Available in most regions worldwide; Alpha and Sigma are unavailable in Russia, Belarus, Cuba, Iran, North Korea and elsewhere, and Delta is unavailable in Singapore. On iOS it is listed in only four storefronts — US, Canada, Australia and Hong Kong — while Google Play lists it across all 174 storefronts.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Official rate table (updated 4 August 2026): issuance 9.9U on all three cards; monthly fee Alpha $0, Sigma $1/month after a free first month, Delta $1/month; top-up fee Alpha 0%, Sigma 1.50%, Delta 0.5% (minimum $0.01); authorisation fee Alpha 1%, Sigma 0.50% (minimum $0.50), Delta $0.40 per non-USD transaction or $0.05 per USD transaction; cross-border/foreign-currency fee Alpha 1.5%, Sigma $0.50 per non-USD transaction, Delta 1.5%; withdrawal and crypto-conversion fee Alpha 1%, Sigma 1%.
- Debit / Deduction Model
- On-chain yield + zkLogin self-custody model: one tap moves the card balance into BenFen on-chain yield, redeemable at any time when paying; a Web2 social account becomes an on-chain identity through zkLogin, with no seed phrase
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Issuing a card requires KYC: KYC runs in three tiers — V1 (phone/email), V2 (ID document plus face), V3 — and a card is issued only after materials are submitted and reviewed, so it is not KYC-free.
- Officially supported countries and regions
- Available in most regions worldwide; Alpha and Sigma are unavailable in Russia, Belarus, Cuba, Iran, North Korea and elsewhere, and Delta is unavailable in Singapore. On iOS it is listed in only four storefronts — US, Canada, Australia and Hong Kong — while Google Play lists it across all 174 storefronts.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (physical and virtual cards; Alpha leans on Apple Pay / Google Pay, Sigma on Alipay / WeChat Pay, and Delta supports both)
- Issuer Arrangement / Payment Rails
- BenFen Ecosystem Licensed Partners & Visa. Card BIN not publicly disclosed; this page does not speculate on unverified BINs.
- Apple Pay / Google Pay
- The official help centre says the Alpha card focuses on international mobile payments and supports Apple Pay and Google Pay, while the Delta card supports Apple Pay, Google Pay and Alipay at the same time.
- Overseas AI Subscriptions
- The official help centre says nothing about subscriptions such as OpenAI or Claude; whether a Visa BIN can be charged depends on the merchant gateway, and the actual charge result is what counts.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official help centre publishes no fixed cashback rate, describing only campaigns such as "spending cashback" and "referral rewards"; the exact rate is whatever the in-app campaign page shows, and this page gives no figure.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- The card sits on BenFen's own chain, with yield switched on in one tap
- The official help centre says BenPay Card is "built on the BenFen blockchain": tapping Earn moves the card balance into on-chain yield where it stays available, and the yield comes from on-chain DeFi protocols; the same material lists smart-contract risk, cross-chain bridge risk and market risk. Ethereum, Arbitrum and others are only source chains for cross-chain top-ups. [1] [2]
- The three cards differ sharply on fees
- Official fee table: the issuance fee is 9.9U on all three, the monthly fee is $0 on Alpha and $1/month on Sigma and Delta, and the top-up fee is 0% on Alpha, 1.50% on Sigma and 0.5% on Delta; authorisation and cross-border fees also differ. Check each line against where you actually spend before choosing, rather than looking only at the "$0 monthly fee". [1]
- Sign in with a Google / Apple account through zkLogin
- The official App Store description says a Google / Apple account creates an on-chain identity in one step, and that stablecoins can pay gas with sponsored transactions; that changes how you sign in, not whether you are verified — issuing a card still requires an ID document and a face check. [1]
- Delta's authorisation fee by currency
- The official rate table (updated 4 August 2026) says non-USD transactions pay a "$0.40 authorization fee per transaction plus a 1.5% cross-border fee", while USD transactions pay a "$0.05 authorization fee per transaction". The previous record had the two figures attached to the wrong currencies — $0.40 belongs to non-USD transactions and $0.05 to USD transactions — and has been corrected to the page. [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- BenFen Ecosystem Licensed Partners & Visa. Card BIN not publicly disclosed; this page does not speculate on unverified BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: The official help centre says the Alpha card focuses on international mobile payments and supports Apple Pay and Google Pay, while the Delta card supports Apple Pay, Google Pay and Alipay at the same time.
