The passport list is the whole story

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Rizon is a prepaid Visa Platinum card that spends from a crypto balance, and on paper it is one of the more generous of its kind: topping up is free, spending in US dollars costs nothing, and you can withdraw up to $250 from an ATM three times a day. The catch is not in the fee table. It is in who is allowed in. Availability rests on citizenship rather than where you live, and only 44 nationalities qualify. If your passport is not on that list, nothing else about this card matters to you. If it is — particularly a Latin American or Asian passport — you get a genuinely useful card with wide network reach and a clean 9/10 for top-up and everyday use. I score it 6.7 / 10 overall, and the split below explains exactly where that number comes from.

Conditions are current as of October 28, 2026.

Verdict

6.7 out of 10. That is a card that does one job very well and has an awkward front door. Let me take the score apart before anything else, because the total hides two very different cards: an excellent everyday instrument for an eligible passport holder, and a slightly cheaper, slightly clunkier version of the same thing for everybody else.

The score table, criterion by criterion, is the honest version of this review. Copy it out if you want the argument in one place.

Two things pull that average down and one thing holds it up. The eligibility rule is genuinely confusing — the marketing page and the help centre say different things — and the price of the physical card is not published anywhere I could find, which means the biggest single cost is the one you have to open the app to learn. Neither is disqualifying. Both are annoying in exactly the way that makes a card hard to recommend to a friend.

Who it suits: holders of a Latin American or Asian passport who want a Visa card that spends straight from a stablecoin balance, want free USD spending, and will mostly pay online or in stores rather than run up foreign-exchange costs. Who it does not suit: anyone whose passport is not on the 44-nation list, anyone whose main spend is in a currency other than USD, and anyone who wants a card whose fees they can read before they download anything.

Will they give you the card?

The honest answer is that the rules depend on your passport, not on where you live, and the two official pages contradict each other about it.

The help centre says availability is based on citizenship — your passport — not residence, and lists 44 supported nationalities: Antigua and Barbuda, Argentina, Australia, Bahamas, Barbados, Bangladesh, Belize, Brazil, Cayman Islands, Colombia, Costa Rica, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Japan, Malaysia, Mexico, Morocco, New Zealand, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, Suriname, Thailand, Turks and Caicos Islands, Uganda, UAE, United States, Uruguay and Zambia. Russia and Belarus are not on it.

The card page tells a different story. It says the services are “intended for people who live in and are domiciled in” the US or LATAM countries, may be restricted elsewhere, and separately claims 122+ countries are supported on the basis of residence. So which is it? Citizenship or residence? If your passport is on the list you are fine either way — a Brazilian passport works whether you live in Brazil or Portugal. If it is not, the “122+ countries” line reads as marketing rather than a route in, because the help centre is the page that describes the actual check.

This is not a technicality. Why does citizenship rather than residence decide things? Because of how these cards are underwritten. The card is issued by Signify Holdings Inc. and its subsidiary Nimbus LLC (Rain), with Rizon Technologies, UAB as the company making the products available. An issuer programs cards around the risk of the countries its customers come from, so nationality is the lever it pulls. That is also why a card issued under one jurisdiction can look “foreign” to a shop in another — a merchant can look up the first six or eight digits of the card number, see an issuing institution and country, and decide to be more careful with a card whose issuer country does not match the billing address. That check hits eligible users too, and it is a normal feature of card payments, not something wrong with Rizon.

The practical thing to do, before anything else, is to find your passport on that list of 44. If it is there, this review is for you. If it is not, stop reading — there is no version of Rizon that becomes available to you by moving.

How to get it

Assuming your passport qualifies, the process is a standard crypto-card signup: an app, an identity check, and a card. Details that are not stated are worth knowing about up front, because they are the details people get stuck on.

The card comes in three forms — virtual, physical, and metal, the last marked “Coming Soon” and not yet available. The physical card is a Visa Platinum. The currency the card itself runs in is not stated anywhere on the public pages, though USD and EUR accounts both exist inside the app, so you hold balances in both and the card draws on them.

On verification: KYC is required, and the app gives you one of two results. “KYC Declined” means your application was flagged by the KYC/AML provider and the decision is final — Rizon says it cannot override it. “Verification Incomplete” is the friendlier one, and it means something simple went wrong: a typo, an unclear document photo, or a bad selfie, and you are invited to try again. That distinction is the single most useful thing on this page for anyone applying, because a decline and a retry are very different fates.

