Rizon, tested line by line: a strong everyday card with a citizenship test and a thin fee sheet

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Rizon is one of those crypto cards that has quietly turned into an ordinary payment card: a Visa Platinum, virtual and physical, that you top up from a stablecoin balance and then spend like any other card, with Apple Pay and Google Pay on top. On the mechanics it does its job well. What makes it awkward is not the card but the door: Rizon checks the passport you hold, not the country you live in, and the public pages contradict each other about that. Add a fee sheet that hides the price of the plastic inside the app, a Trustpilot profile with eight reviews and mostly one stars, and an Emerald tier whose published numbers disagree with each other, and you get a card that is genuinely useful for one group of people and genuinely confusing for everyone else.

Conditions described here are current as of October 28, 2026.

My score for Rizon is 6.7 out of 10. It is not a bad card. It is a card with a narrow front door, an incomplete fee sheet, and thin evidence of what happens when something goes wrong.

Verdict: 6.7 out of 10, and that middle number tells you most of it

The single most useful thing I found is who the card is built for. Rizon is aimed at holders of Latin American and Asian passports, and the picture that emerges from the card’s own pages is a service “intended for people who live in and are domiciled in” the United States or Latin American countries, possibly restricted elsewhere, while the help centre says the opposite: availability is based on citizenship, that is, your passport, with 44 nationalities listed, and among them the United States, Japan, Singapore, the UAE, Brazil and Mexico. Both statements are on Rizon’s own site. That contradiction is the single biggest practical fact on this page, because one of them decides whether you can open an account at all.

Here is how the total breaks down.

Who this suits: someone with a passport from one of those 44 countries who spends mainly in dollars, already comfortable moving stablecoins on a modern network, and who wants a card that behaves normally in shops. Who it does not suit: someone whose spending is mostly in other currencies and who is sensitive to a 1.7% conversion; someone in a country not on the citizenship list; and anyone who needs a card with a written chargeback policy or a published card price before they commit.

Who they will give you the card

The short answer is: it turns on your passport, and the card’s marketing page says something else.

On the card page, Rizon describes its services as “intended for people who live in and are domiciled in” the United States or LATAM countries, and says it may be restricted elsewhere. The same page claims support in 122+ countries. That is a residence-based promise, and on its own it would mean that moving your billing address unlocks the card.

The help centre tells a different story: availability is based on citizenship, that is, the passport you hold, not on where you reside. It lists 44 supported nationalities: Antigua and Barbuda, Argentina, Australia, Bahamas, Barbados, Bangladesh, Belize, Brazil, Cayman Islands, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Japan, Malaysia, Mexico, Morocco, New Zealand, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, Suriname, Thailand, Turks and Caicos Islands, Uganda, UAE, United States, Uruguay and Zambia.

Two things follow from that list. Russia and Belarus are not on it. And the set is not simply “everywhere in the world except two countries” — it is a specific 44, which means citizenship in, say, most of Western Europe, Scandinavia, Eastern Europe outside the Baltics, or Africa outside Ghana, Morocco, Egypt, Senegal and Uganda, does not appear on the list. If your passport is not among the 44, I would treat the card as unavailable rather than probable, and if it is, I would still check the help-centre page before you start because the two pages disagree.

The reason citizenship matters at all is not an accident of Rizon’s marketing. Sanctions screening and issuer risk policy are usually applied to citizenship and country of birth as well as to the country of address, and the issuer that actually puts the plastic in your hand is not Rizon. Rizon Technologies, UAB makes the product available; the card is issued by Signify Holdings Inc. and its subsidiary Nimbus LLC. The issuer’s risk appetite is applied to the passport, and Rizon passes that decision through.

Two further details belong here rather than later, because they are about who gets a card and what arrives. The physical card is delivered globally per the card page, with average delivery 3 days; a help article narrows this to physical cards available in 49 countries and territories, including the United States, Australia, Japan, Singapore, Brazil, Mexico, South Africa and the UAE, and within the United States only 31 states. Delivery cost and replacement cost are not stated publicly — the page says “Check app for the price”. And KYC requirements are not stated on the card page at all; what the app does when it checks you is described in the next section.

How to get it

The application is a passport check with a selfie, and the honest part of the answer is that the card’s own pages do not describe the requirements.

