The Wayex Visa Card is a prepaid debit Visa card from Wayex, available as a virtual and a physical card. It is issued by Lead Bank; Bridge Ventures LLC (a Stripe company) is the program manager. Wayex Global S.A. is based in Panama.
Funding: You deposit USDC, USDT, DAI or PYUSD on Ethereum, Tron, Solana, Polygon, Arbitrum, Base, Optimism, Avalanche or Stellar, or fiat over local bank rails such as ACH, SEPA, Faster Payments, SPEI and PIX. Everything is held as one custodial USD balance that the card spends from.
Fees: Card issuance costs 0.00 USD for the virtual card and unknown for the physical card; monthly maintenance is 0.00 USD. Spending in currencies other than USD carries an FX fee of 1.5 %. DAI and USDC deposits are fee-free, while USDT deposits carry a deposit fee. Physical card delivery and physical card replacement are not yet priced (listed as "TBD").
Usage: Apple Pay, Google Pay and contactless payments are supported, and ATM withdrawals are part of the service. Per-transaction and daily caps are set by you in the app; Wayex does not publish the amounts of its own daily/monthly spending, loading or ATM limits.
KYC and availability: Identity verification with an ID document is required before use (Wayex states it can take as little as two minutes); business accounts may need additional KYB documents. Wayex does not publish a country list — availability must be checked in the app. Residents, citizens or persons located in countries sanctioned by the UN, FATF, EU or US (OFAC), or in jurisdictions that prohibit crypto services, are excluded.
Support is available via in-app chat and email.
automatically created
Basicswayex-visa-card
- Card form
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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
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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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? - Card network
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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
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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
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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
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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
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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? - Limits depend on
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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? - Mobile wallets
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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
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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
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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 and cashback
| Attribute | Value |
|---|---|
| Fees | |
| Virtual card issuance |
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 |
|
| Shipping |
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
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 | unknown |
| Top-up fee |
|
| Crypto deposit fee | unknown |
| Crypto conversion fee | unknown |
| Minimum conversion | unknown |
| Foreign currency fee |
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? |
| Minimum FX fee | unknown |
| ATM fee | unknown |
| Merchant-specific fee | unknown |
| Declined payment fee | unknown |
| Refund fee | unknown |
| Inactivity fee | unknown |
| Minimum monthly spend | unknown |
| Inactivity rule | unknown |
| Card replacement |
|
| Plan waivers | unknown |
| Cashback & rewards | |
| Cashback | unknown |
Amounts in your display currency are approximations (hover or tap for the original and the rate) · exchange rate of
KYC and limits
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ID document
ID document, often with a selfie or video ident
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KYC at Wayex
review time as little as two minutes
Source and check Source wayex.com Wording at the source
Download the app and verify your identity. KYC takes as little as two minutes.
Checked Verified Value wrong? No earlier versions What does [s] mean?Requires: ID document
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| Limits | Value | User-adjustable |
|---|---|---|
| Top-up per day |
not published
Source and check
Source
wayex.com
Wording at the source
Daily/monthly limits apply to loads, conversions, ATM withdrawals, and spending. Limits can change due to risk or compliance or other operational events.Checked Verified Add this value? No earlier versions What does [s] mean? |
– |
| Top-up per month |
not published
Source and check
Source
wayex.com
Wording at the source
Daily/monthly limits apply to loads, conversions, ATM withdrawals, and spending. Limits can change due to risk or compliance or other operational events.Checked Verified Add this value? No earlier versions What does [s] mean? |
– |
| Spending per day |
only in the app
Source and check
Source
wayex.com
Wording at the source
No branches, no card in the post, no activation calls. The whole flow lives in the app.Checked Verified Add this value? No earlier versions What does [s] mean? |
yes |
| Spending per month |
not published
Source and check
Source
wayex.com
Wording at the source
Daily/monthly limits apply to loads, conversions, ATM withdrawals, and spending. Limits can change due to risk or compliance or other operational events.Checked Verified Add this value? No earlier versions What does [s] mean? |
– |
| ATM per day |
not published
Source and check
Source
wayex.com
Wording at the source
Daily/monthly limits apply to loads, conversions, ATM withdrawals, and spending. Limits can change due to risk or compliance or other operational events.Checked Verified Add this value? No earlier versions What does [s] mean? |
– |
| ATM per month |
not published
Source and check
Source
wayex.com
Wording at the source
Daily/monthly limits apply to loads, conversions, ATM withdrawals, and spending. Limits can change due to risk or compliance or other operational events.Checked Verified Add this value? No earlier versions What does [s] mean? |
– |
| Single payment per transaction |
only in the app
Source and check
Source
wayex.com
Wording at the source
No branches, no card in the post, no activation calls. The whole flow lives in the app.Checked Verified Add this value? No earlier versions What does [s] mean? |
yes |
Business use (KYB)
Only relevant if the card is requested for a company.
