Payy Card
Self-custodial Visa card for verified users of the Payy Wallet: it spends the wallet's stablecoin balance, and card activity is routed through Payy Network, a private-by-default stablecoin blockchain, so balances and payment history are not exposed on-chain.
Base cashback
Max cashback
Base fee
FX fee
ATM fee
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- Self-custody: funds stay in your own wallet
- Apple Pay and Google Pay
- Spends stablecoins directly
Cons
No disadvantages derived from the published data yet.
Good for
- People who want to keep control of their keys
- Stablecoin holders
Not for
Not enough data to say.
Risks to understand
- Stablecoins can de-peg and are not covered by deposit protection.
- Self-custody: losing your keys or signing a malicious transaction can mean losing funds.
- Smart-contract and bridge risk applies to on-chain balances.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Payy Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees0/15
No fees data published or researched yet.
Cashback & rewards0/14
No cashback & rewards data published or researched yet.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets6/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Physical card
YesConditions apply: tap or hover for detailsShow source
For eligible users
- Virtual card
YesShow source
- Spend stablecoins
YesShow source
- Blockchains
Payy NetworkShow source
Not yet researched: ATM withdrawals, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
ActiveConditions apply: tap or hover for detailsShow source
For verified Payy Wallet users
- Card type
Stablecoin cardShow source
- Network
VisaShow source
- Custody model
Self-custodyShow source
Not yet researched: Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees | 20% | No data — excluded |
Cashback & rewards | 20% | No data — excluded |
Availability | 15% | No data — excluded |
FX & international | 10% | No data — excluded |
Product features 5 of 5 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: self custody | 10% | 80 |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency 3 of 3 checked key terms disclosed | 5% | 100 |
Data coverage 25%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Is Payy Card self-custodial?
Self-custody.
Does Payy Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history10 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- Spend stablecoins recorded · 22 October 2026 · auto-approved
- Blockchains recorded · 22 October 2026 · auto-approved