Ethena PayEthena Pay
86
Side-by-side card comparison
Ethena Pay vs 1inch: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 7 points (86 vs 79). Ethena Pay Card looks stronger for Cashback, Funds control, and Lowest fees, while 1inch Card comes out ahead for Travel and Transfers.
Information checked Sep 1, 202625 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. 1inch Card may be the better fit for Travel and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallEthena Pay861inch79Higher score
CashbackEthena Pay891inch63Higher score
TravelEthena Pay641inch82Higher score
Funds controlEthena Pay861inch80Higher score
Lowest feesEthena Pay871inch74Higher score
TransfersEthena Pay821inch93Higher score
Choose Ethena Pay Card if cashback and funds control matter most
Ethena Pay Card comes out ahead for Cashback, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
Choose 1inch Card if travel and transfers matter most
1inch Card comes out ahead for Travel and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Physical, virtual and ATM access
- Both major phone wallets
- Cashback in four crypto assets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Ethena Pay861inch79
Ethena Pay Card has the higher Overall Score by 7 points.
- Entry cost & FX
- Ethena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX1inch$0 plan · 0% provider FX markup; Mastercard rate applies FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Ethena Pay4% base · up to 5%1inch1% base · up to 2%
Ethena Pay Card has the higher published base cashback rate (4% vs 1%).
- Funds control
- Ethena PayHybrid custody1inchHybrid custody
Ethena Pay Card and 1inch Card use the same hybrid custody setup.
- Everyday access
- Ethena PayVirtual · Apple Pay1inchVirtual + Physical · Apple Pay, Google Pay
1inch Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Ethena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal1inch1 stablecoin · Stablecoin transfers; EUR or GBP bank withdrawal
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 3).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- 0% provider FX markup; Mastercard rate applies
- ATM fee
- €2.50 UK; €3 + 1.5% outside UK
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 9 crypto · 2 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsEthena Pay CardOverall861inch CardOverall79
Ethena Pay CardOverall861inch CardOverall79Scores
6 fields- Overall Score
- Ethena Pay Card861inch Card79
- Cashback score
- Ethena Pay Card891inch Card63
- Travel score
- Ethena Pay Card641inch Card82
- Funds control score
- Ethena Pay Card861inch Card80
- Lowest fees score
- Ethena Pay Card871inch Card74
- Transfers score
- Ethena Pay Card821inch Card93
Strengths & trade-offs
2 fields- Strengths
- Ethena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup1inch CardPhysical, virtual and ATM access, Both major phone wallets
- Trade-offs
- Ethena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk1inch CardPurchase fee stack is unclear, Card funds leave self-custody
Costs
7 fields- Plan cost
- Ethena Pay Card$01inch Card$0
- FX fee
- Ethena Pay Card0% Ethena Pay markup; Visa rate applies1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate1inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- Ethena Pay Card0%1inch Card2%
- ATM fee
- Ethena Pay CardNot available1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- Ethena Pay CardUSD 01inch CardNot disclosed
- Physical card
- Ethena Pay CardNot disclosed1inch CardNot disclosed
Plans
2 fields- Available plans
- Ethena Pay Card3 plans: Standard, Pro, VIP1inch CardNot disclosed
- Top cashback plan
- Ethena Pay CardVIP: 5%1inch CardNot disclosed
Everyday use
8 fields- Network
- Ethena Pay CardVisa1inch CardMastercard
- Card formats
- Ethena Pay CardVirtual1inch CardVirtual, Physical
- ATM withdrawals
- Ethena Pay CardNot available1inch CardAvailable
- Mobile wallets
- Ethena Pay CardApple Pay1inch CardApple Pay, Google Pay
- Apps
- Ethena Pay CardiOS, Web1inch CardiOS, Android
- Daily spending limit
- Ethena Pay CardDynamic, based on collateral market value1inch CardAccount-specific in Profile
- Monthly spending limit
- Ethena Pay CardDynamic, based on collateral market value1inch CardAccount-specific in Profile
- ATM limit
- Ethena Pay CardNot available1inch CardAccount-specific in Profile
Funding & transfers
5 fields- Networks
- Ethena Pay CardEthereum, Polygon, Optimism, Arbitrum1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- Ethena Pay CardNot disclosed1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- Ethena Pay CardNot disclosed1inch CardEUR or GBP bank deposit
- Transfers
- Ethena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- Ethena Pay CardNot disclosed1inch CardEUR, GBP
Rewards
3 fields- Base cashback
- Ethena Pay Card4%1inch Card1%
- Max cashback
- Ethena Pay Card5%1inch Card2%
- Reward currency
- Ethena Pay CardAVAX1inch Card1INCH, USDT, BTC or BXX
Earn
5 fields- Advertised APY
- Ethena Pay CardUp to 6% APY1inch CardNot offered
- How it works
- Ethena Pay CardEarn on spending balance1inch CardNot offered
- Separate deposit
- Ethena Pay CardNo1inch CardNot offered
- Use balance for spending
- Ethena Pay CardYes1inch CardNot offered
- Lock-up
- Ethena Pay CardNo1inch CardNot offered
Trust & availability
6 fields- Custody
- Ethena Pay CardHybrid custody1inch CardHybrid custody
- Control until payment
- Ethena Pay CardYou keep control1inch CardProvider controls funds
- Card issuer
- Ethena Pay CardThird National1inch CardMonavate Ltd, UAB Monavate
- Card processing
- Ethena Pay CardSignify Holdings, Inc. d/b/a Rain1inch CardCrypto Life
- Custody / key management
- Ethena Pay CardNot disclosed1inch CardBaanx
- Identity verification
- Ethena Pay CardSumsub1inch CardNot disclosed
Sources
2 fields- Official sources
- Ethena Pay Card121inch Card13
- Last reviewed
- Ethena Pay CardSep 1, 20261inch CardAug 31, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 79 for 1inch Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Ethena Pay Card has the higher published base cashback rate (4% vs 1%).
1inch Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. Ethena Pay Card and 1inch Card use the same hybrid custody setup.
Ethena Pay Card lists more stablecoins and ways to send money out (4 vs 3). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Ethena Pay Card and 1inch Card reviews first.
Continue with
Ethena Pay Card
Continue with
1inch Card
05 · Common questions
Ethena Pay vs 1inch FAQ
Is Ethena Pay or 1inch better overall?
Ethena Pay Card has the higher Overall Score (86 vs 79). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Ethena Pay or 1inch?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Ethena Pay or 1inch?
Ethena Pay Card has the higher published base cashback rate (4% vs 1%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Ethena Pay and 1inch differ on custody?
Ethena Pay Card and 1inch Card use the same hybrid custody setup.
How current is this Ethena Pay vs 1inch comparison?
The latest information check for these two cards was September 1, 2026, using 25 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.