Pricing
Simple, and honest.
The card industry makes its money when you lose track: penalty fees, minimum payments, a rate you never quite see. We make ours one way, on the interest you agreed to, at a number shown before you borrow a cent. Illustrative at launch.
What it costs
No annual fee
The card is free to hold. We make money on the credit, not on tricks.
~6% to 16% APR, shown upfront
Rate by grade (around 10% typical), always lower than unsecured credit, and you see the exact number before you borrow.
Up to 50% LTV, 60% at the top grade
Conservative by default, with no surprise liquidations on the premium tier.
No credit check
Your bitcoin is the qualification. No FICO, no passport test, no rejection.
Transparent all-in cost
One clear number for trade plus FX. No hidden spread, the Wise way.
Pause or repay anytime
It revolves like a card. Your bitcoin and its upside stay yours.
How it works
1
Deposit bitcoin
Locked in a wallet only you control.
2
Get your line
An instant USDT credit line against it.
3
Spend anywhere
Tap the Visa card, anywhere it is accepted.
4
Repay, revolve
Pay back on your schedule. Your stack stays.
Get the Iron card
Join the early-access list. Keep your bitcoin, spend dollars.