EB1 Card

What the EB1 Card is

EB1 is not marketed as a crypto card. It is marketed as a private membership for people who live across borders - concierge access to hotels, experiences and privileges including Formula 1 races, Art Basel and the Cannes Film Festival - with a payment card as one component. The company's own framing is that the opportunity is bigger than the card itself, combining spend, app control, concierge access and membership services.

Underneath, the card is what you would expect: a Visa charge card, virtual and physical, available across Gold, Platinum and Black membership tiers, funded with USDT, USDC, BTC or ETH, with conversion to fiat and settlement handled by partner financial institutions at the time of the transaction. Card controls include instant freeze, PIN changes and real-time transaction tracking, with Apple Pay, Google Pay, offline POS, online shopping and subscriptions all supported.

The structure, which is the important part

The legal entity is EB1 Payment Services Provider L.L.C, registered in Dubai. Independent tracking classifies EB1 as a programme manager: it runs the membership platform, the technology and the card programme, but does not issue the cards itself, does not custody client funds, and does not provide regulated banking or virtual asset services. Those are handled by regulated third parties. On the international card's terms it is a commercial charge card - spending creates charges you settle - rather than a revolving credit account.

The practical consequence is that the issuer and licence behind the card are not named, even though EB1 itself is a verified, identifiable company with a real Dubai registration and full KYC on the customer side (government-issued ID, no proof of address required).

What is not published

Almost the entire fee schedule: monthly fee, card issuance fee, ATM fee, top-up fee, failed transaction fee, cashback and all spending limits are blank across all three tiers in independent databases, meaning EB1 does not disclose them publicly. The one number that is published is the up to 3% foreign exchange charge on non-USD transactions, which for a card positioning itself at high-net-worth members is high, and which members are told they can improve at higher tiers.

Availability and who it suits

The card is in public beta by invitation, and the international version is restricted to commercial use - a US applicant can request access through EB1's separate US programme, but the card is intended for business spending rather than personal. If you want a premium card with a named issuer and published fees today, this is not it: look at dtcpay for a licensed Visa Infinite programme, or the wider crypto cards directory.

Card features

• Visa charge card in virtual and physical form, across Gold, Platinum and Black memberships.
• Funded with stablecoins, BTC or ETH, with instant crypto-to-fiat conversion at the point of sale.
• Apple Pay and Google Pay supported, along with offline POS, online shopping and subscription payments.
• Instant card freeze, PIN changes and real-time transaction tracking.
• ATM withdrawal supported.

Membership privileges

• Concierge access to hotels, experiences and privileges.
• Invitations to curated events including Formula 1 races, Art Basel and the Cannes Film Festival.
• Bespoke gatherings and travel privileges for members.
• Preferential exchange rate spreads at higher membership tiers.

Requirements

• Full KYC with a government-issued ID; proof of address is not required.
• Invitation or approved application - the programme is in public beta.
• Commercial use: the international card is a business charge card, not a personal spending card.

Funding assets

The EB1 Card accepts USDT, USDC, BTC and ETH for top-up. Conversion from crypto assets to fiat and settlement are handled by partner financial institutions during transactions - EB1 itself states it does not custody client funds.

How the money moves

• Load cash, stablecoins or other supported digital assets into the payment platform.
• A regulated third-party entity converts the funds and handles card issuance and settlement.
• Spending creates a charge on a commercial charge card rather than drawing on a revolving credit line.

Custody and who is regulated

This is a programme-manager structure rather than a self-issued card: EB1 Payment Services Provider L.L.C manages the platform, technology and customer service, while the funds, the card issuance and the regulated financial services sit with unnamed partner institutions. Because the issuer is not disclosed, you cannot verify the regulatory perimeter behind the card from public information - request those details from EB1 directly before funding it.

Published

• Foreign exchange fee: up to 3% on non-USD transactions across all three tiers, with better spreads for higher memberships.

Not published

• Monthly membership or card fee.
• Card issuance fee.
• ATM withdrawal fee and any limits.
• Top-up or loading fee.
• Failed transaction fee.
• Daily, monthly and ATM spending limits.
• Cashback or any reward rate.

How to read an undisclosed schedule

A card that publishes only one number - a 3% FX cap - and nothing about what it costs to join, hold or withdraw should be priced out directly with EB1 before you commit, particularly at membership level. For a charge card, the fee that matters most is often the one that is not on the page: how the balance is settled and whether membership fees are annual, monthly or bundled into the tier.