The Fuse card is a free virtual Visa that spends only USDC, available in 18 jurisdictions — and nothing about it is flexible

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Fuse card is a virtual Visa debit card, denominated in US dollars, that spends one thing only: USDC sitting in your Card Account. There is no physical card, no cash-in, and no ATM. What you get in exchange for that narrowness is a genuinely pleasant surprise in the cost column — card issuance is $0, the monthly fee is $0.00, inactivity is $0, and the fee on international transactions is 0%. If the only thing you need is a card that spends a USDC balance in shops and online without a monthly charge, Fuse does that cleanly.

What it does not do is give you choices. You cannot top up with a bank transfer or a card payment as far as the public pages say, only by moving USDC from your Main Account. Apple Pay is supported and Google Pay is not mentioned. Spending limits sit at $2,000 per day by default and the pages describe the settings control as adjustable *up to* $2,000. There is no cashback. And the single most-reported user complaint I found is the worst kind for someone whose money is locked in a stablecoin: an account closed with roughly $600 inside it.

My score for the card is 6.3 out of 10. That is not a snide number. It reflects a product that is cheap and honest about its own shape, aimed at a narrow audience, and rated by me against what a card can be for someone who is choosing one. The conditions described here are current as of October 28, 2026.

The score in one table

Who this suits, and who it does not

The audience the card is built for is people in the Americas who hold USDC and want to spend it at an ordinary shop. If that is you — you are in Brazil or Mexico or Colombia, you keep dollars in USDC, you want a Visa number for subscriptions and websites that will not take anything else, and a $0 monthly charge — Fuse will probably do what you want at a price that is hard to argue with.

If instead you want a card you can hand to a waiter, use at a cash machine, top up from a bank account in two minutes, or that works with your bank’s app, Fuse is the wrong shape entirely. Four of my six sub-scores are 4 or below, and three of those four are about flexibility you simply do not have.

Before you commit, check two things. First, whether your country of residence is on the list in the section below — it is a residence list, and the citizenship rule is not stated. Second, whether you can live with one asset. If your balance is not in USDC, you cannot spend it here, and if you want to hold something other than USDC on the platform, nothing on these pages says you can.

Will they give you the card?

The answer depends on where you live, and the list is specific enough that you can check yourself in ten seconds. Fuse issues cards to residents of: the United States excluding New York and Alaska, Argentina, Bolivia, Brazil, Colombia, Costa Rica, the Dominican Republic, Ecuador, El Salvador, Ghana, Guatemala, Honduras, Mexico, Panama, Nigeria, Paraguay, Peru, and Uruguay.

Eighteen jurisdictions. That is a genuinely wide map of the Americas plus Ghana and Nigeria, and it is also not Europe, not Asia, and — worth saying plainly — not New York or Alaska. If you are in Manchester, Warsaw or Bangkok, this is not your card, and no waitlist is mentioned either.

One thing the pages do not settle: citizenship. The list is written as a residence list. Standard practice in this category is to screen nationality separately from residence, because sanctions screening and issuer risk policy are applied to citizenship and country of birth as well as to address. So living in Brazil is not automatically the whole test. The card’s public pages do not state the citizenship rule, which means you cannot resolve it by reading — you would have to find out by trying.

The issuing structure, which matters for who is actually behind the card: Lead Bank, a Missouri state-chartered bank, issues the card under a Visa U.S.A. licence. Bridge Ventures LLC is the Program Manager. Squads Labs Inc. is the Platform Provider, and it is explicitly not a bank. That is a normal three-layer arrangement for a crypto card: the bank holds the card programme, the manager operates it, the platform provider runs the wallet. It also means a lot of the rules you read about — limits, disputes, freezing — come from the bank, not from the app.

How to get it

You will need to be 18 or over, and you will have to pass KYC — there is no way around that and no tier that avoids it. The steps the card describes are short: verify yourself inside the Fuse app, then create the virtual card, then move USDC from your Main Account into the Card Account. Funds in the Card Account are ready to spend immediately.

