The Sovrae Card is a Visa/Mastercard debit card with a $0 (one-time $89 virtual / $349 physical) fee, available in Global (excl. sanctioned countries). KYC is optional.
Sovrae sells prepaid Visa and Mastercard products, marketed as no-KYC and funded by stablecoin deposits. Its terms of service name DMUT PTE. LTD., a Singapore company (UEN 202518924R), as the operating entity, place the agreement under Hong Kong law, and name DCS, Interlace or Fiat24 as the third-party card service providers that issue the cards. Sovrae publishes no payment licence or regulator registration of its own, and distributes primarily through a multi-level referral programme.
The Sovrae Card is a crypto debit card offered by Sovrae, available in Global (excl. sanctioned countries). The annual fee starts at $0 (one-time $89 virtual / $349 physical).
Best suited for users who prefer minimal identity verification. It runs on the Visa/Mastercard network with optional identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Base | 0% | No cashback or rewards programme exists |
On $500/mo spend, the estimated monthly cost breakdown for Sovrae Card is: gas $3.00, conversion spread $7.50, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 2.1% of spend. After $0.00/mo cashback that is still a net cost of about $10.50/mo ($126.00/yr). Because Sovrae Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $60.00/mo in gas versus $3.00/mo for a single monthly load, so total drag runs 13.5% with daily reloads versus 2.1% with a monthly reload. Figures are conservative estimates and vary with conditions.
Note: Prepaid Visa and Mastercard sold as a one-time purchase rather than a subscription: $89 for a virtual card valid 3 years, $349 for a physical card valid 4 years, with no monthly or annual fee. Funded only by USDT or USDC on BEP-20, ERC-20 or TRC-20, with no fiat rails. Top-ups cost 2% on the virtual card and 1.5% on the physical. Sovrae states that every transaction also carries a foreign exchange fee and a transaction fee, but publishes no rate for either, saying only that the amounts appear in the app before you commit. No cashback or rewards programme. Published limits (sovrae.io, read 2026-10-18) are $80,000 per transaction and $1M daily on both cards, with ATM access on the physical card only at $3,750 daily and $80,000 monthly; no monthly spending limit is stated. The marketing site states that no verification is ever needed because cards are pre-verified upon purchase, but the terms of service say the opposite: the cardholder acknowledges that Sovrae is required to request, obtain, verify and continually monitor customer information, may demand proof of client identification and address and evidence of source of funds, and may route the cardholder through know-your-customer checks run by the service providers or third-party KYC vendors, with failure to supply what is asked treated as a default. The no-KYC promise is therefore a description of the purchase flow, not a contractual limit on what can be demanded later: Sovrae reserves the right to require identity, address and source-of-funds evidence, so we classify it low-KYC rather than no-KYC. Apple Pay and Google Pay are listed for both cards. The operating entity named in the terms of service is DMUT PTE. LTD. (Singapore, UEN 202518924R), while the agreement is governed by Hong Kong law and states the card is categorised as a credit card under Hong Kong laws and regulations, contradicting the prepaid framing used on the marketing site. No issuing bank is named; the terms say cards are issued by one of three card service providers, DCS, Interlace or Fiat24. VERIFICATION GAP (2026-08-31): every fee, limit and availability figure here comes from Sovrae's own marketing site and terms of service. No independent review, regulator record or user-reported evidence corroborates that cards are delivered and function as described.
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The Sovrae Card is a crypto debit card offered by Sovrae. It is available in Global (excl. sanctioned countries) and allows users to spend cryptocurrency at merchants worldwide.
The Sovrae Card has an annual fee of $0 (one-time $89 virtual / $349 physical). Additional fees: FX fee: Disclosed only as a foreign exchange fee shown in-app before each transaction; no rate published; Top-up: 2% (virtual), 1.5% (physical).
The Sovrae Card has the following limits: daily spending limit: $1M ($80,000 per transaction); daily ATM withdrawal limit: $3,750 (physical card only; $80,000 monthly). Limits can vary by account tier and verification level.
Supported assets include USDT, USDC; top-up methods include On-chain USDT or USDC transfer; crypto deposits are supported on BNB Chain, Ethereum, Tron.
KYC is optional for the Sovrae Card. Basic features work without identity verification, but verifying usually unlocks higher spending limits.
The Sovrae Card is available in Global (excl. sanctioned countries).
The Sovrae Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Sovrae Card supports Apple Pay and Google Pay for contactless payments.
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