Zypto Card

Zypto Visa & Mastercard Prepaid Cards: Global Crypto Spending Solution

Basic Information

The Zypto Card bridges the gap between cryptocurrency holdings and everyday spending by providing instant crypto-to-fiat conversion when loading funds onto prepaid cards. As a licensed EU Virtual Asset Service Provider, Zypto offers multiple card options to suit different needs, from high-limit physical cards to single-load virtual cards requiring minimal verification.

Rewards and Benefits

ZYP Rewards Program

Rather than direct fiat cashback, Zypto offers a points-based reward system:

• Users earn ZYP reward points on card spending (1,000 ZYP = $1 USD)
• 100-step reward level ladder based on lifetime ZYPs earned
• Higher levels multiply base reward rates
• Points redeemable for card credits and other services
• Gamified "quests" and tasks in the ZYP Rewards Hub
• Daily community rewards for $ZYPTO token holders
• "Zyptopia" tiers and Holders Club for enhanced benefits

Referral Program

• $5 worth of ZYPs (5,000 points) for both referrer and referee
• Referrers earn 0.1% lifetime commission on all referee transactions (paid in ZYP points)

Fees and Limits

Card Fees

Transaction Fees

Spending Limits

Card Tiers and Options

Top-Up Methods

Users can top up Zypto Cards by transferring over 100 supported cryptocurrencies (including BTC, ETH, USDT, USDC, etc.) from any external wallet into their Zypto app, where funds are automatically converted to fiat (USD, EUR, or GBP) at the time of loading. This process requires moving assets from self-custody to the card provider's custodial wallet, with crypto-to-fiat conversion handled by third-party liquidity providers; typical conversion fees range from 0% to 4.5% depending on card type and asset, and a $6 + 4.5% reload fee applies to physical cards. Funds become available after blockchain confirmation, usually within minutes, but may take up to 45 minutes for slower networks. Minimum top-up amounts apply (e.g., $10 for reloadable virtual cards, $100 for physical cards), and maximum limits vary by card (e.g., up to $100,000 for physical cards, "unlimited" for reloadable virtual). Top-ups are initiated and managed exclusively through the Zypto mobile app, and all cards require pre-loading—no on-demand spending from self-custody wallets is supported.

Self-Custody Hybrid Custody

Zypto Card uses a hybrid custody model where users initially maintain full control over their crypto assets in a non-custodial wallet, but must transfer funds to the platform for card use. When loading the card, crypto is converted to fiat and held by the card issuer, meaning users lose independent control of those funds once loaded. While the Zypto app includes a non-custodial wallet for storage, all card spending relies on balances that are custodially managed by the platform. If Zypto or its banking partners ceased operations, users would not be able to access funds already converted and loaded onto the card, though assets left in the self-custodial wallet remain under user control. This model offers flexibility and broad crypto support, but the need to pre-load cards with fiat means users are exposed to both custodial risk and potential fiat volatility after conversion. It balances convenience and access with the tradeoff of relinquishing self-custody at the point of card funding.

Supported Currencies and Conversion

Cryptocurrency Support

Zypto supports 100+ cryptocurrencies across multiple blockchains, including:

Major Cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), Solana (SOL), Binance Coin (BNB), Cardano (ADA), Dogecoin (DOGE), Polkadot (DOT)

Stablecoins: USDT (multiple networks: ERC20, TRC20, BEP20, etc.), USDC (multiple networks: ERC20, SOL, etc.), DAI, BUSD, TUSD

Supported Networks: Ethereum, Binance Smart Chain, Solana, Tron, Polygon, Arbitrum, Stellar, Sui, and others (continuously expanding)

Conversion Process

• Crypto is converted to fiat when loading the card, not at time of purchase
• Conversion typically takes minutes (depends on blockchain confirmation times)
• Conversion rates determined by third-party liquidity providers
• Conversion fees range from 0-3% for Premium and virtual cards, up to 4.5% + $6 for Classic physical card
• Settlement timing varies by blockchain:
  • Bitcoin: ~15-45 minutes
  • Faster chains (Solana, etc.): A few minutes
• Once confirmed, fiat is immediately available on card

Supported Fiat Currencies:

• Primary: USD (most cards are USD-denominated)
• Secondary options: EUR, GBP (for virtual cards)
• All other fiat currencies supported via foreign exchange conversion:
  • 1.75% for Premium and new cards
  • 2.75% for Classic cards

Geographic Availability

Global Reach

Zypto cards are available in over 180 countries globally, making them one of the most widely accessible crypto card solutions. The service covers most major regions including North America, South America, Europe, Africa, Asia, and Oceania.

