries per Kast; confirm live eligibility and tier pricing in-app.",
      "officialSources": [
        {
          "label": "Kast Concierge Help Center",
          "url": "https://concierge.kast.xyz",
          "note": "Fee schedule"
        },
        {
          "label": "Kast crypto cards",
          "url": "https://www.kast.xyz/crypto-cards",
          "note": "Tier pricing"
        }
      ],
      "statusAtGlance": {
        "Account signup": "Kast app registration",
        "KYC": "ID + liveness (Sumsub); ~10–30 min",
        "Virtual card": "Standard virtual free",
        "Physical card": "Paid metal tiers available",
        "Local funding": "Stablecoin deposit 0% top-up fee",
        "Apple / Google Pay": "Supported post-activation"
      },
      "fees": [
        {
          "label": "Standard annual",
          "value": "$0"
        },
        {
          "label": "USD card spend",
          "value": "0%"
        },
        {
          "label": "FX (non-USD)",
          "value": "0.5–1.75% (varies by country pair)"
        },
        {
          "label": "USD cashback",
          "value": "Standard 1.5% / Premium 2% / Private 3% (monthly caps apply)"
        },
        {
          "label": "Small / decline",
          "value": "$0.10 on non-USD tx under $25; $0.50 on declined tx"
        },
        {
          "label": "ATM",
          "value": "$3 flat + 2%"
        }
      ],
      "promo": "KAST Points stack on Premium/Private tiers — see kast.xyz/crypto-cards for current tier pricing.",
      "referral": {
        "url": "https://app.kast.xyz/referral/5RV9ZVTC",
        "code": "5RV9ZVTC",
        "note": "Partner referral — confirm country eligibility and tier pricing in-app."
      },
      "howTo": [
        {
          "title": "Download Kast",
          "detail": "Install app and confirm your country can apply for Visa.",
          "minutes": "1–2 min"
        },
        {
          "title": "Complete KYC",
          "detail": "ID upload + liveness (Sumsub); usually under 30 minutes.",
          "minutes": "10–30 min"
        },
        {
          "title": "Top up stablecoins",
          "detail": "Deposit USDC/USDT/USDe — 0% top-up fee; match network exactly.",
          "minutes": "5–15 min"
        },
        {
          "title": "Order & activate card",
          "detail": "Choose Standard virtual (free) or paid metal tier; bind Apple/Google Pay.",
          "minutes": "5 min"
        }
      ],
      "faq": [
        {
          "q": "Is USD spending really 0%?",
          "a": "Yes on USD-denominated card spend per Kast fee schedule. Non-USD merchant charges incur FX 0.5–1.75%."
        },
        {
          "q": "Top-up fees?",
          "a": "0% on stablecoin top-ups (USDC/USDT/USDe). Match deposit network exactly to avoid loss."
        },
        {
          "q": "Cashback tiers?",
          "a": "Standard 1.5%, Premium 2%, Private 3% USD cashback with monthly qualifying caps. Premium/Private have annual fees."
        },
        {
          "q": "Is Kast self-custody?",
          "a": "No — Kast is custodial. Compare to Ether.fi or MetaMask if self-custody is required."
        },
        {
          "q": "ATM cost?",
          "a": "$3 flat plus 2% per Kast Help Center fee schedule."
        },
        {
          "q": "Small transaction fees?",
          "a": "$0.10 on non-USD transactions under $25; $0.50 on declines from insufficient balance."
        },
        {
          "q": "Countries supported?",
          "a": "Kast claims 170+ countries — always confirm application path in-app for your residency."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    },
    {
      "id": "bitget",
      "brand": "Bitget",
      "name": "Bitget Wallet Card",
      "networks": [
        "Mastercard",
        "Visa"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "Bitget Wallet Card: Assetback & How to Open (2026) | CryptoCard Insider",
      "h1": "Bitget Wallet Card — assetback rewards and how to open (2026)",
      "metaDescription": "Bitget Wallet Card: 0.1 USDC activation within 72h, 2–3% assetback, $49 physical. Not the exchange card — verified 2026-08-29.",
      "directAnswer": "Bitget Wallet Card (distinct from Bitget exchange card) offers 2–3% assetback on spend. As of 2026-08-29 (L2, Bitget Wallet Help Center): activation 0.1 USDC on Base within 72h of KYC (10 USDC after); $0 annual; physical $49 incl. shipping; welcome bonus up to $20 for qualifying new spends. Confirm product name says Wallet Card in-app.",
      "detail": "Legacy zero-fee quota program replaced by assetback — do not assume permanent zero FX. Easy to confuse with Bitget exchange card.",
      "availability": "50+ countries via Bitget Wallet; verify Wallet Card product in Pay → Card.",
      "officialSources": [
        {
          "label": "Bitget Wallet Help Center",
          "url": "https://web3.bitget.com/helpCenter",
          "note": "Card activation and assetback"
        },
        {
          "label": "Bitget Wallet app",
          "url": "https://web3.bitget.com",
          "note": "Pay → Card"
        }
      ],
      "statusAtGlance": {
        "Account signup": "Bitget Wallet (Web3 wallet app)",
        "KYC": "ID + selfie; often ~1 min if docs clear",
        "Virtual card": "Yes — activate with Base USDC",
        "Physical card": "$49 USD incl. shipping (where offered)",
        "Local funding": "USDC/USDT top-up in wallet",
        "Apple / Google Pay": "Region-dependent"
      },
      "fees": [
        {
          "label": "Activation",
          "value": "0.1 USDC within 72h of KYC; 10 USDC after (Base network only)"