What that verification actually asks for is narrower than you might expect, and wider. The information listed is your name, address, date of birth and government ID number. The catch is the phrase “at any time”: extra documents such as a driver’s licence may be requested later, without a fixed list on the public pages. Proof of address is not stated as a standard requirement, but the same “further documents” clause could produce one. Processing time is not stated, and neither are rejection reasons.

There is no physical card. The product is a virtual Visa debit card — the disclaimer calls it a prepaid debit card, which is the more accurate description of how the money moves — and no physical card or delivery is mentioned anywhere, so there is nothing to wait for in the post and no delivery fee to look for. If you were picturing something in your wallet, stop picturing it; everything below assumes Apple Pay or manual number entry.

The app is worth flagging here too, because it is the only interface you will have. The App Store listing is “Fuse – Solana Smart Wallet” on the Paraguay storefront, iPhone only, iOS 16.4 or later, showing no rating (“not enough ratings”). Third-party aggregators put the aggregate around 4.5–4.6 from roughly 35 ratings, but that is unofficial, comes from a third-party site, and is not confirmed by the card. Android was not something I could verify either way.

Fees: what it really costs

This is the strongest part of the card, and it deserves the table before any explanation.

Three everyday payments, with the fee that applies to each:

• A $30 subscription in dollars. No per-purchase fee is listed, and the card spends USDC already sitting in the Card Account. The cost to you is whatever the conversion charged when the USDC got there — and that conversion fee is not disclosed, so I cannot tell you what it is. If you already hold USDC, this is the cheapest way to spend it on the card.
• A $20 café in a city outside the US. The FX fee is 0% of the USD amount, which is genuinely better than almost every mainstream bank card. The catch is the acceptance side, not the price: see the section on prepaid and foreign BINs below.
• A $40 online purchase in a currency other than dollars, where the merchant adds a conversion of its own. Your card charges 0%. The merchant or its acquirer may apply its own rate, and that is outside Fuse’s control and outside this table.

Two caveats sit under the numbers. The Support page says there are no top-up fees and no card transaction fees, but the agreement itself says “fees may apply.” And the crypto conversion fee — the charge for turning crypto into spendable balance — is simply not stated. For a card whose entire purpose is spending a stablecoin, that is the single fee you most want to know, and it is the one you will have to ask for.

Also absent, and worth a moment: there is no cashback. No rewards are stated anywhere. Every other thing in this table is a fee you do not pay; this is a rebate you do not receive.

How to Top up

Topping up Fuse is one action, and it is not optional: transfer USDC from your Main Account to your Card Account. Funds are ready immediately. Only USDC in the Card Account can be spent — the card is USD-denominated, but the balance behind it is USDC or nothing.

That is the entire mechanism. No bank transfer, no debit card load, no cash-in, no minimum listed, cash reload priced at $0, and the fiat top-up options are not stated. If you are not already holding USDC on the platform, you cannot get it onto this card from the pages as they are written.

The network gap. The card does not disclose which networks it accepts. The product is positioned as a Solana smart wallet, but that is positioning, not a confirmation on these pages, and I would not rely on it. This matters more than it sounds. A stablecoin sent on a network the provider does not support, or to an address belonging to another network, can be lost or need manual support recovery with no guarantee — blockchain transfers are irreversible by design. Before your first transfer, find out from the support team which networks are live, and only then send.

Coming back out. You can move USDC from the Card Account back to the Main Account, with a five-minute security time lock. If the card is closed, the remaining balance is returned to the Platform Provider wallet as stablecoin, with no fee — but the bank may refuse to return balances under $1.00, and a closure can be blocked by a pending transaction, an open dispute, an amount owed or a hold.

Two more costs to keep in view even though they are not card fees: the Platform Provider or Program Manager may charge separate fees for stablecoin sales, and on-chain network fees for a deposit are charged by the blockchain, not by Fuse. Neither is quantified on the public pages.

Paying with it every day

The day-to-day experience is the weak point, and it is worth being blunt about what you are signing up for.

Apple Pay works. That is the good news, and for many people it is the entire use case: add the virtual card to Apple Wallet and pay at terminals with a double-click. Apple Pay replaces your card number with a device-specific number stored in the Secure Element, and each payment carries a one-time code — so the card number is not sitting around to be stolen from your phone’s cloud.

