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Benpay Card

Updated: Aug 10, 2026

BenPay Card is a self-custodial Web3 payment card built by BenPay on the BenFen chain. It primarily uses stablecoins such as USDT and USDC to top up US dollar-denominated cards for real-world spending. Three virtual Visa cards are currently officially available: Alpha Card, Sigma Card and Delta Card, designed respectively for low top-up costs, Asian and cross-border payments, and AI and digital subscriptions. The cards support online spending worldwide, mobile wallets and various subscription services, connecting on-chain wallets, self-custodial assets, DeFi Earn and bank card spending within one system.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Tiered KYC
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC
Last updated
Aug 10, 2026

Official and company information

Issuer identity and company credentials

BenPay is a self-custodial Web3 financial application in the BenFen blockchain ecosystem, offering multi-chain wallets, stablecoin cross-chain transfers, crypto payment cards, DeFi yield aggregation, collateralized lending, on-chain swaps, and merchant payments. Users control their wallet private keys, but card top-up balances, fiat settlement, and card network transactions still involve off-chain card service providers. The current website has not fully disclosed the actual issuing bank, BIN sponsor, card program manager, or legal agreements for different card types.
Visit website Application page
Company / issuer
BenPay
Legal name
BenFen Inc
Registered region
United States (US)
Headquarters
United States
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

BenPay is an on-chain finance app operated by BenFen Inc. that integrates a self-custody wallet, cross-chain bridge, DEX, DeFi Earn, stablecoin payments, and BenPay Card. The wallet supports multi-chain assets, and card top-ups currently focus on USDT and USDC, which are converted to USD-equivalent balance for spending. The official statement emphasizes that users control their wallet private keys, and card-related top-ups, limits, and fund management incorporate on-chain signatures and smart contract mechanisms. As of August 2026, BenPay's official card tiers are Alpha, Sigma, and Delta. All three cards charge a one-time issuance fee, but the fee structures differ: Alpha focuses on zero top-up fees and high limits; Sigma uses a fixed non-USD cross-border fee and is optimized for Asian wallets; Delta currently has no percentage transaction fee and is more focused on AI subscriptions like ChatGPT and Claude. Physical cards and ATM functionality are still in future plans; the current product is primarily virtual cards.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

BenPay Alpha virtual card
BenPay Sigma virtual card
BenPay Delta virtual card
Card formVirtual cardVirtual cardVirtual card
Fees
Monthly fee
Free
1 USD
Charged monthly after the first month free
1 USD
Current monthly fee for new users
Card issuance fee
9.9
One-time issuance fee
9.9 USD
One-time issuance fee
9.9 USD
One-time issuance fee
ATM fee———
Foreign exchange fee
1.5%
Charged for non-USD cross-border transactions, minimum 0.01 USD
0.5 USD
Fixed fee on non-USD transactions
1.5%
Cross-border fee for non-USD transactions
Top-up fee
Free
Stablecoin top-up fee is zero
1.5%
Charged as a percentage of the top-up amount
0.01 USD + 0.5%
Percentage of top-up amount, minimum 0.01 USD
Failed transaction fee
Free
No additional failure fee currently
0.1 USD
Charged when authorization fails
0.5 USD
Charged per failed transaction
Rewards
Cashback———
Crypto cashback———
Staking rewards———
Staking APR———
Welcome bonus———
Referral bonus
2
Valid referrals rewarded per rules
2 USD
Valid referrals rewarded per rules
2 USD
Valid referrals rewarded per rules
Limits
Daily spending limit
10,000 USD
Current official daily spending limit
300,000 USD
Current official daily spending limit
100,000 USD
Current official daily spending limit
Monthly spending limit———
ATM withdrawal limit———
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

