Brighty Card
Brighty
- Cashback
- No card cashback · Up to 10.41% APY via separate Earning Vaultsin USDC, XTZ, EURC, ADA, ETH (via Earning Vaults, not card)
- Monthly fee
- $0
- FX / conversion
- Zero fees for spending
- Issuance
- Free
- Card type
- virtual
Eligibility & KYC — who can get it
◐ Issued only in selected regionsIssued to residents / citizens of:
Official Brighty FAQ 'Where can I use the Brighty App?' (help.brighty.app): 'Currently, the Brighty App is available in: the EU, EEA as well as Montenegro, Andorra, Switzerland, Liechtenstein, San Marino, Monaco and Moldova.' Services are provided by licensed partners and 'availability of services may vary by jurisdiction'.
Issuer’s markets: 27+ countries · EUR/GBP/USD via SEPA, Faster Payments, FedWire/SWIFT
Where you can pay
✓ Worldwide — anywhere Mastercard is acceptedOfficial brighty.app: "Spend globally with zero fees" / "Powered by Mastercard." The "27+ countries" figure and "Availability of services may vary by jurisdiction" refer to issuance eligibility, not where the card can be spent.
Cashback details
The "up to 10% APY" is from separate Earning Vaults (DeFi savings product), NOT the card. Vault rates: USDC 10.41%, XTZ 5.13%, EURC 5.13%, ADA 3.05%, ETH 1.511%. Card itself has zero spending fees. Multiple card products: main Mastercard, TON card, NPC Visa card. 27+ countries (EEA for TON/NPC).
Spend from
ETH, BTC, USDC, EURC, XTZ, ADA, GRAM (TON), NPC
Verification procedure
Required (compliance/KYT, proof-of-reserves)
AI subscriptions
Virtual card works for online subscriptions including AI services.
Good to know
Named IBANs (EUR/USD/GBP). Earning vaults up to 10% APY (DeFi). Fireblocks custody. Instant transfers. Special TON card & NPC card products. Apple Pay, Google Pay. Free deposits via SEPA, Faster Payments, FedWire.
Referral program
referrer-only program
Conditions: Affiliate program listed but specific rates not published.
Claim bonus ↗
