Xverse Card

What is announced

Xverse, the Bitcoin wallet built by Secret Key Labs, has announced the Xverse Card as a crypto-backed card that unlocks instant purchasing power online and in-store. It is not launched: Xverse has opened a waitlist for exclusive updates and priority onboarding, and has published no fees, limits, network details or launch date.

What already exists

The groundwork is real. Xverse Cash is live as a tab inside the wallet and forms a Bitcoin neobank layer in progress. It currently supports stablecoins on three rails — USDC on Starknet, USDB on Spark and USDCx on Stacks — with tools to fund the account, pay with those funds and convert between them.

Why the self-custody detail matters

Xverse keeps Bitcoin keys on your device, and Cash operates under the same self-custody model. That is a different proposition from the custodial cards that dominate this directory: balances are not held by a company, and there is no issuer balance sheet standing between you and your stablecoins. It also means there is no custodial recovery if you lose access.

What Cash does today

Lightning payments are live through Spark for sending and receiving, available from the Cash tab's Pay flow as well as the standard Send flow. USDB rewards can be tracked in the app under a Rewards tab, showing the BTC accrued through the stablecoin rewards programme alongside other active offers.

Xverse brings self-custodial stablecoin balances and Lightning payments to a Bitcoin wallet, with a card attached. Tonhub links a card to a non-custodial wallet the same way, and Solflare does it for Solana. The crypto cards directory notes which features are live.

Live today in Xverse Cash

• Stablecoin balances across Starknet (USDC), Spark (USDB) and Stacks (USDCx).
• Fund, pay with and convert those balances inside the wallet.
• Lightning payments through Spark for both sending and receiving.
• Track USDB rewards in BTC under the Rewards tab.
• Keys remain on your device under self-custody.

Announced for the card

• A crypto-backed card unlocking instant purchasing power online and in-store.
• A waitlist for exclusive updates and priority onboarding.

The wider wallet

• Bitcoin, Stacks, Starknet, Spark and stablecoin wallets in one app.
• Bitcoin DeFi, L2 and Lightning support, plus Ordinals, Runes and BRC-20 assets.
• Xverse Earn, sBTC staking and bitcoin-backed borrowing products.

Stablecoins across three rails

Cash supports USDC on Starknet, USDB on Spark and USDCx on Stacks. Each rail carries its own trade-offs: USDB on Spark is the asset connected to the rewards programme that pays out in BTC, while USDC on Starknet and USDCx on Stacks connect to the wider stablecoin and Bitcoin L2 ecosystems.

Bitcoin at the centre

Xverse is a Bitcoin-first wallet, and everything around Cash — sBTC staking, bitcoin-backed borrowing, Ordinals and Runes support — keeps BTC central. The card is billed as crypto-backed rather than stablecoin-only, so the assumption is that bitcoin positions will back purchasing power once it launches.

What to confirm at launch

Which assets the card accepts, whether it spends bitcoin directly or only stablecoins, and how self-custody interacts with settlement are all unanswered. Treat the asset list above as the stablecoins available in the wallet today, not as a confirmed card funding list.

Card fees

None published. Xverse has not disclosed card issuance costs, annual or monthly fees, FX costs or ATM charges, because the card is still at the announcement and waitlist stage.

Cash fees

Xverse does not publish a fee table for Cash either. Lightning payments through Spark are marketed on their speed and low cost, and USDB rewards accrue in BTC, but the underlying conversion and network costs are not itemised publicly.

How to evaluate it when it launches

Three questions will decide whether this card is competitive: what the card costs to get and run, what conversion spread applies when stablecoins become a merchant payment, and whether the card can draw from self-custody balances without moving funds into a custodial account. The third is the one that would distinguish it from every custodial card in this directory.

Cost of the wallet today

Using Xverse Wallet and Cash costs nothing at the account level — there is no subscription — and you pay network and protocol costs as they arise.