The Morse Card is a Visa debit card with no annual fee, available in US/LATAM (16 countries).
Morse is a stablecoin money app from Avian Labs, Inc., registered as a US money services business (Avian Labs USA, Inc., NMLS 2639252) and authorised as a MiCA crypto-asset service provider by the Dutch AFM. Its card is a prepaid Visa issued by Lead Bank with Bridge Ventures LLC as programme manager.
The Morse Card is a crypto debit card offered by Morse (Avian Labs, Inc.), available in US/LATAM (16 countries). There is no annual fee to hold this card.
Note that the card is virtual only. 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.
Morse Card is offered in 16 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback programme is published on any Morse page |
On $500/mo spend, the estimated monthly cost breakdown for Morse Card is: gas $0.00, conversion spread $0.00, flat transaction 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). Because Morse Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.02/mo in gas versus $0.00/mo for a single monthly load, so total drag runs 0% with daily reloads versus 0% with a monthly reload. Figures are conservative estimates and vary with conditions.
Note: Virtual prepaid Visa spent from a USDC balance in a self-custodial Morse wallet; BTC, ETH and other supported tokens sent in are converted to USDC (networks include Solana, Bitcoin, Ethereum, Base, Arbitrum, Polygon and Tron; stablecoins on Solana move free). FEES (morsemoney.com/fees and card page, read 2026-10-08): card payments free, real exchange rate with "zero foreign transaction or conversion fees", no issuance or annual fee listed; adding money from other accounts is free in local currency and $0.50 otherwise, with 4% on ZMW and RWF deposits. Virtual only, and no ATM withdrawals. Limits: $2,000 a day for the first 30 days, then $5,000 a day, and $500 a week at money-transfer services. Apple Pay and Google Pay supported. KYC: a verified ID from an eligible country.
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The Morse Card is a crypto debit card offered by Morse (Avian Labs, Inc.). It is available in US/LATAM (16 countries) and allows users to spend cryptocurrency at merchants worldwide.
The Morse Card has an annual fee of $0. Additional fees: Conversion fee: 0%; FX fee: 0% (real exchange rate, no markup); ATM: Not supported; Top-up: Free in local currency, $0.50 otherwise.
The Morse Card has the following limits: daily spending limit: $5,000. Limits can vary by account tier and verification level.
Supported assets include USDC, BTC, ETH; top-up methods include Crypto deposit converted to USDC, Local-currency bank transfer; crypto deposits are supported on Solana, Bitcoin, Ethereum, Base, Arbitrum, Polygon, Tron.
Yes. The Morse Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Morse Card is available in Argentina, Bolivia, Brazil, Colombia, Costa Rica, Dominican Republic, Ecuador, El Salvador, Guatemala, Honduras, Mexico, Panama, Paraguay, Peru, United States, Uruguay, according to the provider's published list.
The Morse Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Morse Card supports Apple Pay and Google Pay for contactless payments.
The Morse Card is issued by Lead Bank.
Visit Morse (Avian Labs, Inc.)
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