The Bitcoin Company Card
The Bitcoin Company (Two Twenty Two, Inc.) · Visa/Mastercard
The Bitcoin Company is a US app (legal entity Two Twenty Two, Inc., Austin, Texas) that lets you buy gift cards and prepaid Visa and Mastercard cards by paying in Bitcoin and stablecoins, spendable at over 10,000 merchants. The model is Bitcoin-native and non-custodial: the app holds no internal wallet and basic use requires no KYC. Gift card purchases earn up to 25% rewards in Bitcoin, withdrawable on-chain or via Lightning.
The clause
That 25% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
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 | Free |
| Annual fee | Free |
| ATM withdrawal | not declared |
| FX markup | 2.5% |
| Cashback | 25% in BTC · Nessuno |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Light |
| Privacy | 9/10 |
| Supported countries | US, LATAM |
| Estimated net annual cost | €0/year |
| Segment | B2C |
| MiCA / License status | Not disclosed |
Strengths
- Up to 25% Bitcoin rewards on gift card purchases, withdrawable on-chain or via Lightning
- Non-custodial Bitcoin-native model with no internal wallet and no KYC for basic use
- No annual or monthly fees; fund in Bitcoin or stablecoins across 10,000+ merchants
- Self-custody: funds stay in your wallet — the platform cannot touch them.
- Light KYC: minimal identity verification.
Weaknesses
- Prepaid Visa and Mastercard cards do not allow ATM withdrawals and cannot be used for recurring subscriptions
- FX markup of up to 2.5% on international transactions
- Availability concentrated in the US and Latin America (e.g. Brazil, Mexico)
- No notable sovereignty drawback documented.
Verdict
Weak protection on the regulatory side: it is a US app (Two Twenty Two, Inc.) issuing gift cards and prepaid Visa and Mastercard cards with no KYC for basic use, so without the safeguards of an EU bank or e-money account. Funds are not covered by deposit guarantees and any dispute falls under US jurisdiction.
High sovereignty by card standards: a non-custodial Bitcoin-native model with no internal wallet held and no KYC for basic use. The user pays in Bitcoin or stablecoins and rewards are withdrawable on-chain or via Lightning, reducing exposure to a custodial intermediary.
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 The Bitcoin Company 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
-
Google Play ↗
3.9/5
76 reviews
Values from the Play page structured data (ratingValue 3.875; ratingCount 76) for "The Bitcoin Company Rewards", package com.tbtc_app, developer Two Twenty Two, Inc. US storefront, the company's home market. Small base here too.
-
App Store ↗
3.8/5
29 reviews
Exact figure from the iTunes Lookup API (app "The Bitcoin Company Rewards", id 1600995023, seller Two Twenty Two, Inc., declared site thebitcoincompany.com), US store. Small base: 29 ratings. The score covers the app as a whole, gift cards included, not the prepaid card alone.
Weighted average across 2 public review platforms (105 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Does The Bitcoin Company require KYC?
For basic use, no: the app is Bitcoin-native and non-custodial, holds no internal wallet, and lets you buy gift cards and prepaid Visa and Mastercard cards paying in Bitcoin or stablecoins without a KYC process.
What currency are the rewards paid in?
Rewards are paid in Bitcoin, up to 25% on gift card purchases, and can be withdrawn at any time to your own on-chain wallet or via the Lightning Network.
Sources
- Official service page Payment network · Cashback · Supported currencies · Contactless · +1 Data verified on Jul 11, 2026
- apps.apple.com Cashback · Payment network · Kyc Data verified on Jul 11, 2026
- blockdyor.com Kyc · Custodial · Issuer · Paese licenza Data verified on Jun 22, 2026
- todey.xyz FX markup · Virtual card · Regioni Data verified on Jun 22, 2026