FAQ
Questions, answered
Everything about the waitlist, the card, rewards, the wallet, fees, and eligibility.
Waitlist
You leave your email and state. We open access state by state and email you when it’s your turn.
We can’t promise a date. We invite people as their state opens, roughly in join order.
Your email and state. After you’re invited, you’ll verify your identity with a government ID.
No. Joining the waitlist is free.
Waitlist
You leave your email and state. We open access state by state and email you when it’s your turn.
We can’t promise a date. We invite people as their state opens, roughly in join order.
Your email and state. After you’re invited, you’ll verify your identity with a government ID.
No. Joining the waitlist is free.
Card
Your virtual card is ready right after approval. A physical card ships separately and usually arrives in 7–10 business days.
Usually within 7–10 business days of ordering it in the app.
Yes, as soon as your card is approved.
Freeze it instantly from the app, then order a replacement.
Card
Your virtual card is ready right after approval. A physical card ships separately and usually arrives in 7–10 business days.
Usually within 7–10 business days of ordering it in the app.
Yes, as soon as your card is approved.
Freeze it instantly from the app, then order a replacement.
Rewards
We apply your plan’s rate to each eligible purchase when it settles.
We total rewards monthly and pay them in USDC, usually within 5 business days.
ATM withdrawals, transfers, gift cards, and cash-equivalent purchases.
Yes. Plus earns up to 3% on the first $3,000/mo, then 1%. Metal earns up to 5% on the first $5,000/mo, then 1%.
Rewards
We apply your plan’s rate to each eligible purchase when it settles.
We total rewards monthly and pay them in USDC, usually within 5 business days.
ATM withdrawals, transfers, gift cards, and cash-equivalent purchases.
Yes. Plus earns up to 3% on the first $3,000/mo, then 1%. Metal earns up to 5% on the first $5,000/mo, then 1%.
Wallet and security
Your crypto stays in your wallet until you spend it. We can’t move funds without your approval.
Your key is split with MPC into three shares — your phone, our server and your encrypted backup — so no single party, including us, can move your funds.
Verify it’s you and restore from your backup. Same wallet, same balance.
We see balances and transactions to run your card. We never hold your full private key.
Wallet & Security
Your crypto stays in your wallet until you spend it. We can’t move funds without your approval.
Your key is split with MPC into three shares — your phone, our server and your encrypted backup — so no single party, including us, can move your funds.
Verify it’s you and restore from your backup. Same wallet, same balance.
We see balances and transactions to run your card. We never hold your full private key.
Fees and limits
Free is $0. Plus is $9.99/mo or $99/yr. Metal is $499/yr.
1% on Free, 0% on Plus and Metal.
Yes. It’s the blockchain’s own fee, not ours, and it varies by network.
$5,000/day by default, up to $15,000/day on approved request. ATM limits vary by plan.
Fees & Limits
Free is $0. Plus is $9.99/mo or $99/yr. Metal is $499/yr.
1% on Free, 0% on Plus and Metal.
Yes. It’s the blockchain’s own fee, not ours, and it varies by network.
$5,000/day by default, up to $15,000/day on approved request. ATM limits vary by plan.
Eligibility
U.S. residents 18 or older.
Most U.S. states at launch — see the full list on Disclosures.
Yes, you must be 18 or older.
After you’re invited. It’s required by law.
Eligibility
U.S. residents 18 or older.
Most U.S. states at launch — see the full list on Disclosures.
Yes, you must be 18 or older.
After you’re invited. It’s required by law.
Still have questions