        },
        {
          "label": "Annual",
          "value": "$0"
        },
        {
          "label": "Assetback",
          "value": "2% base; 3% for new users or monthly threshold"
        },
        {
          "label": "Physical card",
          "value": "$49 USD incl. shipping (where offered)"
        },
        {
          "label": "Spend fees",
          "value": "Top-up/FX/conversion may apply per in-app fee screen"
        },
        {
          "label": "Welcome bonus",
          "value": "Up to $20 for eligible new card transactions"
        }
      ],
      "promo": "New cardholders: complete qualifying spends for up to $20 welcome bonus — check Pay → Card campaigns.",
      "referral": {
        "url": "https://web3.bitget.com/share/Xh4Fe?inviteCode=FBFOTaTo",
        "code": "FBFOTaTo",
        "note": "Partner invite — Bitget Wallet Card (not exchange card); activate within 72h of KYC."
      },
      "howTo": [
        {
          "title": "Open Bitget Wallet",
          "detail": "Latest app → Pay → Card; confirm Wallet Card (not exchange card).",
          "minutes": "2 min"
        },
        {
          "title": "Complete KYC",
          "detail": "ID + selfie; approval often within 1 minute if docs are clear.",
          "minutes": "10–40 min"
        },
        {
          "title": "Activate on Base",
          "detail": "Hold 0.1 USDC on Base; pay activation within 72h of KYC approval.",
          "minutes": "5 min"
        },
        {
          "title": "Top up & pick assetback",
          "detail": "Load USDC/USDT; choose reward asset (BTC, USDC, gold, etc.) in Card dashboard.",
          "minutes": "5–20 min"
        }
      ],
      "faq": [
        {
          "q": "Wallet Card vs Bitget exchange card?",
          "a": "Different products. Wallet Card is in Bitget Wallet app (Web3). Exchange card is a separate Bitget product — verify name in Pay → Card."
        },
        {
          "q": "Activation fee?",
          "a": "0.1 USDC on Base within 72 hours of KYC approval; rises to 10 USDC after window closes."
        },
        {
          "q": "What is assetback?",
          "a": "2% base rewards on spend, 3% for new users or meeting monthly spend threshold. Replaces legacy zero-fee quota program."
        },
        {
          "q": "Which network for activation?",
          "a": "Base network USDC only for the discounted 0.1 USDC activation."
        },
        {
          "q": "Physical card price?",
          "a": "$49 USD including shipping where physical cards are offered."
        },
        {
          "q": "Welcome bonus?",
          "a": "Up to $20 for eligible new card transactions per in-app campaign rules."
        },
        {
          "q": "Merchant exclusions?",
          "a": "Some merchant categories excluded from assetback — check Help Center category list."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    },
    {
      "id": "nexo",
      "brand": "Nexo",
      "name": "Nexo Card",
      "networks": [
        "Mastercard"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "Nexo Card: Credit/Debit Fees & How to Open (2026) | CryptoCard Insider",
      "h1": "Nexo Card — crypto-backed credit/debit fees (2026)",
      "metaDescription": "Nexo Mastercard: 0.2% weekday FX in EEA/UK/CH, up to 2% NEXO cashback, credit vs debit modes. Verified 2026-08-29.",
      "directAnswer": "Nexo Card offers crypto-backed credit or debit spend in EEA, UK, and selected European markets. As of 2026-08-29 (L2, Nexo Support): $0 annual/monthly/inactivity; weekday FX 0.2% in EEA/UK/CH vs 2% elsewhere (+0.5% weekend surcharge); ATM free to tier limit then 2%; up to 2% NEXO cashback at Platinum loyalty. Credit mode carries LTV/APR risk.",
      "detail": "Weekend FX windows use UTC rules. Physical card availability varies; verify in-app.",
      "availability": "EEA, UK, and selected European markets; virtual instant, physical ordering may be paused.",
      "officialSources": [
        {
          "label": "Nexo Support — Card limits and fees",
          "url": "https://support.nexo.com",
          "note": "FX and ATM tables"
        },
        {
          "label": "Nexo app",
          "url": "https://nexo.com",
          "note": "Credit vs debit setup"
        }
      ],
      "statusAtGlance": {
        "Account signup": "Nexo account at nexo.com",
        "KYC": "Identity verification; 20–60 min",
        "Virtual card": "Near-instant in supported countries",
        "Physical card": "Availability varies — check in-app",
        "Local funding": "Crypto collateral or fiat/stablecoin balance",
        "Apple / Google Pay": "Supported in EEA/UK markets"
      },
      "fees": [
        {
          "label": "Annual / monthly / inactivity",
          "value": "$0"
        },
        {
          "label": "FX (weekday, EEA/UK/CH)",
          "value": "0.2%"
        },
        {
          "label": "FX (weekday, rest of world)",
          "value": "2%"
        },
        {
          "label": "FX (weekend surcharge)",
          "value": "+0.5% on above rates"
        },
        {
          "label": "ATM",
          "value": "Free to tier limit (€200–€2,000/mo), then 2% (min €1.99/£1.99)"
        },
        {
          "label": "Cashback",
          "value": "Up to 2% in NEXO or 0.5% in BTC (Platinum loyalty)"
        }
      ],
      "promo": null,
      "referral": {
        "url": "https://nexo.com/ref/1a01pjemaj?src=ios-link",
        "code": "1a01pjemaj",
        "note": "Partner referral — EEA/UK focus; credit vs debit mode affects economics."
