Comparison
WaldenPay Card vs. Zypto Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
WaldenPay CardWaldenPay
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zypto.com30 Oct 2026
Image source
Source
zypto.com
Retrieved on
Logos and card pictures are trademarks of their owners and are shown for identification only.
Zypto CardZypto
In short
- Fewest documents: WaldenPay Card (No ID).
- WaldenPay Card has the best score (73.17).
| Attribute |
WaldenPay CardWaldenPay
|
Zypto CardZypto
|
|---|---|---|
| Overview | No KYC Private & business Virtual | Requires KYC Private Virtual Physical |
| Score | good | good |
| CostsWeight 25 % | 88 | 67 |
| KYC and privacyWeight 20 % | 53 | 18 |
| FeaturesWeight 15 % | 81 | 88 |
| AvailabilityWeight 10 % | 98 | 97 |
| RewardsWeight 10 % | not scored | 100 |
| TrustWeight 10 % | 89 | 76 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID | KYC: ID + proof of address |
| Limits (entry level) |
|
|
| Basics | ||
| Card formsame for all |
prepaid
waldenpay.com checked 29 Oct 2026
Two sources, two values
Shownprepaid
waldenpay.comchecked 29 Oct 2026
A prepaid card draws on funds loaded beforehand. It doesn't provide a credit line, and opening a WaldenPay account doesn't create a bank account. Someone searching for a "waldenpay crypto debit card"...Differingvalue not recorded waldenpay.comfetched 29 Oct 2026 Our verifier confirmed the shown value; the differing source is being checked. Check overdue · last 29 Oct 2026 Value wrong? History What does [s] mean? |
prepaid
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
The Zypto Premium VISA Card is a prepaid card: you load it from your crypto in Zypto App before you spend, and you spend the balance you loaded.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
The WaldenPay virtual crypto card is a virtual prepaid card funded with 135+ cryptocurrencies across 35+ networks.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
virtual, physical
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Get your card. Load your crypto. Hit the real world. The Zypto Premium VISA Card comes physical and virtual, loads with 100+ cryptocurrencies, and lets you use your crypto for real-world spending wher...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card networksame for all | unknown |
Visa
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Yes. It is a real Visa card you load with crypto in advance and spend as local currency wherever Visa is accepted, in-store, online, at ATMs and via Apple Pay and Google Pay.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Custodysame for all |
custodial
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Deposits are processed through secure wallet infrastructure with segregated hot and cold storage and continuous monitoring. Card balances are held separately from crypto deposits, limiting exposure in...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
custodial
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Upon load. Your crypto converts to local currency when you load the card in Zypto App, on your timing, not at the checkout. The balance you load is what you spend.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
fiat balance
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
WaldenPay converts crypto into card balance at loading time, rather than at each purchase. Its virtual prepaid card supports online checkout and Apple Pay or Google Pay, subject to merchant acceptance...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
fiat balance
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Your crypto converts to local currency when you load the card, on your timing, upon load, not at the checkout. Top up in Zypto App, then use your card wherever Visa is accepted.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Your card balance is held in USD. When you pay in another currency, the card network (Visa/Mastercard) applies its standard exchange rate. WaldenPay does not add its own foreign transaction markup.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Usage (differs)same for all |
personal, business
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
From everyday purchases to business expenses — real ways people use their WaldenPay cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
personal
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- You will use the Zypto Card for personal, family, or household use.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all | unknown |
Third National
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
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? |
| Limits depend onsame for all |
KYC level
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Maximum top-up amounts, per-card spending caps, and daily limits can vary by verification tier and payment network, and these are exactly the kind of numbers that change as the product evolves.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Cards per accountsame for all | unknown | unknown |
| Unknown for all | Cards per account | |
| Availability | ||
| Available insame for all |
Not available in: Afghanistan, Belarus, Cuba, Iran, Myanmar (Burma), North Korea, Russia, Syria
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Accounts cannot be opened, and cards cannot be issued or loaded, from the following jurisdictions: North Korea (DPRK) Comprehensive UN, EU and US sanctions; FATF counter-measures Iran Comprehensiv...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Crypto | ||
| Supported assets (differs)same for all |
BTC, ETH, USDT, USDC, SOL, TRX, LTC
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
The waldenpay virtual crypto card supports funding with 135+ cryptocurrencies across 35+ networks, including BTC, ETH, USDT, USDC, SOL, TRX, and LTC. Those examples aren't an exhaustive directory.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
BTC, ETH, USDC, SOL
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Number of supported assets (differs)same for all |
135
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
The waldenpay virtual crypto card supports funding with 135+ cryptocurrencies across 35+ networks, including BTC, ETH, USDT, USDC, SOL, TRX, and LTC.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
100
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
A premium black physical card for everyday spend, plus an instant virtual card for online and Apple / Google Pay. Both fund from 100+ cryptocurrencies including BTC, ETH, USDC and SOL.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up networkssame for all |
Bitcoin, Ethereum, Tron, BNB Smart Chain, Solana
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Send from whichever chain is cheapest for you — TRON, Ethereum, Solana, BNB Chain, Bitcoin and 30+ more. TRC-20 transfers usually cost under $1.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Fiat top-upsame for all | unknown | unknown |
| Unknown for all | Fiat top-up | |
| Payments | ||
| Mobile wallets (differs)same for all |
Apple Pay
Google Pay
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Cardholders can use its details online or add it to Apple Pay and Google Pay for supported in-store payments.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
Samsung Pay
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
Premium cards are available as both virtual and physical, and share the same features: 3D Secure, mobile wallet support (Apple Pay, Google Pay, Samsung Pay), full in-app management, and Visa Signature...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown |
Yes
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
