最近更新：2026/09/29
wavecard® 是 wave.space 面向比特币用户提供的 Visa 借记卡，与用户的 Wave Space Bitcoin 账户连接，也可通过 Nostr Wallet Connect 连接自托管 Lightning 钱包。用户可存入链上或 Lightning BTC，消费发生时再按需卖出足额比特币完成法币结算，因此无需预先长期持有独立的法币卡余额。
wave.space 将 Bitcoin 账户、个人虚拟 IBAN、BTC/EUR 兑换和 wavecard® 整合在同一体系中，主要面向欧洲经济区用户。卡片既可使用存放在 Wave Space Crypto Account 中的 BTC，也支持通过 NWC 将自托管 Lightning 钱包接入消费链路；交易发生时才出售所需 BTC 以覆盖支付金额。其区别于普通加密预付卡的核心在于以 Bitcoin 为主要资金来源，并允许在托管账户与自托管 Lightning 钱包两种资金模式之间使用同一张卡。卡片金融服务由 Lightspark Payments Europe AS 等合作方提供，Wave Space 负责产品分销。
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
W wavecard Virtual wavecard | W wavecard Physical wavecard | |
|---|---|---|
| 卡片类型 | 虚拟卡 | 虚拟卡 |
| 费用 | ||
| 月费 | 免费 无卡片月度维护费 | 免费 无卡片月度维护费 |
| 开卡费 | 2.99 EUR 以BTC支付开卡费 | 29.99 EUR 以BTC支付开卡费 |
| ATM 取现费 | — | 2 EUR + 3% 每笔ATM现金取款 |
| 货币转换费 | 免费 无额外法币FX费 | 免费 无额外法币FX费 |
| 充值费 | 免费 平台不收Lightning费 | 免费 平台不收Lightning费 |
| 交易失败费 | — | — |
| 奖励 | ||
| 返现 | — | — |
| 加密货币返现 | — | — |
| 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 | 10,000 EUR 卡片每日支付上限 | 10,000 EUR 卡片每日支付上限 |
| 每月支出限额 | — | — |
| ATM 取款限额 | — | 350 EUR 现金取款额度，每日€350，每月€3,000 |
| 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。
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。
支持申请或可正常开卡使用
30条
不支持或受限开户/功能
83条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：中国大陆居民当前不可申请 wavecard，且大陆属于底层开户限制司法管辖区；已由合资格 EEA 居民取得的卡片仍可在接受境外 Visa 的商户使用，中国大陆未列入 wavecard 的卡支付禁止地区。
2、香港：香港居民因不属于 EEA 居民范围，当前不可按香港居住身份申请；已发行 wavecard 可在香港接受 Visa 的线上和线下商户使用，香港未列入底层卡交易禁止地区。
3、澳门：澳门居民当前不符合 EEA 居民申请条件，因此不可按澳门居住身份申请；已有 wavecard 可在澳门支持 Visa 的商户使用，澳门亦未列入卡支付禁止地区。
4、台湾：台湾居民当前不属于 wavecard 开放申请的 EEA 居民范围；合资格欧洲用户取得卡片后，可在台湾支持 Visa 的线上和线下商户进行消费。
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
分级 KYC
居住证明
需要
护照、EEA国民身份证、EEA居留许可、水电账单、银行或支付机构账户账单
自动身份核验通常五分钟内完成，人工合规状态建议至少等待一个工作日
Sumsub
2026/08/19
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
12项
不支持
0项
数据更新时间
2026/08/19
钱包支付
更新时间 2026/08/19
钱包支付
更新时间 2026/08/19
现金服务
更新时间 2026/08/19
AI 工具
更新时间 2026/08/19
AI 工具
更新时间 2026/08/19
钱包支付
更新时间 2026/08/19
AI 工具
更新时间 2026/08/19
线下支付
更新时间 2026/08/19
线上购物
更新时间 2026/08/19
钱包支付
更新时间 2026/08/19
订阅服务
更新时间 2026/08/19
钱包支付
更新时间 2026/08/19
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。
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。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
I use this app now for some Days and have to say i like it, the Service work well direct in seconds, the money transfer works excellent, I received my BTC directly to my bank account exchange in € a absolutely useful card in Physical and Virtual thank the developer team that is just what needed for daily living on BTC
Beware of this website, it's a scam. After I created and registered the account, when I sent the money, they blocked my account and stole the money without giving any explanation.
Unfortunately, this is a complete fabrication of what happened. 1. Your account was suspended for compliance reasons and we gave you an explanation over live chat support. 2. We have offered you a full refund of your balance into your bank account, but you refused.
Wonderful, I have connected my wallet via NWC and works very well. I spend some sats in a shop with contactless. The only problem remain is philosophical... Get used as an holder to live more on bitcoin and accept to spend and replace, and that's I will try to do 🙂
Estou extremamente satisfeito com o serviço! Um cartão visa que me permite gastar bitcoin na rede visa com as taxas mais baixas do mercado de cartões concorrentes(1% + 0.5% spread). Tenho associado a Google wallet e usado praticamente diariamente com contactless visa em Portugal sem um único problema. A interface é simples e as operações rápidas.Tenho inclusivamente configurado o auto topup via NWC alby no meu próprio nó lightning tudo a funcionar na perfeição. Melhor serviço de cartão bitcoin na Europa. Recomendo fortemente!
Using wavespace daily for payments with card. Works great with mobile wallet. Very fast swaps and low fees.
By far the easiest way to live on bitcoin. The physical card will be just the cherry on top of the cake.
check it out: all reviews are made from people that only posted ONE SINGLE REVIEW. furthermore, my initial review was deleted. suspicious ain't it? let's see how much this one lasts. anyway, smells like fishy, to say the least.
All of our reviews (except yours) are genuine user experiences, and if you would at least bother to scroll down, you would easily notice that we have a number of verified users that had done up to 7 reviews on Trustpilot in general. Your review is a flagrant attempt to reduce our average score without even trying out our services or caring to write anything actually useful or even factual. We have a lively group of hundreds of early adopters on our Telegram channel @wavespacecommunity, where you can easily chat with existing users and get their honest opinion. It's quite pathetic that your account itself has 1 review and was probably created for the sole reason of giving 1 star to us. Well... haters gonna hate.
I loved how simple and straightforward the app was. No unnecessary long texts, B-roll videos in the background on basic filler images. You open the app, do the shit you need and get out. In terms of the features provided, I mostly liked these two things: 1. Bank transfers were instant, in my own name, and the bank had no issues accepting it. It's as if I was using a debit card from the bank. 2. Wavecard sells BTC at the last second before my transaction and adds only a 1% fee.
Happy to be of service! 🫡
Probably the sexiest Bitcoin product out there! Can’t wait for more features to be released.
Thank you David! What comes to your mind when you see this? 😎 "Buy, Sell, Spend, XXX, YYY, ZZZ, ... Bitcoin" 🟠
Really a great product. Living on your bitcoin has never been so easy. Fast, simple and cheap. Can't wait for the physical card though. Payment limits for online or contactless purchases are easily managed.
Great to have you! Physical card is in progress and on the way! 🚢
更新时间：2026/08/19
暂无风险因素
