Rates, reward asset and caps are not public yet
Decaf virtual Visa PlatinumVirtual card
Crypto-backed Visa credit card
Decaf Card
Decaf loads a USDC-backed Visa from its Wallet, with virtual and physical cards plus Apple Pay and Google Pay. Virtual issuance costs $5 and physical cards $10–$90 by region; FX terms, collateral restrictions and undisclosed fees need attention.
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
01 · Fees & limits
Card costs
ItemValueConditions & scope
Virtual card$5One-time issuance charge.
Monthly / annual fee$0Monthly plan: $0. Annual issuer fee: $0 in both regions.
Foreign-transaction fee1–2%US: 1%. Foreign currency or transactions outside the US. International non-USD payments: Up to 2% contractual ceiling; the current applied rate is unconfirmed. US terms also list a 2% late-payment fee and require three business days notice before collateral withdrawal. International cross-border fee: 0%. A separate US cross-border charge is not established.
ATM withdrawal0%Decaf markup only. Physical-card help lists $250 per withdrawal, three daily. International terms prohibit cash advances; US ATM access requires enablement. Operator fees may apply.
Physical card$10–$90$90 international / $10 US. The August 2025 contract lists older issuance prices. Separate shipping charges and delivery timing are unconfirmed.
Limits and secondary fees
ItemValueConditions & scope
Declined transactionNot disclosedNo reusable declined-transaction fee is published.
Daily card spendNot disclosed
Monthly card spendNot disclosed
ATM limit$250/withdrawal$250 per withdrawal; up to 3 withdrawals daily
Account depositNot disclosed
02 · Rewards programme
No public rewards schedule yet
No current purchase-cashback programme or membership-tier schedule is confirmed. Lulo investments are separate and do not establish card cashback.
03 · Everyday use
Card access & apps
Card access
- Visa network
- Virtual card
- Physical card
- ATM withdrawalsNot confirmed
Wallets & apps
- Apple Pay
- Google Pay
- iOS app
- Android app
- Web app
04 · Money in and out
Balance, payments & transfers
Balance & payments
Wallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
Conversion
Mobile Wallet routes and DecafPay Web routes are separate.
Money in
Crypto depositsUSDCFeeNot confirmedDetails
- Access path
- Via provider account
- Networks by asset
- USDC: Solana, Stellar
- Fee conditions
- Receive fee not publicly confirmed
- Limits
- Not confirmed
- Account setup
- wallet
- Conditions
- Asset and network support varies
- Timing
- Not confirmed
- How it works
- USDC arrives in the mobile Wallet; use Add Funds to allocate it to the card.
USD, EUR and MXN account receiptsUSD · EUR · MXNFee$1–$10 + 1%Details
- Access path
- Via provider account
- Availability
- Funds arrive as USDC in the parent account. Card funding is a separate step; route and card eligibility must both apply.
- Limits
- Not publicly confirmed
- Timing
- 2-3 business days in account help
- Fee conditions
- US Account: 1% + $1 ACH or $10 wire; EUR/MXN route pricing requires confirmation
- Fee breakdown
- 1% · ACH; $1 · ACH; $10 · ACH
Money out
Parent-account bank withdrawalsUSD · EUR · MXN · COP +3FeeNot confirmedDetails
- Access path
- Via provider account
- Fee conditions
- Route-specific fee and conversion quote; numeric tariff unconfirmed
- Limits
- Not publicly confirmed
- Conditions
- Separate DecafPay account withdrawal after KYC. Recipient-country coverage does not prove cardholder eligibility. Do not count broader marketing reach as a complete allowlist.
- Timing
- Route-dependent; not established
- Availability
- SEPA
- Additional assets & networks
- BRL, ARS, VES
MoneyGram cash pickupFeeNot confirmedDetails
- Access path
- Via provider account
- Availability
- Supported MoneyGram locations and account routes
- Fee conditions
- Route quote; numeric tariff unconfirmed
- Limits
- Not publicly confirmed
- Conditions
- Parent-account cash pickup with identity checks; separate from card ATM access.
