What Is the Moonwell Card?
The Moonwell Card is a Visa Platinum crypto debit card, built with Cypher to bring crypto spending to everyday transactions.
You load your card with USDC and spend it anywhere Visa is accepted. Online or in store, your card works like a traditional debit card.
Why Use the Moonwell Card?
The card bridges your onchain funds and everyday spending. Instead of manually offramping crypto to a bank before you can spend, you load USDC and tap to pay.
Paired with Auto Load, your card can even draw from USDC that's earning yield until the moment you spend it.
Where Can I Use It?
The Moonwell Card is available in over 180 countries, and you can spend anywhere Visa is accepted globally.
The card supports both Apple Pay and Google Pay for fast, secure payments on your phone.
How Does It Work Behind the Scenes?
When you load USDC to your card, here's the journey your funds take:
Your USDC transfers to Cypher.
Cypher sends it to Circle Mint for processing.
Funds move to Reap, a Hong Kong-based bank partner.
Finally, the funds reach the Visa network for spending.
This infrastructure converts your crypto smoothly into spendable fiat currency, so checkout feels like any other card payment.
Key Features
The Moonwell Card includes several security and control features:
Instant freeze and unfreeze: Lock or unlock your card instantly from the Moonwell app.
International purchase controls: Set spending rules based on location.
Spending limits: Control how much you can spend to protect your funds.
Lockdown Mode: A security feature that disables all card transactions when you need complete protection.
How Many Cards Can I Have?
You can have one card per wallet. If you want multiple cards, you'll need to create separate wallets, and each additional card requires its own KYC (identity verification).
Need Help?
All card-related issues should be directed to Cypher. You can get in contact with their support team from their website.
Frequently Asked Questions
What currency is on my card?
Funds on the card are held as fiat for spending. You load with USDC, which is converted in the background.
Can I use it like a normal debit card?
Yes. It works anywhere Visa is accepted: online, in store, and through Apple Pay or Google Pay.
What if I lose my card?
Freeze it instantly in the Moonwell app, then arrange a replacement.
Do I need to keep crypto to use the card?
You spend the fiat balance you've loaded. With Auto Load, your card can refill automatically from a USDC vault position. (See Auto Load for Your Moonwell Card.)