Crypto.com
Crypto.com Midnight prepaid — United States
The CFSB prepaid card stores USD, not crypto; supported crypto is sold/converted before loading. Current sale 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: CONDITIONAL
- Current programme and prepaid application documents exist, but complete positive card residence/age eligibility was not established.
- App availability is not a substitute for complete card eligibility or individual approval.
Field review queue (14-day captured-evidence window)
- availability: 2026-10-19 · CURRENT · cdc-card-application
- residence: 2026-10-19 · CURRENT · cdc-us-card-agreement, cdc-card-application, cdc-app-markets, cdc-us-current-app
- costRules: 2026-10-19 · CURRENT · cdc-us-card-agreement, cdc-us-fees
- fees.monthly: 2026-10-19 · CURRENT · cdc-us-card-agreement
- fees.issuance: Unknown · UNKNOWN ·
- fees.funding: Unknown · UNKNOWN ·
- fees.conversion: Unknown · UNKNOWN ·
- fees.spread: Unknown · UNKNOWN ·
- fees.fx: 2026-10-19 · CURRENT · cdc-us-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.
- Conditional documented load fees: debit 1%, credit 2.99%, PayPal 2.1%; route not supplied · Sources: cdc-us-fees
- Conditional physical/replacement/inactivity charges are documented but scenario event/state is not supplied · Sources: cdc-us-fees
- Documented non-USD 3% additional charge and current network quote are outside this subtotal · Sources: cdc-us-fees
- Current crypto sale quote/spread is unknown · Sources: cdc-us-card-agreement
- ATM operator fee is not known · Sources: cdc-us-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: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
Documented term · programme-structure
CFSB issues the USD prepaid Visa; Foris Inc is programme partner/manager; virtual and physical formats; card is not credit and earns no interest.
Sections 1–2 · Terms checked: 2026-10-19
Valid from: 2026-09-01 · Valid until: Unknown
- Crypto is not stored in the card USD balance.
Sources: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
Documented term · partial-residence
US address/identifier and KYC requirements plus App NY/card-territory restrictions do not establish a complete current positive card residence/age list.
Agreement section 1; App-market United States/territory text; current US FAQ; prepaid application · Terms checked: 2026-10-19
- App-only coverage is not card eligibility.
- Do not infer Hawaii exclusion from Coinbase; card minimum age not located.
Sources: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement) How to Apply for a Crypto.com Prepaid Card (cdc-card-application) Which are the Available Markets? (cdc-app-markets) Buy Crypto in the US on a Trusted Platform (cdc-us-current-app)
Documented term · known-atm-and-purchase
Midnight purchase fee 0; monthly ATM first USD 200 then 2% excess; operator costs separate; ATM USD 500/day and USD 5,000/month.
Schedule B Midnight PDF page 29; US Midnight ATM rows · Terms checked: 2026-10-19
Sources: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement) Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
Documented term · conditional-usd-insurance
Agreement describes conditional USD FDIC treatment with identity and aggregation conditions; crypto is not FDIC-insured.
Section 5(a) · Terms checked: 2026-10-19
Valid from: 2026-09-01 · Valid until: Unknown
- No individual insured balance, platform failure protection or realized recovery verified.
Sources: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
Documented term · physical-card-costs
First physical / replacement card charges: {"firstPhysical": 4.99, "replacement": 7}
US Midnight physical/reissue rows · Terms checked: 2026-10-19
- Scalar issuance cannot distinguish virtual versus first physical versus replacement.
- Only when the corresponding physical-card event occurs.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
Documented term · funding-channel-fees
Funding channel fees: {"debitPercent": 1, "creditPercent": 2.99, "paypalPercent": 2.1}
US funding rows · Terms checked: 2026-10-19
- Legacy v1 aggregate limitation: Scenario has no funding-channel input; fees.funding stays null.
- Each amount applies only to the named funding route.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
Documented term · inactivity-fee
Monthly inactivity charge after twelve months without activity: {"monthsInactive": 12, "monthlyAmount": 5.95}
US inactivity row and September 1 effective note · Terms checked: 2026-10-19
Valid from: 2026-09-01 · Valid until: Unknown
- Legacy v1 aggregate limitation: No inactivity duration/state input; not the ordinary monthly card fee.