How long it takes is not stated officially. Unofficial reports differ sharply, and the gap is the point: one reviewer’s test cleared passport verification with a selfie in two minutes, while other sources report manual KYC running beyond 24 to 48 hours against advertised minutes. Both can be true — an automated pass for clean documents, a human queue for anything the system is unsure about. Plan for the slow version if your name, date of birth or document is anything unusual.

On delivery: the card page says physical cards are delivered globally with an average of three days, while a help article narrows that to 49 countries and territories, including the US, Australia, Japan, Singapore, Brazil, Mexico, South Africa and the UAE — and in the US, only 31 states. Delivery cost and replacement cost are not stated; the app is where you find out. So the short version on the physical card: good coverage if you are on that 49, slower and pricer if you are not, and never assume you can reorder a lost card for free.

Fees: what it really costs

The headline numbers are genuinely good, and then there is the one number that is missing. Let me put the whole cost picture on one page first, because you should be able to see everything at once.

Now the three payments that tell you whether this is cheap for you or not. Because free USD spending is only free if you actually spend in USD.

A coffee in New York, $5. This is the free case, and it is the case Rizon is built for. Spending in USD costs nothing, no monthly fee applies, and if the purchase is eligible you get 2.5% back. That is a better effective rate than most bank cards give you.

A coffee in Tokyo, ¥800. Now the 1.7% + $0.10 applies. On a small purchase the fixed $0.10 is what stings — on $8 it is a notable addition to the cost, and on $80 it is less significant. This is the structural quirk of the fee: it punishes small foreign purchases disproportionately. If your daily life involves small purchases abroad, this card is not for you, and no subscription tier fully removes that shape, because Emerald only cuts the percentage in half.

An ATM withdrawal in Mexico, $200. Here the costs stack in a way you should see clearly. The $1 + 0.65% withdrawal fee applies, so about $2.30 taken from the amount. Then, if the ATM’s local currency is not USD, the non-USD spend fee — 1.7% + $0.10 — very likely applies on top, because the cash comes out in pesos. Roughly $5.70 to $6 of cost on $200, or about 3%, and you are still exposed to whatever the ATM’s own spread is. Card or app is much cheaper for the same money, which is the general rule with crypto cards that hold USD.

Two more cost facts to carry with you. First, the plan structure: there is a free Standard tier and a paid Emerald subscription from $5.59 a month, which halves the FX, trading and transaction fees; the card page also gestures at unnamed “higher tiers” that unlock premium benefits the more you spend, without saying what they are or what they cost. Second, an official silence worth flagging: what happens to your balance if you close the account is not stated. If a provider ever asks you to leave, know that nobody has publicly documented where the money goes.

On the unofficial pricing that floats around — and you should treat it as such, not as confirmed by the card — one October 2026 review puts the Standard virtual card at $10 one-time, Gold and Emerald virtual cards free, physical cards at $49.99 (Standard), $24.99 (Gold) and included (Emerald), with plans at Standard free, Gold $3.99/month and Emerald $6.99/month on a three-month minimum. The same review puts international fees at 1.7% + $0.10–0.30 for Standard, about 1.275% for Gold and about 1.02% for Emerald. I would not budget from those numbers: they contradict the official page on Emerald’s price, and the official page itself refers you to the app for the card price. Read the price in your own app.

How to Top up

This is the strongest part of the card and the reason it scores 9/10. Deposits are free, unlimited, and available on seven networks.

The list is Arbitrum, Solana, Base, Polygon, Optimism, Avalanche and BSC. The help centre describes them as “Solana and EVM-compatible”, which is a useful shorthand if you know what it means: Solana plus the Ethereum-family chains. The deposit fee is free and there is no limit on how much you can deposit — the official fees page says “No limit” for deposits, card spend and sends alike.

What is not stated on the official pages: which coins are accepted, the minimum deposit, and who pays the network fee. That third one matters more than it sounds. Blockchain networks charge for every transfer, and that cost belongs to you as the sender, not to the card provider — the provider’s fee is zero, the network’s fee is not, and the two are easy to conflate. Make sure you hold a little of the network’s own token before you send, or the transfer will simply not go through.

Unofficial sources fill in the coin question: USDC and USDT on Polygon, Optimism or Arbitrum, plus US bank transfer and credit card as further ways in. Take the stablecoin detail as guidance and confirm in the app, since the official help page names many more chains than that review does and the two are describing different things. If you want the general principle: stablecoins like USDC and USDT are designed to hold a steady value against a fiat currency, and they exist on many chains at once — Ethereum, Solana, Base, Polygon, Avalanche, Arbitrum and others among them.

