Main strengths
- The One plan has no monthly charge, while Plus and Pro add more cards.
- Purchases earn 0.5% in USDC; selected categories reach 1.25%-1.75%.
- SEPA, Faster Payments and crypto routes feed the linked Brighty account.
Brighty VisaStandard card design
Stablecoin account + Visa/Mastercard card
Brighty Card
Brighty Card links Visa and Mastercard variations to one custodial Brighty account. Visa has the fuller reviewed path, including physical cards on Plus and Pro, while both networks share plan allowances and USDC cashback; several Mastercard-specific fees and legal details remain unpublished.
Visa / MCNo CEXCategory rewardsBTC depositsCrypto-nativeFree base plan
Main trade-offs
- Visa charges 2% abroad; Mastercard's foreign-transaction fee is undisclosed.
- Physical Visa needs Plus or Pro; physical Mastercard and ATM terms are unknown.
- A €2.99 issue fee conflicts with the published free-card allowance by plan.
01 · Core economics
Costs that matter
Brighty Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Cash funding0%Provider-account crypto deposits: €0 Brighty fee. SEPA and Faster Payments deposits: €0. SWIFT deposits: 0.7%, minimum €12. External network costs are not card fees.
Card network conversion surchargeUp to 2%Published for the reviewed Visa programme; the Mastercard amount is not disclosed.
Asset conversion fee0.6%Conservative One-plan rate above its €0 free allowance; Plus is 0.5% above €2,000/month and Pro is 0.4% above €5,000/month.
Physical card$0One-time physical card cost
Limits and secondary feesLimits and other fees
ATM withdrawalNot confirmedListed
Declined transactionNot disclosedNot disclosed
Daily card spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Category rewards
Brighty category cashback
Brighty Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Lowest current purchase reward rate
Selected categories — maximum band only; see the category schedule below
USDC
Current monthly cashback-value cap range across tiers
Current rate schedule
Cashback by spend category
The rate follows the eligible payment category or route rather than a membership tier. 1.75% applies only to Selected categories — maximum band. Category-specific eligible-spend caps are not disclosed; any programme-wide cashback-value cap is shown in the summary.
CategoryRateEligible purchases and cap
All other eligible purchases0.5%
All plans; eligible settled purchases outside a selected-category boost
Eligible spend cap not disclosedSelected categories — lower band1.25%
Depends on plan and selected category; the current category-to-rate mapping is shown in the Brighty app
Eligible spend cap not disclosedSelected categories — maximum band1.75%
Conditional maximum; depends on plan and selected category, with the current rate shown in the Brighty app
Eligible spend cap not disclosedCashback is credited at the start of the following month in USDC. Merchant coding, programme exclusions, reversals and clawbacks still apply. Cryptocurrency purchases and Curve-routed or equivalent payments.
Memberships
Upgrade
$0/yrOne
Virtual Visa or Mastercard
- Cashback
- 0.5% in USDC
- Cashback Cap
- $20 / month
- Requirement
- €0/month
- Virtual cards
- 1 included; €2.99 issue-price interaction unresolved
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
€9/monthrequirementPlus
Virtual Visa or Mastercard; physical Visa
- Cashback
- 0.5% in USDC
- Cashback Cap
- $60 / month
- Requirement
- €9/month
- Virtual cards
- 2 included; €2.99 issue-price interaction unresolved
- Best fit
- Check the plan price, rewards and limits before upgrading.
Upgrade
€18/monthrequirementPro
Virtual Visa or Mastercard; physical Visa
- Cashback
- 0.5% in USDC
- Cashback Cap
- $100 / month
- Requirement
- €18/month
- Virtual cards
- 3 included; €2.99 issue-price interaction unresolved
- Best fit
- Check the plan price, rewards and limits before upgrading.
03 · Everyday use
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa/Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayNot disclosed
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Crypto depositsVia provider account
- Bank depositsRegion-dependent
- Crypto withdrawalsVia provider account
- Fiat withdrawalsRegion-dependent
- Direct card top-upsNot supported
04 · Money in and out
How money enters, settles and leaves Brighty
The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.
Money inWays to fund or receive3 routes
Crypto deposits
1 route
Crypto depositsCredits the custodial Brighty provider account used by the cardUSDCEURCBTCETHFeeNot confirmedSpeedNot confirmedLimitsIncoming crypto monthly limit is published as unlimitedExternal cost€0 transferDetails
Fee components
- €0 · transfer
Access path
Via provider account
Availability
Supported asset and network combinations
Restrictions
Supported asset and supported network lists are approved separately; no pairing is inferred.
Bank deposits
2 routes
SEPA / Faster PaymentsInbound bank funding to the Brighty account, not a direct card top-up.EURGBPFee€0SpeedVaries by railLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- €0 · transfer
Access path
Via provider account
Availability
Inbound bank funding to the Brighty account, not a direct card top-up.
Limit scope
Not publicly confirmed
SWIFTInbound international bank funding to the linked Brighty account.Fee0.7%SpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- 0.7% · transfer
Access path
Via provider account
Availability
Inbound international bank funding to the linked Brighty account.
