Why it stands out
- 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
A virtual Lead Bank Visa for spending USDC through Fuse Wallet's Solana smart-account flow. KYC activates the free Fuse Plus card tier; Apple Pay and USD/EUR receive rails broaden everyday use, while iOS-only access, no ATM or physical card and conflicting country wording remain important constraints.
No FXSelf-custodyUS availableClear feesCrypto-nativeFree base plan
Official Fuse wording conflicts between the listed 18-market list and a narrower U.S./Argentina sentence. Listed country records are context only; verify current eligibility in the iOS app before applying.
Main trade-offs
- The card and app are iOS-only: no physical card, ATM or Android access.
- The wallet-only Free state has no card; KYC unlocks the free Fuse Plus card tier.
- Official country wording conflicts; prepaid fiat is not FDIC insured.
01 · Core economics
Costs that matter
Fuse Wallet is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
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
Foreign exchange0%FX cost matters most when spending outside USD.
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/day; $2,000/transactionListed
Monthly card spendMonthly cap not disclosed; daily and transaction caps are approvedListed
ATM limitNot availableListed
Account depositUnknownListed
02 · Rewards programme
Reward programme details are not verified
Fuse 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 approved purchase reward rate
Same as the approved base rate
Payout asset is not approved
Unknown caps are not treated as unlimited
Memberships
Entry tier
$0after KYCFuse Plus
Virtual Fuse Card
- Cashback
- Cashback not disclosed
- Best fit
- Base card tier after wallet verification/KYC; no paid upgrade required.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardNot available
- ATM withdrawalsNot available
Wallets & apps
- Apple PayAvailable
- Google PayNot confirmed
- iOS appAvailable
- Android appNot confirmed
- Web appNot confirmed
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 receive · 3 routesCrypto depositsUSDCSOLSPL tokensBank depositsACHFedwireLocal bankSEPAUSDEUR
Crypto deposits
1 route
Crypto deposits
Received as supported stablecoin or converted to USD balance according to card account settings · Auto-converted into stablecoin/USD balance on receipt
USDCSOLSPL tokensSolana
- Fee
- 0%
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
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 account
Incoming USD is converted to USDC.
USD
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- $4,000 / transfer
- Availability
- Region-dependent
Route details
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 account
Incoming EUR is converted to USDC.
EUR
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- $4,000 / transfer
- Availability
- Region-dependent
Route details
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 settle · 2 routesExternal crypto sendsUSDC1 networkBank transfers & payoutsACHSEPALocal bankUSDEUR
External crypto sends
1 route
Solana USDC transfers
Fuse supports Solana/SPL-token transfers, and Card Account funds can return to Main after a 5-minute security lock.
USDCSolana
- Fee
- Not confirmed
- Speed
- Network-dependent
- Limits
- Shown in app
- Availability
- Confirmed scope
Route details
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 transfers
Bank transfers are separate from card spending; Fuse support lists restricted countries and US state exclusions.
USDEUR
- Fee
- $1
- Speed
- Not confirmed
- Limits
- Shown in app
- Availability
- SEPA
Route details
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
Earn is separate from the card
These yield products require a separate deposit. APY is variable, and neither return nor principal is guaranteed.
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 runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
Official Fuse wording conflicts between the captured 18-market list and a narrower U.S./Argentina sentence. Listed country records are context only; verify current eligibility in the iOS app before applying.
Countries in the broad official list18 countries
ArgentinaBoliviaBrazilColombiaCosta RicaDominican RepublicEcuadorEl SalvadorGhanaGuatemalaHondurasMexicoNigeriaPanamaParaguayPeruUnited StatesUruguay
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productFuse Wallet
Public-facing product and account experience; legal operators are listed separately when confirmed.
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 73
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
73/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift99
Cost efficiency
No monthly fee, 0% FX fee and 0% conversion fee shape the day-to-day cost profile.
Additional support91
Company & infrastructure
Named programme infrastructure includes Lead Bank (issuer), Bridge Ventures LLC (processing), Squads Labs (processing) and Visa (network).
Main constraint15
Rewards value
Purchase reward value is reflected in the confirmed cashback structure.
08 · Evidence
Sources
18 sources16 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Help keep this page accurate
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