# Cypher
> Cypher is a crypto-to-fiat payment card platform that lets users spend cryptocurrency anywhere cards are accepted. It provides non-custodial wallets, virtual and physical debit cards (including a metal card), support for 15+ blockchains, acceptance at 150+ million merchants in 150+ countries, a CYPR rewards token on BASE Chain, a Premium subscription plan, and a Business product for Web3 teams and DAOs. This file contains the full text of all help articles and blog posts.
## Help Center
### Get started with Cypher card
> Everything you need to know about getting your Cypher card and completing verification.
#### Country & Region Support
URL: https://cypherhq.io/help/getting-started/country-support
import { CountrySupportList } from "@/components/country-support-list";
Check if your country or region is supported for Cypher Card issuance. Support status is fetched in real-time from our systems.
#### How long does it take for the KYC to be verified?
URL: https://cypherhq.io/help/getting-started/how-long-does-it-take-for-the-kyc-to-be-verified
Typically, KYC verification takes 24-48 hours. If all the information provided matches the submitted documents, your application might be approved instantly. However, discrepancies may require manual review, which could extend the verification time to 48 hours.
For further assistance, please contact our support team at support@cypherhq.io.
#### How to change the email address or contact number on Cypher
URL: https://cypherhq.io/help/getting-started/how-to-change-the-email-address-or-contact-number-on-cypher
To update your contact number or email address, just follow these steps:
1. Log in to your Cypher account.
2. Go to the **"Cards"** section.
3. Tap on **"Options"** in the top-right corner.
4. Select the **"Personal Information" option.**
5. Update your contact details or email address, and you're all set!
Go to the **"Cards"** section. Tap on **"Options"** in the top-right corner.
Select the **"Personal Information" option.**
And update your contact information
#### What about Taxes
URL: https://cypherhq.io/help/getting-started/what-about-taxes
When it comes to taxes, we recommend reaching out to your financial advisor or auditor in your region, as tax rules vary by country.
#### What are some of the reasons why the KYC is declined?
URL: https://cypherhq.io/help/getting-started/what-are-some-of-the-reasons-why-the-kyc-is-declined
Your KYC might be declined due to the following reasons:
- Name mismatch
- Underage
- Issues with the documents that you have submitted
- Expired documents
- Unsupported documents
- Unsupported Countries
#### What are the documents required to proceed with the KYC process?
URL: https://cypherhq.io/help/getting-started/what-are-the-documents-required-to-proceed-with-the-kyc-process
Currently, we accept national IDs, passports, and driving licenses for KYC verification. Please ensure that the document is original, clear, and valid for at least 3 months from the date of submission. Passports and documents in english have a high acceptance rate.
Please note that our bank accepts only government issued IDs for the KYC process and documents like Residence Permit will not be accepted.
#### What should I do if my country is unsupported?
URL: https://cypherhq.io/help/getting-started/what-should-i-do-if-my-country-is-unsupported
If you're a resident or citizen of an unsupported country, you can still complete the KYC process using an ID from any supported country.
### Virtual card & Physical card
> Learn about virtual and physical card features, activation, and management.
#### Adding Your Card to Mobile Wallets
URL: https://cypherhq.io/help/cards/adding-your-card-to-mobile-wallets
We've provided helpful links below to guide you through the process of adding your Cypher card to Apple Pay and Google Pay:
- Apple Pay: https://support.apple.com/en-in/108398
- Google Pay: https://support.google.com/pay/india/answer/14253923?hl=en&ref\_topic=9673955&sjid=11140844867938253910-AP
#### Are there any charges for issuing a virtual card?
URL: https://cypherhq.io/help/cards/are-there-any-charges-for-issuing-a-virtual-card
For new users the first virtual card is free and is generated automatically a few minutes after the first card load.
To activate your account you need a minimum card load of $10 in any supported chain of your preference.
To get an additional virtual card: go to card -> get a new card -> choose the Virtual card option.
# Virtual Card
- Extra Virtual Card cost $10 and **_are non-refundable._**
# **Key Points to Remember**
- The first virtual card of the account is free.
- New virtual cards cost 10 USD and cannot be refund
#### How do I get a physical card?
URL: https://cypherhq.io/help/cards/how-do-i-get-a-physical-card
You can apply for the physical card through the app or the web app. Cypher offers two types of physical cards: a standard plastic (PVC) card and a premium metal card.
To get a new card go to "card" -> In your card UI press for the left -> Get a new card. Choose one of the options that best fits your needs:
# Standard Plastic Card (PVC)
- **Cost**: $50. The $50 fee includes both card production and shipping. No additional delivery charges apply.
# Premium Metal Card
- **Cost**: Included with a Cypher yearly subscription priced at $199. This subscription includes one premium metal card with no extra charges for issuance or delivery.
# Key Points to Remember
- Extra PVC cards costs $70 and extra Metal cards costs $139.
- Delivery charges are included in the card cost or subscription fee, so no extra payment is required.
#### How do I get the Cypher VISA card? Is KYC required to obtain the card?
URL: https://cypherhq.io/help/cards/how-do-i-get-the-cypher-visa-card-is-kyc-required-to-obtain-the-card
## How to Complete KYC on the Cypher App
1. **Open the Cypher App**
- Launch the Cypher app on your device.
2. **Connect or Create a Wallet**
- Connect your **existing wallet**, or
- Create a **new wallet** using:
- Email signup, or
- Google (Gmail) login
- Verify your login using the **OTP code** sent to your email.
3. **Go to the Card Page**
- After logging in, navigate to the **Card** section in the app.
4. **Start the KYC Process**
- Click on **Apply / Verify Identity** to begin the KYC process.
5. **Submit Personal Information**
- Enter your **personal details** exactly as shown on your official documents.
6. **Upload Verified Documents**
- Upload a **government-issued ID** (passport, national ID, or driver’s license).
- Make sure the document is **clear, valid, and readable**.
7. **Complete Live Face Verification**
- After uploading documents, complete **live face verification (liveness check)**.
- Take a selfie or short video as instructed.
- Ensure good lighting and remove hats, masks, or sunglasses.
8. **Submit and Proceed With Verification**
- Review all information.
- Submit your application to proceed with the verification process.
9. **Wait for Approval**
- Your KYC application will be reviewed.
- You’ll be notified once it’s **approved** or if additional action is required.
#### How fast is the shipping for a physical card?
URL: https://cypherhq.io/help/cards/how-fast-is-the-shipping-for-a-physical-card
Shipping times for physical cards vary depending on your location. Generally, it takes 3 to 4 weeks for delivery from the date of ordering. We ship through FedEx, and you'll get the tracking ID from FedEx once the card is shipped
#### How to activate the metal card?
URL: https://cypherhq.io/help/cards/how-to-activate-the-metal-card
Please follow the below mentioned steps to activate the metal card
1. Log in to your Cypher account and go to "cards tab".
2. Select the "Metal Card".
3. You’ll see the **"Activate Metal Card"** option—go ahead and select it to proceed.
If you run into any issues with these steps, feel free to reach out to us via in-app support chat.
#### How to add a country to your allowlist
URL: https://cypherhq.io/help/cards/how-to-add-a-country-to-your-allowlist
Cypher's advanced card controls dashboard lets users prevent unauthorized transactions by disabling all international transactions. Users can also allow specific countries based on their needs.
Follow these simple steps to add a country to your allowlist:
## Step 1: Log In
- Open the **Cypher app** or website.
- **Log in** with your registered credentials.
---
## Step 2: Go to the "Cards" Section
- Once logged in, navigate to the **"Card"** tab in the dashboard.
---
## Step 3: Select the Card
- Choose the **card** you want to configure (can be **physical** or **virtual**).
---
## Step 4: Access Card Controls
- Tap on **"Controls"** for the selected card.
---
## Step 5: Navigate to the Demographic Section
- **Swipe down** on the controls page to find the **"Demographic" section**.
- Locate the **"Select Country"** option.
---
## Step 6: Add a Country
- Tap on **"Select Country"**.
- Browse or search for the **country** you want to allow.
- Add it to the **"Allowed Countries"** list.
---
## Step 7: Save Changes
- After selecting the country, tap on **"Save Changes"** to apply the update.
---
You've successfully allowed international transactions for the selected country on your Cypher card!
#### How to lock the card?
URL: https://cypherhq.io/help/cards/how-to-lock-the-card
Please follow the below steps to lock your card
1. Login to your **Cypher account**
2. Go to **cards tab**
3. Select the card (virtual or physical) you want to lock
4. Click the lock card option right below card
_Note: This process is the same in both browser and mobile version._
#### How to view card number
URL: https://cypherhq.io/help/cards/how-to-view-card-number
Please follow the below mentioned steps to view your card number
1. Please login to your Cypher account
2. Go to **cards Section**
3. Select the card you’d like to see the number for.
4. Click the **"Reveal Card"** option (you’ll find it below or beside your card).
_Note: This process is the same in both browser and mobile version._
#### How you can apply for additional virtual card
URL: https://cypherhq.io/help/cards/how-you-can-apply-for-additional-virtual-card
Yes, Premium users can apply for additional virtual cards.
Here’s how you can order one:
1. Log in to your Cypher account.
2. Slide through the card stack until you see the **“Get New Card”** option.
3. Click on **“Get New Card”**.
4. Select **“Virtual Card”** and follow the steps to prompts to place your order.
Important note: $10 will be charged for additional virtual cards
#### Is it mandatory to activate the virtual card to receive a physical card?
URL: https://cypherhq.io/help/cards/is-it-mandatory-to-activate-the-virtual-card-to-receive-a-physical-card
Yes, you need to activate the virtual card before applying for the physical card. To activate the virtual card, simply load $10 worth of crypto.
#### What are all the blockchains supported for card load
URL: https://cypherhq.io/help/cards/what-are-all-the-blockchains-supported-for-card-load
## ✅ Blockchains Supported for Card Load
These networks _can be used to load a crypto card directly_ :
1. **Ethereum**
2. **Polygon**
3. **Arbitrum**
4. **Optimism**
5. **Base**
6. **Injective**
7. **Osmosis**
8. **Cosmos**
9. **TX**
10. **BSC (Binance Smart Chain)**
11. **Solana**
12. **Avalanche (Avax)**
13. **ZKsync_ERA**
14. **Noble**
15. **Hyperliquid**
#### What channels can I enable or disable?
URL: https://cypherhq.io/help/cards/what-channels-can-i-enable-or-disable
You can now enable or disable channels by clicking on the toggle. The channels you can enable or disable are ATM Withdrawals, Online Transaction, Contactless Transaction, Card and PIM Transaction and Apple Pay and GPay.
