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Ready
ReadyVirtual + Physical

Ready (Starknet)

Ready (formerly Argent) is a self-custody Starknet crypto debit card that spends USDC anywhere Mastercard is accepted. Two tiers: Ready Metal ($120/yr, 0% FX, up to 3% back, free ATM to $800/mo) and Ready Lite (free, 1% FX). Ready Rewards + Ready Travel perks. KYC by Kulipa. UK + EEA.

5.0
Europe, United Kingdom Mastercard Visit website

Overview

Ready (formerly Argent, the pioneering Starknet smart-wallet team) issues a self-custody crypto debit card that lets you spend USDC anywhere Mastercard is accepted. Unlike most crypto cards, Ready never holds or controls your funds — your crypto stays in your self-custodial Starknet wallet until you make a payment; the card simply facilitates spending while you remain in full control.

Two tiers

  • Ready Metal — a premium 16g metal card, available in Gold or Platinum finish. $120 USDC for the first year (paid upfront). Up to 3% back in Ready Rewards Points, 0% FX fees, free ATM withdrawals up to $800/month, exclusive partner perks, and Ready Travel.
  • Ready Lite — a plastic card with essential features. Free; you only pay $6.99 shipping for the physical card. 1% FX fee, 2% ATM withdrawal fee, Ready Rewards Points, Ready Travel.
  • Both tiers include a free virtual card you can add to Apple Pay or Google Pay instantly.

Self-custody — your keys, your coins

Ready never holds or controls your funds. Your USDC stays in your Starknet self-custody wallet until a payment is made — no banks, no intermediaries, no pooled balances. KYC is handled separately by Kulipa, a regulated French card issuer, and Ready does not process or store your personal data.

Zero hidden fees

  • No crypto-to-fiat conversion fees — 1 USDC = 1 USD.
  • Official Mastercard exchange rate with no hidden markups (use the Mastercard Currency Converter Calculator for the live rate).
  • No top-up fees — your crypto stays in your wallet until you spend it.

Ready Rewards

Ready Rewards is a points system that rewards activity in the Ready app. You earn points by buying/selling tokens in-app and by spending on your Ready Metal Card. Use points to refund card purchases or — coming soon — get discounted subscriptions on Claude, Netflix and Spotify (25% more value on redemption).

Ready Travel

Included on both tiers — book flights, hotels and travel directly from the Ready app and get exclusive cardholder rates and offers, with no separate signup and no extra fees.

Multiple funding methods

  • Bank deposit — money sent from your bank account is auto-converted to USDC, instantly spendable.
  • Buy in-app — purchase crypto via Ramp or Banxa using Apple Pay, Google Pay, card payment or bank transfer.
  • Easy Bridging — bridge assets from exchanges or other wallets to Ready within seconds.
  • Starknet transfer — send from another Starknet wallet for less than $0.01, instantly.
  • Ready Gift — claim a crypto gift from an existing Ready user and onboard in minutes.

Limits

  • ATM: $500/day, $2,500/rolling 30-day window, $30,000/year.
  • Spending: $5,000 max per transaction, $10,000/day, $30,000/30 days. Limits apply per user, not per card.

For whom

Ready is built for UK and EEA residents who want true self-custody of their crypto while spending USDC anywhere Mastercard is accepted — ideal for Starknet natives, DeFi users and anyone who values 'your keys, your coins' on a payments product.

Ready keeps USDC in a Starknet self-custody account and settles spending on Mastercard, with a free tier and a $120-a-year metal card. Zeal runs the same self-custody debit model on Gnosis Pay rails, and Solid pays 3% to 5% in USDC for holding a stablecoin balance. Compare their tiers in the crypto cards directory.

Features & Benefits

Self-custody meets Mastercard

  • Self-custody crypto debit card — Ready never holds or controls your funds.
  • Spend USDC anywhere Mastercard is accepted, globally.
  • Your crypto stays in your Starknet wallet until you make a payment.
  • KYC handled by Kulipa (regulated French card issuer) — Ready does not process or store your personal data.

Two tiers

  • Ready Metal — 16g metal card, available in Gold or Platinum finish. $120 USDC for the first year (upfront). Up to 3% back in Ready Rewards Points, 0% FX fees, free ATM withdrawals up to $800/month, exclusive partner perks, Ready Travel.
  • Ready Lite — plastic card. Free; $6.99 shipping for the physical card. 1% FX fee, 2% ATM withdrawal fee, Ready Rewards Points, Ready Travel.
  • Both tiers include a free virtual card you can add to Apple Pay / Google Pay instantly.

