Osmosis Pay Card
Osmosis Pay Card
The Osmosis Pay Card (OSMOpay Visa) is a crypto prepaid debit card that enables Osmosis wallet users to spend their crypto assets at Visa merchants globally. It converts crypto to fiat at point-of-sale with a 2% fee for Standard (virtual) and 1% for Premium (physical) cards. Assets remain in your self-custodied wallet until you choose to fund the card.
- Type: Visa prepaid debit card (virtual or physical; Standard and Premium tiers)
- Key Feature: Non-custodial approach—crypto stays in your wallet until conversion
- Availability: New US signups currently not supported
- Standout Benefit: Direct integration with Osmosis DEX with simple 2% (Standard) or 1% (Premium) conversion fee
- Biggest Downside: No cashback; $50 shipping fee for physical card
The Osmosis Pay Card (OSMOpay Visa) is a crypto prepaid debit card that enables Osmosis wallet users to spend their crypto assets at Visa merchants globally. It converts crypto to fiat at point-of-sale with a 2% fee for Standard (virtual) and 1% for Premium (physical) cards. Assets remain in your self-custodied wallet until you choose to fund the card.
- Type: Visa prepaid debit card (virtual or physical; Standard and Premium tiers)
- Key Feature: Non-custodial approach—crypto stays in your wallet until conversion
- Availability: New US signups currently not supported
- Standout Benefit: Direct integration with Osmosis DEX with simple 2% (Standard) or 1% (Premium) conversion fee
- Biggest Downside: No cashback; $50 shipping fee for physical card
Reviewed by James Burr
Last updated: December 12, 2025
Card Tiers
Detailed Summary
Osmosis Pay Card Visa Prepaid Review: Fees, Rewards & Availability
Quick Summary
Key Features
- Non-custodial model - crypto remains in user's Osmosis wallet until conversion
- Direct integration with Osmosis DEX and Cosmos ecosystem
- Powered by Cypher technology platform
- 2% conversion fee (Standard) / 1% conversion fee (Premium) for crypto-to-fiat transactions
- Available in 180+ countries (new US signups currently restricted)
- Virtual card free, physical card available for $50 (shipping & production fee)
Main Advantages
- No staking requirements or monthly maintenance fees
- Seamless integration with existing Osmosis wallets
- Support for yield-bearing assets until conversion
- Apple Pay and Google Pay integration
- Supports multiple crypto assets including USDC across multiple chains
- Spend rewards points program and referral bonuses
Notable Limitations
- New US signups currently not supported (operational restriction)
- Up to $20,000 daily spending limit ($60,000 monthly) on Premium; $10,000 daily ($30,000 monthly) on Standard
- Up to $2,000 daily ATM withdrawal limit ($10,000 monthly) on Premium
- 2% foreign currency conversion fee (Standard) / 1% (Premium) using Visa exchange rate
- Full KYC required for all users
Table of Contents
- Basic Information
- Rewards and Benefits
- Fees and Limits
- Card Tiers and Options
- Top-Up Methods
- Self-Custody
- Supported Currencies and Conversion
- Geographic Availability
- Compliance and Security
- Regulatory Structure and Licensing
- Technical Details
- User Experience
- Best Suited For
- Pros and Cons
- Conclusion
- Additional Information
- Our Verdict
Basic Information
| Specification | Details |
|---|---|
| Card Name | Osmosis Pay Card (OSMOpay Visa) |
| Card Network | Visa |
| Card Type | Prepaid Debit Card |
| Launch Date | Late 2024 |
| Card Issuer | REAP TECHNOLOGIES PVT LTD (Hong Kong) |
| Technology Provider | Cypher (CypherHQ) |
| Integration | Osmosis DEX |
| Mobile Wallet Support | Apple Pay, Google Pay |
| Merchant Acceptance | 40M+ merchants in 180+ countries |
The Osmosis Pay Card represents a bridge between the Osmosis DeFi ecosystem and traditional payment infrastructure. It allows users to spend their crypto assets directly at any merchant accepting Visa payments, with automatic conversion to fiat at the point of transaction. The card is powered by Cypher technology platform, issued by REAP TECHNOLOGIES PVT LTD (Hong Kong), and integrates directly with Osmosis infrastructure.
Rewards and Benefits
Spend Rewards Program
The Osmosis Pay Card offers a points-based spend rewards program:
- Earning Rate: Users earn reward points on card purchases (example: spend $100 USD = earn 100 points)
- Eligible Transactions: Card purchases qualify for reward points
- No Staking Requirements: Unlike many crypto cards, OSMOpay doesn't require users to stake tokens to access the
Top-Up Methods
Users top up the OSMOpay Visa card by selecting supported cryptocurrencies (such as USDC, USDY, ATOM, OSMO, or bridged USDT) directly from their self-custodied Osmosis wallet using the web portal or integrated wallet interfaces (e.g., Leap Wallet). Funds remain in the user's wallet until a card top-up is initiated; selected crypto assets are then instantly converted to USD at a 1% conversion fee, with no additional spread. After conversion, USD becomes available immediately for spending on the card, and custody of those funds transfers from the user's wallet to the card provider. The minimum and maximum top-up amounts are not explicitly stated, but users should note the $4,000 daily card spending limit. Pre-loading is required, meaning users must convert and load USD onto the card before making purchases, and top-ups can be managed entirely through the app-connected wallet or web interface.
Self-Custody Hybrid Custody
This card uses a hybrid custody model where users keep full control of their crypto in their own Osmosis wallet up until they decide to fund the card. When you want to spend, your chosen crypto is instantly converted to USD and deposited as a fiat balance managed by the card issuer. You have self-custody of your assets until the point of conversion, after which the USD balance is held by the platform and not protected by FDIC insurance. If the provider were to go offline, you would still have control over any unconverted crypto in your wallet, but any remaining fiat on the card would become inaccessible. This arrangement strikes a balance—users retain control and benefit from DeFi yields until spending, but must trust the platform for any funds converted to fiat.
Compare & Learn More
Find the perfect crypto card for your needs by comparing features, rewards, and availability or visit the issuer's website for more details.
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