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
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.
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.
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 the WeFi Card
Virtual card from 10 USDT. Spend crypto at 140 million merchants worldwide.
Independent review. Not affiliated with WeFi Technologies Ltd.
Last updated
May 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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