- Timing
- Route-dependent
05 · Optional product
Yield & access to your funds
Lulo ProtectedOptional yieldRateVariable by assetDirect card spendingUnknown
- Yield source
- Borrower interest on over-collateralized DeFi loans
- Yield mechanism
- Lending pool
- Protocols
- Unknown
- Strategy manager
- Lulo.fi
- Withdrawals
- Unknown
- Assets
- USDC
- Withdraw anytime
- Unknown
- Deposit insurance
- Unknown
Lulo Protected uses a separate yield position. Current rates and withdrawal terms apply.
Lulo BoostedOptional yieldRateVariable by assetDirect card spendingUnknown
- Yield source
- Borrower interest on over-collateralized DeFi loans
- Yield mechanism
- Lending pool
- Protocols
- Unknown
- Strategy manager
- Lulo.fi
- Withdrawals
- Mandatory 48-hour withdrawal cooldown
- Assets
- USDC
- Withdraw anytime
- No
- Deposit insurance
- Unknown
Lulo Boosted uses a separate yield position. Current rates and withdrawal terms apply.
Risk noteLulo Boosted takes first losses for Protected positions and can lose the full deposit; withdrawals have a 48-hour cooldown. Protected redemption terms and current APYs remain unconfirmed. These investments are separate from card cashback and are not established as directly card-spendable.
06 · Trust and eligibility
Availability & providers
Identity & KYC
Identity verification is required to access card services.
Availability
These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.
- Explicit restrictions
- 19 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Countries listed as regional guidance1 country
United States
Explicit restriction list19 countries
BelarusChinaCubaIndiaIranIraqIsraelMyanmarNepalNicaraguaNigeriaNorth KoreaPuerto RicoRussiaSyriaTurkeyUkraineVenezuelaVietnam
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productDecaf
Provides the product and account experience. Named legal operators appear separately.
Wallet custodyCardholder
Controls the non-custodial MPC wallet; card-settlement funds control is not publicly confirmed.
Non-custodial accountCard issuerThird National, Inc.
Issuer named in Decaf card documents; independent licence and jurisdiction unconfirmed.
Applies to: Role-specific; not proof of deposit insurance or unrestricted account access.Card processingRain
Card integration identified in the Unified Balance guide.
Applies to: Role-specific; not proof of deposit insurance or unrestricted account access.Deposits & withdrawalsMoneyGram
Parent-account cash pickup, not the card issuer.
Applies to: Role-specific; not proof of deposit insurance or unrestricted account access.07 · Methodology
Why the score is 64
Missing or undisclosed fields receive no positive credit.
64/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift91
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay and Google Pay.
Additional support84
Company & infrastructure
Named programme infrastructure includes Third National, Inc. (issuer), Rain (processing), Visa (network) and MoneyGram (on/off-ramp).
Main constraint15
Rewards value
No current purchase reward rate is published, which keeps this category low.
09 · Card comparison
How Decaf Card compares to others
1 / 3
Current card
Decaf Card
The virtual Visa can be added manually to Apple Pay and Google Pay.
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Non-custodial account
- Cashback
- Not confirmed
- FX fee
- Up to 2% international / 1% US
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC
- Transfers & payouts
- Bank transfers
- Card
- Credit line Visa, Virtual + Physical
- Funds control
- Hybrid custody
- Cashback
- 0.5%–2%
- FX fee
- XPlace layer: Basic 1%, Silver 0.5%, Gold 0.25%, Platinum 0%; Visa adds 1% when it converts
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC + USDT
- Transfers & payouts
- Crypto transfers
Similar match
A Visa for spending USDC from Solana, with phone-wallet access and optional yield on spendable sUSD.
- Card
- Card type not confirmed Visa, Virtual + Physical
- Funds control
- Custodial balance
- Cashback
- 0% base
- FX fee
- Not confirmed
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDC
- Transfers & payouts
- Not confirmed
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
Sources
21 sources21 officialChecked Oct 19, 2026
Primary sourcesOfficial product, fee, membership and legal pages
Unconfirmed details6 items
These details have not been verified for this profile. Missing information does not mean a service is free or available.
- Card Load Fee Percent is not confirmed
- Conversion Fee Percent is not confirmed
- Cashback Base Percent is not confirmed
- Card Country Allowlist is not confirmed
- Atm Access is not confirmed
- Account Balance Limit is not confirmed
Help keep this page accurate
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