Category
  • DeFi Apps
  • Digital Wallets
  • Neobanks
  • Payments
Use Cases
  • B2B Payments
  • E-commerce Payments
  • Payment Settlement
On/Off-Ramps
  • Yes
Platform
  • Android
  • iOS
  • Web
Free/Paid
  • Free
Region
  • APAC
  • Europe
  • LATAM
  • Middle East and Africa
  • North America
Support
CypherD Wallet Inc.

Cypher is a Y Combinator-backed company which launched the world’s first zero-fee crypto card in 2022, making it seamless to spend crypto anywhere, just like cash.

Cypher is a Y Combinator-backed company that launched the world’s first zero-fee crypto card in 2022, making it seamless to spend crypto anywhere, just like cash.

Our non-custodial wallet supports 20+ networks, enabling users to fund their cards with 500+ coins and tokens in just a few clicks. With built-in swap and bridging capabilities, users can move assets across 25+ chains, including EVM, Solana, Cosmos, and Tron—all within the Cypher ecosystem.

A Card Built for Global Access

Cypher offers both virtual and physical cards:

  • Instant virtual card available upon sign-up
  • Two-step card funding process
  • Physical card support in 150+ countries (one of the few crypto cards to do so)
  • Apple Pay & Google Pay support
  • Fraud detection dashboard to prevent any unrecognized transactions
  • ATM withdrawals

For users seeking premium benefits, our Premium Plan offers the best FX rates and an exclusive metal card for an elevated spending experience.

We also help businesses in the crypto space manage finances effortlessly. Our business payouts solution simplifies payroll processing and business card management, solving a major pain point for Web3 companies.

Cypher Business Features:

  • Issue multiple cards for team members under one account
  • Spend limits & advanced analytics
  • Expense tracking & data visualization
  • Global payouts in fiat, powered by digital dollars
  • SWIFT wires, ACH (U.S.), and NEFT (INR) transfers

At Cypher, we’re on a mission to redefine payments—bridging crypto and traditional finance to create a seamless spending experience for individuals and businesses alike.

Use Cases

Seamless Cross-Chain Crypto Management

Alexandra is an active crypto trader with holdings across multiple blockchain networks. She has assets in Ethereum, Solana, and Cosmos, which she regularly swaps to take advantage of market trends. However, managing funds across several wallets and networks was tedious and time-consuming. With Cypher's non-custodial wallet, Alexandra can consolidate all her crypto assets in one place. She easily transfers her funds between Ethereum, Solana, Cosmos, and more, without needing a third-party custodian. Whether she’s swapping tokens or bridging funds between chains, Cypher’s wallet allows Alexandra to do all this in just a few clicks. This means Alexandra can stay ahead of market opportunities without worrying about complex wallet management.

Instant Spending with Zero Fees

Mark is a frequent traveler who gets paid in crypto and also prefers paying in crypto, but he often struggles to find a way to use his crypto for everyday purchases without hopping from one platform to another and incurring high conversion fees. He needs a solution that works everywhere and offers seamless spending. Cypher's zero-fee crypto card makes Mark’s life much easier. By simply loading his wallet with his preferred cryptocurrencies, he can spend them anywhere that accepts traditional cards, including online retailers and in-store purchases. Mark can use his crypto directly, without worrying about hidden charges eating into his funds.

Streamlining Payroll and Vendor Payments

Sarah, a Web3 startup founder, needs to pay her team in fiat. Managing payroll and vendor payments across different systems is becoming a time-consuming task, especially since her team is spread globally. Cypher’s business account provides Sarah with a one-stop solution. She can easily issue multiple cards for her employees, set spend controls, and manage expenses from a centralized dashboard. The best part is that she can pay her team in digital dollars and automatically convert it to fiat to pay vendors or contractors anywhere in the world. Whether it's a SWIFT wire, ACH transfer, or NEFT payment, Cypher’s platform covers it all.

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