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No ID
e-mail, phone or personal details, no ID document
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Business account KYC/KYB at Wayex
Source and check Source wayex.com Wording at the source
If you open an account on behalf of a legal entity, you represent that you are authorised to bind that entity. Additional KYC/KYB documentation may be required.
Checked Verified Value wrong? No earlier versions What does [s] mean?Requires: no further documents
In some cases: Company documents (KYB) (on request: Additional KYC/KYB documentation may be required for accounts opened on behalf of a legal entity.)
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KYC: ID document Identity verification is required from the first level.
When is KYC needed?
- Risk reviewAfter a risk review at its own discretion, Wayex may request additional documents such as proof of source of funds.
Source and check
Source
wayex.com
Wording at the source
Sanctions/AML/PEP screening may trigger false positives, requiring additional verification.
Checked Verified Value wrong? History What does [s] mean?
Availability
| Attribute | Value |
|---|---|
| Available in |
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 28 Oct 2026 Add this value? Unchanged since 28 Oct 2026 What does [s] mean? |
| Residency requirement |
Users must not be located in, or be citizens or residents of, a country sanctioned by the UN, FATF, EU or US (OFAC), or a jurisdiction that prohibits crypto-related services.
Source and check
Source
wayex.com
Wording at the source
You must not be located in, or a citizen or resident of, any country that is sanctioned by the United Nations, FATF, the European Union, the United States (OFAC list), or any jurisdiction that prohibi...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
Key countries
- Germany unknown
- Austria unknown
- Switzerland unknown
- United States unknown
- United Kingdom unknown
- France unknown
- Spain unknown
- Italy unknown
- Netherlands unknown
- Türkiye unknown
- Brazil unknown
- Nigeria unknown
- India unknown
- United Arab Emirates unknown
- Singapore unknown
✓ available · ✗ not available · ? not known from the sources
Crypto
| Attribute | Value |
|---|---|
| Supported assets |
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 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Number of supported assets | unknown |
| Top-up networks |
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 · CelestiaChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Spending order | unknown |
| Fiat top-up |
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? |
Bonuses and promotions
What Wayex offers itself: referral bonus, welcome bonus, running promotions and partner programme. Values of the provider, with source; no affiliate link in it.
Partner programme: yes (own programme)
Details
Source and check
Source
wayex.com
Wording at the source
Monetise your reach and help your audience spend stablecoins anywhere Visa is accepted. Earn recurring revenue on active users you refer.
Apply Now
Checked
Verified
What does [s] mean?
Trust
| Attribute | Value |
|---|---|
| Issuer / BIN sponsor |
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? |
| Program manager |
Bridge Ventures LLC
Source and check
Source
wayex.com
Wording at the source
Bridge Ventures LLC ("Bridge") is not a bank. Bridge is a financial technology company and is the Program Manager responsible for managing and operating the Card on behalf of Lead Bank.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
| Headquarters |
Available in: Panama
Source and check
Source
wayex.com
Wording at the source
Wayex Global S.A. Province of Panama, district of Panama, Betania, Vía Ricardo J. Alfaro, PH The Century Tower, office three hundred seventeen (317).Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 29 Oct 2026 What does [s] mean? |
| Support channels |
chat, email
Source and check
Source
wayex.com
Wording at the source
Our support team is available 24/7 through the Wayex app, email, or our help center.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
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Company founded 2018
Source and check
Source
wayex.com
Wording at the source
Wayex was founded in 2018 with a vision to make stablecoins accessible for everyday spending, starting in Australia.
Checked Verified -
Card since 02/2026
Source and check
Source
wayex.com
Wording at the source
2026-02-03· Wayex Newsroom # From university startup to global financial platform, Wayex Global launches in over 160 countries Sydney, Australia — 04/02/2026 — Australian fintech Wayex, founded as C...
