Crypto Cards for AI Agents & Alternatives (2026): 5 Products Compared

The short answer: RizzCard publishes a USD 200,000 monthly load limit, variant-specific top-up fees (detailed below), a zero deposit fee, a 3 USDT withdrawal fee, Apple Pay / Google Pay, and 3D Secure. BingCard's current pricing and product pages disagree on fees and limits, the table shows source-specific figures without choosing a definitive value. Other providers vary materially by product, tier, or region.

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 (BingCard rechecked September 8, 2026, other sources August 24, 2026)

Feature	RizzCard	BingCard	SolCard	Laso.finance	E.pn
Monthly Limit / Maximum Load	USD 200,000 monthly load	Premium $100K, non-Premium $50K	$50K	$1,000 maximum load	Up to $100K with premium account
Maintenance Fee	$0	$0	$0	$0	$2 to $4
Top-Up Fee	2.8% + up to 0.2% slippage	2% top-up + 2% deposit fee	5%	3.8% to 4.9%	4% to 6.7%
Minimum Top-Up	$20	$10	$10	$20 to $100	$50
Deposit Fee	$0	1% to 2%	5%	$0	$0
Withdrawal / Refund Fee	3 USDT	2%	$1 to 2%	14% refund with $10 minimum	5% with $100 minimum
Decline Transaction Fee	$0	3%	$0.15 to $0.50	$0	$0.10 to $0.30
Transaction Fee	$0	0% with $0.50 below $50	30%	$0	$0.20 to $0.30
Cross-Border Fee	$0	1% to 1.5%	2%	$0	$0.50 + 1.2%
Exchange Fee (See Card Currency)	2% outside card currency with no RizzCard markup	2%	2%	2%	1.2% to 3%
Base Currency	USD or EUR	USD, HKD	USD	USD, CAD	USD, EUR
Onboarding / Compliance	No human identity verification	No for virtual, yes for physical Platinum	No for virtual Mastercard, yes for Platinum	No for cards and gift cards, yes for PayPal, Venmo, and bank payouts	Possible to start unverified, verification required for full BINs, scale, or when requested
Card Creation Fee	Standard 10 USDT, VIP 100 USDT	Virtual $20 to $25, Star virtual $40, physical $168	$10	$0	$2 to $4
Cards Issuing Limit	Up to 5 active cards at a time	Varies by tier	Varies by product or tier	Non-reloadable prepaid	Varies by product or region
Apple/Google Pay	Yes	Varies by product	Platinum only	Not confirmed	Varies by product or region
3D Secure	Yes	Varies by product	Varies by product	Not confirmed

Standard / Everyday Use USD and VIP USD: 2.8% top-up fee with up to 0.2% slippage, plus $1 per top-up. Standard / Everyday Use EUR: 3.5% plus $1 per top-up. VIP EUR: 3.8% with no fixed top-up fee. Confirm the settlement currency of the $1 fixed fee before funding. These components are not a guaranteed all-in fee cap or a currency-specific total. RizzCard fee wording updated September 8, 2026. BingCard's pricing, Exclusive, Star and FAQ pages were checked September 8, 2026 and disagree. Other competitor observations retain their August 24, 2026 source date. Confirm the selected product's current terms.

Differences and source limitations

Monthly load and transaction limits are different measures

RizzCard's owner-confirmed limit is USD 200,000 monthly load. BingCard's pricing page lists monthly limits of $100,000 for Premium and $50,000 for non-Premium virtual cards. Its Exclusive and Star pages and general FAQ instead describe monthly transaction limits of $100,000 and $200,000, respectively. The labels and figures are not reconciled, these are not established monthly load limits. No like-for-like limit ranking is established. 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's pricing page lists 2% top-up, deposit and withdrawal fees. The Exclusive and Star pages list 1% deposits. Exclusive lists 1% withdrawals, Star's overview lists 0.5%, while its FAQ and the general FAQ list 1%. The product pages do not separately establish a top-up rate. These sources disagree, confirm the selected product's current terms.

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. Standard / Everyday Use USD and VIP USD: 2.8% top-up fee with up to 0.2% slippage, plus $1 per top-up. Standard / Everyday Use EUR: 3.5% plus $1 per top-up. VIP EUR: 3.8% with no fixed top-up fee. For card use in a currency other than the card's currency, the FX fee is 2% with no RizzCard markup. Compare the complete path your 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 USD 200,000 monthly load capacity with Apple Pay / Google Pay and 3D Secure: consider RizzCard.
Considering BingCard: resolve the pricing/product-page disagreements for the exact card and operations before relying on a limit or estimating costs.
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.

What monthly limit does each product publish?

RizzCard's owner-confirmed limit is USD 200,000 monthly load. BingCard's pricing page lists monthly limits of $100,000 for Premium and $50,000 for non-Premium virtual cards. Its Exclusive and Star pages and general FAQ instead describe monthly transaction limits of $100,000 and $200,000, respectively. The labels and figures are not reconciled, these are not established monthly load limits. No like-for-like limit ranking is established. BingCard's pricing, Exclusive, Star and FAQ pages were checked September 8, 2026 and disagree. Other competitor observations retain their August 24, 2026 source date. RizzCard monthly load limit wording updated September 8, 2026.

Which card has the lowest fees?

This comparison does not establish that either card is cheaper. RizzCard's fee components depend on the USD/EUR variant, BingCard's current official sources disagree. Confirm applicable operations, minimum charges and product terms before calculating a total.

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.

BingCard's pricing, Exclusive, Star and FAQ pages were checked September 8, 2026 and disagree. Other competitor observations retain their August 24, 2026 source date. No source effective date or chronological fee change was established. Sources: BingCard pricing , Exclusive , Star , FAQ, SolCard overview, SolCard products, Laso fees, Laso compliance, E.pn, and E.pn benefits. Spotted an outdated term? Contact us on Telegram.

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