可申请地区
支持申请或可正常开卡使用
1条
🌐当前无开放地区NO_OPEN
- 证据来源
- 官方支持
- 更新时间
- 2026/07/28
S
Spend Card
最近更新：2026/09/18
Spend Card 是仍处于开发和等待名单阶段的稳定币借记卡产品，计划通过 Spend 的 Universal Balance 将用户在 Base、Plasma、Solana 等网络上的多个非托管钱包余额聚合为统一消费资金来源。其设计重点是不要求用户将稳定币长期转入传统交易所或中心化托管账户，但正式结算和扣款机制尚未完整公布。
无 App Store
- 发卡网络
- Visa
- 产品类型
- 稳定币支付卡
- 卡片形态
- 金属卡
- 运营状态
- 候补开放
- KYC 级别
- 完整 KYC
- 商业关系
- 无商业关系
- 风险分数
- 50-59
- 支持资产
- 未确认
- 最近更新
- 2026/09/18
卡片概览
Spend 当前产品定位围绕非托管钱包和多链稳定币余额展开，计划允许用户连接 MetaMask、Rainbow、Coinbase Wallet 等自托管钱包，并通过 Universal Balance 汇总不同钱包及区块链上的稳定币用于单笔卡支付。主站展示的是金属实体借记卡，并明确说明产品仍在开发，现阶段只能加入等待名单，尚未向普通用户正式发卡。英国另规划了与 GBP 电子货币账户结合的 Visa Platinum 卡方案，并通过 Wintermute 在支付环节处理稳定币至英镑的转换，但该地区方案不能代表全球版已经正式开放。
卡片形态与费用差异
比较不同卡片形态与等级的真实费用记录
按住或滑动表格任意区域，左右查看全部卡片；左侧项目保持固定
S Spend Digital Asset Debit Card | S Spend Visa® Platinum Debit Card | |
|---|---|---|
| 卡片类型 | 金属卡 | 金属卡 |
| 费用 | ||
| 月费 | 免费 零年费 | 免费 |
| 开卡费 | — | — |
| ATM 取现费 | — | — |
| 货币转换费 | 免费 不收外币交易费 | 免费 |
| 充值费 | — | — |
| 交易失败费 | — | — |
| 奖励 | ||
| 返现 | — | 4% 适用于合资格消费 |
| 加密货币返现 | 4% 消费后返至钱包 | — |
| 质押奖励 | — | — |
| 质押年利率 | — | — |
| 欢迎奖金 | — | — |
| 推荐奖金 | — | — |
| 限制 | ||
| 每日支出限额 | — | — |
| 每月支出限额 | — | — |
| ATM 取款限额 | — | — |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
地区和语言支持
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
不支持或受限地区
不支持或受限开户/功能
1条
🌐全球GLOBAL
- 证据来源
- 官方限制
- 更新时间
- 2026/07/28
未确认地区
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
- 证据来源
- 已确认
- 更新时间
- 2026/07/28
中国大陆适用性
1、中国大陆：当前不可正式申请，只能登记全球版等待名单；由于卡片尚未签发，不能用于当地线上、线下或ATM交易。
2、香港：当前不可正式申请，只能提交等待名单资料；产品尚未公布香港发卡资格，也没有现行卡片可供当地使用。
3、澳门：当前不可正式申请，只能登记产品通知；卡片尚未进入公开发行阶段，不能用于澳门商户或ATM交易。
4、台湾：当前不可正式申请，只能登记等待名单；产品尚未开放身份审核及卡片签发，因此没有现行支付功能。
- 证据来源
- 公开资料、官方政策、用户反馈
- 更新时间
- 2026/08/05
KYC 要求
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
支持证件
护照、驾驶证、其他政府签发身份证件
审核时间 / 地区限制
自动身份验证可在数分钟完成，人工合规及资料复核按七日上限记录
KYC 服务商
Sumsub
更新时间
2026/08/05
支付兼容性
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
0项
不支持
12项
数据更新时间
2026/07/28
钱包支付
支付宝
×不支持
更新时间 2026/07/28
钱包支付
Apple Pay
×不支持
更新时间 2026/07/28
现金服务
ATM 取现
×不支持
更新时间 2026/07/28
AI 工具
ChatGPT
×不支持
更新时间 2026/07/28
AI 工具
Claude
×不支持
更新时间 2026/07/28
钱包支付
Google Pay
×不支持
更新时间 2026/07/28
AI 工具
Midjourney
×不支持
更新时间 2026/07/28
线下支付
线下刷卡
×不支持
更新时间 2026/07/28
线上购物
线上购物
×不支持
更新时间 2026/07/28
钱包支付
PayPal
×不支持
更新时间 2026/07/28
订阅服务
订阅支付
×不支持
更新时间 2026/07/28
钱包支付
微信支付
×不支持
更新时间 2026/07/28
深度评测
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
最近变化
经核实并发布的卡片变化记录，按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
用户评论
8已展示全部 8 条已批准入库、并已匹配当前卡片的评论
原文
Scam service who not let me use my…
Scam service who not let me use my wallet and got my money, stay far away from this. They don't even answer tickets Reporting them to the BBB and FBI
原文
Stolen my money
Stolen my money! they just suspend my wallet with funds (over 14000$) and ignoring all my emails, block me on tweeter, telegram! And nothing I can do Spend.com Is scaming people! bewere
原文
It's been three days and I have not…
