Spend your crypto anywhere in the real world.
MonoCard connects your blockchain wallet to a debit card accepted worldwide. Convert LYTH and other digital assets to fiat at the point of sale, with no manual steps required.
Linked directly to your Monolythium wallet. Pay with crypto wherever Visa or Mastercard is accepted.
Virtual & physical cards available
Spend your crypto. Everywhere.
MonoCard bridges the gap between your digital assets and the real world. Use your crypto at any merchant that accepts major debit cards -- online, in-store, or at ATMs worldwide.
Instant Conversion
Real-time crypto-to-fiat conversion at the point of sale. No manual exchanges needed.
180+ Countries
Accepted globally wherever major debit cards are supported. Travel without borders.
Bank-Grade Security
Multi-layer encryption, 2FA, fraud detection, and instant freeze/unfreeze controls.
Up to 8% Cashback
Earn cashback on every purchase. Higher LYTH staking tiers unlock greater rewards.
Everything you need in a crypto card
MonoCard is packed with features designed to make spending your digital assets as seamless as using a traditional debit card.
Virtual & Physical Cards
Get a virtual card instantly upon signup. Order a physical card with contactless NFC payments and chip-and-PIN security.
Instant Crypto-to-Fiat
Your crypto is converted to local fiat currency at the moment of purchase. No delays, no extra steps, no manual swaps.
No Hidden Fees
Transparent, low-cost pricing. No surprise charges, no monthly maintenance fees on the base tier, and competitive FX rates.
Multi-Currency Support
Spend Bitcoin, Ethereum, USDT, USDC, and other major cryptocurrencies. Seamlessly manage both crypto and fiat balances in one account.
Cashback Rewards
Earn up to 8% cashback on every purchase based on your LYTH staking tier. Plus subscription rebates for popular services like streaming platforms and ride-sharing.
Choose your MonoCard tier
Stake LYTH tokens to unlock higher-tier cards with better cashback rates and exclusive perks. No staking required for the base tier.
Base
No staking required
cashback on all purchases
- Virtual card included
- Spotify rebate (up to $12.99/mo)
- ATM withdrawals
- NFC contactless payments
Silver
Stake 5,000 LYTH
cashback on all purchases
- Everything in Base
- Netflix rebate
- Amazon Prime rebate
- Priority customer support
Gold
Stake 50,000 LYTH
cashback on all purchases
- Everything in Silver
- Apple Music rebate
- No foreign transaction fees
- 10% off Uber & travel bookings
Obsidian
Stake 500,000 LYTH
cashback on all purchases
- Everything in Gold
- Starbucks & Airbnb rebates
- Staking rewards on locked LYTH
- Ecosystem governance voting
From download to spending in minutes
Getting started with MonoCard is simple. Download the app, complete a quick verification, and start spending your crypto anywhere in the world.
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1
Download & Sign Up
Download the MonoCard app on iOS or Android and create your account in seconds.
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2
Verify Your Identity
Complete a quick KYC verification. It takes just a few minutes with a valid government ID.
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3
Get Your Card
Receive your virtual card instantly. Order a physical card shipped to your door in supported regions.
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4
Load & Spend
Send crypto from any wallet (MetaMask, Ledger, etc.) and spend anywhere debit cards are accepted.
Supported cryptocurrencies & fiat
Load your MonoCard with your favorite digital assets. We handle the conversion, you enjoy the spending.
Bitcoin
BTC
Ethereum
ETH
Tether
USDT
USD Coin
USDC
Monolythium
LYTH
BNB
BNB
Solana
SOL
Avalanche
AVAX
Supported fiat settlement currencies
Your assets, fully protected
MonoCard is built with state-of-the-art security protocols to keep your funds and personal data safe at all times.
Chip & PIN
EMV chip technology with PIN verification for all in-store transactions. Compliant with global payment security standards.
3D Secure
Extra layer of authentication for online purchases. Verify every transaction with biometric or one-time passcode confirmation.
Real-Time Alerts
Instant push notifications for every transaction. Know immediately when your card is used and flag suspicious activity.
Freeze / Unfreeze
Lost your card? Freeze it instantly from the app. Found it again? Unfreeze with one tap. Full control, always in your hands.
Spending Limits
Set daily, weekly, or monthly spending limits. Control ATM withdrawal caps and online purchase thresholds from the app.
2FA Protection
Two-factor authentication on login and sensitive actions. Support for authenticator apps and biometric verification.
Transparent pricing. No surprises.
We believe in honest, upfront pricing. Here is exactly what you pay -- nothing more.
| Fee Type | Amount |
|---|---|
| Card issuance (virtual) | Free |
| Card issuance (physical) | $9.99 |
| Monthly maintenance (Base tier) | Free |
| Crypto-to-fiat conversion | 1.5% |
| ATM withdrawal (domestic) | $2.50 |
| ATM withdrawal (international) | $3.50 |
| Foreign exchange fee | 0% (Gold & Obsidian) / 1% (Base & Silver) |
| Card replacement | $14.99 |
* Fees may vary by region. Gold and Obsidian tier members enjoy reduced or waived fees on select services.
Manage your MonoCard from anywhere.
Frequently asked questions
Got questions about MonoCard? Find quick answers to the most common queries below.
MonoCard is a crypto-native debit card that lets you spend your cryptocurrency anywhere major debit cards are accepted. When you make a purchase, your crypto (BTC, ETH, USDT, USDC, LYTH, and more) is automatically converted to the local fiat currency at the point of sale. You get a virtual card instantly upon signup, and can order a physical card with contactless NFC and chip-and-PIN support.
Every MonoCard purchase earns you cashback, starting at 1% on the Base tier (no staking required). By staking LYTH tokens, you can unlock higher tiers: Silver (2% cashback with 5,000 LYTH), Gold (4% cashback with 50,000 LYTH), or Obsidian (8% cashback with 500,000 LYTH). Higher tiers also include subscription rebates for services like Spotify, Netflix, Amazon Prime, and more.
MonoCard is available in over 180 countries worldwide, including the United States, European Union member states, the United Kingdom, Turkey, Japan, Australia, Canada, and many more. Virtual cards are available globally upon registration. Physical card shipping availability may vary by region -- check the app for the latest supported countries.
Absolutely. MonoCard employs multi-layer encryption, two-factor authentication (2FA), EMV chip technology, and 3D Secure for online transactions. You can freeze and unfreeze your card instantly from the app, set custom spending limits, and receive real-time transaction alerts. Our fraud detection systems monitor for suspicious activity around the clock.
MonoCard supports a growing list of cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Tether (USDT), USD Coin (USDC), Monolythium (LYTH), BNB, Solana (SOL), and Avalanche (AVAX). Your crypto is automatically converted to fiat at the point of sale. We continue to add support for additional assets based on community demand.
Yes, you can withdraw cash from any compatible ATM worldwide using your physical MonoCard. Domestic ATM withdrawals cost $2.50 and international withdrawals cost $3.50. Your cashback percentage also applies to ATM withdrawals. Gold and Obsidian tier members enjoy no foreign exchange fees on international ATM withdrawals.
Ready to spend your crypto anywhere?
Join thousands of users already spending crypto with MonoCard. Sign up in minutes and get your virtual card instantly.