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Comparison

Kem Card vs. Wayex Visa Card compared

  • Illustration Drawn by us from the provider logo and card colours, not the official card picture. Drawn on Kem CardKem
  • Image source Source wayex.com Retrieved on Logos and card pictures are trademarks of their owners and are shown for identification only. Wayex Visa CardWayex

In short

  • Wayex Visa Card has the lowest foreign currency fee (1.5 %).
  • Wayex Visa Card ask for the least (ID document).
  • Wayex Visa Card has the higher score (65.5).
Attribute Kem CardKem Requires KYC Private Virtual Physical Wayex Visa CardWayex Requires KYC Private & business Virtual Physical
Score average good
CostsWeight 25 % 67 88
KYC and privacyWeight 20 % 0 35
FeaturesWeight 15 % 75 91
AvailabilityWeight 10 % 97 not scored
RewardsWeight 10 % 65 not scored
TrustWeight 10 % 78 79
CommunityWeight 10 % not scored not scored
KYC KYC: Full verification KYC: ID document
Limits (entry level) no limits captured
  • Top-up per day: not published
  • Top-up per month: not published
  • Spending per day: only in the app
+4
Basics
Card form (differs) debit Source and check Source kemapp.io Wording at the source The Kem Card is a Visa-network debit card connected to your Kem app wallet. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? prepaid Source and check Source wayex.com Wording at the source The Prepaid Debit Visa Card (the "Card") is issued by Lead Bank pursuant to licensing by Visa U.S.A. Inc. and may be used everywhere Visa is accepted. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card types virtual, physical Source and check Source kemapp.io Wording at the source The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? virtual, physical Source and check Source wayex.com Wording at the source Load your Wayex account with stablecoins, get your virtual or physical card, and spend anywhere Visa is accepted. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card network Visa Source and check Source kemapp.io Wording at the source The Kem Card is a Visa-network debit card connected to your Kem app wallet. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Visa Source and check Source wayex.com Wording at the source Your virtual Visa card is created the moment you ask for it. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Custody custodial Source and check Source kemapp.io Wording at the source Client digital assets may be held: • in segregated blockchain wallet addresses; or • through regulated or approved third-party custodial service providers. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? custodial Source and check Source wayex.com Wording at the source - Wallet: Custodial account for Digital Assets operated by Wayex or its appointed custodian. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Funding model stablecoin balance Source and check Source kemapp.io Wording at the source It draws from your USDT balance and lets you spend at any Visa-accepting merchant — online, in-store, or while traveling — across more than 150 countries. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? stablecoin balance Source and check Source wayex.com Wording at the source Deposit USDC, USDT, DAI or PYUSD, or fiat over local rails. It all becomes one USD balance that spends anywhere Visa is accepted. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Card currencies USD Source and check Source kemapp.io Wording at the source If you make a transaction using your Account in a foreign currency (including, for example, online purchases from a merchant located outside of the U.S.), the credit card association will convert any... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? USD Source and check Source wayex.com Wording at the source Your balance displays in USD no matter which coin, chain or currency you deposit. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Usage (differs) personal Source and check Source kemapp.io Wording at the source The primary purpose of your Account is for personal expenses. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? personal, business Source and check Source wayex.com Wording at the source Consumers and businesses increasingly need money to move as freely as they do. By pairing stablecoin innovation with Visa's secure, global network, we're helping make cross-border payments faster, sim... Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Issuer / BIN sponsor (differs) Third National Source and check Source kemapp.io Wording at the source "Issuer" refers to the issuer of the card program. The issuer for this card program is Third National. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Lead Bank Source and check Source wayex.com Wording at the source Issued by Lead Bank. Program managed by Bridge, a Stripe company. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Limits depend on (differs) unknown user setting Source and check Source wayex.com Wording at the source Per-transaction and daily caps, changed in seconds. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Cards per account unknown unknown
Availability
Available in (differs) unknown only in the app Source and check Source wayex.com Wording at the source The Wayex card is offered across multiple regions. Availability and eligibility vary by jurisdiction and verification status. Check the Wayex app or contact support to confirm availability in your loc... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Crypto
Supported assets (differs) USDT Source and check Source kemapp.io Wording at the source The Kem Card is funded by USDT (Tether). You can also hold USD, gold, and crypto in the Kem app, all convertible to USDT for spending. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? USDT, USDC, DAI, PYUSD Source and check Source wayex.com Wording at the source Wayex currently supports USDC, USDT, DAI, and PYUSD. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Number of supported assets unknown unknown
