Rizon Card
Spend USDC or USDT at Visa merchants with Rizon Card while you keep control of your wallet keys.
Rizon Card: USDC, USDT, Visa Fees And Cashback
What is Rizon Card?
Rizon Card is a Visa Platinum crypto card for spending USDC or USDT from a wallet you control, with no listed card fee for USD purchases at US merchants.
Ready to try Rizon Card?
Open the official site and get started in a few clicks.
Rizon Card Overview
Rizon Card is a Visa Platinum spending card linked to a user-controlled wallet in the Rizon app. You fund the wallet with USDC or USDT on supported networks, then spend at Visa merchants, online services, and some ATMs. The card uses your stablecoin balance as collateral, so it does not work like a credit card.
The card suits freelancers, remote workers, travelers, creators, and stablecoin holders who need to spend digital dollars without first sending them to a bank. It may suit people who struggle to get a US issued Visa. It is less suitable if you need a full bank account, deposit insurance, or refuse passport KYC.
You can add funds on supported chains, or use partner ACH or SEPA details where the app provides them. You can request a virtual card and add it to Apple Pay or Google Pay. Plastic is available for chip payments and ATM use, but the current price is not published in one fixed figure. Check the app before ordering.
USD purchases at US merchants are listed as fee free. The published non-USD rate is 1.7% plus $0.10, or about 1.02% with Emerald. ATM fees, card prices, plan costs, and cashback terms can vary, so check the live fee screen. Rizon lists tiered RizPoints rewards, with rates reported as high as 5%, but the highest rate is not a guaranteed return for every cardholder or purchase.
The main difference is the self-custody stablecoin wallet. You spend USDC or USDT directly from a wallet you control, while Visa and payment partners handle merchant settlement in local currency. That setup gives stablecoin holders a direct spending route, but the card still depends on partner approval and Visa rules.
Rizon Card Key features
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USDC and USDT spending
Load USDC or USDT into the Rizon wallet, then spend at Visa merchants and ATMs. Card payments use your stablecoin balance as collateral rather than a credit line.
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Self-custody wallet
Privy creates a smart contract wallet that you control. Rizon says it cannot freeze the on-chain balance like a custodial exchange, but you must protect your recovery access.
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Virtual Visa Platinum
After identity checks, you can request a virtual Visa for online payments and subscriptions. You can add it to Apple Pay or Google Pay.
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Physical Visa card
You can order plastic with chip, PIN, and contactless payments. The card can also support ATM cash withdrawals, but the current price is not published consistently.
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Visa merchant access
Use the card at merchants and ATMs that accept Visa. Rizon markets coverage across more than 120 countries, but partner checks and local Visa rules can affect availability.
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USD card spending
The published fee schedule lists USD purchases at US merchants as free.
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Foreign currency spending
The published standard fee is 1.7% plus $0.10 for non-USD card spending. The fee is about 1.02% with Emerald, and the app quote should be checked before payment.
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Apple Pay and Google Pay
The virtual card can be added to Apple Pay or Google Pay for contactless payments.
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ACH and SEPA funding
Partner bank details may let eligible users fund the wallet through ACH in the US or SEPA in the EU. Availability depends on what Rizon shows in the app.
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Multi-chain deposits
The official FAQ lists Solana and EVM networks such as Polygon, Base, and Arbitrum. Other pages also list Ethereum, Optimism, BNB Chain, and Avalanche for USDC or USDT deposits.
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Free user transfers
Transfers between Rizon users in the app are free. External on-chain sends and withdrawals carry a network fee plus 0.1%.
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RizPoints cashback
Published review tables list cashback tiers from 0% to 5%, with the top rate tied to Diamond. Rates, limits, and eligibility can vary, so the live app terms matter.
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In-app card controls
The app includes card lock, unlock, PIN access, and multiple virtual card numbers. Rizon says it has no current company-set spending limit, while user-set limits are planned.
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PayPal support
Rizon's official FAQ says users can add the card to PayPal. PayPal and merchant policies can still affect whether a payment works.
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No bank deposit insurance
Rizon Global does not hold user balances or operate as a bank. The stablecoin wallet has no bank-style deposit insurance, and Rain or the card issuer can still decline or close the card account.
Download Rizon Card App For Android And iOS
Download Rizon Card and start spending crypto from your phone — available on Android and iOS.
Rizon Card Fees
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USD purchases Rizon charges no fee for USD card purchases on its published schedule.
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Non USD purchases Rizon charges 1.7% + $0.10 standard, reduced to about 1.02% with the paid Emerald subscription.
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Card issuance Check the app for current issuance fees: public sources have listed the first virtual card as free, $1 promotional or $10, while physical card prices depend on the plan and promotion.
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ATM withdrawals Rizon does not publish a single fixed ATM fee; testers reported $1 + 0.65%, older pages cited 2% + $3, and ATM operators may charge extra.
