THE RATECARD.
a thin fee in. one fee to load. thirty cents to spend.
Money in costs 0.49% — a thin network fee, every asset. You pay the real fee once, when you move balance onto a card, and spending costs a flat 30¢ a payment. Nothing renews monthly. No fine-print categories, no fee schedule PDF.
The whole fee schedule fits on a receipt
SIX LINES.ALL OF THEM.
one fee at the door · 30¢ flat to spend · volume lowers the rate
LOAD MORE,PAY LESS.
The card-load fee follows your loads across a calendar month and re-rates itself automatically — starting with the very load that crosses the line. Move $3,000 onto cards in one month and you're already at 4.5%. Nothing to request, nobody to ask.
01 · card-load fee
5%
Standard
Every account starts here. No minimums, nothing to unlock.
02 · card-load fee
4.5%
From $3,000 a month
Applies itself mid-load — the load that crosses the line already pays the lower rate.
03 · card-load fee
4%
From $10,000 a month
The floor. Serious volume, the quietest rate on the board.
Volume counts per calendar month and resets on the first — your current rate shows the moment you load a card
WHAT THE CARD DRINKS.
Six assets, one rule: credited on confirmation minus a thin 0.49% network fee. The rate is quoted before you send a single sat; the heavier ladder fee comes later, only when you load a card.
Bitcoin
BTC · Bitcoin · on-chain
1 conf
min $20 · 0.49%
Ethereum
ETH · Ethereum mainnet
6 confs
min $10 · 0.49%
Tether
USDT · Tron · Ethereum · Solana
6 confs
min $10 · 0.49%
USD Coin
USDC · Ethereum · Base
6 confs
min $10 · 0.49%
Litecoin
LTC · Litecoin · on-chain
3 confs
min $10 · 0.49%
MoneroPrivate lane
XMR · Monero · on-chain
10 confs
min $10 · 0.49%
01
A thin fee to fund
Money in costs 0.49% — a thin network fee on every asset — so funding stays cheap. The heavier 5% load fee (4% with volume) is taken only when you move balance onto a card; after that the card spends at a flat 30¢ a payment.
02
Rate shown first
Conversion to balance happens at a rate quoted before you send. No second conversion at spend time, no quiet spread later.
03
The private lane
Fund with Monero and the trail ends at the chain — first-class, the same flat 0.49% deposit fee as every other asset, the same speed and the same limits, no side-eye.
Larger loads may wait one extra block — the dashboard counts it down live
WHAT $1,000 COSTS.
A first card: deposit $1,000, mint it, load it, spend it. Real numbers at the standard rate — judge it like an adult.
Nocturne · simulated statement
PRICED LIKE A TOOL.
Most anonymous cards are priced like a trap. The honest comparison, feature for feature.
Swipe sideways for the full table
Never on the bill
- Just 0.49% to fund — one flat rate on all six assets, nothing hidden on top
- No monthly subscription
- No percentage cut when you spend — 30¢ flat, never a slice of the cart
- No charge to freeze, unfreeze or check a balance
RUN YOUR OWN MATH.
Load what you plan to spend, watch the ledger live. Create your account — the rate card you just read is the whole deal.