      },
      "howTo": [
        {
          "title": "Open Nexo account",
          "detail": "Register at nexo.com; complete identity verification.",
          "minutes": "20–60 min"
        },
        {
          "title": "Deposit collateral or fiat",
          "detail": "Credit mode: deposit crypto for credit line. Debit mode: fund stablecoin/fiat balance.",
          "minutes": "10–30 min"
        },
        {
          "title": "Order virtual card",
          "detail": "Cards section → apply; virtual issues near-instant in supported countries.",
          "minutes": "5–15 min"
        },
        {
          "title": "Set spend mode & limits",
          "detail": "Choose Credit vs Debit; enable LTV alerts before large spends.",
          "minutes": "5 min"
        }
      ],
      "faq": [
        {
          "q": "Credit vs debit mode?",
          "a": "Credit spends against crypto-backed credit line (LTV/APR risk). Debit spends funded balance. Choose in Cards settings."
        },
        {
          "q": "Weekday FX in Europe?",
          "a": "0.2% on weekday foreign currency spend in EEA/UK/CH per Nexo Support. Weekend adds +0.5% surcharge."
        },
        {
          "q": "Cashback requirements?",
          "a": "Up to 2% in NEXO or 0.5% in BTC at Platinum loyalty with portfolio minimums — verify current loyalty rules."
        },
        {
          "q": "ATM allowance?",
          "a": "Free withdrawals to tier limit (€200–€2,000/mo examples), then 2% with minimum fee."
        },
        {
          "q": "US residents?",
          "a": "Nexo Card targets EEA/UK/European markets. Confirm residency eligibility in-app."
        },
        {
          "q": "Physical card available?",
          "a": "Varies — virtual is primary; physical ordering may be paused in some countries."
        },
        {
          "q": "Is this a prepaid USDT card?",
          "a": "No — Nexo is crypto-backed credit/debit with distinct economics from simple stablecoin debit cards."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    },
    {
      "id": "metamask",
      "brand": "MetaMask",
      "name": "MetaMask Card",
      "networks": [
        "Mastercard"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "MetaMask Card: Linea Fees & How to Open (2026) | CryptoCard Insider",
      "h1": "MetaMask Card — Linea delegation fees (2026)",
      "metaDescription": "MetaMask Card (Baanx/Mastercard): EU/UK pilot, 0% virtual annual, 0.875% DeFi token fee, Linea USDC/USDT/wETH. Verified 2026-08-29.",
      "directAnswer": "MetaMask Card spends USDC/USDT/wETH via Linea delegation while funds stay self-custodied until authorized spend. As of 2026-08-29 (L2, MetaMask Help Center): EU/UK pilot (Baanx issuer); virtual $0 annual; Metal $199 annual; 0.875% on DeFi tokens; 0.5% stablecoin wrong-currency pairs; 1% cross-border (waived on Metal fair-use); ATM 2%. Check waitlist if Card tab missing.",
      "detail": "Delegation uses Linea — budget small gas (~$0.01). Metal tier adds higher limits and cross-border waiver.",
      "availability": "EU & UK pilot (Baanx issuer); expanding gradually — check MetaMask Card waitlist.",
      "officialSources": [
        {
          "label": "MetaMask Help — Limits and fees",
          "url": "https://support.metamask.io",
          "note": "Baanx-powered card fees"
        },
        {
          "label": "MetaMask Portfolio Card",
          "url": "https://portfolio.metamask.io",
          "note": "Waitlist and application"
        }
      ],
      "statusAtGlance": {
        "Account signup": "MetaMask wallet + Portfolio Card flow",
        "KYC": "Baanx issuer KYC; 15–45 min",
        "Virtual card": "$0 annual virtual tier",
        "Physical card": "Metal tier $199/year",
        "Local funding": "Linea USDC/USDT/wETH delegation",
        "Apple / Google Pay": "Post-activation where supported"
      },
      "fees": [
        {
          "label": "Virtual annual",
          "value": "$0"
        },
        {
          "label": "Metal annual",
          "value": "$199"
        },
        {
          "label": "DeFi tokens (wETH, etc.)",
          "value": "0.875% per spend"
        },
        {
          "label": "Stablecoin (wrong currency pair)",
          "value": "0.5% (exceptions apply)"
        },
        {
          "label": "Cross-border spend",
          "value": "1% (waived on Metal tier, fair-use limits)"
        },
        {
          "label": "ATM",
          "value": "2% (Metal: first $1,200/mo free, then 2%)"
        }
      ],
      "promo": null,
      "referral": {
        "url": "https://link.metamask.io/rewards?referral=8CC5HW",
        "code": "8CC5HW",
        "note": "Partner rewards link — EU/UK pilot; Linea delegation required."
