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.
最近更新: 2026-10-19 · 在 14 天复核周期内 · 仅供教育与研究，不构成投资、法律或税务建议。
项目生命周期: ACTIVE · 新申请状态: 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.
字段复核队列（证据核对周期 14 天）
- 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: 未知 · UNKNOWN ·
- fees.funding: 未知 · UNKNOWN ·
- fees.conversion: 未知 · UNKNOWN ·
- fees.spread: 未知 · UNKNOWN ·
- fees.fx: 2026-10-19 · CURRENT · cdc-us-fees
- fees.atm: 未知 · UNKNOWN ·
- fees.withdrawal: 未知 · UNKNOWN ·
- rewards: 未知 · UNKNOWN ·
核对已记录的居住条件
仅核对填写的居住事实。国籍、税务居民、发行、配送、账户核验及个人审批分别判断。输入仅保留在本页。
计算已记录的项目费用
v2 教学场景。请填写费用扣取前、以卡币种计价的本金；不获取实时汇率，也不授权交易。未填事件事实保持未知。输入仅保留在本页。
旧版汇总模型限制
这些保守的 v1 缺项为旧调用保留。下方 v2 场景可判定已表示的条件；未知价格和交易限制仍单独列明。
- Conditional documented load fees: debit 1%, credit 2.99%, PayPal 2.1%; route not supplied · 来源: cdc-us-fees
- Conditional physical/replacement/inactivity charges are documented but scenario event/state is not supplied · 来源: cdc-us-fees
- Documented non-USD 3% additional charge and current network quote are outside this subtotal · 来源: cdc-us-fees
- Current crypto sale quote/spread is unknown · 来源: cdc-us-card-agreement
- ATM operator fee is not known · 来源: cdc-us-fees
已记录条款、平台声明与未决事实
来源文字保留记录时的语言。官方文件核验不等于直接实测产品。以下条件费用不自动视为每月固定收费。
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- LevelUp or other account/subscription services can have separate charges.
来源: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
生效起日: 2026-09-01 · 有效截止日: 未知
- Crypto is not stored in the card USD balance.
来源: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- App-only coverage is not card eligibility.
- Do not infer Hawaii exclusion from Coinbase; card minimum age not located.
来源: 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)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
来源: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement) Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
文件记载条款 · conditional-usd-insurance
Agreement describes conditional USD FDIC treatment with identity and aggregation conditions; crypto is not FDIC-insured.
Section 5(a) · 条款核对日期: 2026-10-19
生效起日: 2026-09-01 · 有效截止日: 未知
- No individual insured balance, platform failure protection or realized recovery verified.
来源: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
文件记载条款 · physical-card-costs
First physical / replacement card charges: {"firstPhysical": 4.99, "replacement": 7}
US Midnight physical/reissue rows · 条款核对日期: 2026-10-19
- Scalar issuance cannot distinguish virtual versus first physical versus replacement.
- Only when the corresponding physical-card event occurs.
来源: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
文件记载条款 · funding-channel-fees
Funding channel fees: {"debitPercent": 1, "creditPercent": 2.99, "paypalPercent": 2.1}
US funding rows · 条款核对日期: 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.
来源: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
文件记载条款 · inactivity-fee
Monthly inactivity charge after twelve months without activity: {"monthsInactive": 12, "monthlyAmount": 5.95}
US inactivity row and September 1 effective note · 条款核对日期: 2026-10-19
生效起日: 2026-09-01 · 有效截止日: 未知
- Legacy v1 aggregate limitation: No inactivity duration/state input; not the ordinary monthly card fee.
- Only after the stated inactivity period.
来源: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
文件记载条款 · 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) · 条款核对日期: 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.
来源: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees) CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- ACTIVE is programme status, OPEN is a documented route, neither is a guaranteed personal approval.
来源: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
未决事实 · 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 · 条款核对日期: 2026-10-19
- Null is unknown or not represented in this model, not a documented zero.
来源: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
文件记载条款 · 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 · 条款核对日期: 2026-10-19
- No annual amount field in cardSchema; this does not price a subscription.
来源: How to Apply for a Crypto.com Prepaid Card (cdc-card-application)
文件记载条款 · operating-limits
Captured operating ceilings: {"atmDaily": 500, "atmMonthly": 5000}. These are not authorization guarantees.
US Midnight ATM limit rows · 条款核对日期: 2026-10-19
- Current amount/authorization and history were not tested.
来源: Crypto.com Prepaid Visa Card Fees and Limits (United States) (cdc-us-fees)
文件记载条款 · 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) · 条款核对日期: 2026-10-19
生效起日: 2026-09-01 · 有效截止日: 未知
- 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.
来源: CRYPTO.COM Prepaid Visa Cardholder Agreement (cdc-us-card-agreement)
产品结构
- 提供商
- Crypto.com
- 发行方
- Community Federal Savings Bank
- 项目管理方
- Foris Inc
- 卡类型与卡组织
- PREPAID / VISA
- 虚拟卡与实体卡
- 是 / 是
- 充值资产
- USD
- 充值方式
- Convert supported crypto to USD before loading; channel-specific fiat loads subject to captured fees
- 托管模式
- CUSTODIAL
- KYC 要求
- REQUIRED
- 兑换机制
- The CFSB prepaid card stores USD, not crypto; supported crypto is sold/converted before loading. Current sale quote/spread is unknown.
- 提现条件
- 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.
- 质押要求
- 未核验
- 锁定要求
- 未核验
适用条件
未知，请勿默认符合资格。
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.
资格核验日期: 2026-10-19
Community Federal Savings Bank / Foris Inc Crypto.com Crypto.com Crypto.com
费用与条件
- monthly: 0 USD · 2026-10-19 · Community Federal Savings Bank / Foris Inc
- issuance: 未核验
- funding: 未核验
- conversion: 未核验
- spread: 未核验
- fx: 3% · 2026-10-19 · Crypto.com
- atm: 未核验
- withdrawal: 未核验
奖励与条件
未核验
风险披露
- 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.