Peanut Me Card

Spend USDC at Visa merchants with Peanut Me Card while keeping funds above your card limit in your own wallet.

Be the first to rate Safety check Updated
Launch Peanut Me
Preview of Peanut Me Card

Peanut Me virtual crypto card: USDC on Arbitrum and fees

What is Peanut Me Card?

Peanut Me Card is a virtual Visa crypto card for spending USDC from a self custody wallet, with no monthly fee and a 1% Visa fee on currency conversion.

Ready to try Peanut Me Card?

Open the official site and get started in a few clicks.

Launch Peanut Me

Peanut Me Card Overview

With the Peanut Me Card, you can spend USDC through a virtual Visa card inside the Peanut money app. It suits stablecoin holders and cross border workers who want to pay merchants without moving their whole balance to a custodial card provider. Use it online or add it manually to Apple Pay or Google Pay for tap payments. There is no plastic card.

You fund your Peanut balance with supported crypto deposits or bank transfers. For card spending, you use USDC on Arbitrum and choose a card limit. Only that amount goes into card collateral; you keep the rest in your self custody wallet. Returning collateral requires approval from both you and the issuer, subject to cooldown rules.

Peanut charges no card creation or monthly fee and no fee to load the card from your Peanut balance. For dollar purchases, Peanut adds no spending fee. For other currencies, you pay Visa's exchange rate plus a 1% International Service Assessment, with no extra Peanut FX markup. No standard cashback rate is published; Peanut lists referral rewards instead.

The main draw is control over how much USDC you commit to card spending. Access remains in closed beta through a waitlist, with some invite exceptions, and every cardholder must complete identity checks. It is a better fit for everyday merchant payments than for anyone who needs reliable ATM access.

Peanut Me Card Key features

  • Virtual Visa card

    Get a virtual Visa number, expiry date, and CVV in the Peanut app. Use it for online payments, subscriptions, and in-app purchases without a plastic card.

  • Apple Pay and Google Pay

    Add the virtual card to Apple Pay or Google Pay by entering the card details manually. You can then use your phone for contactless payments in stores.

  • Self custody wallet

    The main Peanut balance stays in a passkey-protected smart wallet that you control. Keys stay on your device, and Peanut says it cannot freeze or seize that main balance.

  • Collateral card limit

    Choose how much USDC backs the card. Only that amount moves into the collateral contract, while the rest stays in your main smart account.

  • No same-currency fee

    Peanut adds no spend fee when the purchase currency matches your dollar balance.

  • Visa currency conversion

    For purchases in another currency, Visa sets the exchange rate and applies a 1% International Service Assessment. Peanut says it adds no separate foreign exchange fee.

  • In-app 3D Secure

    Some merchants require an extra check. Peanut sends a one-time code through an in-app notification instead of an SMS from a bank.

  • Adjustable card limit

    Raise or lower the card limit in the app. This limit is separate from regional fiat monthly limits.

  • Referral rewards

    Referral rewards continue to accrue when you or your network pay by card. You claim them from the app rather than at the payment terminal.

  • Free collateral loading

    Peanut charges no fee to move funds from your Peanut balance into card collateral. Peanut covers network gas on supported crypto deposits and withdrawals.

  • USDC on Arbitrum

    The card settles against USDC on Arbitrum. Peanut also lists Solana, Base, Tron, Ethereum, and Polygon for deposits that feed the same dollar balance.

  • Closed beta access

    Access remains gated by a waitlist, badge eligibility, or invite code. Availability depends on the current rollout.

  • KYC required

    Every cardholder must complete identity checks with photo ID and a selfie. The card is for individuals aged 18 or older, not businesses.

Peanut Me Card Fees

  • Issuance fee Peanut charges no fee to create the virtual card.
  • Recurring fees Peanut charges no monthly or annual card fee.
  • Top-up fee Peanut charges no fee to add funds from your Peanut balance and covers gas on supported crypto rails.
  • Same currency purchases Peanut charges no spend fee when the purchase currency matches your dollar balance.
  • Currency conversion fee Visa converts purchases at its network exchange rate plus a 1 percent International Service Assessment, and Peanut adds no extra FX fee.

Peanut Me Card Supported networks

  • Solana
  • Arbitrum
  • Base
  • Tron
  • Ethereum
  • Polygon
  • Optimism

How to use Peanut Me Card

  1. Join the card flow

    Open the Peanut app or peanut.me/shhhhh, then create or sign into your account. Request the virtual card in Profile, then Card, or join the waitlist if access is still gated.

  2. Verify your identity

    Complete the card KYC check when Peanut asks for it. Submit a photo ID and selfie through Sumsub, and make sure you are 18 or older and applying as an individual.

  3. Fund your balance

    Add USDC to your Peanut balance, or use a supported route such as USDT or ETH conversion and supported bank rails. The card uses USDC on Arbitrum as its settlement balance.

  4. Set your card limit

    After approval, choose the card limit in the app and keep enough USDC available to cover that amount as collateral. Funds above the limit stay in your main self custody wallet.

