IS ETHENA PAY A BANK?

No. Ethena Pay is a non-custodial money app. Your fiat IBAN is provided through licensed banking partners, and your assets sit in a self-custodial wallet that only you control — we never hold your money.

You do. Ethena Pay is non-custodial: the wallet keys are yours, secured by passkeys and biometrics on your device.

CAN I WITHDRAW MY MONEY ANYTIME?

Yes. Withdraw to any external wallet or to a bank account at any time. There is nothing locked and no term to wait out.

Sending money to other Ethena Pay users is free, with no monthly account fees and none of the usual FX markups. Pro is available via subscription or referrals.

ETHENA PAY CARD

Status: Active

Issued by ETHENA PAY

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STANDARD

Card Overview

Custody Type

NON CUSTODIAL

Card Type

VIRTUAL AND PHYSICAL CARD

Material

Virtual

KYC

Standard

Learn about the ETHENA PAY Crypto Card, including cashback, fees, limits, key features, supported countries, card tiers, KYC requirements, and Pros & Cons.

Pros

Non-custodial

Up to 6% p.a. total earn, paid daily in USDe, uncapped above the Boost Cap only earns base rate

Up to 5% AVAX cashback

0% APR, 0% FX fee, 0% cross-border fee, spend at Visa's own exchange rate only

Free peer-to-peer sends to other Ethena Pay users, no monthly/account/inactivity fees

Virtual card in under a minute; Visa accepted at 130M+ merchants

Apple Pay supported; social login (Apple/Google) + passkeys for security

49 countries live with more (USA/EU/UK/etc.) "coming soon

Cons

Cashback paid in AVAX, dollar value not guaranteed

Earn is a discretionary "Daily Boost" over a market-set $USDe base rate, not a guaranteed yield, not insured

Boost requires at least one card transaction per calendar month, or you don't earn it

Secured/collateral product

No ATM withdrawals, no cash advances, no balance transfers

Pro tier cost and VIP tier qualification not published

Google Pay not yet available; EUR/YEN/BRL holdings still "coming soon"

Source Data

Complete tier tables exactly as published in the source catalog — no values rounded, converted, or omitted. Selecting a tier re-maps this page to that tier.

STANDARD PRO VIP

STANDARD

W BONUS NONE

REG FEE / REQ FREE

CASHBACK UP TO 4%

NEED KYC YES

FX FEE 0%

APR / YIELD YES

CARD TYPE VIRTUAL AND PHYSICAL CARD

CARD NETWORK visaVisa

BLOCKCHAIN ethereumETHEREUMpolygonPOLYGONoptimismOPTIMISMarbitrumARBITRUM

REGION LATAMGLOBAL

WALLET TYPE NON CUSTODIAL

MOBILE PAY YES

BANK TRANSFER YES

ATM LIMIT NOT AVAILABLE

DAILY LIMIT DYNAMIC

Compare all tiers

Detail	STANDARD	PRO	VIP
W BONUS	NONE	NONE	NONE
REG FEE / REQ	FREE	NOT DISCLOSED	NOT DISCLOSED
CASHBACK	UP TO 4%	UP TO 4.5%	UP TO 5%
NEED KYC	YES	YES	YES
FX FEE	0%	0%	0%
APR / YIELD	YES	YES	YES
CARD TYPE	VIRTUAL AND PHYSICAL CARD	VIRTUAL AND PHYSICAL CARD	VIRTUAL AND PHYSICAL CARD
CARD NETWORK	visa, Visa	visa, Visa	visa, Visa
BLOCKCHAIN	ethereum, ETHEREUM, polygon, POLYGON, optimism, OPTIMISM, arbitrum, ARBITRUM	ethereum, ETHEREUM, polygon, POLYGON, optimism, OPTIMISM, arbitrum, ARBITRUM	ethereum, ETHEREUM, polygon, POLYGON, optimism, OPTIMISM, arbitrum, ARBITRUM
REGION	LATAM, GLOBAL	LATAM, GLOBAL	LATAM, GLOBAL
WALLET TYPE	NON CUSTODIAL	NON CUSTODIAL	NON CUSTODIAL
MOBILE PAY	YES	YES	YES
BANK TRANSFER	YES	YES	YES
ATM LIMIT	NOT AVAILABLE	NOT AVAILABLE	NOT AVAILABLE
DAILY LIMIT	DYNAMIC	DYNAMIC	DYNAMIC

Source: ethena-pay-card Updated 2026-09-15T11:42:08+00:00 · reviewed data

Rewards & Staking

Max Cashback

UP TO 4%

On eligible purchases

Reward Token

N/A

Payout details not disclosed

APR / Yield

YES

See provider for terms

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus NONE

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

ETHENA PAY CARD

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

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

ethereum

polygon

optimism

arbitrum

Card Options

Virtual Card: Instant digital issuance

Virtual Card

Issuance N/A

Replacement N/A

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

REG FEE / REQ FREE

FX Fee 0%

ATM Withdrawal N/A

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 DYNAMIC

Monthly Spend Limit N/A

ATM Withdrawal Limit NOT AVAILABLE

Free ATM Limit N/A

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

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 N/A

Account Type N/A

Direct Deposit N/A

Bill Pay N/A

Instant Issuance N/A

Self Custody Yes

Dual Mode (Switch) N/A

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

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Available

Not available

49 countries

View country list (49 countries)

Antigua and BarbudaArgentinaAustraliaBahamasBangladeshBarbadosBelizeBoliviaBrazilCayman IslandsColombiaCosta RicaCôte d'IvoireDominicaDominican RepublicEcuadorEgyptEl SalvadorGhanaGrenadaGuatemalaGuyanaHondurasHong KongJapanKenyaMalaysiaMexicoMoroccoNew ZealandPakistanPanamaParaguayPeruPhilippinesSaint Kitts and NevisSaint LuciaSaint Vincent and the GrenadinesSenegalSingaporeSouth AfricaSurinameThailandTrinidad and TobagoTurks & Caicos IslandsUgandaUnited Arab EmiratesUruguayZambia

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

Excluded Regions

Regions where this card is not available

AfghanistanAbkhaziaBelarusBurma (Myanmar)BurundiCentral African RepublicCrimeaCubaDemocratic Republic of the CongoDonetsk and Luhansk regions of UkraineEthiopiaIranLebanonLibyaMaliNicaraguaNorth KoreaNorthern CyprusRussiaSomaliaSomalilandSouth OssetiaSouth SudanSudanSyriaVenezuelaYemenZimbabwe

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Quick Answers

Frequently asked questions about ETHENA PAY CARD

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.

ETHENA PAY

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Funding Methods

Bank Transfer

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