The Zypto Card earns ZYP token rewards cashback on a Visa/Mastercard debit card with a $0/mo, $0.30/tx fee, available in Global.
Zypto is a crypto payments and wallet company headquartered in Łódź, Poland (registered as Zypto Sp. z o.o.), led by co-founder and CEO John Nasr alongside co-founder and COO Joe Parkin. The product set originated as the FCFPay payment gateway in August 2021 and was rebranded to Zypto, expanding into a self-custodial multichain wallet app and reloadable crypto cards.
The Zypto Card is a crypto debit card offered by Zypto, available in Global. It offers ZYP token rewards cashback rewards on purchases. There is no annual fee to hold this card. It runs on the Visa/Mastercard network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| ZYP Token Rewards | 0% | ZYP token rewards on eligible app activity, rate not tracked in database |
On $500/mo spend, the estimated monthly cost breakdown for Zypto Card is: gas $0.00, conversion spread $15.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 3% of spend. After $0.00/mo cashback that is still a net cost of about $15.00/mo ($180.00/yr). Zypto Card 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 1.75% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: Reloadable Premium Visa Card, physical or virtual (accepted in 180+ countries), plus single-load Obsidian Mastercard ($10K limit) and other non-reloadable cards from third-party suppliers. ZYP rewards (1,000 ZYPs = $1) are earned on app activity and can be used to fund the Visa card. $0.30 per transaction fee (Zypto slashed Visa fees by 33% in late 2025/early 2026). MO, MS, TN excluded since March 2026. KuCoin Pay integration live across all Zypto products (87,000+ billers, 120+ countries). Chainlink CCIP bridging native in app. Card funded with BTC, ETH, BNB, SOL, TRX, DASH and 100+ tokens. Legacy 'Classic' physical card tier carries materially higher fees than Premium: $6 + 4.5% reload, $4 + 1% ATM, $12/mo maintenance (per official Zypto blog); documented fees here reflect the Premium/virtual cards. Zypto's Rewards Hub lists swaps, card spending, bill payments, gift cards and single-load card purchases as earning ZYPs, while its homepage lists swaps, card loads, bill pay and referrals; the reward rate depends on in-app levels and is not published. VERIFICATION GAP (2026-10-10): a $100 minimum load is not stated on the official pages read.
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The Zypto Card is a crypto debit card offered by Zypto. It is available in Global and allows users to spend cryptocurrency at merchants worldwide.
The Zypto Card offers ZYP token rewards cashback.
The Zypto Card has an annual fee of $0/mo, $0.30/tx. Additional fees: Conversion fee: 3% off-ramp (at load, not swipe); FX fee: 1.75%; ATM: 1% (Premium physical card only); Top-up: Card loads convert crypto at a 3% off-ramp fee, plus network gas; $0.30 per card transaction.
Yes. The Zypto Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Zypto Card is available in Global.
The Zypto Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Zypto 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, or compare cards side by side.