Our verdict
Best for: European DeFi users who want the cleanest non-custodial experience
Bleap uses MPC wallet technology with key shares split across devices, you never hand over custody. Zero FX markup, and up to 20% cashback with a realistic ~2% for most users. Europe-only for now, with APAC and LatAm expansion planned. The card is early-stage which brings both risk and upside. For European DeFi users who want a modern non-custodial card without the complexity of Gnosis Pay's Safe setup, Bleap is the most accessible option.
Specifications
| Card network | Mastercard |
|---|---|
| Provider | Bleap Finance Sp. z o.o (Poland) / Unlimit (Cyprus) |
| Funding model | Self-custodial: funds stay in your wallet until spent |
| Settlement currency | USD |
| Available in | Europe + Switzerland (LATAM rollout Q1 2026). Not US. |
| Supported chains | Multi-chain via MPC wallet (Ethereum, Solana, Base, Arbitrum, Polygon) |
| Supported assets | USDC, USDT, BTC, ETH, SOL + others |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | Free or not disclosed |
| Top-up fee | 0% |
| Foreign transaction fee | 0% |
| Cashback | Up to 20% in USDC (realistic ~2%) |
| Daily spend limit | , |
| Monthly spend limit | , |
| Last verified | 2026-04-30 |
What to watch out for
- Non-custodial via MPC wallet (Multi-Party Computation, key shares split across encrypted enclaves)
- 1:1 stablecoin to fiat conversion at spend with zero markup
- up to $400/mo free ATM
- up to 8% AER on USDC stablecoin savings
- cards issued by Unlimit (Cyprus EMI license)
- Mastercard glow-in-the-dark physical card
Editorial notes
- Free virtual card and free physical card with shipping
- no annual or monthly fees
- no FX markup
- no conversion fees
- uses official Mastercard rate without spreads
- funds held in segregated account with Bleap
- Apple Pay/Google Pay supported
Frequently asked questions
Where is the Bleap available?
As of 2026-04-30, Bleap is available to residents of Europe. Specific country list: Europe + Switzerland (LATAM rollout Q1 2026). Not US..
How does the Bleap cashback work?
Bleap offers up to 20% cashback paid in USDC. Base rate 1-2% in USDC on most purchases; 3% on Uber/delivery (cap €500/mo); 20% on subscriptions (Netflix €20/mo cap, Disney+ €200/yr cap, ChatGPT €30/mo cap, gaming services); 2% promotional on restaurants/supermarkets through May 2026 (cap €1K/mo). Free ATM up to €400/mo. Non-custodial MPC wallet, no staking required. In practice, the realistic effective rate for most users is around 2%.
What are the fees on the Bleap?
Bleap has no issuance fee, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Is the Bleap self-custodial?
Yes. With Bleap, your funds remain in your own wallet until each transaction is authorised. The card provider does not hold your assets.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.