The Raenest USD Visa Card is a Visa debit card with no annual fee, available in Africa (Nigeria/Ghana/Kenya/Uganda/Egypt/South Africa/Rwanda) and the Philippines.
Raenest, formerly Geegpay, is a Nigerian-founded fintech that gives African freelancers and remote workers USD, GBP and EUR accounts alongside a naira wallet and USDC/USDT stablecoin balances. Raenest Inc. is licensed by the Central Bank of Nigeria as an International Money Transfer Operator, and its US entity Raelic LLC is a registered Money Services Business.
The Raenest USD Visa Card is a crypto debit card offered by Raenest (formerly Geegpay), available in Africa (Nigeria/Ghana/Kenya/Uganda/Egypt/South Africa/Rwanda) and the Philippines. There is no annual fee to hold this card. It runs on the Visa network and requires full identity verification.
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Raenest USD Visa Card is offered in 8 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | No cashback rate is published; the card page mentions cashbacks only alongside Visa protections, with no rate or terms |
On $500/mo spend, the estimated monthly cost breakdown for Raenest USD Visa Card is: gas $0.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Raenest USD Visa 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.
Note: USD Visa card that spends directly from Raenest wallet balances, so there is no separate card funding step. Raenest's card page lists naira, USDT and USDC stablecoins, USD, GBP and EUR as funding sources, and Raenest's September 2026 stablecoin launch (reported by Nairametrics on 22 September 2026) lets users spend their USDC and USDT balances through the card. Raenest's own FAQ adds that stablecoins "are not features of the Rain-issued card but are independent offerings", so a stablecoin balance is most likely converted at the point of spend rather than settled natively. The card page says it is "issued by Rain, a Visa Principal Member"; it moved to Visa in August 2026, although the site footer still refers to Mastercard card services. FEES (help centre, 4 August 2026): $3 to create a virtual card, $0.70 on every successful card transaction, 2% + $0.40 Visa cross-border processing fee on non-US websites or non-USD currencies, no card funding fee, and a $0.40 fee on declined transactions (regional guide, 7 September 2026). LIMITS: up to $20,000 a day and $60,000 a month depending on KYC level, and at most 50 transactions a day and 200 a month; one active virtual card per user. Payments involving Cuba, Iran, North Korea, Russia, Syria, Ukraine and Venezuela are blocked. VERIFICATION GAPS: the help centre describes only the virtual card while the card page FAQ mentions delivering a physical card, no ATM terms are published, and the bank behind Rain is not named.
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The Raenest USD Visa Card is a crypto debit card offered by Raenest (formerly Geegpay). It is available in Africa (Nigeria/Ghana/Kenya/Uganda/Egypt/South Africa/Rwanda) and the Philippines and allows users to spend cryptocurrency at merchants worldwide.
The Raenest USD Visa Card has an annual fee of $0. Additional fees: Conversion fee: $0.70 per successful card transaction; FX fee: 2% + $0.40 Visa cross-border fee on non-USD or non-US merchants; Top-up: No card funding fee.
The Raenest USD Visa Card has the following limits: daily spending limit: $20,000; monthly spending limit: $60,000. Limits can vary by account tier and verification level.
Supported assets include USDT, USDC; top-up methods include Spends directly from USD, GBP, EUR, NGN and stablecoin wallet balances.
Yes. The Raenest USD Visa Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Raenest USD Visa Card is available in Nigeria, Ghana, Kenya, Uganda, Egypt, South Africa, Rwanda, Philippines, according to the provider's published list.
The Raenest USD Visa Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Visit Raenest (formerly Geegpay)
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.