Adam | Onehunnit.eth

Payments Strategy Professional | Payment Card Expert |💡views are my own

[Kseilas @xKseilas]

10 crypto cards ranked by the euro rate

Paying in euros with a crypto card can cost you up to 3%.

Plasma One just made FX free on Premium, up to $3,000 a month. Most cards still charge for euros, even the ones that say they don't.

Same purchases, same day, ranked by the rate that actually hit the card:

@ether_fi
> Market rate, about 0%
> Best result in 6 tests

@wirex_one
> Under 0.5% over market

@lava_xyz
> Under 0.5%

@MetaMask
> About 1%
> It's the cross-border fee on the free tier

@Krak
> About 1%
> Krak's FAQ says the spread sits in selling your USDC

@avici
> A bit over 1%
> Visa's fee, passed on. Avici adds no markup of its own

@JupiterExchange
> About 1%
> Shows up as a separate "Visa conversion fee" line

@useTria
> Close to 2%
> Help center says zero FX fees

@KASTxyz
> Over 2%, plus a flat fee on small purchases
> Worst or close to worst in almost every test

@Solayer_Pay
> About 3%, plus a flat fee on small purchases
> Worst in both tests

Why "no FX fee" still costs 1-2%: most of these cards are issued by US banks. Every euro purchase is cross-border for them, Visa charges the issuer about 1%, and it gets passed to you.

For a trip to Europe I'd take https://t.co/WYofN4mmIQ or Wirex One. KAST and Solayer I'd keep for USD only.

https://t.co/pzu9UAOxKh

[Bilt @BiltRewards]

We are pleased to announce that Bilt has acquired LAVA in a $300M deal, bringing 56 sports franchises across the NFL, NBA, MLB, NHL & MLS into Bilt’s network of 50,000+ neighborhood merchants. That includes the Detroit Lions, Denver Nuggets, Carolina Hurricanes, and LAFC, among many more.

When the home team wins, the whole neighborhood should feel it. Imagine that win unlocking a benefit at your favorite restaurant, a celebration at a local bar, or a meet-and-greet with your favorite player.

With Bilt’s AI-powered Fan Concierge, fans can buy tickets, get seat upgrades, book dinner before a game & plan travel to an away game. For teams, it’s a new way to sell tickets, grow sponsorship and overall revenue, and engage fans 24/7/365, not just on game day.

Read all the details here: https://t.co/hIjg8v82PH

[Nikiton @Nikitont]

CRYPTO CARD CREATOR PROGRAMS 💳

43 crypto card / 18 creator, KOL, affiliate, or referral opportunities.

If you're a content creator looking to collaborate with crypto card projects, this list might be useful.

Projects worth checking out:

Direct KOL / Creator / Ambassador Programs:
- @RedotPay - KOL Program, Affiliate Program, Redot Angels. Dedicated influencer partnerships, commissions, and bonus campaigns.
- @KASTxyz - Ambassador Program, paid campaigns, content creation, and long-term collaborations.
- @trustee_io - Partnership program for bloggers and media owners, with rewards for referred users.
- @Krak - Creator / Affiliate Program, custom deals, revenue share, and dedicated account managers.
- @okx - Card Ambassador Program, commissions for card activations and spending by referred users.
- @coinbase - Pro Affiliate Program for major KOLs and content creators, with customized terms.
- @TradeRepublic - Influencer and affiliate partnerships, including collaborations with content creators.
@PulsarMoneyApp - actively collaborates with content creators, offering attractive terms and promotional campaigns.
@BitgetWallet - great product and a strong marketing team. Creators can reach out directly to explore potential collaborations.
@coca_card - always open to working with content creators. Reach out to discuss custom partnership terms.

