Cypher Card.
Non-custodial Visa crypto card with multi-chain USDC loading (Ethereum, Solana, Base, Polygon + 15 more) and zero-fee top-ups. Earn $CYPR token rewards on every transaction. Connect MetaMask, Trust Wallet or any WalletConnect wallet. ⚫ HISTORICAL — Cypher is being wound down following its acquisition by Nium; the current platform shuts down permanently on September 6, 2026.
Pros.
- +⚫ DEFUNCT — Cypher is winding down after being acquired by Nium; no new cards issued since July 8, 2026
- +First virtual card is free; zero-fee USDC loads
- +Multi-chain stablecoin support (Ethereum, Solana, Base, Polygon and 15+ networks)
- +$CYPR token rewards on every purchase, no minimum spend
- +Apple Pay and Google Pay supported
- +Non-custodial — connect MetaMask, Trust Wallet or any WalletConnect wallet
- +Issued via Reap Technologies (Hong Kong)
Cons.
- −⚫ 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
- −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
Detailed fee breakdown.
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.