Restricted Countries

The following countries are NOT supported for card issuance or use:

• Belarus, Cuba, Iran, Iraq, Myanmar (Burma), North Korea, Nicaragua, Russia, Sudan, Syria, Venezuela, Yemen
• The Balkans region, Lebanon, Ethiopia, Libya, Hong Kong
• Crimea, Donetsk, and Luhansk regions of Ukraine
• Democratic Republic of Congo

Regional Considerations

• Physical card may be available to some users in otherwise restricted regions
• Virtual cards may have stricter regional requirements than physical cards
• Address verification may impact card functionality in certain regions
• Users must comply with local regulations regarding crypto usage
• Country list may change without notice; users should check in-app before ordering
• Sanctioned individuals are barred regardless of country

Compliance and Security

Identity Verification

Zypto employs a tiered verification approach:

Single-Load Virtual Cards and Mobile Top-Ups:

• Basic verification (name, email, address) or zero KYC for some services
• No document upload but includes sanction screening
• Near-instant verification

Premium Physical, Classic Physical & Reloadable Virtual Cards:

• Full KYC required:
  • Government-issued ID (passport, driver's license)
  • Proof of address (utility bill, bank statement less than 75 days old)
  • IDs must have at least 7 months to expiry
• Verification typically processed within minutes via automated system
• Uses Sumsub for identity verification compliance

Security Features

• Two-factor authentication (2FA) for app login and withdrawals
• Email/SMS verification
• Authenticator-based 2FA option
• Instant fraud alerts for suspicious card activity
• Ability to freeze/unfreeze cards instantly via app
• Encryption for sensitive data transmission and storage
• "Vault Key Card" hardware solution for securing private keys offline

Regulatory Framework

• Zypto sp. z o.o. operates as a licensed EU Virtual Asset Service Provider (VASP License RDWW-874)
• Complies with EU anti-money laundering (AML) laws
• Partners with local licensed entities in various jurisdictions for card issuance

Custody Model

• Zypto Wallet: Non-custodial (users control private keys)
• Card Funds: Custodial (converted to fiat and held by card issuer)
• Conversion flow: crypto → Zypto (conversion) → fiat held on card

Technical Details

Mobile App Integration

• Available on iOS and Android
• Integrated card management (order, load, freeze, view transactions)
• Non-custodial crypto wallet functionality
• Built-in dApp browser for DeFi actions
• Multi-chain support in one interface
• Crypto swapping capabilities

Payment Processing

• Standard Visa/Mastercard payment processing
• Prepaid card limitations apply for services requiring credit authorization holds
• Some limitations for merchants requiring 3D Secure (for non-3DS cards)
• Foreign currency transactions supported with 1.75% fee (Premium and new cards) or 2.75% fee (Classic cards)
• Automatic currency conversion when spending in non-base currency

Card Technology

• Physical cards: EMV chip-enabled Visa cards
• Premium physical card: Supports 3D Secure authentication and mobile wallet integration
• Classic physical card: No 3D Secure or mobile wallet support
• Virtual cards: Digital credentials compatible with online purchases
• Mobile wallet integration for Premium physical and virtual cards (Apple Pay, Google Pay, Samsung Pay)
• 3D Secure authentication supported on Premium physical and reloadable virtual cards

User Experience

Mobile App Features

The Zypto app serves as a comprehensive financial platform with:

• Integrated card management
• Non-custodial crypto wallet
• Bill payment service
• Gift card purchases
• MoneyGram integration for cash pickup
• Mobile top-ups in 170+ countries
• Rewards Hub for earning and redeeming ZYP points

Support Channels

• In-app chat support
• Email ticket system
• Help Center (help.zypto.com)
• Telegram community
• Social media presence

Language Support

• English
• Spanish
• French
• Portuguese
• (Expanding to more languages)

User Feedback

Positive Aspects:

• Industry-leading spending limits appreciated by power users
• Global acceptance with few restrictions
• Fast virtual card issuance
• Integrated ecosystem (wallet, exchange, card in one app)
• Reliability (reported 99%+ uptime)
• Ability to "live off crypto" using the complete ecosystem

Negative Aspects:

• Fees can add up, especially for small transactions
• Complexity for non-technical users
• Regional restrictions may cause unexpected issues
• Third-party dependencies occasionally causing support limitations
• Non-3DS support limiting online merchant acceptance (Classic cards only)

Best Suited For

• Digital Nomads who need global spending capability without traditional banking
• Crypto Investors who want to utilize their holdings for everyday expenses without converting to fiat in a bank
• High-Net-Worth Individuals who require exceptionally high spending limits for their crypto assets
• Freelancers Paid in Crypto who need a reliable way to spend their earnings globally
• Privacy-Focused Users who prefer minimal KYC options for smaller transactions

