Card database / Visa / Crypto-collateral credit card

BonkX Spend Card

Updated: Sep 20, 2026

BonkX Spend Card is a crypto-collateralised Visa credit card offered by BonkX for use with a self-custody crypto wallet. Users retain control of their wallet's private keys and use digital assets as collateral for card spending without having to sell their holdings before each purchase. Available as both a virtual and physical card, it can be used for online and in-store purchases at Visa merchants and for cash withdrawals. It also offers BXP spending points and is intended for crypto users who want everyday payment access while retaining their on-chain asset holdings.

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Card network
Product type: Crypto-collateral credit card
Card form: Virtual + physical card
Operating status: Invite only
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 70-79

Supported assets: USDT
Last updated: Sep 20, 2026

Official and company information

Issuer identity and company credentials

BonkX is a Web3 fintech company registered in Delaware, USA, operating a self-custodial digital asset wallet on Solana, crypto asset on/off ramps, membership subscriptions, BXP rewards, and crypto-collateralized payment card access. Users control their wallet private keys; BonkX does not directly custody digital assets. Card issuance, compliance review, project management, and settlement for the BonkX card are provided by third-party financial service institutions. ([Docs BonkX][2])

Visit website Application page

Company / issuer: BonkX
Legal name: BonkX, Inc.
Registered region: United States (US)
Headquarters: New York
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

BonkX combines a self-custody wallet with a standalone secured card account; user assets remain in the linked blockchain-enabled wallet and serve as collateral for the card's spending limit. The available limit is determined by the market value of the pledged assets, and spending creates a card balance that must be repaid; failure to maintain sufficient collateral value or to make required repayments may trigger the liquidation of the pledged assets. Consequently, it differs from common stablecoin-funded prepaid cards and does not operate via real-time cryptocurrency deductions from the wallet for settlement. The card program is supported by Rain, issued by Third National, and operates on the Visa network. Access is currently limited to a "Beta Waitlist" on the official website, available only to a select group of users. The card terms specify the availability of both virtual and physical cards.

Visa card experienceRegional availabilityTerms may change

Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

	BBonkX Spend Card
Card form	Virtual + physical card
Fees
Monthly fee	25 USD Series 001 membership fee
Card issuance fee	Free First card included with membership
ATM fee	2% First $500/month free; 2% above that, min $3
Foreign exchange fee	3% Non-USD up to 3%; cross-border up to 3%; fees apply separately
Top-up fee	—
Failed transaction fee	—
Rewards
Cashback	1% No cap on qualifying spending
Crypto cashback	—
Staking rewards	—
Staking APR	—
Welcome bonus	—
Referral bonus	—
Limits
Daily spending limit	—
Monthly spending limit	—
ATM withdrawal limit	—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and language support

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

162

BeninBJTimor-LesteTLSenegalSNUruguayUYDominican RepublicDOMongoliaMNSloveniaSIDominicaDMVatican CityVASerbiaRSNauruNRMarshall IslandsMHBahrainBHCongo - KinshasaCDAustriaATEcuadorECGuatemalaGTBrazilBRBelizeBZMalawiMWSaudi ArabiaSAPalauPWJamaicaJMChadTDLithuaniaLTMozambiqueMZPortugalPTLiechtensteinLIUnited KingdomGBTunisiaTNZambiaZMCosta RicaCRCyprusCYTrinidad & TobagoTTUgandaUGUnited StatesUSUzbekistanUZBotswanaBWIcelandISDjiboutiDJCape VerdeCVQatarQAGermanyDESri LankaLKEgyptEGFinlandFIMauritaniaMRMaltaMTGuineaGNIndonesiaIDNigeriaNGKazakhstanKZRomaniaROMaldivesMVMaliMLCanadaCAUnited Arab EmiratesAEGeorgiaGESlovakiaSKChileCLPanamaPAGuyanaGYMoldovaMDColombiaCOTajikistanTJSouth KoreaKRGuinea-BissauGWTogoTGVanuatuVUGreeceGRAlbaniaALThailandTHEquatorial GuineaGQMoroccoMANorth MacedoniaMKNigerNEFranceFRHungaryHUSierra LeoneSLNorwayNOBruneiBNSwitzerlandCHZimbabweZWNetherlandsNLBurundiBILibyaLYHong KongHKSeychellesSCPeruPEEritreaERBarbadosBBAlgeriaDZSudanSDSpainESGambiaGMEl SalvadorSVParaguayPYLatviaLVSt. Kitts & NevisKNArgentinaARItalyITSwedenSEHondurasHNNamibiaNAPakistanPKSomaliaSOMadagascarMGEstoniaEEBelgiumBERwandaRWCentral African RepublicCFSt. Vincent & GrenadinesVCFijiFJGhanaGHMauritiusMUTanzaniaTZTuvaluTVSt. LuciaLCGabonGASouth AfricaZASolomon IslandsSBSão Tomé & PríncipeSTSan MarinoSMAfghanistanAFCambodiaKHKyrgyzstanKGAndorraADSamoaWSKiribatiKIMalaysiaMYSingaporeSGLiberiaLRAntigua & BarbudaAGComorosKMBurkina FasoBFTurkmenistanTMCroatiaHROmanOMAustraliaAUTaiwanTWEthiopiaETGrenadaGDIrelandIEMontenegroMEArmeniaAMAzerbaijanAZBangladeshBDMexicoMXMacaoMOJapanJPTongaTOBhutanBTPhilippinesPHPolandPLDenmarkDKBahamasBSJordanJOLesothoLSNew ZealandNZSurinameSRCzechiaCZLuxembourgLU

