WeFi Card
WeFi Crypto Card: 1.5% Fees and Global ATM Access
Physical and virtual. Spend crypto at 140 million merchants. Every transaction increases your Mining Power in the WeFi ecosystem.
140M
Merchants worldwide
1.5%
Spending fee with Energy
$25,000
Per-transaction limit
Key Takeaways
- Fees
1.5% spending fee with Energy active, 3% without. Lower than Bybit (1.89%), Wirex (2%), Coinbase (2.69%), and Crypto.com (3.11%).
- Limits
$25,000 per transaction, $50,000/month, $350,000/year. Energy balance extends the per-transaction cap further.
- Cards
Virtual (10 USDT), Plastic, and Metal. Virtual works with Apple Pay and Google Pay from activation.
- Non-Custodial
Non-custodial option: funds stay in a smart contract as collateral. WeFi processes payments without controlling your assets.
- Spending-as-Mining
Each card transaction triggers an onchain event that contributes to Mining Power. Spending is not terminal — it accumulates.
Quick Facts: WeFi Crypto Card
What Is the WeFi Crypto Card
A payment card connected to onchain accounts
The WeFi Card connects to WeFi's non-custodial deobanking accounts and processes payments through global payment networks. Unlike standard crypto cards that liquidate assets on each purchase, WeFi uses a Distributed Custody model — funds stay in onchain wallets while payment access is delegated separately.
WeFi runs on its own blockchain infrastructure. Full WeFi ecosystem overview →
Physical and virtual versions accepted at 140 million merchants worldwide
Non-custodial option: you keep ownership of assets, not the card issuer
ZK-KYC: regulatory compliance without exposing personal data
Each transaction triggers an onchain accounting event, increasing Mining Power
Spending-as-Mining
How spending increases Mining Power
Traditional cards treat spending as a terminal event — money leaves and nothing else happens. WeFi Card works differently. Each transaction settles a payment AND triggers an automated onchain event that contributes to Mining Power.
Payment settles
Transaction processes via standard global payment networks at point of sale. No manual asset conversion needed.
Onchain event fires
Automated onchain accounting event records the transaction. This happens for every payment, regardless of size.
Mining Power increases
The transaction volume contributes to Mining Power in the WeFi ecosystem. It accumulates transaction by transaction.
This applies whether you pay for groceries, travel, or a streaming subscription.
Mining Power also accumulates through ITO Mining Units. How ITO Mining works →
Card Types
Virtual, Plastic, and Metal
Lives in your phone. Works with Apple Pay and Google Pay from activation. Accepted anywhere contactless payments are supported. Start for 10 USDT.
- Apple Pay & Google Pay
- Instant activation
- QR code payments
Everyday physical card. Accepted at 140 million merchants and ATMs worldwide. Chip, contactless, and magnetic stripe.
- Global ATM access
- Chip + contactless
- 140M+ merchants
Metal construction with premium benefits and enhanced limits. Built for high-volume users who want a more capable card.
- Metal construction
- Premium benefits
- Enhanced limits
Key Features
What the card does
Custodial and non-custodial options
Standard custodial card deposits funds with the issuer. Non-custodial holds crypto in a smart contract as collateral — you keep ownership while the card still works.
Apple Pay and Google Pay
The virtual card integrates with both platforms. Contactless payments at any shop that accepts mobile payments, without carrying a physical card.
ATM withdrawals worldwide
Convert crypto to cash at ATMs globally. 2.5% withdrawal fee with Energy active, 5% without. Cash access in regions where crypto-to-fiat conversion is otherwise difficult.
W-Asset support
Virtual currency accounts for digitized fiat. Store and manage multiple fiat currencies in digital form to simplify global transactions and currency conversions.
Flexible card tiers
Virtual, Plastic, and Metal options to match different spending volumes and preferences. Upgrade as usage grows.
High spending limits
$25,000 per transaction, $50,000 monthly, $350,000 annually. Energy balance can extend the per-transaction ceiling beyond the default.
