Ranked #6 of 27
Ethena Pay 리뷰
I've been testing Ethena Pay for the last couple of days, and it feels (almost) premium. It's in Beta, As soon as it's on Android and includes a few of its promised upcoming features, this will be a 9/10.
We opened the account ourselves, added the card to a phone wallet and ran live transactions to check the charges, FX claims and cashback.
Get the Ethena Pay
Card at a glance
We opened the Ethena Pay account ourselves, loaded it and spent on it, so the figures below reflect what we saw on the card rather than the marketing page.
- FX fee
- 1%
- Base cashback
- 4%
- Highest cashback
- 6% 10% off subs
- Card cost
- 0
Verified by us
- Wallet architecture
- Non-Custodial (no option to see keys until deleting account
- Setup time
- 10 minutes
- Spend limit
- Not published
- ATM withdrawals
- Not published
The verdict
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.
Score: 7.5 out of 10
Strengths
- 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
Weaknesses
- Apple Only (for now)
- Multiple "Coming Soon" features - Non-custodial
- but no way to see your keys without deleting your account.
Compare with other cards
Ethena Pay vs Coca Card
#1 · 0% spread
Ethena Pay vs EtherFi
#2 · 1% spread
Ethena Pay vs XPlace
#3 · 1% spread
| # | Card | FX spread | Card cost | Base cashback | Custody | Setup time | Score |
|---|---|---|---|---|---|---|---|
| 1 | Ethena Pay | 1% | 0 | 4% | Non-Custodial (no option to see keys until deleting account | 10 minutes | 7.5/10 |
| 2 | Coca Card | 0% | Free | 1% in USDC, paid on the 10th | Non-Custodial | ~8 minutes | 9.2/10 |
| 3 | EtherFi | 1% | Free | 3% instant | Non-Custodial | ~8 minutes | 9.2/10 |
| 4 | XPlace | 1% | Free | 1% + 1% | Non-Custodial | ~10 minutes | 8.5/10 |
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Ethena Pay FAQs
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+