Zero hidden fees

  • No crypto-to-fiat conversion fees — 1 USDC = 1 USD.
  • No hidden markups on exchange rates — official Mastercard rate (use the Mastercard Currency Converter Calculator).
  • No top-up fees — your crypto stays in your wallet until you spend it.

Ready Rewards

  • Earn points by buying/selling tokens in the Ready app and by spending with your Ready Metal Card.
  • Use points to refund card purchases.
  • Coming soon — pay for Claude, Netflix and Spotify subscriptions with points at 25% more value.

Ready Travel

  • Book flights, hotels and travel directly from the Ready app.
  • Exclusive cardholder rates and offers — no separate signup, no extra fees.
  • Included on both Metal and Lite tiers.

Partner perks (Metal tier)

  • Exclusive offers on Layerswap, Koinly, Nansen, StarknetID, Airalo and NordVPN.
  • Layerswap fees refunded in STRK weekly (up to $100/month).
  • Check the Ready app for the current full list and discount codes.

Multiple funding methods

  • Bank deposit — auto-converted to USDC, instantly spendable.
  • Buy crypto in-app via Ramp or Banxa (Apple Pay / Google Pay / card / bank transfer).
  • Bridge from exchanges or other wallets via Easy Bridging.
  • Transfer from another Starknet wallet for less than $0.01, instantly.
  • Receive a Ready Gift and onboard in minutes.

Supported Cryptocurrencies

Ready is a self-custody card — your crypto stays in your Starknet wallet until you spend it. The card itself only loads and spends USDC (Circle USD Coin); additional cryptocurrencies may be added in the future.

Card balance / spend asset

  • USDC — the only asset loaded and spent at point of sale on the Ready Card.

Wallet funding methods (all convert to USDC for spend)

  • Bank deposit — funds auto-converted to USDC, instantly spendable.
  • Ramp / Banxa in-app buy — Apple Pay, Google Pay, card or bank transfer; crypto bridges to USDC.
  • Easy Bridging — bridge assets from exchanges or other wallets to Ready.
  • Starknet transfer — send from another Starknet wallet for less than $0.01, instantly.
  • Ready Gift — claim a crypto gift from an existing Ready user.

Direct spend from non-USDC assets

Not supported on the card today. Spend draws from your USDC balance; if balance is insufficient, the card declines. Convert other tokens to USDC inside the Ready wallet before spending.

Networks / chains

  • Starknet — primary L2 the Ready wallet and card are built on.
  • Mastercard — card-scheme network at point of sale.

Fees & Limits

Card cost

  • Ready Metal: 120 USDC for the first year, paid upfront. Future monthly payment option planned.
  • Ready Lite: free — you only pay $6.99 shipping if you want the physical plastic card.
  • Both tiers include a free virtual card.

Fees & FX

  • Ready Metal: 0% FX fees, no crypto-to-fiat conversion fees, no top-up fees. 1 USDC = 1 USD.
  • Ready Lite: 1% FX fee on card transactions.
  • Official Mastercard exchange rate is used without hidden markups. Use the Mastercard Currency Converter Calculator for the live rate.
  • No top-up fees — your crypto stays in your self-custody wallet until you spend it.

ATM withdrawals

  • Ready Metal: fee-free ATM withdrawals up to $800/month, then standard rates.
  • Ready Lite: 2% fee on all ATM withdrawals.
  • Limits (both tiers): $500/day, $2,500/rolling 30-day window, $30,000/year.
  • $2,500 limit is a rolling 30-day window, not a calendar month.
  • Third-party ATM operators may charge additional surcharges.

Spending limits (per user, not per card)

  • Maximum single transaction: $5,000.
  • Daily spending limit: $10,000.
  • 30-day spending limit: $30,000.
  • Contact Ready support for temporary limit increases on large purchases.

Refunds

  • Merchant refunds can take up to 5 days to appear in your spendable balance.
  • Contact help@ready.co if a refund hasn't arrived after 5 days.

