Ugly Visa
by UglyCash
UglyCash is a stablecoin-native neobank built on the Reserve Protocol, serving LATAM and California. It features a prepaid Visa spending directly from stablecoin balances (eUSD, hyUSD) which earn 4-8% APY credited minutely. The app provides virtual US routing numbers and EU IBANs for seamless fiat transfers. The 'Ridiculously Exclusive Membership' ($20/mo) is a subscription add-on that boosts cashback up to 6% (paid in RSR; based on 30-day trading volume) and adds 4 fee-free transactions per month.
Unique Features
- Real-time yield crediting (second-by-second)
- Integration with Reserve Protocol's RToken ecosystem
- Exclusive Membership with cashback of 2-6% based on 30-day trading volume
Pros
- High stablecoin yield (4% base, up to 8%) 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
- Virtual Luxembourg IBAN (limited to business or self-funding sources)
Cons
- Cashback paid in volatile RSR token
- ATM withdrawal fee of $2.50 + 1% (up to $2.50 + 2% in El Salvador/Ecuador)
- US availability restricted to California
- Metal card is not yet available (Coming Soon)
Integrations & Tech
Available In (42)
Tier Comparison
Standard
1% CashbackFee Structure
Detailed Fee Structure
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: $2.50 + 1% (rest of world; El Salvador/Ecuador $2.50 + 2%, Mexico $2.50 + 1.35%, Argentina/Bolivia $2.50 + 1%); partial reimbursement of ATM operator access fees in RSR. 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
Spending limit ($10k/mo) is cumulative with ATM withdrawals. 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
