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Ready Card

Updated: Sep 16, 2026

Ready Card is a self-custodial USDC crypto debit card launched by Ready, formerly Argent. Users' assets remain in their own Starknet smart wallets. Payments are made in USDC, which the card system converts into the fiat currency required by the merchant at the time of the transaction, with online, offline and ATM payments completed through the Mastercard network. The card is currently aimed primarily at UK / EEA users. Card services for non-EEA users were abruptly discontinued in June 2026.
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Card network
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
60-69
Supported assets
USDCBTCETH
Last updated
Sep 16, 2026

Official and company information

Issuer identity and company credentials

Ready (ready.co) (formerly Argent) is a smart contract wallet positioned as an "onchain neobank," headquartered in London. It aims to combine the efficiency of cryptocurrency with the convenience of traditional banking through self-custody technology. 1. Core business and positioning Self-custodial identity: Unlike centralized exchanges (such as Coinbase or Binance), Ready is fully non-custodial. Users always hold their own private keys/asset control; the platform cannot freeze user assets, and even if the company disappears, assets can still be recovered through other wallets. Ready Card (payment card): This is one of its core products, allowing users to spend USDC in their wallet as "digital cash" directly. It supports global use and, through "session keys," only allows the card to spend specific amounts, isolating daily expenses from your main assets and enhancing security. BTCFi and financial services: Ready extends DeFi functionality, supporting Bitcoin staking, lending (borrowing USDC against BTC collateral for spending), and earning staking yields within the app.
Visit website Application page
Company / issuer
Ready
Legal name
Argent Labs Ltd
Registered region
United States (US)
Headquarters
London, United Kingdom
Company type
Program manager
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Ready Card connects to the user's Ready self-custody account on Starknet. After completing identity verification in the app, users can create a virtual card and order a plastic or metal card. When a purchase occurs, the system deducts USDC from the user's wallet and converts it through the Mastercard network into the merchant's local fiat currency. Funds remain in the user-controlled wallet until an actual payment is made, and users can revoke payment authorisation or freeze the card at any time. Ready Lite is intended for basic spending, while Ready Metal offers lower foreign exchange and ATM fees, higher points rewards, and additional benefits. The card supports Google Pay, chip and PIN, contactless payments, and ATM withdrawals, but Apple Pay has not yet officially launched.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

2026-09 · Project-wide data

Source unspecified

Spend (USD)

$0.00

No comparable previous month

Transactions

0

No comparable previous month

Last six complete calendar months

Spend (USD)
Monthly details
PeriodSpend (USD)Transactions
2026-04$7,122,278.2258,518
2026-05$5,574,142.8651,009
2026-06$3,220,702.8328,556
2026-07$988,046.826,897
2026-08$0.000
2026-09$0.000

Data source: Paymentscan ↗

Period: 2026-04 — 2026-09Last synchronized:

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

Ready Lite Card
Ready Metal Card
Card formVirtual + physical cardVirtual + 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
Drag horizontally to view other cards

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

31
EstoniaEEGreeceGRSpainESLatviaLVNorwayNOMaltaMTHungaryHUBulgariaBGUnited KingdomGBAustriaATPortugalPTCroatiaHRPolandPLNetherlandsNLGermanyDELithuaniaLTItalyITDenmarkDKSwedenSEIrelandIEFranceFRLiechtensteinLICyprusCYIcelandISRomaniaROSloveniaSIFinlandFIBelgiumBELuxembourgLUSlovakiaSKCzechiaCZ
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