#### Where are the cards being issued from?
URL: https://cypherhq.io/help/cards/where-are-the-cards-being-issued-from
Cypher cards, both virtual and physical, are issued by our banking partner, REAP TECHNOLOGIES PVT LTD, located in Hong Kong.
Physical cards are shipped from Hong Kong to our headquarters in the US, where they are customized with the Cypher branding kit before being sent out to users around the world.
#### Why aren’t the CVV and expiration date printed on the metal card?
URL: https://cypherhq.io/help/cards/why-arent-the-cvv-and-expiration-date-printed-on-the-metal-card
We've removed expiration dates and CVVs from the Metal card as a security measure to reduce the risk of fraud. For in-store purchases, these details aren’t required—you can simply tap or swipe. When making online purchases, you may need them, and you can easily view them in the Cypher app.
These are some of the advanced security features implemented by Visa to enhance protection and prevent fraud more effectively. We wanted to take advantage of this feature
### Card Transactions
> Information about payments, fees, limits, and transaction processing.
#### Can I increase my daily and monthly spending limits?
URL: https://cypherhq.io/help/transactions/can-i-increase-my-daily-and-monthly-spending-limits
Yes! Cypher now allows you to request a limit increase beyond the max limit from within the App.
You can request it by
\> going to Card Controls
\> Tap the Edit Icon near Daily Limit or Monthly Limit
\> Select the Request for higher spending limit and
\> enter the expected Daily and Monthly expected limits
The team will review the request and approve it in less than 15 mins. You will be notified through email and within the App when your request has been approved.
#### Can I use Cypher card on Revolut
URL: https://cypherhq.io/help/transactions/can-i-use-cypher-card-on-revolut
Unfortunately, Revolut isn’t supported as it falls under the category of a financial institution rather than a merchant. Cypher cards can only be used for purchases with merchants.
#### Cypher card is not working on Amazon, what is the reason?
URL: https://cypherhq.io/help/transactions/cypher-card-is-not-working-on-amazon-what-is-the-reason
Can you please follow the below mentioned steps to execute the payments in Amazon
Amazon typically only accepts domestic cards, but by changing the billing address to a foreign country, the payment may be routed through different gateways and have a better chance of being accepted.
please update the "Billing Address" on Amazon to a any US address and try processing the payment 3 to 4 times until it goes through?
We're working on a permanent fix for this.
#### Do you have the list of merchants where the Cypher card is accepted.
URL: https://cypherhq.io/help/transactions/do-you-have-the-list-of-merchants-where-the-cypher-card-is-accepted
We don’t have a specific list of merchants that accept Cypher cards in your country. However, any merchant that accepts VISA should be able to accept Cypher cards—just make sure the merchant also support international cards.
#### Forex Transactions
URL: https://cypherhq.io/help/transactions/forex-transactions
## What should I choose if the ATM or card terminal asks to convert for me?
Always decline the offer to convert by the ATM or card terminal.
If you're asked to debit in your home currency or the local currency, choose the local currency.
Example: If you’re in France, select EUR (Euros) as the currency when paying at the Card Terminal.
## What types of messages or options might appear on my ATM or card terminal screen?
Here are some examples of what screens you may see:
## **What option should I select at ATMs and Card Terminals?**
When using a card abroad, you may see options like:
Option
Recommended Selection
Accept with conversion or Accept without conversion?
Accept without conversion
Debit in your home currency or Debit in the local currency
Debit in the local currency
Let us convert the money for you - yes or no?
No
Confirm the exchange rate - yes or no?
No
## **Why should I let Cypher handle the conversion instead of the ATM or card terminal?**
Card machines and ATMs often apply inflated exchange rates, sometimes charging up to 15% more than Cypher’s rates.
By choosing to let Cypher handle the conversion, you get more transparent and cost-effective currency exchange.
#### How can I enable/disable Domestic or International transaction settings?
URL: https://cypherhq.io/help/transactions/how-can-i-enabledisable-domestic-or-international-transaction-settings
To enable specific countries, go to “Select Countries” under Card Controls and check the countries you want to enable.
#### How long does it take to get a refund
URL: https://cypherhq.io/help/transactions/how-long-does-it-take-to-get-a-refund
Any unprocessed transactions will be canceled by the merchant within 5 to 7 working days, and it will take the bank at least 4 to 5 working days to process them.
You’ll receive a notification once the refund is credited to your account.
Please note that the merchant must initiate the refund before the funds can be credited to your account.
In some cases, merchants may take up to 15 working days to process the refund.
#### How to check the currency conversion fee?
URL: https://cypherhq.io/help/transactions/how-to-check-the-currency-conversion-fee
**Step-by-Step Instructions:**
## **Step 1: Open the VISA Exchange Rate Calculator**
- Go to this link: [https://www.visa.co.in/support/consumer/travel-support/exchange-rate-calculator.html
](https://www.visa.co.in/support/consumer/travel-support/exchange-rate-calculator.html)
---
- ## \*\*Step 2: Choose the Date of the Transaction
\*\*
##
Click on Edit Option.
- Under **"Date of Transaction"**, select the exact date when your transaction took place.
---
## **Step 3: Enter the Transaction Amount and Currency**
- In **"Transaction Amount"**, type the amount you spent or are planning to spend.
- In **"Transaction Currency"**, choose the foreign currency you used or are using (e.g., USD, EUR, GBP).
---
## **Step 4: Enter Your Billing Currency**
- In **"Your Card is Issued in"**, select the currency of your card or bank account (e.g., INR for Indian Rupees).
---
## **Step 5: Add the Bank Fee (Currency Conversion Fee)**
- Under **"Bank Fee (%)"**, enter:
- 2% if you're on the **Standard plan
**1% If you're on the **Premium plan**
---
## **Step 6: Click "Calculate"**
- Click the **"Calculate Conversion"** button to see:
- The **exchange rate** used
- The **converted amount** you’ll be charged
- The **total cost including the bank fee
**
---
## **Example:**
- **Transaction Date**: 04 June 2025
- **Transaction Amount**: 100
- **Transaction Currency**: USD
- **Billing Currency**: INR
- **Bank Fee**: 2% (for Standard plan) and 1% (for premium plan)
Click **Calculate** to get the INR equivalent with the applied conversion fee.
#### How to export the transactions as a CSV file?
URL: https://cypherhq.io/help/transactions/how-to-export-the-transactions-as-a-csv-file
You can easily export your Cypher card transaction history as a PDF or CSV file. Just follow these simple steps:
1. Log in to your Cypher account.
2. Head to the "Cards" section.
3. Select "View All Transactions."
4. Click the "Export" button at the top right corner of the screen to download your transaction history as a CSV or PDF.
#### How to set PIN for ATM Withdrawal
URL: https://cypherhq.io/help/transactions/how-to-set-pin-for-atm-withdrawal
Follow these steps to set a PIN for your physical Cypher card:
- Log in to your Cypher account.
- Go to the **Card** section and select your physical card.
- Tap on **Controls**.
- Select and create your own PIN.
- Set a PIN combination of 4 to 6 digits of your personal choice. You need to set in both fields the same sequence for double check.
- Continue and add the OTP code it will arrive in your Email or Telegram.
- Congratulations you're ready to use your card PIN.
#
**Key Points to Remember**
- You can use this PIN for ATM withdrawals and in-store purchases that require PIN authentication.
- Keep your PIN private. Cypher will never ask for your PIN combination.
- For set a new PIN you need to Reset Card settings on controls and repeat the process above.
#### I tried to withdraw money from ATM - the amount was debited, but I didn’t receive the cash.
URL: https://cypherhq.io/help/transactions/i-tried-to-withdraw-money-from-atm-the-amount-was-debited-but-i-didnt-receive-th
If the ATM didn’t dispense cash but the amount was debited from your account, don’t worry—all the failed transaction will be the refunded within 7 to 8 working days. If you still haven’t received it after 7 days, reach out to us, and we’ll assist you with the next steps.
It's always better to share the transaction ID when sharing such requests
#### Is it possible to increase the monthly spending limits to $100k and above?
URL: https://cypherhq.io/help/transactions/is-it-possible-to-increase-the-monthly-spending-limits-to-100k-and-above
Yes, we can increase your monthly spending limit to $100K. If you're a premium user, we can offer even higher spending limits.
#### My transaction was declined but I do not see the reason. How can I retry the transaction?
URL: https://cypherhq.io/help/transactions/my-transaction-was-declined-but-i-do-not-see-the-reason-how-can-i-retry-the-tran
You can check why your transaction was declined by going to the Transactions page within the App. If it is due to one of the card controls settings, you can modify the settings and retry the transaction.
If it is due to other reasons and you need further assistance, you can reach out to us on support@cypherhq.io
#### Personalize your Spending Limit
URL: https://cypherhq.io/help/transactions/personalize-your-spending-limit
Please follow the below mentioned steps to personalize your card spending limits
Step 1: Log in to your **Cypher account.**
Step 2: Go to the **Cards** section.
Step 3: Choose the card (virtual or physical) for which you’d like to adjust the spending limit.
Step 4: Click on **Controls**.
Step 5: Select **"edit"** icon to adjust the daily and monthly spending limits. Done! You personalize your Spend limit.
Keep in mint that the spending limit resets at the beginning of each calendar month.
_Note: If you’d like to increase your limit for higher values, don’t hesitate to contact our support team. We’re here to offer the best solutions for you._
#### Received a notification that my most recent transaction was declined due to Card Controls. What should I do?
URL: https://cypherhq.io/help/transactions/received-a-notification-that-my-most-recent-transaction-was-declined-due-to-card
If your most recent transaction was declined, you would have received a notification with the reason for the decline.
If it was because your daily or monthly spend limit was reached, you can increase the limit and retry the transaction.
If it was because a channel was not enabled, you can turn on the toggle for the specific channel and try again.
If it was declined because a specific country was not enabled, you can select the country under the “Select Countries” option and try the transaction again.
#### The same transaction was debited twice. What should I do?
URL: https://cypherhq.io/help/transactions/the-same-transaction-was-debited-twice-what-should-i-do
If the amount was debited twice for the same transaction, one of the transactions will be canceled by the merchant and refunded to your account within the next 5 to 7 working days.