The one thing to get right on a top-up is the network. Blockchain transfers are irreversible by design: nobody can reverse them, and a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost outright or need slow manual recovery with no guarantee of success. This is the single most common way people lose money to a card like this, and it is entirely avoidable — match the network in your wallet to the network the app is asking for, character by character, every time.

Paying with it every day

Once it is funded, this is a card that fits into a normal day without friction. Virtual and physical Visa Platinum, Apple Pay and Google Pay on the virtual card, and a virtual card you can provision into a phone wallet immediately.

Apple Pay is the smoother of the two routes for most people. When you add the card, Apple replaces the card number with a device-specific number kept in the phone’s secure hardware, never on Apple’s servers, and generates a fresh one-time security code for each payment. That is a real security improvement over handing over your card number at a terminal, and it means a stolen phone is less useful to a thief than a stolen card.

The rewards are where the day-to-day maths improves. The card page says 2.5% back on eligible purchases, online, in stores and at ATMs, redeemable from a cashback balance, alongside RizPoints on spending. That is a strong rate. What it is paid in is not stated, and it is worth checking, because a cashback balance that pays out in something other than dollars is a different proposition from 2.5% in cash. Unofficial sources also disagree with each other and with the card on the rate — one October 2026 review describes 1% capped at the plan fee on Gold, another write-up says 2.5%. The card’s own page says 2.5%, so that is the number I would plan around, with the caveat that “eligible purchases” is doing quiet work in that sentence and not every shop qualifies.

What is not stated, and what you may find yourself wanting: which merchants are blocked, and how disputes and chargebacks work. There is no help article on chargebacks that I could find, which is not the same as saying none exist — it means the mechanism is not documented in the place you would look for it. A chargeback is a refund ordered by the issuer to settle a dispute, with reason codes for fraud, duplicate billing or goods not received, and the strength of your protection depends on the card programme and the rules of the country it was issued in. In the US, debit reversal rights come from Regulation E and prepaid-card coverage varies; do not assume a crypto prepaid card inherits the same protection as a bank card.

Two smaller everyday things. A declined authorisation can leave a hold on your funds for several days — typically up to seven — which is awkward if you are spending money you have already counted. And the app’s ratings, for what it is worth: unofficial trackers report Google Play at about 4.3/5 from around 3,500 ratings and the App Store at 4.0 from 144, though that data is dated and older, and the card’s own site does not display ratings at all. An app you will use daily for freezing your card and reading your balance deserves a look before you trust it with money.

What can go wrong

Nothing here is catastrophic, and several things are fixable. But there are four real risks and one of them is structural.

The complaints are one-sided, and small-sample. The Trustpilot profile for Rizon sits at about 2.4/5 from 8 reviews, mostly one-star. Eight reviews is not a verdict on a company — but note the trap: that profile name collides with an unrelated IRC network, so it is unreliable in both directions and I would not treat it as established fact about Rizon either. The themes, which do recur across reports, are: a card fee charged before the KYC check finished, manual KYC review running past 24 to 48 hours against advertised minutes of approval, slow recovery on a deposit sent to the wrong network, and refund requests stuck in chatbot loops. The aggregator carrying these reports says Rizon acknowledged an onboarding flaw and planned a country-selection step in response. None of these are scams or insolvency; all of them are a young product being operated at a size it has not outgrown.

Fees before you are cleared. This one deserves emphasis because it is the most avoidable and the most annoying. A user report describes a virtual card issuance fee of roughly $3.50 charged before eligibility and KYC were complete. So: check the price in the app *before* you submit documents, and screenshot the balance before and after. An issuance fee you were not expecting, taken before a decision you did not yet have, is not fraud — it is a rough onboarding flow — but it is exactly the kind of thing that makes a card feel untrustworthy.

Deposits on the wrong network, and the wait that follows. As above: irreversible transfers, then a support queue, then no guarantee. Test with a small amount first.

Refund and support friction. The chatbot loop is the recurring story. The help centre is at intercom.help/rizon with a contact email on the page; phone and live chat are not mentioned and hours are not stated. Plan for written support, not for a call.

And the structural one, which is not a fault but a fact. This card is issued by Signify Holdings and Nimbus LLC (Rain), and Rizon Technologies, UAB is the company making the products available. A crypto card usually depends on more than one licence, and the brand you see is often the front end rather than the issuer. The category has a history here: Visa terminated its global agreements with FTX in November 2022 and the FTX US debit card was wound down, and WaveCrest, a Visa issuer that supplied several crypto card brands, was suspended by Visa in Europe in 2018, closing all its Visa programmes. When programmes close, the usual sequence is a notice period, then spending and loading stop, then you are asked to withdraw what is left. In this specific case I found nothing dated on licences, issuer changes or fines in 2025 or 2026, and the issuer named on the card page is Signify Holdings / Nimbus LLC; medium posts and aggregators name Third National as issuing bank, which I could not verify. If a provider ever asks you to move your balance somewhere, that is the moment to read rather than act.

