European Economic Area (EEA) and mainstream globally compliant jurisdictions
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No monthly fee, ~2% POS transaction fee; ATM withdrawals billed per machine network rates; zero card issuance fee.
- Debit / Deduction Model
- Hybrid blockchain non-custodial smart contracts: Users self-custody assets on-chain, triggering instant routing and Visa settlement upon card swipe
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires submitting a valid passport or national ID within the official CrossFi App to complete compliant AML facial recognition.
- Officially supported countries and regions
- European Economic Area (EEA) and mainstream globally compliant jurisdictions
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (virtual and physical Visa cards, supporting Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Cross Finance and regulated BaaS partners. Card BIN is not publicly disclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- Official support for linking with Apple Pay for iPhone/Watch contactless mobile payments.
- Overseas AI Subscriptions
- Supports standard 3DS authentication for reliable recurring subscriptions to ChatGPT Plus and global cloud services.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Up to 5% XFI ecosystem cashback: tiered monthly payouts based on staking tier and monthly spending volume.
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
- Underlying Cross-Chain & EVM-Compatible Blockchain
- Built on Cosmos SDK and EVM-compatible CrossFi Chain architecture, achieving sub-second transaction confirmation and decentralized asset settlement. [1]
- Seamless Bridge Between Self-Custody and Fiat Rails
- Users do not need to deposit digital assets into centralized exchange accounts in advance; on-chain protocols automatically match and settle debits during card purchases. [1]
- Apple Pay & Google Pay Certification
- The official app supports provisioning card credentials directly into iOS and Android mobile wallets for everyday offline spending. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Cross Finance and regulated BaaS partners. Card BIN is not publicly disclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Official support for linking with Apple Pay for iPhone/Watch contactless mobile payments.
- Google Pay
- ✅ Explicitly stated in official materials: Supports linking with Google Wallet for offline contactless card payments.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Supports standard 3DS authentication for reliable recurring subscriptions to ChatGPT Plus and global cloud services.
Compatibility information for this card was verified on 2026-10-19 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
- Cross Finance (DFMX PLATFORM L L C)
- Web Portal Support
- Pending Verification — The official web app crossfi.app is currently unreachable, the main website crossfi.org returns Cloudflare error 522, and docs.crossfi.org presents an SSL certificate error; previously, the card page stated users could connect MetaMask to their CrossFi account to spend XFI directly
- Apple App Store
-
App Store Official Download ↗ Includes Mainland China; Missing key markets: Hong Kong, Vietnam, US, Canada
- 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
-
EEA / UK Data Subject Rights
CrossFi Privacy Policy (updated 2024-09-10; official site offline, sourced from 2026-06 web archives): Data controllers vary by residency—DMFX Platform LLC (Dubai) for MENA, CrossFi Limited (Hong Kong) for East Asia and Pacific, and CrossFi Cain s.r.o. (Prague) for Europe and other regions; Standard Contractual Clauses (SCCs) govern data transfers outside the UK/EEA; grants rights to access, consent withdrawal, portability, rectification, erasure, objection, or restriction of processing under local laws, with guidance to contact local data protection authorities; includes a California CCPA notice (45-day response window); GDPR is not explicitly cited; accounts are closed if users are found to be under 18
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retention periods are determined by processing purposes and statutory minimum durations; specific retention timeframe not specified
- App Store Privacy Label
- No tracking data; Linked to you: 4 categories; Not linked to you: 1 categories
- Google Play Data Safety
- Shared with 3rd parties: Personal info; Collects 2 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
No account closure instructions found; privacy policy notes users may email info@crossfi.org to exercise erasure and other rights, except where retention is permitted by law; Google Play states deletion can be requested
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
A Technical Breakthrough in Decentralized Payments
CrossFi aims to resolve low-latency interaction challenges between on-chain crypto assets and real-world merchant terminals, significantly minimizing cross-border slippage via dedicated BaaS channels. [1]
Comprehensive Evaluation of Fees and Cashback
Card purchases incur an approximate 2% transaction fee, making it best suited for users bullish on the XFI ecosystem who actively participate in on-chain liquid staking. [1]
Frequently asked questions
Who issues the CrossFi Card?
It is issued by Cross Finance in partnership with licensed financial institutions holding regulatory payment credentials and Visa.
How is XFI cashback disbursed?
Once purchase settlement is finalized, rewards are disbursed in XFI tokens according to your membership tier directly to your CrossFi on-chain wallet address.
📜 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 CrossFi Card on X; search results may change over time.
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