222
MaldivesMVFranceFRMozambiqueMZMoroccoMAGuernseyGGComorosKMKuwaitKWNigeriaNGSwitzerlandCHUgandaUGSt. MartinMFUnited KingdomGBArmeniaAMEcuadorECAndorraADFijiFJLibyaLYBahrainBHNorth MacedoniaMKPapua New GuineaPGSt. BarthélemyBLTaiwanTWJordanJOSt. Kitts & NevisKNPeruPEMarshall IslandsMHBelizeBZNew ZealandNZMayotteYTSouth KoreaKRColombiaCOCongo - KinshasaCDUnited Arab EmiratesAESaudi ArabiaSASolomon IslandsSBBotswanaBWCyprusCYPolandPLGermanyDENepalNPNigerNETurkmenistanTMSpainESBrazilBRFaroe IslandsFOPuerto RicoPRMontenegroMEGrenadaGDLatviaLVMacaoMOChristmas IslandCXDjiboutiDJBosnia & HerzegovinaBAAustriaATKenyaKEMaliMLCook IslandsCKUnited StatesUSJerseyJEAustraliaAUSurinameSRIrelandIEEswatiniSZAngolaAOHaitiHTNamibiaNANicaraguaNINorfolk IslandNFEgyptEGTokelauTKGuineaGNMonacoMCWestern SaharaEHLiechtensteinLICôte d’IvoireCISri LankaLKCape VerdeCVGibraltarGITuvaluTVEquatorial GuineaGQChadTDSamoaWSGuyanaGYLebanonLBArubaAWDominicaDMThailandTHBahamasBSFrench GuianaGFKiribatiKIGreenlandGLRwandaRWMauritiusMUHong KongHKNew CaledoniaNCMontserratMSNauruNRPanamaPACzechiaCZMalawiMWGreeceGRAntigua & BarbudaAGRomaniaROTrinidad & TobagoTTGuinea-BissauGWDominican RepublicDOPortugalPTIraqIQSão Tomé & PríncipeSTCocos (Keeling) IslandsCCBarbadosBBIndonesiaIDBermudaBMGuadeloupeGPNorwayNOAzerbaijanAZSouth SudanSSIsraelILAlgeriaDZHungaryHUCayman IslandsKYMongoliaMNMadagascarMGBurundiBIEthiopiaETBruneiBNRéunionREAmerican SamoaASQatarQANorthern Mariana IslandsMPSenegalSNMicronesiaFMGabonGAArgentinaARFinlandFICentral African RepublicCFPalauPWCroatiaHRLuxembourgLUCanadaCAGhanaGHLesothoLSBhutanBTItalyITSloveniaSIBurkina FasoBFTogoTGIndiaINChileCLAnguillaAITanzaniaTZSwedenSEVatican CityVAFalkland Islands (Islas Malvinas)FKDenmarkDKLithuaniaLTIcelandISBeninBJSeychellesSCParaguayPYTajikistanTJNiueNUJapanJPGeorgiaGESt. Vincent & GrenadinesVCCongo - BrazzavilleCGMalaysiaMYBulgariaBGSint MaartenSXU.S. Virgin IslandsVIEritreaERPhilippinesPHBritish Virgin IslandsVGEstoniaEEBangladeshBDTongaTOSierra LeoneSLCameroonCMMartiniqueMQHondurasHNZambiaZMGambiaGMKazakhstanKZNetherlandsNLLaosLAAlbaniaALMaltaMTGuatemalaGTIsle of ManIMVietnamVNTürkiyeTRTurks & Caicos IslandsTCBoliviaBOUruguayUYÅland IslandsAXFrench PolynesiaPFBelgiumBECosta RicaCRLiberiaLRMauritaniaMRMoldovaMDChinaCNWallis & FutunaWFJamaicaJMSt. LuciaLCKyrgyzstanKGZimbabweZWSlovakiaSKSan MarinoSMMexicoMXSerbiaRSTunisiaTNCambodiaKHOmanOMUzbekistanUZEl SalvadorSVPakistanPKSouth AfricaZATimor-LesteTLGuamGUCuraçaoCWVanuatuVU
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

