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debit Card•
Moonwell Card
by CypherD Wallet Inc.
Moonwell Card is discontinued. Cypher cancelled the cards on 8 Aug 2026; existing cards worked until 7 Aug 2026.
MOONWELL CARD
CypherD Wallet Inc.
Cashback
Variable
Annual Fee
Free
FX Fee
1.5%
Staking
None
N/A
Max Cashback
$0
Annual Fee
0
Premium Perks
Available Regions
Unique Features
- Borrow-and-Load: Fund card via DeFi loans
- Auto-Load: Automated trigger to refill card from line of credit
Pros
Cons
- Standard DeFi liquidation risks apply if collateral value drops
- 0.5% fee on every top-up (load)
- Borrowing USDC incurs variable interest rates
- Not available in New York state and Vermont
- Requires KYC with Cypher (third-party provider)
- Card is discontinued — Cypher cancelled Moonwell cards on 8 Aug 2026. Existing cards worked until 7 Aug 2026.
Integrations & Tech
Debit Mode
IBAN Support
iOS App
Android App
Credit Mode
IBAN: No personal IBAN provided; card is funded via on-chain USDC transfers.
AvailableExcludedUnknown
Not Available In (1)
Global
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
ReplacementFree
Fee Structure
Annual FeeFree
Monthly FeeNone
FX Fee1.5%
Issuance FeeFree
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto Conversion0.5%
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Fee After Limit3%
Detailed Fee Structure
FX Fee1.5%
Top-Up Fee0.5% (0.5% to load USDC on-chain to card)
0.5% to load USDC on-chain to card
Detailed Limits
ATM Limits$2,000/day
Daily Amount
2,000 USD
Fee Details
Fees are determined by Cypher. Standard Cypher pricing applies: 0.5% fee to load USDC (on-chain to card), 1.5% Foreign Exchange fee. Moonwell does not charge additional protocol fees for the card itself, but standard borrowing interest rates apply to the USDC borrowed.
Limits & Conditions
ATM withdrawals are generally capped at $2,000/day. Exact spending limits are determined by the KYC tier approved by Cypher's banking partner.
Crypto Capabilities
Security & Custody
Custody ModelHybrid
Wallet TypeEOA
InfrastructureCypher
Supported Assets
Chains
Base
Moonbeam
Moonriver
Tokens
ETH
wBTC
DOT
KSM
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
No specific perks listed for this card.
Rewards Program DetailsNo direct cashback on spending. 'Rewards' are derived from the 'DeFi Yield' nature of the product: users continue to earn supply APY and WELL liquidity mining rewards on their collateral while spending borrowed USDC.
