The Self-Custody Crypto Card
Spend crypto at 150M+ merchants with a Visa card — without handing your money to anyone. Your keys, your funds, real-world spending.
Most crypto cards are custodial: a company holds your funds, and you trust them not to freeze, lose, or mismanage your money. A self-custody crypto card flips that. Your balance stays in a wallet only you control, and you can still tap to pay anywhere Visa is accepted. You get the convenience of a neobank with the sovereignty of crypto.
How a self-custody crypto card works
- You hold the keys. Funds live in your self-custody wallet — Encrypto never takes control of your money.
- Spend instantly. The Encrypto Visa card draws from your balance at checkout, at 150M+ merchants worldwide.
- Earn while idle. Your balance can earn DeFi yield between purchases instead of sitting still.
- Move money on real rails. Virtual bank account numbers support ACH, SEPA, PIX, SPEI, Wire, and Zelle.
Why self-custody beats custodial
Custodial cards are convenient until a custodian freezes accounts, changes terms, or hits a solvency problem — and your money is exposed. Self-custody removes that counterparty risk while keeping everyday usability. It's especially important in Latin America, where people use crypto and stablecoins to protect savings and need to actually spend them without giving up control.