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Transfers and withdrawals Rizon charges no fee for transfers to another Rizon user and charges a network fee + 0.1% for international or on chain sends and withdrawals.
Rizon Card Supported networks
Solana
Polygon
Base
Arbitrum
Ethereum
Optimism
BNB Chain
Avalanche
How to use Rizon Card
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Create your account
Install the official Rizon app from the iOS App Store or Google Play. Sign up with your email and secure your account with biometrics or a passkey.
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Verify your identity
Complete the passport KYC and liveness checks in the app.
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Back up your wallet
Back up your wallet recovery material offline before you add funds. You control the wallet keys and are responsible for recovery access.
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Fund your wallet
Deposit USDC or USDT on a supported chain, or use partner ACH or SEPA details if shown in your app. Check the network gas cost before an on chain deposit.
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Request your virtual card
After identity approval, check the current virtual card price in the app and request your Visa. Add the card to Apple Pay or Google Pay if you want to pay by phone.
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Make your first payment
Use your virtual card online at a merchant that accepts Visa, or tap your phone where the merchant accepts Apple Pay or Google Pay. Check the FX quote in the app before you confirm a non USD payment.
Rizon Card Demo video
Rizon Card Screenshots
Rizon Card User Reviews
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I personally have been using RIZON for 11 months and have not encountered any problems with it.
View on X ↗ -
Just booked and paid for my stay in Dubai (Rove Expo City) directly using my Rizon Visa card. Instant transaction right from my wallet balance, with zero stress over local FX conversions (USD to AED). Earned +34.32 Rizpoints on this single transaction.
View on X ↗ -
Hi Rizon Support, I've been waiting for a month to get my Apple Pay/card issue resolved. I need you to please reset my Rizon card so I can add it back to Apple Wallet and use it again.
View on X ↗
Rizon Card Review
Pros
- You control the wallet keys rather than handing custody to Rizon.
- Rizon lists no card fee for USD purchases at US merchants.
- You can spend USDC or USDT without first transferring funds to a bank.
- You can add the virtual card to Apple Pay or Google Pay.
- You can send funds to other Rizon users in the app for free.
- Rizon charges no account maintenance fee.
- You can withdraw cash at Visa ATMs with the physical card.
Cons
- Non-USD purchases carry a published 1.7% fee plus $0.10 without Emerald.
- Cashback depends on paid tiers, and some plans may cap rewards near the monthly fee.
- Physical card pricing can reach about $50 on the free plan, but the live price is not fixed publicly.
- ATM fees and withdrawal limits differ across public sources, and the current official fee page does not publish one fixed ATM fee.
- The wallet has no bank deposit insurance, and you can lose funds if you lose recovery access.
- Rain and the card issuer can decline transactions, close the payment account, or block jurisdictions.
- Public fee pages sometimes lag behind the prices shown in the app.
- The card requires passport KYC and liveness checks, so it does not suit people who refuse identity checks.
Our verdict
I'd carry Rizon Card for USD spending if I already held stablecoins. You control wallet keys, but card partners can still decline payments. Rizon lists standard FX fees of 1.7% + $0.10, and 1.7% for conversions. I can't calculate all-in costs without unpublished spread details and current card fees. I'd reconsider if those costs outweighed the convenience, regardless of headline cashback.
Rizon funding
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Founded by Rizon was founded by Ignas Survila, a consumer product founder based in Vilnius, and Laurynas Jokubaitis, who has prior crypto product and investment experience.
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Pre-seed - Feb 2026 Rizon raised $2 million in a pre-seed round led by Market One Capital.
Is Rizon Card safe & legit?
Rizon Card appears legitimate. Rizon Global, Inc. runs the app, founded by Ignas Survila and Laurynas Jokubaitis, with backing from Market One Capital; Rain handles card services, Privy provides the wallet infrastructure, and Third National is named as the issuer.
The wallet is self-custody, so Rizon does not hold your stablecoin balance, but Rain or the issuer can still decline transactions or close the card account. No major red flags are known, though fee details vary by source, cashback may have limits, and the wallet has no bank deposit insurance.
X account intel @getrizon
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Based in Lithuania
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Joined X March 2025 1 year ago
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Username changes 3 renames last on May 13, 2025
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Signup source Lithuania App Store
Public profile signals from X. Use as one input alongside other due-diligence.
Rizon Card Updates
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Sending money shouldn't be complicated.
With Rizon, you can send dollars straight to a bank account, wallet, or another Rizon user, fast, simple, and with fees upfront.
Open the app.
Tap Send.
Choose your recipient.
Confirm. Done.
Money transfers that feel like sending a message.- 6 replies
- 1 reposts
- 12 likes
- 409 views
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Two years ago, we had a vision for what modern dollar banking should look like.