What the app actually shows you is two possible outcomes, and they mean very different things. “KYC Declined” means the KYC/AML provider flagged you; Rizon describes that as final and says it cannot override it. “Verification Incomplete” is the fixable one: a typo, an unclear document photo or a poor selfie, and you are allowed to retry. If you see the second message, the problem is on your side of the camera. If you see the first, nothing you upload will change it.

The card page does not state KYC requirements. What the help centre does state is that verification is required, that availability turns on citizenship rather than residence, and nothing at all about processing time. That last omission is not trivial, because it is the thing people complain about.

Unofficial reporting fills the gap, and you should treat it as exactly that. One reviewer testing the card in October 2026 describes passport verification with a selfie being cleared in two minutes. Other sources describe manual KYC running beyond 24 to 48 hours. Both can be true at once, which is itself the useful conclusion: a fast automated pass for most people, and a slow human queue for some, with no published statement of which you will get.

What you get on approval is a choice of three forms: a virtual card, a physical card, and a metal card marked “Coming Soon” — so still not something you can order today. The network is Visa Platinum. The card’s own currency is not stated anywhere in the public pages, which is worth knowing because almost all the fee behaviour on this card is expressed in dollars; USD and EUR accounts exist.

There is one more thing I would check before you invest time: how to close the account and what happens to the balance. Neither the deletion process nor the balance on closure is stated in the public material I saw. That is not a reason to avoid the card, but it is a reason to ask support before you load anything you would mind losing access to.

Fees: what it really costs, including the parts it will not print

Here is the awkward thing about pricing this card: the card’s own fee sheet declines to state the price of the card. Issuance, replacement and additional cards are all listed as “Check app for the price”. So the single most basic question — what does the plastic cost me — has no published answer. What follows is everything that is stated, followed by what third parties report, which you should treat as unconfirmed.

Now the three payments that tell you more than the table does.

A $20 lunch in New York, paid by card. Spending in USD is free. If the lunch is $20, you pay $20 and the conversion question never arises. This is the ideal case, and it is why the card rates so well on everyday use.

The same $20 lunch in Lisbon, paid by card. Now you are in the 1.7% plus $0.10 column: roughly 34 cents plus ten cents, so about 44 cents on $20, before any spread the issuer applies between its own dollar balance and the network’s conversion. If you are Emerald, the published figure is 1.02% and the wording on the page is garbled enough that I would read it in the app before trusting it. Notice how the design pushes you: USD spending is free, so a card that quietly steers you to hold dollars and pay in dollars is a card that rewards you for not using its other currencies.

$200 withdrawn from a cash machine in Bangkok. The published charge is $1 plus 0.65% of $200, which is $1 plus $1.30, or $2.30, and the withdrawal cap is $250 per transaction with up to three per 24 hours. The help centre is where this figure comes from — the main card materials do not state the ATM fee at all, which is the second published gap after the card price.

That is $2.30 to carry $200 in cash, three times a day, if you need to. Worth checking against your own bank before you assume it is cheap, because most ordinary debit cards charge less.

A note on the third-party numbers, since they keep coming up in search results and they contradict the official page in ways you should know about rather than discover later: unofficial reporting from October 2026 gives a Standard virtual card at $10 one-time, Gold and Emerald virtual cards free, physical cards at $49.99 for Standard, $24.99 for Gold and included with Emerald, and plans at Standard free, Gold $3.99 per month and Emerald $6.99 per month on a three-month minimum. The official page says Emerald is from $5.59 per month. Those do not match, and I cannot tell you which is current. For international spending the same unofficial source gives Standard at 1.7% plus $0.10 to $0.30, Gold around 1.275% and Emerald around 1.02%, while noting the same page shows terms inconsistently as 1.7% plus $0.30 in one place and 1.5% plus $0.30 in another. Note how the Emerald figure from the unofficial source matches the official Emerald figure, which is a small point in the card’s favour.

The other thing missing from the fee sheet is a declined-payment charge. Nothing is published about what a payment costs when your balance is short. Since deposits, card spend and sends are “No limit”, the model is a pre-loaded balance, so running out is a scenario the card’s own designers clearly thought about — they just did not print the number.

Top up: seven networks, free, and one thing to check before you send

Topping up is the strongest part of this card, and it is where the 9 out of 10 comes from. Deposits are free with no limit, and they arrive on-chain over Arbitrum, Solana, Base, Polygon, Optimism, Avalanche and BSC — Solana plus the EVM-compatible chains, in the help centre’s words. Seven networks is genuinely generous for a card; several competitors offer you one or two. Sending crypto to a card is a chore precisely because most cards make you match their single network, and Rizon does not.

