Ledger
Cypher Card
July 8, 2026DelistedCypher is acquired by Nium, sunsets its card platformOn July 8, 2026, Nium announced it had acquired Cypher (cypherhq.io) and confirmed the current Cypher platform is winding down. Card loading was disabled immediately, the last day to use a Cypher Card for purchases is August 7, 2026, and the app, dApp and CYPR token ecosystem shut down completely on September 6, 2026.cypherhq.io
Cypher CardCypher Card
VisaVirtual and plasticSince 2022Asks for everythingShut down
Do not use. This service has shut down. The link to the issuer is removed; the page is kept as a record.
Non-custodial Visa crypto card with multi-chain USDC loading (Ethereum, Solana, Base, Polygon + 15 more) and zero-fee top-ups. Earn $CYPR token rewards on every transaction. Connect MetaMask, Trust Wallet or any WalletConnect wallet. ⚫ HISTORICAL — Cypher is being wound down following its acquisition by Nium; the current platform shuts down permanently on September 6, 2026.
Total, per $100 spent: $0.00per $100 spent
It takes nothing at all. 173 of the 174 priced cards cost more. Among the 113 that ask for exactly as much identity, the median is $1.25.
Whether to take Cypher Card
In its favour
- DEFUNCT — Cypher is winding down after being acquired by Nium; no new cards issued since July 8, 2026
- First virtual card is free; zero-fee USDC loads
- Multi-chain stablecoin support (Ethereum, Solana, Base, Polygon and 15+ networks)
- $CYPR token rewards on every purchase, no minimum spend
Against it
- SHUTTING DOWN — Cypher was acquired by Nium (announced ~July 8, 2026). Card loading disabled and new card applications/issuance ended immediately. Card spending ends Aug 7, 2026; the app, dApp and business platform go offline entirely on Sep 6, 2026, and the CYPR token is being permanently discontinued
- Not obtainable by new users — do not sign up expecting a working card
- Full KYC required (government ID) to obtain the card
- Physical PVC card costs $50; metal card requires $199/year Premium
Also true, in its favour
- Apple Pay and Google Pay supported
- Non-custodial — connect MetaMask, Trust Wallet or any WalletConnect wallet
- Issued via Reap Technologies (Hong Kong)
What Cypher Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $50.00 |
| To put money in | |
| To load | 0% |
| Total, per $100 spent | $0.00 |
Not published by the issuer: monthly, to spend, per payment, fixed, to spend outside the dollar, at a cash machine.
Read off cypherhq.io on September 9, 2026.
USDC card loads are fee-free; the first virtual card is also free. Extra virtual cards cost $10. Physical PVC card $50 (one-off, includes shipping); extra PVC $70, extra metal $139. Premium plan $199/year includes a metal card, lower forex fees and higher limits ($1M/day for Premium). Specific FX %, ATM and per-transaction fees are not disclosed on the public site. WIND-DOWN TIMELINE (source: cypherhq.io, verified 2026-07-21): Jul 8, 2026 — card loading disabled, new applications/issuance ended. Jul 16, 2026 — final rewards distribution. Aug 7, 2026 — final day to spend; all active cards canceled. Sep 6, 2026 — app/dApp/platform shut down for good; CYPR protocol permanently discontinued. Existing users can withdraw balances fee-free until Sep 6, 2026.
KYC: what Cypher Card asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Cypher Card publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in2USDC, USDT
Chains4Ethereum, Solana, Base, Polygon
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- Per-transaction Visa FX, ATM and merchant fees not published on the public site
- Country support fetched in real time — list not public
- Extra virtual card costs $10 and is non-refundable
What has changed
1 recorded changes, the most recent on July 8, 2026. Each carries the page we read it on.
How we checked this
Thirteen fields are tracked for every service. 6 of them carry a figure we read off cypherhq.io on September 9, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Issuance · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Currency conversion · Per-payment charge · Monthly · Cash machine charge · Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
