Monetiro229 services on the ledger · last checked October 6, 2026
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$1.00/$100
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Ready Card

Ready Card

MastercardVirtual and plastic
Asks for a documentPaused

Before you continue. Sign-ups or card issuance are paused by the issuer. Cards already out may still work.

PAUSED since 29 July 2026: Ready shut down its card program after its issuer, Kulipa, wound down without notice. Co-founder Itamar Lesuisse: "We were given no notice, so if you were relying on the card today, you found out at roughly the same time we did." Eligible card subscriptions are being refunded automatically, and assets are unaffected because Ready wallets are self-custodial. Ready says it is building "the next chapter" on new infrastructure, but no relaunch date or terms are confirmed. Note the earlier shock: on 16 June 2026 Ready cut off card service for users outside the EEA with about an hour's notice. Originally a true self-custody crypto card on Starknet (formerly Argent), spending USDC on Mastercard rails.

Total, per $100 spent: $1.00per $100 spent

53 of the 174 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00.

Open ready.coNot a paid link: we earn nothing either way.

Whether to take Ready Card

In its favour

  • Self-custodial — your keys, your crypto on Starknet
  • Up to 3% cashback (Metal plan), 0.5% (Lite)
  • 0% top-up, 0% transaction fees (FX: 0% Metal, 1% Lite)
  • Spend USDC anywhere Mastercard is accepted

Against it

  • Apple Pay not yet available (coming soon)
  • Spending currency is USDC only (no longer supports USDT/ETH/WBTC/DAI/STRK)
  • Metal plan costs $120/year (annual subscription)
  • ATM fee 2% above free monthly limit

Also true, in its favour

  • Free ATM withdrawals up to $800/mo on the Metal plan (Lite paid 2% on every withdrawal)
  • Google Pay supported
  • Built by Argent team — 9 years, 0 hacks
  • Physical (Metal/Plastic) + virtual cards

What Ready Card costs

ChargeWhat it costs
To get the card
To issue the card$0.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar1%
At a cash machineMetal: free up to $800/mo, then 2%; Lite: 2% on all withdrawals
Total, per $100 spent$1.00

Not published by the issuer: monthly, per payment, fixed.

Read off ready.co on July 31, 2026.

Card program is stopped as of 29 July 2026 — no transactions are possible. Eligible card subscriptions are refunded automatically. Fee terms below applied to the discontinued Kulipa-issued program and no replacement terms have been published: 0% top-up, 0% transaction, FX 0% (Metal) / 1% (Lite), ATM free up to $800/mo on Metal then 2%, while Lite paid 2% on every withdrawal, limits $5,000/tx, $10,000/day, $30,000/rolling 30 days, Metal plan $120/year, Lite free.

KYC: what Ready 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

Monthly spend$30,000
Daily spend$10,000
Per payment$5,000
Cash, per day$500

Not published by the issuer: maximum balance.

Confirmed on ready.co on July 31, 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

WalletsGoogle Pay only
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in1USDC
Chains1Starknet
TiersLite, Metal

The issuer names no country it turns away. That is not a promise that every country works.

The other flaws

  • Starknet ecosystem only — bridge required from other chains
  • No IBAN account
  • KYC required for card issuance

What has changed

1 recorded changes, the most recent on April 29, 2026. Each carries the page we read it on.

April 29, 2026VerifiedReady launches Ready Rewards — the evolution of cashbackOn April 29, 2026 Ready introduced Ready Rewards, replacing the legacy cashback system. The new programme adds tiered point accrual on every Ready Card transaction, redeemable for stablecoin payouts and partner perks.ready.co

How we checked this

Thirteen fields are tracked for every service. 10 of them carry a figure we read off ready.co on July 31, 2026.

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

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

Open ready.coNot a paid link: we earn nothing either way.

Alternatives to Ready Card

Takes $0.05 less on every $100 spent.Mercuryo SpendMercuryo SpendMastercardVirtual onlyAsks for a documentOperationalFree to load. $0.95 fixed.AG21 Jul$0.95per $100 spent
Takes $1.00 less on every $100 spent.Belo CardBelo CardMastercardVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Takes $1.00 less on every $100 spent.YouHodler CardYouHodler CardMastercardVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent