Crypto.com
Crypto.com Midnight prepaid — Canada
Card can hold CAD only; crypto is converted to market fiat before loading. App services are supplied separately by Foris DAX CAN ULC; current quote/spread is unknown.
Last updated: 2026-10-19 · Within the 14-day review window · For education and research. Not investment, legal, or tax advice.
Program lifecycle: ACTIVE · New applications: OPEN
- The captured official application/programme documents describe a current application route; no application was attempted.
- OPEN describes a documented programme application route, not a guarantee that a person will be accepted.
Field review queue (14-day captured-evidence window)
- availability: 2026-10-19 · CURRENT · cdc-card-application
- residence: 2026-10-19 · CURRENT · cdc-ca-app-terms, cdc-ca-midnight-agreement
- costRules: 2026-10-19 · CURRENT · cdc-ca-midnight-agreement, cdc-ca-fees, cdc-card-application
- fees.monthly: 2026-10-19 · CURRENT · cdc-card-application
- fees.issuance: Unknown · UNKNOWN ·
- fees.funding: Unknown · UNKNOWN ·
- fees.conversion: Unknown · UNKNOWN ·
- fees.spread: Unknown · UNKNOWN ·
- fees.fx: 2026-10-19 · CURRENT · cdc-ca-fees
- fees.atm: Unknown · UNKNOWN ·
- fees.withdrawal: Unknown · UNKNOWN ·
- rewards: Unknown · UNKNOWN ·
Check captured residence conditions
This checks supplied residence facts only. Nationality, tax residence, issuance, shipping, account checks and individual acceptance are separate. Inputs stay in this page.
Calculate documented program fees
V2 teaching scenario. Enter converted card-currency principals before fees; no live FX or authorization. Missing event facts stay unknown. Inputs remain on this page.
Legacy aggregate limitations
These conservative v1 omissions remain for old callers. The explicit v2 scenario below can evaluate represented conditions; unknown prices and restrictions remain separate.
- Documented physical/replacement and applicable account/funding events are outside this monthly scenario · Sources: cdc-ca-fees
- Unconditional current purchase-program percentage was not captured · Sources: cdc-ca-fees
- Known non-CAD 2% additional charge and network quote are outside this subtotal · Sources: cdc-ca-fees
- Current crypto-to-CAD quote/spread is unknown · Sources: cdc-ca-topup
- Domestic issuer ATM 0 is documented, but domestic/foreign scope and operator charge are not resolved by this model · Sources: cdc-ca-midnight-agreement, cdc-ca-fees
Captured terms, claims and unresolved facts
Source text is retained in its recorded language. Official documents are not a direct product test. Conditional charges below are not automatically recurring monthly charges.
Documented term · monthly-card-fee
Card itself has no monthly fee; separate paid subscription/service tiers are not included.
Card fee wording / Midnight Schedule B or maintenance fee row · Terms checked: 2026-10-19
- LevelUp or other account/subscription services can have separate charges.
Sources: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
Documented term · programme-rights
Digital Commerce Bank issues the CAD prepaid card; not credit; optional CAD auto-load; balance is not an individual bank deposit, earns no interest and is not CDIC-insured.
Agreement sections 1–2 and 4.1–4.5; current programme disclaimers · Terms checked: 2026-10-19
- Foris Inc offered-by role is not automatically programme manager.
Sources: Cardholder Agreement for a Prepaid Card — Foris (Midnight Blue) (cdc-ca-midnight-agreement) Crypto.com Visa Card: Earn Up to 5% back on your daily spending (cdc-ca-program)
Documented term · required-app-eligibility
Necessary App terms require Canada residence, age 18+, KYC/legitimate personal use and no prohibited restricted residence/tax-jurisdiction connection.
Section 5.3, PDF page 35 (zero-based 34) · Terms checked: 2026-10-19
- Necessary App conditions do not guarantee card approval.
- Tax restriction is a textual condition, not executable in residenceMatch.