      },
      "howTo": [
        {
          "title": "Check eligibility",
          "detail": "MetaMask Portfolio → Card; join waitlist if not yet available in your country.",
          "minutes": "3 min"
        },
        {
          "title": "Complete Baanx KYC",
          "detail": "Identity verification through issuer partner flow inside MetaMask.",
          "minutes": "15–45 min"
        },
        {
          "title": "Delegate Linea funds",
          "detail": "Move USDC/USDT/wETH to Linea; set delegation allowance for card spend.",
          "minutes": "5–15 min"
        },
        {
          "title": "Activate virtual card",
          "detail": "Issue digital card; add to mobile wallet; test small purchase.",
          "minutes": "5 min"
        }
      ],
      "faq": [
        {
          "q": "Where is MetaMask Card available?",
          "a": "EU and UK pilot as of 2026-08-29. Join waitlist in MetaMask Portfolio if Card tab is unavailable."
        },
        {
          "q": "Who issues the card?",
          "a": "Baanx (with Monavate as program manager) per MetaMask Help Center disclosures."
        },
        {
          "q": "Self-custody model?",
          "a": "Funds stay in your wallet on Linea until delegation authorizes card spend — not exchange custodial."
        },
        {
          "q": "Cheapest asset to spend?",
          "a": "Stablecoins in matching currency pairs avoid 0.5% wrong-pair fee. DeFi tokens like wETH incur 0.875%."
        },
        {
          "q": "Metal tier worth it?",
          "a": "Metal ($199/yr) waives cross-border 1% within fair-use and adds ATM allowance ($1,200/mo free). Model your travel spend."
        },
        {
          "q": "Which chain?",
          "a": "Linea for delegation and spend. Budget small gas for on-chain operations."
        },
        {
          "q": "US users?",
          "a": "Pilot focuses EU/UK — US availability not documented as of 2026-08-29."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    },
    {
      "id": "okx",
      "brand": "OKX",
      "name": "OKX Card",
      "networks": [
        "Mastercard"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "OKX Card: EEA Fees, USDG Cashback & How to Open (2026) | CryptoCard Insider",
      "h1": "OKX Card — EEA virtual card fees and cashback (2026)",
      "metaDescription": "OKX Card EEA/Norway: €0 issuance, 0% OKX FX, 0.1% spread, up to 10% USDG cashback for VIP 4+. Verified 2026-08-29.",
      "directAnswer": "OKX Card is an EEA/Norway virtual Mastercard (Jan 2026 launch) spending USDC/USDG with 0% OKX transaction and FX fees plus 0.1% stablecoin conversion spread. As of 2026-08-29 (L2, OKX Help Mar 2026): non-VIP 2% USDG cashback capped €10/mo; VIP 4+ up to 10% capped €1,000/mo. Iceland and Liechtenstein excluded. Set USDG as payment currency for cashback.",
      "detail": "USDC spend earns no ongoing cashback — switch payment currency to USDG. Cashback credits within 72h of settlement.",
      "availability": "EEA + Norway (Jan 2026); virtual only. Iceland & Liechtenstein excluded.",
      "officialSources": [
        {
          "label": "OKX Help — OKX Card cashback FAQ",
          "url": "https://www.okx.com/help/okx-card-cashback-program-faq",
          "note": "Effective Mar 2026 caps"
        },
        {
          "label": "OKX Pay",
          "url": "https://www.okx.com",
          "note": "Pay → Card application"
        }
      ],
      "statusAtGlance": {
        "Account signup": "OKX EEA account",
        "KYC": "EEA/Norway residency verification; 20–90 min",
        "Virtual card": "€0 issuance — virtual only",
        "Physical card": "Not offered at launch",
        "Local funding": "USDC/USDG in Pay wallet",
        "Apple / Google Pay": "Where enabled for virtual card"
      },
      "fees": [
        {
          "label": "Issuance / monthly / annual",
          "value": "€0 (virtual card)"
        },
        {
          "label": "Transaction & FX (OKX)",
          "value": "0%"
        },
        {
          "label": "Stablecoin spread",
          "value": "0.1% on USDC/USDG → EUR conversion"
        },
        {
          "label": "Cashback (non-VIP)",
          "value": "2% on USDG spend; cap €10/mo (from Mar 2026)"
        },
        {
          "label": "Cashback (VIP 3)",
          "value": "5% on USDG spend; cap €1,000/mo"
        },
        {
          "label": "Cashback (VIP 4+)",
          "value": "10% on USDG spend; cap €1,000/mo"
        }
      ],
      "promo": "Launch promos may offer higher short-term cashback — see OKX Pay → Card FAQ.",
      "referral": {
        "url": "https://www.glneokotyjv.com/join/41094255",
        "code": "41094255",
        "note": "Partner join link — EEA/Norway virtual card; set USDG for cashback."