Top-up networks (differs) Ethereum, Polygon, Arbitrum, Optimism Source and check Source kemapp.io Wording at the source "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of the Issu... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Ethereum, Tron, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche, Stellar Source and check Source wayex.com Wording at the source Ethereum · Solana · Base · Arbitrum · Avalanche · Optimism · Polygon · Stellar · Tron · Celestia Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fiat top-up Yes Source and check Source kemapp.io Wording at the source Kem supports Apple Pay, Debit and Credit card, your wallet balance, and deposits from external crypto wallets. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source wayex.com Wording at the source Deposit DAI, USDT, USDC or PYUSD across 10+ blockchains, or fiat over local rails like ACH, SEPA, Faster Payments, SPEI and PIX. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Payments
Mobile wallets (differs) Apple Pay Source and check Source kemapp.io Wording at the source The Kem Card is accepted at all merchants that accept Apple Pay in physical stores, and the card number works on any e-commerce or digital purchase. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Apple Pay Google Pay Source and check Source wayex.com Wording at the source Apple Pay and Google Pay built in Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
ATM withdrawals Yes Source and check Source kemapp.io Wording at the source - Physical card — available for in-store, ATM, and tap-to-pay use Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source wayex.com Wording at the source - Transaction: Any buy/sell/convert/send/load/withdrawal or card purchase/ATM transaction. Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Contactless Yes Source and check Source kemapp.io Wording at the source - Physical card — available for in-store, ATM, and tap-to-pay use Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? Yes Source and check Source wayex.com Wording at the source Durable, minimalist plastic with contactless and magstripe where needed. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Fees
Virtual card issuance 0.00 USD Source and check Source kemapp.io Wording at the source The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 USD Source and check Source wayex.com Wording at the source | Card issuance | Free | Free | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Physical card issuance (differs) 0.00 USD Source and check Source kemapp.io Wording at the source The Kem Card is a free Visa card that lets you spend USDT — the world's most liquid stablecoin — at any Visa merchant worldwide. No bank account needed. No issuance fee. No monthly charges. Apply in t... Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Free cards unknown unknown
Shipping (differs) unknown not published Source and check Source wayex.com Wording at the source | Physical card delivery | N/A | TBD | Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean?
Monthly fee 0.00 USD Source and check Source kemapp.io Wording at the source Yes. There is no card issuance fee and no monthly or annual fee for the Kem Card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 0.00 USD Source and check Source wayex.com Wording at the source | Monthly maintenance | Free | Free | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
Annual fee (differs) 0.00 USD Source and check Source kemapp.io Wording at the source Yes. There is no card issuance fee and no monthly or annual fee for the Kem Card. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Top-up fee unknown unknown
Crypto deposit fee unknown unknown
Crypto conversion fee unknown unknown
Foreign currency fee (differs) 3 % Source and check Source kemapp.io Wording at the source Foreign Exchange Fee (non USD): up to 3% Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? 1.5 % Source and check Source wayex.com Wording at the source | Non-USD spend | 1.5% FX fee | 1.5% FX fee | Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean?
FX free allowance unknown unknown
Minimum FX fee unknown unknown
ATM fee (differs) only in the app Source and check Source kemapp.io Wording at the source - ATM withdrawals: Available (check app for current limits and any applicable fees) Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Declined payment fee unknown unknown
Refund fee unknown unknown
Inactivity fee unknown unknown
Minimum monthly spend unknown unknown
Inactivity rule (differs) The account remains active after a long period without use; no inactivity period is specified. Source and check Source kemapp.io Wording at the source Your account would still be active for whenever you'd like to come back. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Card replacement (differs) not published Source and check Source kemapp.io Wording at the source We will disclose any Fees to you when you are approved for a Kem Card through your Kem Account, by updating these Card Terms, or through our website. We may update, add, or change Fees upon 30 days' n... Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Rewards
Cashback (differs) 2–5 % Source and check Source kemapp.io Wording at the source Pay with your Kem card and earn instant cashback — up to 5% back on food delivery, plus rides and flights across the region. Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? unknown
Referral bonus (invited friend) unknown unknown
Referral bonus (you) unknown unknown
Welcome bonus unknown unknown

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