FAQS

TODEY is a crypto payments intelligence platform that helps users explore, compare, and understand crypto cards, agentic payments, QR payments, stablecoins, and the infrastructure powering them. It combines structured data, detailed profiles, comparison tools, and continuously updated insights to help both individuals and businesses make informed decisions.

No. TODEY does not issue cards or provide financial services. We only list, analyze, and compare available options.

Sometimes — yes.

Some card providers may offer referral or affiliate commissions when users click their links.

Sponsored listings are always clearly marked, and compensation or card filters does not influence our editorial opinions.

Using our referral link or code may unlock exclusive welcome bonuses, boosted rewards, extra cashback, or higher limits with lower fees. It doesn't cost you anything extra, only offers potential benefits, and helps the platform continue operating.

No. While we do our best to maintain real-time accuracy, card details such as cashback, fees, or limits can change at any time.

Always check the provider's official website before applying.

Only cards that match your selected filters are shown.

From there, results are ranked by the Smart Score Algorithm — a weighted system that evaluates key factors such as cashback type, FX fees, limits, bonuses, APR, supported blockchains, and extra perks.

If two cards score similarly, cashback strength, APR, and FX fees are used as secondary tiebreakers.

In Card Comparison, you pick 2 cards to see their features side by side.

In Card Finder, you apply filters across all cards to see the top results matching your specific criteria.

Card fees may include foreign exchange (FX) conversion spreads, ATM withdrawal charges, inactivity fees, recurring monthly service fees, and initial physical card issuance or shipping fees.

No. Cashback rates may fluctuate based on promotional campaigns, staking tier adjustments, merchant category exclusions, or issuer program updates.

The FX rate is the currency exchange rate applied when converting between currencies, including crypto-to-fiat conversions or international foreign payments. Spread margins can affect the total settlement cost of transactions.

APR (Annual Percentage Rate) reflects the annual cost applied to borrowing features — such as credit lines or overdrafts — or the annualized yield earned when crypto assets are deposited, depending on the card model.

Yes. Many card providers apply monthly reward caps, spending thresholds, or per-transaction limits on cashback accrual.

Rewards may be credited instantly at transaction authorization or following final merchant settlement, depending on issuer policy. Payouts can be distributed in USDC, ETH, BTC, or native ecosystem tokens.

A welcome bonus is a reward offered by some card providers when you sign up or meet a specific requirement (such as spending a minimum qualifying amount).

Examples include:

• Cashback boost for the first month
• Extra points or native platform tokens
• Reduced FX or service fees for a promotional period

Cashback rewards are a percentage of your spending that is returned to you in a specific form — often cryptocurrency, tokens, or in some cases fiat credits.

Rates may vary depending on:

• Your specific card tier
• Your staked token holdings
• Geographic region
• Promotions and merchant categories

Always verify the provider's current terms and conditions.

Both options connect to the same crypto balance or spending account provided by the card issuer.

A crypto-backed card allows you to spend using crypto assets without selling them directly upfront.

Depending on the provider, the card functions by:

• Converting crypto to fiat automatically at the exact moment of purchase, or
• Using deposited crypto as credit collateral

Each provider employs its own technical mechanism. TODEY does not control or process transactions.

Most crypto cards support ATM withdrawals, but specific conditions apply:

• Network and ATM operator fees may apply
• Daily and monthly withdrawal limits vary by tier
• Availability depends on your region and the card network (Visa / Mastercard)

Always review the provider's ATM policy before initiating cash withdrawals.

No. Each provider has its own regional restrictions based on financial regulations, card network partnerships, and regional licensing.

TODEY indicates general availability across listings, but you must confirm regional eligibility directly on the provider's official portal.

Some card programs require holding or staking native tokens to unlock premium rewards (such as boosted cashback, airport lounge access, or fee rebates).

Higher tiers generally provide superior benefits, but may carry:

• Fixed lock-up periods
• Minimum capital stake requirements
• Token volatility and market risk

TODEY structures and presents this data transparently; all financial decisions should be based on your personal risk assessment.

A NO-KYC crypto card allows you to start spending without completing full identity verification during sign-up.

This typically permits registration with minimal information — often just an email address — without submitting government ID documents or proof of address.

No. "No-KYC" denotes reduced or tiered verification, not complete anonymity. On-chain wallet activity, IP addresses, and merchant transactions may still leave identifiable digital traces.

Yes. Higher KYC verification tiers almost universally unlock higher spending capacities, increased ATM cash withdrawal limits, and elevated reward caps.

Financial licensing mandates, AML/CTF regulations, and card scheme agreements (Visa / Mastercard) determine strictly where cards can be issued and utilized.

Yes. Card issuers frequently expand into new markets, restrict specific jurisdictions, or sunset programs in response to evolving regulatory guidelines.

TODEY displays supported jurisdictions, geo-restrictions, and eligibility requirements directly on each card profile based on continuous verification of issuer disclosures.