Bridging Digital Assets to Real-World Rails. ✉️: [email protected]
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💳 Which Crypto Cards Really Offer 0% FX Fees?
NTXGuide compared 43 crypto cards, separating those with 0% FX markup from those where it depends on the card tier, spending currency, or applicable exchange rate. Here’s which cards qualify and what to watch for:
✅ 0% FX markup
◈ @Lava_xyz
◈ @BleapApp
◈ @Krak
◈ @Wirex_One
◈ @Decaf_so
◈ @OKX — ~0.1% wholesale spread
⚠️ 0% with conditions
◈ @joinPeanut — Visa rate applies
◈ @TradeRepublic — Visa rate applies
◈ @Bitpanda — Visa rate applies
◈ @XPlaceapp — Platinum
◈ @Plasma One — Platinum
◈ @MetaMask — Metal
◈ @UpholdInc — Elite
◈ @Cryptocom — Icy / Obsidian
◈ @Coinbase — USD / USDC
◈ @PulsarMoneyApp — same-currency spending
Before choosing a card: Check the terms that apply to your card tier and region. The lowest advertised fee isn’t necessarily the best deal for your spending.
🔎 Compare +40 crypto cards on NTXGuide: ntxguide.xyz
A few card apps shipped real product today:
@ether_fi launched ether.fi USD, powered by @Ethena. Reserves, mint, and redeem sit with Ethena. They already have $300M+ in stablecoins on the platform and a card with close to $1B in cumulative spend.
@OKX unveiled OKX Money. A digital dollar wallet to save, earn, send, and spend, with no conversion fee on the headline.
@Lava_xyz opened EUR deposits by SEPA for the EEA. No transfer fee, usually in about 5 minutes, converted into the USD balance. Virtual accounts for Euros and Mexican pesos are in. Withdrawals already worked.
@SolidYield rebuilt rewards. Rides and flights now earn cashback. New AI, streaming, and music rates are lower than the old subscription deal. Existing subscriptions keep the old rate. The FUSE lock goes up on 12 Oct.
Different products. Same shift, from a spend card to an account you can fund.
Wirex One — what’s actually behind the card?
Get money in
SEPA • ACH • FPS
USD • EUR • GBP
Keep it
Fiat + USDC + USDT
Crypto side is non-custodial
Use it
Virtual + physical card
0% Wirex FX markup*
Up to €30k/day
Card fees
Virtual card: $0
Physical card: delivery fee by region
ATM: free up to the applicable allowance, then 2%
Earn on it
0.5%–8% Cryptoback
Higher rates require a membership or WXT lock
*Conversion spread can still apply.
Discover everything you need to know about Wirex One here:
ntxguide.xyz/?card=wirex-one
What makes crypto-fintech interesting isn’t just the card.
Cards solved spending.
The bigger opportunity is building everything around it:
Get paid → hold fiat or stablecoins → move money → convert → spend.
When one platform can handle that whole flow, it starts looking less like a crypto card and more like a financial account.
🇬🇧 GBP Faster Payments are becoming common across crypto-fintech apps — but the fee structure varies a lot.
Here’s what I found:
Deposit / Withdraw
• @Plasma — $0.30–$0.50* / 0.1–1%* + $1
• @Krak — £0 / £1.95
• @Nexo — £0 above £100 / £5
• @Wirexapp — £0 / £0
• @AnodosFinance — €2 above £100 / Variable
• @joinPeanut — £0* / £0*
• @Limitedgrouphq — £0 / Variable
• @nsavecom — £0 / $12.99 in USD*
• @RedotPay — Offer available, but no public fees*
Payout-only
• @KASTxyz — $3 USD + 1%
• @Jup_mobile — $2.50 USD + 0.45%
*Fees or conversion rates may vary by method, region, tier, or transaction.
But the fee isn't the whole picture.
A few things to check before transferring:
• Processing time
• Deposit & withdrawal limits
• Conversion rate / spread
• Supported countries
• Name-matching requirements
• Third-party payment restrictions
The infrastructure may look similar — the pricing doesn’t.
Looking to try MEXC? You can create your account through:
s.mexc.com/referral/1FwrXoC6…
Ordering the Jupiter physical card, and the delivery cost is definitely something to check.
Standard card: $13.13
International delivery options:
→ USPS: $7.50
→ DHL: $75
→ APC ParcelConnect: $71.03
There’s also a $30 tracked-delivery discount with a $1,500+ spend balance.
Get yours ⬇️
Get Jupiter Virtual Card for Free:
jupiter.go.link/jwGCt
Learn more about Jupiter card:
ntxguide.xyz/?card=jupiter-c…
More merchants. Simple fee structure.
