Compliant residents of Argentina, Brazil, and other licensed Latin American markets
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No card issuance fee; free physical card delivery; $0 monthly and annual fees ($0/mo); 0% transaction fee for local fiat spending; crypto asset settlements debited at real-time market clearing rates.
- Debit / Deduction Model
- Regulated Latin American crypto pioneer ecosystem settlement architecture: supports real-time clearing between fiat pesos and mainstream public chain crypto tokens, accepted over the Visa global payment network
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires holding a valid Argentine National Identity Document (DNI) or Brazilian taxpayer registry (CPF), along with completing Ripio's compliant KYC/AML identity and liveness facial verification.
- Officially supported countries and regions
- Compliant residents of Argentina, Brazil, and other licensed Latin American markets
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (International prepaid debit card "Tarjeta Prepaga Visa Internacional", supporting physical and virtual cards, compatible with Apple Pay and Google Wallet)
- Issuer Arrangement / Payment Rails
- Ripio (licensed compliant Latin American crypto finance group) and Visa. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- : Natively supports Apple Pay; verified cardholders in Argentina and Brazil can add the card to Apple Wallet with one tap in the Ripio app for contactless in-store payments.
- Overseas AI Subscriptions
- : International Visa prepaid BIN with 3DS verification, verified to link smoothly and bill ChatGPT Plus, Claude Pro, Midjourney, Steam, and international online merchants.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- 2%–3% cashback on crypto purchases (with custom selection of USDT, BTC, or ETH rewards in the app); supports idle asset yield via Ripio Earn.
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
- Backed by a Decade-Old Latin American Regulated Crypto Giant
- Founded in 2013 with over 10 years of market leadership, Ripio is one of Latin America's earliest and most renowned blockchain financial institutions, holding full Virtual Asset Service Provider (VASP) registration with Argentina's National Securities Commission (CNV) alongside multi-jurisdiction licensing. [1] [2]
- Customizable High Cashback in Selected Currencies (USDT / BTC / ETH)
- Unlike most cards that only reward in a single predetermined asset, Ripio allows users to customize their cashback currency within the app, letting them choose between stable assets like USDT/USDC and high-beta assets like BTC or ETH, with cashback rates reaching up to 3%. [1] [2]
- Zero-Threshold Issuance & Free Physical Card Shipping
- The issuer provides a "triple-free" policy with zero card issuance fee, zero annual fee, and zero monthly maintenance fee; virtual cards generate in seconds and physical cards ship free of charge, significantly lowering onboarding barriers. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Ripio (licensed compliant Latin American crypto finance group) and Visa. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: Natively supports Apple Pay; verified cardholders in Argentina and Brazil can add the card to Apple Wallet with one tap in the Ripio app for contactless in-store payments.
- Google Pay
- ✅ Explicitly stated in official materials: Official Google Wallet support, compatible with NFC-enabled Android mobile devices.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: International Visa prepaid BIN with 3DS verification, verified to link smoothly and bill ChatGPT Plus, Claude Pro, Midjourney, Steam, and international online merchants.
Compatibility information for this card was verified on 2026-10-20 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
- Ripio App | Crypto Wallet (BitPagos, Inc.)
- Web Portal Support
- Web Account Available; Card Primarily via App — Ripio web platform available; card issuance and management handled primarily through mobile app.
- Apple App Store
-
App Store Official Download ↗ 6 storefronts only: Brazil, Mexico, Argentina, Colombia, Chile, Uruguay
- Google Play
-
▶ Google Play Official Download ↗ Missing key markets: Indonesia
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Argentine privacy policy (Moonbird S.R.L., updated 2025-07-25) pursuant to Personal Data Protection Law No. 25.326 and Regulatory Decree No. 1558/01, registering Moonbird as database controller with the AAIP; cardholders may request access, rectification, updating, and erasure, with free access requests granted once every 6 months and complaint recourse to AAIP; data shared with affiliates, KYC vendors, marketing/UX analytics, and Lightspark, with cross-border transfers to jurisdictions without recognized adequacy decisions including Brazil and the US.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained throughout active account lifecycle; retained following account closure until no longer legally necessary, with retention preserved wherever statutory or contractual mandates require.
- App Store Privacy Label
- Used to track: Usage Data; Linked to you: 0 categories; Not linked to you: 2 categories
- Google Play Data Safety
- Shared with 3rd parties: App activity, Device or other IDs, Personal info, Photos and videos; Collects 9 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Self-service deletion request via app path "Perfil → Mis datos"; terms also permit requesting cancellation by emailing soporte@ripio.com or mailing a formal registered letter (carta documento); upon closure, national identity ID and registered email are locked against re-registration.
Verified on 2026-10-19. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Multi-Currency Configurable Web3 Spending Instrument
Ripio Card grants cardholders significant asset autonomy. Users can flexibly choose between Argentine pesos or crypto balances in the app based on exchange rate fluctuations, while independently deciding which cryptocurrency receives their spending rewards, balancing inflation resistance with long-term asset accumulation. [1] [2]
Compliance Requirements & Argentine Residency Verification
The card strictly adheres to Latin American local anti-money laundering and foreign exchange compliance standards; applicants must supply an Argentine National Identity Document (DNI) or equivalent tax documentation from eligible countries, and non-residents cannot currently apply directly. [1]
Frequently asked questions
Can I change my Ripio Card cashback currency at any time?
Yes. Users can switch their cashback preference anytime in card settings within the Ripio app, choosing to have rewards settled immediately as USDT, BTC, or ETH.
How do I withdraw cash abroad using a physical Ripio Card?
Upon activating the physical card and configuring a PIN, cardholders can withdraw local fiat currency at any Visa-branded ATM worldwide, with cash withdrawal limits customizable inside the app.
Are taxes deducted when paying in Argentine pesos with Ripio Card?
Transactions within Argentina follow current local fiat taxation rules; when deducting cryptocurrency, the transaction breakdown transparently displays the conversion rate and the nominal fiat amount.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
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