Custody, rewards and fees by programme
| Programme | Rewards | What it charges | Net, before interchange |
|---|---|---|---|
| Self-custodial | |||
 Ether.fi Cash | 3-4% in ETHFI since Sep 2026 | $199 to $999 a year, 1-1.5% FX | -$18.2M |
 Gnosis Pay | 1-4% in GNO, ended 30 Sep | No FX markup; card closes 20 Dec | -$2.5M |
 Tria | 1.5-6% by tier, in USDT | $25 to $250 a year, 1% FX | -$1.3M |
 Plasma One | 2-4% in XPL, paid weekly | $199 a year or locked XPL, up to 1% FX | -$845k |
 Karta | No cashback; referral points | 1.5% on every payment | n/a |
 Wirex One | 0.5-8% in USD, set by WPAY held | 0% FX, no subscription | n/a |
 Coca | 1-8%, set by COCA staked | $5 physical card, 0% FX | n/a |
 Ethena Pay | 4-5% in AVAX by monthly spend | No FX markup | n/a |
| Custodial | |||
 RedotPay | 3% on Apple/Google Pay with Pro, to $18 a month | 1% conversion, 1.2% FX | n/a |
 KAST | 1.5-3% by tier in USD, plus points | $0 to $10,000 a year, 0.5-1.75% FX | n/a |
| Custody not confirmed | |||
| Kolo | 2% in BTC for 30 days, then 1% | 0% on stablecoins, 0.3-1% on other crypto | n/a |
Self-custodial
- Ether.fi Cash
- Rewards
- 3-4% in ETHFI since Sep 2026
- Charges
- $199 to $999 a year, 1-1.5% FX
- Net
- -$18.2M
- Gnosis Pay
- Rewards
- 1-4% in GNO, ended 30 Sep
- Charges
- No FX markup; card closes 20 Dec
- Net
- -$2.5M
- Tria
- Rewards
- 1.5-6% by tier, in USDT
- Charges
- $25 to $250 a year, 1% FX
- Net
- -$1.3M
- Plasma One
- Rewards
- 2-4% in XPL, paid weekly
- Charges
- $199 a year or locked XPL, up to 1% FX
- Net
- -$845k
- Karta
- Rewards
- No cashback; referral points
- Charges
- 1.5% on every payment
- Net
- n/a
- Wirex One
- Rewards
- 0.5-8% in USD, set by WPAY held
- Charges
- 0% FX, no subscription
- Net
- n/a
- Coca
- Rewards
- 1-8%, set by COCA staked
- Charges
- $5 physical card, 0% FX
- Net
- n/a
- Ethena Pay
- Rewards
- 4-5% in AVAX by monthly spend
- Charges
- No FX markup
- Net
- n/a
Custodial
- RedotPay
- Rewards
- 3% on Apple/Google Pay with Pro, to $18 a month
- Charges
- 1% conversion, 1.2% FX
- Net
- n/a
- KAST
- Rewards
- 1.5-3% by tier in USD, plus points
- Charges
- $0 to $10,000 a year, 0.5-1.75% FX
- Net
- n/a
Custody not confirmed
- Kolo
- Rewards
- 2% in BTC for 30 days, then 1%
- Charges
- 0% on stablecoins, 0.3-1% on other crypto
- Net
- n/a