Fees & Limits
What you pay, with and without Energy
Energy is a WeFi mechanism that reduces fees and extends limits. Micro-transactions under $25 may carry higher rates regardless of Energy status.
Energy balance extends the per-transaction limit above the default $25,000 cap.
Energy Explained
WFI Token → Energy → Lower fees
Energy is WeFi's fee mechanism. Holding WFI Tokens generates Energy algorithmically over time. When your Energy balance is active, the spending fee drops from 3% to 1.5%, transaction fees go to 0%, and ATM withdrawals fall from 5% to 2.5% — the fee difference is purely a function of Energy status.
Hold WFI Token
WFI Token holdings in your WeFi account drive Energy generation. No staking required — holding is enough.
Energy accumulates
Energy builds continuously while you hold WFI Tokens. Card spending consumes Energy; larger WFI holdings sustain higher levels.
Fees reduce automatically
Active Energy: 1.5% spending, 0% transaction, 2.5% ATM. Inactive: 3%, 1%, 5%. No manual action needed.
WeFi vs Competitors
Spending fee comparison
Spending fee comparison across crypto card providers. WeFi rate shown with Energy active.
Rates sourced from official documentation: Bybit Card, Wirex, Coinbase Card, Crypto.com, WeFi (wefi.co). Rates subject to change — verify before signing up.
Who It's For
Is the WeFi Card right for you?
Strong fit
Frequent travelers — 0% foreign exchange fee when spending abroad
Everyday crypto spenders who hold WFI Token — active Energy drops the fee to 1.5%
Users who want to keep asset ownership — the non-custodial option holds funds in a smart contract, not with the issuer
People already building Mining Power through ITO who want spending to add to it
Think twice if
Your country isn't in the current rollout — physical card and ATM access depend on regional issuing partners
You won't hold WFI Token — without active Energy the spending fee is 3%, not 1.5%
You want fixed cashback — Spending-as-Mining is a variable algorithmic distribution, not a guaranteed percentage back
Before You Sign Up
Limitations and what to check first
An honest read of the trade-offs. Card economics and availability depend on your region and your Energy status.
Onboarding takes time
The virtual card activates fast, but ZK-KYC verification for physical cards can take a couple of days before the card ships. Plan ahead if you need it by a specific date.
Availability is regional
The rollout proceeds market by market. Physical card issuance, ATM access, and merchant acceptance run through local issuing partners, so coverage and limits vary by country. Verify availability for your region before registering.
Fees hinge on Energy
The headline 1.5% rate assumes active Energy, which requires holding WFI Token. Without Energy the spending fee is 3% and ATM withdrawals are 5%. Energy needs no staking; holding is enough. It does tie your card rate to a second asset, though.
No guaranteed output
Spending-as-Mining increases Mining Power, which feeds an algorithmic WFI distribution. It is not cashback and not income. No fixed or guaranteed return is promised.
Check before registering
- Card availability and supported features in your country
- Current fees and limits at wefi.co — rates change
- KYC requirements and expected verification time
How to Get Started
How to Get the WeFi Crypto Card
Virtual card activates instantly for 10 USDT. Physical cards ship after KYC verification.
Create a WeFi account
Sign up at wefi.co and complete ZK-KYC verification. Your identity is confirmed without exposing personal data to third parties.
Choose your card type
Virtual card starts at 10 USDT and activates instantly — works with Apple Pay and Google Pay right away. Plastic and Metal ship physically.
Fund and activate
Top up your account with crypto. Activate the card in the WeFi app. Add to Apple or Google Pay for contactless payments at any supported merchant.
Frequently Asked Questions
Get your WeFi Card
Virtual card from 10 USDT. Spend crypto at 140 million merchants worldwide. Order yours in minutes.
Get the WeFi CardIndependent review. Not affiliated with WeFi Technologies Ltd.
Last updated
July 2026
DeoFin is an independent informational resource. Not affiliated with WeFi Technologies Ltd. Nothing on this site constitutes financial advice. Card fees and limits sourced from WeFi's public materials and may change without notice.
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