Every figure in this report is taken from this directory as it stood on 2026-10-16. Cards, changes and shutdowns added after that date are not reflected here. All figures are recomputed from the card data and change records at build time rather than written by hand.
- Snapshot date
- Cards covered
- 162
- Change records
- 304
- Official sources
- 599
Five findings
Each one is written as a single quotable sentence. Every figure in them is recomputed and checked by the build script, and a figure that no longer matches the data fails the build — a number that has been quoted elsewhere cannot be quietly wrong.
Fee transparency
Of the 162 crypto cards in this directory, only 58 (35.8%) publish a specific foreign-exchange fee figure in their official materials, and the median across those 58 is 1%.
105 of the 162 (64.8%) publish no monthly fee at all; of the 57 that do, 42 charge nothing. A further 2 describe their foreign-exchange fee in words only ("no charge", or a rate that depends on tier) without stating a single figure.
The finding is not the 1% median but that most crypto cards do not publish their fees at all: 102 state neither a figure nor a description. 11 of the 58 that do give a number are at 0%, but that is not the same thing as the silent group — one is a promise, the other is unknown.
Identity checks
Of the 150 crypto cards that have not shut down, 136 (90.7%) explicitly require identity verification in their official materials, and not one is verified as active with no KYC.
The rest either leave the check to the issuer's discretion or carry no provider statement. This site does not file "no evidence" under "no KYC".
"Not stated" is not "not required". Counting the 9 cards whose providers say nothing as no-KYC would produce a no-KYC rate that does not hold up at all.
How do KYC and no-KYC cards compare?Check eligibility before comparing fees
Apple Pay
Of the 162 crypto cards, 68 (42.0%) have official confirmation of Apple Pay support and 85 (52.5%) carry no provider statement; among the 77 whose status is known, official support runs at 88.3%.
The remainder are community reports, contradictory provider statements or explicit non-support.
The two rates differ widely depending on which denominator is used. Both are given here, because 42.0% alone understates actual support and 88.3% alone hides that more than half these products disclose nothing at all.
Shutdowns and change
As of 2026-10-16, 12 of the 162 crypto cards in this directory have shut down and 4 are winding down — 16 in total (9.9%).
In October 2026 alone this site recorded 141 crypto card rule and status changes, 10.1 times the 14 logged in June 2026. The directory holds 304 change records in total.
Shutting down is not the same as absconding. Of these 16, some were retired deliberately after an acquisition and others went down with the platform that ran them. Separating a commercial exit from a failure is what keeps you from misjudging the risk on the card in your hand.
Issuer concentration
Of the 162 crypto cards, 37 (22.8%) name Rain, Bridge or Lead Bank in their official materials as the issuer or the clearing partner.
Widened to all 42 issuing and clearing entities this site can verify, 90 cards (55.6%) name at least one; 72 (44.4%) disclose no specific issuer, saying only "varies by region" or "licensed partner".
The top three together account for under a quarter, but the single largest entity is Rain (20 cards). The real risk in issuer concentration is not the size of the share but that when one clearing channel has a problem, the cards behind it fail as a group.
BIN InspectorIssuing arrangements and card network comparison
Data and method
What is counted
This report describes the 162 products in this directory, not the whole market. There is no census of crypto cards to compare against, and this site does not claim to cover every product; what gets included depends on finding a traceable official entry point, not on sampling. Every rate here should therefore be read as "within this directory" and never as a market share.
Of the 162, 150 are active profiles and 16 have shut down or are winding down. By group: 46 on-chain and self-custody, 73 standalone wallet and payment cards, 31 exchange cards, and 12 discontinued archives.
Why "not published" is not "free"
The easiest mistake to make about fees is to read "the provider did not say" as "the provider said no". This site treats a fee that appears nowhere in the official pages, help centre or card terms as "not published" and counts it in no numerator. That makes the disclosure rate look lower, but treating an unknown as a favourable term is the more serious error.
Foreign-exchange fees fall into three groups: 58 cards that state a specific figure (median 1%, of which 11 are 0%), 2 that describe the fee in words only, and 102 that publish nothing. The finding quotes the first group, because it is the only one a median can be taken over.
Identity checks work the same way. Of the 150 products that have not shut down, 136 explicitly require verification, 5 leave it to the issuer's discretion and 9 carry no provider statement. Zero are verified as active and requiring no KYC — not "very few", but no evidence supporting any, and this site will not write no-evidence up as no-KYC.
Why Apple Pay gets two rates
Of the 162, 68 have official confirmation of support, 85 carry no provider statement, 4 rest on community reports, 4 are explicitly unsupported and 1 have contradictory provider statements. Divided by all cards that is 42.0%; divided by the 77 whose status is known it is 88.3%. Both are right — they answer different questions: the first asks how likely a randomly drawn crypto card is to state support, the second what the support rate is among the products that disclose anything at all.
How issuers are counted
The issuer field in the card data is free text, and all 162 records are written differently — "Rain", "Rain (Visa principal member)", "issued by Lead Bank / managed by Bridge" and "Rain or Wirex (by country of residence)" all appear, and a further 72 name no entity at all, saying only "varies by region" or "licensed partner". A concentration figure produced by fuzzy matching is one a reader cannot reproduce, so the 42 entities this site can verify are listed one by one, with the cards counted under each named below.
A brand describing itself does not count as naming an entity: wording like "KazePay card programme" or "Breet, with a compliant partner bank across Africa" says that the brand runs the programme and discloses no third-party issuer, so it is not counted as named. That pushes concentration lower than it might look, but counting self-description as disclosure would overstate transparency.
