Ugly Visa
by UglyCash
UglyCash is a stablecoin-native neobank built on the Reserve Protocol, serving Latin America and the other countries on its supported list. It features a prepaid Visa spending directly from stablecoin balances (eUSD, hyUSD) which earn a reward APY credited in real time (2% base, up to 6%, per UglyCash's Rewards Program help). The app lets users get paid 'from US, EU and MEX bank accounts' (ugly.cash homepage), through USD, EUR and MXN virtual accounts from partner Bridge (UGLYCASH Partnership Terms). The 'Ridiculously Exclusive Membership' ($20/mo) is a subscription add-on that boosts cashback up to 4% (paid in RSR, per UglyCash's Rewards Program help, 19 Aug 2026) and adds 4 fee-free transactions per month.
Unique Features
- Real-time yield crediting (second-by-second)
- Integration with Reserve Protocol's RToken ecosystem
- Ridiculously Exclusive Membership with boosted cashback up to 4%
Pros
- Reward APY on balance (2% base, up to 6%) credited in real time
- Supported in many countries where USD banking is difficult
- Free crypto deposits & subsidized withdrawals on Base network
- Physical and Virtual Visa cards available
Cons
- Cashback paid in volatile RSR token
- Metal card is not yet available (Coming Soon)
Integrations & Tech
Available In (41)
Not Available In (1)
Tier Comparison
Standard
1% CashbackFee Structure
Detailed Fee Structure
UGLYCASH withdrawal fee by ATM country, from 9 Feb (https://intercom.help/Uglycash/en/articles/11825330-what-are-the-fees-in-uglycash); ATM operator access fees extra, partly reimbursed in RSR
Detailed Limits
Fee Details
Card FX fees: Colombia 1%, Mexico 0.66%, rest of world 2.5% (fees article; the Ugly Visa help article still says 2%). ATM withdrawals (UGLYCASH withdrawal fee by ATM country, applied from 9 February; fees article https://intercom.help/Uglycash/en/articles/11825330-what-are-the-fees-in-uglycash): rest of the world USD $2.50 + 1%; El Salvador & Ecuador USD $2.50 + 2%; Mexico USD $2.50 + 1.35%; Argentina & Bolivia USD $2.50 + 1%. Any ATM access fee is set by the ATM operator; where one was charged, UGLYCASH reimburses USD $0.75 + 0.25% of the fees in RSR on Fridays. Visa card usage fee: $0. Crypto Trading (BTC/ETH): 1.22%. Crypto Deposits: Free. Crypto Withdrawals: $1 (<$100) or $2 (>$100), plus network fees (free for eUSD/hyUSD/USD3 on Base). Physical card shipping costs vary by country.
Limits & Conditions
Ugly Visa limits (help article https://intercom.help/Uglycash/en/articles/10022877-the-ugly-visa): card spend $10,000 per 24 hours and $20,000 per 30 days; ATM cash withdrawals $500 per 24 hours and $5,000 per 30 days. Stablecoin withdrawal limit: $20,000 per 30 days. Crypto withdrawal limits: 0.12 BTC/day, 2.18 ETH/day.
Crypto Capabilities
Security & Custody
Supported Assets