      },
      "howTo": [
        {
          "title": "Verify OKX EEA account",
          "detail": "Complete KYC with EEA/Norway residency; Cards tab must appear.",
          "minutes": "20–90 min"
        },
        {
          "title": "Fund Pay wallet",
          "detail": "Deposit or buy USDC/USDG; set USDG as card payment currency for cashback.",
          "minutes": "5–15 min"
        },
        {
          "title": "Apply for virtual card",
          "detail": "Pay → Card → apply; virtual issues after approval (no shipping).",
          "minutes": "5–10 min"
        },
        {
          "title": "Spend & track cashback",
          "detail": "Use at Mastercard merchants; cashback credits to Pay in USDG within 72h of settlement.",
          "minutes": "2 min"
        }
      ],
      "faq": [
        {
          "q": "Which countries get OKX Card?",
          "a": "EEA plus Norway as of Jan 2026 launch. Iceland and Liechtenstein excluded. Residency must match."
        },
        {
          "q": "Physical card?",
          "a": "Virtual only at launch — no shipping required."
        },
        {
          "q": "Why USDG for cashback?",
          "a": "Ongoing cashback requires USDG as payment currency. USDC spend does not earn ongoing cashback per Mar 2026 FAQ."
        },
        {
          "q": "Non-VIP cashback cap?",
          "a": "2% on USDG spend capped at €10/month from March 2026."
        },
        {
          "q": "VIP cashback?",
          "a": "VIP 3: 5% capped €1,000/mo. VIP 4+: 10% capped €1,000/mo on USDG spend."
        },
        {
          "q": "FX fees?",
          "a": "0% OKX transaction and FX fees plus 0.1% stablecoin conversion spread documented for card spend."
        },
        {
          "q": "Global availability?",
          "a": "Not global at launch — EEA/Norway only. Confirm Cards tab for your residency."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    },
    {
      "id": "cryptocom",
      "brand": "Crypto.com",
      "name": "Crypto.com Visa Card",
      "networks": [
        "Visa"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-help-center",
      "title": "Crypto.com Visa Card: Tiers, CRO Cashback & How to Open (2026) | CryptoCard Insider",
      "h1": "Crypto.com Visa Card — tiers, fees, and how to open (2026)",
      "metaDescription": "Crypto.com Visa Level Up tiers: Midnight 0% rewards, up to 5% CRO on Obsidian, ATM $200–$1k/mo free. SG-issued FX per Help Center — verified 2026-09-02.",
      "directAnswer": "Crypto.com Prepaid Visa uses Level Up tiers (crypto.com/en/cards, verified 2026-09-02): Midnight Blue is free with 0% everyday CRO rewards; Plus/Pro/Private unlock 2–5% CRO with monthly caps on lower tiers. ATM: $200–$1,000 USD/mo free by tier, then 2%. HK/APAC users often receive Singapore-issued cards — SG Help Center (6043620) lists Midnight FX 0.5% (2% from 1 Sep 2026), Ruby/Jade 0% with caps changing Sep 2026. Card → Fees & Limits in-app is authoritative.",
      "detail": "Sources: crypto.com/en/cards; Help Center SG article 6043620. Not investment advice — CRO rewards and FX vary by region and tier.",
      "availability": "Wide global footprint including Hong Kong, Singapore, Australia, and much of APAC/EMEA; US has separate product scope. Sanctioned jurisdictions excluded.",
      "officialSources": [
        {
          "label": "Crypto.com Visa Card tiers",
          "url": "https://crypto.com/en/cards",
          "note": "Level Up rewards and ATM allowances"
        },
        {
          "label": "Help Center — SG fees & limits",
          "url": "https://help.crypto.com/en/articles/6043620-crypto-com-prepaid-visa-card-fees-and-limits-singapore-applicable-to-singapore-residential-address-users-only",
          "note": "FX, top-up, inactivity; HK often SG-issued"
        },
        {
          "label": "Help Center — Fees collection",
          "url": "https://help.crypto.com/en/collections/3374054-crypto-com-card-fees-limits",