Pros and Cons

Pros

• Industry-leading spending limits (up to $1,000,000 monthly on Premium cards)
• Truly global availability across 180+ countries
• Multiple card options to suit different verification preferences
• Support for 100+ cryptocurrencies across multiple blockchains
• Integrated non-custodial wallet and comprehensive financial ecosystem
• Minimal verification required for single-load virtual cards and mobile top-ups
• Premium physical card offers 3D Secure and mobile wallet integration with no monthly fee

Cons

• Classic physical card lacks 3D Secure authentication and mobile wallet integration
• Relatively high fees on Classic physical cards ($6 + 4.5% reload fee)
• $12 monthly maintenance fee for Classic physical cards
• Maximum 4 cards per user across all types (only one Premium card allowed)
• Conversion fees can add up for frequent small transactions
• Some online merchants may decline non-3DS cards (Classic and some single-load cards)

Conclusion

The Zypto Card stands out in the crypto card market with its exceptionally high spending limits and truly global reach across 180+ countries. The platform offers a comprehensive suite of card options to match different user needs: Premium physical Visa cards with industry-leading $1 million monthly limits and no monthly fees, Classic physical cards for those seeking a more economical option, reloadable virtual cards with "unlimited" spending potential, and single-load virtual cards that can be purchased with minimal verification.

This flexibility makes Zypto suitable for a wide range of crypto users, from casual spenders to high-net-worth individuals seeking to leverage their digital assets for everyday expenses. The integration with Zypto's broader ecosystem creates a comprehensive financial platform that allows users to "live off crypto" without traditional banking.

However, the fee structure can be substantial for some card types—particularly the Classic physical card's $6 + 4.5% reload fee and $12 monthly maintenance fee. The Classic physical card also lacks 3D Secure authentication and mobile wallet integration, potentially limiting online merchant acceptance.

The ideal Zypto Card user is someone who holds significant cryptocurrency and needs a reliable, globally accepted way to spend it without going through traditional banking channels. Digital nomads, freelancers paid in crypto, and crypto investors looking to utilize their holdings will find the most value in Zypto's offerings, especially if they can justify the fees through regular usage and by leveraging the ZYP rewards system to offset costs.

Additional Information

Mobile Wallet Integration

The ability to add Zypto cards to mobile wallets varies by card type:

• Premium physical card: Fully compatible with Apple Pay, Google Pay, and Samsung Pay; supports 3DS for wider acceptance
• Classic physical card: Currently cannot be added to mobile wallets; must be used as physical plastic only
• Single-load virtual cards: Most can be added to Apple Pay/Google Pay, though some merchants may decline non-3DS cards
• Reloadable virtual card: Fully compatible with Apple Pay, Google Pay, and Samsung Pay; supports 3DS for wider acceptance

This distinction is crucial for users who prefer contactless payments, as only the Premium physical and virtual cards currently support this functionality.

Ecosystem Integration

The card services are part of a broader financial ecosystem that includes:

1. Zypto DeFi Wallet: Non-custodial wallet supporting multiple blockchains
2. Zypto Pay: Payment gateway for merchants to accept crypto
3. Bill Pay Service: Direct payment of utilities and mortgages with crypto
4. MoneyGram Access: Cash pickup from MoneyGram locations using crypto
5. Gift Card Marketplace: Purchase retailer gift cards with crypto
6. Mobile Top-Ups: Recharge mobile phones in 170+ countries with crypto

This integration creates a comprehensive financial platform that reduces dependency on traditional banking infrastructure, allowing users to manage their entire financial life through one application.

Mobile Top-Ups

Launched in July 2025, Zypto's mobile top-up service allows users to recharge mobile phones with cryptocurrency in 170+ countries across 800+ operators:

• Global Coverage: Available in 170+ countries with 800+ mobile operators supported
• Cryptocurrency Support: Use any of 100+ supported cryptocurrencies for top-ups
• No KYC Required: Top-ups can be processed through DeFi flow without KYC verification
• Instant Processing: Receive confirmation within minutes of transaction completion
• Blockchain Receipts: Get verifiable blockchain receipts for all transactions
• No Bank or Card Required: Direct crypto-to-mobile-credit conversion without traditional financial intermediaries
• In-App Integration: Seamlessly access through the Zypto App (v1.19+)

This service further extends Zypto's real-world utility for cryptocurrency holders, allowing them to pay for essential services directly with their digital assets without requiring conversion to fiat currency first.