Osmosis Pay vs Deblock
On cashback Deblock wins (up to 1%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Deblock does better (0% vs 1%). In our editorial rating Deblock leads (4.0 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Osmosis Pay and Deblock.
| Osmosis Pay | Deblock | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 3.0 | ★ 4.0 |
| Estimated net annual cost | €0 | €0 |
| Network | Visa | Visa |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| Issuance fee | €50 | Free |
| Annual fee | Free | Free |
| Free ATM limit | 500 USD per prelievo (Premium fino a 2.000 USD/giorno) | Standard: €15.000/mese; Premium: €30.000/mese |
| ATM withdrawal | not declared | 1% |
| FX markup | 1% | 0% |
| Cashback | Not disclosed | 1% in EUR · Nessuno |
| Chains | Osmosis, Cosmos | Ethereum, Bitcoin, Solana |
| On-chain settlement | No | Yes |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 3/10 | 7/10 |
| Supported countries | EEA, UK, APAC, LATAM, MENA, AFRICA · 198+ countries | EEA · 30+ countries |
| Funding / solidity | Osmosis Pay è la carta dell'ecosistema Osmosis (DEX/AMM su Cosmos), powered by Cypher ed emessa da Reap Technologies Limited, società privata con sede a Hong Kong. La carta è disponibile in circa 198 paesi (Italia inclusa); le nuove iscrizioni dagli USA non sono supportate. | — |
| Regulator | Customs and Excise Department (Hong Kong) | ACPR (Banque de France); AMF |
| OAM Italy registration | No | — |
| Segment | B2C | B2C |
| Regions | EU/EEA, UK, APAC, LATAM, MENA, Africa | EU/EEA |
| Licences & safety | EMI (ACPR); MiCA/CASP (AMF) |
Frequently asked questions
Osmosis Pay vs Deblock: which is better?
On cashback Deblock wins (up to 1%, but the full rate requires Nessuno); for spending abroad FX markup matters, and Deblock does better (0% vs 1%). In our editorial rating Deblock leads (4.0 vs 3.0). The choice depends on your real spending profile: redo the math with your volumes before picking between Osmosis Pay and Deblock.
Which is cheaper, Osmosis Pay or Deblock?
On the standard spending profile Osmosis Pay has the lowest net annual cost: €0 versus €0 for Deblock.
Which offers more cashback, Osmosis Pay or Deblock?
Deblock has the highest cashback: up to 1%. Note the top rate often requires token staking and is subject to spending caps.
Is Osmosis Pay custodial or self-custody?
Osmosis Pay is self-custody: you keep the keys, while Deblock is self-custody.
Which is better for spending abroad?
For foreign-currency spending Deblock wins, with the lowest FX markup: 0%.