On the security side, the design is on the right side of the line. Rizon describes itself as non-custodial: you keep full control of your funds and full responsibility for the recovery phrase. That means you are exposed to seed-phrase theft and phishing, but it also means a company failure cannot take your crypto — with a custodial provider you are trusting them with everything, and the category has the receipts. Historic custodial failures include Mt. Gox (about $350 million reported stolen, 2011–2014), Coincheck (about $400 million, 2018) and Ronin Network ($625 million, 2022). Rizon also offers biometric login, what it calls smart fraud protection, and the ability to lock and unlock a physical card in the app. Two-factor authentication and insurance are not mentioned.

What to take instead

If Rizon’s citizenship rule or its unpublished card price turns you away, these are the three I would look at, and the honest reason each might suit you better.

TokenPocket is the one to consider if your passport is not on Rizon’s 44 but you live in Europe, Australia, Canada or Japan. It issues a Mastercard debit across a broad list of Asia-Pacific markets and a Visa debit across European ones, running on Arbitrum with EUR24 and USD24 balances. The fees are thinner than they look: an NFT creation fee is partly covered by TokenPocket so you pay “a small portion”, the stated policy is no other charges, and the 1% deposit fee is refunded later through rewards and reduced transaction fees. No cashback rate is stated, though.

MetaMask scores highest of the three at 7.1 and takes a different approach: the card spends directly from your connected wallet rather than from a preloaded balance, which means no top-up step and no stored balance to lose. It is a Mastercard from Monovate with Crypto Life as card provider, virtual first and instant, with a metal card you can pre-order afterwards. Virtual is free with no annual or maintenance fee; Metal is $199 a year. Fees are described as minimal per transaction with no MetaMask-specific additions and no foreign transaction fee, but the amounts are not stated on the pages I read. Two things to weigh: the networks and tokens are specific — Linea, Base, Monad, Solana, with mUSD, wETH, EURe, GBPe, USDC and USDT named — and a Solana-only wallet cannot withdraw the credit. Rewards are tiered: 1% cashback in mUSD on Virtual, and on Metal a headline 3% that the footnote limits to the first $10,000 spent, then 1%. Eligibility is also narrower than it first looks; ineligible regions limit sign-ups but not spending.

KAST is the one with the most transparent numbers, and for a high-spender the fee structure is the best in this group. Non-USD FX runs 0.5%–1.75% depending on your country, the transaction country and the programme, non-USD transactions under $25 add $0.10, and a declined transaction for insufficient balance costs $0.50. USD spending, stablecoin top-ups, transaction fees and Apple/Google Pay are all 0%. Rewards scale with the tier: 1.5% cashback on the first $2,000 a month for Standard, 2% on the first $10,000 for Premium, 3% on the first $40,000 for Private. Membership is annual and upfront — Standard free, Premium $1,000, Private $10,000 — and a Standard physical card is $0 plus $40 delivery. What I would not gloss over: the eligibility rules are unusually strict about documents, with dual citizens holding an ID from a supported country able to pass, an account creatable in an unsupported country but locked at KYC, and no VPN bypass. It accepts USDT and USDC on Ethereum, Solana, Polygon, Arbitrum and TRON, though its own terms say only USDT and USDC are acceptable, which conflicts with the app listing PYUSD and RLUSD too. There is also a $1/month inactivity fee after 12 months.

Who I would recommend it to

If you are reading this and your passport is on that list of 44, and most of your spending is in dollars or in stablecoins you already hold, this is a good card and I would not make you feel silly for choosing it. The top-up experience is close to frictionless across seven networks at no provider fee, USD spending is free, Apple Pay works immediately, and the 2.5% back on eligible purchases is better than most bank cards offer. Add a $250-per-withdrawal ATM allowance three times a day and you have a card that genuinely covers a week of ordinary life.

If you are spending mostly in euros, pounds, yen or anything that is not USD, the maths works against you: 1.7% + $0.10 on every purchase, with the fixed component brutalising small amounts. If your passport is not on the list, this is not your card no matter where you live. If you are the kind of person who needs to know what a card costs before you download the app, “check the app for the price” is a real friction — and the Emerald tier’s inconsistent published pricing does not help.