#### What are ATM withdrawal limits
URL: https://cypherhq.io/help/transactions/what-are-atm-withdrawal-limits
Here are the ATM withdrawal limits for your Cypher card
Daily - $2,000 ATM
withdrawal frequency - 3/day
Monthly - $10,000 ATM
withdrawal frequency - 30/Month
**Important Things to consider:**
\-> Please be aware that these withdrawal limits may vary based on your country or region, as well as the specific ATM operator you are using.
\-> It's not possible to increase the Daily or monthly withdrawal limits because of security reason
#### What happened to Domestic and International transaction settings?
URL: https://cypherhq.io/help/transactions/what-happened-to-domestic-and-international-transaction-settings
Many of our users frequently travelled and had questions about whether their Domestic location had to be updated when they travelled. To avoid confusions around this, we have removed Domestic and International controls and made everything under countries.
#### What is my daily and monthly spending limit?
URL: https://cypherhq.io/help/transactions/what-is-my-daily-and-monthly-spending-limit
The Standard Plan users have a daily limit of $10,000 and a monthly limit of $30,000.
The Premium Plan users have a daily limit of $20,000 and a monthly limit of $60,000.
#### What is the Cypher Card Refund Policy?
URL: https://cypherhq.io/help/transactions/what-is-the-cypher-card-refund-policy
Our refund policy varies by plan and card type:
Premium Plan:
• The Premium Plan includes access to lower fees and a metal card
• A refund may be requested within 7 days of purchase if:
\- he metal card order has not been placed, and
\- No premium benefits (such as waived forex fees, ATM withdrawals, or other premium features) have been used
Cards:
• Virtual Cards, PVC and Metal Cards are non-refundable once issued
For refund requests, please contact support within the specified timeframes.
#### Why are Card Controls changing?
URL: https://cypherhq.io/help/transactions/why-are-card-controls-changing
To ensure a smoother experience for users where users can easily choose what controls they want to enable in a single page and just turn on and off the toggle, we have condensed all card controls into a simple flow.
#### Why is there an extra charge for payments at hotels and gas stations?
URL: https://cypherhq.io/help/transactions/why-is-there-an-extra-charge-for-payments-at-hotels-and-gas-stations
Yes, additional holds are applied to payments at hotels and petrol stations. This is due to a new requirement from our banking partner.
Certain merchant categories, such as hotels and petrol stations, often process transactions where the final amount exceeds the initial authorization. Additionally, exchange rate fluctuations at the time of settlement may cause slight variations in the final amount.
Rest assured, any extra charges will be deducted from the hold amount, and the remaining balance will be refunded to your account within 7–8 working days. This is only a temporary hold, and the refund will be processed automatically. You'll be notified via email once the refund is processed.
We understand this may be an inconvenience and appreciate your patience as we implement this industry-wide security measure. If you have any questions, feel free to reach out via support chat—we're happy to help!
### Cypher wallet
> Guide to using the Cypher wallet, deposits, and crypto management.
#### Are there any limits to the amount that I can load to the card
URL: https://cypherhq.io/help/wallet/are-there-any-limits-to-the-amount-that-i-can-load-to-the-card
There are no limits on the total amount that can be loaded onto the card. You may load funds as per your requirements.
**Note:** A single load of up to **$100,000** can be added for **USDC, USD, ETH, and SOL**.
#### Can i deposit funds to cypher card from other sources (bank transfer, wallets etc)?
URL: https://cypherhq.io/help/wallet/can-i-deposit-funds-to-cypher-card-from-other-sources-bank-transfer-wallets-etc
Cypher card is meant to be a crypto card. Transferring funds to cypher card from other sources will attract a fee of 3%-5% on the amount transferred.
#### Can I remove the wallet connected to the card and link a new one?
URL: https://cypherhq.io/help/wallet/can-i-remove-the-wallet-connected-to-the-card-and-link-a-new-one
Yes, you can remove the existing wallet address linked to your Cypher card and link a new one.
To proceed, please reach out to us via support chat and share the following details:
1. The reason for the wallet change
2. Your old wallet address
3. Your new wallet address
4. Your registered email address
5. Your full name
#### Can I withdraw funds that I have on the card
URL: https://cypherhq.io/help/wallet/can-i-withdraw-funds-that-i-have-on-the-card
You can transfer funds from your card back to your wallet!
Here’s how to request a withdrawal:
1️⃣ Log in to your Cypher account.
2️⃣ Go to the **Cards** section.
3️⃣ Tap on **Options** (top-right corner).
4️⃣ Select **Withdraw Card Balance.**
Enter the amount you want to withdraw and follow the steps to complete the process.
Go to the **Cards** section.
Select **"Withdraw Card Balance"**
Enter the amount you want to withdraw
_Please note: It may take 24 to 48 hours for the amount to reflect in your wallet._
#### How do I connect my Phantom wallet to Cypher on mobile?
URL: https://cypherhq.io/help/wallet/how-do-i-connect-my-phantom-wallet-to-cypher-on-mobile
Our mobile app doesn’t support connecting with Phantom Wallet directly.
But you can still access your Cypher card using one of these two methods:
**Method 1:** **Import your Phantom seed phrase** into Cypher and continue using your card.
**Method 2:** Linking a new wallet to the existing card and then use it:
**Create a new wallet with Cypher**, then link it to your existing Cypher card using the **"Link Wallet"** option on the web app. After that, log in to your Cypher wallet and you're good to go!
#### How to link multiple wallets to the card?
URL: https://cypherhq.io/help/wallet/how-to-link-multiple-wallets-to-the-card
You can link multiple wallets to the Cypher card. Please follow the below mentioned
\-> Login to your **Cypher account** and go to **cards's section**
\-> Select **"Options"**
\-> Click on **Linked Wallets**
\-> Add your wallet and the name of it
\-> Confirm and you're all settled.
With this feature, you can link multiple wallets to your card, log in using any of them, and fund your card effortlessly.
You can delete these linked wallets anytime. The delete option is right next to each linked wallet.
_Note: The process in the Mobile is the same as the Browser Version._
#### How to Send Funds to Cypher from a Non-Custodial Wallet
URL: https://cypherhq.io/help/wallet/how-to-send-funds-to-cypher-from-a-non-custodial-wallet
You can receive crypto into your Cypher wallet from any supported non-custodial wallet by following the steps below.
##
Step-by-step guide
1. **Open the Cypher app**
Go to your Portfolio page and tap \[Receive\]
2. **Select the network**
Choose the blockchain network from which you want to receive funds (for example, Ethereum, Solana, or Base)
3. **Copy your Cypher wallet address**
Copy the wallet address shown for the selected network.
**Note:** This address can be used to receive all tokens supported on that specific network
4. **Open your sending wallet**
Go to the non-custodial wallet where your funds are currently stored
5. **Choose the token and amount**
Select the token you want to send, enter the amount, and paste the Cypher wallet address you copied earlier
6. **Confirm and send**
Review the details and confirm the transaction in your sending wallet
7. **Wait for confirmation**
Once the transaction is confirmed on-chain, the funds will appear in your Cypher wallet.
## Important things to keep in mind
- **Match the network correctly**
The network selected in Cypher must match the network used in your sending wallet.
- **Transactions are irreversible**
Crypto transfers cannot be canceled or reversed once sent.
- **Ensure gas fees**
Make sure your sending wallet has enough of the network’s native token to cover gas fees. We also recommend sending a small amount of the native token to your Cypher wallet to cover fees for future transfers.
##
Pro tip
Once funds arrive in Cypher, you can spend instantly using your Cypher Card, or swap and bridge assets directly from your non-custodial wallet.
#### Is it possible to fund the card with Fiat?
URL: https://cypherhq.io/help/wallet/is-it-possible-to-fund-the-card-with-fiat
No, it's not possible to fund the card with fiat.
Our primary focus is to enable crypto users with a seamless off-ramping.
#### Meme tokens
URL: https://cypherhq.io/help/wallet/meme-tokens
**Before funding your Cypher card with meme tokens, it's important to understand the risks.**
Meme tokens are highly volatile. If the value of your selected token drops during the funding process, the final funded amount may be lower than the initially quoted amount. However, if there are no price changes during the process, the exact quoted amount will be funded.
Additionally, if there are multiple load requests in our system, processing may take up to 20 minutes. Any price fluctuations during this time may impact the final loaded amount.
#### Where can I find the wallet address on the Cypher app?
URL: https://cypherhq.io/help/wallet/where-can-i-find-the-wallet-address-on-the-cypher-app
Please follow the below mentioned steps to get your wallet address
1. Login to your Cypher account
2. Go to "Options" on the bottom right corner
3. Click "Address Book"
4. Then select your "wallet address"
#### Which chains can I use to load USDC onto the card, and what's the fee for it?
URL: https://cypherhq.io/help/wallet/which-chains-can-i-use-to-load-usdc-onto-the-card-and-whats-the-fee-for-it
Here’s the list of chains where USDC is supported for card loading:
- Ethereum
- Solana
- Noble
- Base
- Polygon
- Optimism
- Arbitrum
- Avalanche
Premium users enjoy **zero USDC load fees** on these chains.
Please note: USDC on BNB is a bridged version, so it's **not eligible for zero load fees**.
Loading USDC on BNB will incur a **0.5% fee for Premium users** and **1% for Standard plan users**.
If you have any questions, feel free to reach out to our team — we’re happy to help!
#### How do I reveal my seed phrase and private keys?
URL: https://cypherhq.io/help/wallet/how-do-i-reveal-my-seed-phrase-and-private-keys
Please follow the steps below to reveal and back up your wallet's recovery details:
1. Log in to the Cypher app.
2. Go to "Options" on the bottom right corner
3. Under "Account & Security", select "Manage Wallet"
4. Select "Reveal Seed Phrase" and securely save your seed phrase.
5. You can also select "Reveal Private Key", choose each supported blockchain, and copy the private key for each one.
Both your Seed Phrase and Private Keys are important for recovering your wallet if you lose access to your device. Please store them in a safe and secure location, and never share them with anyone.
### Cypher Premium
> Premium features, benefits, and subscription details.
#### Are all countries supported for SafePal Offer?
URL: https://cypherhq.io/help/premium/are-all-countries-supported-for-safepal-offer
You can check the full list here 👇
[https://safepalsupport.zendesk.com/hc/en-us/articles/20151246730011-Countries-and-Regions-Available-for-Shipping](https://safepalsupport.zendesk.com/hc/en-us/articles/20151246730011-Countries-and-Regions-Available-for-Shipping)
#### Can I order multiple metal cards if I am a premium user?
URL: https://cypherhq.io/help/premium/can-i-order-multiple-metal-cards-if-i-am-a-premium-user
Yes, Premium users can apply for additional metal cards.