It's been three days and I have not been approved for level 2 customer service will not a answer me
原文
Great debit card service for crypto
Great debit card service for crypto. We've purchased a couch, meals, and other great items from our crypto earnings. Add several types of crypto to load your card. You also earn SPND coin bonuses for using the card around town
原文
Their customer service are nothing but…
The people they have doing customer service are mentally stunted. It took me over two months to update my address because it takes them forever and they argued that a lease wasn’t enough proof of address, by the time my card was sent I moved. Now I am trying to update it again... they took over a week to answer me to let me know that I need to message from my e mail on the account, mind you this is my e mail I used a few months prior to update my address and actually is the one on the account. All of this because I have money stuck on their “spend coin” because their system is flawed and won’t let me convert it. So it’s stuck without this impossible to get card .
原文
I love the Spend app
I love the Spend app. I’ve been a Black Cad VISA. Holder for almost 2 years..I’ve had a few issues with spend but they were all resolved.. I believe in the long run these guys will be on top of the World
原文
Spend.com - Crypto Debit Card
I've been a loyal user of spend for over 6 month. I'm a black card holder. Being a black card member of Spend ( you have to stake their token, at current value is $200 worth), you earn 6 percent back on all visa charges. Also, when you refer someone and they successfully sign up, that person and your self receive $100 in their native token. Those referral bonuses are held for 30 days. You can invest in a wide variety of tokens including BTC, ADA, XRP, XLM, the list goes on. Also within the app, you can spend that token anywhere Visa is accepted. The App allows you to switch easily between various crypto tokens. Today you can spend Bitcoin, tomorrow Ethereum, next day Cardano or even switch up through out the day, all earning up to 6% back. Techsupport is already to assist. Some more complicated challenges may take up to 24 to 48 hours, but they will solve your issue.
原文
Beware!
Beware!! This people took my money and never gave it back to me. I sent several emails and now they don't answer back anymore! Let me explain: They have me the option to get a visa debit card, to get it I had to send a deposit of my hard earned money so I did. After a week of waiting I sent them an email asking when I'm getting my card, they replied telling me they do not offer the card anymore!! I said ok can I get my deposit back? They said sure soon you will get it, I ask when and they never replied, even now I sent them an email and no answer. These people are disgusting, they make you pay for a service they don't offer and on top of that they don't give you your money back!!! Really unfair!! It's been a several weeks and still no answer from them at all, they scam people.
风险因素
更新时间：2026/07/28
暂无风险因素