Bleap is the lower published card-fee option for eligible EEA and Swiss users because Bleap charges no issuance, monthly, usage or exchange fee for card activity, although Mastercard, network, merchant, ATM and tax charges may still apply. Holyheld has repositioned itself as an invitation-only payments membership: as of October 1, 2026 its official site no longer publishes the former Classic, Limited Edition and Metal card tiers, card fees, ATM limits, cashback rates or an eligible-country list, so it cannot be priced as a card from public information. Cypher has shut down and is not an option for a new card.
What non-custodial does and does not mean
The wallet and the card transaction are different layers. Verify each layer on screen before authorizing a direct debit or converting assets to a fiat balance.
Bleap vs Holyheld: verified conditions
| Check | Bleap Card | Holyheld |
|---|---|---|
| Custody and card model | Non-custodial Bleap smart-account wallet with a direct-debit mandate. Mastercard debit issued by Unlimit EU Ltd. Assets remain in the linked wallet until the card flow debits it. The card can be linked only to the Bleap Wallet, not to another wallet such as MetaMask or any other funding source; debits run through the wallet's smart-account permissions, and if a permission is removed or fails, card payments may be declined until you re-authorise in the app. | Invitation-only personal or business membership combining accounts, fiat and stablecoin payments, on- and off-ramp conversion and card spending. The former virtual and physical card tiers are no longer listed on the official site (checked October 1, 2026). |
| Eligibility | Age 18+, EEA or Switzerland residence, KYC and issuer approval, with a published restricted-nationality list and sanctions exclusions. The list in the EEA cardholder terms (updated May 25, 2026) applies regardless of residence and includes, among others, the United States, Turkey, the UAE, Pakistan, the Philippines, Vietnam, Nigeria and South Africa. | By invitation: Holyheld reviews each application and invites applicants whose needs it can support. The former 30-country card availability list is no longer published, and the old availability page now redirects to the general FAQ. |
| Card and account price | No Bleap issuance, monthly, usage or exchange fee for card activity. | Personal membership CHF 0 a year (by invitation); business membership CHF 500 a year. The former one-time card prices (EUR 29 Classic, EUR 99 Limited Edition, EUR 199 Metal) are no longer listed. |
| Payments and FX | Bleap adds no FX markup. Mastercard network rate applies to different-currency transactions; scheme, network, merchant and tax charges can still apply. Buying, selling or bridging assets may add a displayed network fee, processing fee or spread even though card spend itself has no Bleap fee. | No card FX fee is published. For individuals the pricing page lists 1% on-ramp and 1% off-ramp transfers, EUR 1 per outgoing SEPA transfer, USD 1 per outgoing ACH transfer and USD 20 per wire; check the card currency and conversion in the app before paying. |
| ATM | No Bleap ATM fee, but an ATM operator, scheme or network charge may apply and acceptance is not guaranteed. | No ATM fee or card limit is published any more; the former EUR 1 domestic and 2.5% plus EUR 2 international ATM fees and the EUR 1,000 / 5,000 / 60,000 limits have been removed. Confirm limits in the app. |
| Rewards | The current marketing page advertises up to 20% USDC cashback, but does not provide a complete universal rate table in the public card terms. Its category examples (checked October 13, 2026) are 1% on restaurants, supermarkets and everything else, 3% on rides and food delivery, and 20% on streaming, AI and gaming. Money transfers, funding transactions, utilities, tax payments and government services earn nothing, and a fair-usage limit applies without a published amount. Treat it as conditional and save the in-app merchant offer, cap and expiry before spending. | No cashback rate is published; the former 0.5% (Classic, Limited Edition) and 1% (Metal) USDC cashback no longer appears on the official site. |
Cypher wound down its card in 2026. Card loading, new applications and issuance ended on July 8, 2026; active cards were canceled on August 7, 2026; and the mobile app, dApp, business platform, withdrawals and reward claims closed on September 6, 2026. Do not send funds to old Cypher deposit addresses.
How MetaMask Card and Gnosis Pay fit
Bleap and Holyheld are not the only wallet-first routes. MetaMask Card is useful when the official Card tab confirms your country, supported network, spending asset and card terms. Gnosis Pay links card use to a Safe Smart Account, but its own notice says the consumer card and web app stop on December 20, 2026 and GNO cashback ended on September 30, 2026, so treat it as a card to move away from rather than a new option. Compare those details in the dedicated MetaMask eligibility and fees guide and Gnosis Pay country guide rather than assuming every self-custody product has the same settlement model.
Verify the route before funding
A non-custodial label is not enough to price a card transaction.
Confirm residence, nationality, KYC, issuer approval and available card tier.
Identify the wallet debit, conversion step, fiat balance and third-party fees.
Make a small purchase and match wallet debit, settled card amount and reward.
Save-record checklist
- Country, nationality, KYC and card-tier eligibility screens.
- Issuer disclosure, wallet address, direct-debit mandate or top-up authorization.
- Crypto amount, fiat quote, spread, processing fee, network fee and card settlement.
- Card issue price, international payment fee, ATM fee and operator surcharge.
- Reward offer, qualifying merchant, percentage, cap, expiry and final USDC credit.
- First small payment, monthly statement, wallet transaction identifier and support case number.
- For former Cypher users: any transaction history, reward claim and withdrawal confirmation you saved before the platform closed on September 6, 2026.
If this card is not available where you live, or you want a card funded directly with stablecoins, these are the cards this site reviews in detail. Availability depends on your country of residence, so check eligibility in each app before applying.
- KAST — the Standard tier is free and earns 1.5% USD cashback on up to $2,000 of eligible spend a month; non-USD spending has a 0.5–1.75% FX fee. Review
- RedotPay — virtual card 10 USD, physical card 100 USD; spending in the card currency is free, other currencies 1.2%; works with Apple Pay and Google Pay. Review
- Tria — under Tria's membership update of September 26, 2026, the former Virtual card is now Lite at 20 USD a year (the free offer has ended), with 1.5% cashback on the first 1,000 USD of eligible spend a month, then 0.5%. Review
The "Open" buttons are affiliate links; we may earn a commission at no cost to you. Figures checked on October 1, 2026 on each issuer's official pages.
FAQ
Does non-custodial crypto card mean no KYC?
No. Bleap and Holyheld keep the crypto wallet under the user's control, but card issuance and regulated payment access still require identity verification and eligibility checks.
Is Bleap available worldwide?
No. Bleap's current EEA cardholder terms limit availability to the EEA and Switzerland, subject to nationality, sanctions, KYC and issuer restrictions.
How much does Holyheld cost?
As of October 1, 2026, Holyheld's official pricing page lists a personal membership at CHF 0 a year, by invitation only (company membership is CHF 500 a year). For individuals it lists 1% on-ramp and 1% off-ramp transfers, EUR 1 per outgoing SEPA transfer, USD 1 per outgoing ACH transfer and USD 20 per wire. The former Classic, Limited Edition and Metal card prices, card FX fees, ATM fees and cashback rates are no longer published.
Can I still apply for Cypher Card?
No. Cypher has shut down: card loading, new applications and issuance ended on July 8, 2026, card spending ended on August 7, and the platform and withdrawal window closed on September 6, 2026.
Official sources checked
Checked on 2026-10-01 JST; Bleap eligibility, wallet linking and cashback details were rechecked on 2026-10-13 JST. Reopen the live app and legal terms before connecting a wallet, authorizing a debit or moving funds.