Payy shows the current earning details
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Stablecoin account + Visa card
Payy connects a self-custody USDC wallet to private Visa settlement, instant virtual issuance and phone wallets. Card authorization uses privacy-oriented settlement while users retain wallet control and complete KYC before the virtual Visa is issued.
01 · Fees & limits
02 · Points programme
Payy turns community participation into an in-app points programme. Current activities and earning details are available inside Payy.
Payy shows the current earning details
Community points tracked inside Payy
Community participation activities are shown in Payy
Earning caps are not publicly disclosed
03 · Everyday use
Currently sold out. The Light Up physical card existed previously but is not currently orderable
Private beta only. Not supported for regular users; contactless beta requires support permission
04 · Money in and out
Assets stay in the connected wallet until an authorized spend or transfer action.
How a received asset reaches the spendable balance depends on the supported asset and account setup.
06 · Trust and eligibility
Identity verification is required to access card services.
Country-level card access is not disclosed.
The named organisations and their current roles are listed below.
Provides the product and account experience. Named legal operators appear separately.
Retains control of funds until payment.
Self-custodyIssues 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.Supports card account operations, conversion and merchant settlement.
Applies to: Current Payy Terms; issuer presentation remains location-dependent.07 · Methodology
Missing or undisclosed fields receive no positive credit.
Higher is better
Named programme infrastructure includes Third National / Rain (issuer), Rain (processing) and Visa (network).
Self-custody; funds remain user-controlled before payment.
No purchase cashback is included in the confirmed product terms.
09 · Card comparison
Users keep control of wallet funds while card settlement runs through partners.
Users keep private keys; card charges follow a separate regional account model.
USDC collateral stays in a user-owned smart contract until card spend settles.
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
10 · Evidence
These details have not been verified for this profile. Missing information does not mean a service is free or available.
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