Frequently asked questions

Correct. You sign up with a single account token and fund with crypto only, no SSN, no bank link, and no credit check.

As soon as your top-up clears, your card number is issued the moment you create the card, usually ready to spend within minutes.

Five tiers: Core (1%), Plus (2%), Pro (3%), Premier (4%), and Obsidian (5%). Higher tiers earn more cash back, raise your monthly limit, and get faster support. Just pick a tier when you create a card.

Anywhere Visa and Mastercard are accepted, regardless of the issuing BIN. The country and currency you pick at issue are there to optimize approvals, not to limit where you can spend.

USDT, USDC, BTC, ETH, and other major coins. Your top-up is held as credit that never expires and only draws down as you spend.

Only a top-up fee of 3.5% down to 1.6% by tier (lower as you load more). There are no monthly fees to issue, hold, or manage a card.

Every approved purchase earns your plan’s rate as credit, and that credit goes right back onto your card balance to spend again.

With your account token (sw_…) instead of an email and password. The token you get at sign-up is your only key, so keep it safe.

Yes. A REST API lets you issue cards, set limits, read balances and transactions, and subscribe to webhooks. See the Developers page for details.