Ready Card (Argent) Metal
A plan byReady Card (Argent) · Mastercard
Ready (formerly Argent) is a self-custodial Mastercard on Starknet, with a session-key architecture and near-zero gas costs; spending is USDC-only. Two plans: Lite free (0.5% cashback, 1% FX) and Metal (120 USDC/year, 3% cashback, 0% FX). Cashback is paid in STRK and funded by the Starknet Foundation (reviewed quarterly), so it can potentially be discontinued.
Metal
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 3%
- Cashback currency
- STRK
- Cashback cap
- €150
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $800/mese gratis, poi 2%
- Net annual cost
- €112
- Annual price
- $120
What's included
- 120 USDC/year
- 3% STRK cashback (up to $5,000/month, $150/month cap)
- 0% FX
- 16g metal card
120 USDC for the first year; renewal cost from year two is not published. 3% cashback in STRK tokens capped at $150/month.
The clause
That 3% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | $800/mese gratis, poi 2% |
| ATM withdrawal | 2% |
| FX markup | 0% |
| Cashback | 3% in STRK · Nessuno |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 7/10 |
| Supported countries | EEA, UK · 31+ countries |
| Estimated net annual cost | €0/year |
| Regulator | UK FCA (partner Kulipa) |
| Segment | B2C |
| MiCA / License status | EMI (partner Kulipa) MiCA (Starknet EURe) |
Strengths
- Self-custodial on Starknet; session-key architecture; near-zero gas.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- STRK cashback depends on Starknet Foundation funding; USDC-only spending.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (MiCA (Starknet EURe)): reporting to authorities and freezes on order.
Verdict
The good rating leans on a regulated framework (MiCA on Starknet EURe, FCA oversight via partner Kulipa) and 0% FX markup, but from a protection standpoint the 120-euro annual net cost is a non-trivial burden and the STRK cashback, funded by the Starknet Foundation, can be discontinued. Self-custody, as always, shifts key responsibility onto the user.
For a crypto-native audience the design is elegant: self-custodial on Starknet, a session-key architecture and near-zero gas costs, with on-chain settlement and funds always under your control. The STRK cashback tied to Foundation funding and the USDC-only spending matter little against the autonomy gained; full KYC stays the only constraint on 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 Ready Card (Argent) a safe card?
Ready Card (Argent) is a self-custody card on the Mastercard 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 Ready Card (Argent) cost?
The Lite plan is free (1% FX); the Metal plan costs 120 USDC/year and removes the FX fee (0%). No issuance fee; cashback is paid in STRK.
Does Ready Card (Argent) offer cashback?
Yes: cashback goes up to 3%, depending on the tier.
Is Ready Card (Argent) available in Italy?
Yes, Ready Card (Argent) is available in Italy.
Is Ready Card (Argent) custodial or self-custody?
Ready Card (Argent) 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 Data verified on Jun 13, 2026
- ready.co Corporate site · Prezzo annuale usd · Cashback Data verified on Jul 22, 2026
- spendnode.io UK Data verified on Jul 10, 2026
- coindesk.com Latest funding round · Investors Data verified on Jun 14, 2026
Show 5 more sources
- find-and-update.company-information.service.gov.uk Legal name · Company type Data verified on Jun 14, 2026
- kkinvesting.io Cashback.valuta reward · Cashback.staking richiesto · Cashback.cap eur · Blockchain · +3 Data verified on Jun 14, 2026
- theblock.co Investors Data verified on Jun 14, 2026
- tracxn.com Stock ticker · Stock listing · IPO date Data verified on Jun 14, 2026
- indexventures.com Founders Data verified on Jun 13, 2026
Update history
- Metal plan price clarified: 120 USDC for the first year (renewal not published); the Lite plan remains free with paid card shipping. Cashback is paid in STRK tokens, capped at $150/month on Metal.