The three named in the finding — Rain, Bridge and Lead Bank — account for 37 cards between them; widened to all 42 entities it is 90 cards, of which 18 are named by more than one product. A card with multiple issuers is counted under each of them, so the per-entity figures sum to more than 90.
Issuing and clearing entities
The table below lists every entity this site can verify by name, with its card count and the cards behind it. Open one to check it card by card. The 72 cards that name no entity are listed after the table.
| Entity | Cards | Cards counted |
|---|---|---|
| Rain | 20 | |
| Bridge | 16 | |
| Lead Bank | 10 | |
| Monavate | 5 | View card list5 |
| Third National / Nimbus | 4 | View card list4 |
| Wirex | 4 | |
| Baanx / Crypto Life | 3 | View card list3 |
| Fiat24 | 3 | View card list3 |
| Pomelo | 2 | View card list2 |
| Wallester | 2 | View card list2 |
| Immersve | 2 | View card list2 |
| Pecunia / Pecunpay | 2 | View card list2 |
| DCS | 2 | View card list2 |
| Cross River Bank | 2 | View card list2 |
| Stripe Issuing | 2 | View card list2 |
| Quicko | 2 | View card list2 |
| SoFi Tech Solutions | 2 | View card list2 |
| StraitsX / Xfers | 2 | View card list2 |
| Thredd | 1 | View card list1 |
| Sutton Bank | 1 | View card list1 |
| Pathward | 1 | View card list1 |
| Paynovate | 1 | View card list1 |
| DOCK | 1 | View card list1 |
| On5 Card Network | 1 | View card list1 |
| Xapo Bank | 1 | View card list1 |
| Unlimit EU | 1 | View card list1 |
| Qbitech / Interlace | 1 | View card list1 |
| Reap Technologies | 1 | View card list1 |
| Deblock SAS | 1 | View card list1 |
| First Electronic Bank / Cardless | 1 | View card list1 |
| Shanghai Commercial Bank | 1 | View card list1 |
| Union Bank of Taiwan | 1 | View card list1 |
| KGI Bank | 1 | View card list1 |
| Digital Treasures Center | 1 | View card list1 |
| EFY Finance | 1 | View card list1 |
| Aplus Co., Ltd. | 1 | View card list1 |
| METABANK | 1 | View card list1 |
| Twispay / xMoney | 1 | View card list1 |
| Whales Corp | 1 | View card list1 |
| Signify Holdings | 1 | View card list1 |
| OuiTrust | 1 | View card list1 |
| EMURGO | 1 | View card list1 |
Cards naming no issuing or clearing entity72
- Ethena Pay
- RedotPay
- Bybit Card
- Crypto.com Card
- Nexo Card
- KAST
- Tria Card
- Wirex One Card
- Ready Card
- Cypher Card
- Cashi Card
- OKX Card
- OrbitX Pay Card
- BitMart Card
- Bitpanda Visa Card
- Tevau Card
- MEXC Card (Global / APAC)
- Pionex Card (Visa / Mastercard)
- WhiteBIT Nóva Card (EUR suspended / USD added)
- Trustee Plus Card
- hi Debit Mastercard
- Uphold Debit Card
- Gate Card
- Solayer Pay (Solayer Emerald)
- PokePay Card
- BiyaPay EasyCard
- Exa Card
- Holyheld Card
- Kolo Card
- Solflare Card
- Tuyo Card
- PEXX Mastercard
- MaxSwap Card
- Offramp Visa Card
- Fizen Card
- Infini Global / Lite / Tech Card (archived)
- DuPay Card (archived)
- Morph Black Card (archived)
- Morph Platinum Card (archived)
- Infini Pro / AI / Max Card
- Busha Card
- BloFin Card (exchange card)
- LBank Card
- Pulsar Money Card
- Decaf Card
- CasherCard
- YouHodler Crypto Card
- TRASTRA Visa Card
- BingX Card
- Anodos Card
- SolCard
- THORWallet Card
- SwissBorg Crypto Card
- 51VCard (archived)
- Lava Card
- Startale Card
- Bix Card
- ARQ Card
- WaldenPay Virtual Card
- UstarPay Virtual Card
- OneKey Card (archived)
- WildCard (Yeka)
- Backpack Card
- Lemon Bitcoin-Backed Credit Card
- World Card
- Brighty App Card
- Zeal Visa Debit Card
- Walt Crypto Card
- Breet Card
- XPlace Card
- Fasset Card
- Laso Crypto Prepaid Cards
The issuer field on these card profiles reads "varies by region", "licensed partner", "per card agreement" or "—". This site does not speculate about the entities behind them.
Downloadable data
Every figure in this report can be recomputed from the files below. The card dataset JSON carries each card's status, fee fields, KYC category and official sources; the change log CSV carries the event date and description for all 304 records.
- Card dataset JSON · full fields and official sources
- Change log CSV · every rule and status change
- Directory coverage CSV · verification dates and source counts
- Directory coverage report · scope and verification method
How to cite this
Cite this report with its snapshot date, because the figures change as the directory is updated. Suggested form:
UCard Observer, "2026 Crypto Card Market Report," data snapshot 2026-10-16.
When citing a specific rate, state as well that the denominator is the 162 products in this directory rather than the whole market. When quoting a finding, leave its denominator and date in place — those two components are what define the range in which the sentence holds.
Continue reading
Closed or Winding Down: What to Switch To · Monthly change digests · Card status radar · Card directory