OrbitX Card

What OrbitX is

OrbitX is a stablecoin banking platform with two sides. The consumer app gives individuals a single balance that feeds a card, named bank accounts in multiple currencies and international transfers. The business side provides multi-currency corporate accounts, corporate cards, payroll and vendor payments, treasury management and card-as-a-service for wallets, exchanges and fintechs that want to launch their own branded cards. Its stated aim is to join traditional and stablecoin rails in one system rather than acting as a crypto card bolted onto a bank.

Two consumer cards, both with published fees

Neo costs $12 a year, is issued on Visa Platinum, supports up to 10 add-on cards and allows $50,000 of spending a day. Lux costs $30 a year on Visa Signature with unlimited spending and a higher ATM ceiling. That price difference is small, and the fee tables differ more meaningfully: Lux halves the FX fee from 2% to 1%, reduces the declined-transaction charge from $0.20 to $0.10, and includes a metal card where Neo charges $100 for plastic.

Where the money sits

Cards are funded from a wallet built on a non-custodial model, with balances held as USDT or USDC on Polygon or Base and Solana and Tron listed as upcoming. The account layer adds named bank accounts (IBANs) so you can receive local payments that settle automatically into a unified USDC balance, and balances can earn yield through self-custodial, on-chain strategies with no lock-ins.

Be precise about what OrbitX is

OrbitX states plainly that it is a financial technology company, not a bank or regulated financial institution, and that regulated services come from its partner banks. Deposits sit behind multiple licensed institutions across Europe, the Middle East, Africa, the Americas and Asia-Oceania, and the operating entity is registered in Singapore. That structure is common for platforms of this kind, and it means your protections depend on the partner institution holding your funds rather than on OrbitX itself.

OrbitX pairs stablecoin accounts with two Visa tiers, Neo at $12 a year and Lux at $30, and publishes its full fee schedule. Rizon is the other stablecoin-first Visa with published cashback, and Tap keeps a free virtual card with no subscription. The crypto cards directory compares the tiers.

Consumer card tiers

• Neo: $12 a year, Visa Platinum, virtual card, plastic available at $100, up to 10 add-on cards, $50,000 daily spend limit, $500 daily ATM limit.
• Lux: $30 a year, Visa Signature, unlimited daily spending, $1,000 daily ATM limit, metal card included.
• Both support USD as the card currency and USDT or USDC funding on Polygon and Base, with Solana and Tron upcoming.

Accounts and transfers

• Named bank accounts and IBANs to receive like a local, settling into a unified USDC balance.
• Multi-currency accounts in USD, EUR, GBP and AED.
• Transfers to 100+ countries through local clearing or SWIFT, described as near-instant and sent under your own name.

Yield

• Earn yield on USDC through self-custodial, on-chain strategies with no lock-ins or intermediaries.

For businesses

• Corporate cards at $2 per month per employee card with a 0.50% deposit fee, $0.20 per transaction and 1.50% FX.
• Multi-currency business accounts, vendor, payroll and invoice payments, and global treasury management.
• Card as a service: launch branded Visa or Mastercard cards funded by stablecoin balances, plus embedded wallets, cross-chain deposits and off-ramps to 100+ countries.

Funding assets

Cards are funded with USDT and USDC on Polygon and Base, with Solana and Tron listed as upcoming networks. Stablecoin funding keeps the card balance predictable, and the card currency itself is USD, so the spend experience is dollar-denominated.

Unified balance

OrbitX's design merges incoming payments - including those received through named IBANs - into a single USDC balance that backs the card. That reduces the friction of holding separate balances per currency, but it also means your spending power is tied to one stablecoin position rather than spread across fiat accounts.

Yield

USDC balances can be put to work through self-custodial on-chain strategies, described as having no lock-ins and no intermediaries. Yield rates are not published on the card fees page and are variable, so treat any return as strategy-dependent rather than fixed.

Neo card, $12 a year

• Fiat conversion fee: $0.20
• FX fee on non-USD spending: 2.00%
• Deposit fee: 0%
• Withdrawal fee: $2.00
• ATM withdrawal: base ATM charges plus 2% plus $2, limited to $500 a day
• Physical plastic card: $100
• Card replacement: $100
• Declined transaction (low authorisation): $0.10

Lux card, $30 a year

• Fiat conversion fee: $0.10
• FX fee on non-USD spending: 1.00%
• Deposit fee: 0%
• Withdrawal fee: $2.00
• ATM withdrawal: base ATM charges plus 2% plus $2, limited to $1,000 a day
• Metal card: included
• Card replacement: $199
• Declined transaction (low authorisation): $0.05

Corporate cards

• $2 per month per employee card
• Deposit fee: 0.50%
• Transaction fee: $0.20
• FX fee on non-USD spending: 1.50%

How to read these numbers

The $12 and $30 annual fees are almost irrelevant next to the transactional charges. A declined transaction still costs you 10 cents on Neo and 5 cents on Lux, ATM use stacks base operator charges with 2% and $2 on top, and the FX gap between the tiers - 2% versus 1% - pays back the extra $18 a year in Lux fee after only $1,800 of non-USD spending. If you travel or buy in foreign currencies often, Lux is the cheaper card despite costing more.