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
All deposit routes fund the custodial provider account that the card accesses.
Money outWays to send, withdraw or settle3 routes
External crypto sends
1 route
Crypto withdrawalSends supported assets through the listed crypto transfer route.USDCEURCADAXTZ16 assetsFeeNot confirmedSpeedNetwork-dependentLimitsunlimitedExternal cost€1 network, €20 networkDetails
Fee components
- €1 · network
- €20 · network
More assets, currencies or networks
ISLM, TON, BTC, ETH, SOL, TRUMP, ARB, BNB, TRX, MATIC, NPC, SHIB
Access path
Via provider account
Availability
Supported Brighty provider-account networks
Bank transfers & payouts
2 routes
SEPA / Faster Payments payoutAccount rail inherited by the linked card; not a card fee.EURGBPFee€0.5–€3SpeedVaries by railLimits€30,000 / dayAvailabilityConfirmed scopeDetails
Fee components
- €3 · transfer
- €0.5 · transfer
Access path
Via provider account
Availability
Provider-account bank transfer
Limit scope
Not publicly confirmed
Restrictions
Account rail inherited by the linked card; not a card fee.
SWIFT payoutAccount rail inherited by the linked card; not a card fee.EURUSDGBPAEDFee0.9%SpeedVaries by railLimitsPlan account limits applyAvailability4 payout currenciesDetails
Fee components
- 0.9% · transfer
Access path
Via provider account
Availability
Provider-account international bank transfer
Restrictions
Account rail inherited by the linked card; not a card fee.
05 · Balance yield
Earn on the spendable balance
The eligible balance can earn a variable rate while remaining available for card spend and transfers.
Spendable yield
Linked-card balance reward
Variable by asset
- Yield source
- Not confirmed
- Yield mechanism
- Exchange savings/lending
- Redemption
- Accrues daily and pays USDC to Reward Box; the user may opt out.
- Assets
- USDC, EURT, EURC, EURA
- Card relationship
- Yield balance can fund card spend
- Withdraw anytime
- Not confirmed
- Deposit insurance
- Not confirmed
Risk noteVariable APY, custody, smart-contract, liquidity, protocol, counterparty and market risks may apply. Treat Earn/vault balances as separate yield exposure; access to funds depends on the provider's current withdrawal, card and collateral rules.
06 · Trust and eligibility
Where Brighty is available and who supports the card
See current signup reach, identity checks and the organisations behind the card.
Identity & KYC
Identity verification is required to access card services.
- Verification provider
- Sumsub
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm programme assignment and eligibility during signup.
- Residence perimeter
- 36 countriesPublished regional guidance; final access remains account- and KYC-dependent.
- Final access check
- Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.
Residence eligibility perimeter36 countries · access still account-gated
AndorraAustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaMoldovaMonacoMontenegroNetherlandsNorwayPolandPortugalRomaniaSan MarinoSlovakiaSloveniaSpainSwedenSwitzerland
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productBrighty
Provides the product and account experience. Named legal operators appear separately.
Custody controlBrighty + programme partners
Controls settlement until payment.
Custodial accountCustody / key managementFireblocks
Crypto custody infrastructure
Applies to: Brighty provider accountIdentity verificationSumsub
KYC checks
Applies to: Brighty onboardingCard issuerWallester AS
Visa card issuance
Jurisdiction: EEA · Applies to: Visa only; current Mastercard issuer remains unknown07 · Methodology
Why the score is 70
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
70/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift96
Everyday usability
Visa/Mastercard spending includes virtual card, physical card, Apple Pay and ATM access.
Additional support87
Funding & transfers
3 inbound and 3 outbound routes cover crypto deposits, crypto withdrawals and bank payouts.
Main constraint39
Rewards value
0.5% base cashback and up to 1.8%; higher rates depend on complex conditions, paid in USDC.
08 · Evidence
Sources
25 sources25 officialChecked Aug 16, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Brighty app service jurisdictionsOfficial source ↗Brighty identity verification providerOfficial source ↗Fees and Limits | Brighty FAQOfficial source ↗Card Issuance, Freezing and Termination | Brighty FAQOfficial source ↗What is Cashback? | Brighty FAQOfficial source ↗Cashback Terms & Conditions | Brighty AppOfficial source ↗
09 · Card comparison
How Brighty Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday card access and money movement.
1 / 3
Current card
Brighty Card
The One plan has no monthly charge, while Plus and Pro add more cards.
- Card
- Debit Visa + Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0.5%–1.75%
- FX fee
- 2%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
Similar match
KAST supports crypto sends, instant Tag transfers and global or local payouts.
- Card
- Prepaid Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1.5%–3%
- FX fee
- 0.5%–1.75%
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC, USDe +2
- Transfers & payouts
- Crypto, Bank + Internal transfers
Similar match
Funding routes and Mastercard spending sit in the same Bybit EU account flow.
- Card
- Debit Mastercard, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 1%–10%
- FX fee
- 0.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
Help keep this page accurate
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Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.