Brighty Card
by Wireflexion sp. z o.o.
Brighty App (Wireflexion sp. z o.o., transitioning to Bequant Pro Ltd) offers personal IBANs, stablecoin Earning Vaults, and Visa/Mastercard spend-from-crypto cards with USDC cashback (0.5% base; selected categories up to 1.25%–1.75% by plan; monthly caps 20/60/100 USDC). As of the July 2026 provider transition, services are paused/limited: Visa cards frozen, Mastercard limited, top-ups blocked, FX unavailable, Vaults not earning, and new onboarding paused until Bequant Pro Ltd onboarding completes. Withdrawals remain available during the transitional period.
Unique Features
- 1-to-1 exchange between fiat EUR and EURC stablecoin
- Dynamic Card Linking: Ability to instantly "re-wire" your card in the app to draw funds from different crypto vaults or fiat accounts.
Pros
- Real-time spending of crypto with instant conversion
- Up to 10% APY on stablecoins paid daily
- 0.5% base cashback even on free accounts
- Personal EUR IBAN for easy top-ups
- TON network integration
Cons
- Paused/transitional: Wireflexion → Bequant Pro Ltd — Visa frozen, Mastercard limited, top-ups and FX blocked, Vaults not earning, new onboarding paused
- 2% FX fee on non-account-currency card transactions
- ATM fees on physical Visa (no free allowance; Plus/Pro EEA €3.50/€3.00)
- Monthly cashback caps on all plans (20/60/100 USDC)
- Physical Visa only on Plus/Pro; delivery €7.99–14.99
- Dormancy fees (€5/mo) for inactive/closed accounts
Integrations & Tech
Available In (31)
Tier Comparison
One
0.5% CashbackFee Structure
ATM Capabilities
Detailed Fee Structure
2% Visa/Mastercard FX fee. In-app exchange 0.4-0.6% after free limit
€5/month after 2 months of no withdrawal following account termination
Detailed Limits
Fee Details
Virtual Visa/Mastercard issue fee €2.99 (all plans). Physical Visa: One N/A; Plus/Pro issue €0, delivery €7.99–14.99. Card monthly service fee Free. Foreign transaction fee 2% (Visa/Mastercard). In-app currency exchange: free limit €0 (One) / €2000 (Plus) / €5000 (Pro), then 0.6% / 0.5% / 0.4%. ATM (physical Visa only): Plus EEA €3.50, Non-EEA €3.50+3.5%; Pro EEA €3.00, Non-EEA €3.00+3%. Balance inquiry: virtual €0.50 / physical €2.50 on Visa tables. Dormancy €5/mo after account termination/inactivity per crypto terms. TRANSITION (from 1 Jul 2026): Wireflexion wind-down → Bequant Pro Ltd; Visa frozen; Mastercard limited to EUR transactional accounts; top-ups and FX ops unavailable; Vaults not earning; new onboarding paused until Bequant onboarding.
Limits & Conditions
Virtual Visa purchase limits €15k (One/Plus) / €50k (Pro) monthly per Fees and Limits. Physical Visa: Plus €15k / Pro €50k. Virtual Mastercard: One/Plus €15k–€25k / Pro €50k. Max 10 card issuances per calendar month. Availability: EU/EEA plus Montenegro, Andorra, Switzerland, Liechtenstein, San Marino, Monaco, Moldova (Brighty FAQ). Physical cards Plus/Pro only.
Crypto Capabilities
Security & Custody
Supported Assets