          "note": "Pick article for your residency"
        }
      ],
      "statusAtGlance": {
        "Account signup": "Crypto.com exchange account",
        "KYC": "Passport/national ID + selfie; 10–30 min typical",
        "Virtual card": "Yes after tier approval",
        "Physical card": "Free on eligible tiers; shipping may apply",
        "Local funding": "Crypto or fiat in Crypto.com wallet",
        "Apple / Google Pay": "Supported where issuer enables"
      },
      "fees": [
        {
          "label": "Midnight Blue (entry)",
          "value": "$0 subscription/lockup; 0% CRO everyday rewards (crypto.com/en/cards)"
        },
        {
          "label": "Plus / Pro / Private tiers",
          "value": "From $4.99/mo or CRO lockup; 2–5% CRO rewards with monthly caps on lower tiers"
        },
        {
          "label": "Virtual card",
          "value": "Free to apply (physical: e.g. S$4.99 Midnight on SG schedule)"
        },
        {
          "label": "FX (SG-issued, Midnight)",
          "value": "0.5% foreign transactions today; 2% from 1 Sep 2026 (Help Center SG)"
        },
        {
          "label": "FX (SG-issued, Ruby+)",
          "value": "0% today; monthly FX allowance then 2% from 1 Sep 2026 on some tiers"
        },
        {
          "label": "ATM",
          "value": "Free $200–$1,000 USD/mo by tier; 2% above allowance + operator fees"
        },
        {
          "label": "Top-up",
          "value": "Debit 0% / credit 1% / Apple Pay 2% (SG Help Center); region may differ"
        },
        {
          "label": "Inactivity",
          "value": "S$5/mo after 12 months no activity (→S$6 from 1 Sep 2026, SG schedule)"
        }
      ],
      "promo": "Referral and welcome campaigns vary by region — check Crypto.com app after signup.",
      "referral": {
        "url": "https://crypto.com/app/77gafpkkbz",
        "code": "77gafpkkbz",
        "note": "Partner referral — Visa tiers and CRO staking rules vary by region; confirm card menu in-app."
      },
      "howTo": [
        {
          "title": "Download Crypto.com",
          "detail": "Install app via partner link; confirm Cards tab for your residency.",
          "minutes": "2 min"
        },
        {
          "title": "Complete KYC",
          "detail": "Passport/national ID + selfie; Hong Kong ID commonly accepted.",
          "minutes": "10–30 min"
        },
        {
          "title": "Fund wallet",
          "detail": "Buy or deposit crypto/fiat; higher tiers need CRO stake.",
          "minutes": "5–20 min"
        },
        {
          "title": "Apply for Visa card",
          "detail": "Cards → choose tier; virtual issues after approval.",
          "minutes": "5–15 min"
        }
      ],
      "faq": [
        {
          "q": "Does Crypto.com Visa work in Hong Kong?",
          "a": "Hong Kong residents commonly apply via the Crypto.com app; many receive Singapore-issued cards — confirm Card tab and Fees & Limits after KYC."
        },
        {
          "q": "Midnight Blue rewards?",
          "a": "0% CRO on everyday spending per crypto.com/en/cards (Sep 2026). Higher tiers unlock 2–5% with caps."
        },
        {
          "q": "Do I need CRO staking?",
          "a": "Midnight Blue needs no lockup. Plus tier and above require Level Up subscription and/or CRO lockup per crypto.com/en/cards."
        },
        {
          "q": "ATM fees?",
          "a": "$200–$1,000 USD/mo free withdrawal allowance by tier; 2% on amounts above per Help Center schedules."
        },
        {
          "q": "FX on foreign purchases?",
          "a": "Varies by issuing region and tier. SG-issued Midnight: 0.5% today (2% from 1 Sep 2026). Check Card → Fees & Limits."
        },
        {
          "q": "Physical card cost?",
          "a": "SG schedule: S$4.99 Midnight physical issuance; Ruby S$39.99 unless Level Up Plus subscriber meets waiver rules."
