BenPay Card Delta
A plan byBenPay Card · Visa/Mastercard
BenPay Card is a non-custodial crypto card: funds stay in the user's self-custodial wallet (private keys on-device) and only the amount to be spent is moved to the card. It is spendable on Visa/Mastercard rails, funded with USDT/USDC and settled in USD. The company is a U.S.-registered fintech holding a FinCEN MSB license (Reg. No. 31000260888727). There are three tiers (Alpha, Sigma, Delta): card issuance is listed at about 9.9 (in stablecoin, original value in USD/BUSD), the FX markup varies by tier (1.5% Alpha, 1% Delta, 0.5% Sigma) and Sigma carries a roughly $1 monthly fee. There is no cashback (0%) and no ATM withdrawals. The card is currently virtual-only (physical "coming soon") and the issuer is not independently verified by third-party sources.
Delta
- FX markup
- 1%
Saldo illimitato
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa/Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | €10 |
| Annual fee | Free |
| ATM withdrawal | not declared |
| FX markup | 1% |
| Cashback | Not disclosed |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 5/10 |
| Supported countries | US, EEA, UK, APAC · 170+ countries |
| Funding / solidity | BenPay è una fintech Web3 registrata negli USA (FinCEN MSB), che offre un'app all-in-one con carta, swap, staking e bridge su wallet self-custodial multi-chain. |
| Estimated net annual cost | €10/year |
| Regulator | FinCEN (US, MSB) |
| Segment | B2C |
| Funding / solidity | BenPay is a U.S.-registered Web3 fintech (FinCEN MSB) offering an all-in-one app with card, swap, staking and bridge on a self-custodial multi-chain wallet. |
| MiCA / License status | FinCEN MSB (Reg. No. 31000260888727) U.S. fintech registered as a Money Services Business (MSB) with FinCEN (Reg. No. 31000260888727); an AML registration, not prudential supervision. On-chain integrations audited by SlowMist. |
Strengths
- Non-custodial: keys stay on-device, only the spending amount moves to the card
- Spendable on Visa/Mastercard rails with USD settlement from USDT/USDC
- U.S.-registered fintech issuer with a FinCEN MSB license
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- No cashback (0%) across all tiers
- Virtual card only for now, physical still "coming soon"
- FX markup up to 1.5% and no ATM withdrawals; issuer not independently verified by third-party sources
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (U.S. fintech registered as a Money Services Business (MSB) with FinCEN (Reg. No. 31000260888727); an AML registration, not prudential supervision. On-chain integrations audited by SlowMist.): reporting to authorities and freezes on order.
Verdict
Limited protection: the issuer is a U.S. FinCEN MSB-registered fintech, an anti-money-laundering registration that is not prudential supervision and offers no guarantee on funds. The issuer is not independently verified by third-party sources and the physical card is not yet available, so user protection remains low.
Good sovereignty thanks to the non-custodial model: private keys stay on-device in the self-custodial wallet and only the spending amount is moved to the card, reducing balance exposure. However full KYC and USD settlement on Visa/Mastercard rails limit actual privacy.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used BenPay Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
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App Store ↗
4.8/5
5 reviews
sample too small for the average
Exact figure from the iTunes Lookup API (app "BenPay", id 6618115564, bundle com.benfen.wallet), US store. The registered App Store seller is Wuben Inc. The base is just 5 ratings: it should be read as "no mass verdict available", not as a 4.8 over a broad sample, and it is excluded from the weighted average. On Google Play the app publishes no score.
FAQ
Is BenPay Card custodial?
No: it is non-custodial. Private keys stay on your device in the self-custodial wallet and you move only the amount you want to spend to the card, so wallet funds remain safe even if the card is frozen.
How much does the BenPay Card cost and does it offer cashback?
Issuance is listed around 9.9 in stablecoin; the FX markup depends on the tier (1.5% Alpha, 1% Delta, 0.5% Sigma) and Sigma has a roughly $1/month fee. It offers no cashback (0%) on any tier.
Sources
- Official service page Azienda · Custodial · Url ufficiale · Azienda info Data verified on Jul 11, 2026
- todey.xyz Fee emissione · Fx markup · Cashback · Custodial · +4 Data verified on Jun 22, 2026