Eligible residents in 45+ US states
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- No monthly fee, no issuance fee or annual fee; 0% transaction fee on purchases within the United States; ATM withdrawals charged according to network machine standards.
- Debit / Deduction Model
- Tokenized money market fund (RWA) real-time settlement: Holdings earn annualized Treasury yield, automatically liquidated by Stride Bank, N.A. upon card spend
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Restricted to compliant US residents; must provide a valid US Social Security Number (SSN), legal US residential address, and pass US Patriot Act anti-money laundering verification.
- Officially supported countries and regions
- Eligible residents in 45+ US states
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa (official US bank-issued Visa Debit card, physical and virtual cards, supporting Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Stride Bank, N.A. (FDIC member bank) and WisdomTree. Card BIN is unpublicized; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- Native official support for Apple Pay, enabling Visa contactless tap-to-pay across the United States and globally.
- Overseas AI Subscriptions
- Standard US bank debit card BIN (top-tier credit profile), 100% reliable for subscriptions to US services like ChatGPT Plus, Claude Pro, and AWS.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- Account balances are automatically invested in the WTGXX tokenized government money market fund, earning ~4.5%–5% APY annualized cash yield, accruing returns every second before spending.
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
- Endorsed by US-Listed Asset Management Giant & FDIC Member Bank
- Jointly launched by Nasdaq-listed WisdomTree and FDIC member bank Stride Bank, backed by premier traditional financial compliance credentials. [1] [2]
- Earn-Until-You-Spend Mechanism
- Completely overturns traditional zero-interest debit cards and prepaid card fund drag: idle balances earn benchmark Treasury yield around the clock with seamless liquidation at the moment of spending. [1]
- Native Digital Assets & Gold Token Support
- Beyond USD stable-yield funds, the wallet also supports tokenized physical gold and major crypto assets, ready for one-click allocation and spending liquidation at any time. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa Debit
- Issuer arrangement / BIN
- Stride Bank, N.A. (FDIC member bank) and WisdomTree. Card BIN is unpublicized; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Native official support for Apple Pay, enabling Visa contactless tap-to-pay across the United States and globally.
- Google Pay
- ✅ Explicitly stated in official materials: Native official support for Google Wallet, compatible with all NFC-enabled Android smartphones.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Standard US bank debit card BIN (top-tier credit profile), 100% reliable for subscriptions to US services like ChatGPT Plus, Claude Pro, and AWS.
Compatibility information for this card was verified on 2026-10-19 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
- WisdomTree Prime (WisdomTree, Inc.)
- Web Portal Support
- Mobile App Only — WisdomTree Prime is a mobile-only app (iOS listed exclusively on the US storefront); the official website provides only product overviews, FAQs, and a Help Center without web login; debit card applications and management are handled entirely within the app
- Apple App Store
-
App Store Official Download ↗ 1 storefront only: US
- Google Play
-
▶ Google Play Official Download ↗ Store page is accessible across all 174 regions, but services are available exclusively to US residents
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
WisdomTree Prime Privacy Policy (version dated 2026-03-31, in-app PDF) is framed under US law and includes a GLBA financial privacy notice; users may log in to review and update certain account details, or email privacy@wisdomtree.com or contact in-app support to request access, correction, or deletion of accounts and select personal information, which may be limited or denied for legal or legitimate business purposes; identity verification is handled by Socure, and bank account linking uses Plaid; shares data with third-party ad networks for interest-based advertising, with marketing emails opt-out available; does not respond to Do Not Track signals; website policy (2024-10-17) additionally lists US state privacy rights including opt-outs for data sales and targeted ads; GDPR is not referenced
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- Retained for the period necessary to fulfill collection purposes, including legal, operational, professional, and regulatory requirements; specific retention timeframe not specified
- App Store Privacy Label
- Used to track: Usage Data; Linked to you: 7 categories; Not linked to you: 1 category
- Google Play Data Safety
- No third-party data sharing; Collects 5 categories; Deletion can be requested; Data encrypted in transit
- Account Deletion Flow
-
Privacy policy states users may email privacy@wisdomtree.com or contact in-app support to request deletion of accounts and select information, subject to identity verification, except where retention is required by law; no in-app self-service closure entry found; Google Play states deletion can be requested
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
The Ultimate Integration of RWA Assets and Daily Spending
WisdomTree Prime is the pioneer in deeply embedding real-world asset (RWA) tokenization into the mainstream Visa payment network, balancing asset growth with instant liquidity. [1] [2]
Strict US Compliance Threshold
Currently, this service is open exclusively to domestic US taxpayers, requiring verification of a US SSN and domestic residential address, and is not yet open to non-US residents. [1]
Frequently asked questions
How does the WisdomTree Prime Card earn yield?
Deposited funds are automatically used to purchase shares of the tokenized WisdomTree Government Money Market Digital Fund (WTGXX), with yield accrued daily and positions automatically liquidated to offset purchases upon card swipe.
Are the funds protected by FDIC insurance?
Cash deposited in bank accounts at Stride Bank, N.A. is protected by FDIC deposit insurance up to $250,000 USD; tokenized fund products are fiduciary investment assets.
Can Scallop Card be added to Apple Pay?
Supported. Virtual or physical cards can be added to Apple Wallet and Google Wallet with one click via the official app.
📜 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 WisdomTree Prime Card on X; search results may change over time.
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