OKX Card (EEA) vs Tria Card

Product status: Active

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Product status: Active

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Card type: Prepaid card

Marketed as a debit card, runs on a prepaid BIN

Source states (paraphrased): Although marketed as a "Debit Card," the OKX Card operates on a prepaid Bank Identification Number (BIN).

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Card type: Crypto-backed credit

Source states (paraphrased): permits collateral-backed spending accounts involving digital assets

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Network: Mastercard

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Network: Visa

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Custody model: Custodial

The provider holds the funds

Source states (paraphrased): Owner research: custodial

Source: https://www.okx.com/en-eu/pay

Official product page (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Custody model: Self-custody

Source states (paraphrased): Funds stay in the user's own wallet until the moment of purchase; Tria never takes custody.

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Launch date: 2026-01-28

Source states (paraphrased): OKX launched the OKX Card on 28 January 2026 across the European Economic Area (EEA)

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Card issuer / program manager: UAB Monavate (issuer); OKX Europe Limited (program manager)

Source states (paraphrased): is issued by UAB Monavate ("Monavate"), a company incorporated in Lithuania

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Card issuer / program manager: Nimbus, LLC (issuer); Threely Dimensions Inc. (Tria, program provider)

International card terms

Source states (paraphrased): Nimbus, LLC a Delaware U.S. corporation

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Tiers / plans: Lite · Pro · Max

Source states (paraphrased): Tria offers three tiers to match how you use your crypto.

Source: What are Tria Cards? - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Annual fee: Free

Source states (paraphrased): No issuance, monthly, annual or inactivity fees.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Monthly fee: Free

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Physical card fee: $109

Plastic card; Metal card 250 USD

Source states (paraphrased): Plastic Card: $109

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Virtual card fee: $25

Virtual card; Plastic 109 USD, Metal 250 USD

Source states (paraphrased): Virtual Card: $25

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

FX fee: 0%

No added OKX FX fee

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

FX fee: 0%

Source states (paraphrased): 0% FX fees.

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

Crypto conversion fee: 0.1%

Market spread converting stablecoins to EUR

Source states (paraphrased): Market spread on conversion: 0.1% per transaction.

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Top-up fee: Free

Source states (paraphrased): No deposit fees.

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%

ATM fee: $1 + 1%

$1.00 base fee plus 1% of the withdrawal amount; local ATM operator fees/limits may apply

Source states (paraphrased): Base Fee: $1.00 Percentage Fee: 1% of the withdrawal amount

Source: ATM Withdrawals - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Other fees & markups: FX fee up to 3% · International transactions fee up to 1% · USDC settlement/deposit fee up to 1% · ATM balance inquiry and decline fees up to $2 · ATM withdrawal up to $2 + 3% · Virtual card issue/annual fee $25 per fee disclosure

Maximums from the 31 Oct 2025 fee disclosure; help center states lower fees

Source states (paraphrased): Foreign Exchange ("FX"): Up to 3%

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 60%

Base cashback: 1.5%

Virtual tier, within a monthly spend cap ($100 or $1,000 — sources conflict)

Source: Season 3 Membership and Cashback Updates

Official announcement (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Max cashback: 6%

Premium tier, headline rate, monthly spend caps apply

Source: Season 3 Membership and Cashback Updates

Official announcement (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

Cashback paid in: USDG

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback paid in: USDT on Arbitrum

Source states (paraphrased): Cashback is paid in USDT on Arbitrum via Merkle distribution.

Source: Season 3 Membership and Cashback Updates

Official announcement (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Cashback type: Stablecoin

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Cashback type: Stablecoin

Source states (paraphrased): Cashback is paid in USDT on Arbitrum via Merkle distribution.

Source: Season 3 Membership and Cashback Updates

Official announcement (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%

Cashback-eligible spend cap: $100/month

Virtual tier: monthly spend at the top rate; floor rate 0.5% above it. Cap is per user, resets on the 1st

Source states (paraphrased): Virtual earns 1.5% on the first $100/month, then 0.5% after the monthly limit.

Source: Season 3 Membership and Cashback Updates

Official announcement (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%

Max cashback per month: €10/month

Non-VIP; temporarily raised to €20 during a current offer

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Cashback conditions: Only purchases with USDG as the active payment currency earn cashback; USDC payments do not · Rate and monthly cap depend on OKX VIP level · Cashback rates are subject to promotional periods

Source states (paraphrased): Cashback applies only to purchases where USDG is the active payment currency. USDC payments do not earn cashback.

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Cashback conditions: Cashback is a membership benefit; it stops on new transactions if the membership is not renewed

Pro $109/year, Max $250/year standard renewal pricing

Source states (paraphrased): Membership benefits, including cashback on new transactions, will no longer apply.