@Lava_xyz Card’s BTC rewards now include:
→ Starlink — up to 5%
→ Discord — up to 5%
→ OpenAI, Anthropic, Cursor & Perplexity — eligible
→ GitLab, Supabase & Vercel — eligible
Other eligible purchases:
up to 3% US / 1% outside US
Fees
→ Card issuance: $0
→ Maintenance: $0
→ FX: 0%
Rewards can vary by merchant, region and transaction.
We're expanding the Lava Card merchant partner program.
You can now earn up to 5% back in bitcoin on eligible purchases at Starlink and Discord, alongside AI merchants like OpenAI, Anthropic and Cursor.
No annual fee, no FX fee or spread.
lava.xyz/card/partners?utm_s…
🇪🇺 EUR SEPA accounts are becoming another useful layer between traditional banking and crypto neobanks.
Several crypto-fintech platforms now support EUR transfers through SEPA, including SEPA Instant on many of them.
Here’s a fee snapshot for some of them:
Deposit / Withdraw
@Plasma — €0.30–0.50* / 0.1–1%*
@itsTuyo — €0 / €0
@Nexo — €0 above €100 / €0–€5*
@ether_fi — €0.90 + 0.15% / €0.90
@Krak — €0 / €1
@KASTxyz — 0.5% / $2 + 1%
@SolidYield — 0–0.5%* / €0
@joinPeanut — €0 / €0
@JupiterExchange — $1 + 0.1% / $1 + 0.1%
@Decaf_so — $1 + 1% / 1%
@Ready_co — €0.90 / Variable*
*Fees can depend on tier, amount, or transfer conditions.
But the fee isn't the whole picture.
A €0 SEPA fee doesn't necessarily mean you receive exactly the market EUR value. Each platform can use its own conversion rate or spread.
A few things to check before transferring:
• SEPA Instant availability
• Deposit & withdrawal limits
• Conversion rate / spread
• Supported countries
• Name-matching requirements
• Third-party payment restrictions
Most platforms require the bank account name to match the verified account, so third-party SEPA transfers may not be supported.
SEPA Instant can also make transfers arrive within minutes when supported by both sides.
Always check the platform's current limits and fee schedule before moving funds.
ntxguide.xyz
#Crypto #Fintech #SEPA #EUR #Stablecoins
Card for today: @ether_fi 💳
• Up to 4% cashback in ETHFI
• Card annual fee — $0
• Core physical card — ~$60
• EUR purchases — 0% FX markup*
• ATM — 2% Core/Luxe
• Pinnacle/VIP — $0 ATM fee
What makes it different:
• Direct Pay — spend eligible stablecoins directly
• Borrow Mode — spend against your crypto collateral without selling it
• Self-custodial vault — assets remain in your vault
• Spend priority — choose which eligible balance is used first
• Cashback in ETHFI
• Virtual + physical Visa cards
• Apple Pay / Google Pay
One detail that stands out is how the card handles spending modes. Direct Pay uses eligible balances, while Borrow Mode borrows against eligible collateral instead of selling it. Borrowed balances accrue variable interest immediately.
*FX treatment varies by currency, tier and current program terms.
Referral:
ether.fi/@c06e8314
More details:
ntxguide.xyz/?card=etherfi-c…
#Etherfi #CryptoCard #DeFi #Crypto #Stablecoins #Web3 #Fintech
Card for today: @Krak 💳
• Up to 2% uncapped cashback
• Card issuance — $0
• Monthly / annual fee — $0
• 0% Krak FX fee
• ATM fee — $0 from Krak*
What makes it different:
• Spend Order — choose which assets are spent first
• 600+ currencies/assets across the ecosystem
• Cash + crypto can fund the same card
• Cashback based on your 30-day average balance
• Cashback can be paid in BTC or local fiat
• Virtual + physical Visa card
• Apple Pay / Google Pay / Samsung Pay
The Spend Order is the feature I’d look at most closely — you can prioritize balances and block assets you don't want used.
*Third-party ATM operator fees may still apply.
More details:
ntxguide.xyz/?card=krak-card
#Krak #CryptoCard #Fintech #Crypto
💵 USD ACH accounts are becoming a new layer of crypto fintech
Crypto platforms are increasingly adding USD virtual accounts with ACH rails — allowing users to receive and send USD without relying entirely on a traditional bank.
Here’s a fee snapshot for some of them:
^^^^ — Deposit / Withdraw
@Plasma — $0 / 0.1–1%*
@itsTuyo — $0 / $0
@Nexo — 1.25% / 1.25%
@RedotPay — $15 / $2
@ether_fi — $0.50 + 0.1% / $0.50 + 0.2%
@KASTxyz — $2 / $1 + 0.08%
@SolidYield — 0–0.5%* / $0
@Lava_xyz — $0 / $0
@joinPeanut — $0 / $0
@JupiterExchange — $2 + 0.05% / $2 + 0.05%
@Decaf_so — 1% + $1 / 1%
@Ready_co — $0.50 + 0.2% / ~0.25%
*Tier-dependent.
