Ready Card (Argent) Metal
A plan byReady Card (Argent) · Mastercard
Ready (formerly Argent) is a self-custodial Mastercard on Starknet, with a session-key architecture and near-zero gas costs; spending is USDC-only. Two plans: Lite free (0.5% cashback, 1% FX) and Metal (120 USDC/year, 3% cashback, 0% FX). Cashback is paid in STRK and funded by the Starknet Foundation (reviewed quarterly), so it can potentially be discontinued.
Metal
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 3%
- Cashback currency
- STRK
- Cashback cap
- €150
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- $800/mese gratis, poi 2%
- Net annual cost
- €112
- Annual price
- $120
What's included
- 120 USDC/year
- 3% STRK cashback (up to $5,000/month, $150/month cap)
- 0% FX
- 16g metal card
120 USDC for the first year; renewal cost from year two is not published. 3% cashback in STRK tokens capped at $150/month.
The clause
That 3% 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
| Network | Mastercard |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | $800/mese gratis, poi 2% |
| ATM withdrawal | 2% |
| FX markup | 0% |
| Cashback | 3% in STRK · Nessuno |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 7/10 |
| Supported countries | EEA, UK · 31+ countries |
| Estimated net annual cost | €0/year |
| Regulator | UK FCA (partner Kulipa) |
| Segment | B2C |
| MiCA / License status | EMI (partner Kulipa) MiCA (Starknet EURe) |
Strengths
- Self-custodial on Starknet; session-key architecture; near-zero gas.
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- STRK cashback depends on Starknet Foundation funding; USDC-only spending.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (MiCA (Starknet EURe)): reporting to authorities and freezes on order.
Verdict
The good rating leans on a regulated framework (MiCA on Starknet EURe, FCA oversight via partner Kulipa) and 0% FX markup, but from a protection standpoint the 120-euro annual net cost is a non-trivial burden and the STRK cashback, funded by the Starknet Foundation, can be discontinued. Self-custody, as always, shifts key responsibility onto the user.
For a crypto-native audience the design is elegant: self-custodial on Starknet, a session-key architecture and near-zero gas costs, with on-chain settlement and funds always under your control. The STRK cashback tied to Foundation funding and the USDC-only spending matter little against the autonomy gained; full KYC stays the only constraint on 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 Ready Card (Argent), and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
Google Play ↗
4.7/5
7,238 reviews
JSON-LD structured data from the Play listing (4.68 across 7,238), UK storefront, developer Argent Labs, package im.argent.contractwalletclient. Here too the score is for the wallet app, not for the card.
-
App Store ↗
4.5/5
598 reviews
Exact figure from the public iTunes API (home-market UK storefront, id 1358741926, seller Argent labs limited): 4.54682 across 598 ratings. On the US storefront the same app shows 4.50474 across 2,314. The score measures the whole app (Starknet wallet and card), not the card alone, and many ratings predate both the Argent→Ready rebrand and the card launch.
Weighted average across 2 public review platforms (7,836 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Ready Card (Argent) a safe card?
Ready Card (Argent) is a self-custody card on the Mastercard network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is self-custody.
How much does Ready Card (Argent) cost?
The Lite plan is free (1% FX); the Metal plan costs 120 USDC/year and removes the FX fee (0%). No issuance fee; cashback is paid in STRK.
Does Ready Card (Argent) offer cashback?
Yes: cashback goes up to 3%, depending on the tier.
Is Ready Card (Argent) available in Italy?
Yes, Ready Card (Argent) is available in Italy.
Is Ready Card (Argent) custodial or self-custody?
Ready Card (Argent) uses a self-custody model. Funds stay in your wallet and you keep control of your private keys; the card debits at the moment of spending.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- ready.co Corporate site · Prezzo annuale usd · Cashback Data verified on Jul 22, 2026
- spendnode.io UK Data verified on Jul 10, 2026
- coindesk.com Latest funding round · Investors Data verified on Jun 14, 2026
Show 5 more sources
- find-and-update.company-information.service.gov.uk Legal name · Company type Data verified on Jun 14, 2026
- kkinvesting.io Cashback.valuta reward · Cashback.staking richiesto · Cashback.cap eur · Blockchain · +3 Data verified on Jun 14, 2026
- theblock.co Investors Data verified on Jun 14, 2026
- tracxn.com Stock ticker · Stock listing · IPO date Data verified on Jun 14, 2026
- indexventures.com Founders Data verified on Jun 13, 2026
Update history
- Metal plan price clarified: 120 USDC for the first year (renewal not published); the Lite plan remains free with paid card shipping. Cashback is paid in STRK tokens, capped at $150/month on Metal.