by Meru (R3MIT Solutions Inc.)
The MeruCard is a Visa debit card with no annual fee, available in LATAM.
Meru is a Latin America-focused dollar account app run by R3MIT Solutions Inc., a Florida company registered with FinCEN as a money services business. Balances are held as USD stablecoins in a self-custodial account, and the card is a US-issued Visa whose issuing bank Meru does not name.
The MeruCard is a crypto debit card offered by Meru (R3MIT Solutions Inc.), available in LATAM. 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.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our regional guides for the US and Latin America. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No standing cashback. A "Cashback MeruCard" campaign (7 Sep to 31 Oct 2026, while budget lasts) pays 1% at selected merchants (all merchants in Mexico, Brazil and Peru), 5% in Colombia, capped |
On $500/mo spend, the estimated monthly cost breakdown for MeruCard is: gas $0.00, conversion spread $5.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1% of spend. After $0.00/mo cashback that is still a net cost of about $5.00/mo ($60.00/yr). MeruCard tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in USD. Spending in another currency adds a 1.2% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: US-issued Visa (virtual and physical) spent from the Meru USD balance; the card cannot be loaded directly. FEES (getmeru.com/fees, "Última actualización: agosto 2026", read 2026-10-08): virtual card free, physical card 5 USD plus shipping by country, no maintenance fee; purchases in the US in USD 0%, outside the US in USD 1%, outside the US in other currencies 1.2%; ATM withdrawals 0 USD from Meru (operator fees may apply), $250 per withdrawal and 3 a day; stablecoin deposits 1% + 1 USD on Stellar, Polygon, Base, Arbitrum, Solana, Optimism and Monad (Tron 1% + 5 USDT, BSC 1% + 3 USDC, Ethereum 1% + 10 USDC). Purchase limit $10,000 a day. Disputes cost USD 30. Apple Pay and Google Wallet supported. KYC: valid ID plus facial verification. Card cannot be used for gambling, adult or dating sites or wallets such as Binance, Skrill and PayPal. VERIFICATION GAPS: no country list is published, so the region is recorded as LATAM; the issuing bank is not named.
Other crypto cards in the same region or category that may suit your spending profile:
The MeruCard is a crypto debit card offered by Meru (R3MIT Solutions Inc.). It is available in LATAM and allows users to spend cryptocurrency at merchants worldwide.
The MeruCard has an annual fee of $0. Additional fees: FX fee: 1.2% outside the US in non-USD currencies, 1% outside the US in USD; ATM: $0 from Meru (operator fees may apply); Top-up: 1% + $1 on most stablecoin networks.
The MeruCard has the following limits: daily spending limit: $10,000; daily ATM withdrawal limit: $750. Limits can vary by account tier and verification level.
Supported assets include USDC, USDT; top-up methods include Stablecoin deposit to the Meru balance; crypto deposits are supported on Stellar, Polygon, Base, Arbitrum, Solana, Optimism, Monad, Tron, BNB Chain, Ethereum.
Yes. The MeruCard requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The MeruCard is available in LATAM.
The MeruCard is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the MeruCard 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 MeruCard supports Apple Pay and Google Pay for contactless payments.
Visit Meru (R3MIT Solutions Inc.)
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