- Only after the stated inactivity period.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
Documented term · foreign-transaction-fee
Additional non-USD purchase and ATM charge: {"percent": 3}
Help non-USD row; agreement Schedule A PDF/printed pages 23 and 25 (zero-based 22/24); section 19 PDF/printed pages 9–10 (zero-based 8/9) · Terms checked: 2026-10-19
- The help row describes non-USD purchases and withdrawals. Schedule A describes foreign purchases, foreign online purchases and foreign ATM withdrawals more broadly.
- Agreement section 19 starts with currency/country distinctions on page 9, but the foreign-merchant purchase wording on page 10 specifies a currency other than USD. The complete same-currency crossborder scope is unresolved.
- Same-currency non-domestic transactions therefore remain APPLICABILITY_UNKNOWN; neither 3% nor zero is inferred for that unresolved scope.
- The 3% additional issuer charge and any unknown network conversion quote are separate; the network quote is not a second assumed 3% fee.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees) CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
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: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-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": 500, "atmMonthly": 5000}. These are not authorization guarantees.
US Midnight ATM limit rows · Terms checked: 2026-10-19
- Current amount/authorization and history were not tested.
Sources: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
Documented term · card-closure-charge
Card closure itself has no charge under the US Midnight Blue Schedule A; this does not establish zero funding, conversion, shipping or other exit costs.
Schedule A, Other / Close card row, Midnight Blue column and Details, PDF/printed page 26 (zero-based 25) · Terms checked: 2026-10-19
Valid from: 2026-09-01 · Valid until: Unknown
- Only the named card/account closure charge is documented as zero. Other event charges and unresolved costs remain separate.
- Official document verification only; no account closure was performed.
Sources: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
Product structure
- Provider
- Crypto.com
- Issuer
- Community Federal Savings Bank
- Program manager
- Foris Inc
- Card type / network
- PREPAID / VISA
- Virtual / physical
- Yes / Yes
- Funding assets
- USD
- Funding methods
- Convert supported crypto to USD before loading; channel-specific fiat loads subject to captured fees
- Custody model
- CUSTODIAL
- KYC requirement
- REQUIRED
- Conversion mechanism
- The CFSB prepaid card stores USD, not crypto; supported crypto is sold/converted before loading. Current sale quote/spread is unknown.
- Withdrawal conditions
- Midnight monthly ATM allowance USD 200, then 2% on excess; ATM operator charges can apply. Captured ATM limits: USD 500 daily, USD 5,000 monthly.
- Staking requirements
- Not verified
- Lock-up requirements
- Not verified
Eligibility
Unknown — do not assume eligibility.
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. · US agreement requests true US mailing/residential address and SSN or country identifier; it does not establish the complete current card residence, minimum-age, nationality or tax-residence rule. · The App excludes New York and the card is not available in the referenced US territories. These are not a complete positive card eligibility list. · US Midnight prepaid programme only; not the US Visa Signature credit card or a paid LevelUp subscription.
Eligibility checked: 2026-10-19
Community Federal Savings Bank / Foris Inc Crypto.com Crypto.com Crypto.com
Fees and conditions
- monthly: 0 USD · 2026-10-19 · Community Federal Savings Bank / Foris Inc
- issuance: Not verified
- funding: Not verified
- conversion: Not verified
- spread: Not verified
- fx: 3% · 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 5(a) makes USD FDIC coverage conditional on identity and applicable same-bank/ownership-category aggregation limits. Crypto is not FDIC-insured; no general platform-failure coverage is inferred.
- US Midnight prepaid programme only; not the US Visa Signature credit card or a paid LevelUp subscription.
- First physical card USD 4.99; replacement USD 7. Debit load 1%, credit load 2.99%, PayPal load 2.1%; these conditional charges are not one universal funding percentage.
- Non-USD purchase/ATM charge 3%; USD 5.95 monthly inactivity charge after 12 months, effective 2026-09-01.
- Current crypto spread, reward amount/eligibility and complete positive card residence/age eligibility remain unknown.