Google Pay is not mentioned. Not “not supported” — simply absent from what the card publishes. If your phone is Android, that is an open question you need to answer yourself before you rely on this card daily.

There is no ATM access. The card’s own words: Fuse cards cannot be used at ATMs currently, and the agreement lists ATM withdrawal and balance inquiry as not applicable. So this card cannot produce cash. If you need cash, this is not it.

Online payments work in the ordinary way, with 3-D Secure adding an identity step where the issuer decides to challenge. Stop-payments on card purchases are not allowed, which means once you authorise a purchase, you cannot call it back from your side — merchant disputes go to the merchant first, and any refund is credited to your wallet as stablecoin.

Categories. No merchant category codes are listed as blocked, and the card cannot be used for illegal transactions or for cash back at the point of sale. What that means practically is the usual one: some merchants decline prepaid or foreign-issued card numbers because the issuer-identification lookup reveals the card type and the issuing country. A card issued in the US spending at a shop in another country can simply look foreign to the till. Address verification is also mainly a US, Canada and UK system, and is generally unavailable on foreign-issued cards, which causes declines.

If something goes wrong with a payment, the clock matters more than anything else:

• Report unauthorised use within 2 business days and your liability is capped at $50; report later and it can reach $500.
• Report an error within 60 days.
• The bank aims to decide within 10 business days, and can take up to 45; if extended, credit within 10 business days.
• Point-of-sale, foreign and new-card errors can run to 90 days.
• You are told the outcome within 3 business days of the investigation ending.
• No provisional credit for goods-and-services disputes.
• Pending amounts become available 24 hours after clearing.

That is a real framework and it is in the agreement rather than hidden. But note the shape of it: no stop-payment on card purchases, refunds arriving as stablecoin, and no provisional credit where the merchant simply has not delivered.

What can go wrong

The clearest single risk here is not a fee or a spread. It is that the money sits in a stablecoin on someone else’s platform, and the platform can close.

The complaint I found. One App Store review reports an account closed with about $600 left inaccessible. A third-party aggregator also carries a report of an X user with unanswered emails, and notes the arbitration clause. The date on these is not shown, the aggregator is not the card, and there is no Trustpilot page and no Reddit thread for Fuse specifically — so I want to be careful about weight here. One report is one report. But it is the exact scenario you would fear: funds inside, account shut, no clear route out.

The agreement’s terms make that scenario less comfortable than it looks. The card agreement carries binding arbitration with a class-action waiver. If something goes wrong and you cannot resolve it with support, you are not joining a group of other cardholders; you are arguing alone. That is a real cost even in the case where you would have won.

The money is not bank-insured. Fiat in transit during conversion is not FDIC insured, and the card terms state that funds are not FDIC insured with no overdraft. In EU terms the equivalent point is that safeguarded e-money is not the same as a bank deposit and may not sit under a deposit guarantee scheme. This is normal for the category — but it means “it’s a Visa” and “your money is protected” are two different sentences.

Who you actually trust. Three companies stand behind the card: Lead Bank as issuer, Bridge Ventures LLC as programme manager, Squads Labs Inc. as platform provider. Custody has a history of failing in crypto — Mt. Gox with about US$350 million reported stolen across 2011–2014, Coincheck at about US$400 million in 2018, Ronin Network at US$625 million in 2022. Neither Lead Bank nor Bridge is one of those names, and holding funds with a custodian of any kind carries counterparty and hack risk that no branding removes. Stablecoins themselves are not censorship-proof either: Tether says it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity.

Controls you do have. Freeze and unfreeze in settings, set or reset a PIN, adjust the daily spending limit, and what the card calls smart account enforced spending limits. The bank may block or cancel a card for suspected fraud. What is missing: two-factor authentication is not mentioned, and there is no physical card to lose or freeze, which cuts both ways.

Help if something breaks. Email [email protected] and phone 833-237-8104. Hours are not stated — the agreement refers to business days, Monday to Friday excluding holidays, but that is about banking days, not a published support schedule. That matters a lot if your money is locked and the answer to “unanswered emails” is one of the complaints.

