RIPIO CARD Crypto as a service
CARD FEATURE OVERVIEW. 
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 2% |
| NEED KYC | YES |
| FX FEE | UP TO 5% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | 300,000 BRL |
- Cashback cap in Brazil: R$500/month. At 2% crypto cashback, this maxes out at R$25,000 in monthly spend, anything beyond earns zero.
THE REAL STORY ON THIS CARD.
- 0% FX on domestic ARS/BRL
- No maintenance or annual fees; first physical card delivered free
- Broad cryptocurrency support including any crypto available on Ripio
- Local payment rail integration (CVU for Argentina, PIX for Brazil)
- SOC 2 Type II certified with EY/KPMG audits
- Cashback paid in BTC, ETH, or USDT at user's choice
- Apple Pay and Google Wallet supported
- Free physical card delivery (up to 7 business days BR)
- Operating since 2013, established LATAM crypto infrastructure
- LaChain and local stablecoins (wARS, wBRL) for regional spend without FX
- Restricted to Argentina and Brazil only
- 5% FX on foreign currency
- 0.5% crypto sale commission on every card purchase funded by crypto
- Custodial wallet
- Cashback capped at R$500/month (BR); AR cap undisclosed
- 2 chargebacks = automatic card block (BR)
- Account terminated after 3 months inactive with zero balance (BR)
- No IBAN/SWIFT
- Crypto exchange rate for card purchases is Ripio's platform rate, not market-best
GENERAL QUESTIONS.
At Ripio, we have two types of cards: virtual and physical. Both can be ordered from the “Ripio Card” section, you just have to read and accept the terms and conditions. While waiting for the physical one, you can enjoy the virtual one.
Ripio Card is a prepaid card. This means that when you use it, the amounts are immediately consumed from the balance you have in the wallet. In other words, it is necessary to have previously selected pesos or cryptocurrencies with available balance in order to make payments.
Paying with any crypto with your Ripio Card you will receive 2% in USDT, BTC or ETH, and paying with ARS you will receive 0.5% cashback. If you are a new card user, for 30 days you will receive 4% paying with crypto and 1% paying with ARS.
To pay for your purchases with the Ripio Card using bitcoin or Ethereum, you have to buy one of these coins and then select it from the card section, so your purchase will not be rejected.