Affiliate / Referral / Partnership Programs:
- @wirex_one - a Referral Program with good conditions.
- @ether_fi - Affiliate Program with multi-tier commissions for card activations and spending by referred users.
- @Bybit_Official - Affiliate Program for bloggers and influencers, plus a separate Bybit Card referral mechanism.
- @Bitpanda - Affiliate Program with CPA and Revenue Share models.
- @solcard - Affiliate / Referral Program with commissions on deposits from referred users, promotional materials, and a dashboard.
- @AgoraCards - Regional card distribution opportunities and individually negotiated partnership terms.
- @0xinfini - Referral Program with rewards for card activations and transactions made by referred users.
Some offer direct paid campaigns, others focus on referral commissions or long-term partnerships.

If you know other crypto card projects currently looking for creators, drop them below.

Let's make this list bigger.

[Adam | Onehunnit.eth @AdamOnPayments]

Big day for @coinbase. Partnering with @Citi bank on stablecoin money movement and digitizing ripping Pokemon packs.

Great time to be alive.

[Adam | Onehunnit.eth @AdamOnPayments]

@sytaylor @jevgenijs @nubank conquered their native market. Now it’s time for more.

[Rain @raincards]

Introducing real-time funding.

Connect an existing wallet directly to your stablecoin card.

Your wallet balance now powers your card spend in real time.

No separate balance to manage.

[Paqi @Paqi_Asiya]

Your brand and distribution matters. The knowledge gap of “the tech” is dwindling and the complexity of stablecoins and money movement is going to zero. As a neobank, think about how to build your moat outside of just the tech

[Adam | Onehunnit.eth @AdamOnPayments]

@Paqi_Asiya 👏🏼

[The Kobeissi Letter @KobeissiLetter]

BREAKING: The Crypto Clarity Act officially fails to pass in the Senate in a major setback for US crypto regulation.

[Nikiton @Nikitont]

WEB3 Cards / Major updates

I have compiled exactly what will be useful to everyone.

@payy_link / Visa card is dead (virtual + physical + Apple/Google Pay shut around 31 Aug–5 Sep).
@avici / €75 welcome credit through 14 Sep; SEPA in/out, 0% tx fees.
@PulsarMoneyApp / Pulsar Pro on 16 Sep: selectable cashback plus points on transport/travel.
@Krak / @krakenfx / salary bonus up to €250/mo in 24 EEA countries if paid into Krak; Metal card has no number/CVV on the plastic.
@raincards / MoneyGram Card is live: payouts in 50 currencies across 80+ countries from a stablecoin balance.
@kardpay / 200 early-bird physical cards sold out; shipping mid-October.
@RedotPay / QR pay in Brazil, Colombia, and Peru; Pro users can gift a card that earns 3% on Apple/Google Pay.
@gnosispay / web signups closed 4 Sep; GNO cashback ends 30 Sep; no new cards on existing accounts after 30 Sep / set up a backup / migrate to Rebind.
@ether_fi / cashback now in ETHFI; Luxe/Pinnacle/VIP get up to 30% on AI/food/streaming/travel; $5 min claim and 7-day clearing; until 18 Sep, 1 in 10 iPhone pre-orders free.
@coca_card / 50% cashback on Claude; Starter: virtual card, EUR IBAN, 1% cashback + 5% APY.
@trustee_io / first card effectively free: 10 USDC issuance refunded after $50+ spend in 7 days.
@oobit / until 1 Oct, up to 10% cashback from purchase #1, no tiers.
@wirexapp / Tempo added as a settlement layer; on-chain Visa settlement in USDC and EURC.
@Bybit_Official / 15% off Tomorrowland Brasil 2027 tickets; pre-sale 21 Sep.
@okx / OKX Card now 2% cashback, capped at €100 in September.
@DeblockApp / free XCover insurance: Standard = purchase protection; Premium = travel + car rental.
@KoloHub / EUR IBANs live: SEPA Instant, €1 flat, 24/7.
@xplaceapp / they charge 0%; Visa takes 1%.
@Goblin_cards / physical no-KYC Mastercard with XMR support; $350 entry, 3.5–4% load, ATM ~$500/day.
@LasoFinance / no-KYC virtual card; often ~$1k cap per card and a fee to refund unused balance.
@xhypeofficial / XKARD, about $9–20/mo, 2.3–4.5% load.
@AgoraCards / virtual $90, physical $500; EU/Asia physical cards via GoDarkEU.
@JupiterExchange / free virtual Visa, USDC 1:1 to USD, ~2–4% cashback; physical card not out yet.
@Plasma / 20% back on Apple until 25 Sep and Dyson until 22 Sep (capped, paid in XPL); Core up to 3%, AI up to 5%.
@MetaMask / spend USDC/USDT from your own wallet; free virtual, $199 metal in the US, 1–3% cashback in mUSD.
@coinbase / US debit up to 4%; separate One Amex card pays 2–4% in BTC.
@Bitpanda / EU Visa, 1% in the same crypto, 0% FX.
@TradeRepublic / 1% EUR saveback on a real IBAN.
@usemotocard / watch out for a fake site/account.