What is not stated is almost everything you would need to be safe. The accepted coins are not listed on that help page. The minimum deposit is not stated. And who pays the network fee is not stated — and this matters, because on-chain network fees for your deposit are charged by the blockchain, not by the card provider, so they hit your wallet whatever Rizon does. If the card does not cover them, a small deposit can arrive smaller than you sent, or arrive with nothing left for the outbound transaction.

What third parties say, unconfirmed: USDC and USDT on Polygon, Optimism or Arbitrum, plus US bank transfer and credit card. The official help page lists more chains than that third-party summary mentions, so treat the coin list as narrower than reality rather than the reverse. The card page also says you can “deposit money multiple ways” without specifying the methods.

The mistake that costs people money here is the network one. Blockchain transfers are irreversible, and a deposit sent on a network Rizon does not support, or to an address belonging to a different network, can be lost entirely or need manual support recovery with no guarantee. With seven networks supported, the odds of picking wrong are lower than with a single-network card, not zero. Check the network selector in the app against the network your exchange or wallet supports before you confirm, and send a small test amount first with funds you can afford to lose.

One more thing on the way out. Withdrawing on-chain costs the network fee plus 0.1%, and so does an international send; sending to another Rizon user is free. What happens to a balance if the account is closed is not stated.

Paying with it every day

This is where the card is genuinely good, and the 9 out of 10 is not a courtesy.

You get a virtual card you can use immediately, a physical Visa Platinum, and Apple Pay and Google Pay on the virtual card. Cash machines work with the physical card anywhere, three withdrawals a day up to $250 each. Spending, deposits and sends have no published limit. For daily life in dollars this is a card that behaves the way a card should.

The rewards are also on the generous side on paper: 2.5% back on eligible purchases online, in stores and at cash machines, redeemable from a cashback balance, plus RizPoints on spending. Two things are missing. Which purchases are eligible is not defined. And the payout currency of the cashback is not stated. Be aware too that the 2.5% figure conflicts with other reporting: one unofficial October 2026 source describes 1% cashback capped at the plan fee on the Gold tier. The official card page says 2.5%, so that is what I would expect to see in the app, but I would not build a monthly budget around a rate that other pages describe differently.

Mobile wallets deserve a line of their own, because the mechanism is what makes them safe rather than merely convenient. In Apple Pay the card number is replaced by a device-specific Device Account Number held in the phone’s Secure Element, never on Apple’s servers, and each payment carries a one-time dynamic code. The issuer can also restrict a tokenised number — block it for magnetic stripe, for phone use, or for websites — so losing your phone is not the same as losing the card if you act quickly.

The apps are iOS and Android, linked from the card page. Their ratings are not shown on Rizon’s own site. Unofficial figures, date unknown and likely old: Google Play shows “RIZON: Stablecoin Finance” (com.rizon.app) at about 4.3 out of 5 from roughly 3,500 ratings, and the App Store at 4.0 from 144 ratings. What is not stated anywhere is which merchants are blocked. That matters more than it sounds: a card can refuse an entire category — gambling is the classic one, at merchant category code 7995 — by the issuer’s policy rather than by law, and that list varies by issuer and is not always published. If a payment of yours is ever declined, this is one of the first things I would ask support about.

Three further gaps you may hit in real life, all typical of this category rather than specific to Rizon. Address verification compares the numbers in the billing address you type against the issuer’s records; it is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which causes declines. Some merchants decline prepaid or foreign-issued cards outright because the card’s identifying numbers reveal the issuer’s country, which is exactly why a card issued in one place can look foreign in another. And a declined authorisation can leave a hold on your funds for several days, typically up to seven.

What can go wrong

The honest answer is that the public record here is thin, and thinness is itself the risk.

Start with the complaints. I found no Trustpilot page that reliably belongs to this card — the name collides with an unrelated IRC network — but there is a profile showing about 2.4 out of 5 from 8 reviews, mostly one star. Eight reviews is not a sample; it is an anecdote with a number attached. The complaint themes are consistent, though, and they come from a user report relayed secondhand through an aggregator, with the underlying forum and app-store threads not opened: a virtual card issuance fee of roughly $3.50 charged before eligibility and the KYC check were complete; manual KYC review running past 24 hours against an expectation of minutes; slow recovery on a wrong-network deposit; and refund requests stuck in chatbot loops. The aggregator says Rizon acknowledged an onboarding flaw and planned to add a country-selection step. No dates are given for any of it.

