Head to head
MiniPay vs Ethena Pay
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Mi MiniPay | Et Ethena Pay |
|---|---|---|
| Overall rank | #23 of 35 | #1 of 35 |
| FX spread | 0% | 1% |
| Base cashback | 5% cashback | 4% |
| Custody | Non-Custodial | Non-Custodial (no option to see keys until deleting account |
| Virtual card | Free (Gated) | Yes, Free |
| Physical card | No | No |
| Spend limit | Region dependent | |
| ATM withdrawals | Unavailable | |
| Setup time | ~8 minutes | 10 minutes |
| KYC steps | 3 | 5 |
| Score | 7.8/10 | 8.5/10 |
MiniPay
Built by Opera and powered by Gnosis Pay on the Celo network, MiniPay is one of the most accessible self-custodial virtual Visa cards available. There are no monthly fees, cashback runs up to 5% paid in Tether Gold, and the FX fee is a true zero. The catch is the deposit fee, the lack of a physical card, and the invite gate on sign-up.
Ethena Pay
Crypto Card Review: Ethena Pay I've been testing Ethena Pay for the last couple of days, and it feels (almost) premium. It's in Beta and nearly ready for public launch; here are my first thoughts. Positives: - Non-USD FX Fee: 1% (cashback negates and beats this) - 4% Cashback on all purchases is sweet (up to 5% w/Pro) - UI is possibly the best among all cards I've tested - Personal US/EUR/GBP IBAN accounts - Insights page showing spending by categories and earning breakdowns - 5% APY - Instant deposits with limited Fees Negatives: - Apple Only (for now) - Multiple "Coming Soon" features - Non-custodial, but no way to see your keys without deleting your account. Rating: 7.5/10 As soon as it's on Android and includes a few of its promised upcoming features, this will be a 9/10.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+