Today, Rizon is becoming the go-to app for users around the world to save, spend, send, receive, and invest in dollars.
And honestly, we’re just getting started.
The next year is going to be even bigger.
Built for a global generation.
2 more in this thread
💳 Virtual & physical cards
📈 Trade stocks & perps
Ready to take control of your money? Join Rizon today and get started 👇
https://onelink.to/hzkacz
- 5 replies
- 2 reposts
- 30 likes
- 1.4K views
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Get real access to global dollars with Rizon.
U.S.-based Visa card, virtual or physical, no matter where you live.
Verify your account, deposit funds, add it to Apple Pay or Google Pay, and start spending anywhere Visa is accepted, online, in stores, for groceries, flights, subscriptions, or everyday spending.
Your money, your rules.- 14 replies
- 1 reposts
- 16 likes
- 972 views
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Rizon cards are built for how people actually spend today: instant virtual cards, globally delivered physical cards, premium metal options, full in-app control, and worldwide acceptance.
1 more in this thread
- 14 replies
- 25 likes
- 1.6K views
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Tomorrow, Record #01.
The story of how they went from $200M on Day 365 to aiming to NASDAQ listing by Year 8.
Be there to read it.
https://newsletter.outofpilot.com/- 2 replies
- 2 reposts
- 11 likes
- 268 views
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TBT to seeing Rizon featured in @Bloomberg's story on the rise of stablecoin-powered neobanks.
The article described a “new breed of stablecoin-powered neobanks” offering dollar-denominated banking services globally through stablecoin rails, enabling faster payments, lower fees and borderless access to USD accounts.
Pretty surreal 🌍
1 more in this thread
https://www.bloomberg.com/news/articles/2025-12-19/the-stablecoin-boom-fuels-24-7-dollar-banking-without-borders- 16 replies
- 1 reposts
- 11 likes
- 1.4K views
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Why Do Freelancers Still Have To Rely On Outdated Payment Systems? https://hubs.li/Q04vhhq-0 Written by @isurvila of @getrizon
- 1 reposts
- 2 likes
- 258 views
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Multi-currency bank accounts are now live on Rizon 🌍
Receive global payouts.
Send and receive dollars more easily.
Unlock a more seamless way to move money internationally.- 9 replies
- 11 likes
- 888 views
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The last 12 months at @getrizon have been insane.
285x in payment volume growth. 450,000+ users. 100+ countries.
One thing became clear:
Stablecoins are the rails. Dollar banking is the product.
The same needs repeat across markets. The companies that define global banking for the next decades are being built now.
Some thoughts 👇
- 1 replies
- 2 reposts
- 7 likes
- 315 views
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Rizon 🤝 Onramper
We’re proud to partner with @GetOnramper as we continue expanding access to modern financial infrastructure globally.
More seamless onboarding. More global reach. Less friction.
- 5 replies
- 13 likes
- 1.4K views
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With Rizon, your @deel payouts land directly in your USD account - ready to spend instantly.
Add your Rizon multi-currency account details in Deel once, and every payout arrives automatically.
Spend with your @Visa card, withdraw at ATMs, send or invest globally.- 6 replies
- 1 reposts
- 9 likes
- 1.3K views
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📲 500,000+ installs
📈 4-5× growth across core metrics in 2026
🌍 Live in 122 countries
Building the all-in-one shop for your dollar banking.
Save. Spend. Send. Invest.
Everything under one roof.- 8 replies
- 1 reposts
- 7 likes
- 1.2K views
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Investing shouldn’t depend on where you live.
With Rizon, you can buy tokenized US stocks straight from your balance.
Simple flow. Transparent costs.
*Capital at risk. Past performance does not guarantee future results. T&C apply. Selected regions only.
1 more in this thread
- 4 replies
- 1 reposts
- 9 likes
- 1.7K views
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Want to invest in U.S. stocks, but live outside the U.S.?
High fees. Complex forms. Limited access. It used to be impossible.
With Rizon, you can buy fractional shares instantly, no brokerage, no U.S. bank, no minimums.
Send money. Spend money. Grow money.
U.S. financial tools, in your hands, anywhere in the world.
*Tokenized Stocks are blockchain-based instruments issued by third parties that are designed to follow underlying equity performance. While they track price movements and mechanics of actual securities, they do not confer ownership rights or shareholder benefits. They are available in select jurisdictions only. The Tokenized Stocks referenced on this page are issued by Backed Finance AG. Rizon Global, Inc., does not provide issuance or investing services. Token lists are generated using market data provided by various third party providers including CoinGecko, Jupiter. Performance shown is based on the selected period. Past performance is not indicative of future performance. All official documentation, including Key Information Documents (KIDs) and Final Terms, is available directly from Backed Finance AG at https://assets.backed.fi/products.- 3 replies
- 1 reposts
- 8 likes
- 1K views
Rizon Card Reviews & Comments
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