Here’s how you can order one:
1. Log in to your Cypher account.
2. Slide through the card stack until you see the **“Get New Card”** option.
3. Click on **“Get New Card”**.
4. Select **“Metal Card”** and follow the steps or prompts to place your order.
#### I upgraded to Cypher premium. What are the next steps
URL: https://cypherhq.io/help/premium/i-upgraded-to-cypher-premium-what-are-the-next-steps
Please follow the next steps once you upgrade to our premium plan
Cypher offers three types of card options to its users including virtual, plastic, and metal cards. Virtual cards are instantly activated for online use, while metal and plastic cards bring more functionality for physical transactions.
1. **Apply for Your Metal Card**
Log in to the Cypher App and go to the "Cards" section.
Select the metal card option and carefully fill out the required details, including your shipping address.
Note that purchasing the Premium plan does not automatically initiate the shipment of a metal card. Updates about metal card availability will be shared through app notifications and Cypher's social media accounts.
2. **Join the Premium Lounge on Discord** Join our [discord channel](https://discord.gg/ZqeSGmJgWF) and tag any of our Cypher team members to request to enter the "Premium Lounge" and we'll get you added.
**(Optional) Add-on Cards for Family**
Yes, you can apply for physical add-on cards for your family at any time. A shipping fee will apply. These add-on cards share your account balance and also share the premium benefits.
#### Until when can I claim the hardware wallet?
URL: https://cypherhq.io/help/premium/until-when-can-i-claim-the-hardware-wallet
The last date to claim your free SafePal X1 hardware wallet is June 30, 2026.
#### What are the benefits of upgrading to premium plan
URL: https://cypherhq.io/help/premium/what-are-the-benefits-of-upgrading-to-premium-plan
**Here’s what you get with Cypher Premium:**
- **Exclusive Metal Card** – Absolutely free.
- **Zero Loading Fee** – Load USDC without any fees.
- **Industry Best forex fee** – **0.75%**
- **Family Add-on Cards** – Share the benefits with your loved ones.
- **Premium Discord Access** – Join an exclusive channel for premium members.
- 2x Base Rewards – Any purchase you do have 2x Base Rewards in the cypher protocol.
#### What are the steps to claim the SafePal hardware wallet for free?
URL: https://cypherhq.io/help/premium/what-are-the-steps-to-claim-the-safepal-hardware-wallet-for-free
1. **Visit the claim page**
Go to: [https://www.safepal.com/claimX1/v2/#/v/party100912/pa3ln2](https://www.safepal.com/claimX1/v2/#/v/party100912/pa3ln2)
2. **Connect the wallet linked to your Cypher account**
To find your wallet address:
- Log in to your Cypher **app or dApp**
- Navigate to the **“Options”** menu
- Select **“Address Book”** to copy your wallet address
3. **Check eligibility**
Click “Connect” on the claim page and connect your wallet to verify eligibility
You’ll see this screen if your connected wallet is eligible for the campaign
4. **Cover shipping at checkout**
Enter your shipping details and proceed to checkout.
_(Only shipping fees apply)_
5. **Claim your SafePal X1**
Once your order is confirmed, you’ll receive a confirmation email from the SafePal team
Delivery is available only in supported regions.
You can check the full list here 👇
[https://safepalsupport.zendesk.com/hc/en-us/articles/20151246730011-Countries-and-Regions-Available-for-Shipping](https://safepalsupport.zendesk.com/hc/en-us/articles/20151246730011-Countries-and-Regions-Available-for-Shipping)
#### What will happen to the metal card after the premium subscription is over?
URL: https://cypherhq.io/help/premium/what-will-happen-to-the-metal-card-after-the-premium-subscription-is-over
Metal card holders can continue using their card until the expiry date.
#### Who is eligible for the free Safepal hardware wallet?
URL: https://cypherhq.io/help/premium/who-is-eligible-for-the-free-safepal-hardware-wallet
Only active Cypher Premium users are eligible. Eligibility is verified directly on SafePal’s claim page
### CYPHER Protocol
> Learn about the CYPHER token, staking, and protocol features.
#### Can merchant allocations change during the epoch?
URL: https://cypherhq.io/help/protocol/can-merchant-allocations-change-during-the-epoch
No.
Merchant allocations depend on votes cast during the previous epoch but the rewards depend on the total spend acquired by the merchant in the current epoch. Merchant allocation won't change but rewards change based on the spend.
#### How much CYPR is allocated per merchant, and where can I view it?
URL: https://cypherhq.io/help/protocol/how-much-cypr-is-allocated-per-merchant-and-where-can-i-view-it
Merchant level allocations are determined by voting distribution in the previous epoch.
#### How to Vote?
URL: https://cypherhq.io/help/protocol/how-to-vote
1. **Log in** to your Cypher account.
2. Go to the **Cards** section.
3. Click on **'View All Merchants bonuses'**.
4. **Search** for the brand(s) you want to support
5. Click **'Vote'** and enter the amount of **veCYPR** you want to allocate to that brand
6. You’re all set! You'll get a Telegram notification confirming your vote
#### Is it better to vote more or refer more?
URL: https://cypherhq.io/help/protocol/is-it-better-to-vote-more-or-refer-more
Neither alone. What matters is the **combination**.
Boosted referral rewards are based on **votes × successful referees**.
A balanced approach works best.
#### Is there any cap or throttle during this epoch?
URL: https://cypherhq.io/help/protocol/is-there-any-cap-or-throttle-during-this-epoch
No.
There are no hidden throttles or limits beyond the vote based allocation mechanism.
#### Is voting mandatory or just beneficial?
URL: https://cypherhq.io/help/protocol/is-voting-mandatory-or-just-beneficial
Voting is mandatory for boosted referral rewards.
Without voting, boosted referral rewards cannot unlock even if you refer users.
#### How to lock CYPR?
URL: https://cypherhq.io/help/protocol/how-to-lock-cypr
in you Cypher app/dapp
1️⃣ Go to “Cypher Locks” under Cypher protocol
2️⃣ Choose how much CYPR to lock
3️⃣ Pick a duration
4️⃣ Confirm your deposit
✅ You’ll be eligible for the veCYPR benefits instantly.
X post -https://x.com/Cypher\_HQ\_/status/1974725553535304068
#### What are all the benefits of holding veCYPR? Does it have any benefits of holding?
URL: https://cypherhq.io/help/protocol/what-are-all-the-benefits-of-holding-vecypr-does-it-have-any-benefits-of-holding
**veCYPR** holders play a major role in strengthening the ecosystem
**Vote for your favourite brands** (like Amazon, Uber, etc.) to decide which ones receive new CYPR emission every 2 weeks
- **Earn USDC incentives** by voting for participating brands.
- **Earn referral rewards** when your referral signs up and completes their 1st transaction
- **Earn boosted referral rewards** when your referred users make their 1st spend at the brands you voted
_(Note: Referral codes are open to everyone, regardless of whether they hold a Cypher Card_)
#### What happens if I vote but don’t refer to anyone?
URL: https://cypherhq.io/help/protocol/what-happens-if-i-vote-but-dont-refer-to-anyone
If you vote but don’t bring any successful referees, you simply won’t earn boosted referral rewards for that epoch.
There’s no penalty, you may still earn other rewards like spend rewards or voting-related incentives (if applicable).
#### What is the timeline to vote for the brands?
URL: https://cypherhq.io/help/protocol/what-is-the-timeline-to-vote-for-the-brands
You can vote for your **preferred merchants** anytime before the epoch ends
i.e 14 day period
#### What's an Epoch?
URL: https://cypherhq.io/help/protocol/whats-an-epoch
An epoch is **a specific period of time during which events such as voting, spending, and allocation of rewards happen**. Each epoch lasts **2 weeks (14 days)** and runs from 12 AM UTC on the start date to 12 AM UTC on the end date.
Every epoch, a new allocation of CYPR tokens is emitted to merchants/brands, which varies based on the month and year.
Vote for your favourite brands in a particular epoch and see it being reflected in the upcoming epoch. Get incentives in the form of USDC with specific merchants of that epoch.
#### What's the minimum lock period?
URL: https://cypherhq.io/help/protocol/whats-the-minimum-lock-period
Minimum lock for an Epoch is the number of days remaining towards the end of the Epoch.
(eg. on an Epoch going from 9th October to 23rd October -if a user votes on
20th October, it would be 3 days )
The rewards can be claimed by the end of the Epoch
### Referral Rewards
> How to earn rewards by referring friends and family to Cypher.
#### Are boosted referral allocations separate from boosted spend allocations?
URL: https://cypherhq.io/help/rewards/are-boosted-referral-allocations-separate-from-boosted-spend-allocations
Yes.
Boosted referral rewards and boosted spend rewards come from separate emission pools and are calculated independently.
#### Are there any referral rewards?
URL: https://cypherhq.io/help/rewards/are-there-any-referral-rewards
**Anyone can participate and refer users to Cypher**.
When a referred user completes their **first transaction**, both the **referrer** and the **referred user** receive rewards.
---
## Total Rewards
- **Referrer earns:** **500 $CYPR**
- **Referred user earns:** **300 $CYPR**
---
## Reward Distribution (Referred User)
The referred user’s **300 $CYPR** is unlocked in stages:
- **50 $CYPR** – KYC completed
- **100 $CYPR** – First card load
- **150 $CYPR** – First card spend
**Note:** The **300 $CYPR will be credited at the end of the epoch**, provided the referred user has completed their **first transaction**.
---
## Referrer Reward
Once the referred user completes all required steps, the **referrer receives the full 500 $CYPR**.
How to Generate a Referral Code
1. Open the **Cypher App**
2. Navigate to the **Rewards** tab
3. In the **Referrals** section, tap **Invite Friends**
4. Select **Other Invite Codes**
5. Tap **New Invite Code** to create and customize your invite code based on your preferences.
6. Enter your **custom referral code and click on continue**
7. **Share the code and link** with your friends
Your friends can use this code during sign-up to participate in the referral program and earn rewards.
