Card database / Mastercard / Visa / Crypto debit card

Crypto Life Card

Updated: Sep 15, 2026

Crypto Life Card is a crypto payment card operated by Baanx and deeply integrated with Ledger. It is also known as CL Card powered by Ledger. Users can use digital assets such as BTC, ETH, SOL, USDC and USDT as a source of funds. At payment, the assets are automatically converted into fiat currency for online or offline purchases at merchants on international card networks. The product offers both virtual and physical cards, crypto cashback in BTC, USDT or BXX, and a Cryptodraft credit facility secured by BTC or ETH.

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

Supported assets: USDTUSDCBTCETHSOLXRPLTC
Last updated: Sep 15, 2026

Official and company information

Issuer identity and company credentials

Baanx is a UK-based fintech infrastructure company focused on providing modular "OpenFi" crypto debit card issuance, digital banking connectivity, and non-custodial staking and lending (Cryptodraft) technology solutions to major global non-custodial crypto wallets and Web3 platforms such as Ledger, MetaMask, and 1inch. Through its unified technology API, Web3 platforms can quickly launch co-branded debit cards connected to Visa or Mastercard networks, allowing retail users to make instant crypto asset debits and fiat settlement at tens of millions of physical and online merchants worldwide while keeping their assets self-custodied on-chain.

Visit website Application page

Company / issuer: Baanx (CL Card / Crypto Life)
Legal name: Baanx.com Ltd
Registered region: United Kingdom (GB)
Headquarters: Cambridge, United Kingdom
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

Crypto Life is a payment brand operated by Baanx. Its current product has expanded from the earlier model, which required assets to be transferred into a card account, to support self-custodial spending. After completing KYC, users can create an account and apply for a digital or physical card, connecting supported assets through wallets such as Ledger and MetaMask. When a purchase occurs, the system converts the corresponding crypto assets into fiat and submits the transaction to the card network for merchant settlement. The US programme offers both Custodial Card and Non-Custodial Card. Under the former, Coinme holds the crypto assets in custody; under the latter, assets remain in the user's connected self-custodial wallet until they are spent. Cross River Bank provides the US fiat card account, while other current global legal documents continue to rely on UAB Monavate's electronic money account and card system.

Mastercard / 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

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

	CCrypto Life Card	CCrypto Life Custodial Card	CCrypto Life Non-Custodial Card
Card form	Virtual + physical card	Virtual + physical card	Virtual + physical card
Fees
Monthly fee	Free No monthly account maintenance fee	Free No monthly account maintenance fee	Free No monthly account maintenance fee
Card issuance fee	Free Delivery fee charged separately	Free Free first issuance	Free Free first issuance
ATM fee	2.5 EUR + 1.5% Domestic: 2.50 EUR; overseas: 3 EUR+1.5%	2.5 USD + 1.5% Domestic: 2.50 USD; overseas: 3 USD+1.5%; the ATM operator may charge an additional fee	2.5 USD + 1.5% Domestic: 2.50 USD; overseas: 3 USD+1.5%; the ATM operator may charge an additional fee
Foreign exchange fee	Free No surcharge on foreign-currency card payments	—	—
Top-up fee	—	Free Free ACH transfers	Free Free ACH transfers
Failed transaction fee	Free No fee for payment declines due to insufficient funds	—	—
Rewards
Cashback	—	—	—
Crypto cashback	1% 1% BTC/USDT; 2% BXX; excludes Cryptodraft spending	1% 1% BTC/USDT; 2% BXX; excludes Cryptodraft spending	1% 1% BTC/USDT; 2% BXX; excludes Cryptodraft spending
Staking rewards	—	—	—
Staking APR	5% 5%–25%, depending on a term of 3 to 12 months	5% 5%–25%, depending on a term of 3 to 12 months	5% 5%–25%, depending on a term of 3 to 12 months
Welcome bonus	—	—	—
Referral bonus	—	—	—
Limits
Daily spending limit	—	17,000 USD Maximum of 15,000 USD per transaction	17,000 USD Maximum of 15,000 USD per transaction
Monthly spending limit	—	—	—
ATM withdrawal limit	—	2,000 USD Same per-transaction limit of 2,000 USD	2,000 USD Same per-transaction limit of 2,000 USD
Card network