- Physical: minimum $10.00 per withdrawal, maximum $250 per withdrawal - Physical: maximum $750 per day, 3 withdrawals per day - Physical: maximum $22,500 per month, 90 withdrawals per month - Virtual...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Contactlesssame for all |
Yes
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Add the virtual card to your phone's wallet and pay contactlessly in physical stores — your crypto works at the checkout counter, not just online.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Yes
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
- Your physical card ships within 1 business day, giving you full ATM access and in-store tap-to-pay on top of everything the virtual card offers.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuance (differs)same for all |
10.00 USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
$10 Card issuance One-time, when you create your cardChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Acquisition fee - Physical: not applicable - Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Physical card issuance (differs)same for all |
not applicable
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
WaldenPay currently issues virtual cards only. A virtual card covers online spending and, through Apple Pay and Google Pay, most in-store payments too. Physical cards are on our roadmap.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
50.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Card cost - Physical: $50.00, includes activation and shipping - Virtual: not applicableChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | unknown |
| Shippingsame for all |
not applicable
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
WaldenPay currently issues virtual cards only. A virtual card covers online spending and, through Apple Pay and Google Pay, most in-store payments too. Physical cards are on our roadmap.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Monthly feesame for all |
0.00 USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
$0 Monthly fee No recurring charges, everChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Monthly fee - Physical and Virtual: $0Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Annual feesame for all |
0.00 USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
No. WaldenPay has no recurring fees of any kind. You pay only when you load the card, so an unused card costs you nothing.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
0.00 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
| Annual Fees | 0$ |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Top-up feesame for all | unknown |
3 %
help.zypto.com checked 29 Oct 2026
Source and check
Source
help.zypto.com
Wording at the source
| Card load fee | 3% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all | unknown | unknown |
| Crypto conversion fee (differs)same for all |
0 %
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
WaldenPay's top-up fee starts at 5% and drops to 3% with volume — with no exchange spread and no monthly fee, you know the exact cost of every load upfront.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
3 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### Crypto conversion fee - Physical and Virtual: 3%Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Foreign currency feesame for all | unknown |
1.75 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### FX fee - Physical and Virtual: 1.75% on non-USD transactionsChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| FX free allowancesame for all | unknown | unknown |
| Minimum FX feesame for all | unknown | unknown |
| ATM feesame for all | unknown |
1 %
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
### ATM withdrawal fee - Physical: 1% - Virtual: not applicable, the Virtual card does not support ATM withdrawalChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Transaction feesame for all |
free
waldenpay.com checked 30 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Two fees only: a $10 one-time card issuance fee when you create your card, and a top-up fee when you convert crypto to card balance. The top-up fee starts at 5% and drops automatically to as low as 3%...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? History What does [s] mean? |
unknown |
| Cross-border feesame for all | unknown | unknown |
| Withdrawal feesame for all | unknown | unknown |
| Activation feesame for all |
0.00 USD
waldenpay.com checked 30 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Two fees only: a $10 one-time card issuance fee when you create your card, and a top-up fee when you convert crypto to card balance. The top-up fee starts at 5% and drops automatically to as low as 3%...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Minimum top-upsame for all | unknown | unknown |
| Declined payment feesame for all | unknown | unknown |
| Refund feesame for all | unknown | unknown |
| Inactivity feesame for all |
0.00 USD
waldenpay.com checked 29 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
There's a one-time $10 card issue fee and no monthly maintenance charge. Topping up the card carries a fee starting at 5% and dropping to as low as 3% based on rolling 30-day card spend. Holding an in...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
unknown |
| Minimum monthly spendsame for all | unknown | unknown |
| Inactivity rulesame for all |
WaldenPay may suspend or terminate an account that remains inactive for extended periods; no specific inactivity period is stated.
waldenpay.com checked 30 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
We reserve the right to suspend or terminate your account at our sole discretion if: - You violate these terms or applicable laws - We suspect fraudulent or suspicious activity - Required by law enfo...Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
unknown |
| Card replacementsame for all | unknown | unknown |
| Unknown for all | Free cards · Crypto deposit fee · FX free allowance · Minimum FX fee · Cross-border fee · Withdrawal fee · Minimum top-up · Declined payment fee · Refund fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown |
only in the app
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
Multiplier amounts and the perks each level unlocks are shown under Perks in the app, and can change over time.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
| Referral bonus (invited friend) (differs)same for all |
0.5 % of fees for 1 month
waldenpay.com checked 30 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
Tier 2 upgrades are performance-based and reviewed by our team. Instead of a markup, referral partners can pass a 0.5% first-month discount to their users — or keep it as an extra bonus.Checked Verified Value wrong? No earlier versions What does [s] mean? |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Referral bonus (you) (differs)same for all |
1 % of top-ups
waldenpay.com checked 30 Oct 2026
Source and check
Source
waldenpay.com
Wording at the source
The classic option: share your referral code and earn recurring commission on every card recharge your users ever make — not just the first one. - 1–1.5% on website referrals - Optional 0.5% first-mo...Checked Verified Value wrong? No earlier versions What does [s] mean? |
5 USD
zypto.com checked 29 Oct 2026
Source and check
Source
zypto.com
Wording at the source
When someone you refer completes the required steps, you each earn $5 in ZYPs. Simple, sharp and endlessly repeatable.Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonussame for all | unknown | unknown |
| Unknown for all | Welcome bonus | |
Early warning
Watch both cards
One mail when something changes at WaldenPay Card · Zypto Card: promotions and bonuses as well as warnings and incidents.