Available regions
Applications or normal card activation are supported
No Open Regions
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
C
Cypher Card
Updated: Aug 2, 2026
The Cypher Card is a multichain crypto asset Visa card introduced by CypherD Wallet Inc. It previously offered virtual cards, PVC physical cards, and metal cards. Users could convert supported assets such as USDC, ETH, and SOL from a self-custodial wallet and top up a separate card balance for online shopping, in-store purchases, mobile wallets, and ATM withdrawals. Cypher has been acquired by Nium, and the platform is now being shut down. New applications, card issuance, and top-ups have ended, and all existing cards will stop working on August 7, 2026.
Official and company information
Issuer identity and company credentials
Cypher is a Web3-native crypto neobank and spending card platform. It focuses on simplifying the use of crypto assets in the real economy, offering non-custodial prepaid spending cards with multi-chain asset support and without cumbersome traditional bank KYC for global users.
Core business and product features
True non-custodial asset control:
Cypher uses a leading hybrid non-custodial design. Users' crypto assets do not need to be transferred to a centralized exchange in advance; they remain in self-custody wallets throughout. Only at the moment of actual card spending does the system flash-convert fiat via smart contracts and complete settlement, ensuring absolute control and privacy of assets.
Multi-chain support
The platform natively supports over 15 major blockchain ecosystems including Ethereum, Solana, Base, Cosmos, Tron, and more than 500 crypto assets. Users can directly load card balances with various tokens without manual conversion via cross-chain bridges (No bridging required).
Seamless access to 150 million merchants globally (Visa payment network):
Cypher deeply integrates with the Visa payment network, supporting use at over 150 million online and offline merchants in more than 150 countries. Virtual cards supporting Apple Pay and Google Pay are generated within seconds of card issuance, and physical plastic cards and exclusive Black Metal premium metal cards are also available, supporting global ATM withdrawals of local fiat.
All-scenario spending rewards and custom risk control
Cardholders receive real-time spending rewards in the platform's native token $CYPR with no threshold. Additionally, the app includes a highly flexible and user-friendly risk control mechanism: users can adjust daily spending limits between $5 and $500,000 in seconds by sliding a slider in the app.
- Company / issuer
- Cypher
- Legal name
- CypherD, Inc.
- Registered region
- United States (US)
- Headquarters
- Original美国华盛顿州贝尔维尤
- Company type
- Private company
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Cypher Card connects a non-custodial crypto wallet to a Visa payment account. Users retain their private keys in the wallet and convert supported assets into USD and load them into the card account when they need to spend. Once loaded, the card debits the USD balance like an ordinary Visa card. US legal documents define the local program as a credit card backed by crypto asset collateral with a 0% annual percentage rate. For users outside the United States, Cypher Spend Card combines a card limit with user repayment or liquidation of collateral. The product previously offered a free first virtual card, a PVC physical card, and a Premium metal card, along with spending-limit controls, country allowlists, card freezing, mobile wallets, and cash withdrawals. Since July 8, 2026, top-ups, new applications, and card issuance have been closed. Existing users may only spend or withdraw their balances before the final deadline.
Visa card experienceRegional availabilityTerms may change
Notice: Cypher Card stopped accepting new applications, issuing new cards and allowing card top-ups on 2026/07/08. Existing virtual cards and physical cards may be used until 2026/08/07. Users should withdraw card balances, handle refunds, export transaction records and back up wallet private keys by 2026/09/06. The platform, mobile application, business card service and CYPR ecosystem will formally close on 2026/09/06.
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
C Cypher Virtual Card | C Cypher Standard Plastic Card (PVC) | C Cypher Premium Metal Card | |
|---|---|---|---|
| Card form | Virtual card | Physical card | Metal card |
| Fees | |||
| Monthly fee | Free Standard card has no monthly fee. | Free Standard plan has no monthly fee. | — |
| Card issuance fee | 10 USD First card free, additional cards $10 USD; creation of new cards currently suspended. | 50 USD First card $50, additional cards $70, fees include card production and delivery. | 199 USD Includes the first card; additional cards 139 USD. Premium is no longer sold. |
| ATM fee | — | 4% Up to 4%; ATM operators may charge additional fees. | 4% Up to 4%; ATM operators may charge additional fees. |
| Foreign exchange fee | 3% Applies to non-USD and cross-border transactions, up to 3%; cross-border up to an additional 3%. | 3% Up to 3%, cross-border transactions up to an additional 3%; applies to non-USD and cross-border transactions. | 3% Up to 3%; Premium enjoys a lower rate; the exact rate is shown in the account. |
| Top-up fee | 1% Up to 1%; card top-ups currently closed. | 1% Up to 1%; card top-ups currently closed. | 0.5% 0%–0.5%; USDC fees are calculated based on the network. |
| Failed transaction fee | — | — | — |
| Rewards | |||
| Cashback | — | — | — |
| Crypto cashback | Free CYPR rewards have been discontinued. | Free CYPR rewards have been discontinued. | 0 The final rewards period has ended. |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | — | — | — |
| Referral bonus | — | — | — |
| Limits | |||
| Daily spending limit | 10,000 USD Default limit for standard plan. | 10,000 USD Default limit for standard plan. | 20,000 USD Premium original default limit. |
| Monthly spending limit | 30,000 USD Calculated cumulatively by calendar month | 30,000 USD Calculated cumulatively by calendar month | 60,000 USD The original limit can be increased upon request. |
| ATM withdrawal limit | — | 2,000 USD Maximum three withdrawals per day, plus a monthly limit of $10,000. | 2,000 USD Up to three withdrawals per day; also a monthly limit of 10,000 USD. |
| 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.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：原本已被列为不支持地区，现全球停止新申请；境外已持卡仅可在Visa国际商户使用至2026年8月7日，此后全部失效。
2、香港：原本已被官方列为不支持地区，现亦无法申请；境外已持卡仅可在Visa商户使用至2026年8月7日，届时统一注销。
3、澳门：未取得明确的历史发行资格，现新卡申请已经关闭；境外已持卡可受限消费至2026年8月7日，此后卡片及钱包支付失效。
4、台湾：没有历史开卡证据，现全球停止新卡发行；境外已持卡可受限使用至2026年8月7日，之后所有卡片统一注销。
Updated: Aug 2, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
National ID card / Passport / Driver's license
Review time / regional limits
Can pass instantly if documents are fully consistent; discrepancies trigger manual review, with a maximum of about 48 hours.