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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

SpainESUnited KingdomGBBulgariaBGSwitzerlandCHUnited StatesUSEstoniaEESwedenSECyprusCYLithuaniaLTCanadaCAHungaryHUSloveniaSIGreeceGRFinlandFIGermanyDEItalyITAustriaATBelgiumBERomaniaROPolandPLDenmarkDKPortugalPTIrelandIECroatiaHRNetherlandsNLCzechiaCZBrazilBRAustraliaAUSlovakiaSKLuxembourgLUMaltaMTFranceFRArgentinaARLatviaLV

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

161

BoliviaBOVietnamVNAfghanistanAFSudanSDAndorraADTanzaniaTZLebanonLBGeorgiaGETimor-LesteTLCongo - KinshasaCDIsraelILIndiaINSt. Kitts & NevisKNCentral African RepublicCFFijiFJSerbiaRSNauruNRSenegalSNOmanOMBelizeBZEgyptEGThailandTHCameroonCMNorth MacedoniaMKColombiaCONicaraguaNIUkraineUAMaliMLSurinameSREthiopiaETMauritaniaMRAntigua & BarbudaAGSouth AfricaZATuvaluTVNigeriaNGHaitiHTEritreaERMadagascarMGDjiboutiDJUnited Arab EmiratesAEParaguayPYBotswanaBWCosta RicaCRSão Tomé & PríncipeSTMongoliaMNYemenYEQatarQABhutanBTTunisiaTNTürkiyeTRSingaporeSGVatican CityVAGhanaGHTogoTGGambiaGMNamibiaNAGuineaGNTrinidad & TobagoTTHondurasHNNorwayNOEcuadorECAngolaAOZimbabweZWBangladeshBDLibyaLYLiberiaLRJamaicaJMMozambiqueMZEquatorial GuineaGQTurkmenistanTMDominicaDMPhilippinesPHLaosLABeninBJSt. Vincent & GrenadinesVCSri LankaLKSt. LuciaLCArmeniaAMMarshall IslandsMHRussiaRULiechtensteinLIGuyanaGYSolomon IslandsSBPanamaPACubaCUCambodiaKHMexicoMXGuatemalaGTSyriaSYLesothoLSNigerNEIraqIQKenyaKESaudi ArabiaSAMyanmar (Burma)MMMaldivesMVBurundiBITaiwanTWBelarusBYCôte d’IvoireCIChadTDVenezuelaVEEswatiniSZUzbekistanUZBosnia & HerzegovinaBAGabonGAZambiaZMMalaysiaMYSomaliaSOGuinea-BissauGWDominican RepublicDONew ZealandNZMoroccoMAPeruPEEl SalvadorSVComorosKMBahrainBHSeychellesSCMonacoMCSouth KoreaKRNorth KoreaKPNepalNPAzerbaijanAZIndonesiaIDMoldovaMDChinaCNBurkina FasoBFUgandaUGRwandaRWAlbaniaALKuwaitKWSierra LeoneSLChileCLMalawiMWSamoaWSBruneiBNGrenadaGDPalauPWTajikistanTJMontenegroMEVanuatuVUCape VerdeCVHong KongHKIcelandISBahamasBSBarbadosBBKazakhstanKZTongaTOUruguayUYAlgeriaDZPapua New GuineaPGPakistanPKSouth SudanSSMauritiusMUKiribatiKIKyrgyzstanKGJapanJPMacaoMOJordanJOSan MarinoSMIranIR

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents are within the current issuance region and must complete KYC using a valid residential address before obtaining the card.

2. United Kingdom：Can apply，Can use，UK residents are within the current issuance region and must complete KYC with a residential address in the United Kingdom.

3. Canada：Can apply，Can use，Canada is explicitly included in the current issuance regions, and residents must complete KYC and provide a Canadian residential address.

