TL;DR.Pyra Card is a Visa crypto debit card (Virtual, KYC: Light KYC). Cost per $100 spent: n/a. Top-up fee 0%, FX fee n/a. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 11, 2026.
CARD PROFILE · LIGHT KYC
Pyra Card.
First "asset neobank" — DeFi-loan-backed Visa lets you spend on credit while assets keep earning yield, avoiding selling and capital gains tax. 4.6% APY on USDC/USDT and SOL.
Cost / $100
—
Top-up fee
Free
Network
Visa
Card type
Virtual
IBAN
No
Monthly limit
—
Status
Coming soon
Pros.
- +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
- +Self-custodial — assets stay in your wallet
- +Visa accepted at 42M+ merchants worldwide
- +Apple Pay & Google Pay
- +75+ countries supported for KYC
- +iOS + Android beta available
Cons.
- −Currently in beta — limited rollout
- −DeFi loan model means user has debt position to manage
- −Specific top-up/FX/transaction fees not transparently published
- −Newer service (mainnet 2025)
- −US not supported
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
—
FX fee
—
Issuance
—
Monthly
—
Cost / $100
—
Issuer does not publicly disclose fee details — exact figures vary, verify in app.
Specific top-up/FX/transaction fees not transparently published — verify in app (currently beta). 4.6% APY on USDC/USDT/SOL while held. DeFi loan covers transactions instead of selling assets — preserves yield + avoids capital gains. 75+ countries for KYC. Apple Pay & Google Pay.
COVERAGE
Where it works.
Supported coins
USDCUSDTSOL
Chains
SolanaEthereum
Use cases
Online · IRL
Blocked countries
US
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
—/5
0 reviews
Monevia score
75/100
Verified May 11, 2026
ALTERNATIVES