What to take instead

If Fuse’s shape does not fit, these are the three I would look at, with their own numbers.

MetaMask scores highest here at 7.1, and the reason is breadth. Sign-up is open in 45 listed countries and territories including Germany, France, Spain, Canada, Mexico, Brazil, Argentina and Uruguay, with other regions on a waitlist — though US and UK sign-ups are temporarily closed per its FAQ. You get a virtual Mastercard instantly, with a metal card you can pre-order after approval, one card per user. Cashback is paid in mUSD: 1% on the virtual card, and on metal a headline 3% limited by the footnote to the first $10,000 spent then 1%, plus a $FLY bonus. It spends directly from a connected wallet across Linea, Base, Monad and Solana, and holds mUSD, wETH, EURe, GBPe, USDC and USDT. Two frictions to weigh: proof of residency is required, and a Solana-only wallet cannot withdraw credit. Fees are described as a “minimal fee for each transaction” with the amount on a linked table, and no foreign transaction fee.

KAST is the answer if you want a physical card and clear cashback. Virtual and physical, up to ten cards, on Visa Platinum, Visa Infinite metal or gold, with other designs. Pricing is tiered and steep at the top: Standard free, Premium $1,000 a year, Private $10,000 a year, billed annually upfront. Fees are unusually transparent — stablecoin top-up 0%, USD spend 0%, transaction fee 0%, Apple and Google Pay 0%, non-USD FX 0.5%–1.75% depending on your country, a 0.10 USD flat fee on non-USD transactions under $25 USD, and 0.50 USD for a declined transaction. Cashback is 1.5% on the first $2,000 a month at Standard, 2% on the first $10,000 at Premium, 3% on the first $40,000 at Private. Its onboarding is the strictest of the three: the country list is not published, and it says explicitly that living in a supported country while holding an ID from a restricted region may still make you ineligible, that dual citizens with a supported-country ID may pass, and that only your own ID counts — a VPN does not bypass it.

TokenPocket is the weakest of the four at 5.8, but it covers ground the others do not: a Visa debit for European countries including Germany, France, Spain and Switzerland, and a Mastercard for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK, with the Americas stated as planned for Q2 2025. It runs on Arbitrum with balances in EUR24 and USD24. The catch is a 1% fee on depositing cryptocurrency into the card, which the company says is refunded later through rewards and reduced transaction fees, plus possible extra fees from inter-institution settlement, and an NFT creation fee the user pays a “small portion” of.

Two structural points about this whole category, so you read the comparison correctly. First, Visa and Mastercard do not issue crypto cards to consumers — they license issuers and can suspend a programme, and both have done it: Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down by its issuer; WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing every WaveCrest-issued Visa programme. Programme closures follow a pattern: notice, then spending and loading stop, then you are asked to withdraw. Second, a card is a payment service regulated separately from the crypto side, so most of these cards depend on two licences — in the EU, MiCA covers custody, exchange and transfer, while e-money and payment-services law covers the card itself, and under MiCA e-money tokens may be issued only by a credit institution or an electronic money institution.

Who I would recommend it to

I would recommend Fuse to someone who has USDC, lives in one of the eighteen listed jurisdictions, uses an iPhone, and wants a dollar Visa for online spending with no monthly charge and no foreign transaction fee. For that person it is a good card, and the 9/10 on cost is not a rounding error — free and 0% FX is genuinely rare.

I would not recommend it as a primary everyday card, and I would be cautious recommending it as the only place to hold a balance. No ATM. No Google Pay. No cashback. No cash top-up. A single asset. A $2,000 daily ceiling that the settings page describes as adjustable upward, not downward. And an arbitration clause with a class-action waiver sitting underneath one report of a closed account with $600 stranded inside.

If your situation is “I want to spend dollars normally and occasionally touch crypto”, Fuse is the wrong card — take MetaMask for breadth or KAST for a physical card with published fees and real cashback. If your situation is “my money is already in USDC and I want a clean dollar Visa that costs nothing”, Fuse is exactly right, and you should still find out two things before your first transfer: which networks it accepts, and what the crypto conversion fee is. Neither is on the public pages.

