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BBonkX Spend Card logo

BonkX Spend Card

Updated: Aug 11, 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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Confirmed unavailable on App Store
Card network
Visa
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
Aug 11, 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 is operated by BonkX, Inc., a company incorporated in Delaware, United States. Its app provides access to a self-custody crypto wallet and the BonkX Spend Card. BonkX itself does not hold users' private keys and is not the issuer. Signify Holdings, Inc. (Rain) is responsible for program management and payment infrastructure, while Third National issues the Visa cards. Users' crypto assets serve as collateral for liabilities arising from card spending, and spending limits are adjusted dynamically based on the value of the collateral. If the collateral value is insufficient to cover the amount due, the collateral may be liquidated. The card terms explicitly provide for both virtual and physical cards, while the official website currently continues to use a limited Beta invitation and waitlist model.
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

BonkX payment card
Card formVirtual + 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 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

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

32
Côte d’IvoireCILaosLACubaCUIranIRBulgariaBGVietnamVNSouth SudanSSKuwaitKWCameroonCMPapua New GuineaPGMyanmar (Burma)MMChinaCNHaitiHTYemenYEIsraelILAngolaAORussiaRUIraqIQNepalNPNorth KoreaKPBoliviaBONicaraguaNIKenyaKEVenezuelaVEIndiaINBelarusBYSyriaSYTürkiyeTRLebanonLBUkraineUABosnia & HerzegovinaBAMonacoMC
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：中国大陆居民当前不能申请 BonkX Card；Rain 明确禁止向大陆居民发卡，但已持有的境外卡可在未受限制且接受 Visa 的商户消费。

2、香港：中国香港未列入 Rain 禁止发卡地区，可参加 BonkX 当前有限 Beta 申请及资格审核；获卡后可在接受 Visa 的线上和线下商户使用。

3、澳门：中国澳门未列入 Rain 禁止发卡地区，可参加 BonkX 当前有限 Beta 申请及资格审核；获卡后可在接受 Visa 的澳门及境外商户消费。

4、台湾：中国台湾未列入 Rain 禁止发卡地区，可参加 BonkX 当前有限 Beta 申请及资格审核；获卡后可在接受 Visa 的线上和实体商户使用。

Updated: Aug 11, 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

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

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

User reviews

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Risk factors

Updated: Aug 11, 2026

No risk factors are available