Access in the US market is not a two-way “supported / not supported” switch but a per-state setting. Within this directory, phrasings such as “available in 29 states, with plans to extend to 49”, “available in the US excluding New York” and “open to the US but excluding New York, Maine, Massachusetts and Indiana” all appear at the same time. The reason is that US money-transmission regulation layers a federal tier and a state tier: at federal level FinCEN’s MSB registration is national, while at state level licences are applied for one state at a time.
Why the US is the only market that needs checking state by state
In this site’s regional guides, most markets can be described with a single national list: a country is either on it or not. The United States cannot.
The reason is that money transmission in the United States is regulated by a federal tier and a state tier at once:
- Federal tier: FinCEN treats virtual-currency administrators and exchangers as money transmitters, who must complete MSB registration [1]. This tier is national.
- State tier: each state has its own money-transmitter licensing requirements. New York has a separate framework of its own, commonly called the BitLicense, administered by the state’s Department of Financial Services and covering consumer protection, anti-money laundering and cybersecurity [2].
The result of the two tiers together: an issuer that has completed federal registration still cannot lawfully serve residents of a state whose licence it does not hold. Licences are applied for per state, so the restriction lists are written per state — which is why official card terms carry that “50 states”, “30+ states”, “29 states” granularity.
What each card actually says about states
The table below is compiled from the official wording recorded on each card’s profile page here.These are the official positions on the verification date, not standing commitments; state lists change as licence applications progress, so confirm inside the app with your real residence before applying.
| Card | Official wording | verification date |
|---|---|---|
| Fold Card | Open only to eligible residents of all 50 US states; mainland China, Europe and other non-US regions are entirely restricted and cannot apply. Applying requires a valid US Social Security number, a US residential address and a US-issued driver’s licence or passport [6] | 2026-10-07 |
| Coinbase Card | The US debit-card guide is for US residents excluding Hawaii, and requires a valid account and identity verification [5] | 2026-10-06 |
| Uphold Debit Card | The new US card is for residents of US states and the District of Columbia but excludes Louisiana, New York and US territories; the UK has separate product documentation [7] | 2026-09-27 |
| Krak Card (US) | For verified individual Krak customers in the US; the official documentation lists New York, Maine, Massachusetts and Indiana as ineligible [8] | 2026-10-11 |
| Bix Card | The issuer states that as of September 2026 it is available in 29 states with plans to extend to 49; the specific list is whatever the official app returns | 2026-10-13 |
| THORWallet Card | Open to eligible residents of 175+ countries and regions worldwide, including the US mainland (30+ states), Europe and several Asia-Pacific jurisdictions; a few regions require supporting evidence under the review process; internationally sanctioned regions are excluded | 2026-10-13 |
| Rizon Card | Open to the US (excluding some states), Latin America and 55+ eligible countries and regions worldwide; mainland China and sanctioned jurisdictions cannot apply | 2026-10-09 |
| Fuse Card | US users only, excluding New York and Alaska; an invite code is currently required | 2026-10-13 |
| Phantom Cash Card | The official help centre currently limits it to the US excluding New York; no opening dates for other regions have been published | 2026-10-13 |
| Avici Card | Officially supports Hong Kong, Singapore, Malaysia, the UAE, Japan and specified US states, among others; residents of mainland China, India, Russia and Turkey are explicitly prohibited | 2026-10-09 |
| X Money Card | United States. The issuer states it is open to US users, and from October 2026 free accounts can use it too | 2026-10-13 |
| MetaMask Card | The official help page currently states that new card issuance to US users is paused; existing cardholders are unaffected by the pause | 2026-10-07 |
One pattern recurs throughout this table:New York is excluded more often than any other state. New York appears explicitly in the lists for Uphold, Krak, Fuse and Phantom. That is not coincidence but a direct result of the two-tier regime described above: New York’s separate framework sets a higher bar, and issuers without that licence can only leave New York out of scope.
Another point that is easy to misread:“The US” and “all 50 US states” are not synonyms. Some cards’ official copy simply says “the US” without listing states (the earlier wording for X Money Card and Bix Card, for instance). That does not mean every state is available; it means the issuer did not put the list into readable copy. This site preserves the original wording rather than inferring on the issuer’s behalf.
Cards that explicitly exclude US users
Conversely, a number of cards in this directory explicitly exclude the US from their service area. The reason is usually that the product is aimed at the EEA or a specific region rather than a judgement made about the US in particular:
- Bleap Card: open to eligible residents of the EEA and Switzerland; mainland China, the US, Russia and other restricted jurisdictions cannot apply.
- Kem Card: open to eligible residents of the GCC and the Middle East; the official terms state plainly that it is not issued to US residents or sanctioned jurisdictions.
- Sanctum Cloud Card: open to 100+ countries and regions worldwide; mainland China and the US are restricted.
- Brighty App Card: eligible regions including the EEA, Switzerland and the UK; mainland China and the US cannot apply.
- Fizen Card: the official campaign terms exclude US persons and residents of mainland China and Hong Kong.
- Bitsa Card: open to eligible EEA residents; mainland China, the US, Russia and others are restricted.
- SwissBorg Crypto Card: fully open to eligible residents of the EEA, the UK and Switzerland; mainland China, the US and sanctioned regions cannot apply.