14
UkraineUAYemenYEMyanmar (Burma)MMBelarusBYVenezuelaVERussiaRUCubaCUIranIRNorth KoreaKPSingaporeSGAfghanistanAFSyriaSYSudanSDSomaliaSO
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：中国大陆未被 Alpha、Sigma 或 Delta 的官方开卡限制名单排除，居民可按实际申请页面提交资料；Alpha、Sigma 可用于支付宝和微信场景，Delta 当前在中国境内暂不能绑定支付宝和微信。

2、香港：中国香港未列入三种卡的禁止开卡地区，符合申请页面身份审核条件后可申请；可使用国际线上商户及对应卡种支持的 Apple Pay、Google Pay、支付宝等支付功能。

3、澳门：中国澳门未列入 Alpha、Sigma 和 Delta 的禁止地区，可按实际卡片申请流程提交资料；获卡后可用于支持 Visa 及对应第三方钱包的线上和移动支付场景。

4、台湾：中国台湾未列入现行三种卡禁止开卡名单，可完成相关身份资料审核后申请；已发行卡可用于国际线上消费及相应 Apple Pay、Google Pay 等支付场景。

Updated: Aug 10, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Tiered KYCRequirement confirmed

Proof of address

UnconfirmedPending

Accepted documents

Unconfirmed

Review time / regional limits

Basic verification can be completed in minutes; abnormal documents enter manual review and take longer.

KYC provider

Not disclosed

Updated

Aug 10, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 10, 2026

Wallet payments

Alipay

Supported

Aug 10, 2026

Wallet payments

Apple Pay

Supported

Aug 10, 2026

Cash services

ATM withdrawal

Not supported

Aug 10, 2026

AI tools

ChatGPT

Supported

Aug 10, 2026

AI tools

Claude

Supported

Aug 10, 2026

Wallet payments

Google Pay

Supported

Aug 10, 2026

AI tools

Midjourney

Supported

Aug 10, 2026

In-person payments

Offline POS

Supported

Aug 10, 2026

Online shopping

Online shopping

Supported

Aug 10, 2026

Wallet payments

PayPal

Supported

Aug 10, 2026

Subscriptions

Subscription payment

Supported

Aug 10, 2026

Wallet payments

WeChat Pay

Supported

Aug 10, 2026

User reviews

Showing 6 approved reviews matched to this card

Newest first
Linda Andersongoogle_play★ 1 / 5

BenPay Google Play review - 1 star

this app charged me 4$ for a 12$ transaction , they're not reliable to use guys , it's a very nonsense project something any other wallet won't do they're now explaining to me how network fees Work, that it's not thier fault, that I'll have to check when the network few is low and then make my transaction. so if I wanna transact on any other wallet , will I ever need to be looking for when the network fee will be low or high? this is a failed project
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Longho Glory nezahgoogle_play★ 5 / 5

BenPay Google Play review - 5 star

excellent
View original
Mizuki4688app_store★ 5 / 5

Easy to use defi & card

Honestly the best crypto app I’ve used so far. BenPay makes DeFi super easy – one click and I can access the best yields without thinking about chains or wallets. The card system is also amazing: 3 cards share the same balance, and each card works better in different places. If one card has an issue, I can just switch the balance to another instantly, no stress. Feels very stable and reliable compared to others I tried. Highly recommend for anyone who wants simple DeFi + payments that just work.
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Jajagoogle_play★ 1 / 5

BenPay Google Play review - 1 star

A very useless app. No wonder it has no reviews. It's so useless that only over a hundred people have downloaded it.
View original
Dr ETHFapp_store★ 5 / 5

smooth trans!

Convinencr everywhere in US
View original
匿名懦夫司机app_store★ 4 / 5

还不错

红包功能不错，可以给朋友发基于区块链的红包🧧了。
View original

Risk factors

Updated: Aug 10, 2026

No risk factors are available