Main strengths
- USDC spending uses a separate Card Account with a return path to Main.
- The virtual Visa works with Apple Pay for contactless in-person spend.
- USD and EUR receive rails cover ACH, wire and SEPA, converting to USDC.
Fuse Card black frontStandard card design
Stablecoin account + Visa card
Fuse Card
Fuse Card uses a Solana smart account and separate USDC Card Account for virtual Visa spending, with Apple Pay plus ACH, wire and SEPA receive rails. Wallet funding, card payments and bank-style receive routes remain distinct parts of Fuse Wallet.
No FXSelf-custodyUS availableClear feesCrypto-nativeFree base plan
Main trade-offs
- The card and app are iOS-only: no physical card, ATM or Android access.
- ACH, wire and SEPA deposits convert to USDC rather than an insured bank balance.
- Official country wording conflicts; prepaid fiat is not FDIC insured.
01 · Core economics
Costs that matter
Fuse Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Fuse Plus$0Wallet verification/KYC activates Fuse Plus, the free entry tier for Fuse Card.
Card monthly fee$0/moThe cardholder agreement separately confirms a $0 monthly card fee.
Top-up0%No stated provider funding surcharge
Provider FX markup0%Check the fee shown before confirmation; there is no general purchase reward to offset it.
Asset conversion fee0%No separate asset-conversion fee is listed for card spending.
ATM withdrawalNot availableNo ATM withdrawal route is listed for this card.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
Daily card spend$2,000/dayListed
Monthly card spendNot disclosedListed
ATM limit$0/24hListed
Account depositNot disclosedListed
02 · Rewards programme
Card features and spending mechanics
Fuse Card focuses on its spending and account features. The current card programme does not add purchase cashback or points.
Current card programme
Memberships
Entry tier
$0after KYCFuse Plus
Virtual Fuse Card
- Cashback
- 0%
- Best fit
- Base card tier after wallet verification/KYC; no paid upgrade required.
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 networkAvailable
- Virtual cardAvailable
- Physical cardVirtual only
- ATM withdrawalsNo ATM access
Wallets & apps
- Apple PayAvailable
- Google PayNot disclosed
- iOS appAvailable
- Android appNot offered
- Web appNot disclosed
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsAvailable
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Fuse Wallet
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive3 routes
Crypto deposits
1 route
Crypto depositsReceived as supported stablecoin or converted to USD balance according to card account settings · Auto-converted into stablecoin/USD balance on receiptUSDCSOLSPL tokensSolanaFee0%SpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- 0% · transfer
Access path
Via connected wallet
Asset / network map
USDC: Solana · SOL: Solana
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Restrictions
Supported receive and outbound networks for this stablecoin. · Receive-only crypto deposit. The asset is converted after it reaches the card app.
Bank deposits
2 routes
USD virtual bank accountIncoming USD is converted to USDC.USDFeeNot confirmedSpeedVaries by railLimits$4,000 / transferAvailabilityRegion-dependentDetails
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Availability
Incoming USD is converted to USDC. Virtual account is a passthrough and does not hold a separate balance. $4,000 per transfer from individuals; own-account and business transfers have no stated Fuse cap. Direct debit is unsupported; KYC, provider and regional checks apply.
Fee scope
Not stated on the reviewed receive page; sending-bank or provider fees may apply
Account setup
virtual account
EUR virtual bank accountIncoming EUR is converted to USDC.EURFeeNot confirmedSpeedVaries by railLimits$4,000 / transferAvailabilityRegion-dependentDetails
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Availability
Incoming EUR is converted to USDC. Virtual account is a passthrough and does not hold a separate balance. $4,000 per transfer from individuals; own-account and business transfers have no stated Fuse cap. Direct debit is unsupported; KYC, provider and regional checks apply.
Fee scope
Not stated on the reviewed receive page; sending-bank or provider fees may apply
Account setup
virtual account
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Supported stablecoins follow the account credit settings. 2 mapped receive-only non-stable assets are auto-converted into the stablecoin/USD balance on receipt.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
Solana USDC transfersFuse supports Solana/SPL-token transfers, and Card Account funds can return to Main after a 5-minute security lock.USDCSolanaFeeNot confirmedSpeedNetwork-dependentLimitsShown in appAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via connected wallet
Asset / network map
USDC: Solana
Availability
Fuse smart wallet on Solana
Fee scope
Provider withdrawal fee not disclosed
Account setup
wallet
Restrictions
Fuse supports Solana/SPL-token transfers, and Card Account funds can return to Main after a 5-minute security lock. Check network and exchange-address compatibility in app.
Bank transfers & payouts
1 route
ACH / SEPA bank transfersBank transfers are separate from card spending; Fuse support lists restricted countries and US state exclusions.USDEURFee$1SpeedNot confirmedLimitsShown in appAvailabilitySEPADetails
Fee components
- $1 · ACH
- No provider transfer fee
Access path
Via connected wallet
Availability
Bank accounts that accept ACH or SEPA, subject to country and US state restrictions
Restrictions
Bank transfers are separate from card spending; Fuse support lists restricted countries and US state exclusions.
05 · Optional product
Add yield through a separate balance
These yield products add variable-rate options through separate deposits. Move funds back to the spending balance when direct card spend is not supported.
Optional yield
Drift Lending Yield
Variable by asset
Optional yield
Lulo Rebalancing Yield
Variable by asset
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 Fuse Wallet 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.
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
Countries explicitly listed18 countries
ArgentinaBoliviaBrazilColombiaCosta RicaDominican RepublicEcuadorEl SalvadorGhanaGuatemalaHondurasMexicoNigeriaPanamaParaguayPeruUnited StatesUruguay
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productFuse Wallet
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyCard issuerLead Bank
Issues the prepaid Visa card as a Missouri state-chartered bank.
Jurisdiction: Missouri, United States · Applies to: Fuse Card US programme.Card processingBridge Ventures LLC
Supports card processing for the applicable programme.
Card processingSquads Labs
Acts as the platform provider for the Fuse Card experience.
Applies to: Fuse Card US programme under the captured agreement.Programme operatorBridge Ventures LLC
Performs card-related programme functions and customer service on behalf of Lead Bank.
Jurisdiction: Delaware, United States · Applies to: Fuse Card US programme.07 · Methodology
Why the score is 74
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.
74/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift97
Cost efficiency
No monthly fee, 0% FX fee and 0% conversion fee shape the day-to-day cost profile.
Additional support93
Company & infrastructure
Named programme infrastructure includes Lead Bank (issuer), Bridge Ventures LLC (processing), Squads Labs (processing) and Visa (network).
Main constraint0
Rewards value
No purchase cashback is included in the confirmed product terms.
08 · Evidence
Sources
15 sources15 officialChecked Aug 12, 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
09 · Card comparison
How Fuse Card compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Fuse Card
USDC spending uses a separate Card Account with a return path to Main.
- Card
- Debit Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 0%
- FX fee
- 0%
- Apps
- iOS · Web app not confirmed
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 0%
- FX fee
- 1.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 3%–5%
- FX fee
- 1%
- Apps
- iOS, Android, Web app
- Stablecoin set
- soUSD, USDC + USDT
- Transfers & payouts
- Crypto transfers
Want a deeper comparison?
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