Head to head
Oobit vs Ethena Pay
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Oo Oobit | Et Ethena Pay |
|---|---|---|
| Overall rank | #18 of 35 | #1 of 35 |
| FX spread | 1% | 1% |
| Base cashback | 1% (up to 10% on tiers) | 4% |
| Custody | Non-Custodial | Non-Custodial (no option to see keys until deleting account |
| Virtual card | Free | Yes, Free |
| Physical card | Not available, Apple Pay and Google Pay only | No |
| Spend limit | $5,000 daily / $150,000 monthly | |
| ATM withdrawals | Through NFC-enabled ATMs only | |
| Setup time | ~7 minutes | 10 minutes |
| KYC steps | 5 | 5 |
| Score | 8.2/10 | 8.5/10 |
Oobit
Oobit's underlying technology is arguably the best on the market for true Web3 self-custody: bring your own seed, connect through WalletConnect or MetaMask, and spend straight from your wallet. On a large purchase the 1% fee is fair; on a small one the $0.25 minimum turns into a double-digit effective markup.
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+