Sources: Crypto.com App and Web Terms and Conditions — Foris DAX CAN ULC (cdc-ca-app-terms)
Documented term · funding-path
CAD/crypto funding process converts supported crypto before card use; current quote/spread not captured.
Funding process and programme CAD-only disclaimers · Terms checked: 2026-10-19
Sources: How do I fund my Crypto.com Visa Card (Canada)? (cdc-ca-topup) Crypto.com Visa Card: Earn Up to 5% back on your daily spending (cdc-ca-program)
Documented term · domestic-atm
Domestic issuer ATM fee: {"domesticIssuerPercent": 0, "atmDailyLimit": 700, "atmMonthlyLimit": 7000}
Fee Information Box and Canada ATM limits · Terms checked: 2026-10-19
- Legacy v1 aggregate limitation: Current monthly ATM rule has no domestic-versus-foreign scope; 0 must not become a global ATM fee.
- Only captured issuer domestic ATM component; operator and foreign-currency charges separate.
Sources: Cardholder Agreement for a Prepaid Card — Foris (Midnight Blue) (cdc-ca-midnight-agreement) Crypto.com Prepaid Visa Card Fees and Limits (Canada) (cdc-ca-fees)
Documented term · foreign-transaction-fee
Non-CAD purchase and ATM charge: {"percent": 2}
Canada Midnight non-CAD row · Terms checked: 2026-10-19
- fees.fx preserves known rate; productCost does not consume scalar FX fees.
- Non-CAD purchases and withdrawals, not all CAD spending.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (Canada) (cdc-ca-fees)
Documented term · physical-card-costs
First physical / replacement card charges: {"firstPhysical": 4.99, "replacement": 10}
Canada Midnight physical/replacement rows · Terms checked: 2026-10-19
- Legacy v1 aggregate limitation: No physical issuance/replacement event selector.
- Specific card events only.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (Canada) (cdc-ca-fees)
Documented term · tax-residence-predicate
Required App tax/residence-jurisdiction restriction: {"requirement": "No prohibited connection to restricted residence/tax-residence jurisdictions"}
Section 5.3 PDF page 35 · Terms checked: 2026-10-19
- The current checker has country/age/nationality but no tax-residence predicate.
- Canada App eligibility; absence of a coded rejection is not confirmation of full eligibility.
Sources: Crypto.com App and Web Terms and Conditions — Foris DAX CAN ULC (cdc-ca-app-terms)
Documented term · availability-provenance
Current captured programme/application documents support the stated service/application state; individual approval and live application operation were not tested.
Prepaid application, residential address, virtual/physical sequence and card-versus-subscription fee wording · Terms checked: 2026-10-19
- ACTIVE is programme status, OPEN is a documented route, neither is a guaranteed personal approval.
Sources: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
Unresolved fact · unknown-pricing-and-rewards
Current executable crypto quote/spread, individual rewards/points realization, staking/lockup applicability and complete account cost remain unverified.
Limits of captured programme documents · Terms checked: 2026-10-19
- Null is unknown or not represented in this model, not a documented zero.
Sources: Cardholder Agreement for a Prepaid Card — Foris (Midnight Blue) (cdc-ca-midnight-agreement)
Documented term · annual-card-fee-scope
Application help distinguishes the prepaid card itself having no monthly/annual fee from separately charged LevelUp subscriptions; no subscription fee is assumed zero.
Prepaid card versus LevelUp subscription fee explanation · Terms checked: 2026-10-19
- No annual amount field in cardSchema; this does not price a subscription.
Sources: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
Documented term · operating-limits
Captured operating ceilings: {"atmDaily": 700, "atmMonthly": 7000, "loadDaily": 15000, "loadMonthly": 35000, "maximumBalance": 35000}. These are not authorization guarantees.
