United States, Mexico, and multiple Latin American countries (Argentina, Colombia, Chile, Peru, Ecuador, Venezuela, Uruguay, Paraguay, Bolivia, Panama, Costa Rica, Guatemala, El Salvador, Honduras, Dominican Republic, etc.); mainland China is excluded.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Official terms state card usage is subsidized at zero cost ($0); crypto deposits are free; crypto withdrawals under $100 cost $1, $100 or more cost $2; USD ACH transfers are $2 each, wire transfers $12; MXN to eUSD spread is 0.5%. No account monthly fees.
- Debit / Deduction Model
- Fiat and crypto deposits convert into an eUSD stablecoin balance, deducted at 1:1 USD on card spend; portfolio investment assets support on-chain self-custody.
Application Eligibility & KYC
- KYC Identity Verification
- KYC required Requires compliant KYC identity verification including government-issued photo ID and facial selfie recognition, screened for AML and identity verification by partner banks and compliance providers.
- Officially supported countries and regions
- United States, Mexico, and multiple Latin American countries (Argentina, Colombia, Chile, Peru, Ecuador, Venezuela, Uruguay, Paraguay, Bolivia, Panama, Costa Rica, Guatemala, El Salvador, Honduras, Dominican Republic, etc.); mainland China is excluded.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa Prepaid (physical and virtual cards, supporting Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Lead Bank / BFF Cards, LLC (OCIF Puerto Rico ruling letter) / Bridge. Card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay / Google Pay
- The official app supports provisioning to Apple Pay for contactless and online payments.
- Overseas AI Subscriptions
- Community testing confirms successful billing for major overseas AI and SaaS subscriptions including ChatGPT Plus and Claude Pro.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Official terms state card purchases earn up to 6% cashback (Cards with up to 6% cashback); an exclusive membership tier offers boosted cashback.
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
- Core Model & eUSD Denomination
- After depositing USD, EUR, MXN or crypto, funds are safeguarded by licensed partners and denominated in eUSD stablecoin, spent directly on card purchases; portfolio assets support self-custody. [1] [2]
- Official Fee Structure
- Official terms state card usage is fully subsidized at $0 cost; crypto deposits are free; crypto withdrawals cost $1 or $2 depending on amount; ACH transfers are $2 each and wire transfers are $12. [2]
- Compliance Framework & Partner Banks
- UGLYCASH is operated by San Francisco-based Best Friend Finance, LLC, with USD deposits held by FDIC member Lead Bank, and licensed money transmission and card infrastructure powered by Bridge and BFF Cards, LLC. [2] [3]
- Up to 6% Purchase Cashback
- The official platform promotes up to 6% cashback on everyday purchases, with boosted reward rates available via in-app membership levels and promotions. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa
- Issuer arrangement / BIN
- Lead Bank / BFF Cards, LLC (OCIF Puerto Rico ruling letter) / Bridge. Card BIN is not public; this profile does not infer a specific BIN.
- Apple Pay
- ✅ Explicitly stated in official materials: The official app supports provisioning to Apple Pay for contactless and online payments.
- Google Pay
- ✅ Explicitly stated in official materials: Officially supports provisioning to Google Pay (Google Wallet) for payments.
- AI subscriptions such as ChatGPT and Claude
- ◐ Community feedback / Unconfirmed official mention: Community testing confirms successful billing for major overseas AI and SaaS subscriptions including ChatGPT Plus and Claude Pro.
Compatibility information for this card was verified on 2026-11-05 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 242 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
- UGLYCASH (App Store developer Best Friend Finance, LLC; Google Play developer Best Friend Finance)
- Web Portal Support
- Mobile App Only — Website provides product overviews and legal terms; onboarding, card use, and account management are completed in the app
- Apple App Store
-
App Store Official Download ↗ Excludes mainland China; available across 51 App Store storefronts in the US and Latin America
- 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
-
General Data Rights / Regional Regulations
Privacy terms cite California and US federal laws, enumerating access, rectification, opt-out of sharing, and deletion rights; AML compliance records are retained as required by law
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained during active account tenure and for 5 statutory years under AML regulations, after which data is physically deleted or de-identified
- App Store Privacy Label
- No tracking data; Linked to you: 4 categories; Not linked to you: 1 categories
- Google Play Data Safety
- Shared: fraud prevention and security compliance; 6 categories collected; deletion requests supported; encrypted in transit
- Account Deletion Flow
-
Official terms state users can email support@ugly.cash or contact in-app support to request account closure and personal data deletion
Verified on 2026-11-05. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
Compliant Stablecoin Card for the Americas
UGLYCASH serves as a cross-border payment bridge between North America and Latin America, partnering with Lead Bank and Bridge under a compliant framework to connect stablecoin balances directly to Visa's global network. With zero daily usage fees and up to 6% cashback, it is highly practical for Latin American freelancers and cross-border businesses. [1] [2]
Frequently asked questions
Can mainland China users apply for UGLYCASH Card?
No. UGLYCASH strictly complies with jurisdictional regulations and is open only to residents of the US and select Latin American countries, requiring valid local identification and proof of address.
Which mobile wallets does UGLYCASH Card support?
Supports provisioning to Apple Pay and Google Pay for one-tap payments at contactless physical POS terminals and online merchants.
Are card funds protected by FDIC insurance?
Eligible USD deposits held at partner bank Lead Bank are covered by pass-through FDIC insurance, but eUSD stablecoin balances and self-custodied crypto assets are not covered by FDIC insurance.
📜 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 UGLYCASH Card on X; search results may change over time.
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