BenPay Card is a self-custodial Visa card lineup with USDT and USDC funding, on-chain yield and separate Alpha, Sigma and Delta tiers for different spending patterns.
Why Benpay Card can be a great choice.
Things to consider before applying.
BenPay Card is a set of virtual Visa cards connected to the self-custodial BenPay ecosystem on BenFen. The current lineup consists of Alpha, Sigma and Delta, with each card using a different fee structure rather than a conventional subscription-tier model.
Card balances can be funded with USDT or USDC across multiple networks. BenPay currently supports deposits through Ethereum, BSC, Polygon, Optimism, Arbitrum, Avalanche, Base and several other chains, with supported stablecoins converted into the settlement balance used by the card.
A distinctive part of the product is its on-chain architecture. BenPay states that users retain control of their private keys and that card funding and balance management are handled through smart contracts rather than centralized custody. Card balances can also be allocated to BenPay's on-chain yield feature and redeemed when needed for spending.
Alpha is structured around a 0% top-up fee. It has no monthly fee, charges 1% on transactions and currently applies a 1.5% cross-border fee with a $0.01 minimum. Its daily spending limit is $10,000, while the total published card limit is $200,000.
Sigma uses a 1.5% top-up fee and a 0.5% transaction fee. Instead of a percentage-based FX charge, non-USD payments carry a fixed $0.50 cross-border fee. The first month is free and the recurring fee is $1 per month afterward. Its published daily spending limit is substantially higher at $300,000.
Delta has a 0.5% top-up fee and is aimed more at frequent online and subscription payments. Current documentation lists transaction authorization charges in addition to percentage-based fees, so its effective cost depends more heavily on transaction frequency and currency. The published daily spending limit is $100,000.
All three cards currently have no annual fee. BenPay's live fee documentation lists a $9.90 issuance fee, although promotional pricing can appear on individual card application pages, so the amount shown during issuance should take precedence.
Mobile-wallet support differs by card. Alpha supports Apple Pay and Google Pay, while Delta is also documented with Apple Pay and Google Pay compatibility. Sigma is positioned more toward Asian payment services such as Alipay and WeChat Pay.
The cards are currently virtual. BenPay has announced physical cards and ATM withdrawals, but these features are still marked as coming soon and should not be treated as part of the current product.
A valid identity document is required for card issuance, and BenPay operates a separate KYC system for regulated services.
BenPay markets the card globally and does not impose a staking requirement or minimum crypto holding for application. Actual issuance can still depend on compliance checks, card-partner restrictions and the user's jurisdiction, so eligibility should be confirmed during the application process.
Create or connect a BenPay wallet.
Complete the required identity verification.
Open the Card section and choose Alpha, Sigma or Delta.
Review the current issuance fee, security deposit and card-specific fees.
Submit the application and wait for approval.
Fund the card with supported USDT or USDC.
Add the card to a supported mobile wallet if required.
Quick answers to common questions about Benpay Card.
BenPay describes its card system as self-custodial. Users retain control of their private keys, while card balances and authorizations are managed through on-chain smart contracts on the BenFen network rather than through a conventional centralized wallet.
Fees depend on the card. Alpha currently has a 0% top-up fee, 1% transaction fee and 1.5% cross-border fee. Sigma charges 1.5% for top-ups, 0.5% on spending and $0.50 for non-USD transactions. Delta charges 0.5% for top-ups and uses a combination of authorization and transaction fees. Current documentation lists a $9.90 issuance fee across the lineup.
BenPay Card primarily supports USDT and USDC funding. Stablecoins can be deposited through multiple networks including Ethereum, BSC, Polygon, Arbitrum, Optimism, Avalanche and Base, with the funds converted into the card's USD-denominated settlement balance.
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