4. Australia：Can apply，Can use，Australia is explicitly included in the current issuance regions, allowing residents to obtain the card after KYC and residential-address verification.

5. South Africa：Cannot apply，Can use，South Africa is outside the current issuance regions, but a Crypto Life Card legally issued to an eligible resident can be used there for supported purchases.

6. New Zealand：Cannot apply，Can use，New Zealand is not included in the current issuance regions, while an eligible card issued in a supported country can still be used locally.

7. Ireland：Can apply，Can use，Ireland is covered by the EU issuance region, and residents can obtain the card after completing KYC and verifying an Irish residential address.

Updated: Sep 15, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Passport / Driver's license / Government-issued ID

Review time / regional limits

Automated identity verification takes about minutes; manual compliance review takes significantly longer.

KYC provider

Veriff

Updated

Aug 8, 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 8, 2026

Wallet payments

Alipay

Supported

Aug 8, 2026

Wallet payments

Apple Pay

Supported

Aug 8, 2026

Cash services

ATM withdrawal

Supported

Aug 8, 2026

AI tools

ChatGPT

Supported

Aug 8, 2026

AI tools

Claude

Supported

Aug 8, 2026

Wallet payments

Google Pay

Supported

Aug 8, 2026

AI tools

Midjourney

Supported

Aug 8, 2026

In-person payments

Offline POS

Supported

Aug 8, 2026

Online shopping

Supported

Aug 8, 2026

Wallet payments

PayPal

Supported

Aug 8, 2026

Subscriptions

Subscription payment

Supported

Aug 8, 2026

Wallet payments

WeChat Pay

Supported

Aug 8, 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

Showing 4 approved reviews matched to this card

Newest first

Makelaarij Nederlandtrustpilot★ 5 / 5May 30, 2024

Super Wallet with Debitcard and…

Super Wallet with Debitcard and Cashbacks ect. Works realy great use it many time and paying with my debit card goes everywhere very smoothly, iam now my own bank and always have my card and weblogin in my head with me! I recommend it to everyone just go to withcl.com and make you account with smooth KYC and AML and topup your saldo and get a free card.

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Davetrustpilot★ 5 / 5Nov 8, 2023

Works perfect with Ledger

I’ve been paying with the CL card for 2 weeks now, and everything seems to be working fine. Despite the 1-star reviews, I started with lower payments of €1-2, and all of these went through successfully. I then began making higher payments, which also processed without any issues. I should note that I’m using USDT as my cryptocurrency of choice. I haven’t tried using ETH or BTC, as they aren’t stable enough for my liking. Additionally, putting money on the card is very easy with Ledger.

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Moontrustpilot★ 5 / 5Jun 23, 2023

Ease of Use

Easy deposits to the card, and can freely spend on stores, online, merchants etc. So far no issues with them, the only thing would be the Support Team, they can take a few hours to respond so I recommend sending a mail rather than starting a chat.

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Emmanuel Dixneuftrustpilot★ 1 / 5Dec 20, 2022

It's a disaster with them I have a…

It's a disaster with them I have a problem with them since December 9 I have 2 card prints of 130 Euros each for a debit of 260 Euros I'm still waiting for the return of my 225 Euros on my card. On these 260 Euros prints only 35 Euros were spent at the gas station after several reminders that it is them or the support of the card it happens nothing everyone does not care to say nice to have a hole of 225 Euros at the time or have to make the gifts in short absolutely avoid I don't recommend this card, it's the first time they haven't given me back my card prints

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Risk factors

Updated: Jul 26, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Crypto Life Card require KYC?

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

Does Crypto Life Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Crypto Life Card with?

Our record lists Crypto Life Card support for: USDT, USDC, BTC, ETH, SOL, XRP, and LTC.

Is Crypto Life Card a virtual or a physical card?

Crypto Life Card is offered as: Virtual + physical card.

Where is Crypto Life Card available?

Our record lists 34 countries or regions as available and 161 as restricted. Country-by-country status is in the regions section of this page.

Who issues Crypto Life Card?

Crypto Life Card is operated by Baanx (CL Card / Crypto Life) on the Mastercard / Visa network.