Geme Card
GEME Wallet · Visa
Geme Card is the payment card tied to GEME Wallet, a non-custodial multi-chain crypto wallet (available via web and a Telegram Mini App) launched in August 2025. The card lets users spend crypto converted to fiat at merchants accepting Visa, with claimed coverage across 170+ countries, a free virtual card, online and offline payments, mobile wallet support (Apple Pay / Google Pay) and 2% cashback (5% in Bitcoin for the first month). KYC is required at issuance. Third-party sources report a 1% FX fee. Note: there is no complete public fee schedule and no specific license is documented, so unconfirmed figures are set to 0 (fee_emissione_eur and fee_annuale_eur are 0 because the virtual card is listed as free, but no verifiable official fee table exists). The todey.xyz source also flags the team as 'unverified'.
The number that matters
The banner cashback isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
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 |
| ATM withdrawal | Free |
| FX markup | 1% |
| Cashback | 2% in BTC · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 4/10 |
| Supported countries | US, EEA, UK, LATAM, APAC · 170+ countries |
| Estimated net annual cost | €0/year |
| Segment | B2C |
Strengths
- Non-custodial wallet: the user keeps control of keys and funds
- Free virtual card with claimed coverage across 170+ countries on the Visa network
- 2% cashback (5% in Bitcoin for the first month) plus Apple Pay / Google Pay support
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- No complete public fee schedule: real costs and limits are poorly transparent
- No specific license documented and team flagged as 'unverified' by third-party sources
- Very recent project (launched August 2025) with a short operating track record
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Weak protection: no specific license documented and no card issuer or regulator publicly disclosed. The wallet is non-custodial (the user controls the keys), but the card has no complete official fee schedule and no verifiable guarantees. A very recent project with a team flagged as 'unverified' by third-party sources: treat as high risk until transparent regulatory information emerges.
A strength on the sovereignty side: GEME Wallet is non-custodial and multi-chain, so the user keeps keys and control of funds in the wallet. The card, however, requires full KYC at issuance and converts crypto to fiat on the Visa network, adding intermediaries and traceability to payments. Good self-custody upstream, but limited privacy on the spending side.
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 the Geme Card custodial or non-custodial?
GEME Wallet is non-custodial: users keep their keys and control of funds. The linked card lets you spend crypto converted to fiat on the Visa network, with KYC required at issuance.
How much does the Geme Card cost?
The virtual card is listed as free and offers 2% cashback (5% in Bitcoin for the first month). However there is no complete official fee schedule: some costs (e.g. possible issuance or annual fees) are not publicly documented and should be verified directly in the app.
Sources
- Official service page Nome · Azienda · Custodial · Virtual card · +7 Data verified on Jun 23, 2026
- medium.com Azienda · Founded · Descrizione Data verified on Jun 22, 2026
- todey.xyz Payment network · FX markup · Regioni · Cashback · +1 Data verified on Jun 22, 2026