What I would do before signing up, in order: find your passport on the 44-nation list, read the card price and your intended Emerald or Standard fees inside the app, check which currency your balance opens in, and confirm the network the app is asking for before your first deposit — starting with a small amount. And if you are eligible but plan to hold real money on it, understand the non-custodial arrangement properly: your funds are yours and your recovery phrase is yours, which is the right design and a real responsibility.

Frequently asked questions

What is the Rizon card?

The Rizon card is a prepaid Visa Platinum that spends from a crypto balance rather than from a linked bank account. You top it up with stablecoins on a blockchain, and each payment converts and draws down that stored balance, so the card cannot overdraw. There is a virtual version, a physical one, and a metal version still marked “Coming Soon”. Rizon Technologies, UAB makes the products available; the card is issued by Signify Holdings Inc. and its subsidiary Nimbus LLC, also known as Rain.

Who can actually get the Rizon card?

Availability is based on citizenship — your passport — not residence. The help centre lists 44 supported nationalities, including the United States, Japan, Singapore, the UAE, Brazil and Mexico; Russia and Belarus are not on it. The card page separately claims 122+ countries on the basis of residence, which does not match. If your passport is on the list, you qualify regardless of where you live. If it is not, there is no workaround.

Does the Rizon card require KYC?

Yes. Identity verification is required, and the app returns one of two results. “KYC Declined” is final and Rizon says it cannot override a flag from its KYC/AML provider. “Verification Incomplete” is a retryable outcome, usually caused by a typo, an unclear document photo or a poor selfie. Unofficial reports say a clean passport-and-selfie check cleared in two minutes, while other sources describe manual reviews running beyond 24 to 48 hours.

How much does the Rizon card cost?

Spending in USD is free, account maintenance is free, and depositing is free with no limit. Spending outside USD costs 1.7% + $0.10, and an ATM withdrawal costs $1 plus 0.65%. The Emerald subscription starts at $5.59 a month and halves the FX, trading and transaction fees. The price of the virtual, physical, additional or replacement card is not published — the card’s own page says “Check app for the price”.

How do I top up the Rizon card?

You deposit on-chain, and the provider’s fee is free with no limit on the amount. Supported networks are Arbitrum, Solana, Base, Polygon, Optimism, Avalanche and BSC. Which coins are accepted is not stated on the official pages; unofficial reviews name USDC and USDT on Polygon, Optimism or Arbitrum, and also mention US bank transfer and credit card. Always match the network exactly, because blockchain transfers cannot be reversed.

Is spending in dollars on the Rizon card really free?

Yes. Card spending in USD carries no fee, which is the single best feature of the card and the reason it scores 9/10 for everyday use. Spending in any other currency costs 1.7% + $0.10, with the Emerald tier listed at 1.02% on a page that renders the figure unclearly. You can hold both USD and EUR balances in the app, though the currency the physical card itself runs in is not stated on the public pages.

What are the Rizon card’s ATM and spending limits?

Physical cards can withdraw cash at ATMs worldwide. Unofficial figures give $1 plus 0.65% per withdrawal, up to three withdrawals per 24 hours, capped at $250 each. Deposits, card spending and sends are all listed officially as having no limit. One thing to know that is not a limit but feels like one: a declined payment can leave a hold on your funds for several days, typically up to seven.

Is Rizon a bank, and who actually issues the card?

No, Rizon is not a bank. Rizon Technologies, UAB makes the products available, while the card is issued by Signify Holdings Inc. and its subsidiary Nimbus LLC, also known as Rain. Some third-party write-ups name Third National as the issuing bank, but the card’s own page does not, and I could not confirm it. It describes itself as non-custodial, meaning you keep control of your keys and responsibility for your recovery phrase.

Is the Rizon card safe to use?

The design is sound: non-custodial, biometric login, described fraud protection, and instant card lock and unlock in the app. The practical risks are elsewhere. Trustpilot shows roughly 2.4/5 from 8 mostly one-star reviews, and unofficial user reports describe a card fee charged before KYC completed, KYC running past 24 to 48 hours, slow recovery on wrong-network deposits, and refund requests looping through a chatbot. For deposit safety, test with a small amount first and verify the network character by character.

Is the Rizon card worth it?

For an eligible passport holder who spends mostly in dollars and already holds stablecoins, yes — free USD spending, free deposits across seven networks, Apple Pay, and 2.5% back on eligible purchases are hard to argue with. It is not worth it if you spend mostly outside the US, if your passport is not among the 44 listed nationalities, or if you need every fee published in advance. Check the card price in the app and your tier’s real FX fee before committing.

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