#### Can I see the rewards immediately after making a transaction?
URL: https://cypherhq.io/help/rewards/can-i-see-the-rewards-immediately-after-making-a-transaction
Rewards won't appear immediately after each transaction. Your **total rewards for the epoch (reward cycle)** will be visible once the cycle ends. So do not worry if the Rewards section shows 0. If you have completed the transaction, it will reflect at the end of the epoch.
You can also see **estimated rewards** for each spend at both boosted and non-boosted merchants.
Follow our official X and Discord channels for the latest updates on rewards and new features.
#### Do I need both votes and referees to earn boosted rewards?
URL: https://cypherhq.io/help/rewards/do-i-need-both-votes-and-referees-to-earn-boosted-rewards
Yes. Boosted referral rewards require **both**:
- voting for a merchant, and
- bringing referees who actually spend time at that merchant during the same epoch.
If either one is missing, boosted rewards won’t unlock.
#### How are the rewards calculated for my spending?
URL: https://cypherhq.io/help/rewards/how-are-the-rewards-calculated-for-my-spending
Your spends would fall under two types: **Base Spends** and **Boosted Spends.**
- **Boosted Spends:** When you spend at any **boosted merchant**, you earn **extra rewards** up to 2x (2 CYPR = $1 spent), 3x (3 CYPR = $1 Spent), or whatever multiplier is shown for that brand.
- **Base Spends:** These are your regular spends (not on boosted merchants). Rewards for base spends are calculated at the end of each reward cycle based on your plan, total spend, and the base reward pool.
_Note: The multiplier can change depending on how many people are spending at that merchant during the current cycle (epoch)._
#### How to check the boosted brands list?
URL: https://cypherhq.io/help/rewards/how-to-check-the-boosted-brands-list
Every reward cycle features up to 300+ (expected to increase every consecutive epoch) brands offering higher CYPR rewards.
To explore:
1️⃣ Go to the **Cards section** on the app
2️⃣ Click **“View All Merchants bonuses”**
3️⃣ Filter by the **“Rewards Multiplier”** option to view the boosted brands list
#### How to check the brands that offer incentives for voting?
URL: https://cypherhq.io/help/rewards/how-to-check-the-brands-that-offer-incentives-for-voting
Follow these quick steps to be eligible for brands incentives👇
1️⃣ Go to the **Cards section** on the app
2️⃣ Click **“View All Merchants bonuses”**
3️⃣ Filter by the **“Incentives”**
4\. Boost any brands of your choice
5\. Check out the incentives by brands in the "Incentives" column
**The USDC rewards will be distributed by the end of the cycle**
#### How to claim my rewards?
URL: https://cypherhq.io/help/rewards/how-to-claim-my-rewards
for step by step process follow these:
1\. Go to Cypher app/dapp
2\. Nav Reward pag
3\. Select claim option
4\. See breakdown of your reward. Click claim reward
5\. Sign with your wallet to claim your reward
check out this link for a dedicated video to claim your rewards:
https://x.com/Cypher\_HQ\_/status/1981658438141714459
#### If the same referee spends at multiple boosted merchants, do I get rewards for all of them?
URL: https://cypherhq.io/help/rewards/if-the-same-referee-spends-at-multiple-boosted-merchants-do-i-get-rewards-for-al
Yes.
If a referee spends at multiple merchants you’ve voted for within the same epoch, those spends can unlock boosted referral rewards for each eligible merchant.
#### Is there a cap on how much I can earn?
URL: https://cypherhq.io/help/rewards/is-there-a-cap-on-how-much-i-can-earn
No. There are:
- no per-user caps
- no per-referrer caps
Your rewards scale based on your activity and competition within the epoch.
#### Is there a signup bonus?
URL: https://cypherhq.io/help/rewards/is-there-a-signup-bonus
Any new Cypher card signups during the epoch will receive a 300 $CYPR sign-up bonus once they complete their first transaction.
It will be credited to your account at the end of the 2 week Epoch when other rewards of yours will be credited
#### Is this live for all merchants or only some?
URL: https://cypherhq.io/help/rewards/is-this-live-for-all-merchants-or-only-some
Boosted referral rewards are enabled only for merchants that receive votes during the epoch.
#### What happens if the referee spends late in the epoch?
URL: https://cypherhq.io/help/rewards/what-happens-if-the-referee-spends-late-in-the-epoch
That’s completely fine.
The referee spends count until the very last minute of the epoch. There is no early cutoff.
#### What qualifies as a “successful referee”?
URL: https://cypherhq.io/help/rewards/what-qualifies-as-a-successful-referee
A successful referee is someone who:
- joins using your referral, and
- makes their first spend at a merchant you voted for,
- within the same epoch.
There is no minimum spend requirement.
#### When are boosted referral rewards calculated and shown?
URL: https://cypherhq.io/help/rewards/when-are-boosted-referral-rewards-calculated-and-shown
Boosted referral rewards are:
- calculated after the epoch ends, and
- shown once rewards are finalized
They are not displayed live during the epoch.
#### When is the boosted referral reward finalized?
URL: https://cypherhq.io/help/rewards/when-is-the-boosted-referral-reward-finalized
Boosted referral rewards are **finalized at the end of the epoch**.
They are calculated only after all votes and referee spends for that epoch are complete.
#### When will the rewards get distributed?
URL: https://cypherhq.io/help/rewards/when-will-the-rewards-get-distributed
The Rewards earned by you can be claimed **one hour after the epoch ends.**
Check out the official X and Discord handles for more updates on it
#### Which wallet should I connect to claim the reward?
URL: https://cypherhq.io/help/rewards/which-wallet-should-i-connect-to-claim-the-reward
You must connect the same wallet that was used to create your Cypher account.
This is the wallet linked to your Cypher card
To find your wallet address:
- Log in to your Cypher **app or dApp**
- Navigate to the **“Options”** menu
- Select **“Address Book”** to copy your wallet address
#### Who is eligible for boosted referral rewards?
URL: https://cypherhq.io/help/rewards/who-is-eligible-for-boosted-referral-rewards
Anyone who:
- has voted for a merchant, and
- successfully refers users who spend at that merchant during the epoch
Only merchants that receive votes are eligible for boosted referral rewards.
#### Who is eligible for the merchant incentives?
URL: https://cypherhq.io/help/rewards/who-is-eligible-for-the-merchant-incentives
Only **veCYPR holders** who vote for the participating brands during that epoch will be eligible for merchant incentives
P.S the number below is just representing how to check the veCYPR you must have in your account
#### Why does the estimated boosted referral reward look low at the start of the epoch?
URL: https://cypherhq.io/help/rewards/why-does-the-estimated-boosted-referral-reward-look-low-at-the-start-of-the-epoc
At the beginning of an epoch, the system assumes **maximum competition**, meaning every voter _could_ become a referrer.
As the epoch progresses, only voters who actually bring referees remain eligible, so the same reward pool is shared among fewer people, which increases rewards for active referrers.
#### Will i get rewards just by Voting
URL: https://cypherhq.io/help/rewards/will-i-get-rewards-just-by-voting
Yes you can get Rewards by voting!
**For Locking**
1\. Go to “Cypher Locks” under Cypher protocol
2\. Choose how much CYPR to lock
3\. Pick a duration
4\. Confirm your deposit
**For Voting**
1\. Log in to your Cypher account
2\. Go to the **Cards section**
3\. Click on View **All Merchants bonuses**
4\. **Search** for the brand(s) you want to support
5\. Click **Vote** and enter the amount of **veCYPR** you want to allocate to that brand
6\. You’re all set!
**For Claiming**
Every reward cycle, brands offer extra incentives to attract votes from veCYPR holders
1. Open the Cypher app/dapp
2. go to "Cypher protocols"
3. Click on "Dashboards" under it
4. Scroll down and you will be shown "incentive claim" under it
5. Click on "Claim" if it is the end of the epoch and claims are open
check out the youtube video to see Incentive claim and other types of cliams
### Cypher Business
> Financial operating system for Web3 teams and DAOs. Manage card spend, payments, and team finances.
#### What is Cypher Business?
URL: https://cypherhq.io/help/business/what-is-cypher-business
Cypher Business is a crypto-native spend management platform built for Web3 teams and DAOs. It enables organizations to issue team cards, control spending, and track expenses directly from their self-custodial wallets, including Gnosis Safe and Ledger.
With Cypher Business, teams can manage card-based spending, set granular limits, monitor transactions in real time, and gain clear visibility into how funds are used while keeping full custody of their on-chain treasury.
#### How do I get started with Cypher Business?
URL: https://cypherhq.io/help/business/how-do-i-get-started-with-cypher-business
Book a demo with our team to learn more about how Cypher Business can help your Web3 organization. We'll walk you through the setup process and answer any questions about our features and pricing.
#### What are all the documents for the KYB process?
URL: https://cypherhq.io/help/business/what-are-the-documents-for-kyb-process
To complete the KYB (Know Your Business) process, you'll need to provide the following documents:
1. **Certificate of Incumbency** — Provided by the registered agent of the company, listing the names of its current directors, officers, and beneficial owners (any company or person holding over 10% of company shares). Please keep in mind that we will require further information and documents if/when the shareholder is another company.
2. **Licenses or Registrations** — Any licenses or registrations of commercial activities, particularly for any regulated industry.
3. **ID Documents** — Copy of the ID document of any person listed on the certificate of incumbency.
#### How long does it take to set up an account?
URL: https://cypherhq.io/help/business/how-long-does-it-take-to-set-up-an-account
The account setup process typically involves two steps: bank approval and our internal setup.
The bank usually takes 24 to 48 business hours to approve your KYB documents. Once approved, we can set up your account within 6 to 12 hours.
In total, you can expect your account to be ready within 2 to 3 business days after submitting your KYB information.
#### How does the Gnosis Safe integration work?
URL: https://cypherhq.io/help/business/how-does-the-gnosis-safe-integration-work
Cypher Business connects to your Gnosis Safe to enable card-based spending directly from your on-chain treasury, while you retain full custody and control of your funds.
Your Safe remains the source of funds, and all spending activity is visible and traceable. Cypher does not take custody of assets or bypass your existing security setup. Card spending limits and controls are configured within Cypher, while your treasury stays secured in your Safe.
#### Are there any charges for using Cypher Business?
URL: https://cypherhq.io/help/business/are-there-any-charges-for-using-cypher-business
There's no signup fee to get started, and we offer a free tier based on your monthly transaction volume.
You can issue unlimited virtual and physical cards for your team. Physical cards have a one-time shipping fee of $30 per card, which covers card production and delivery.
