The BenPay Card is a Visa debit card with no annual fee, available in Global (200+ countries).
BenPay is a decentralized Web3 payment platform built on the BenFen blockchain, backed by a $10M investment from Bixin Ventures. It combines self-custodial card spending with DeFi yield, cross-chain bridge, and staking features in a single app.
The BenPay Card is a crypto debit card offered by BenPay (BenFen), available in Global (200+ countries). There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires full identity verification.
On $500/mo spend, the estimated monthly cost breakdown for BenPay Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that nets a gain of about $0.00/mo ($0.00/yr). BenPay Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback; value prop is self-custody + DeFi yield integration + zero fees |
Note: Self-custodial Web3 payment card — keys stay in BenPay Wallet, top-ups require on-chain authorization. Three tiers: Alpha (Apple/Google Pay, $200K limit), Sigma (Alipay/WeChat Pay, no limit), Delta (Apple/Google/Alipay). All tiers: $0 annual/monthly fee, 0% top-up fee, 0% FX. Multi-chain deposits: BenFen, ETH, BSC, Polygon, Optimism, Arbitrum, Avalanche, Base, Solana, Tron. Integrated DeFi Earn for on-chain yield. Card network assumed Visa based on Apple Pay/Google Pay global support — not officially confirmed by issuer.
Other crypto cards in the same region or category that may suit your spending profile:
The BenPay Card is a crypto debit card offered by BenPay (BenFen). It is available in Global (200+ countries) and allows users to spend cryptocurrency at merchants worldwide.
The BenPay Card has an annual fee of $0. Additional fees: Conversion fee: 0%; FX fee: 0%; Top-up: 0%.
The BenPay Card is available in Global (200+ countries). Its availability status is "Global (200+ countries, excludes OFAC-sanctioned nations)".
The BenPay Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the BenPay Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the BenPay Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.