Crypto Cards for AI Agents & Alternatives (2026): 5 Products Compared
The short answer: RizzCard publishes a $100,000 monthly limit, 2.8% + $1 top-ups, a zero deposit fee, a 3 USDT withdrawal fee, Apple Pay / Google Pay, and 3D Secure. BingCard publishes the same $100,000 monthly limit for Premium virtual cards and $50,000 for non-Premium virtual cards, with 2% top-up, deposit, and withdrawal fees. Other providers vary materially by product, tier, or region, so the table avoids treating one product's terms as universal.
Verification rules are product-specific. For example, SolCard distinguishes its Virtual and Platinum products, and Platinum requires KYC while supporting Apple Pay and Google Pay. Always confirm the exact product available in your region before choosing.
Full comparison table (sources checked 2026-08-24)
| Feature | RizzCard | BingCard | SolCard | Laso.finance | E.pn |
|---|---|---|---|---|---|
| Monthly Limit / Maximum Load | $100,000 | $50K non-Premium / $100K Premium | Varies by product/tier | $1,000 maximum load | Varies by product/region |
| Maintenance Fee | $0 | Varies by tier | Varies by product/tier | Not publicly fixed | Varies by product/region |
| Top-Up Fee | 2.8% + $1 | 2% | Varies by product/tier | Non-reloadable | Varies by product/region |
| Minimum Top-Up | $10 | Varies by tier | Varies by product/tier | Varies | Varies by product/region |
| Deposit Fee | 0% | 2% | Varies by product/tier | 0% U.S.; intl varies | Varies by product/region |
| Withdrawal / Refund Fee | 3 USDT | 2% | Varies by product/tier | 14% refund ($10 min) | Varies by product/region |
| Decline Transaction Fee | 0% | 3% | Varies by product/tier | Not publicly fixed | Varies by product/region |
| Transaction Fee | 0% | Varies by tier | Varies by product/tier | Not publicly fixed | 4%-8% spend tier |
| Cross-Border Fee | 0% | 1.5% | Varies by product/tier | International terms vary | Varies by product/region |
| Exchange Fee (Non-USD) | 2% | 2% | Varies by product/tier | International terms vary | Varies by product/region |
| Base Currency | USD | Varies by product | Varies by product | USD product | Varies by product/region |
| Onboarding / Compliance | No human identity flow for AI agents | Varies by product/tier | Virtual: varies / Platinum: required | Compliance rules apply | Varies by product/region |
| Card Creation Fee | 10 USDT | Varies by tier | Varies by product/tier | Varies | Varies by product/region |
| Total Fees | See creation, top-up, FX, and withdrawal/refund fees | Varies by usage | Varies by product/tier | Varies by use | 4%-8% spend fee |
| Cards Issuing Limit | Multiple cards; current program controls apply | Varies by tier | Varies by product/tier | Non-reloadable prepaid | Varies by product/region |
| Apple/Google Pay | Yes | Varies by product | Platinum only | Not confirmed | Varies by product/region |
| 3D Secure | Yes | Varies by product | Varies by product | Not confirmed | Yes |
RizzCard adds a $1 fixed fee to every top-up on top of the 2.8%. Competitor terms vary by product, tier, and region; entries marked as variable should be confirmed on the provider's current product page.
Category winners
Published high-limit options: RizzCard and BingCard Premium
RizzCard publishes a $100,000 monthly limit. BingCard also publishes $100,000 for its Premium virtual product, while its non-Premium virtual product lists $50,000. SolCard and E.pn terms vary by product or region. Laso.finance instead publishes a $1,000 maximum load for its current non-reloadable prepaid product.
Published BingCard transfer fees
BingCard publishes a 2% top-up fee, compared with RizzCard's 2.8% + $1. BingCard also publishes 2% deposit and withdrawal fees, a 3% decline fee, 1.5% cross-border fee, and 2% exchange fee. Which costs less depends on how money moves through the account.
RizzCard's published movement fees
RizzCard publishes a zero deposit fee, a 3 USDT withdrawal fee, and zero fees for declined transactions and cross-border use. Its top-up remains 2.8% + $1 and non-USD exchange is 2%, so visitors should compare the complete path their funds will take.
Product differences matter for SolCard and Laso.finance
SolCard's Virtual and Platinum products should not be combined into one row: Platinum requires KYC and supports Apple Pay and Google Pay, while other terms vary by product and tier. Laso.finance is currently a non-reloadable prepaid product with a $1,000 maximum load, not a reloadable monthly-limit product.
E.pn pricing and verification
E.pn publicly shows spend-tier fees ranging from 8% to 4% and explicitly advertises 3DS verification codes. Other product facts can vary by product and region, so the comparison does not carry forward a single universal limit, top-up fee, or card-count claim.
Wallet and 3DS support is product-specific
RizzCard supports Apple Pay, Google Pay, and 3D Secure. SolCard Platinum supports Apple Pay and Google Pay and requires KYC. E.pn advertises 3DS verification codes. For BingCard, Laso.finance, and other SolCard or E.pn variants, confirm the exact product terms.
Which card should you pick?
- Want published $100,000 monthly capacity with Apple Pay / Google Pay and 3D Secure: consider RizzCard.
- Want BingCard's 2% published top-up fee: compare its 2% deposit and withdrawal fees and choose between the $50,000 non-Premium or $100,000 Premium virtual tier.
- Considering SolCard: compare Virtual and Platinum separately because KYC and wallet support differ.
- Considering Laso.finance or E.pn: account for Laso's non-reloadable model and E.pn's 4% to 8% spend tiers before deciding.
How RizzCard works
- Sign up on Telegram (no email or phone) at https://t.me/rizz_card_bot.
- Deposit BTC, ETH, USDT, USDC and more across 10 chains.
- Your card is issued in under 2 minutes. Add it to Apple Pay/Google Pay or use it online.
Frequently asked questions
How does compliance apply to AI-agent card workflows?
Crypto funding is screened for sanctions exposure and links to illicit activity, and access from blocked jurisdictions is not permitted. Program rules and supported-use restrictions apply. See the full Terms, Conditions & Compliance.
Which products publish a $100,000 monthly limit?
RizzCard publishes a $100,000 monthly limit. BingCard publishes $100,000 for Premium virtual cards and $50,000 for non-Premium virtual cards. Other provider terms vary by product, tier, or region. Sources checked 2026-08-24.
Which card has the lowest fees?
There is no universal answer because usage patterns differ. BingCard publishes a 2% top-up fee, while RizzCard publishes a zero deposit fee, a 3 USDT withdrawal fee, and zero decline and cross-border fees. Compare the full transaction path and applicable product tier.
Can I use these cards with Apple Pay or Google Pay?
RizzCard supports both. SolCard Platinum also supports Apple Pay and Google Pay and requires KYC. Support for other products can vary, so confirm the exact product and region.
Do any of these cards work for AI agents?
RizzCard is built for AI-agent use, with fast crypto-funded card creation through Telegram and no human identity flow for the agent. Funding, use, and location remain subject to screening, program rules, and geographic restrictions.
Competitor data checked 2026-08-24 against published product, pricing, fees, and compliance pages. Terms vary by product, tier, and region. Sources: BingCard pricing, SolCard overview, SolCard products, Laso fees, Laso compliance, E.pn, and E.pn benefits. Spotted an outdated term? Contact us on Telegram.
Related: RizzCard vs BingCard | RizzCard vs SolCard | RizzCard vs Laso.finance | RizzCard vs E.pn