The issuer says it covers more than 150 countries, but the card cannot be opened in 68 regions, including the US, mainland China, Singapore, India, Indonesia, Turkey, Cyprus, Russia and Ukraine; the home page names only three (mainland China, Iran and Indonesia), and the full list is in the help centre. The issuer has not published the issuing entity or the BIN allocation.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Help centre fee table: virtual card issuance $5.89, physical card $58.9; annual fee, monthly maintenance fee, inactivity fee and top-up fee are all None; Girin FX fee 0.75%; ATM cash withdrawal 2%; conversion fee 0% to 0.75%, depending on which asset is used to pay. Spend limits are $500,000 per month and $5,000 per transaction; ATM cash withdrawal $500 per day and $3,000 per month.
- Debit / Deduction Model
- A self-custodial wallet plus a Visa card: assets stay in the user's wallet, and at the point of sale they are converted and settled automatically in the background at the prevailing rate, so the user does not have to sell into fiat first
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The help centre states that identity verification is mandatory for all Girin Card users, is a regulatory requirement and cannot be skipped. The issuer does not list which specific document types are accepted; documents are submitted through the account-opening flow in the app.
- Officially supported countries and regions
- The issuer says it covers more than 150 countries, but the card cannot be opened in 68 regions, including the US, mainland China, Singapore, India, Indonesia, Turkey, Cyprus, Russia and Ukraine; the home page names only three (mainland China, Iran and Indonesia), and the full list is in the help centre. The issuer has not published the issuing entity or the BIN allocation.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (the official page says "Powered by VISA")
- Issuer Arrangement / Payment Rails
- The issuer does not publish the issuing bank or BIN ownership; both the help centre and the official site present the Girin brand. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The help centre's "Virtual Cards" section includes articles such as "Does Girin Card support Apple Pay?" and "How do I add my Girin Card to Apple Pay?", which are the issuer's own documentation.
- Overseas AI Subscriptions
- The issuer makes no statement about AI subscriptions; the virtual card can be used for online purchases, and whether a charge goes through depends on the merchant's gateway and the billing address, so the actual charge result is what counts.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Eligible spend earns 1% back in XRP. The virtual card has a monthly eligible spend cap of $2,000, corresponding to a maximum of $20; the physical card's monthly cap is $3,000, corresponding to a maximum of $30. Cashback is calculated on the previous calendar month's eligible spend; the dollar amount is fixed on the 14th of each month and paid in XRP on the 15th. Unused allowance does not roll over.
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
- 68 regions where the card cannot be opened; the home page names only three
- The official home page states directly next to its coverage area: "Excluded regions: China, Iran, Indonesia", but the complete list in the help centre has 68 regions, including the US, Singapore, India, Turkey, Cyprus, Russia and Ukraine. From the home page alone, one would think the exclusions cover only three countries; this site records the complete list from the help centre. [1] [2]
- The full fee schedule is in the help centre
- The help centre's "Fees and Limits" page lists each item: virtual card issuance $5.89, physical card $58.9, annual fee None, Girin FX fee 0.75%, ATM cash withdrawal 2%, conversion fee 0% to 0.75%, top-up fee None, monthly maintenance None, inactivity fee None. The home page only says "No annual card fee"; the full figures are in the help centre. [2]
- Cashback has a monthly eligible spend cap
- The help centre states a monthly eligible spend cap of $2,000 for the virtual card, with a maximum of $20 back; the physical card's cap is $3,000, with a maximum of $30 back. Cashback is calculated on the previous calendar month, the amount is fixed on the 14th of each month and paid in XRP on the 15th, and unused allowance does not roll over. [3]
- Self-custody is the issuer's position, but KYC is still required
- The official FAQ says users "retain self-custody of their assets until the transaction occurs", with conversion handled automatically in the background. At the same time the help centre states that identity verification is mandatory for all users and is a regulatory requirement; the two do not conflict: the assets are self-custodial, but the account must still be identity-verified. [1] [4]
- Limits follow the issuer's fee table
- Spend limits are $500,000 per month and $5,000 per transaction; ATM cash withdrawal is $500 per day and $3,000 per month; top-ups have no limit. These figures come from the help centre's fee and limits table, not from a marketing page. [2]
- The 130 million merchant figure comes from the official site
- The home page reads: "Spend XRP and RLUSD at 130M+ merchants globally. No annual card fee and instant issuance." This is the issuer's own statement; actual acceptance still depends on the merchant and the acquirer. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- The issuer does not publish the issuing bank or BIN ownership; both the help centre and the official site present the Girin brand. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The help centre's "Virtual Cards" section includes articles such as "Does Girin Card support Apple Pay?" and "How do I add my Girin Card to Apple Pay?", which are the issuer's own documentation.