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

Côte d’IvoireCILaosLACubaCUIranIRBulgariaBGVietnamVNSouth SudanSSKuwaitKWCameroonCMPapua New GuineaPGMyanmar (Burma)MMChinaCNHaitiHTYemenYEIsraelILAngolaAORussiaRUIraqIQNepalNPNorth KoreaKPBoliviaBONicaraguaNIKenyaKEVenezuelaVEIndiaINBelarusBYSyriaSYTürkiyeTRLebanonLBUkraineUABosnia & HerzegovinaBAMonacoMC

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，BonkX excludes U.S. residents and citizens from its international card program; a qualifying card issued to an eligible non-U.S. user can still be used for purchases in the United States.

2. United Kingdom：Cannot apply，Can use，BonkX is currently accepting users through a beta waitlist rather than open card applications; eligible beta-issued cards support international spending in the UK.

3. Canada：Cannot apply，Can use，Public card applications are not yet open and access remains limited to the BonkX beta waitlist; an eligible card already issued through the program can be used in Canada.

4. Australia：Cannot apply，Can use，BonkX currently offers only beta-waitlist access rather than unrestricted card applications; eligible issued cards support international purchases in Australia.

5. South Africa：Cannot apply，Can use，South African residents can currently join the beta waitlist but cannot complete a public card application; an eligible issued BonkX Card can be used for purchases in South Africa.

6. New Zealand：Cannot apply，Can use，New card access remains limited to BonkX’s beta rollout, so New Zealand residents cannot currently obtain the card through an open application; eligible issued cards can be used locally.

7. Ireland：Cannot apply，Can use，BonkX remains in a limited beta rollout with public access handled through a waitlist; an eligible card already issued can be used for purchases in Ireland.

Updated: Sep 14, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Driver's license / Government-issued photo ID

Review time / regional limits

Automated checks are fast; manual review or document issues are handled within a 24-hour cap.

KYC provider

Rain

Updated

Aug 11, 2026

Payment compatibility

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

Compatibility overview12 scenarios

Supported12

Not supported0

UpdatedAug 11, 2026

Wallet payments

Alipay

Supported

Aug 11, 2026

Wallet payments

Apple Pay

Supported

Aug 11, 2026

Cash services

ATM withdrawal

Supported

Aug 11, 2026

AI tools

ChatGPT

Supported

Aug 11, 2026

AI tools

Claude

Supported

Aug 11, 2026

Wallet payments

Google Pay

Supported

Aug 11, 2026

AI tools

Midjourney

Supported

Aug 11, 2026

In-person payments

Offline POS

Supported

Aug 11, 2026

Online shopping

Supported

Aug 11, 2026

Wallet payments

PayPal

Supported

Aug 11, 2026

Subscriptions

Subscription payment

Supported

Aug 11, 2026

Wallet payments

WeChat Pay

Supported

Aug 11, 2026

Review

Read the editorial review, its verdict and latest update.

No review yet

No review has been published for this card. Published reviews appear here.

User reviews

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No approved reviews

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Risk factors

Updated: Aug 11, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does BonkX Spend Card require KYC?

Our record lists the BonkX Spend Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does BonkX Spend Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up BonkX Spend Card with?

Our record lists BonkX Spend Card support for: USDT.

Is BonkX Spend Card a virtual or a physical card?

BonkX Spend Card is offered as: Virtual + physical card.

Where is BonkX Spend Card available?

Our record lists 162 countries or regions as available and 32 as restricted. Country-by-country status is in the regions section of this page.

Who issues BonkX Spend Card?

BonkX Spend Card is operated by BonkX on the Visa network.