Encrypto Card
Pay Visa merchants from your crypto balance with Encrypto Card while keeping control of your wallet keys.
Encrypto crypto card fees and USDC on Solana
What is Encrypto Card?
Encrypto Card is a self-custody Visa crypto debit card for on-chain spending, with no monthly or annual fee and variable conversion costs.
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Encrypto Card Overview
With Encrypto Card, you can spend on-chain crypto through a Visa debit card while keeping custody of your funds in a non-custodial wallet. It suits people paid in USDC and holders who want to use crypto for everyday purchases without first withdrawing to a bank. Direct wallet spending across nine supported blockchains is the main draw.
To fund it, deposit USDC or another supported asset into the wallet. You do not need a separate prepaid card balance. When you pay, Encrypto converts the amount needed and settles through Visa; the merchant receives local currency. After identity approval, you can use the virtual card online or add it to Apple Pay. A physical card is also available. Access remains invite only, with identity checks required. ATM withdrawals are listed as coming soon.
Encrypto charges no monthly or annual card fee, but spending is not cost-free. Conversion costs vary with the route and network costs, so check the live quote. Encrypto does not publish a fixed conversion percentage. The listed daily spending limit is $10,000. You can earn Encrypto Points on purchases, but no cashback rate is published. Idle stablecoins may also earn yield; no rate is stated in the supplied details. The appeal is fewer steps between holding crypto and paying a merchant. Variable conversion costs make it harder to budget than a card with a fixed fee schedule.
Encrypto Card Key features
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Self custody wallet
You keep control of your wallet keys through Privy's non custodial wallet. Encrypto states that it does not take custody of your funds.
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Direct crypto spending
You spend from supported on chain balances without a separate card top-up. Encrypto converts the amount needed at authorization, and the merchant receives local fiat through Visa.
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Instant virtual card
You can use the virtual card immediately after identity approval. Access is invite only, and Encrypto requires KYC.
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Physical card access
You can use a physical Visa card for in-store and contactless purchases. Encrypto ships the card to your address.
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Apple Pay support
You can add the virtual card to Apple Pay for contactless payments. Google Pay is listed as coming soon.
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Visa currency conversion
You can pay merchants that accept Visa, including those that charge in foreign currencies. Encrypto handles conversion automatically, but it does not publish a single fixed conversion rate.
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No recurring card fee
Encrypto charges no monthly or annual card fee. You receive a live conversion quote, with costs that vary by the route and assets used.
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Nine supported networks
You can fund the wallet across nine documented networks, including Ethereum and Solana. You see a combined spendable balance in the app.
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App spending controls
You can set spending limits or freeze the card in the app. You can also revoke card access.
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Balance and limits
You see your available balance update after each authorization, and you cannot spend beyond available funds. Encrypto lists a daily spending limit of $10,000.
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Linked bank transfers
You can send or receive bank transfers through the same self custody setup, with rails such as ACH and SEPA. Some methods, including Zelle, depend on availability.
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Stablecoin yield
You can earn yield on eligible stablecoin balances while keeping them available to spend. The supplied data does not state a yield rate.
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Encrypto Points rewards
You can earn points on spending through the early access program, and referrals can increase point multipliers. The supplied data does not state a cash redemption value or cashback rate.
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Black Tier waivers
Eligible Black Tier users can waive certain card transaction fees by posting enough collateral. This tier is invite only, and the supplied data does not state the collateral threshold or exact fees waived.
Encrypto Card Fees
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Monthly and annual Encrypto charges no monthly or annual fee to hold or use the card.
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Conversion costs You see a live conversion quote rather than a fixed published percentage, with costs that vary by asset and payment route.
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Cross chain gas You may pay extra gas for cross chain settlement compared with a single chain USDC spend.
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ATM and FX Once ATM access launches, Lead Bank and Visa network rules will govern ATM withdrawal fees and some foreign transaction costs; exact rates are not published.
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Black Tier waivers Black Tier users who post sufficient collateral can waive certain card transaction fees, but Encrypto does not publish the collateral threshold or specify which fees qualify.
Encrypto Card Supported networks
Ethereum
Base
Arbitrum
Optimism
Polygon
Avalanche
Solana- Stellar
Tron
How to use Encrypto Card
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Sign in and request access
Go to app.encrypto.fun and sign in by verifying your X (Twitter) account. Request early access through the app, or use a referral if the waitlist is closed.
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Verify your identity
Complete the identity checks required by Encrypto and its banking partners. Wait for approval before you use the card.
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Fund your wallet
Open the wallet and deposit USDC or another supported asset on a supported chain. You keep control of your wallet keys through Privy.
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Check your balance
Wait until you can see the deposit in your combined balance. You do not need to load a separate card balance.
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Check your virtual card
Open the card section and confirm that your virtual card is active. Add it to Apple Pay if you want to pay by phone.
