VaultLeap
VaultLeap is a small, new account that turns incoming USD, EUR and wire payments into USDC and lets you spend it with a prepaid Visa debit card from Lead Bank. The card and account cost nothing to hold, and VaultLeap adds no markup to the partner's FX rate.
- Visa
- KYC required
- Custodial
Good
- No fee to hold the card and no monthly fee
- Low FX: no VaultLeap markup on the partner's rate of about 0.5%
- USD (ACH), EUR (SEPA IBAN) and wire accounts that convert to USDC
- Issued by a US bank (Lead Bank)
Watch out
- Very small and new (launched June 2026)
- No published ATM terms, limits or card format
- Transfer fees on the free plan (0.75%)
- Card limited to the US and some Latin American and African countries
Key facts
- Cashback
- 0%no cashback
- Annual fee
- Free
- FX fee
- About 0.5% (partner pass-through)
Rewards
| Cashback | 0% (no cashback) |
|---|---|
| Referral | 1,000 points per referral plus 1 point per $1 your friend spends. |
| Points | Points decide your plan (refreshed every 30 days); card activation gives 5,000 points. |
Fees, limits and card details
| Monthly fee | Free |
|---|---|
| Annual fee | FreeNo fee to hold the card |
| Foreign currency (FX) | About 0.5% (partner pass-through)No VaultLeap markup and no VaultLeap international fee |
| Withdrawal | Transfers 0.75% on StandardPro 0.45%; Zero 0% up to $40K a month, then 0.55% |
- "Fees may apply" per the cardholder agreement.
| Provider | VaultLeap, with Bridge Ventures (programme manager) and Lead Bank (issuer) |
|---|---|
| Network | Visa |
| Card type | PrepaidPrepaid debit. |
| Custody | CustodialNot a bank and not FDIC-insured. |
| Currencies | USD |
| Issuer | Lead Bank |
| Programme manager | Bridge Ventures |
| IBAN account | Yes |
| Launched | June 2026 |
| Required | KYC required |
|---|
- "Strict AML and KYC"; the steps are not described. 18 or older; the card is ordered from the dashboard after verification.
Official links
Availability
Available (1)
United States
Other countries are unknown: the provider does not publish a full list.
Provider's claim: 27 countries: the US and some Latin American and African countries.
The countries outside the US are not named.
Supported cryptocurrencies
- USDC
Bank and card top-ups
ACH (USD), SEPA (EUR IBAN), Wire.
- Incoming money converts to USDC automatically; the card spends USDC. Virtual accounts in 60+ countries.
Plans
| Standardrated planFree (0 points) | Pro$14.99 a month or $1K+ a month card spend | Zero$4K+ a month card spend | |
|---|---|---|---|
| Transfer fee | 0.75% | 0.45% | 0% up to $40K a month ($60K after a 3-month streak), then 0.55% |
Standardrated plan
Free (0 points)
- Transfer fee
- 0.75%
Pro
$14.99 a month or $1K+ a month card spend
- Transfer fee
- 0.45%
Zero
$4K+ a month card spend
- Transfer fee
- 0% up to $40K a month ($60K after a 3-month streak), then 0.55%
Community review
Our rating
2.8 out of 10
| Criterion | Weight | Score | Points |
|---|---|---|---|
| Fees | 28% | 4.5 | 1.26 |
| Cheapest cardUnknown | 20% | 2.0 | |
| Yearly cost$0 | 20% | 10.0 | |
| Top-up costUnknown | 20% | 2.0 | |
| Cost per purchaseUnknown | 15% | 2.0 | |
| FX cost0.5% | 15% | 7.8 | |
| ATM costUnknown | 10% | 2.0 | |
| Rewards | 18% | 0.0 | 0.00 |
| Cashback at $1,000 a month0% | 75% | 0.0 | |
| Reward currencyNo cashback | 15% | 0.0 | |
| Perks0 | 10% | 0.0 | |
| Availability | 14% | 1.3 | 0.18 |
| Countries1 countries | 70% | 1.0 | |
| Apple Pay and Google PayUnknown | 30% | 2.0 | |
| Limits | 7% | 2.0 | 0.14 |
| Spending capacity a dayUnknown | 70% | 2.0 | |
| Cash a dayUnknown | 30% | 2.0 | |
| Custody | 7% | 3.0 | 0.21 |
| Track record | 7% | 5.0 | 0.35 |
| Age4 months | 50% | 0.0 | |
| IssuerNamed | 30% | 10.0 | |
| IncidentsNone | 20% | 10.0 | |
| Data completeness | 6% | 5.0 | 0.30 |
| KYC and privacy | 5% | 4.0 | 0.20 |
| Networks and coins | 5% | 1.0 | 0.05 |
| NetworksUnknown | 50% | 2.0 | |
| Coins1 | 50% | 0.0 | |
| App ratings | 3% | 2.0 | 0.06 |
| Total | 100% | 2.75 = 2.8 |
Each criterion is scored 0 to 10, rounded to 0.1, then multiplied by its weight. Unknown values score 2.
Questions
How much does the VaultLeap card cost?
Annual fee: Free.
Does VaultLeap pay cashback?
No, VaultLeap does not pay cashback. Points decide your plan (refreshed every 30 days); card activation gives 5,000 points.
Does VaultLeap require KYC?
Yes, VaultLeap requires identity verification before you get the card. "Strict AML and KYC"; the steps are not described. 18 or older; the card is ordered from the dashboard after verification.
Is VaultLeap available in the US?
Yes, VaultLeap is available in the US.
Which coins and networks can I use to top up VaultLeap?
Coins: USDC.
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Before you order
The Order card button is an affiliate link: we may earn a commission if you sign up. It does not change the rating or the order of the catalog.
This page is not financial advice. Terms change often; check fees, limits and availability with the provider before you order.
How we rate cards: methodology. How we earn money: affiliate disclosure.
Sources
- Official website, help centre and pricing
- PaymentScan
Figures are taken from these sources in this order of priority: the provider's own pages, then DefiLlama, then other reviews, then Telegram reports.