Crypto card issuers: what the name usually tells you
See Monavate? Think UK or EEA. See Rain or Third National? Think Visa, stablecoins and a virtual card first. The issuer name is not the full answer, but it is often a useful shortcut if you know which patterns travel from one programme to another.
The most reliable issuer clues are usually geography, network, card format and the way support is split. Fees are less portable: two cards can use the same issuer and charge very different FX or ATM fees.
30-second scan
What each issuer name should make you check
| Issuer | Cards in our catalogue | Likely signal | Fee pattern | Check first |
|---|---|---|---|---|
| Monavate | Gnosis Pay, OKX Card (EEA), Krak Card, Bitget Wallet Card | UK or EEA programme; Visa or Mastercard; digital wallet support is common. | Several reviewed Monavate cards use 0% product FX markup, but the network rate can still apply. | The exact entity (Monavate Limited or UAB Monavate) and the card's own fee sheet. |
| Rain / Third National / Nimbus | KAST Card, Tria Card, ether.fi Cash Card, Plasma One Card, Solid Card | Visa-first, stablecoin or onchain card; usually virtual-first and mobile-wallet ready. | Reviewed programmes span 0% to 3% FX. There is no useful house rate. | Whether it is prepaid, wallet-linked or a credit line; physical card and ATM access vary. |
| Wallester | Brighty Card | EEA/UK white-label Visa programme with virtual cards and Apple Pay / Google Pay support. | Brighty Visa lists up to 2% FX; Wallester Business uses Visa rate + 2%. Partner pricing varies. | The covered network, partner fee sheet and cash rules: Brighty's Wallester agreement is Visa-only. |
| Wirex | Wirex One Card, Kolo Card | Crypto-native Visa infrastructure, wallet-linked spending and a strong virtual-card bias. | Wirex advertises zero FX on its own card; the reviewed Kolo EUR programme lists 1%. | Which Wirex entity and programme you are joining, because consumer Wirex and partner cards differ. |
| Reap | None currently | Corporate Visa credit, usually secured 1:1 by fiat or stablecoin collateral. | Reap's own corporate card lists 2% FX and 2% ATM; embedded-card pricing is negotiated. | Business eligibility, billing currency, collateral rules and who handles support. |
| SUNRATE | None currently | B2B virtual commercial cards, often for travel, supplier or advertising spend. | No general consumer-style FX tariff: pricing is tied to the business programme. | Card country/BIN, merchant restrictions, 3DS, refunds and supported settlement currencies. |
| Sutton Bank | Fold Debit Card | US sponsor bank behind a branded prepaid or debit programme, such as Fold or Cash App. | Fees belong to the programme and can differ sharply even when Sutton is the issuer. | The brand's cardholder agreement and support route, usually the app rather than Sutton's retail bank. |
| Lead Bank | Phantom Card, Fuse Card | US Visa programme built around a crypto wallet; virtual-first and mobile-wallet led. | Fuse lists 0% FX; Phantom says a fee may apply and shows it before confirmation. | State eligibility and whether virtual-only, no-ATM access suits how you pay. |
| Unlimit EU | Bleap Card, Holyheld Card | Cyprus-issued EEA Mastercard with mobile wallets, plastic and ATM access. | Reviewed examples run from 0% provider FX at Bleap to as much as 5.5% + €1 at Holyheld. | The card brand's geography and currency rules: the issuer name does not set the final price. |
| DCS Card Centre | Jupiter Card, Bitget Wallet Card, Coin98 Fusion Card | Singapore or APAC route; virtual cards and mobile-wallet support are common. | Reviewed DCS routes publish roughly 1.7%–1.8% FX, where a figure is available. | Your assigned region, card type and whether the programme includes plastic or ATM access. |
| Xfers / StraitsX | RedotPay Card, OKX Card (Global) | Singapore Visa route connecting a crypto balance to everyday card payments. | RedotPay lists 1.2%–2% FX; OKX lists 0% OKX markup plus the network rate. | The exact programme: RedotPay offers plastic and ATM use; OKX's reviewed route is virtual-only. |
Other issuer names worth knowing
Three newer names, one clear example each
These are useful names to recognise, but one reviewed programme is not enough to call them a house style.
Cross River Bank
A US banking route for MetaMask's Mastercard debit programme.
MetaMask CardDiPocket UAB
A Lithuanian issuer behind Nexo's EEA/UK Mastercard credit-line programme.
Nexo CardImmersve Limited
A New Zealand issuer used by Binance's current virtual Mastercard programme.
Binance CardRegional reality check
One card brand can have several issuers
These are the clearest regional assignments found in current official terms. They explain why the issuer shown for a card can change when you switch country.
Wirex One
Wirex is the brand and programme operator, but it is not the legal issuer everywhere.
- EEA: Transact Payments Malta Limited is the issuer; UAB Wirex manages and distributes the programme. Wirex One terms
- Australia / New Zealand: Novatti Group Limited is the issuer; Wirex Australia provides the regulated service. Wirex One terms
Bybit Card
The issuer changes with the regional programme, so “Bybit” alone is not a complete issuer answer.
- EEA: Harmoniie SAS issues the Bybit EU Card; Moorwand is the Mastercard licence and programme partner. Bybit EU Card
- Australia: Fly Wallet Pty Ltd is the issuer; Winway International arranges and distributes the card. Australian PDS
- Mexico: Vortex Pay, S. de R.L. de C.V. is the issuer. Mexican terms
Crypto.com Card
Crypto.com uses a regional issuer matrix rather than one issuer for the whole product.
