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CCrypto Life Card logo

Crypto Life Card

Updated: Aug 8, 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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Confirmed unavailable on App Store
Card network
Mastercard / Visa
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
USDT / USDC / BTC / ETH / SOL / XRP / LTC
Last updated
Aug 8, 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.
Company / issuer
Baanx (CL Card / Crypto Life)
Legal name
Baanx.com Ltd
Registered region
United Kingdom (GB)
Headquarters
Original英国 剑桥
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.

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

Crypto Life Card
Crypto Life Custodial Card
Crypto Life Non-Custodial Card
Card formVirtual + physical cardVirtual + physical cardVirtual + 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
Drag horizontally to view other cards

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

34
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

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆:不可申请;其他支持地区合法取得的 Crypto Life Card 可在接受境外 Visa 或 Mastercard 的商户消费,也可绑定微信支付和支付宝用于支持国际卡的商户付款。

2、香港:不可申请;支持地区已持卡用户可在香港接受 Visa 或 Mastercard 的线上和线下商户消费,并可使用兼容的 Apple Pay 或 Google Pay 非接触付款。

3、澳门:不可申请;已由支持地区发行的卡片可在澳门接受相应 Visa 或 Mastercard 网络的商户消费,跨币种交易按照卡片对应地区的外汇及转换规则结算。

4、台湾:不可申请;支持地区已持卡用户可在台湾接受国际 Visa 或 Mastercard 的商户进行线上、线下及移动钱包消费。

Updated: Aug 8, 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

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

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

User reviews

Showing 4 approved reviews matched to this card

Newest first
Makelaarij Nederlandtrustpilot5 / 5

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.
View original
Davetrustpilot5 / 5

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.
View original
Moontrustpilot5 / 5

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.
View original
Emmanuel Dixneuftrustpilot1 / 5

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