Payy is building onchain consumer banking. We’re vertically integrating stablecoins, a privacy-preserving blockchain, global fiat ramps, payment cards and cross-chain DeFi — all accessible through a single interface for businesses and consumers.

Spend stablecoins privately, anywhere Visa is accepted. Payy Card is a self-custodial Visa card that allows you to spend USDC from your Payy Wallet in stores or online. It combines private onchain settlement with global card acceptance.

Deposit and withdraw multiple currencies and tokens from your Payy wallet There are two main ways to deposit and withdraw from Payy: Fiat from your bank Crypto from other blockchains

PAYY CARD

Status: Active

Issued by Payy

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No back image available

Standard

Self Reported

What is this?

Card Overview

Custody Type

non-custodial

Card Type

debit

Material

Plastic

KYC

Standard

Pros

No issuance, monthly, or transaction fees

Self-custodial — spending limited to wallet balance, no credit check

Privacy-preserving payments via zero-knowledge proofs

Instant virtual card issuance upon identity verification

Freeze/unfreeze functionality

Cons

NO IBAN/Swift support

1% FX FEE

NO CASHBACK

NO APR / YIELD

Rewards & Staking

Max Cashback

No cashback rewards

On eligible purchases

Reward Token

N/A

Paid out monthly

Staking APY

N/A

On staked assets

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus N/A

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

PAYY CARD

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

Apply for PAYY CARD 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

Base

ETHEREUM

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 1%

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 Payy Wallet balance

Monthly Spend Limit N/A

ATM Withdrawal Limit NOT DISCLOSED

Free ATM Limit N/A

Max Balance N/A

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

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Worldwide / Global Coverage

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

Sources & Provenance

Official · 17

17 source citations across 17 fields, captured during the latest research run.

Customer Reviews

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Community

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Quick Answers

Frequently asked questions about PAYY 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.

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Funding Methods

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