Pros & Cons

Pros

  • True self-custody — Ready never holds or controls your funds; crypto stays in your Starknet wallet until spend
  • Mastercard network — spend USDC globally at any of 100M+ merchants accepting Mastercard, in person or online
  • Two clearly differentiated tiers: premium 16g Metal ($120/yr) and free Lite (only $6.99 shipping)
  • Ready Metal: 0% FX fees, no crypto-to-fiat conversion fees, no top-up fees — 1 USDC = 1 USD at the official Mastercard rate
  • Up to 3% back in Ready Rewards Points on every eligible spend with Metal
  • Free ATM withdrawals up to $800/month for Metal tier (2% on Lite)
  • Free virtual card on both tiers, instantly addable to Apple Pay or Google Pay
  • Ready Travel perks included on both tiers — exclusive cardholder rates on flights, hotels and bookings in-app
  • Metal tier partner perks — exclusive offers on Layerswap, Koinly, Nansen, StarknetID, Airalo and NordVPN
  • Multiple funding methods — bank deposit auto-converts to USDC, in-app Ramp/Banxa buys, Easy Bridging, sub-$0.01 Starknet transfers, Ready Gift
  • Kulipa (regulated French card issuer) handles KYC — Ready itself does not process or store personal data
  • Strong UX heritage — Ready is the team behind Argent, one of the most respected Starknet smart-wallet projects

Cons

  • USDC only for card loading and spending — no BTC, ETH or other direct crypto spend on the card
  • KYC required (ID verification handled by Kulipa) — not a no-KYC card
  • Geographic issuance limited to UK and EEA via Kulipa; not available to US, APAC, LATAM or most other regions
  • Ready Metal costs $120 USDC upfront for year one (no installment option yet)
  • Ready Lite charges 1% FX fee and 2% ATM withdrawal fee (paid tier benefits reserved for Metal)
  • ATM limits are fairly tight: $500/day, $2,500/rolling 30-day window, $30,000/year
  • Spending limits per user (not per card): $5,000 per transaction, $10,000/day, $30,000/30 days — may need manual support request to raise
  • Subscription perk redemptions (Claude, Netflix, Spotify) are listed as 'coming soon' — not yet live
  • Ready Rewards points excluded on cash-equivalent categories (gambling, money transfers, tax payments, tuition)
  • Self-custody means you must keep your wallet funded with USDC — card declines if balance insufficient (no overdraft, no credit)
  • Refunds from merchants can take up to 5 days to reappear in spendable balance
  • Premium Metal and Gold/Platinum designs are aesthetic only — no credit building, prepaid-style product

Frequently Asked Questions

What is the Ready Card?

The Ready Card is a self-custody crypto debit card that lets you spend USDC anywhere Mastercard is accepted. Unlike most crypto cards, Ready never holds or controls your funds — your crypto stays in your self-custodial Starknet wallet until you make a payment. There are two tiers: Ready Metal ($120 USDC/yr, 0% FX, free ATM up to $800/mo, up to 3% back in Ready Rewards Points) and Ready Lite (free, $6.99 shipping, 1% FX, 2% ATM fee).

How do I order the Ready Card?

You order your Ready Metal or Lite card directly from the Ready app after completing ID verification. Download the Ready app from the App Store or Google Play, complete Kulipa's ID verification, and your virtual card is issued instantly; physical cards ship after verification.

Is Ready the same company as Argent?

Ready is the consumer brand formerly known as Argent — one of the earliest and most respected smart-wallet teams on Starknet. Ready builds the self-custodial Starknet wallet that powers the card; Kulipa (a regulated French card issuer) handles KYC and issuance. Ready never holds or controls your funds.

Which cryptocurrencies can I load and spend on the card?

Currently the Ready Card only supports USDC for loading and spending. You fund your wallet with USDC and the card spends USDC at point of sale, auto-converted to local fiat at the official Mastercard exchange rate with no markup.

How do I fund my Ready Card?

Five ways: (1) Bank deposits directly from your bank account — auto-converted to USDC, instantly spendable; (2) Buy crypto in-app via Ramp or Banxa using Apple Pay / Google Pay / card / bank transfer; (3) Bridge assets from exchanges or other wallets via Easy Bridging; (4) Transfer from another Starknet wallet for less than $0.01, instantly; (5) Receive a Ready Gift from an existing user.

How much does the Ready Card cost?

