Our verdict
AI spenders + yield Availability is advertised for users in more than 160 supported countries, excluding restricted and sanctioned jurisdictions; verify eligibility during application.. The spreadsheet currently records free for recurring or annual fees and 3% base / 5% ai (xpl) for rewards.
Rewards
Published reward: 3% base / 5% AI (XPL). 3% base / 5% AI (XPL)
Stablecoin yield
Spreadsheet value: Up to 6% Earn vault.
Stablecoin yield may be a separate provider product or balance feature. It is not guaranteed card cashback, and rates, eligible assets and regional terms can change.
Fees
| Annual / recurring | Free |
|---|---|
| FX | 1.5% FX |
| Conversion | Not publicly confirmed |
| ATM | Not publicly confirmed |
| Limits | Limits vary by tier and jurisdiction and are shown in the card app/terms. |
Apple Pay and Google Pay
Not publicly confirmed
Not publicly confirmed
A blank spreadsheet wallet field is shown as “Not publicly confirmed,” not “No.” Wallet support can vary by issuing region.
Custody and payment model
Custodial account. Card type: Debit (self-custody, stablecoin). Identity checks: Light.
Availability
Advertised for users in more than 160 supported countries, excluding restricted and sanctioned jurisdictions; verify eligibility during application.
Regional summary: Global (166 countries).
Pros and cons
Potential strengths
- + AI spenders + yield
- + Official application route available
- + Product facts maintained in the Cards spreadsheet
Limitations
- − Eligibility varies by region
- − Rewards and rates can be conditional
- − Unknown fields require provider confirmation
Risks and detailed terms
Crypto conversion, custody, issuer, network, market and stablecoin risks may apply. Headline rewards and yields are not guaranteed for every user. Review the provider’s current fees, eligibility and cardholder terms before applying.
Official sources
Last verified in the spreadsheet: 2026-07-31