#### Can I issue cards to my team members?
URL: https://cypherhq.io/help/business/can-i-issue-cards-to-my-team-members
Yes! You can issue unlimited virtual and physical cards to your team members. Each card can have individual spending limits and controls, giving you full visibility and control over team expenses.
#### How do spending limits work?
URL: https://cypherhq.io/help/business/how-do-spending-limits-work
You can set custom spending limits for each team member or card. Limits can be configured on a per-transaction, daily, weekly, or monthly basis. Alerts notify you when limits are approaching or exceeded.
#### What analytics and reporting features are available?
URL: https://cypherhq.io/help/business/what-analytics-and-reporting-features-are-available
Cypher Business provides comprehensive analytics including spend analysis by category, team member, and time period. You can export reports and integrate with accounting software like QuickBooks and Xero.
## Blog
### Cypher Has Been Acquired by Nium
URL: https://cypherhq.io/blog/cypher-is-being-acquired-by-nium
Date: 2026-07-08
Author: cypher-team
Tags: announcement, product-updates
> We're joining Nium to build the future of digital asset payments — a new Cypher experience powered by its global payments platform.
Today, we're announcing one of the biggest milestones in Cypher's journey.
Over the past four years, Cypher has helped thousands of people around the world use digital assets for everyday payments. Today, that journey enters an exciting new chapter.
Cypher is getting acquired by [Nium](https://www.nium.com/), the global leader in cross-border payments infrastructure to expand its fiat-to-onchain capabilities and build a new Cypher experience powered by Nium's global payments platform.
### Why Nium?
At Cypher, we've always believed that the future of payments lies at the intersection of traditional finance and blockchain technology. Nium shares that vision.
As the global leader in cross-border payments infrastructure, Nium enables banks, fintechs, and enterprises to move money across 190+ countries and 100+ currencies through a single global platform. With more than 41 million cards issued annually, and strategic partnerships with industry leaders such as Circle and Coinbase, Nium is building the infrastructure that connects stablecoins with real-world payments at a global scale.
Joining Nium allows us to combine Cypher's expertise in digital assets with one of the world's most advanced payments networks, creating the foundation for a faster, more scalable, and globally connected customer experience.
### What this means for you
As part of this transition, we'll begin the gradual wind-down of the current Cypher platform, including the consumer app, business card platform, and the CYPR ecosystem. It will remain available until .
## Here's what you need to know
- Your funds are completely safe and can be withdrawn at any time before , with no fees. ([View withdrawal steps](/wind-down-support/how-do-i-withdraw-my-card-balance))
- Card loading has been disabled
- You can continue using your Cypher Card until .
- All earned rewards must be claimed before
- Your card remains usable until , but your account and any remaining card balance stay accessible for withdrawal until . If you still have a card balance after , please withdraw it before the platform winds down.
- Our support team will remain available throughout the wind-down period to assist you
### The CYPR Protocol Being Discontinued.
This was not a decision we took lightly. Together with Nium, our legal and regulatory advisors, and all relevant stakeholders, we carefully explored every possible path for continuing the CYPR protocol after the acquisition. After extensive evaluation, it became clear that maintaining the existing protocol wasn't feasible.
Rather than create uncertainty or make promises we couldn't keep, we've chosen to be transparent about that decision from the outset and focus on delivering a smooth, well-supported transition for every member of our community.
## Looking Ahead
Joining Nium allows us to continue our journey on a much larger scale. We're excited to welcome our earliest supporters and Premium members back with exclusive offers, and special launch benefits for the new Cypher experience.
[Opt in to receive early access invitations and launch updates.](https://www.nium.com/cypher-opt-in)
## Here are the key dates you should be aware of throughout the transition.
## Timeline
- Card loading is disabled
- New card applications and card issuance end
- Spend rewards earned between July 2–16 are distributed
- This is the final rewards cycle — no further reward distributions
- Final day to use your Cypher Card for purchases
- All active cards are cancelled
- If you have a remaining card balance, you won't be able to spend it after this date, you'll need to withdraw it before (see withdrawal steps above)
- The current Cypher mobile app, dApp, and business platform will no longer be available.
- The withdrawal window and rewards claims will close
- The CYPR protocol will be permanently wound down, and the CYPR token ecosystem will come to an end.
## Before the shutdown date, please remember to:
- Back up your wallet recovery phrase or private keys
- Download your transaction history for your records
- Withdraw any remaining funds.
- Claim any outstanding rewards
- Avoid sending funds to Cypher deposit addresses
We created dedicated FAQs covering withdrawals, cards, wallets, rewards, and the CYPR token.
[Visit the FAQ Page](/wind-down-support)
If you have any questions, our team is here to help throughout the transition. Reach us anytime via Intercom or by emailing support@cypherd.io.
## Note from the founder
"Four years ago, we started Cypher with a simple belief: that digital assets should become a practical part of everyday finance. Everything we've built since then has been possible because of the trust, feedback, and support of this community. For that, I am deeply grateful. Joining Nium allows us to take that mission to an entirely new scale. While the current platform is winding down, the vision we started together is accelerated. We're building something incredible next, and we can't wait to show you."
## Thank You
Building Cypher has been one of the most rewarding journeys of our lives, and none of it would have been possible without you.
Thank you for believing in our vision, trusting our products, and helping us build a community that pushed us to keep improving every day. Joining Nium allows us to continue that journey on a much larger scale, and we're excited to welcome you back when the new Cypher experience is ready. Thank you for being part of Cypher.
See you soon.
— Team Cypher
### Introducing Cypher Chat Agent: Manage & Spend Your Crypto by Texting
URL: https://cypherhq.io/blog/chat-agent
Date: 2026-05-27
Author: cypher-team
Tags: product-updates, announcement
> Manage your crypto, card, and payments using simple text commands with Cypher Chat Agent. Lock cards, send crypto, swap assets, bridge chains, and more — all through conversation.
No more tapping through menus. Just send a message and Cypher Agent handles everything from loading your Cyphercard to swapping assets. The future of onchain banking is here.
The internet moved from commands to clicks.
Mobile moved from clicks to taps.
AI is now moving software from interfaces to conversations.
Today, we're bringing that shift to crypto payments.
Introducing **Cypher Chat Agent**, an AI-powered assistant built directly into the Cypher app that lets you manage your crypto, card, and payments simply by texting.
Just say what you want, and Cypher Agent gets it done. From locking your card to bridging assets across chains, complex crypto actions become simple conversations.
## The Problem With Crypto Apps Today
Crypto infrastructure has evolved rapidly. Wallets became multi-chain. Payments became global. Onchain finance became more powerful and accessible than ever before.
But usability never caught up.
Even simple actions today require navigating multiple screens, understanding unfamiliar interfaces, manually configuring workflows, and switching between apps. For new users, crypto feels overwhelming. For experienced users, it feels unnecessarily tedious.
Many crypto companies focused heavily on adding features but often at the cost of simplicity. Instead of reducing friction, the experience became more complex.
> "The best interface is the one you already know how to use. Cypher Chat Agent meets users where they are — in a conversation."
That's why we built Cypher Chat Agent.
## What Is Cypher Chat Agent?
Cypher Chat Agent is a natural language AI assistant built directly into the Cypher app. Instead of tapping through menus, you simply type what you want done — and it gets done.
**Examples:**
- "Lock my card"
- "Send 100 USDC to Alex"
- "Bridge ETH to Base"
- "Show my spending this month"
- "Increase my card spending limit"
The agent understands the intent and helps execute the action instantly and securely. Users don't have to move to 6 different pages and 12 different clicks to enable it.
## Everything You Can Do With Cypher Chat Agent
Whether you're a crypto-native user or just getting started, Cypher Agent helps manage your card, crypto, and account through a single conversation.
### Card Management
Manage your card instantly using natural language:
- Lock or unlock your card anytime
- Increase your card spend limit
- Enable auto top-up
- Block or enable transactions from specific countries
- Create new cards or delete any existing cards
- Top up the card
### Crypto Actions
Move assets seamlessly across chains and wallets:
- Send and receive crypto
- Swap assets instantly
- Bridge assets across supported chains
### Insights & History
Get instant visibility into your financial activity:
- Export transaction history as PDF
- Understand your spending analysis
- Identify top spending categories
- Track card activity instantly
### Rewards & Community
Access rewards and community features effortlessly:
- Claim rewards
- Vote for your favourite merchants
- Get your referral code
- Understand how many referrals came through
And this is only the beginning.
## See It in Action
Here's what a real conversation with the Cypher Agent looks like:
## Before vs. After: The Difference Is Real
Here's what increasing your card limit used to look like — and what it looks like now:
## Your Security, Guaranteed
We know you're trusting us with your money. Here's how we keep you protected:
**Does the agent access my private keys?**
Never. The agent interacts only with the Cypher app layer, so your private keys remain encrypted and inaccessible to it at all times.
**Can it make transactions without my approval?**
No. Any transaction that moves funds always requires explicit confirmation from you before it executes.
**What if I send a wrong message?**
The agent confirms the intent before acting on any sensitive action. You always have a chance to cancel before it's executed.
**What data does the agent see?**
Only data tied to your Cypher account — your card, transactions, and balances. No third-party data access, ever.
## How to Get Started in 2 Steps
### 1. Update your Cypher app
Head to the App Store or Google Play and install the latest version. The Chat Agent is live in this update — no separate download needed.
### 2. Navigate to the Cypher AI section
Tap the Cypher AI tab in the app and type your first message. No configuration required — you can get started immediately.
## Frequently Asked Questions
**What is Cypher Chat Agent?**
Cypher Chat Agent is an AI-powered crypto and card management assistant built directly into the Cypher app. It allows users to manage crypto payments, cards, spending, and assets using natural language.
**Is Cypher Chat Agent free to use?**
Yes, completely. Cypher Chat Agent is available to all Cypher users through the latest app update at no additional cost. If you already have the Cypher app, simply update and it's there waiting for you.
**Which cryptocurrencies does the agent support?**
The agent supports all cryptocurrencies and tokens available within the Cypher ecosystem, including assets across multiple supported chains. If you can hold it in your Cypher wallet, you can manage it through the agent.
**Can the agent bridge assets across blockchains?**
Yes. Bridging assets across supported chains is available directly through a conversational command — no need to use a separate bridge interface or copy-paste contract addresses. Just tell the agent where you want your assets and it will walk you through it.
**Is Cypher Chat Agent available on iOS and Android?**
Yes. Cypher Chat Agent is fully available on both iOS and Android through the latest version of the Cypher app, available on the App Store and Google Play Store.
