MPChatMPChat
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Side-by-side card comparison
MPChat vs 1inch
The 1inch Card programme is winding down and new sign-ups are closed. Existing cards and accounts remain accessible for now; no specific service end date is guaranteed. Its public scores and ranking positions have been removed.
Latest check Nov 12, 202643 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
1inch Card
Best fit
- Existing holders checking the programme's withdrawal guidance.
- Reviewing recorded card fees while moving the remaining balance.
- Finding the provider's account instructions before closing the card account.
Before you choose
- The programme is winding down and new card applications are closed.
- December 18 is withdrawal guidance, not guaranteed card availability until then.
- The issuer and provider control account access and the functionality timetable.
Fees & features
Compare the details
CardsMPChat CardOverall521inch CardOverall–
MPChat CardOverall521inch CardOverall–Scores
- Overall Score
- MPChat Card521inch CardNot ranked
- Cashback score
- MPChat Card181inch CardNot ranked
- Travel score
- MPChat Card721inch CardNot ranked
- Funds control score
- MPChat Card411inch CardNot ranked
- Lowest fees score
- MPChat Card601inch CardNot ranked
- Transfers score
- MPChat Card581inch CardNot ranked
Costs
- Plan cost
- MPChat Card$01inch Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate1inch Card0% provider FX markup; Mastercard rate applies
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card1inch CardEUR/GBP provider-account bank deposit: 0%
- Card spending fee
- MPChat Card$0.10 + 0.8%1inch Card2%
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM access1inch Card€2.50 UK; €3 + 1.5% outside UK
- Virtual card
- MPChat CardCloud: 10 USDT one time1inch CardNot disclosed
- Physical card
- MPChat CardBoundless: 100 USDT one time1inch CardNot disclosed
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless Card1inch CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosed1inch CardNot disclosed
- Base cashback
- MPChat CardNot disclosed1inch Card1%
- Max cashback
- MPChat CardNot disclosed1inch Card2%
- Reward currency
- MPChat CardNot disclosed1inch Card1INCH, USDT, BTC or BXX
Everyday use
- Network
- MPChat CardVisa1inch CardMastercard
- Card formats
- MPChat CardVirtual, Physical1inch CardVirtual, Physical
- ATM withdrawals
- MPChat CardAvailable1inch CardAvailable
- Mobile wallets
- MPChat CardGoogle Pay1inch CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosed1inch CardiOS, Android
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lower1inch CardAccount-specific in Profile
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lower1inch CardAccount-specific in Profile
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly1inch CardAccount-specific in Profile
Funding & transfers
- Networks
- MPChat CardTron (TRC20)1inch CardBitcoin, Litecoin, XRP Ledger, Ethereum, Solana
- Crypto deposits
- MPChat CardStablecoins: USDT1inch CardOther crypto: BTC, LTC, XRP or supported Ethereum/Solana assets
- Fiat deposits
- MPChat CardNot disclosed1inch CardEUR or GBP bank deposit
- Transfers
- MPChat CardStablecoin transfers1inch CardStablecoin transfers; EUR or GBP bank withdrawal
- Payout currencies
- MPChat CardNot disclosed1inch CardEUR, GBP
Earn
- Advertised APY
- MPChat CardNot offered1inch CardNot offered
- How it works
- MPChat CardNot offered1inch CardNot offered
- Separate deposit
- MPChat CardNot offered1inch CardNot offered
- Use balance for spending
- MPChat CardNot offered1inch CardNot offered
- Lock-up
- MPChat CardNot offered1inch CardNot offered
Trust & availability
- Custody
- MPChat CardCustodial1inch CardHybrid custody
- Control until payment
- MPChat CardProvider controls funds1inch CardProvider controls funds
- Card issuer
- MPChat CardNot disclosed1inch CardMonavate Ltd, UAB Monavate
- Card processing
- MPChat CardNot disclosed1inch CardCrypto Life
- Custody / key management
- MPChat CardNot disclosed1inch CardBaanx
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
1inch Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or 1inch
Applying or migrating
1inch is winding down and is excluded from new-card recommendations. Read the closure update before relying on the existing card, and check the other card's current eligibility independently.
Check the other programme's conditions
MPChat Card: Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX. Check its current application eligibility independently; a comparison score does not reopen the discontinued programme.
Common questions
MPChat vs 1inch FAQ
Is MPChat or 1inch better overall?
The 1inch Card programme is winding down and new sign-ups are closed. Existing cards and accounts remain accessible for now; no specific service end date is guaranteed. 1inch Card is not a current recommendation, regardless of its numerical score.
Which has lower fees, MPChat 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, MPChat or 1inch?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and 1inch differ on custody?
MPChat Card uses a custodial balance setup, while 1inch Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs 1inch comparison?
The latest information check for these two cards was November 12, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.