Notice that these complaints are about onboarding, not about losing funds or about the card failing at a cash machine. That is a meaningfully better shape of problem. A card that charges you for a card you cannot use is annoying and possibly recoverable; a card that mishandles a deposit on the wrong network is a real loss with no technical remedy, because blockchain transfers are irreversible by design.

On the company side: Rizon Technologies, UAB makes the products available, and the card is issued by Signify Holdings Inc. with its subsidiary Nimbus LLC. Third-party summaries name Third National as the issuing bank; Rizon’s own card page does not. I found nothing dated on licences, issuer changes or fines in 2025 or 2026 — and absence of a dated record is not the same as a clean record, particularly when no dated news appears on the subject at all. The metal card remains “Coming Soon”.

Support is a Help Centre at intercom.help/rizon plus a contact email that is obfuscated on the page. No phone line or live chat is mentioned, and no hours are stated. For a card where a wrong-network deposit needs manual recovery, support is not a detail.

Then the structural risks, which are not Rizon-specific but do apply to it. Control of crypto belongs to whoever holds the private key. Rizon is non-custodial: you keep full control and full responsibility for the recovery phrase, which is typically 12 to 24 unencrypted words and lets anyone who obtains it restore the wallet and spend the funds. A seed phrase is worth exactly as much as the balance it protects, and no support agent can reverse what a leaked phrase enables, because the network cannot freeze or return a transfer.

The safeguards Rizon does publish are biometric login, “smart fraud protection”, and the ability to lock and unlock a physical card in the app. Two-step verification is not mentioned. Insurance is not mentioned. And there is no dispute or chargeback process described: the help centre has an article about limits but nothing on chargebacks, which matters because a chargeback is the issuer ordering a refund to settle a dispute, with reason codes for fraud, duplicate billing or goods not received. US debit reversal rights come from Regulation E, credit card rights from Regulation Z, and prepaid-card coverage varies and should not be assumed — and this card behaves like a prepaid card, drawing on a stored balance that cannot overdraw. If you are choosing a card because a merchant once kept your money, that absence is worth asking about directly.

Two further points of context. Visa and Mastercard do not issue crypto cards to consumers themselves; they license issuers and can suspend a programme, and have done — WaveCrest was suspended by Visa in Europe in 2018, closing all its Visa programmes, and in November 2022 Visa said it had terminated its global agreements with FTX and the FTX US debit card was being wound down. Programmes closing is a normal event in this category, typically with a notice period, then loading and spending stopping, then a request that you withdraw what remains. One 2026 closure reported by a secondary source — single source, unconfirmed — ended new loads on 8 July 2026 and spending on 8 August 2026. Stablecoins themselves are not risk-free: USDT and USDC are dollar-pegged and between them held about 90% of stablecoin market capitalisation according to the BIS in July 2025, but USDC lost its peg temporarily in March 2023, and Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity.

I am not going to tell you this is safe or unsafe. I am telling you what is documented, and what is not, so you can decide whether the gap bothers you.

What to take instead

If something above is a problem for you, three alternatives are worth comparing on the same axes. I have scored them alongside Rizon’s 6.7 for reference, and I would not treat any of these as automatically better — each has its own catch.

TokenPocket — 5.8 out of 10. A Visa debit card for a list of European countries and territories, including Germany, France, Spain and Switzerland; a Mastercard debit for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK among others; the Americas listed as planned. It runs on Arbitrum, balances are held in EUR24 and USD24, and Fiat24 cards are virtual with no physical card mentioned. The catch is the deposit: 1% is charged when depositing crypto into the card, which the provider says is refunded later through rewards and reduced transaction fees. That is not a fee, it is a loan against future value, and “later” is doing real work in that sentence. An NFT creation fee is partly covered by TokenPocket with the user paying “a small portion”, of an amount not stated, and beyond those the card charges no additional fees. No cashback is stated, and extra charges can arise from inter-institution settlement.