        },
        {
          "q": "Self-custody?",
          "a": "No — prepaid Visa draws from Crypto.com wallet balance until merchant settlement."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    },
    {
      "id": "bkj",
      "brand": "BKJ",
      "name": "BKJ Card",
      "networks": [
        "Visa"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-product-page",
      "title": "BKJ Card: Stablecoin Visa Fees & How to Open (2026) | CryptoCard Insider",
      "h1": "BKJ Card — stablecoin Visa fees and how to open (2026)",
      "metaDescription": "BKJ Visa: $0 annual fee (bkj.com/card), USDT/USDC on ETH+Tron. Activation fee at checkout — confirm in BKJ app. Verified 2026-09-02.",
      "directAnswer": "BKJ Card (bkj.com/card, verified 2026-09-02): $0 annual fee; stablecoin top-ups via USDT/USDC on Ethereum and Tron with real-time fiat conversion at Visa merchants. Activation and conversion fees are shown in the BKJ app at checkout — Terms §7 states fees are auto-deducted and non-refundable. BKJ official communications cite 10 USDT activation; treat in-app checkout as authoritative.",
      "detail": "Official: bkj.com/card; bkj.com/terms-service §7. We do not publish unverified FX/conversion percentages — use Platform fee screen before spending.",
      "availability": "180+ countries per BKJ; Hong Kong–headquartered. Must be 18+ in a supported jurisdiction — confirm in-app.",
      "officialSources": [
        {
          "label": "BKJ Card product page",
          "url": "https://www.bkj.com/card/",
          "note": "Zero annual fee; USDT/USDC ETH+Tron"
        },
        {
          "label": "BKJ Terms of Service",
          "url": "https://www.bkj.com/terms-service/",
          "note": "§7 Services Fees — non-refundable"
        }
      ],
      "statusAtGlance": {
        "Account signup": "BKJ app registration",
        "KYC": "Government ID + liveness; often same-day",
        "Virtual card": "Yes after KYC + activation fee",
        "Physical card": "Where offered — confirm in-app",
        "Local funding": "Stablecoin top-ups (USDT/USDC)",
        "Apple / Google Pay": "Where supported post-issuance"
      },
      "fees": [
        {
          "label": "Annual",
          "value": "$0 — “Zero annual fee” (bkj.com/card)"
        },
        {
          "label": "Activation",
          "value": "Fee at checkout in BKJ app (official posts cite 10 USDT; Terms §7: auto-deducted, non-refundable)"
        },
        {
          "label": "Stablecoin top-up",
          "value": "USDT/USDC on Ethereum and Tron (bkj.com/card)"
        },
        {
          "label": "Spend conversion / FX",
          "value": "Per Platform fee schedule in BKJ app (Terms §7.1)"
        },
        {
          "label": "ATM",
          "value": "Global Visa ATM network; operator surcharges may apply"
        },
        {
          "label": "Physical card",
          "value": "Where offered — confirm in BKJ app"
        }
      ],
      "promo": "New-user signup and community campaigns may offset activation — verify live BKJ promotions.",
      "referral": {
        "url": "https://h5.bkj.com/r/W7J4Q?lang=en-US",
        "code": "W7J4Q",
        "note": "Partner referral — BKJ Wallet Card; 10 USDT activation fee; confirm country list in-app."
      },
      "howTo": [
        {
          "title": "Download BKJ app",
          "detail": "Register via partner link; confirm country is supported.",
          "minutes": "2 min"
        },
        {
          "title": "Complete KYC",
          "detail": "Government ID + liveness verification.",
          "minutes": "10–30 min"
        },
        {
          "title": "Fund with stablecoins",
          "detail": "Top up USDT/USDC; match network exactly.",
          "minutes": "5–15 min"
        },
        {
          "title": "Activate virtual Visa",
          "detail": "Apply for virtual card; pay 10 USDT activation at checkout.",
          "minutes": "5 min"
        }
      ],
      "faq": [
        {
          "q": "Annual fee?",
          "a": "$0 per bkj.com/card (“Zero annual fee for a worry-free payment experience”)."
        },
        {
          "q": "Activation fee?",
          "a": "Shown at checkout in BKJ app. Terms §7: auto-deducted, non-refundable. BKJ official posts commonly cite 10 USDT."
        },
        {
          "q": "Which stablecoins and chains?",
          "a": "USDT and USDC on Ethereum and Tron per bkj.com/card."
        },
        {
          "q": "Hong Kong residents?",
          "a": "BKJ is HK-headquartered; confirm your country in the BKJ app KYC flow."
        },
        {
          "q": "FX and conversion fees?",
          "a": "Not published as a fixed % on bkj.com — check Platform fee schedule in-app before spending (Terms §7.1)."
        },
        {
          "q": "Refund activation fee?",
          "a": "No — Terms §7.3: all fees paid are non-refundable."
