Why it stands out
- Users keep control of wallet funds while card settlement runs through partners.
- Payy lists no application, monthly, transaction or card top-up fee.
- The virtual Visa is issued after KYC and supports Apple Pay and Google Pay.
Payy CardStandard card design
Stablecoin account + Visa card
Payy Card
Payy connects a self-custody USDC wallet to private Visa settlement, instant virtual issuance and phone wallets. It is a focused option for users who want wallet control and privacy-oriented card payments in one mobile flow.
Self-custodyFree base planDeFi-nativeStablecoin spendNo top-up feeFiat top-up
Main trade-offs
- US and international materials support a combined 1–3% FX range.
- ATM access needs private-beta permission, while the physical card is sold out.
- Public sources do not disclose card limits, cashback or a card-country list.
01 · Core economics
Costs that matter
Payy Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.
ItemStandard tierWhat it means
Monthly plan$0/moNo recurring monthly plan fee on the current entry offer
Top-up0%No stated provider funding surcharge
Foreign exchange1–3%FX cost matters most when spending outside USD.
Card spending0%No listed base spend fee
Limits and secondary feesLimits and other fees
ATM withdrawalPrivate beta onlyNot disclosed
Daily card spendUnknownListed
Monthly card spendUnknownListed
ATM limitUnknownListed
Account depositUnknownListed
02 · Points programme
Payy Points
Payy turns community participation into an in-app points programme. Current activities and earning details are available inside Payy.
Points programme
Payy Points
Payy Points reward community participation and are tracked directly in the app.
Payy shows the current earning details
Community points tracked inside Payy
Eligible actions are shown in the app
Cash conversion is not currently offered
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 cardCurrently sold out
- ATM withdrawalsPrivate beta only
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot disclosed
Account rails
- Stablecoin depositsAvailable
- USD bank detailsAvailable
- Card-funded top-upsCountry-specific
- Still checking: EUR bank details, Local payoutsNot disclosed
04 · Money in and out
How money enters, settles and leaves Payy
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 depositsPolygon USDC is bridged and represented as wrapped USDC on Payy NetworkUSDCPolygonFeeNo fixed feeSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- No provider transfer fee
Access path
Via connected wallet
Asset / network map
USDC: Polygon
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Restrictions
Older agreement blockchain definitions are not treated as active rails.
Bank deposits
1 route
Bank-account depositBank deposits are documented for the US and Argentina.USDARSFeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityRegion-dependentDetails
Fee components
- Fee not publicly confirmed
Access path
Via connected wallet
Availability
Bank deposits are documented for the US and Argentina. This is deposit coverage, not a complete Payy Card country allowlist.
Fee scope
Route-specific ramp fee and conversion spread are not disclosed
Limit scope
Not publicly confirmed
Internal funding
1 route
Payy payment linksPayment links are wallet transfers and are kept separate from card cashback and card-fee scoring.USDCFeeNot confirmedSpeedInstantLimitsNot confirmedExternal cost0% networkDetails
Fee components
- 0% · network
Access path
Via connected wallet
Availability
Payy recipients through link or QR code
Limit scope
Not publicly confirmed
Restrictions
Payment links are wallet transfers and are kept separate from card cashback and card-fee scoring.
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle2 routes
External crypto sends
1 route
External wallet withdrawalCurrent Terms confirm withdrawals to a wallet address without publishing a complete route matrix.USDCFeeNot confirmedSpeedNetwork-dependentLimitsNot confirmedAvailabilityConfirmed scopeDetails
Fee components
- Fee not publicly confirmed
Access path
Via connected wallet
Availability
External wallet address; the full asset/network matrix is not published
Limit scope
Not publicly confirmed
Account setup
wallet
Restrictions
Current Terms confirm withdrawals to a wallet address without publishing a complete route matrix.
Internal transfers
1 route
Payy payment linksPayment links are wallet transfers and are kept separate from card cashback and card-fee scoring.USDCFeeNot confirmedSpeedInstantLimitsNot confirmedExternal cost0% networkDetails
Fee components
- 0% · network
Access path
Via connected wallet
Availability
Payy recipients through link or QR code
Limit scope
Not publicly confirmed
Restrictions
Payment links are wallet transfers and are kept separate from card cashback and card-fee scoring.
06 · Trust and eligibility
Where Payy 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
Country-level card access is not disclosed.
Who handles what
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productPayy
Provides the product and account experience. Named legal operators appear separately.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyCard issuerThird National / Rain
Issues the card for the applicable programme.
Applies to: Third National is named in linked agreements; current Payy Terms describe Rain and issuing partners. The active programme depends on location.Card processingRain
Supports card account operations, conversion and merchant settlement.
Applies to: Current Payy Terms; issuer presentation remains location-dependent.07 · Methodology
Why the score is 64
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.
64/100
ModerateHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift93
Company & infrastructure
Named programme infrastructure includes Third National / Rain (issuer), Rain (processing) and Visa (network).
Additional support92
Custody & control
Self-custody; funds remain user-controlled before payment.
Main constraint14
Rewards value
Purchase reward value is reflected in the confirmed cashback structure.
08 · Evidence
Sources
7 sources5 officialChecked Jul 25, 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
09 · Similar cards
Check similar cards
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