164
Côte d’IvoireCISwitzerlandCHNepalNPSouth AfricaZAPanamaPACosta RicaCRChadTDEquatorial GuineaGQKuwaitKWBahrainBHUkraineUATurkmenistanTMGuatemalaGTChileCLBeninBJTogoTGTürkiyeTRMoroccoMAPakistanPKVanuatuVUGabonGAGrenadaGDVietnamVNJordanJOIranIRMaldivesMVAzerbaijanAZBosnia & HerzegovinaBAUruguayUYMalawiMWTunisiaTNAustraliaAUThailandTHKiribatiKIKenyaKESyriaSYSt. Vincent & GrenadinesVCBotswanaBWSt. Kitts & NevisKNUnited Arab EmiratesAESeychellesSCJapanJPMalaysiaMYQatarQAGambiaGMBhutanBTSamoaWSTongaTOComorosKMBarbadosBBTrinidad & TobagoTTPhilippinesPHMonacoMCEcuadorECCentral African RepublicCFLesothoLSEgyptEGBangladeshBDMaliMLSouth SudanSSSomaliaSOSt. LuciaLCCape VerdeCVBahamasBSAlbaniaALCubaCUNauruNRNew ZealandNZNamibiaNARwandaRWHaitiHTArgentinaARNorth MacedoniaMKZambiaZMPeruPERussiaRUDominican RepublicDOFijiFJGuyanaGYHondurasHNChinaCNBelarusBYSudanSDMadagascarMGCameroonCMMontenegroMEBurundiBIIsraelILSierra LeoneSLBruneiBNArmeniaAMSingaporeSGLiberiaLRCongo - BrazzavilleCGSenegalSNAngolaAOBurkina FasoBFTajikistanTJSurinameSRNorth KoreaKPKyrgyzstanKGCongo - KinshasaCDNigerNECambodiaKHSri LankaLKGuineaGNUzbekistanUZMongoliaMNSerbiaRSTuvaluTVNigeriaNGIndiaINAntigua & BarbudaAGZimbabweZWColombiaCOAlgeriaDZDjiboutiDJGeorgiaGESouth KoreaKRSão Tomé & PríncipeSTMauritiusMUMoldovaMDMacaoMOCanadaCAEswatiniSZEl SalvadorSVMarshall IslandsMHParaguayPYIraqIQHong KongHKAndorraADLebanonLBBoliviaBOSaudi ArabiaSAJamaicaJMMyanmar (Burma)MMBrazilBRBelizeBZKazakhstanKZPapua New GuineaPGSolomon IslandsSBVenezuelaVEDominicaDMMauritaniaMRYemenYEGuinea-BissauGWMexicoMXEthiopiaETOmanOMTanzaniaTZNicaraguaNISan MarinoSMLaosLALibyaLYEritreaERIndonesiaIDPalauPWGhanaGHUnited StatesUSVatican CityVAAfghanistanAFMozambiqueMZTimor-LesteTLUgandaUG
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Cannot use，The previous Ready Card program has been discontinued after its card issuer wound down, and the replacement Community Card program has not yet opened for public issuance.
2. United Kingdom：Cannot apply，Cannot use，The former Ready Card service has been shut down and existing cards stopped working; Ready has announced a replacement card program but has not yet reopened issuance.
3. Canada：Cannot apply，Cannot use，Ready’s previous card program is no longer operational and the new Base-based replacement card has not yet been opened for public applications.
4. Australia：Cannot apply，Cannot use，The previous Ready Card has been discontinued globally, while Ready’s replacement Community Card program remains pending launch.
5. South Africa：Cannot apply，Cannot use，Ready’s former card issuer stopped supporting the program and existing cards were deactivated; no replacement card is currently available for issuance.
6. New Zealand：Cannot apply，Cannot use，The former Ready Card program has ended and the announced replacement card program has not yet opened for applications.
7. Ireland：Cannot apply，Cannot use，Ireland was previously within Ready Card’s European coverage, but that program has been terminated and the replacement card has not yet launched for public issuance.

Updated: Sep 16, 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 / National ID / Driver's license / Utility bill / Bank or credit card statement / Government letter / Lease agreement / Insurance document

Review time / regional limits

Basic documents are verified automatically; address conflicts, high-value transactions, or compliance hits go to manual review.