But fees aren't the whole picture.
All of these platforms support receiving or sending USD through ACH, but eligibility, transaction limits, supported counterparties, account verification and compliance restrictions can vary.
Some also support third-party USD transfers, while others may require the sending/receiving bank account to match your verified name.
Not every platform works the same way — and that's exactly why the details matter.
ntxguide.xyz
#Crypto #Fintech #Stablecoins #ACH #USD #Web3
🔐 After an exchange breach: consider where you keep your crypto
The recent Bitget incident affected part of its hot/warm wallet infrastructure, with approximately $351.6M in assets affected. Bitget says its cold wallets remained secure.
It’s a useful reminder that keeping everything on one exchange isn't the only option.
For long-term holdings, one alternative is self-custody with a hardware wallet:
• Private keys stay offline
• You control the assets directly
• Transactions can be verified on the device
• Less exposure to exchange-specific custody risks
But self-custody comes with a different responsibility: you protect the recovery phrase. Never share it, digitize it, or enter it into a website.
A practical approach can be to separate your holdings:
Exchange → trading & liquidity
Hardware wallet → long-term storage
Hot wallet → smaller amounts & Web3 activity
No setup eliminates every risk.
The goal is to avoid having one platform, wallet, or security failure put everything at risk.
#CryptoSecurity #SelfCustody #HardwareWallet #Crypto #Web3
Card for today: @Nexo 💳
Nexo Card takes a different approach to crypto spending — one card, two modes:
• Debit Mode — spend your digital assets directly
• Credit Mode — access liquidity without selling your crypto
• Up to 2% NEXO or 0.5% BTC cashback in Credit Mode
• €200–€2,000/month free ATM withdrawals by tier
• 0.2%–0.7% FX in EEA/UK/CH
• 2%–2.5% FX in the Rest of World
• Apple Pay + Google Pay
• No monthly, annual or inactivity card fees
Nexo combines the card, digital-asset balances, rewards, borrowing and savings features within the same app.
Get Nexo:
nexo.com/ref/dmwywjnbun?src=…
Full card details:
ntxguide.xyz/?card=nexo-card
#Nexo #NexoCard #CryptoCard #Crypto
Bitget Security Incident — Sept. 24, 2026 ⚠️
@bitget confirmed unauthorized transfers involving part of its hot/warm wallet infrastructure:
• ~$351.6M in assets affected
• Detected at 18:31 UTC
• Withdrawals temporarily suspended
• Cold wallets reported secure
• Bitget says customer balances remain accurate
• $464M+ Protection Fund cited as covering the affected amount
• Root cause remains under investigation
Bitget’s September Proof of Reserves reported a 135% total reserve ratio across 19 assets. Its Protection Fund is a separate financial safeguard.
But PoR and a protection fund address different risks. PoR provides visibility into reserve backing at a particular snapshot, while the Protection Fund is intended as an additional financial safeguard. Neither is designed to explain the technical cause of an unauthorized wallet transfer.
This incident highlights several distinct security layers:
Wallet security → Transaction controls → Operational security → Reserves → Protection mechanisms → Incident response
Bitget has said a fuller incident report and root-cause analysis will follow.
#Bitget #CryptoSecurity #Crypto #Web3 #Security
Between massive exchange exploits, protocol bugs, and infrastructure failures, the amount of security breaches lately is overwhelming. @bitget losing $351.6 million is just the latest hit in what’s becoming the costliest period for crypto security.
This opens up serious questions about industry-wide security standards. If multi-million dollar defensive budgets can't stop these attacks, what part of this ecosystem can we actually trust right now? Hardware wallets feel like the only safe harbor left.
At 18:31 UTC on September 24, 2026, Bitget’s security systems identified unauthorized transfers involving a limited number of hot wallets.
Our security team immediately activated emergency response procedures and began a full investigation.
Based on our current assessment, approximately $351.6 million in assets were affected. Bitget’s cold wallets and the overwhelming majority of platform assets remain secure and unaffected.
Most importantly, user funds remain protected.
The incident falls within the coverage of Bitget’s User Protection Fund, which currently holds more than $464 million.
Customer account balances remain accurate, and deposits and trading continue to operate normally.
As a precaution, withdrawals have been temporarily suspended while our teams complete a comprehensive security review.
We have identified and flagged the relevant transfer addresses and have formally engaged law enforcement agencies and leading on-chain security partners.
We are working around the clock to restore withdrawal services as soon as it is safe to do so.
Bitget will provide further updates through our official channels.
We will not speculate on the attack vector while the investigation remains ongoing. Our focus is on protecting users, securing all systems, and delivering complete transparency throughout this process.