BENPAY Card Web3 On-Chain Yield Card
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $9.9 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | $10,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $9.9+1/MO |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 0.5% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $300,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $9.9 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | 1% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $100,000 |
Alpha pays 1.5% on all cross-border transactions. Sigma pays a flat 0.5 U per cross-border transaction. Delta pays 1%. These fees apply when spending in a currency different from the card's USD denomination.
Delta card has "Disapproval" for withdrawal/crypto conversion, meaning you CANNOT convert card balance back to crypto or withdraw to external wallets.
Alpha and Sigma both allow crypto withdrawal/conversion at 1% fee.
THE REAL STORY ON THIS CARD.
- Self-custodial wallet with full user control over funds
- Backed by US FinCEN MSB registration for regulatory compliance
- Smart contracts audited by SlowMist
- Multi-chain support across 10+ major blockchains
- On-chain yield earning (3%+ APY) while holding balance
- Wide payment method support (Apple Pay, Google Pay, Alipay, WeChat Pay)
- Alpha tier has 0% top-up fee and annual fee
- All tiers require 9.9U issuance fee (no free tier)
- Physical card and ATM withdrawals not yet available
- Delta card cannot withdraw/conver to crypto (funds locked for spending only)
- Card security deposit required (amount not publicly disclosed)
- Sigma tier monthly fee of $1/month from 2nd month
- Country blacklists vary by tier, need to check eligibility per tier
- No IBAN/SWIFT support for fiat banking
- Referral commissions currently suspended
- No cashback or rewards program across any tier
GENERAL QUESTIONS.
1、Visit the official payment card application portal
2、After paying the card opening fee, complete KYC verification with valid identification (supports passport/ID card verification).
Currently, users can apply for virtual Alpha, Sigma, Delta, Delta. Physical cards are coming soon.
Each card has an issuance fee of 9.9 BUSD.
The settlement currency is USD.
