Cypher is a non-custodial crypto card and wallet backed by Coinbase Ventures and Y Combinator, enabling users to spend 1,000+ cryptocurrencies and stablecoins worldwide, wherever Visa is accepted

What is the Cypher Protocol?

The CYPR protocol is a decentralized incentive ecosystem on the Base chain that uses a vote-escrow model and merchant-driven "bribes" to transform routine consumer spending into community-governed rewards.

HOW DOES CASHBACK WORKS?

It has 2 rewards for spends - Base Spend - for every transaction you do with Cypher Card and earn $CYPR in return. - Boosted Spend - Cypher users can vote and boost brands, top voted brands earn higher cashback and earn a lot more $CYPR (earning upto 60-80% cash back on top brands across the world). $CYPR can be exchanged for USDC/USD or locked for getting even higher returns

What chains does Cypher support?

Cypher supports Ethereum, Hyperliquid, Polygon, Noble,Avalanche,Optimism, Arbitrum,Cosmos, Osmosis, Coreum,Injective, Binance, Zksync, Base, Solana chains

How Secure is Cypher?

Cypher is non custodial Cypher’s app is open source, Audited by security platforms Fraud protection (up to $300), Lockdown mode,

How can I get a virtual card?

Once your KYC is approved, you'll receive an email notification about your virtual card. Load a minimum of $10 to activate it and start using it for any online transactions. Also it can be added to Apple Pay, Google Pay, and other mobile wallets.

CYPHER CARD (STANDARD)

Status: Active

Issued by Cypher

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STANDARD

Self Reported

What is this?

Card Overview

Custody Type

non-custodial

Card Type

debit

Material

Plastic

KYC

Full

Pros

NO ANNUAL FEE - Free tier

SUPPORT MULTIPLE BLOCKCHAIN/Token

self custody and easy deposit

HIGH DAILY SPENDING LIMITS

HAVE FREE REGISTRATION And VCC Option

Cons

Crypto Load Fee UP to 1%

1.75% FX fee / free tier

ATM Withdraw Fee UP TO 3%

$50 Shipping Fee - CARDS / Free tier

NO IBAN/Swift support

3%-5% FEE on BANK DEPOSITS

Rewards & Staking

Max Cashback

$CYPR

On eligible purchases

Reward Token

$CYPR

Paid out in $CYPR

Staking APY

N/A

On staked assets

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus 50 CYPR

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount N/A

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

CYPHER CARD (STANDARD)

Self Reported

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Rewards paid in $CYPR, a volatile token whose USD value can swing.

Apply for CYPHER CARD (STANDARD) Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

ARBITRUM

ETHEREUM

OPTIMISM

POLYGON

Card Options

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

Fee Structure N/A

FX Fee 2%

ATM Withdrawal up to 4%

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit N/A

Monthly Spend Limit N/A

ATM Withdrawal Limit $2,000/day, $10,000/month

Free ATM Limit N/A

Max Balance $100,000 per single load

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Contactless

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account No

Account Type N/A

Direct Deposit No

Bill Pay No

Instant Issuance No

Self Custody No

Dual Mode (Switch) No

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type N/A

Hours N/A

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Full

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Required

Geographic Availability

Worldwide / Global Coverage

Markets where this card can be used. Hover red regions for the restriction reason.

Sources & Provenance

Official · 26

26 source citations across 26 fields, captured during the latest research run.

Customer Reviews

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Community

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Quick Answers

Frequently asked questions about CYPHER CARD (STANDARD)

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

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