- United States: Community Federal Savings Bank is the issuer. US agreement
- EEA: Foris MT Limited is the issuer. EEA terms
- United Kingdom: ForisGFS UK Limited is the issuer. UK terms
- Australia: Foris GFS Australia Pty Ltd is the issuer. Australian terms
- Canada: Digital Commerce Bank (DCBank) is the issuer. Canadian agreement
OKX Card (Global)
The OKX programme has different issuer and distributor roles by market.
- Singapore: Xfers Pte. Ltd. (StraitsX) is the issuer and Visa issuing member. StraitsX agreement
- Australia: Bano Pty Ltd is the issuer; OKX Australia Pty Ltd is the distributor. Australian TMD
Rain / Third National / Nimbus: Visa-first and virtual-first
These names often appear together or in adjacent programme documents. Third National identifies itself as Nimbus LLC doing business as Third National; Rain supplies stablecoin-native issuing infrastructure. For a cardholder, the visible pattern is clearer than the corporate diagram.
What to expect
- A Visa card connected to stablecoins, an onchain wallet or crypto collateral.
- Instant virtual access and strong mobile-wallet support.
- A real chance that the product is a credit line rather than a debit card.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Tria Card | Credit line | 0% Tria markup; issuer-programme FX fee up to 3% | Physical · ATM |
| ether.fi Cash Card | Credit line | 0% - 0.2% | Physical · ATM |
| KAST Card | Prepaid | 0.5% - 1.75% | Physical · ATM |
| Jupiter Card | Debit | 1% or 1.8% | Virtual only · No ATM |
| Plasma One Card | Wallet-linked | Lite: 1% + Visa (~1%); Core: 0.5% + Visa (~1%); Platinum: 0% + Visa (~1%) | Physical · No ATM |
| Exa Card | Credit line | 1.5% | Virtual only · ATM |
| Tangem Card | Wallet-linked | Visa standard rate; a cross-border fee may apply, effective percentage unknown (legal maximum 3%) | Virtual only · No ATM |
Wallester: European white-label Visa
Wallester's strongest tell is a configurable EEA or UK Visa programme. Its platform supports debit, prepaid and credit cards; consumer, business and corporate use; virtual and physical cards; and Apple Pay plus Google Pay. That breadth is the pattern, not one fixed tariff.
What the name suggests
- A European programme with Visa rails and digital-wallet readiness.
- The brand can choose the card type, limits, format and customer journey.
- The fee page in the app matters more than Wallester's own Business pricing.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Brighty Card | Debit | Visa: up to 2% foreign-transaction fee. Mastercard: not disclosed in the reviewed Brighty sources. | Physical · ATM |
Wallester applies to the reviewed Brighty Visa variation; the current Mastercard issuer is not established.
Wirex: crypto-native infrastructure, programme-specific pricing
Wirex can be the consumer brand or the infrastructure under somebody else's card. Its current issuing stack supports Visa cards linked to crypto wallets, automatic conversion, virtual and physical formats, configurable limits and 3DS.
The useful contrast
- Wirex's own card advertises zero FX on international spend.
- The reviewed Kolo EUR card names Wirex Limited but lists 1% FX.
- Kolo supports Apple Pay, Google Pay and ATM use, while remaining virtual-only.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Kolo Card | Debit | 1% | Virtual only · ATM |
| Wirex One Card | Debit | 0% | Physical · ATM |
Reap: corporate secured credit, not a consumer debit card
If Reap is named, start with a business-card mental model. Reap is a Visa principal issuer in Hong Kong and Mexico. Its own USD or HKD corporate card is secured 1:1 with fiat, USDC or USDT collateral, then repaid monthly like a credit card.
What to expect
- Business verification, collateral and a billing cycle.
- USD or HKD card currency and Visa acceptance.
- Virtual employee cards, spending controls and optional physical cards.
SUNRATE: virtual commercial cards for cross-border business spend
SUNRATE looks less like a retail crypto card company and more like payment plumbing for travel, suppliers and online business spend. It is a principal member of both Visa and Mastercard and promotes instant virtual-card issuance with settlement in more than 15 currencies.
What the name suggests
- A commercial rather than personal card.
- Virtual issuance and controls built for teams or payment operations.
- Merchant acceptance, 3DS and refund handling matter more than ATM access.
Sutton Bank: US sponsor bank, brand-owned experience
Sutton appears behind many US fintech cards, including crypto-adjacent Fold. The strongest clue is not a fee or feature: it is the operating split. Sutton is the bank and issuer; the app brand usually runs onboarding, the interface and first-line support.
What to expect
- A US cardholder agreement with the fintech named as service provider.
- Programme-level fees, limits and deposit-insurance wording.
- Support routed through the brand: Fold tells cardholders to contact Fold directly.
| Reviewed card | Type | Published FX | Format / cash |
|---|---|---|---|
| Fold Debit Card | Prepaid | $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred | Physical · ATM |
Before you apply
Four checks that beat issuer-name guessing
- 1
Entity and region: which exact issuer name applies to your residence?
- 2
Card type: debit, prepaid, wallet-linked or a collateralised credit line?
- 3
Real fee sheet: product FX, network conversion, ATM and cross-border charges.
- 4
Support route: who handles a decline, freeze, chargeback or card replacement?
Use the shortcut
Start with the issuer pattern, finish with the exact card
Browse the reviewed catalogue to compare the programme's actual FX, card format, ATM access and mobile wallet support, not the issuer's reputation in the abstract.