  5. Make your first payment

    Open Profile, then Card, and copy the card number, expiry date, and CVV for an online Visa payment. For in-person use, add the details manually to Apple Pay or Google Pay, then approve any 3-D Secure request from a Peanut notification.

Peanut Me Card Demo video

Peanut Me Card Screenshots

Peanut Me Card User Reviews

  • @kamilhussen24
    @kamilhussen24 Jul 7, 2026

    Peanut Card Experience
    Deposited: $5
    Spent: $5
    Hidden Fees: $0
    Extra Charges: $0
    Exactly what I deposited is exactly what I was able to spend. No deductions, no unexpected fees.
    So far, Peanut Card is keeping it simple and transparent.

    View on X ↗
  • @alistrago_crypt
    @alistrago_crypt Aug 22, 2026

    Peanut Card update
    Got my virtual Peanut Card and I'm already using it successfully. So far, so good
    The project is still in beta, and I'm really looking forward to getting the physical card.
    My current queue number is #562

    View on X ↗
  • @dontfadehim
    @dontfadehim Sep 4, 2026

    I've used the peanut card, it works in my region

    View on X ↗
Used Peanut Me Card? Share your experience — your review helps other traders decide. Write a review →

Peanut Me Card Review

Pros

  • Peanut charges no issuance fee or recurring card fee.
  • You keep control of funds above your chosen card collateral limit.
  • You can add the virtual card to Apple Pay or Google Pay for tap payments.
  • Peanut charges no fee to move your Peanut balance into card collateral.
  • Peanut covers gas for deposits and withdrawals on supported chains.
  • Peanut adds no spend fee when you pay in US dollars.
  • You pay Visa exchange rates plus a 1% Visa fee on currency conversions, with no Peanut markup.
  • You can raise or lower your card limit in the app.

Cons

  • Visa charges a 1% fee on purchases that require currency conversion.
  • You need the issuer's co-signature to return card collateral to your wallet.
  • You may have to wait for closed beta access.
  • Peanut issues only a virtual card, with no plastic option.
  • Every cardholder must complete identity checks.
  • Peanut has no published card cashback rate; rewards depend on referrals.

Our verdict

I'd carry Peanut Me Card as a backup for USDC-funded travel. You control the main balance; the issuer shares control over card collateral. There's no recurring fee or cashback; foreign purchases use Visa's rate plus 1%. Funding conversion spreads aren't specified, so I wouldn't call 1% the all-in cost. I'd drop it if funding spreads made my bank card cheaper.

Peanut Me funding

  • Founded by Konrad Urban and Hugo Montenegro are co-founders and CEOs of Peanut, built by London-based Squirrel Labs Ltd.

Is Peanut Me Card safe & legit?

Peanut Me Card appears legitimate: Konrad Urban and Hugo Montenegro founded Squirrel Labs Ltd, the London company behind the app, though the supplied sources name no backers and do not firmly establish Third National as the card issuer. You keep your main balance in self-custody, but Rain manages the card collateral contract, and you need the issuer's co-signature to return that money to your wallet. The supplied sources describe no widely reported custodial loss, but I would confirm the issuer in the live terms before depositing much, given the smart contract risks and closed beta limits.

X account intel @joinpeanut

  • Joined X September 2022 4 years ago
  • Username changes Never renamed

Public profile signals from X. Use as one input alongside other due-diligence.

Security scan checked Nov 13, 2026

  • Google Web Risk Not flagged
  • MetaMask Not flagged
  • Phantom Not flagged
  • ScamSniffer Not flagged
  • EtherAddressLookup Not flagged
  • Keplr Wallet Not flagged

Domain peanut.me checked against Google's lists of unsafe sites and public crypto wallet blacklists.

This is an automated check, not a security audit. The summary is drafted from the project's own pages and public posts, and the domain is looked up on public blocklists. Nothing here is financial advice: only put in money you can afford to lose. How we review listings