- Fasset Card: the latest issuance list excludes mainland China, India, Vietnam, Indonesia, Turkey, Israel, Russia, the US and others.
- Busha Card: the platform terms list Nigeria and Kenya as the current service markets, and restricted persons in the US, the UK and Canada cannot use the platform.
- MoonAgents Card: open only to residents of supported regions; US residents are not currently supported. The issuer states that the region is set during verification and cannot be changed after issuance.
There is also a separate category of products that require the applicant not to be a US citizen, whose restriction works differently from “excludes the US” above:Ethena Pay ’s Spend Card is offered only to eligible non-US persons;SPay Visa Card ’s formal terms require the applicant to be a non-US citizen;Moto Card is aimed at non-US citizens;Lava Card ’s international terms require the cardholder to declare they are not a US citizen, with US users covered by separate US terms. These cards restrict nationality or status, not state of residence.
What US users can actually apply for
Read the other way round, US users’ options fall into three groups by who issues the card:
One: cards issued by US banks or licensed institutions. Their compliance basis is the most direct. Fold Card is issued by Sutton Bank on Stripe Issuing infrastructure; Coinbase Card and Coinbase One Card are for US residents; Krak Card (US) is for verified US customers. What they share is the most specific state restrictions, because the issuer itself is licensed state by state.
Two: US versions of global products. The same brand carries different terms in different regions, and eligibility does not transfer between them. Uphold’s new US card and its UK product are two separate sets of documentation; Lava’s international terms and US terms set different eligibility; Gate Card (US) and the Gate international card cannot be inferred from one another.
Three: products still in testing or invite-only. Fuse Card currently requires an invite code; the Bakkt & Thredd stablecoin card is marked as a beta, with the issuer stating that the first proof of concept will roll out in the first half of 2027. The scope of such products changes at any time.
Whichever group it belongs to, the advice here is the same:check with your real state of residence. “The US” in official terms rarely means all 50 states, and the residence you enter at application directly determines the outcome. Applying with another state’s address is not a trick to raise your approval odds; it makes your application inconsistent with the facts.
What US stablecoin legislation changed
The GENIUS Act was signed into law on 18 July 2025, creating a “permitted payment stablecoin issuer” category with three licensing pathways [3].
What may affect the issuance landscape is its federal preemption provision: according to Paul Hastings’ analysis, the Act gives two categories of issuer clear federal preemption of host-state licensing and chartering laws — federally qualified payment stablecoin issuers, and approved subsidiaries of depository institutions [4].
But two boundaries need to be read clearly:
- Preemption applies to the act of issuing a stablecoin, not to issuing a card. The money transmission, custody and exchange that a card business involves remain bound by their existing frameworks. Holding an issuance licence does not automatically confer the right to provide card services in a given state.
- The effective date is 18 January 2027, or 120 days after the federal banking regulators issue implementing rules, whichever comes first [4]. Until then the implementing rules are still being written, and the precise boundaries depend on the final text.
So for anyone applying for a card today, the conclusion is unchanged:still check state by state. The legislative direction will shape the licensing landscape over the coming years, but it will not make today’s state restriction list disappear overnight.
A note for non-US readers
A good share of this site’s readers are not in the US but still wonder why US users are excluded. The answer is usually the cost structure described above rather than risk-control discrimination:entering the US market means applying for licences state by state, and every additional state adds another set of compliance, reporting and examination obligations. For a mid-sized card programme aimed at a global audience, excluding the US and concentrating on the EEA or Asia-Pacific is the cheaper choice.
That also explains something else: why some cards list the US under “supported regions” while noting on the same page that not every state is supported. This is not vague drafting — the product genuinely covers only some states, and the issuer would rather not publish a full list that will go stale.
If you hold a non-US document and live outside the United States, these state lists do not bind you directly — what you need to check is eligibility in your own country, covered by the other regional guides here. Applying US restrictions to your own situation is a common misdirection.
Frequently asked questions
Which crypto cards can US users apply for?
Profiles here that explicitly serve US residents include Fold Card, Coinbase Card, Coinbase One Card, Krak Card (US), Uphold Debit Card, Fuse Card, Phantom Cash Card, Bix Card and X Money Card, but each carries its own state restrictions or identity requirements. Check the official wording on the relevant profile against your own state of residence.
Why do so many cards exclude New York?
New York has a separate virtual-currency framework, commonly called the BitLicense, administered by the state’s Department of Financial Services and covering consumer protection, anti-money laundering and cybersecurity. Issuers without that licence can only leave New York out of scope, which is why New York appears most often on exclusion lists.
Can non-US residents apply for the US version of a card?
No. With Fold Card, for instance, applying requires a valid US Social Security number, a US residential address and a US-issued driver’s licence or passport. These are cumulative requirements, not alternatives.
Will state-level restrictions disappear once the GENIUS Act takes effect?
They will not disappear automatically. The Act’s preemption provision applies to the act of issuing a stablecoin and covers only specific categories of issuer; the money transmission and custody a card business involves remain bound by existing frameworks. The effective date is 18 January 2027, or 120 days after the implementing rules are issued, whichever comes first.
Does “available in the US” mean all 50 states?
No. Some cards’ official copy says only “the US” without a state list, which means the issuer did not put the list into readable copy, not that every state is available. This site preserves the original wording rather than inferring. Go by what the app returns for your residence at application.