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2026 Crypto Card Market Report: 162 Cards

Fees, identity checks, Apple Pay support, shutdowns and issuer concentration across the 162 crypto cards in this directory. Snapshot date 2026-10-16.

This is a data snapshot, not a full-year count

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The finding is not the 1% median but that most crypto cards do not publish their fees at all: 102 state neither a figure nor a description. 11 of the 58 that do give a number are at 0%, but that is not the same thing as the silent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.

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.

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.

Issuing and clearing entities named in official materials
EntityCardsCards counted
Rain 20
View card list20
Bridge 16
View card list16
Lead Bank 10
View card list10
Monavate 5
View card list5
Third National / Nimbus 4
View card list4
Wirex 4
View card list4
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

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.

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.

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