**Can the agent execute transactions automatically?**
No. Any transaction involving the movement of funds requires your explicit approval before execution. The agent is designed to act on your behalf — but never without your direct confirmation first.
## Bottom Line
Crypto made money programmable. AI makes finance conversational. Cypher Chat Agent sits at the intersection of both.
We believe the next generation of financial products won't feel like traditional apps. They'll feel like conversations.
Welcome to AI-native banking. Welcome to Cypher Chat Agent.
---
**Ready to try the future of onchain banking?**
Update your [Cypher app](https://cypherhq.io) today, navigate to the Cypher AI section, and send your first message. Getting started takes less than 30 seconds.
### Cypher Agent Pay: The First Payment Card Built Exclusively for AI Agents
URL: https://cypherhq.io/blog/cypher-agent-pay
Date: 2026-05-14
Author: suganya
Tags: agent-pay, ai-agents, payments
> Cypher Agent Pay enables AI agents to make secure online payments autonomously using one-time virtual VISA cards, spending guardrails, and open agent integrations.
**The missing piece of the agentic system just dropped.**
For years, AI agents could think, plan, research, and execute complex workflows but the moment they needed to make a payment, they stopped and waited for human inputs and approvals. That bottleneck ends today.
Introducing **Cypher Agent Pay**, the world's first payment card built exclusively for autonomous AI agents.
## What Is a Cypher Agent Pay?
Cypher Agent Pay is a virtual payment card designed from the ground up for AI agents. It lets your AI agents make purchases autonomously, securely, 24/7 without any human involvement.
Whether your agent is renewing an API subscription, ordering your favorite coffee, or managing your SaaS tools, Cypher Agent Pay gives it the financial autonomy to get the job done.
## Why AI Agents Need Their Own Payment Infrastructure
Traditional payment cards are designed for humans and not for AI agents.
The rise of agentic AI systems, autonomous agents that execute multi-step tasks without human input has exposed a critical gap in the AI stack. Agents today can:
- Browse the web
- Write and execute code
- Manage files and workflows
- Communicate across platforms
But they couldn't pay for anything. Every time an agent hit a checkout page, or a subscription renewal, it had to stop and ask a human. That single bottleneck was killing the promise of true autonomous AI.
Cypher Agent Pay is purpose-built to close that gap.
## Key Features of Cypher Agent Pay
### One-Time Use Virtual Cards
Every transaction gets its own brand new virtual card number. The moment a payment goes through, that card is destroyed. Even if your agent lands on a malicious site, there is nothing left to steal. This is one of the most secure ways for an AI agent to make payments online.
For agentic AI systems operating at scale, one-time virtual cards are not just a nice-to-have, they are essential infrastructure.
### Hard Spending Limits and Guardrails
Your agent never touches your main wallet. You create a virtual card, set a hard spending limit, and that is the only funds your agent can access. The moment it hits that limit, it stops. Full control stays with you, always.
### Works with Any AI Agent Framework
Cypher Agent Pay is built on open standards. It works with Claude, OpenAI, and any agent framework that supports skills. If your workflow supports skills, it can support Cypher. No custom integrations required.
### Accepted Anywhere VISA Is Online
Your agents can spend on any online platform that accepts VISA globally. No geographic restrictions or platform limitations.
### Fund with Any FIAT Currency
You can top up the Cypher agent card with any FIAT currency and get your agents spending in minutes.
## Real Use Cases for Cypher Agent Pay
- **API subscription management** — Let your agent automatically renew, upgrade, or cancel API subscriptions based on usage
- **SaaS tool management** — Your agent monitors your software stack and handles renewals autonomously
- **E-commerce purchases** — From office supplies to coffee pods, your agent can order what you need before you even realize you need it
- **Developer tooling** — Agents spinning up cloud servers, buying credits, or accessing paid developer resources without waiting for manual approval
- **Travel and bookings** — Set a budget, brief your agent, and let it find and book the best option within your parameters
## How to Get Started with Cypher Agent Pay
Getting your first AI agent up and running with Cypher Agent Pay takes under 10 minutes:
1. Create your account at [cypherhq.io/agent-pay](https://cypherhq.io/agent-pay)
2. Complete verification, quick and straightforward
3. Fund your wallet with any FIAT currency
4. Set your spending rules - hard limits per agent, per card
5. Add your agent token and skill file to your agent setup
Then step aside. Your agents don't just work for you anymore. They spend for you.
## Early Access Offer: 30 Free Cards for the First 500 Builders
We are giving our first 500 builders up to **30 FREE cards each** with zero top-up charges.
The autonomous economy is here. Give your agents secure access to money and let them execute.
**Grab your 30 free cards before 500 spots are gone →** [Sign up at cypherhq.io/agent-pay](https://cypherhq.io/agent-pay)
## The Autonomous Economy Is Here
AI agents are no longer a future concept. They are running workflows, managing projects, and operating businesses today. The only thing missing was a way for them to pay.
Cypher Agent Pay is that missing piece. The first payment infrastructure built not for humans to manage AI but for AI to operate independently, securely, and at scale.
Your agents are already working around the clock. Now they can pay around the clock too.
---
Ready to give your AI agents financial autonomy?
[Get started with Cypher Agent Pay](https://cypherhq.io/agent-pay) and claim your 30 free cards today.
### Best Crypto Card for Travel in 2026 (And What Nobody Tells You Before You Go)
URL: https://cypherhq.io/blog/best-crypto-card-for-travel
Date: 2026-04-02
Author: suganya
Tags: guides, travel, crypto-card
> Tired of FX fees and frozen cards abroad? Here's how a crypto card for travel actually works in 2026 and what to look for before you pick one.
You're in Lisbon. It's your third day, and you're standing at a hotel front desk trying to check in after a long-haul flight, when your bank card gets flagged for suspicious activity and declined.
You have ETH. You have USDC. You have assets sitting across four different wallets.
What you don't have is a fast, reliable way to spend those assets in real life.
That's the gap nobody really prepares you for when they tell you crypto is "borderless money." The assets are borderless. The spending infrastructure still very much isn't.
This article is about how to actually fix that, how to choose a crypto card for travel that works in the real world.
## Why Your Crypto Is Useless at a Foreign Checkout Counter
Crypto holders traveling abroad typically run into the same three walls.
**Wall 1: Chain fragmentation.** Your funds aren't in one place. They're on Ethereum, Base, Solana, wherever you were earning yield last quarter. Moving them mid-trip when you're jet-lagged and on hotel Wi-Fi is not how you want to spend an afternoon.
**Wall 2: Traditional card FX fees.** Fall back to your bank card and you're quietly paying 3–5% on every transaction. A two-week trip on a $3,000 budget means you're handing up to $150 to your bank for the privilege of spending your own money in a different country.
**Wall 3: Most merchants don't take crypto directly.** And the ones that do usually support one token, on one chain, with a QR code that may or may not work.
The result is that most crypto holders travel the same way everyone else does with a bank card, paying FX fees.
## What to Actually Look For in a Crypto Card for Travel
Not all crypto cards are built the same. Here's what separates the useful ones from the ones you'll abandon after one trip.
**Multi-chain support.** If a card only works with one or two tokens, you'll be doing manual swaps before every load. That defeats the purpose. Look for cards that pull from wherever your assets actually are.
**Honest fee structure.** Before you commit to any card, find the actual conversion spread and ask what happens to it when markets are volatile.
**Real security controls.** You're traveling. Phones get lost. Cards get skimmed. Here's what actually matters:
- *Freeze and unfreeze instantly:* You don't have to reach any support agents to lock a card, it can be done from your phone in seconds
- *Cancel and reissue on your own card:* If you feel the card has been compromised, you can cancel it and generate a new one yourself, immediately, without contacting anyone
- *Restrict countries:* Block transactions from regions you're not visiting, so a charge from somewhere you've never been gets stopped before it clears
- *Real-time notifications on Telegram:* Every transaction hits your Telegram the moment it happens, so nothing goes unnoticed
**High spend limits that flex with your trip.** Cypher supports up to $50,000 per day and $500,000 per month and you can request higher limits at any time in minutes. Whether you're booking a last-minute flight or paying for a group dinner, you won't hit a ceiling at the worst moment.
**Cashback on every single spend.** Every transaction on your Cypher card earns you cashback automatically, with no activation, no minimum spend, no exceptions. Most crypto cards bury rewards behind tiers or lock them in points. Cypher just gives you money back every time you spend.
**No long-term custody trap.** Some crypto cards require you to open an account and park your assets with the platform indefinitely. That's a custodial relationship which means their insolvency becomes your problem. Look for cards where you load what you need, when you need it, from your own wallet.
## How Cypher Works as a Travel Card
Here's how it works in practice.
You connect your existing wallet, one you already own, with keys only you hold. When you're ready to spend, you load from your crypto holdings across 20+ supported chains. Once loaded, the card works like any other card: tap, swipe, done.
No account with Cypher holding your long-term assets. No custodial relationship. You load what you need for the trip, and the rest stays in your wallet.
- Supported chains include Base, Ethereum, and 20+ others, most users won't need to consolidate before loading
- The card works anywhere standard card networks are accepted, which covers the vast majority of places you'd actually want to spend
## Cypher vs. Other Options for Traveling With Crypto
| | Cypher | Bank Card | Exchange Cards | Wallet Payments |
| -------------------- | ----------------------------- | ------------------ | ----------------- | --------------- |
| **FX Fees** | Competitive spread | 3–5% per transaction | Varies | Low |
| **Custody** | Load from your own wallet | N/A | Long-term custodial | Full self-custody |
| **Chain Support** | 20+ chains | N/A | Platform-specific | Varies |
| **Cashback** | Every spend | Rarely | Sometimes | None |
| **Spend Limits** | Up to $50K/day | Bank-set | Platform-set | None |
| **Security Controls**| Freeze, restrict, cancel anytime | Call your bank | Varies | None |
| **Real-world Usability** | Anywhere cards accepted | Anywhere | Anywhere | Limited |
## Step-by-Step: Using Cypher on Your Next Trip
1. **Download the Cypher app**
2. **Connect your existing wallet** or set one up using just an email address
3. **Complete a quick verification** process
4. **Load your card** from whichever supported assets you want to spend
5. **Set your security controls**
6. **Spend** anywhere cards are accepted, no different from any other card at the counter
## Bottom Line
The best crypto card for travel in 2026 is one that works with your assets where they already are, doesn't trap them in someone else's custody, gives you real control when something goes wrong and puts money back in your pocket every time you spend.
