Monetiro229 services on the ledger · last checked October 6, 2026
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Pyra Card

Pyra Card

VisaVirtual onlySince 2025
Asks for a documentShut down

Do not use. This service has shut down. The link to the issuer is removed; the page is kept as a record.

HISTORICAL — Pyra was a DeFi-loan-backed Visa "asset neobank" letting users spend on credit while assets kept earning yield (4.6% APY on USDC/USDT and SOL), avoiding asset sales and capital gains tax. Pyra is now shutting down after the Drift exploit; existing users should withdraw funds via the web portal before September 15, 2026.

Total, per $100 spent: not published

The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.

Whether to take Pyra Card

In its favour

  • DEFUNCT — Pyra is winding down after users were hit by the Drift exploit; all cards cancelled, no new sign-ups
  • DeFi loan model: spend without selling assets (no capital gains tax)
  • 4.6% APY on USDC/USDT and 4.6% APY on SOL
  • Auto-invest paycheck into yield-bearing assets

Against it

  • SHUT DOWN — Pyra announced an orderly wind-down (pyra.fi, verified 2026-07-21) after the Drift exploit hit its business and users hard; new sign-ups have ceased and all existing Pyra cards have been cancelled
  • Withdrawals and private-key export remain available via the web portal only until September 15, 2026 — do not sign up expecting a working card
  • Timeline for Drift recovery-token distribution to affected users is not yet announced
  • DeFi loan model meant users carried a debt position to manage

Also true, in its favour

  • Self-custodial — assets stay in your wallet
  • Visa accepted at 42M+ merchants worldwide
  • 75+ countries supported for KYC

What Pyra Card costs

ChargeWhat it costs
To put money in
To load0%
Total, per $100 spentNot published

Not published by the issuer: to issue the card, monthly, to spend, per payment, fixed, to spend outside the dollar, at a cash machine.

Read off pyra.fi on September 7, 2026.

SHUTDOWN (source: pyra.fi, verified 2026-07-21): "After evaluating every available path forward, we've made the difficult decision to wind down Pyra and end operations... all existing Pyra cards have been cancelled." All user balances remain available for withdrawal via the web portal until September 15, 2026; the mobile app will also be shut down. Historical fee terms were never transparently published — top-up/FX/transaction fees not disclosed while the service was live.

KYC: what Pyra Card asks for

A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.

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

Pyra 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 in3USDC, USDT, SOL
Chains2Solana, Ethereum

Closed to residents of 1 countries, according to the issuer's own terms.

  • United States

The other flaws

  • Specific top-up/FX/transaction fees were never transparently published

What has changed

1 recorded changes, the most recent on June 16, 2026. Each carries the page we read it on.

June 16, 2026DelistedPyra shuts down after Drift exploit fallout, cancels all cardsOn June 16, 2026, Pyra announced it is ceasing operations after failing to find a sustainable recovery path following the Drift protocol exploit. All existing Pyra cards have been canceled; the withdrawal portal and private-key export stay open until September 15, 2026, after which any Drift recovery tokens will be distributed to affected users.kucoin.com

How we checked this

Thirteen fields are tracked for every service. 5 of them carry a figure we read off pyra.fi on September 7, 2026.

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

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

Alternatives to Pyra Card

Its issuer publishes nothing to compare on price.Busha CardBusha CardVisaVirtual onlyAsks for a documentOperationalPublishes 3 of five fee fields — not enough to price.AG12 Septnot published
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Its issuer publishes nothing to compare on price.Gate US CardGate US CardVisaVirtual onlyAsks for a documentOperationalPublishes 3 of five fee fields — not enough to price.AG12 Septnot published