Source: Tria Card Membership Renewal FAQ - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Staking / holding required for top rewards: No

Cashback level depends on OKX VIP level instead

Source states (paraphrased): Cashback is credited instantly in crypto, with no staking or lock-up requirements.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%

Reward exclusions: Cash withdrawals, cash-equivalent transactions and ATM usage · Refunds, chargebacks, reversed or disputed transactions · Peer-to-peer transfers and internal account movements · Fees, interest, penalties, taxes · MCCs excluded by OKX

EEA Card Cashback Programme; rates and caps set by OKX and may vary

Source states (paraphrased): cash withdrawals, cash-equivalent transactions, and ATM usage;

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Credit line: No

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Credit line: Yes

Source states (paraphrased): The Issuer establishes your credit limit.

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Credit type: Crypto-backed credit

Source states (paraphrased): permits collateral-backed spending accounts involving digital assets

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Max loan-to-value: 100%

Spending limit equals USD market value of collateral (1:1)

Source states (paraphrased): post Collateral that has Market Value in United States Dollars (“ USD ”) equal to each dollar that is charged to all of your Cards

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 70%

Interest (APR): 0%

Source states (paraphrased): Your Card is currently 0% interest on all purchases.

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Interest notes: Currently 0% on all purchases; issuer may introduce interest for new purchases in the future

Source states (paraphrased): Issuer reserves the right to implement interest in the future, for new purchases.

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Grace period: Liquidation if an outstanding payment is not paid in full within one calendar day (issuer may allow more)

Source states (paraphrased): has not been paid in full by you within one (1) calendar day

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Repayment: Balances in the linked wallet are used to repay card spending; collateral liquidated if unpaid

Source states (paraphrased): Balances in your Linked Wallet or Additional Wallet may be used as a source of funds for repayment for any spending on your Card

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Liquidation risk: Yes

Source states (paraphrased): you may be subject to a Liquidation Event

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Available in: EEA

EEA addendum; subject to eligibility

Source states (paraphrased): For residents of the European Economic Area (EEA), the Services are provided by the following regulated entities

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Not available in: Iceland, Liechtenstein

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Account / spend currencies: EUR

Source states (paraphrased): The Card itself is denominated in Euro (EUR)

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%

Apple Pay: Yes

Source states (paraphrased): The card can also be added to Apple Pay or Google Pay on supported devices.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Apple Pay: Yes

Where supported

Source states (paraphrased): Connect your card to Apple Pay or Google Pay

Source: What are Tria Cards? - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Google Pay: Yes

Source states (paraphrased): The card can also be added to Apple Pay or Google Pay on supported devices.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Google Pay: Yes

Where supported

Source states (paraphrased): Connect your card to Apple Pay or Google Pay

Source: What are Tria Cards? - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Physical card: No

Currently virtual-only

Source states (paraphrased): The card is currently issued as a virtual card only.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

Physical card: Yes

Pro (plastic) and Max (metal) tiers only

Source states (paraphrased): Choose between Lite or physical card options.

Source: What are Tria Cards? - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Virtual card: Yes

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Virtual card: Yes

Lite tier is virtual-only

Source states (paraphrased): Choose between Lite or physical card options.

Source: What are Tria Cards? - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

ATM withdrawals: Yes

Source states (paraphrased): When withdrawing cash, your transaction is subject to two different sets of limits

Source: ATM Withdrawals - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%

Spend stablecoins: Yes

Source: What is the OKX Card? Crypto card explained for European users (2026)

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

Spendable assets: USDC · USDG

Source states (paraphrased): Supported spending assets currently include USDC and USDG held in the OKX Pay account.

Source: OKX Card EEA: How It Works, Fees, Rewards & Eligibility

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%

Spendable assets: 1,000+ tokens accepted for funding

Source: Tria: Neofinance app to Trade, Earn and Spend Crypto. Self-Custodial.

Official product page (tier 1)

Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Blockchains: Ethereum · Polygon · Optimism · Arbitrum

Supported blockchains for collateral; more may be added

Source states (paraphrased): means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain

Source: Card Terms International - Tria Docs

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

ATM limit: $750

Per transaction; maximum 3 withdrawals per 24 hours

Source states (paraphrased): Per Transaction: Maximum of $750 .

Source: ATM Withdrawals - Tria Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%

Regulation / licences: UAB Monavate: EMI authorised by the Bank of Lithuania (LB002139) · OKX Europe Limited: CASP licensed by the Malta Financial Services Authority (MiCA)

Source states (paraphrased): licensed as a Crypto-Asset Service Provider by the Malta Financial Services Authority

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%

Deposit protection: No

Source states (paraphrased): Your balance is not protected by any investor compensation scheme under Directive 97/9/EC or the deposit guarantee schemes

Source: EEA Regional Addendum to the Pay Wallet Terms | OKX Europe

Official terms & conditions (tier 1)

Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%