Peanut Me Card Updates

  1. Peanut Me Card logo
    Peanut
    Adult life stack 2026:
    + global health insurance as a subscription
    + euro account that gives you magic internet money
    + cryptographically biometrically super duper secured wallet THAT YOU ACTUALLY OWN
    + card to spend anywhere
    It’s possible
    • 2 replies
    • 3 reposts
    • 27 likes
    • 4.4K views
  2. Peanut Me Card logo
    Peanut
    ¿Y mi plata?
    En Peanut, en una cuenta que solo vos abrís y solo vos movés, con tu cara o tu huella. Peanut no puede congelar tu saldo.
    Aplica a tu saldo; la Peanut Card funciona distinto.
    Buscá Peanut en App Store o Google Play.
    1 more in this thread
    Cómo funciona Peanut, en tu idioma: https://peanut.me/es-419?utm_source=twitter&utm_medium=social&utm_campaign=py-moment&utm_content=py3
    • 1 replies
    • 14 likes
    • 1.9K views
  3. Peanut Me Card logo
    Peanut
    Martes 3, 07:10. «Vi lo de tu banco. ¿Dónde te pago?»
    «A esta. Está a mi nombre, en Estados Unidos.»
    Datos de cuenta en USD y EUR a tu nombre; llega en dólares a tu saldo Peanut.
    1 more in this thread
    Cuentas en USD y EUR a tu nombre, en la app: https://peanut.me/es-419?utm_source=twitter&utm_medium=social&utm_campaign=py-moment&utm_content=py2
    • 1 replies
    • 11 likes
    • 1.3K views
  4. Peanut Me Card logo
    Peanut
    Turno 2.941.996. Espera: hasta 15 días, prorrogable. Gracias por su paciencia.
    Tu próximo pago de afuera no saca número: datos de cuenta en USD y EUR a tu nombre, y llega en dólares a tu saldo Peanut.
    1 more in this thread
    Cuentas en USD y EUR a tu nombre, en la app: https://peanut.me/es-419?utm_source=twitter&utm_medium=social&utm_campaign=py-moment&utm_content=py1
    • 2 replies
    • 20 likes
    • 4K views
  5. Peanut Me Card logo
    Peanut
    maniceros
    • 2.4K views
  6. Peanut Me Card logo
    Peanut
    Monday: $2,400 from a US client.
    Wednesday: a payment from a studio in Europe.
    Friday: $800 from a magazine.
    Share your US and EU account details once.
    https://peanut.me/us-europe-accounts?utm_source=twitter&utm_medium=social&utm_campaign=launch-films&utm_content=ua3
    • 4 replies
    • 2 reposts
    • 134 likes
    • 4.9M views
  7. Peanut Me Card logo
    Peanut
    Te paga una agencia de Berlín. Te paga una empresa de EE. UU. Te paga un estudio de Ámsterdam.
    Tené datos de cuenta en USD y EUR a tu nombre, para que tus clientes del exterior te paguen como a un local.
    • 4 replies
    • 8 reposts
    • 255 likes
    • 2.9M views
  8. Peanut Me Card logo
    Peanut
    No invite code. No waitlist.
    Get the app, claim your @name, and you're in.
    https://peanut.me/?utm_source=twitter&utm_medium=social&utm_campaign=launch-films&utm_content=os3
    • 3 replies
    • 1 reposts
    • 35 likes
    • 1.9K views
  9. Peanut Me Card logo
    Peanut
    Paid by a Berlin agency. Paid by a US employer. Paid by a studio in Amsterdam.
    Get US and EU account details in your name, so clients abroad pay you like a local.
    https://peanut.me/us-europe-accounts
    1 more in this thread
    Hehehe
    • 14 replies
    • 14 reposts
    • 676 likes
    • 5.7M views
  10. Peanut Me Card logo
    Peanut
    Live now: exploring how Peanut makes payments simple while staying self-custodial, from payment links to bank and local payment rails
    With @jchaskin22 and @uwwgo, co-founder of @joinpeanut
    • 11 replies
    • 10 reposts
    • 76 likes
    • 9.7K views
  11. Peanut Me Card logo
    Peanut
    Hey John Doe. Juan Pérez. Max Mustermann. 홍길동. 山田太郎.
    USD, EUR, MXN or COP account inside Peanut, with YOUR NAME on the bank details.
    get paid by employers and business clients. And get paid by them. Oh so that you get paid. And then paid again. Like in your name.
    1 more in this thread
    Yoooo Kowalski
    • 21 replies
    • 8 reposts
    • 150 likes
    • 435.9K views
  12. Peanut Me Card logo
    Peanut
    • 3 replies
    • 28 likes
    • 5K views
  13. Peanut Me Card logo
    Peanut
    what he said
    • 1 replies
    • 2 reposts
    • 15 likes
    • 5.1K views
  14. Peanut Me Card logo
    Peanut
    we're going places
    • 17 replies
    • 8 reposts
    • 93 likes
    • 7K views
  15. Peanut Me Card logo
    Peanut
    BREAKING NEWS we now support iphone duo
    (caveat: looks like this)
    • 9 replies
    • 2 reposts
    • 59 likes
    • 3.3K views

Peanut Me Card Reviews & Comments

Rate Peanut Me Card

Be the first to rate

No reviews yet. Be the first to share your experience.

Leave a comment

Email is not shown publicly. Comments are reviewed before appearing.

Peanut Me Card alternatives

Other crypto cards worth comparing. Check the fees and the cashback before you pick one.

  • Kast card

    Holding stablecoins won't buy groceries until Kast card turns that USDC or USDT balance i…

    Compare

  • Jupiter Solana Card

    Deposit USDC or USDT once, then spend that balance anywhere Visa is accepted, with no FX…

    Compare

  • Pulsar Money Card

    Spend stablecoin-funded dollars or euros at Visa merchants with the Pulsar Money Card, wi…

    Compare

  • Avici Card

    Avici Card lets you spend USDC straight from a contract you control, only pulling collate…

    Compare

Recommended reading

In-depth guides for Crypto Cards — get more out of tools like Peanut Me Card.

Ready to try Peanut Me Card?

Open the official site and get started in a few clicks.

Launch Peanut Me
For projects

Tell us the fees, the cashback and where it ships. Free to submit, checked by hand before it goes up.

Submit Card