01
05
credit Card•
Payy Card
by Polybase Labs
Payy Card is a self-custodial 'Secured Credit Card' that allows you to spend USDC while keeping your funds on a private ZK-rollup network. It features a unique 'save-to-earn' points system and a gamified physical card that lights up upon use.
PAYY CARD
Polybase Labs
Cashback
Variable
Annual Fee
Free
FX Fee
1%
Staking
None
N/A
Max Cashback
Paid in Payy Points
$0
Annual Fee
0
Premium Perks
Available Regions
Unique Features
- Physical card has embedded LEDs that glow on tap
- Card spending is completely unlinked from on-chain wallet history (privacy)
- Points earned by holding balance, not spending
Pros
- True self-custody (funds are on-chain until spent)
- Private transactions (ZK proofs hide spending habits from blockchain)
- No monthly or issuance fees
- Unique light-up physical card design
Cons
- Physical card is difficult to obtain (requires 100k points)
- Physical card lacks Chip/Swipe (Contactless only)
- 1% Foreign Transaction Fee
- No spend-based cashback (only balance-based)
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
AvailableExcludedUnknown
Available In (2)
ArgentinaUnited States
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
ReplacementFree
Fee Structure
Annual FeeFree
Monthly FeeNone
FX Fee1%
Issuance FeeFree
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
Detailed Fee Structure
FX Fee1%
Fee Details
0% fees for issuance, monthly use, or top-ups. A 1% bank fee applies to non-USD transactions (Foreign Exchange).
Limits & Conditions
ATM withdrawals are supported but currently in 'Private Beta' - limits not publicly defined.
Crypto Capabilities
Security & Custody
Custody ModelNon-Custodial
Wallet TypeOther
InfrastructurePolybase Labs
Supported Assets
Chains
Payy Network (Custom ZK Chain)
Tokens
USDC
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
No specific perks listed for this card.
Rewards Program DetailsRewards are 'Save-to-Earn'. You earn 1 Payy Point per $1 held in your account balance per day. Spending does not generate points.
Invite friends to Payy and get 10,000 points when they successfully apply for a Payy Card. 100,000 Payy Points unlocks the physical light up Payy Card.
Payout Frequency
Daily
Exclusions
No spend-based rewards.