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Make your first payment
Use the virtual card for an online purchase at a merchant that accepts Visa, or pay through Apple Pay where accepted. Check your available balance in the app after the merchant authorizes the payment.
Encrypto Card Demo video
Encrypto Card Screenshots
Encrypto Card User Reviews
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love how it keeps control in the user's hands
View on X ↗ -
self-custody plus t-bills is the right packaging. yield menus should not feel like opening 6 protocol tabs and praying the bridge works
View on X ↗ -
I got notification it has been refunded, saw it on notification history but its not on my card or wallet.
View on X ↗
Encrypto Card Review
Pros
- Encrypto charges no monthly or annual card fee.
- You keep control of your wallet keys through Privy's non custodial wallet.
- You can use the virtual card immediately after identity approval.
- You can add the virtual card to Apple Pay for contactless purchases.
- You can spend supported on chain balances without a separate card top-up.
- You can fund your wallet across nine supported blockchains.
- You can set spending limits or freeze the card in the app.
Cons
- You need an invite and X account verification to join early access.
- You must complete identity checks for full card access.
- You pay variable conversion costs rather than a fixed published rate.
- You may pay extra gas and wait longer when spending across chains.
- You cannot withdraw cash at ATMs yet.
- You need an invite to Black Tier and sufficient collateral for certain fee waivers.
- You earn points with no published cash cashback rate.
- Your on-chain assets have no FDIC deposit insurance.
Our verdict
I'd carry Encrypto Card as a backup if I earned USDC and wanted self-custody. You pay no monthly or annual fee, but conversion costs vary. Encrypto publishes no fixed conversion fee; check the spread and total fees. You earn points, with no published cashback rate. I'd use it daily after seeing consistently low all-in costs.
En funding
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Backing - date not published LinkedIn and company materials name Press Start Capital and unnamed angels as backers, with support through a BTCfi and Payments fellowship that includes the Sui Foundation; no round type, amount or lead investor is disclosed.
Is Encrypto Card safe & legit?
Lead Bank issues the Visa card for Encrypto Inc., led by CEO Brandon Sanchez; Encrypto lists backing from Press Start Capital and fellowship support from the Sui Foundation, but the supplied data does not name its founders. You keep your keys through Privy's self-custody wallet, though on-chain balances have no FDIC protection and you still face smart contract risk. Those company details support legitimacy, but I would stay cautious: Encrypto is young and invite-only, conversion costs vary, and one user reported a missing refund, an unresolved complaint in the supplied data rather than proof of fraud.
X account intel @encryptodotfun
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Based in United States
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Joined X June 2024 2 years ago
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Username changes 2 renames last on Oct 29, 2024
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Signup source Peru App Store
Public profile signals from X. Use as one input alongside other due-diligence.
Encrypto Card Updates
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shitposting can take you places- 2 replies
- 3 likes
- 81 views
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Sometimes home is wherever the wifi holds.
- 2 replies
- 4 likes
- 113 views
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Monday
- 1 replies
- 2 likes
- 69 views
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WE ARE SO BACK
- 2 likes
- 63 views
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my pronouns are all/in
- 6 likes
- 79 views
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intern here
passed the interview
I got the job
- 2 replies
- 1 reposts
- 12 likes
- 877 views
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100x leverage short on Cortisol
- 1 likes
- 73 views
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do u remember the first thing you bought with your own money?
what was it?- 1 likes
- 68 views
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40 min until the FOMC meeting.
Here we go again
- 1 replies
- 1 likes
- 176 views
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You choose.
Goon or Grind.
Gm (get money) or Gm (goon morning)
Lock in.
- 2 replies
- 6 likes
- 154 views
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bro who had 300 bucks in meme coins texting me about the clarity act not passing:
- 2 likes
- 111 views
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70+ year olds deciding the future of the country when they barely have one.
- 60 views
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Doesn’t matter
In the end we win- 1 likes
- 77 views
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Ready for whatever the Crypto Clarity Act resolution is.
- 4 likes
- 896 views
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Your crypto is frozen. 🥶
A bag on Hood chain, a stack on an exchange, coins in a wallet you never open.
A very confident screenshot.
Encrypto unfreezes it, unchains it and unlocks it, so you can use it.- 1 replies
- 4 likes
- 110 views
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paying for dinner with my biketyson is kinda wild ngl
- 1 replies
- 4 likes
- 91 views
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Life is priceless, for anything else, Encrypto.
- 1 replies
- 1 likes
- 100 views
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Big week
- 1 replies
- 52 views
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Watching the rapid development of AI is like watching the Chimera Ants when they start learning what Nen is.
- 75 views
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“how do young people get rich besides crypto?” is still the funniest open question on earth
- 2 replies
- 100 views
Encrypto Card Reviews & Comments
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