The official description is global Visa acceptance, with applications by waitlist through the Startale App; the announcement markets mainly to Japan, and no country-by-country application list is published.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No fee schedule was published at the announcement stage. Annual fee, issuance fee, FX fee and top-up fee are all absent from the official page and should not be read as "free".
- Debit / Deduction Model
- Self-custodial debit card: assets remain in the user's wallet and are deducted directly when spending; the official description is that unused assets keep earning until they are spent
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. The official description is that you open an account through the Startale App and complete identity verification to join the waitlist; no document list or KYC tiering is published, so prepare identity documents according to what the app asks for when you are accepted.
- Officially supported regions
- The official description is global Visa acceptance, with applications by waitlist through the Startale App; the announcement markets mainly to Japan, and no country-by-country application list is published.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (per the official announcement; the official description is that it works at over 150 million merchants on the Visa network)
- Issuer Arrangement / Payment Rails
- Startale Group (as signed on the official announcement; the issuing institution and the party operating the card programme are not stated). The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay / Google Pay
- Neither the official announcement nor the waitlist page mentioned Apple Pay at this check, so it cannot be treated as supported.
- Overseas AI Subscriptions
- The company does not state how AI-subscription merchants are treated; the card is treated as general Visa acceptance.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official description is rewards paid to the user's account in stablecoin (the announcement says USDSC); unused assets keep earning until spent. No cashback rate or cap is published.
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
- Startale Group (as signed on the official announcement; the issuing institution and the party operating the card programme are not stated). The card BIN is not published; this page does not speculate about a specific BIN.
- Apple Pay
- — Not specified by official sources: neither the official announcement nor the waitlist page mentioned Apple Pay at this check, so it cannot be treated as supported.
- Google Pay
- — Not specified by official sources: neither the official announcement nor the waitlist page mentioned Google Pay at this check, so it cannot be treated as supported.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: the company does not state how AI-subscription merchants are treated; the card is treated as general Visa acceptance.
Compatibility information for this card was verified on 2026-10-13 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.
View full comparison of 135 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
- No store app (Startale App web app at app.startale.com)
- Web Portal Support
- Web Portal / PWA Only — Startale App is a web app (app.startale.com, installable as a PWA); create a self-custodial smart wallet with Google/LINE social login or a passkey, or connect wallets such as MetaMask; the card waitlist is joined inside the web app; no iOS/Android app found
- Apple App Store
- No iOS App
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
Startale Labs (BVI) Ltd privacy policy (revised 2025-12-03): under the British Virgin Islands Data Protection Act 2021 you may request access, rectification and withdrawal of consent, marketing opt-outs take effect within 3 days, and complaints can go to the BVI Information Commissioner; the App terms additionally set out rights of access, rectification and erasure "where applicable" under that Act; data may be shared with affiliates such as Startale Group Pte. Ltd.; KYC data for card applications is collected on behalf of, and passed to, the third-party issuer; does not mention GDPR
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Kept only as long as needed for the purpose, then destroyed or permanently deleted (no period stated)
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
No account-closure entry point documented; the terms say erasure can be requested by emailing support@startale.com under the BVI Data Protection Act (where applicable); the wallet is a self-custodial smart account, so on-chain data cannot be erased
Verified on 2026-10-12. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Where a self-custodial card's yield comes from has to be asked separately
"Unconsumed assets keep earning" means those assets are put into some yield source while waiting to be spent. The announcement does not say what that source is, whether principal is at risk, or how it is redeemed instantly at the moment of spending. Treating it as an ordinary current-account balance is not accurate. [1]
There is a gap between announcing and being available
The 2026-07-13 announcement was a launch and waitlist, which is not the same as the card being available to apply for, able to be added to Apple Pay, or working at every Visa merchant. Availability should go by the issuer's later announcements. [1] [3]
Frequently asked questions
Can I apply for the Startale Card now?
The official position is that the waitlist opened on 2026-07-13 through the Startale App; general applications are not yet open.
Is it a self-custodial card?
Yes. The official description is that assets stay in the user's wallet, spending is deducted from the self-custodial balance, and unconsumed assets keep earning until spent.
What are the fees and cashback?
Neither a fee schedule nor a cashback rate was published at the announcement stage; this site does not cite third-party figures.
Which card network is it on?
The official announcement says Visa, and states it works at over 150 million merchants on the Visa network.
Can users in mainland China apply?
No country-by-country application list is published, and the announcement markets mainly to Japan. Whether you can apply depends on the issuer's later announcements; this site does not speculate.
📜 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 Startale Card on X; search results may change over time.
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