ETHENA PAY CARD The Internet Money App
CARD FEATURE OVERVIEW. 
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 4% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT AVAILABLE |
| DAILY LIMIT | DYNAMIC |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | NOT DISCLOSED |
| CASHBACK | UP TO 4.5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT AVAILABLE |
| DAILY LIMIT | DYNAMIC |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | NOT DISCLOSED |
| CASHBACK | UP TO 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT AVAILABLE |
| DAILY LIMIT | DYNAMIC |
Despite the "no fees" headline, Late Payment Fee up to $40, Returned Payment Fee up to $29 apply, and third-party fees pass through: blockchain gas, Visa network assessments, merchant surcharges, and Moonpay/Iron on-ramp/off-ramp charges.
CASHBACK
The headline rates in your screenshots are exactly right: Standard: 4% Pro: 4.5% VIP: 5% But there is an important detail. They are not flat cashback rates for unlimited spending.
- STANDARD TIER
- PRO TIER
- VIP TIER
THE REAL STORY ON THIS CARD.
- Non-custodial
- Up to 6% p.a. total earn, paid daily in USDe, uncapped above the Boost Cap only earns base rate
- Up to 5% AVAX cashback
- 0% APR, 0% FX fee, 0% cross-border fee, spend at Visa's own exchange rate only
- Free peer-to-peer sends to other Ethena Pay users, no monthly/account/inactivity fees
- Virtual card in under a minute; Visa accepted at 130M+ merchants
- Apple Pay supported; social login (Apple/Google) + passkeys for security
- 49 countries live with more (USA/EU/UK/etc.) "coming soon
- Cashback paid in AVAX, dollar value not guaranteed
- Earn is a discretionary "Daily Boost" over a market-set $USDe base rate, not a guaranteed yield, not insured
- Boost requires at least one card transaction per calendar month, or you don't earn it
- Secured/collateral product
- No ATM withdrawals, no cash advances, no balance transfers
- Pro tier cost and VIP tier qualification not published
- Google Pay not yet available; EUR/YEN/BRL holdings still "coming soon"
GENERAL QUESTIONS.
No. Ethena Pay is a non-custodial money app. Your fiat IBAN is provided through licensed banking partners, and your assets sit in a self-custodial wallet that only you control — we never hold your money.
You do. Ethena Pay is non-custodial: the wallet keys are yours, secured by passkeys and biometrics on your device.
Yes. Withdraw to any external wallet or to a bank account at any time. There is nothing locked and no term to wait out.
Sending money to other Ethena Pay users is free, with no monthly account fees and none of the usual FX markups. Pro is available via subscription or referrals.
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