Copperx Personal Card
by Piers Technology Inc
Copperx Personal Card is a prepaid Visa card that you top up with USDC or USDT from your wallet and spend anywhere Visa is accepted, online or in-store. A virtual card costs $8/year and an optional physical card costs $80/year (issuer fee list, July 2026). Idle stablecoin balances earn 4–5% APY, paid daily, with no lock-up.
Unique Features
- Collateralized spending model
Pros
- No monthly fees
- Global ATM access
Cons
- Physical card costs $80/year (virtual $8/year)
- Points redemption not live yet (gift cards 'coming soon'; points have no cash value)
- FX fee on non-USD spend is published inconsistently by KOSH: 0.5% (help fee list), 1.5% (Global Card page), 2% (US Consumer Card Terms)
- High ATM fees (No free limit; $1 + 1% + FX applies; $1 balance inquiry, $1 decline)
- Card availability depends on country of residence (not supported in India)
- New sign-ups paused (KOSH login page, as of 22 Oct 2026)
Integrations & Tech
Available In (1)
Not Available In (11)
Tier Comparison
Standard
1% CashbackFee Structure
Spending Limits
ATM Capabilities
Detailed Fee Structure
Not a single published FX %: 0.5% (KOSH help fee list, 22 Jul 2026) vs 1.5% (KOSH Global Card page) vs 2% (US Consumer Card Terms, 28 Apr 2026)
$1 + 1% + applicable FX; $1 balance inquiry; $1 decline
Detailed Limits
Fee Details
Per issuer fee list (KOSH Everyday Card, help article dated 22 Jul 2026; Copperx support now redirects to the KOSH help center): virtual card $8/year, physical card $80/year; USD transactions 0%; USDC/USDT deposit/settlement free; no monthly fee; ATM withdrawal $1 + 1% + applicable FX (physical card only); ATM balance inquiry $1; ATM decline $1; dispute request $30. Physical card shipping: Express, up to 10 business days, $80 (confirm exact charge at checkout). FX conflict (checked 29 Oct 2026): KOSH help fee list (22 Jul 2026, https://support.koshmoney.com/en/articles/12526312-what-are-the-fees-and-pricing-for-the-kosh-card) says 'Foreign Exchange Fee 0.5% added FX'; the KOSH Global Card page (https://koshmoney.com/global-card) says 'Spend at 1.5% FX in 180+ countries'; the US Consumer Card Terms (28 Apr 2026, https://koshmoney.com/legal/consumer-card-terms-us) list 'Foreign Exchange (FX) 2%' and 'International Transaction US $0.3 + 2% FX'. OCC leaves the FX % blank until KOSH aligns them.
Limits & Conditions
ATM (physical card only): $250 per transaction, 3 withdrawals per day, no specific weekly or monthly limit (issuer fee list; implied $750/day). Virtual cards can't be used at ATMs.
Crypto Capabilities
Security & Custody
Supported Assets