- Google Pay
- ✅ Explicitly stated in official materials: As above: the official help centre lists Apple Pay and Google Pay as supported on both the Alpha and Delta cards.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The official help centre says nothing about subscriptions such as OpenAI or Claude; whether a Visa BIN can be charged depends on the merchant gateway, and the actual charge result is what counts.
Compatibility information for this card was verified on 2026-10-29 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- BenPay (Wuben Inc.)
- Web Portal Support
- Full Web Portal / PWA — The benpay.org web portal and the mobile app both let you activate a zkLogin wallet through Google or Apple OAuth social login, and manage Visa virtual cards and the yield vault online.
- Apple App Store
-
App Store Official Download ↗ 4 storefronts only: US, Canada, Australia, Hong Kong
- Google Play
-
▶ Google Play Official Download ↗ All 174 storefronts (Google Play does not operate in Mainland China)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
The privacy policy (effective 2022-01-01) names no operating entity and no governing law, and does not mention GDPR: you may request that personal information be updated, corrected, or deleted, or withdraw consent, by emailing support@benfen.org, which answers within 30 days, and access enquiries may be chargeable. KYC runs in three tiers — V1 (phone/email), V2 (ID document plus face), V3 — and issuing a card requires submitting materials and passing review. The App Store seller is Wuben Inc. while the help centre is copyrighted to BenFen Inc.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- No specific retention period stated; data is kept as long as needed for the processing purpose and extended where the law requires.
- App Store Privacy Label
- No tracking data; Linked to you: 0 categories; Not linked to you: 3 categories
- Google Play Data Safety
- No third-party data sharing; Collects 1 categories; Data cannot be deleted; Data encrypted in transit
- Account Deletion Flow
-
Cards can be cancelled from the web portal or app under "Card → My Cards → Cancel Card", processed in 3–15 business days (the Sigma card incurs a 1 USD fee); cards cannot currently be deleted manually, only frozen. Account and personal-data deletion requires an email to support@benfen.org; the Google Play Data Safety section states that data cannot be deleted.
Verified on 2026-10-21. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Where the money goes on an on-chain yield card
BenPay keeps "saving for yield" and "spending" in one balance: once the card balance enters on-chain yield it is redeemed as needed when you pay. The official risk disclosure says the yield comes from DeFi protocols such as Aave, Compound and Sky, that smart-contract risk, cross-chain bridge risk and market risk apply, and that the principal itself can move in extreme markets. [1]
Eligibility and regional limits
The three cards have different restricted-country lists: Alpha is unavailable in Afghanistan, Belarus, Cuba, Iran, North Korea, Russia, Sudan, Syria, Venezuela and elsewhere; Sigma's list is longer; Delta is unavailable only in Singapore. On iOS it is listed in only four storefronts — US, Canada, Australia and Hong Kong — while Google Play lists it across all 174 storefronts. [1] [2]
Frequently asked questions
Is BenPay a KYC-free card?
No. The help centre says KYC runs in three tiers — V1 (phone/email), V2 (ID document plus face), V3 — and a card is issued only after materials are submitted and reviewed; zkLogin in the App Store changes how you sign in, not the identity check.
Which payment methods does BenPay support?
The official help centre says the Alpha card focuses on international mobile payments with Apple Pay and Google Pay; the Sigma card focuses on Alipay and WeChat Pay; and the Delta card supports Apple Pay, Google Pay and Alipay at the same time.
Where does the yield come from?
The official risk disclosure says the yield comes from on-chain DeFi protocols such as Aave, Compound and Sky; the annualised rate moves with the market, smart-contract, cross-chain bridge and market risks apply, and the principal itself can move.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of BenPay Card on X; search results may change over time.
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