If you see something interesting, share it in the comments!

[Adam | Onehunnit.eth @AdamOnPayments]

@KASTxyz 🎁💳

[sam lessin 🏴‍☠️ @lessin]

It blows my mind that I can't use a hardware key to secure my JPM account... /only 2FA option is your phone. This is going to end so badly.

[Adam | Onehunnit.eth @AdamOnPayments]

@robiosss Let’s connect.

[Adam | Onehunnit.eth @AdamOnPayments]

@MichaelRihani 👏🏼

[Adam | Onehunnit.eth @AdamOnPayments]

@gminoprio @nubank 👀😎

[Simon Taylor @sytaylor]

ITS HERE! @Nubank's US bank has launched with savings, cards and remittances. 🚀

It's launching in partnership with Lead Bank while it waits for its full charter.

- Offers a 3.5% annual percentage yield (APY) on deposits.

- If you get a credit card, it becomes 4.5%
- The credit card has no annual fee with UNLIMITED 1.5% cashback on purchases.
- Cashback will be 2% if you bring over direct deposit.
- No annual fee with 1.5% cashback on purchases.

And coming soon a multi-currency, stablecoin-based account supporting interest earnings and transfers to 35 countries across Latin America and Europe

---

Listening to the co-founder Cristina talk about the nature of the US banking system

- The US banking system writes more checks than anywhere on earth
- The mortgage division doesn't know about your checking account
- Cashback cards always come with a catch

"All of that nonesense has a name, its called complexity, and its been the thing we've been fighting for 13 years"

When you move to the US, people who've seen what a bank can be with Nubank, they miss having a simple experience.

---

So here's the US launch: Nubank got conditional OCC approval in January, and they're announcing their proposition today.

Their first customer is the growing latin american diaspora.

Mexicans in the US send around $63bn home a year. Nu has 15m accounts in Mexico ready to receive it and a WhatsApp remittance rail built in 2024. The US bank puts Nu on the sending side of a corridor it already owns the receiving side of.

Can they make it?

BBVA, N26 and Monzo came to the US to fight Chime for the same customer, and left. Chime spent $635m on marketing last year to add 1.5m active users.

Nu's growth in Brazil was word of mouth. In the US, word of mouth crosses a border: your cousin in Guadalajara already has the purple card.

Vélez says Nu's cost to serve is 4% to 5% of a traditional bank's. That is how you fund a 4%+ savings rate and a no-fee card inside a $250m budget.

The first million US accounts come from the diaspora before Nu ever buys a Super Bowl ad

I'm interviewing David Vélez for the podcast TOMORROW. What would you ask him?

[Adam | Onehunnit.eth @AdamOnPayments]

@Shawshank__ @big_duca Well said.

[Adam | Onehunnit.eth @AdamOnPayments]

⚡️

[a16z Frontier @a16zfrontier]

“Buying crypto” with pesos means “buying dollars” in Argentina.

94% of peso crypto trading goes to stablecoins — the highest stablecoin share of any major currency @artemis tracks.

[Adam | Onehunnit.eth @AdamOnPayments]

@stabledash We are at a point where great customer service and support should be built directly into every value proposition.

[Adam | Onehunnit.eth @AdamOnPayments]

@Paymentscan 🚅