BenPay Card Delta
A plan byBenPay Card · Visa/Mastercard
BenPay Card is a non-custodial crypto card: funds stay in the user's self-custodial wallet (private keys on-device) and only the amount to be spent is moved to the card. It is spendable on Visa/Mastercard rails, funded with USDT/USDC and settled in USD. The company is a U.S.-registered fintech holding a FinCEN MSB license (Reg. No. 31000260888727). There are three tiers (Alpha, Sigma, Delta): card issuance is listed at about 9.9 (in stablecoin, original value in USD/BUSD, reported here as the amount in the EUR field), the FX markup varies by tier (1.5% Alpha, 1% Delta, 0.5% Sigma) and Sigma carries a roughly $1 monthly fee. There is no cashback (0%) and no ATM withdrawals. NOTE: the card is currently virtual-only (physical "coming soon"); independent sources (todey.xyz) mark the issuer as "unverified".
Delta
- FX markup
- 1%
- note
- Saldo illimitato
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa/Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | €10 |
| Annual fee | Free |
| ATM withdrawal | Free |
| FX markup | 1% |
| Cashback | — |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US, EEA, UK, APAC · 170+ countries |
| Funding / solidity | BenPay è una fintech Web3 registrata negli USA (FinCEN MSB), che offre un'app all-in-one con carta, swap, staking e bridge su wallet self-custodial multi-chain. |
| Estimated net annual cost | €10/year |
| Regulator | FinCEN (US, MSB) |
| Segment | B2C |
| Funding / solidity | BenPay is a U.S.-registered Web3 fintech (FinCEN MSB) offering an all-in-one app with card, swap, staking and bridge on a self-custodial multi-chain wallet. |
| MiCA / License status | FinCEN MSB (Reg. No. 31000260888727) U.S. fintech registered as a Money Services Business (MSB) with FinCEN (Reg. No. 31000260888727); an AML registration, not prudential supervision. On-chain integrations audited by SlowMist. |
Strengths
- Non-custodial: keys stay on-device, only the spending amount moves to the card
- Spendable on Visa/Mastercard rails with USD settlement from USDT/USDC
- U.S.-registered fintech issuer with a FinCEN MSB license
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- No cashback (0%) across all tiers
- Virtual card only for now, physical still "coming soon"
- FX markup up to 1.5% and no ATM withdrawals; issuer flagged as "unverified" by todey.xyz
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (U.S. fintech registered as a Money Services Business (MSB) with FinCEN (Reg. No. 31000260888727); an AML registration, not prudential supervision. On-chain integrations audited by SlowMist.): reporting to authorities and freezes on order.
Verdict
Limited protection: the issuer is a U.S. FinCEN MSB-registered fintech, an anti-money-laundering registration that is not prudential supervision and offers no guarantee on funds. Independent sources (todey.xyz) flag the issuer as "unverified" and the physical card is not yet available, so user protection remains low.
Good sovereignty thanks to the non-custodial model: private keys stay on-device in the self-custodial wallet and only the spending amount is moved to the card, reducing balance exposure. However full KYC and USD settlement on Visa/Mastercard rails limit actual privacy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is BenPay Card custodial?
No: it is non-custodial. Private keys stay on your device in the self-custodial wallet and you move only the amount you want to spend to the card, so wallet funds remain safe even if the card is frozen.
How much does the BenPay Card cost and does it offer cashback?
Issuance is listed around 9.9 in stablecoin; the FX markup depends on the tier (1.5% Alpha, 1% Delta, 0.5% Sigma) and Sigma has a roughly $1/month fee. It offers no cashback (0%) on any tier.
Sources
- Official service page Azienda · Licenze (FinCEN MSB) · Custodial · Tier Alpha/Sigma/Delta · +9 Data verified on Jun 23, 2026
- todey.xyz Fee emissione · Fx markup · Cashback · Custodial · +4 Data verified on Jun 22, 2026