KYC provider

Persona

Updated

Aug 1, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedAug 1, 2026

Wallet payments

Alipay

Supported

Aug 1, 2026

Wallet payments

Apple Pay

Not supported

Aug 1, 2026

Cash services

ATM withdrawal

Supported

Aug 1, 2026

AI tools

ChatGPT

Supported

Aug 1, 2026

AI tools

Claude

Supported

Aug 1, 2026

Wallet payments

Google Pay

Supported

Aug 1, 2026

AI tools

Midjourney

Supported

Aug 1, 2026

In-person payments

Offline POS

Supported

Aug 1, 2026

Online shopping

Online shopping

Supported

Aug 1, 2026

Wallet payments

PayPal

Supported

Aug 1, 2026

Subscriptions

Subscription payment

Supported

Aug 1, 2026

Wallet payments

WeChat Pay

Supported

Aug 1, 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 10 approved reviews matched to this card

Newest first
Aidanlog123app_store★ 1 / 5

DO NOT USE

You are unable to withdraw any type of crypto towards your bank or any other wallet. Do. Not. Use.
View original
Dablu Kumar Singhgoogle_play★ 5 / 5

Ready Card Google Play 评论 Google Play review - 5 star

good
View original
ALPER cangoogle_play★ 5 / 5

Ready Card Google Play 评论 Google Play review - 5 star

was great
View original
Rachel Bourgeoisgoogle_play★ 5 / 5

Ready: Crypto & Card Google Play review - 5 star

awesome. thanks to staff for helping me regain access to my acct.
View original
Ismail Balabantrustpilot★ 1 / 5

It is a financial/crypto company but…

It is a financial/crypto company but their services are not customer friendly services I tried to sing up for their services but it turned out to be painful process..It is so obvious that that they dont have efficent,proper customer-friendly nor accurate and adequate services;After having such bad experiences with their services, I find that this is not a decent organisation, they made so many restrictions which made the utilization of their service so difficult.. Avoid as much as possible..They dont offer integrated proper services at all!!
View original
Quetzal Co3google_play★ 1 / 5

Ready Card Google Play 评论 Google Play review - 1 star

this scam wallet don't allow me to withdraw my assets don't use this scam i don't receive sms code i contacted team instead of resolve of my problem they ask for KYC this is unsafest wallet i have ever seen after months i can't receive code to withdraw my money
View original
Emon Khangoogle_play★ 1 / 5

Ready: Crypto & Card Google Play review - 1 star

Usles
View original
Amed Zrikemgoogle_play★ 5 / 5

Ready Card Google Play 评论 Google Play review - 5 star

they just decided to cancel all my cards for a reason that has nothing to do with me or my account with a heads up of 1h not 24h not a few days. out of the blue stopped all cards and my funds are still stuck in the app with no clear way to transfer out my funds. extremely disappointed. update: thank you for the reply, I will change my review as soon as this is resolved. I was able to transfer out my funds, it was not too complicated.
View original
Robot Toaster Ovenapp_store★ 1 / 5

Why are you ripping me off

Why won’t you let me move my assets, why are you ignoring me!
View original
Tusher Deygoogle_play★ 5 / 5

Ready: Crypto & Card Google Play review - 5 star

Please make it available in Bangladesh. This is a very important app for our country. Thank you♥️
View original

Risk factors

Updated: Aug 1, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Ready Card require KYC?

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

Does Ready Card support Apple Pay and Google Pay?

Apple Pay: Not supported. Google Pay: Supported.

Which assets can I top up Ready Card with?

Our record lists Ready Card support for: USDC, BTC, and ETH.

Is Ready Card a virtual or a physical card?

Ready Card is offered as: Virtual + physical card.

Where is Ready Card available?

Our record lists 31 countries or regions as available and 164 as restricted. Country-by-country status is in the regions section of this page.

Who issues Ready Card?

Ready Card is operated by Ready on the Mastercard network.