Canada Midnight ATM, load and maximum-balance rows · Terms checked: 2026-10-19
- Current amount/authorization and history were not tested.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (Canada) (cdc-ca-fees)
Documented term · application-formats
The common prepaid-card application help describes virtual and physical card formats and the virtual-then-physical process.
Prepaid card application steps: virtual card followed by optional physical card; distinct from US credit-card application · Terms checked: 2026-10-19
- Current individual application and delivery not tested.
Sources: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
Documented term · domestic-pos-and-replacement-waiver
Canada domestic POS issuer fee is 0; replacement CAD 10 is waived for a defect affecting transactions that is not the cardholder’s responsibility. Unknown replacement cause does not establish CAD 10.
Fee Information Box — Canada domestic POS; replacement card fee and defective-card exception · Terms checked: 2026-10-19
- Captured official terms, not directly tested or human approved.
- Only the named conditional fee/component is executable; unknowns remain separate.
Sources: Cardholder Agreement for a Prepaid Card — Foris (Midnight Blue) (cdc-ca-midnight-agreement) Crypto.com Prepaid Visa Card Fees and Limits (Canada) (cdc-ca-fees)
Product structure
- Provider
- Crypto.com
- Issuer
- Digital Commerce Bank
- Program manager
- Not verified
- Card type / network
- PREPAID / VISA
- Virtual / physical
- Yes / Yes
- Funding assets
- CAD
- Funding methods
- CAD loading; supported crypto converted to CAD first; optional authorized CAD auto-loading described in agreement
- Custody model
- CUSTODIAL
- KYC requirement
- REQUIRED
- Conversion mechanism
- Card can hold CAD only; crypto is converted to market fiat before loading. App services are supplied separately by Foris DAX CAN ULC; current quote/spread is unknown.
- Withdrawal conditions
- Agreement Fee Information Box lists issuer domestic ATM fee 0; non-CAD purchase/ATM charge 2% is separate. Captured ATM limits CAD 700/day and CAD 7,000/month. No USD/EUR-style monthly free allowance is assumed.
- Staking requirements
- Not verified
- Lock-up requirements
- Not verified
Eligibility
CA
A documented residence-rule match is not individual account/card approval; identity verification and the current application process remain separate. · Nationality and tax-residency requirements are not inferred from shipping, language or network acceptance. · Required App terms section 5.3 requires Canada residence and age 18+, identity checks, legitimate personal use, and no prohibited links to restricted residence/tax-residence jurisdictions. The full tax predicate is not represented by this country/age checker. · Required App: Canada resident age 18+ and KYC, subject also to restricted residence/tax jurisdiction conditions; no individual approval tested.
Eligibility checked: 2026-10-19
Foris DAX CAN ULC Digital Commerce Bank
Fees and conditions
- monthly: 0 CAD · 2026-10-19 · Crypto.com
- issuance: Not verified
- funding: Not verified
- conversion: Not verified
- spread: Not verified
- fx: 2% · 2026-10-19 · Crypto.com
- atm: Not verified
- withdrawal: Not verified
Rewards and conditions
Not verified
Risk disclosure
- Official-document verification only; no account, transaction, ATM withdrawal, conversion, reward or complaint tested.
- Crypto sale quotes/spreads and individual onboarding outcomes remain unknown; no personal tax or legal conclusion is made.
- Agreement section 4.5 says the balance is not an individual DCBank deposit, bears no interest and is not CDIC-insured. No independent safeguarding or insolvency-recovery outcome is established.
- Required App: Canada resident age 18+ and KYC, subject also to restricted residence/tax jurisdiction conditions; no individual approval tested.
- Foris Inc is described as offering the card; this wording is not promoted to a contract-defined programme-manager role.
- First physical CAD 4.99; replacement CAD 10; non-CAD purchases/ATM 2%; load limits CAD 15,000/day and CAD 35,000/month; max balance CAD 35,000.
- Quebec cancellation notice differs under section 10; no Quebec ban is inferred. Spending Power and third-party credit/loyalty services are not this prepaid card.