Frequently asked questions

What is the Fuse card?

The Fuse card is a virtual Visa debit card in US dollars that spends USDC held in a linked Card Account. It is issued by Lead Bank, a Missouri state-chartered bank, under a Visa U.S.A. licence, with Bridge Ventures LLC as Program Manager and Squads Labs Inc. as Platform Provider. There is no physical card. It is aimed at residents of the Americas who hold USDC and want to spend it like ordinary money.

How does the Fuse card work?

You verify in the app, create the virtual card, then move USDC from your Main Account to your Card Account, where it is available immediately. The card spends only what is in the Card Account, so it behaves like a prepaid card rather than a bank debit and cannot overdraw. Spending in dollars elsewhere carries a 0% foreign transaction fee. Because the balance is loaded rather than linked, no overdraft is possible.

Who can get the Fuse card?

Residents of eighteen jurisdictions: the US excluding New York and Alaska, Argentina, Bolivia, Brazil, Colombia, Costa Rica, the Dominican Republic, Ecuador, El Salvador, Ghana, Guatemala, Honduras, Mexico, Panama, Nigeria, Paraguay, Peru and Uruguay. Applicants must be 18 or over and pass KYC through Bridge. The rule for citizenship is not stated on the public pages, and because nationality is normally screened separately from residence, do not assume residence alone settles it.

Does Fuse require KYC, and what documents?

Yes, and every applicant must pass it. The information listed is name, address, date of birth and government ID number, but the card states that further documents such as a driver’s licence may be requested at any time. Proof of address is not stated as a standard requirement. There are no tiers that skip checks, and neither processing times nor rejection reasons are published. If due diligence cannot be completed, accounts are commonly frozen pending documents or closed.

How do I top up the Fuse card?

You transfer USDC from your Main Account to your Card Account, and the funds are ready immediately. No top-up fees are listed on the Support page and no minimum is given, though the agreement says fees may apply. Cash reload is $0 but no cash reload method is described, and fiat top-up options are not stated. Only USDC in the Card Account can be spent — the network is not disclosed, so confirm it before transferring.

Is the Fuse card free?

Almost entirely. Card issuance is $0, the monthly fee is $0.00, inactivity is $0, and international transactions are 0% of the USD amount. No annual fee is listed and no per-purchase fee is stated. Two gaps: the crypto conversion fee is not disclosed, and the Platform Provider or Program Manager may charge separately for stablecoin sales. There is also no cashback of any kind.

Can I use the Fuse card at an ATM?

No. The card states that Fuse cards cannot be used at ATMs currently, and the agreement lists ATM withdrawal and balance inquiry as not applicable. You cannot get cash from this card in any country. You can move USDC back from the Card Account to your Main Account, subject to a five-minute security time lock.

Is the Fuse card safe to use?

It is built on a real bank licence and real Visa authorisation, and it gives you usable controls: freeze and unfreeze, PIN reset, spending limits. But the funds are not FDIC insured, the issuer may block or cancel a card for suspected fraud, two-factor authentication is not mentioned, and the agreement uses binding arbitration with a class-action waiver. One App Store review reports an account closed with about $600 inaccessible.

How do I add the Fuse card to Apple Wallet?

Apple Pay is supported for in-person payments, and the card is virtual, so there is nothing to receive in the post — you add the card details already in the app. Apple Pay stores a device-specific number in the Secure Element rather than your card number, and each tap uses a one-time code. Google Pay is not mentioned on the card’s pages, so if you are on Android, ask support before relying on it.

What happens if I delete my Fuse account or the card is closed?

On closure the remaining balance is returned to the Platform Provider wallet as stablecoin, with no fee, but the bank may refuse to return balances under $1.00. Closure can also be blocked by a pending transaction, an open dispute, an amount owed or a hold on the account. Because any refund from a merchant is credited as stablecoin and stop-payments on card purchases are not allowed, the exit path runs through the platform rather than back to a bank account.

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