KYC provider
Persona, Sumsub
Updated
Aug 2, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported8
Not supported4
UpdatedAug 2, 2026
Wallet payments
Alipay
Not supported
Aug 2, 2026
Wallet payments
Apple Pay
Not supported
Jul 20, 2026
Wallet payments
Apple Pay
Supported
Aug 2, 2026
AI tools
ChatGPT
Supported
Aug 2, 2026
AI tools
Claude
Supported
Aug 2, 2026
Wallet payments
Google Pay
Supported
Aug 2, 2026
AI tools
Midjourney
Supported
Aug 2, 2026
In-person payments
Offline POS
Supported
Aug 2, 2026
Online shopping
Online shopping
Supported
Aug 2, 2026
Wallet payments
PayPal
Not supported
Aug 2, 2026
Subscriptions
Subscription payment
Supported
Aug 2, 2026
Wallet payments
WeChat Pay
Not supported
Aug 2, 2026
User reviews
Showing 10 approved reviews matched to this card
Cypher: Crypto Wallet & Card Google Play review - 1 star
when you signe up it took a long time
View original Cypher: Crypto Wallet & Card Google Play review - 1 star
Look, I am not so happy, why can't I unlock my tokens to move them from the platform since it randomly shutting down. also it appears some of my tokens are missing, I cant get them off the platform if I can't unlock them, this is bad, just lose money. I need help on how to get my tokens unlocked. I can use a statement now
View original Cypher: Crypto Wallet & Card Google Play review - 1 star
i have found a critical bug in your app so tell me where to report those bugs and after reported can i get any reward same like other crypto platform rewarding to reported bugs or not let me know by a reply fastly. then I will report those bugs with proof videos.
View original Cypher: Crypto Wallet & Card Google Play review - 1 star
from 5 stars to 0 star. I understand you are winding down but why can't see my cards and my balances anymore in my account?
View original Cypher: Crypto Wallet & Card Google Play review - 1 star
Cards are not loading.
View original Cypher: Crypto Wallet & Card Google Play review - 1 star
Am very regretful ever encouraging this app which you can spend forever waiting for it to open when you click the app, i didn't have intention of giving them even zero star but by default they have forced me to click on one star. It's exactly delayed as the app keeps telling to hold on in no expiration time.
Official reply
View original We regret the inconvenience you had to face. For better assistance please share your information with support@cypherd.io. We will be happy to assist you.
Cypher: Crypto Wallet & Card Google Play review - 1 star
The app is buggy. I must warn you if someone asks you to download the app add funds then go to options, browser and put ethgrow.io in to farm it is a scam. ive lost 32k..
Official reply
View original Hi, we're sorry to hear that. We suggest that you do not connect your wallet to any un-authorized websites, as this may lead to loss of funds.
If you need any assistance, please contact us at support@cypherd.io.
Cypher: Crypto Wallet & Card Google Play review - 1 star
Horrible customer services I lost 506.98 usdc and I been asking for help to withdraw or transfer the money back to my personal wallet and they Mute me and block me. That was the only money I had to growth and just like that they stole my money. I advise you to not put your money here if you dont want to loose it all.
Official reply
View original Hi, we're sorry to hear that and we would love to take a look at the issue. Please reach out to our customer support team at support@cypherd.io.
Cypher: Crypto Wallet & Card Google Play review - 3 star
crashes
Official reply
View original Hi, we are sorry that you're having issues with the app. Can you write to us at support@cypherd.io. Kindly include a description of the issue you are facing, your Android version, and your app version. We will investigate immediately & solve the issue.
Cypher: Crypto Wallet & Card Google Play review - 1 star
no response from support and can't verify my kyc since 3 days
Official reply
View original Hi, we'd love to help you. Please write to support@cypherd.io and our team will help resolve your issue quickly.
Risk factors
Updated: Jul 20, 2026
No risk factors are available