MetaMask — 7.1 out of 10. The highest-scoring of the four, and the one with the most legible pricing. Sign-up is open in 45 listed countries and territories — Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among them — with other regions on a waitlist, proof of residence required, and the useful note that ineligible regions limit sign-ups, not spending. US and UK sign-ups were temporarily closed per the FAQ at the time those pages were read. It is a Mastercard: a virtual card issued instantly and free, with no annual or maintenance fee, and a metal card you can pre-order in the app after virtual approval, at $199 per year, one card per user. Issuer Monovate, card provider Crypto Life. It spends directly from the connected wallet over Linea, Base, Monad and Solana, with mUSD, wETH, EURe, GBPe, USDC and USDT named among the tokens. Fees are described only as “minimal fee for each transaction”, amount not stated on the pages read, with no additional MetaMask fees and no foreign transaction fee — the Mastercard rate is used. Cashback is paid in mUSD into the Money Account: 1% on virtual, and on metal a headline 3% whose footnote limits 3% to the first $10,000 spent and 1% after that, plus a $FLY bonus of 5X or 7X through the Blackbird dining app. Solana-only wallets cannot withdraw credit — a small, specific gotcha worth knowing before you commit.

KAST — 6.1 out of 10. The one with the most detailed and most complicated fee schedule, and a residency system that is stricter than Rizon’s citizenship test in an instructive way. Availability is shown at KYC and hinges on residence, but identity matters too: if you live in a supported country while holding an ID from a restricted region you may still fail KYC, dual citizens with an ID from a supported country may pass, only your own ID is accepted, a VPN does not bypass anything, and you can create an account in an unsupported country while KYC stays locked. Cards are virtual and physical, up to ten per user: Visa Platinum (Standard), Visa Infinite metal (Premium), Visa Infinite gold plated (Private), plus Pengu, Solana and Bitcoin designs. Membership is annual and upfront — Standard free, Premium $1,000 per year, Private $10,000 per year, with no monthly option; extra virtual cards $2, delivery on the Standard physical card $40; a $1 per month inactivity fee after 12 months; and renewal or reactivation fees that exist but are not quantified. On the plus side the everyday numbers are excellent: stablecoin top-up 0%, USD spend 0%, transaction fee 0%, Apple and Google Pay 0%, and a non-USD foreign exchange fee of 0.5% to 1.75% depending on your residence country, transaction country and card programme, plus 0.10 USD on non-USD transactions under $25 and 0.50 USD for a declined transaction. Cashback is USD: 1.5% on the first $2,000 per month on Standard, 2% on the first $10,000 on Premium, 3% on the first $40,000 on Private, paid when the transaction is authorised. The catch is scale, and one internal contradiction: the app shows USDT, USDC, PYUSD and RLUSD, while the terms say acceptable tokens are “currently USDT and USDC”.

Two things all three share, worth knowing regardless of which you pick. Card-issuing networks can end a programme, and they have. And several of these cards run on authorised-crypto-asset-provider regimes that are still settling: in the EU, MiCA took legal effect in June 2023, its stablecoin and asset-referenced-token rules applied from 30 June 2024 and the remaining service-provider provisions from 30 December 2024, with a transitional period running until 1 July 2026 at the latest, and ESMA maintains a public register of authorised providers that you can check yourself. A card is separately a payment service under e-money and payments law, which is why a crypto card often rests on two licences rather than one.

Who I would recommend it to

I would recommend Rizon to someone specific, and I would not recommend it to everyone else.

Recommend it if you hold one of the 44 listed passports, you spend mainly in dollars, you already move stablecoins comfortably across chains, and you want a card that disappears into daily life — a virtual card now, physical plastic in 3 days, Apple Pay on your phone, 2.5% back on eligible purchases, and cash machine access when you need it. In that situation Rizon is a good card at a fair price, and the 9 out of 10 for everyday use and 9 for top-up options are earned rather than generous.

Hold off if you live in dollars but spend in anything else — the 1.7% plus $0.10 is not a rounding error over a month of foreign purchases. Hold off if your passport is not on the list, because the residence-versus-citizenship contradiction means you may discover the answer only after your documents are uploaded. Hold off if you need published prices, a written dispute process or a phone number, because the card’s fee sheet points at the app for the price of the card, its ATM terms live in the help centre rather than the card page, and its support hours are not stated. And hold off if you are the kind of person who would rather hold dollars in a bank deposit than stablecoins on a chain, because this is a card for people who have already made that choice.

One last thing I would do before loading money, whichever way you decide. Send a small test deposit, watch it arrive, make one small purchase, and then ask support the two questions nobody has answered in public: what happens to the balance if I close the account, and what is the fee when a payment is declined for insufficient balance? A card that answers those clearly would score higher than 6.7. A card that does not is still usable — it just asks you to accept a little uncertainty as the price of the convenience.

