Monetiro229 services on the ledger · last checked October 6, 2026
ENRU
$2.00/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
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Moonwell Card

Moonwell Card

VisaVirtual and plasticSince 2024
Asks 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.

DeFi-native Visa from Moonwell + Cypher partnership — load USDC from Base wallet, OR borrow against assets and spend without selling, Apple/Google Pay, 180+ countries. NOTE: winding down as of July 2026 (Cypher acquired by Nium).

Total, per $100 spent: $2.00per $100 spent

98 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.23.

Whether to take Moonwell Card

In its favour

  • DeFi-native via Cypher partnership — borrow against assets and spend
  • 180+ supported countries
  • Accepted at 44M+ Visa merchants
  • 0% FX on USD transactions

Against it

  • DEGRADED — card partner Cypher is sunsetting (acquired by Nium): card loading disabled since Jul 8, 2026, spending ends Aug 7, 2026, platform shuts down Sep 6, 2026
  • 1.5% FX on non-USD transactions
  • ATM 3% per withdrawal, $2,000/day across max 3 withdrawals
  • 0.5% USDC load fee

Also true, in its favour

  • Apple Pay & Google Pay
  • USDC top-up from on-chain wallet on Base
  • Borrow USDC on Moonwell to pay without selling holdings

What Moonwell Card costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0.5%
To spend it
To spend outside the dollar1.5%
At a cash machine3% per withdrawal
Total, per $100 spent$2.00

Not published by the issuer: to spend, per payment, fixed.

Read off card.moonwell.fi on September 9, 2026.

Cypher (the card's issuing partner) is sunsetting after being acquired by Nium: new card loading disabled since July 8, 2026; card spending ends August 7, 2026; full platform shutdown September 6, 2026. No annual fee. USDC load 0.5%. FX: 0% USD / 1.5% non-USD. ATM 3% + $2,000/day across max 3 withdrawals. Routes through Cypher Hong Kong partner bank Reap. US blocked since May 30, 2025; also blocks China, Russia, Belarus, NK, Iran, Syria, Cuba, Venezuela and 80+ others.

KYC: what Moonwell 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

Cash, per day$2,000

Not published by the issuer: monthly spend, daily spend, per payment, maximum balance.

Confirmed on card.moonwell.fi on September 9, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in1USDC
Chains1Base
TiersVirtual, Physical

Closed to residents of 9 countries, according to the issuer's own terms.

  • Belarus
  • China
  • Cuba
  • Iran
  • North Korea
  • Russia
  • Syria
  • United States
  • Venezuela

The other flaws

  • USDC on Base only — single chain
  • Routes through Cypher → Reap (HK partner bank)
  • Full KYC via Cypher
  • US blocked since May 30, 2025

What has changed

2 recorded changes, the most recent on September 6, 2026. Each carries the page we read it on.

September 6, 2026DelistedMoonwell Card shuts down as issuing partner Cypher winds downCypher, the infrastructure partner behind Moonwell Card, was acquired by Nium in July 2026. Funding was disabled immediately, spending stopped on 7 August, and the final withdrawal deadline passed on 6 September 2026 per Cypher's own X account. The card is now fully defunct.cryptobriefing.com
July 8, 2026IncidentMoonwell Card degraded as issuing partner Cypher winds downFollowing Cypher's July 8, 2026 acquisition by Nium and platform sunset, Moonwell confirmed the Moonwell Card — issued in partnership with Cypher — is winding down too: card funding is disabled and existing cards stop working after August 7, 2026, ahead of a full shutdown on September 6, 2026.moonwell.fi

How we checked this

Thirteen fields are tracked for every service. 10 of them carry a figure we read off card.moonwell.fi on September 9, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Issuance · Monthly · Cash machine charge · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Per-payment charge · Spending limits · Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Alternatives to Moonwell Card

Takes $0.50 less on every $100 spent.Wayex Visa CardWayex Visa CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1.5% outside the dollar.AG9 Sept$1.50per $100 spent
Takes $0.51 less on every $100 spent.CoinZoom VisaCoinZoom VisaVisaVirtual and plasticAsks for everythingOperational$1.49 fixed. 1 fee field is not published.AG21 Jul$1.49per $100 spent
Costs exactly the same.MEXC CardMEXC CardVisaVirtual and plasticAsks for everythingOperationalFree to load. 1% outside the dollar, plus $1.00 fixed.AG7 Sept$2.00per $100 spent