Ledger
VaultLeap
VaultLeapVaultLeap
VisaVirtual onlySince 2026Asks for a documentOperational
A prepaid Visa from Lead Bank that spends an external USDC balance on Base with every published fee at zero — including international — held back by a $2,000 per-transaction cap and a seventeen-country list the homepage contradicts by claiming twenty-seven.
Total, per $100 spent: $0.00per $100 spent
It takes nothing at all. 174 of the 175 priced cards cost more. Among the 101 that ask for exactly as much identity, the median is $1.00.
Open vaultleap.comNot a paid link: we earn nothing either way.
Whether to take VaultLeap
Worth it if you live in one of the seventeen countries it is actually issued in and you spend in amounts under $2,000: a genuinely zero-fee card from a US state-chartered bank is rare, and the international-spending zero is rarer still. Check the transaction cap against what you plan to buy before relying on it, and treat the homepage's "27 countries" as marketing — the help centre names seventeen, and the pricing page contradicts the help centre again on whether a US company is required.
In its favour
- Free on every published line: issuance, monthly, deposit, per-transaction and international — one of only a handful of records here where the whole schedule is zero
- Issued by Lead Bank, a Missouri state-chartered bank, with Bridge Ventures LLC as program manager — both named
- Settles directly from an external USDC deposit on Base, with no separate load step
- Real USD, EUR and MXN account details alongside the card — ACH routing, IBAN and CLABE
Against it
- The country question is answered twice and differently by the same company: the homepage says "Tap anywhere. 27 countries" while the help centre names seventeen. This record uses the seventeen, because a named list beats a count
- $2,000 per transaction rules out a laptop, most flights and most rent payments in a single swipe
- Eligibility is contradicted inside the pricing FAQ: it says "If you have a US LLC or US bank account, you can apply" while the help centre says no LLC and no U.S. or EU entity is required
- No ATM access at all
Also true, in its favour
- Apple Pay and Google Pay
- The card country list is published as an explicit seventeen-country roster rather than a count
- Stated as unaffected by the Rain exploit of 28 August 2026, in VaultLeap's own words
What VaultLeap costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $0.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| Per payment, fixed | $0.00 |
| To spend outside the dollar | 0% |
| At a cash machine | Not available — VaultLeap states the card cannot be used to withdraw cash |
| Total, per $100 spent | $0.00 |
Read off vaultleap.com on September 12, 2026.
Every line VaultLeap publishes for the card is free: issuance, monthly, deposit, per-transaction and international spending. The cost lives outside the card, in transfers: 0.75% on the free tier, 0.45% on Pro, 0% on Zero, with a 0.55% overage above $40,000 a month. Pro costs $14.99 a month or $1,000 of monthly spend; Zero needs $4,000 of monthly spend. The card is capped at $2,000 per transaction and no daily, monthly or balance limit is published. There is no ATM fee because there is no ATM. Cashback is paid in USDC on the first of the month, which is a reward rather than a discount and is not counted in the price above.
KYC: what VaultLeap 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 email19 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address113 cards
Limits on spending
Per payment$2,000
Not published by the issuer: monthly spend, daily spend, maximum balance, cash, per day.
Confirmed on vaultleap.com on September 12, 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 and in person
Account detailsIts own account details
Coins in1USDC
Chains1Base
Issued only to residents of 17 countries — the issuer runs an allowlist, so everywhere else is closed.
- Argentina
- Bolivia
- Brazil
- Colombia
- Costa Rica
- Dominican Republic
- Ecuador
- El Salvador
- Ghana
- Guatemala
- Honduras
- Mexico
- Panama
- Paraguay
- Peru
- United States
- Uruguay
The other flaws
- The site now leads with Morpho-powered yield rather than with the card, and the yield disclaimer is blunt — earnings are not guaranteed, withdrawals depend on vault liquidity, and nothing is FDIC insured
- Paid tiers exist and the free one is the slowest path: Pro is $14.99 a month or $1,000+ of monthly spend, Zero needs $4,000+ of monthly spend
- Transfer fees outside the card sit at 0.75% on the free tier, falling to 0.45% and 0%, with a 0.55% overage above $40,000 a month
- No chain list is published beyond Base, so which networks a deposit may arrive on is not fully answered
- No monthly, daily or balance limit is published — only the per-transaction cap
- No usable independent review base: the Trustpilot page returns a bot challenge from every route, so no score is recorded here
- Whether a physical card exists is not clearly answered by VaultLeap's own help article, which describes the card without settling the form
How we checked this
Thirteen fields are tracked for every service. 12 of them carry a figure we read off vaultleap.com on September 12, 2026.
- Issuer's page
- Cost per $100 · Loading chargeSeptember 12, 2026 · Currency conversionSeptember 12, 2026 · Per-payment charge · IssuanceSeptember 12, 2026 · MonthlySeptember 12, 2026 · Cash machine charge · Spending limitsSeptember 12, 2026 · Apple Pay and Google Pay
- Sign-up flow
- Identity levelSeptember 12, 2026
- Live check
- Operating statusSeptember 12, 2026
- Terms
- Countries closedSeptember 12, 2026
- The issuer does not publish
- Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open vaultleap.comNot a paid link: we earn nothing either way.
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