Cypher Card
Cypher · Visa
Cypher is a privacy-oriented, non-custodial multi-chain card available in over 160 countries and 33 US states. Its main limitation is the small team size, between five and ten people, which translates into still-limited corporate solidity.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | N/D |
| ATM withdrawal | 3% |
| FX markup | 1.75% |
| Cashback | 5% in CYPR + USD · Nessuno |
| Chains | Multiple - 15+ blockchain |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 7/10 |
| Supported countries | US, EEA, APAC, LATAM, MENA, AFRICA · 160+ countries |
| Estimated net annual cost | €0/year |
| Regulator | N/A |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | N/A n/d |
Plans & pricing
Cypher Free
- Price
- Free
- Annual price
- Free
- Issuance fee
- Free
- FX markup
- 1.75%
- Cashback
- 1%
- Cashback currency
- CYPR + USD
- Required staking
- Nessuno
- ATM fee
- 3%
- ATM limit
- N/D
- Net annual cost
- Free
- Self-custody Visa Platinum
- 500+ token da 15+ blockchain
- FX 1.75% non-USD, 0.5% USDC load
- 1-5% cashback + CYPR token
- Connessione MetaMask/Trust/WalletConnect
Cypher Premium
- Price
- Free
- Annual price
- Free
- Issuance fee
- Free
- FX markup
- 1.75%
- Cashback
- 5%
- Cashback currency
- CYPR + USD
- Required staking
- Nessuno
- ATM fee
- 3%
- ATM limit
- N/D
- Net annual cost
- Free
- Cashback maggiorato
- CYPR token rewards extra
Strengths
- 160+ countries; 33 stati USA; not-custodial multi-chain.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Team 5-10 persone; soundness limited.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (n/d): reporting to authorities and freezes on order.
Verdict
Cypher is a privacy-oriented, non-custodial multi-chain card available in over 160 countries and 33 US states. Its main limitation is the small team size, between five and ten people, which translates into still-limited corporate solidity.
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 Cypher Card a safe card?
Cypher Card is a self-custody card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.
How much does Cypher Card cost?
The card has no annual fee. Issuance is free. The FX markup is [object Object]%. See the tier table for full conditions.
Does Cypher Card offer cashback?
Cypher Card does not offer crypto cashback.
Is Cypher Card available in Italy?
Yes, Cypher Card is available in Italy.
Is Cypher Card custodial or self-custody?
Cypher Card uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.
Sources
- Official service page Plans & pricing · Regulatory framework · Generale · Tier.Cypher Free.cashback cap eur · +1 Data verified on Jun 14, 2026
- kkinvesting.io Plans & pricing · Trust & safety Data verified on Jun 14, 2026
- spendnode.io Annual cost · Trust & safety · Issuer · Plans & pricing · +2 Data verified on Jun 14, 2026
- theblock.co Issuer Data verified on Jun 14, 2026
Show 4 more sources
- tokenomist.ai Issuer Data verified on Jun 14, 2026
- ycombinator.com Issuer Data verified on Jun 14, 2026
- crunchbase.com Founders Data verified on Jun 13, 2026
- startupintros.com Headquarters · Founded Data verified on Jun 13, 2026