Checked Verified
Issuer
Issued by Lead Bank. Program managed by Bridge, a Stripe company.Checked Verified Licensed Issues 2 card programmes in our catalogue
Company
| Founded | 2018
Source and check
Source
wayex.com
Wording at the source
Wayex was founded in 2018 with a vision to make stablecoins accessible for everyday spending, starting in Australia.Checked Verified |
|---|---|
| Headquarters | Panama
Source and check
Source
wayex.com
Wording at the source
Wayex Global S.A. Province of Panama, district of Panama, Betania, Vía Ricardo J. Alfaro, PH The Century Tower, office three hundred seventeen (317).Checked Verified |
| Legal form | corporation
Source and check
Source
wayex.com
Wording at the source
Wayex Global S.A. ("Wayex", "we", "our", or "us"), a corporation registered in the Republic of PanamaChecked Verified |
| Registered address | Province of Panama, district of Panama, Betania, Vía Ricardo J. Alfaro, PH The Century Tower, office three hundred seventeen (317).
Source and check
Source
wayex.com
Wording at the source
Wayex Global S.A. Province of Panama, district of Panama, Betania, Vía Ricardo J. Alfaro, PH The Century Tower, office three hundred seventeen (317).Checked Verified |
Size
| Management | Andrew Grech (CEO)
Source and check
Source
wayex.com
Wording at the source
Andrew Grech, CEOChecked Verified |
|---|
Card history
| Card launched | 02/2026
Source and check
Source
wayex.com
Wording at the source
2026-02-03· Wayex Newsroom # From university startup to global financial platform, Wayex Global launches in over 160 countries Sydney, Australia — 04/02/2026 — Australian fintech Wayex, founded as C...Checked Verified |
|---|
Transparency
Transparency 71 %
1 of 17 key values not published
- Imprint / company details: no
- Public fee schedule: yes
- Cardholder agreement: no
- Terms and conditions: yes
- Terms with version or date: yes
Sources last checked 2026-10-29
Licences
Licence of the card issuer Lead Bank
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Federal Deposit Insurance Corporation (FDIC)
Source and check
Source
api.fdic.gov
Wording at the source
"ACTIVE": 1, "CERT": 8283, "CHRTAGNT": "STATE", "ID": "8283", "NAME": "Lead Bank", "STNAME": "Missouri"
Checked Verified What does [s] mean? Bank licence 8283 (US) Register entry
What users report
No community reports evaluated yet.
How the score is made up
65.5 of 100 · good
Weighted sum of the criteria, each 0 to 100 from proven values. A criterion without data is not scored and counts neutral, not as 0.
Methodology and weights-
CostsWeight 25 %21.9 of 25 points
monthly/annual fee, top-up, FX and ATM fees
-
KYC and privacyWeight 20 %7.0 of 20 points
KYC class needed, KYC-free allowance
-
FeaturesWeight 15 %13.7 of 15 points
wallets, physical card, ATM, assets, chains
-
AvailabilityWeight 10 %not scored counts neutral (5.0)
number of countries, EU/US/UK
-
RewardsWeight 10 %not scored counts neutral (5.0)
cashback considering caps and staking requirements
-
TrustWeight 10 %7.9 of 10 points
licences, incidents, company and card age, issuer, ownership, security, transparency
Trust in detail
- LicencesWeight 15 % not scored
- Company age (up to 5 years)Weight 10 % 100
- Card on the market (up to 3 years)Weight 10 % 22
- IssuerWeight 15 % 88
- OwnershipWeight 10 % not scored
- Security evidenceWeight 15 % not scored
- TransparencyWeight 10 % 71
- Incidents (12 months)Weight 15 % 100
-
CommunityWeight 10 %not scored counts with the median (5.0)
ratings and reports, damped, neutral with too little data
Early warning
Alerts for this card
We tell you what changes at Wayex Visa Card and Wayex, with evidence for every alert.
Changelog
Market launch: February 1, 2026.
Score changed from 66.4 to 65.5.
Score changed from 66.25 to 66.4.
New: Partner programme · Publishers.
New logo.
Headquarters: Panama.
Score changed from 64.75 to 66.25.
Changes to licences.
Score changed from 64.44 to 64.75.
Changes to licences.
Score changed from 65.59 to 65.35.
Changes to KYC levels and requirements.
Score changed from 62.59 to 65.59.
Changes to licences.
Changes to limits.
Changes to KYC levels and requirements.
Score changed from 65.71 to 62.59.
Score changed from 53.21 to 65.71.
Score changed from 53 to 53.21.
Changes to KYC levels and requirements.
Apply for Wayex Visa Card directly with the provider.
All information without guarantee; the provider’s terms are binding. No investment or financial advice: scores are methodical comparisons, not recommendations.