Spritz Card
Spritz Finance · Visa
Spritz Card is a Visa Signature card that lets you spend crypto in the real world by funding it directly from your self-custody wallet (50,000+ tokens across multiple chains), with on-chain settlement at the point of purchase. Spritz Finance is a US C-Corporation registered with FinCEN and licensed as a Money Transmitter, also focused on direct bill pay (mortgages, credit cards). Crypto-to-fiat conversion starts at 0.5% with variable add-on fees based on token, network and size; the up-to-5% cashback is promotional (events, points or USDC) rather than a flat rate. Issuance and annual fees are 0 (free, per source). ATM fee/limit is not publicly documented.
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
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 5% in USDC / Spritz Points · Nessuno |
| Chains | Bitcoin, Ethereum, Solana, Polygon, Arbitrum, Optimism, Base, BNB Chain, Tron, Avalanche |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US, EEA, UK · 140+ countries |
| Funding / solidity | Spritz Finance, fondata nel 2022 e con sede a Greenwich (Connecticut, USA), e una fintech web3 che collega TradFi e DeFi offrendo off-ramp crypto e bill pay (mutui, carte di credito) oltre alla Spritz Card. |
| Estimated net annual cost | €0/year |
| Regulator | FinCEN |
| Segment | B2C |
| Funding / solidity | Spritz Finance, founded in 2022 and headquartered in Greenwich (Connecticut, USA), is a web3 fintech bridging TradFi and DeFi by offering crypto off-ramps and bill pay (mortgages, credit cards) alongside the Spritz Card. |
| MiCA / License status | FinCEN MSB / Money Transmitter (USA) Registered as a Money Services Business (MSB) and licensed as a Money Transmitter; company incorporated as a C-Corporation in the United States. |
Strengths
- Direct funding from a self-custody wallet supporting 50,000+ tokens across many chains
- No issuance or annual fee; Visa Signature perks (lounge access, travel insurance)
- Bill pay feature to pay mortgages and credit cards in crypto, even at high amounts
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- Up-to-5% cashback is promotional/points-based only, not a guaranteed flat rate
- Variable conversion fee structure (from 0.5%) is hard to predict by token/network/size
- Limited regional availability and full KYC required for complete features
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Registered as a Money Services Business (MSB) and licensed as a Money Transmitter; company incorporated as a C-Corporation in the United States.): reporting to authorities and freezes on order.
Verdict
Spritz Finance is a US C-Corp registered with FinCEN and licensed as a Money Transmitter, with mandatory full KYC: the compliance framework is solid under US rules. The card is Visa Signature with extra perks, but consumer protection depends on each issuing country's rules and physical availability remains limited.
Cypherpunk strength: funding comes directly from a self-custody wallet (50,000+ tokens across chains) with on-chain settlement at purchase, without permanent custody of funds. Full KYC and the US-regulated nature, however, reduce anonymity and censorship resistance.
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 Spritz Card custodial?
No: it is self-custody. The card is funded directly from your own wallet and crypto-to-fiat conversion happens on-chain at the point of purchase, without handing funds into permanent custody.
What fees does the Spritz Card charge?
Issuance and maintenance are free (0). Crypto-to-fiat conversion starts at 0.5%, with variable add-ons depending on token, network and transaction size. ATM fee/limit data is not publicly documented.
Sources
- Official service page Payment network · Custodial · Blockchain · Cashback · +2 Data verified on Jun 22, 2026
- opencryptocards.com Blockchain · Fees · Regioni · Virtual card Data verified on Jun 22, 2026
- todey.xyz Categoria · Payment network · Paese licenza · Licenses & registrations · +5 Data verified on Jun 22, 2026