Card database / Mastercard / Stablecoin payment card
Updated: Aug 1, 2026
Issuer identity and company credentials
Compare verified fee records across card forms and tiers
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R Ready Lite Basic Card | R Ready Metal Metal Card | |
|---|---|---|
| Card form | Virtual + physical card | Virtual + physical card |
| Fees | ||
| Monthly fee | — | Free No monthly plan fee |
| Card issuance fee | 120 USD Includes first-year plan fee | 6.99 USD Delivery fee |
| ATM fee | 2% Free up to $800 per month; 2% fee above that, minimum $1 | 1 USD + 2% Charged per withdrawal, minimum 1 USD |
| Foreign exchange fee | Free Uses official card network exchange rates | 1% Charged for non-USD transactions |
| Top-up fee | Free No top-up conversion fee | Free No card top-up fee |
| Failed transaction fee | — | — |
| Rewards | ||
| Cashback | 3% Up to 3% Ready Points, based on spend and bonuses | 0% Cashback is in Ready Points, rate as shown in app |
| Crypto cashback | — | — |
| Staking rewards | — | — |
| Staking APR | — | — |
| Welcome bonus | — | — |
| Referral bonus | 15 USD $15 each for both parties; referrer up to $32 | 5 USD Issued for new users spending $50 or more |
| Limits | ||
| Daily spending limit | 10,000 USD Combined per user | 10,000 USD Combined per user |
| Monthly spending limit | 30,000 USD Calculated on a rolling 30-day basis | 30,000 USD Calculated on a rolling 30-day basis |
| ATM withdrawal limit | 500 USD 500 USD per day, 2,500 USD per 30 days, plus annual cap of $30,000 | 500 USD 500 USD per day, 2,500 USD per 30 days, plus annual cap of $30,000 |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Application status based on public sources, official policy, and user reports. This is not application advice.
Applications or normal card activation are supported
Applications or features are unavailable or restricted
Evidence is insufficient
No records
The source text is retained below.
1、中国大陆：地址申请受限，无法通过常规手段完成 KYC 实名认证，该卡在检测到频繁的异地使用或IP环境异常时，会被迅速冻结；已持卡用户可在支持国际 Mastercard 的商户使用。
2、香港：不可申请，须通过当前国家选项、居住地址及身份审核；已持卡用户可在接受 Mastercard 的线上商户、实体商户及 ATM 使用。
3、澳门：不可申请，须通过当前国家选项、居住地址及身份审核；已持卡用户可在接受 Mastercard 的线上商户、实体商户及 ATM 使用。
4、台湾：不可申请，须通过当前国家选项、居住地址及身份审核；已持卡用户可在接受 Mastercard 的线上商户、实体商户及 ATM 使用。
Updated: Aug 1, 2026
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAug 1, 2026
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Wallet payments
Aug 1, 2026
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Online shopping
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Aug 1, 2026
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Aug 1, 2026
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Updated: Aug 1, 2026
No risk factors are available