        },
        {
          "q": "Physical card?",
          "a": "Virtual and physical cards listed on bkj.com/card — confirm availability in-app."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    },
    {
      "id": "dpt",
      "brand": "DPT",
      "name": "DPT Oxygen Card",
      "networks": [
        "Visa"
      ],
      "lastVerified": "2026-09-02",
      "evidenceLevel": "L2-official-product-page",
      "title": "DPT Oxygen Card: Visa Platinum Fees & How to Open (2026) | CryptoCard Insider",
      "h1": "DPT Oxygen Card — Visa Platinum fees and how to open (2026)",
      "metaDescription": "DPT Oxygen: virtual $10 / physical $50, USD spend free, FX 0–2%, ATM 2%. Official dpt.xyz learn pages — verified 2026-09-02.",
      "directAnswer": "DPT Oxygen Visa Platinum (dpt.xyz/learn/what-is-dpt-pay, verified 2026-09-02): virtual card $10 USD one-time, physical $50 USD (7–14 day ship). USD POS spending: 0% card fee. Non-USD FX: 0%–2%. ATM: 2% with ~3 withdrawals/day and ~$750/day total. $5 signup voucher offsets spend only. No monthly or inactivity fees per dpt.xyz/learn/crypto-card-fees-explained.",
      "detail": "Full schedule: dpt.xyz/faq/card-fees-limits. Custody BitGo; issuer U.S. Bank under Visa licence per DPT Help disclosures.",
      "availability": "Spend in 150+ countries; issuing eligibility jurisdiction-gated. US persons may be excluded — confirm in DPT app.",
      "officialSources": [
        {
          "label": "What is DPT Pay — pricing",
          "url": "https://dpt.xyz/learn/what-is-dpt-pay/",
          "note": "Card application and FX/ATM fees"
        },
        {
          "label": "Crypto card fees explained",
          "url": "https://dpt.xyz/learn/crypto-card-fees-explained/",
          "note": "No monthly/inactivity fees; replacement $10"
        },
        {
          "label": "Card fees FAQ category",
          "url": "https://dpt.xyz/faq/",
          "note": "Card Fees and Limits section"
        }
      ],
      "statusAtGlance": {
        "Account signup": "DPT app + email",
        "KYC": "Photo ID + address if requested; 2–10 min typical",
        "Virtual card": "$10 USD application — instant",
        "Physical card": "$50 USD — ships 5–14 business days",
        "Local funding": "USDC/USDT deposit or fiat on-ramp",
        "Apple / Google Pay": "Supported where available"
      },
      "fees": [
        {
          "label": "Virtual application",
          "value": "$10 USD one-time (dpt.xyz/learn/what-is-dpt-pay)"
        },
        {
          "label": "Physical application",
          "value": "$50 USD; ships 7–14 business days"
        },
        {
          "label": "Monthly / inactivity",
          "value": "$0 — none published"
        },
        {
          "label": "USD POS spending",
          "value": "0% card fee"
        },
        {
          "label": "Non-USD FX",
          "value": "0%–2% depending on transaction currency"
        },
        {
          "label": "ATM",
          "value": "2% of withdrawal; max ~3/day and ~$750/day total"
        },
        {
          "label": "Stablecoin conversion",
          "value": "Real-time channel rate at spend"
        },
        {
          "label": "Physical replacement",
          "value": "$10 (physical only)"
        },
        {
          "label": "Signup voucher",
          "value": "$5 on signup — offsets card spend only, not withdrawable"
        }
      ],
      "promo": "$5 registration voucher credited on signup — applies to card transactions, not withdrawable as cash.",
      "referral": {
        "url": "https://ref.dpt.xyz?ref=VF9A58Z3",
        "code": "VF9A58Z3",
        "note": "Partner referral — DPT Oxygen Visa Platinum; KYC and jurisdiction checks in-app."
      },
      "howTo": [
        {
          "title": "Download DPT app",
          "detail": "Create account via partner link; check supported jurisdictions.",
          "minutes": "2 min"
        },
        {
          "title": "Complete KYC",
          "detail": "Photo ID + proof of address if requested.",
          "minutes": "5–15 min"
        },
        {
          "title": "Fund USDC/USDT",
          "detail": "Crypto deposit or fiat on-ramp.",
          "minutes": "5–20 min"
        },
        {
          "title": "Order Oxygen virtual card",
          "detail": "Pay $10 application; add to Apple/Google Pay.",
          "minutes": "5 min"
        }
      ],
      "faq": [
        {
          "q": "Virtual vs physical cost?",
          "a": "$10 USD virtual vs $50 USD physical per dpt.xyz/learn/what-is-dpt-pay."
        },
        {
          "q": "Monthly fee?",
          "a": "None per dpt.xyz/learn/crypto-card-fees-explained."
        },
        {
          "q": "FX on USD spends?",
          "a": "0% card fee on USD transactions per dpt.xyz/learn/what-is-dpt-pay."
        },
        {
          "q": "ATM limits?",
          "a": "2% fee; up to ~3 withdrawals per day and ~$750 USD per day total (same source)."
        },
        {
          "q": "$5 voucher withdrawable?",
          "a": "No — offsets card transactions only; cannot be withdrawn as cash."
        },
        {
          "q": "Which stablecoins?",
          "a": "USDC and USDT on Ethereum, Polygon, Tron, or Solana per DPT signup flow."
        },
        {
          "q": "Physical replacement?",
          "a": "$10 for physical card replacement per dpt.xyz/learn/crypto-card-fees-explained."
        },
        {
          "q": "Affiliate link?",
          "a": "Partner link disclosed on CryptoCard Insider as of 2026-09-02T17:45. Confirm eligibility and checkout in-app."
        }
      ],
      "relatedLinks": []
    }
  ]
}