Frequently asked questions

What is Rizon card?

Rizon is a crypto payment card: a Visa Platinum, available virtual and physical, with a metal version listed as coming soon. You top it up from a stablecoin balance over networks including Arbitrum, Solana, Base, Polygon, Optimism, Avalanche and BSC, and then spend it like an ordinary card, in stores, online, in Apple Pay and Google Pay, and at cash machines. Deposits and spending in USD are free, and the card page describes Rizon’s services as intended for people living in and domiciled in the United States or Latin America.

How does the Rizon card work?

It works like a prepaid card rather than a debit card linked to a bank account. Your crypto is converted and loaded as a balance, and the card spends only that balance, so it cannot overdraw — deposits, card spend and sends are all listed as having no limit. The card is issued by Signify Holdings Inc. and its subsidiary Nimbus LLC, with Rizon Technologies, UAB making the product available. Rizon describes itself as non-custodial, meaning you keep control of the crypto, and therefore full responsibility for the recovery phrase.

Is Rizon a bank?

No. Rizon is not a bank; it is a product company that makes a card available, with the actual card issued by Signify Holdings Inc. through Nimbus LLC. Third-party summaries name Third National as the issuing bank, though Rizon’s own pages do not confirm that. If you are used to bank deposits, note that e-money balances held by payment institutions are not the same as bank deposits and may not be covered by a deposit guarantee scheme — that distinction matters more here than the branding does.

Who owns Rizon?

Rizon Technologies, UAB is the company behind the product, and the card programme is issued by Signify Holdings and its subsidiary Nimbus LLC. So there are two names to hold on to: Rizon is who you deal with as a customer, and Signify/Nimbus is who actually stands behind the card. Neither Visa nor Mastercard owns it — they license issuers and can suspend a programme, which they have done with others in the past.

Which countries can use Rizon?

The sources disagree, and you need both. The help centre says availability follows citizenship, listing 44 nationalities including the United States, Japan, Singapore, the UAE, Brazil, Mexico and Argentina; Russia and Belarus are not among them. The card page says services are intended for people who live in and are domiciled in the United States or Latin America, possibly restricted elsewhere, while claiming 122+ countries for residence. Physical cards are described as available in 49 countries and territories, with US delivery in only 31 states.

Do I need to pass KYC to get a Rizon card?

Yes, verification is required, though the card page does not state the requirements. The app shows two outcomes: “KYC Declined”, which is described as final and something Rizon cannot override, and “Verification Incomplete”, which is fixable — a typo, an unclear document photo or a poor selfie — and allows a retry. Unofficial sources describe a fast automated pass for most applicants and manual review beyond 24 to 48 hours for some.

What does the Rizon card cost?

Maintenance and deposits are free, and spending in USD is free. Spending in other currencies costs 1.7% plus $0.1, with Emerald listed at 1.02% on a page described as garbled. Trading is 1.7%, or 0.85% on Emerald. Cash machine withdrawals are $1 plus 0.65%, up to three a day and $250 each. The Emerald subscription is from $5.59 per month. The card itself is not publicly priced — issuance, replacement and extra cards all say “Check app for the price”.

How do I top up the Rizon card?

On-chain, free and with no limit, over Arbitrum, Solana, Base, Polygon, Optimism, Avalanche and BSC. Coins, minimum amounts and who pays the network fee are not stated on the official pages; unofficial sources mention USDC and USDT on Polygon, Optimism or Arbitrum, plus US bank transfer and credit card. Blockchain transfers are irreversible, so check the network and the address before sending, and test with a small amount first.

Is the Rizon card safe?

It has real safeguards — biometric login, fraud protection, and the ability to lock and unlock the physical card in the app, plus tokenised mobile wallets that keep the card number off the network’s servers. It also has gaps: two-step verification is not mentioned, no insurance is mentioned, and no dispute or chargeback process is described. As a non-custodial card, a leaked 12-to-24-word recovery phrase can be spent by anyone who obtains it, with no reversal available.

Where can I use the Rizon card, and is it worth it?

Anywhere a Visa card is accepted, online, in stores, in Apple Pay and Google Pay, and at cash machines worldwide with the physical card. The catch is that which merchants are blocked is not stated, and foreign-issued cards are refused by some shops because the card’s numbers reveal the issuing country — so a decline abroad is often about the merchant’s policy, not about your balance. Worth it mainly if you spend in dollars and top up in stablecoins you already hold.

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