That's what Cypher is built to be. If you're planning a trip and tired of paying FX fees on a bank card, it's worth a look.
**[Get your Cypher card today](https://cypherhq.io/?ref=BLOG_BEST_CRYPTO_CARD_FOR_TRAVEL)**
---
## Frequently Asked Questions
**Can I use a crypto card for travel anywhere in the world?**
Most crypto cards, including Cypher, work anywhere standard VISA cards are accepted. Coverage is excellent in most countries, research card acceptance specifically in cash-heavy destinations before you travel.
**Do crypto travel cards charge FX fees?**
Traditional bank cards typically charge 3–5% in FX fees. Crypto cards have their own conversion spreads, which vary by card and market conditions. Always check the effective rate, not just the headline fee.
**Do I need to convert crypto before using a travel card?**
With Cypher, you load your card from your crypto holdings before spending, so conversion happens at load time. You don't need to manually swap or consolidate assets beforehand across supported chains.
**Is it safe to use a crypto card abroad?**
Yes, particularly with Cypher's built-in controls: instant card freezing, country restrictions, cancel-and-reissue on demand, and real-time Telegram notifications on every transaction. Set these up before you leave, not after something goes wrong.
**Which chains does Cypher support for travel?**
Cypher supports 20+ chains including Base, Ethereum, and others. The full list is in the app.
**Does the Cypher card earn rewards while traveling?**
Yes, all eligible spend earns cashback automatically. No tiers or no minimum spend required.
### How to Avoid Hidden Currency Conversion Fees When Traveling
URL: https://cypherhq.io/blog/avoid-dcc-fees-abroad
Date: 2026-03-02
Author: suganya
Tags: guides, travel, payments
> USD or local currency at checkout? The choice can cost you 5% to 7%. Here's what happens when you choose each option and how to avoid overpaying abroad.
USD or Local Currency?
The Checkout Choice That Can Cost You 5% to 7%
Imagine you're at a cafe in Dubai.
The POS machining shows a pop-up
Pay in USD or AED?
Most crypto card users tap USD without thinking.
It feels logical. Because most of the crypto cards in the market out there is USD-denominated.
So you might think paying in USD must be cheaper.
Right? Not exactly.
In this guide, we'll explain:
- What actually happens when you choose USD
- What happens when you choose local currency
- Where the hidden cost comes from
- How to avoid overpaying
By the end, you'll know exactly which option to choose every time you see the currency selection option
When a terminal or ATM check out and online platform asks you to choose between:
- Your home currency (USD)
- The local currency (like AED)
It's offering something called Dynamic Currency Conversion (DCC).
DCC allows the merchant or ATM to convert the transaction into USD for you on the spot.
It sounds convenient. But convenience often comes at a cost.
## What Happens When You Choose USD Abroad
Let's walk through it.
You're in the UAE. Your purchase is 100 AED.
The real Visa exchange rate might be:
1 USD = 3.67 AED
So 100 AED = $27.25
But when you choose USD:
- The merchant or the ATM operator handles the conversion
- They apply their own exchange rate
- They may add a 5%-7% markup
Instead of $27.25, you might get charged: $28.80, $29.00 Or more
You won't see a "5% fee" line item. It's hidden inside the rate.
This is merchant-side markup. And once it happens, your card issuer usually cannot reverse it.
Your statement looks normal. But you paid more.
## What Happens When You Choose Local Currency Instead
Now let's look at the alternative.
When you choose AED:
- The merchant charges 100 AED
- The transaction goes through Visa
- Visa converts AED to USD
- Your card issuer applies its transparent forex rate
This is usually:
- Cheaper
- Closer to market rates
- More predictable
Even if your issuer charges a small forex fee (for example 1%), it's often still lower than the merchant's 5% markup.
## What Is a Forex Fee?
A forex fee is a small percentage your card issuer charges for converting currencies.
Example:
100 AED converts to $27.25
If your forex fee is 1%:
1% of $27.25 = $0.27
Total = $27.52
Compare that to paying $29 via merchant conversion. That's the difference.
## Why Most Crypto Card Users Choose USD
It's psychological. Most crypto cards are USD-based.
So users assume choosing USD refers fewer conversions
But that's not how global card networks work.
When you choose local currency:
- Visa handles conversion at network rates
- Your issuer processes settlement
When you choose USD: The merchant controls the rate. That's the key difference.
Here are some examples that might appear on the ATM or card terminal screen?
 
## When Should You Choose USD?
Only when you are actually in the United States.
If you're outside the US and the terminal asks: USD or Local Currency?
Always choose Local Currency.
## How Cypher Protects You
At Cypher, we believe payment transparency matters.
When you choose local currency:
- We apply transparent forex rates
- No hidden merchant markups
- No surprise pricing
We've also added transaction tagging to help you identify potential DCC based overcharges.
So you stay informed. And you keep more of your money.
## The Bottom Line
Dynamic Currency Conversion isn't evil.
It's just expensive. If you're spending abroad:
- ✓ Choose local currency
- ✓ Let Visa handle the conversion
- ✓ Let your issuer apply transparent forex
- ✓ Avoid merchant markups
One tap at checkout can cost you 5%. Now you know which one to choose.
## Take Control of Your FX
With Cypher, you don't just spend crypto.
You spend smarter.
- Transparent forex rates
- No hidden markups
- Clear transaction tagging
- Full visibility into what you're paying
Because your money should work for you, not against you.
If you travel, shop internationally, or withdraw cash abroad, this matters.
[Download Cypher](https://cypherhq.io/?ref=BLOG_AVOID_DCC_FEES_ABROAD) today and start spending globally the smarter way.
### Cypher: Building the Future of Onchain Payments on Base
URL: https://cypherhq.io/blog/building-on-base
Date: 2026-02-09
Author: suganya
Tags: base, partnerships
> Cypher is building the infrastructure that makes digital assets truly usable — not just tradable. From seamless everyday spending to community-driven rewards, here's what we're building on Base.
Digital assets promised a better kind of finance, one that's open, efficient, and built for everyone.
But even for the most crypto-native users, using digital assets in everyday life is still harder than it should be.
Hundreds of blockchains.
Thousands of assets.
All locked behind complex bridges, swaps, and fragmented interfaces.
Despite years of progress, the onchain experience still lacks one thing traditional finance gets right: simple, effortless spending.
You shouldn't need a PhD to spend your own money.
That's the problem Cypher is here to fix.
## Making Digital Assets Usable in Everyday Life
Cypher is building the infrastructure that makes digital assets truly usable — and not just tradable.
At its core, Cypher is designed around a non-custodial architecture, meaning users always retain control of their private keys and assets. There's no trade-off between ownership and usability.
With the Cypher Card, users can seamlessly convert supported digital assets into fiat at the point of payment, enabling everyday spending anywhere cards are accepted.
Everything stays unified in one experience:
- Multi-chain support, including Base
- Support for a wide range of digital assets
- Rewards on every spend
- A premium metal card designed for daily use
The goal isn't just to support crypto — it's to make spending crypto feel natural.
## Security and Convenience Are Defaults, Not Features
In traditional finance, control often comes at the cost of flexibility. In crypto, flexibility often comes at the cost of safety.
Cypher is designed so users don't have to choose.
Built-in card controls allow users to manage risk in real time:
- Lock or unlock the card instantly
- Block spending from specific countries
- Activate Lockdown Mode to freeze all card activity immediately
Security and convenience aren't optional add-ons. They're part of the foundation.
## Beyond Payments: Redefining Rewards
A seamless onchain spending experience is just the beginning.
Cypher is also rethinking how rewards and loyalty programs should work in a decentralized world.
Traditional rewards systems are opaque. Decisions are made behind closed doors, users have little visibility, and value often flows one way — toward issuers and intermediaries.
Cypher takes a different approach.
## Cypher Rewards Protocol
Cypher Rewards Protocol introduces a transparent, community-driven model where users help decide how rewards are distributed.
Instead of issuers choosing which merchants benefit the most, the community participates directly through an onchain governance process.
### How it works
**Community Voting**
Cypher community members vote on which merchants should receive higher reward allocations.
**Increased Spending**
Merchants that receive more votes can offer better rewards, driving higher engagement from users.
**Healthy Competition**
To earn votes, merchants compete by offering exclusive perks, discounts, or special campaigns for Cypher users.
**Universal Participation**
Even non-card holders can participate in voting, helping create a more inclusive and global rewards network.
**Network Growth**
Users grow the ecosystem by inviting others and are rewarded for contributing to Cypher's expansion.
### The Rewards Flywheel Effect
The protocol creates a self-reinforcing cycle:
1. The community decides which merchants earn higher rewards
2. Merchants compete by offering more attractive incentives
3. Cypher Card users spend more to unlock greater value
4. Participation and referrals expand the network
5. The ecosystem grows stronger with every cycle
As the network grows, rewards become more meaningful — not because of hidden algorithms, but because the community actively shapes them.
## The Road Ahead for Onchain Payments
The global digital banking market is growing rapidly, and a new wave of onchain payment innovation is emerging on Base.
Over the past four years, Cypher has processed transactions from users across more than 100 countries, demonstrating strong product-market fit and real-world usage.
Supported by leading innovators and ecosystem contributors, Cypher shares a simple mission:
make digital spending feel effortless, global, and community-owned.
We're building the bridge that makes onchain payments feel as seamless as sending a message.
Crypto doesn't need to be complex.
It just needs to work for everyone, everywhere.
That's what Cypher is here for.
---
Ready to experience onchain spending without the complexity?
[Create your Cypher account](https://cypherhq.io/?ref=BLOG_BULDING_ON_BASE) and start spending onchain in minutes.
### Hello, World
URL: https://cypherhq.io/blog/hello-world
Date: 2026-02-06
Author: cypher-team
Tags: announcement
> We started a blog. Here's why and what to expect.
## gm
We built a card that lets you spend crypto anywhere. Now we're starting a blog to talk about what we're building and why.
No fluff. Expect product updates, the occasional guide, and honest takes on where crypto payments are headed.
We'll share details here as things ship.
## Follow along
- [X/Twitter](https://x.com/Cypher_HQ_)
- [Discord](https://discord.gg/ZqeSGmJgWF)
- [Telegram](https://t.me/CypherHQBot)
- [RSS](/blog/rss.xml)
That's it. More soon.