Ready Metal: $120 USDC for the first year, paid upfront. Future plans include a monthly payment option. Ready Lite: free — you only pay $6.99 shipping if you want the physical plastic card. Both tiers include a free virtual card.

What are the fees and FX rates?

Ready Metal: 0% FX fees, no crypto-to-fiat conversion fees, no top-up fees. 1 USDC = 1 USD; we use the official Mastercard exchange rate without markups. Ready Lite: 1% FX fee on card transactions.

What are the ATM withdrawal limits and fees?

ATM limits: $500 per day, $2,500 per rolling 30-day window, $30,000 per year. The 30-day limit is rolling — not a calendar month. Ready Metal gets up to $800/month in fee-free withdrawals; Ready Lite pays a 2% fee on all ATM withdrawals. Third-party ATM surcharges may apply on top.

What are the spending limits?

Maximum single transaction: $5,000. Daily spending limit: $10,000. 30-day spending limit: $30,000. Limits apply to the user, not per card. Contact Ready support for temporary limit increases on large purchases.

Can I withdraw from ATMs?

Yes — any ATM that accepts Mastercard. Ready Metal gets up to $800/month fee-free; Ready Lite pays 2% per withdrawal. ATM withdrawals do not earn Ready Rewards points (cash-equivalent transactions are excluded).

Is the Ready Card self-custodial?

Yes. Ready never holds or controls your funds. Your crypto stays in your self-custodial Starknet wallet until you make a payment; the card simply facilitates spending while you remain in full control of your assets. KYC is handled separately by Kulipa, a regulated card issuer — your ID data does not affect self-custody.

Do I need to verify my ID?

Yes. You must complete ID verification before receiving the Ready Card, to comply with regulations, prevent fraud, and ensure compatibility with Mastercard. Verification is handled by Kulipa, a regulated card issuer. Ready does not process or store your personal data, and KYC does not impact self-custody.

What are Ready Rewards points?

Ready Rewards is a points system that rewards activity in the Ready app. You earn points by buying/selling tokens in the app and by spending with your Ready Metal Card. Points can be used to refund card purchases or — coming soon — get discounted subscriptions on Claude, Netflix and Spotify (25% more value on redemption). Metal tier earns the highest rate plus access to Points boosts.

Which spending categories qualify for Ready Rewards?

All transactions qualify except restricted categories such as gambling, cash-equivalent transactions (ATM withdrawals), money transfers, tax payments, tuition, and other financial services.

What perks come with the Ready Card?

Ready Travel is included with both Ready Metal and Ready Lite — book flights, hotels and travel directly from the Ready app with exclusive cardholder rates and offers. Ready Metal also gets boosted Ready Rewards Points and partner benefits on Layerswap, Koinly, Nansen, StarknetID, Airalo and NordVPN (subject to change; check the Ready app for full list).

Can I upgrade from Ready Lite to Ready Metal?

Yes — you can upgrade from Lite to Metal inside the Ready app, unlocking 0% FX, free ATM withdrawals up to $800/month, the highest Ready Rewards Points earn rate, and exclusive partner perks.

Fees at a Glance

Setup / IssuanceFree
Monthly feeFree
Annual fee$120
ATM withdrawalReady Metal: fee-free ATM withdrawals up to $800/month, then standard rates. Ready Lite: 2% fee on all ATM withdrawals. Limits: $500/day, $2,500/rolling 30 days, $30,000/year. Third-party ATM operator surcharges may apply.
FX feeReady Metal: 0% FX. Ready Lite: 1% FX. Official Mastercard exchange rate, no hidden markups. No crypto-to-fiat conversion fees and no top-up fees; 1 USDC = 1 USD.
CashbackUp to 3%
Spending limitMaximum single transaction: $5,000. Daily spending limit: $10,000. 30-day spending limit: $30,000. Limits apply per user, not per card. Contact Ready support for temporary limit increases on large purchases.

Supported Coins

USDC

Fiat Currencies

USDEURGBPLocal fiat at Mastercard point of sale

Available In

United KingdomFranceGermanySpainItalyNetherlandsBelgiumIrelandPortugalSwedenDenmarkFinlandNorwayAustriaPolandLithuaniaLatviaEstoniaGreeceCzech RepublicSlovakiaSloveniaCroatiaBulgariaRomaniaCyprusLuxembourgMaltaIcelandLiechtenstein
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