- Google Pay
- ✅ Explicitly stated in official materials: The same section also has "Does Girin Card support Google Pay?" and an article on how to add the card; actual availability still depends on the wallet service in the user's region.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The issuer makes no statement about AI subscriptions; the virtual card can be used for online purchases, and whether a charge goes through depends on the merchant's gateway and the billing address, so the actual charge result is what counts.
Compatibility information for this card was verified on 2026-10-24 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.
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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
- Girin Wallet: Crypto & XRP (GirinLabs.Inc)
- Web Portal Support
- Mobile App Only — The help centre states there is currently no web portal for card management; all card functions are in the Girin Wallet App (iOS/Android)
- Apple App Store
-
App Store Official Download ↗ Excludes Mainland China; Available in key international markets
- 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
-
Explicit GDPR Compliance
Privacy policy (updated 2025-07-29): from 2025-08-10 the data controller is Arin UK LTD (registered in England and Wales), subject to UK GDPR and the UK Data Protection Act 2018; it lists rights of access, correction, deletion, restriction of processing, objection, portability and withdrawal of consent, with dedicated GDPR (European residents) and CCPA/CPRA (California) sections, and the right to complain to a supervisory authority; data is stored in the UK and the EU, with standard contractual clauses for cross-border transfers; the help centre says KYC data is processed by regulated partners and that Girin does not touch private keys
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained as needed; after membership ends, complaint and dispute records are kept for 3 years and login records for 3 months
- App Store Privacy Label
- Used to track: Identifiers; Linked to you: 2 categories; Not linked to you: 3 categories
- Google Play Data Safety
- No third-party data sharing; Collects 2 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
The privacy policy says deletion can be requested by emailing contact@girin.app; closing the card requires contacting customer support, the balance can be transferred back to the Girin Wallet before closure, and the card number is permanently invalidated after closure; the Google Play data safety page says deletion can be requested
Verified on 2026-10-24. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Why this profile is grouped with on-chain and self-custody cards
Girin is positioned as an XRPL-native card: assets stay in the user's wallet and are only converted and settled at the point of sale, and the issuer explicitly states that users keep self-custody until the transaction occurs. That is a different money path from exchange cards, which hold balances in custody on a platform account, so it is classified as on-chain and self-custodial. [1] [4]
The real cap on the 1% cashback
Under the issuer's caps, the virtual card pays at most $20 a month and the physical card at most $30, which means a cap of $2,000 and $3,000 on monthly eligible spend. Treating the 1% as an uncapped return overstates the benefit; cashback is paid in XRP, and its final value depends on the price at the time of payment. [3]
With this fee structure, start with the issuance cost
The $58.9 physical card issuance fee is a one-off cost; the virtual card is $5.89. Ongoing costs are the 0.75% FX fee and the 2% ATM cash withdrawal fee; the issuer charges no monthly fee or inactivity fee. The issuance cost should be spread over the expected period of use, and a short trial is better served by the virtual card. [2]
Frequently asked questions
Can users in mainland China apply for Girin Card?
No. The official home page explicitly excludes mainland China, Iran and Indonesia; the complete list in the help centre covers 68 regions where cards cannot be opened, including the US, Singapore, India and Turkey.
What fees does Girin Card charge?
Help centre fee table: virtual card issuance $5.89, physical card $58.9, no annual fee, no monthly maintenance fee, no inactivity fee and no top-up fee; FX fee 0.75%, ATM cash withdrawal 2%, conversion fee 0% to 0.75%.
How is Girin Card cashback calculated?
Eligible spend earns 1% back in XRP. The virtual card has a monthly eligible spend cap of $2,000 (maximum $20) and the physical card $3,000 (maximum $30); cashback is calculated on the previous calendar month and paid in XRP on the 15th of each month.
Is Girin Card self-custodial?
The issuer says users keep self-custody of their assets until the transaction occurs, with conversion handled automatically in the background; but identity verification is mandatory for all users, is a regulatory requirement and cannot be skipped.
Does Girin Card support Apple Pay and Google Pay?
Yes. The help centre's Virtual Cards section has separate articles for Apple Pay and Google Pay covering support and how to add the card.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
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