Costs, licensing, consumer protection Privacy, self-custody, censorship resistance

Zebec Card Carbon

Name: Zebec Card
Brand: Zebec

A plan byZebec Card · Mastercard

3.0/5 3.8/5 · Data verified on Jun 22, 2026

Zebec Card is a non-custodial crypto card on the Mastercard network, born from Zebec Network's Solana payments protocol and launched in 2026 with Mastercard. Funds stay in the user's wallet until loading (on-chain settlement) and multiple chains are supported (Solana, Base, Ethereum and others). The Silver and Carbon tiers carry no issuance, monthly or transaction fees; the Black tier (temporarily offline) has roughly $1 issuance, $1/month, ~2% top-up and $0.30 per transaction. There is no guaranteed cashback: rewards follow a points/airdrop model in ZBCN tokens. Virtual-only card (Apple Pay/Google Pay), with no ATM withdrawals. The FX markup is not publicly disclosed by the issuer and is therefore set to 0.

Estimated net annual cost €0/year

Carbon

Issuance fee: Free
fee_annuale_eur: Free

FX markup

—

Cashback

Free

Annual fee

Free

Issuance fee

Self-custody

Custody

Transparency: Very low

31/100 · see methodology

Data exposure: Minimal

31/100 · lower is better for sovereignty · methodology

Data & conditions

§ Amounts in USD/GBP are shown in the service's native currency.

Network	Mastercard
Fund custody	Self-custody (funds in your control)
Issuance fee	Free
Annual fee	Free
Free ATM limit	Nessun prelievo ATM
ATM withdrawal	Free
FX markup	0%
Cashback	—
Chains	Solana, Base, Ethereum
On-chain settlement	Yes
Contactless	Yes
Virtual card	Yes
KYC	Light
Privacy	7/10
Supported countries	US, EEA, UK, APAC, LATAM · 138+ countries
Funding / solidity	Zebec è una società di pagamenti crypto fondata nel 2021 con sede a New York (USA), nata dal protocollo di pagamenti su Solana di Zebec Network. Tra gli investitori figurano Circle, Coinbase, Solana Ventures, Breyer Capital, Republic e Lightspeed Venture Partners.
Estimated net annual cost	€0/year
Segment	B2C
Funding / solidity	Zebec is a crypto payments company founded in 2021 and headquartered in New York (USA), born from Zebec Network's Solana payments protocol. Investors include Circle, Coinbase, Solana Ventures, Breyer Capital, Republic and Lightspeed Venture Partners.
MiCA / License status	N/A

Strengths

Non-custodial model: funds stay in your wallet until loading.
Silver and Carbon tiers with no issuance, monthly or transaction fees.
Multi-chain (Solana, Base, Ethereum) with instant virtual-card activation.

Self-custody: funds stay in your wallet — the platform cannot touch them.
Light KYC: minimal identity verification.

Weaknesses

No guaranteed cashback: only variable ZBCN-token rewards (airdrop/points).
FX markup not publicly disclosed by the issuer.
Virtual-only card and no ATM withdrawals.

No notable sovereignty drawback documented.

Verdict

C A ★ 3.0/5 ★ 3.8/5 Estimated net annual cost: €0/year

Non-custodial card: funds stay in the user's wallet with on-chain settlement until loading, so there is no exposure to an issuer-held balance. The issuer (Zebec, USA) does not publicly disclose a regulator or program manager and no dedicated licence is documented: formal protection remains limited and opaque.

Good sovereignty profile thanks to the non-custodial multi-chain model (Solana, Base, Ethereum) and light KYC, with funds under user control until spending. Sovereignty is penalised by the centralised Mastercard network and the lack of a physical card/cash access (virtual-only, no ATM).

Privacy & anonymity 30% 3.0

Fund control 20% 5.0

Censorship resistance 20% 3.0

Costs 10% 5.0

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 Zebec Card custodial or self-custody?

Zebec Card uses a non-custodial model: funds stay in the user's wallet with on-chain settlement until the card is loaded. The network is Mastercard.

How much does Zebec Card cost?

The Silver and Carbon tiers have no issuance, monthly or transaction fees. The Black tier (temporarily offline) has roughly $1 issuance, $1/month, ~2% top-up and $0.30 per transaction. The FX markup is not publicly disclosed.