Card tiers
Standard, Pro, and Elite for personal users; Business for companies. Designs, limits, and benefits differ — verification before issuance does not.
The range
Entry-level access for personal users getting started with crypto-linked spending.
Verification
Standard identity verification is required before a card is issued. You can apply first and complete verification when requested.
Enhanced limits and benefits for active personal users who want more from their card.
Verification
Standard identity verification is required before a card is issued. Completing it early can support faster review and higher limits.
The premium personal tier, with the highest eligible benefits and enhanced support.
Verification
Enhanced identity verification (KYC) is required and must be completed before an Elite application can be approved.
A business-focused card option for companies, founders, operators, and treasury use cases.
Verification
Business verification (KYB), and identity verification for associated individuals, is required before a business card is issued.
Compare
Verification depth, audience, and indicative limits for each tier.
| Feature | Standard | Pro | Elite | Business |
|---|---|---|---|---|
| Audience | Personal | Personal | Personal | Business |
| Identity verification (KYC/KYB) | Standard KYC required before a card is issued | Standard KYC required before a card is issued | Enhanced KYC required before approval | KYB + KYC of associated individuals required before issuance |
| Limits | Lower limits, subject to review | Enhanced limits, subject to review | Highest personal limits, subject to enhanced checks | Higher operational limits, subject to business review |
| Conversion fees | Designed to be highly competitive | Improved fee structure | Premium fee structure | Business fee structure |
| Compound interest rewards | Not included at this tier | Eligible balances may qualify, subject to terms | Maximum eligible rewards, subject to terms | Eligible balances may qualify, subject to terms |
| Support | Standard support | Priority review | Premium support | Dedicated business support |
KYC, KYB, product access, limits, and card features are subject to jurisdiction, risk review, regulatory requirements, and OneSphere’s approval criteria. Identity verification is required for all cardholders before a card is issued; the depth of verification varies by tier. Rewards and fees are subject to product terms and may vary by jurisdiction.
All figures and features on this page are indicative, do not constitute an offer, and are subject to review, jurisdiction, and approval. Card approval is never guaranteed.
Smart Spend Mode
Smart Spend Mode gives eligible users control over how transactions are routed before money moves.
With OneSphere Smart Spend Mode, customers can configure whether card transactions are funded from available account balance, supported stablecoins, crypto conversion, collateral credit, or a hybrid priority route. This gives users more control over spending decisions and helps prevent every transaction from becoming an automatic crypto sale.
01
Spend directly from available account balance.
Best for users who want simple, predictable spending.
02
Use supported stablecoin balances where available.
Useful for customers who want price-stable liquidity for day-to-day spending.
03
Convert supported crypto assets when needed.
Designed for users who want direct access to digital asset value while maintaining visibility over conversion activity.
04
Draw from approved collateral-backed credit.
Useful for customers who want liquidity without automatically selling selected long-term holdings.
05
Let OneSphere route transactions through a configured priority system.
For example: balance first, stablecoins second, conversion third, collateral credit last.
Customer benefit
Smart Spend Mode gives users control. Instead of a card deciding how value is accessed, the customer can define a preferred funding strategy based on their liquidity needs, collateral position, and long-term asset goals.
Collateral credit is subject to approval, collateral value, LTV limits, account status, verification, jurisdiction, and risk review. Borrowing against crypto carries liquidation risk.
Start a streamlined application now — verification is completed before a card is issued.
