The Bitcoin Company Card
The Bitcoin Company (Two Twenty Two, Inc.) · Visa
The Bitcoin Company is a US app (legal entity Two Twenty Two, Inc., Austin, Texas) that lets you buy gift cards and prepaid Visa cards by paying in Bitcoin and stablecoins, spendable at over 10,000 merchants. The model is Bitcoin-native and non-custodial: the app holds no internal wallet and basic use requires no KYC. Gift card purchases earn up to 50% rewards in Bitcoin, withdrawable on-chain or via Lightning.
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 verified on Jun 22, 2026 · personalise the calc
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 | 2.5% |
| Cashback | 50% in BTC · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Light |
| Privacy | 9/10 |
| Supported countries | US, LATAM |
| Estimated net annual cost | €0/year |
| Segment | B2C |
Strengths
- Up to 50% Bitcoin rewards on gift card purchases, withdrawable on-chain or via Lightning
- Non-custodial Bitcoin-native model with no internal wallet and no KYC for basic use
- No annual or monthly fees; fund in Bitcoin or stablecoins across 10,000+ merchants
- Self-custody: funds stay in your wallet — the platform cannot touch them.
- Light KYC: minimal identity verification.
Weaknesses
- Prepaid Visa cards do not allow ATM withdrawals and cannot be used for recurring subscriptions
- FX markup of up to 2.5% on international transactions
- Availability concentrated in the US and Latin America (e.g. Brazil, Mexico)
- No notable sovereignty drawback documented.
Verdict
Weak protection on the regulatory side: it is a US app (Two Twenty Two, Inc.) issuing gift cards and prepaid Visa cards with no KYC for basic use, so without the safeguards of an EU bank or e-money account. Funds are not covered by deposit guarantees and any dispute falls under US jurisdiction.
High sovereignty by card standards: a non-custodial Bitcoin-native model with no internal wallet held and no KYC for basic use. The user pays in Bitcoin or stablecoins and rewards are withdrawable on-chain or via Lightning, reducing exposure to a custodial intermediary.
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
Does The Bitcoin Company require KYC?
For basic use, no: the app is Bitcoin-native and non-custodial, holds no internal wallet, and lets you buy gift cards and prepaid Visa cards paying in Bitcoin or stablecoins without a KYC process.
What currency are the rewards paid in?
Rewards are paid in Bitcoin, up to 50% on gift card purchases, and can be withdrawn at any time to your own on-chain wallet or via the Lightning Network.
Sources
- Official service page Payment network · Cashback · Supported currencies · Contactless Data verified on Jun 23, 2026
- blockdyor.com Kyc · Custodial · Issuer · Paese licenza Data verified on Jun 22, 2026
- todey.xyz FX markup · Virtual card · Regioni Data verified on Jun 22, 2026