100+ compliant countries and territories globally (excluding sanctioned regions)
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- 0 account monthly fee, no card annual fee; borrow interest calculates dynamically according to Morpho on-chain pool rates, POS spending clears at live Visa rates.
- Debit / Deduction Model
- Non-custodial DeFi collateralized credit card: borrows Visa credit against Morpho on-chain vaults, retaining private keys with native BTC cashback
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires compliant KYC verification via Rain; accepts international government-issued photo ID.
- Officially supported countries and regions
- 100+ compliant countries and territories globally (excluding sanctioned regions)
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (Virtual and luxury metal physical cards available, native support for Apple Pay & Google Pay)
- Issuer Arrangement / Payment Rails
- Helios Finance in partnership with Rain (Visa Principal Member) and Morpho lending protocol. Card BIN undisclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- Native Apple Wallet push-provisioning supported for tap-to-pay on iPhone and Apple Watch.
- Overseas AI Subscriptions
- Institutional clearing via Rain; reliably settles subscriptions across OpenAI, Claude, and global cloud services.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Up to 2% native Bitcoin (BTC) cashback on eligible everyday purchases, paid directly into your self-custodial on-chain wallet.
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.
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Helios Finance in partnership with Rain (Visa Principal Member) and Morpho lending protocol. Card BIN undisclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Native Apple Wallet push-provisioning supported for tap-to-pay on iPhone and Apple Watch.
- Google Pay
- ✅ Explicitly stated in official materials: Native Google Wallet support for contactless tap-to-pay on Android devices worldwide.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Institutional clearing via Rain; reliably settles subscriptions across OpenAI, Claude, and global cloud services.
Compatibility information for this card was verified on 2026-10-16 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 170 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
- None (Card on waitlist; Helios lending protocol is a Web dApp)
- Web Portal Support
- Pending Verification — Card is not yet live, currently operating a Typeform waitlist; Helios lending protocol operates as a Web dApp (app.heliosfinance.xyz, wallet connection required); future client platforms for card operations have not been announced.
- Apple App Store
- No iOS App
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
No Explicit Data Rights Clauses Found
Neither heliosreserve.xyz nor heliosfinance.xyz hosts privacy policies or terms of service; waitlist entries collected via third-party Typeform; FAQ states applicants must be 18+ with age and country of residence verified; GitBook documentation includes KYC-Ready, AML, and MiCA compliance outlines, but contains no data subject rights clauses.
- Official Privacy Policy
- —
- Data Retention
- Not specified
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
Not publicly disclosed; card is not yet live and procedures for deleting waitlist submissions are unstated.
Verified on 2026-10-16. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Why Borrow-to-Spend Is the Next Wave in Web3 Payments
Long-term crypto holders avoid selling assets prematurely during market cycles. Helios delivers the ideal balance: your tokens remain on-chain while providing daily purchasing power. [1]
Health Factor Monitoring & Liquidation Warnings
Collateralized borrowing requires monitoring asset price swings; during sharp market downturns, cardholders must add collateral or repay balances to prevent liquidation. [1]
Frequently asked questions
Is Helios Reserve Card a debit card or a credit card?
It is a genuine crypto-collateralized credit card. Users post digital assets as collateral to unlock revolving Visa credit, without selling underlying crypto.
What asset is paid as cashback?
All eligible transactions earn real Bitcoin (BTC) deposited directly into your self-custody wallet without complex redemption hurdles.
📜 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 Helios Reserve Credit Card on X; search results may change over time.
Recommended Active Alternative Cards
If Helios Reserve Credit Card is region-restricted or does not meet your needs, compare these active alternatives:Stablecoin prepaid Visa card offering virtual and physical cards with $0 monthly/annual fees for standard accounts. Native Apple Pay & Google Pay support, with transparent pricing: $10 virtual, $100 physical, 0% deposit, 1.2% spend/FX, and 2% ATM withdrawal fee.
KAST combines a stablecoin account, card and membership benefits. Cashback on USD purchases and KAST Points are different rewards and should not be combined into a single cash rate.
Since June 2026, Tria card rewards have used monthly spending tiers. The spending thresholds behind a headline “up to 6%” rate matter more than the maximum alone.