Seven lines. No fine print.

Card

one-time, chosen when you create · Shadow $15 · Aurora $25 · Eclipse $5

from $15

Card load

the working fee on Shadow and Aurora; steps down automatically with your last 30 days of load volume

5% → 3.5%

Eclipse load

the media rail loads cheaper; same last 30 days window, restricted to advertising platforms — the Eclipse AI edition adds AI subscriptions; refunds on it return minus the issuer's refund charge, shown at order time

3.5% → 2.5%

Deposits

flat on every asset, quoted before you send

0.49%

Payments

we add nothing to a payment; a declined attempt costs $0.25, the issuing bank's own charge

$0

Monthly fee

$29 of spend a month keeps a card active; three idle months retire it, warned first, balance returned first

$0

FX markup

conversions settle at the network's own rate; its regular ~1% cross-border fee passes through at cost, we add nothing

0%