CoinsOnCards

    Ready CardReview

    Self-custodial Mastercard debit card that spends USDC from a user's wallet at transaction time.

    4.5· Updated: June 2025: Argent rebranded to Ready
    Visit issuer
    Cashback
    Up to 6.0%
    Custody
    self_custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Self-custody advocates in the UK/EEA seeking up to 3% STRK cashback.

    Skip if: You live outside the UK/EEA or need to spend assets other than USDC.

    • Metal card's 120 USDC fee is offset by 3% STRK cashback.
    • True self-custodial model means Ready never holds your funds.
    Get the Ready Card

    How it works

    • ## Features
    • * **Card Material**: Premium 16g metal (Gold or Platinum) or standard plastic.
    • * **Spending Currencies**: Supports USDC and USDC.e only.
    • * **Top-Up Method**: No pre-loading required; funds are deducted directly from the user's self-custodial wallet at the moment of purchase.
    • * **Banking Integration**: Provides virtual account details (IBAN/BIC in EU, sort code/account number in UK) for direct bank deposits, which are automatically converted to USDC.
    • * **Loan Product**: Allows users to borrow USDC against their Bitcoin holdings to spend with the card.
    • * **Partner Perks (Metal Card only)**: Includes free Layerswap bridging (up to $100/month), and discounts on services like Ramp, Nansen, Koinly, and NordVPN.

    Funding: Crypto (USDC/USDC.e from self-custodial wallet) · Bank transfer (SEPA/UK Faster Payments)

    Rewards calculator

    Estimated cashback
    $60
    Effective rate 3.0%
    • $0–$5,000 @ 3.0% → $60 on $2,000

    Fees

    BankingSEPA: true · IBAN: true · Direct deposit: true · Virtual accounts: true · Virtual account details provided for each user (IBAN/BIC in the EU, sort code/account number in the UK). Automatic conversion of bank deposits to USDC for immediate card spending. SEPA and UK Faster Payments support for instant funding.

    Borrowing terms

    BTC Loan Product - borrow USDC against Bitcoin holdings as collateral, use borrowed USDC directly with Ready card for spending, maintain exposure to Bitcoin price appreciation while accessing liquidity

    Allows Bitcoin holders to spend without liquidating their cryptocurrency positions

    Custody & risk

    • If the issuer disappears
      If the provider were to cease operations, users would retain full access to their assets in their self-custodial wallet.
    • Market risk
      Cashback rewards paid in STRK tokens which are subject to price volatility

    Users retain full control of their private keys at all times. Funds remain in the user's wallet until the moment of a transaction, which is authorized via a smart contract session key. Ready never holds or controls user funds.

    Protections

    • Self-custody model - Ready never holds or controls user funds
    • Smart contract session key permissions enable card transactions while maintaining user control
    • Instant card freeze/unfreeze via Ready Mobile app
    • PIN-protected transactions
    • Biometric protection for viewing card details
    • Delayed transaction settlement enhances privacy
    • Transaction notifications and activity monitoring
    • Social recovery without seed phrases

    Limits

    notes
    Transactions simply decline if there are insufficient funds. No overdraft fees.
    atm daily
    $500
    atm annual
    $30,000
    atm monthly
    $2,500
    daily spending
    $10,000
    per transaction
    $5,000
    monthly spending
    $30,000 rolling 30-day limit (can be increased via support)

    The good

    • Up to 6% cashback with random boosts.
    • Global usage via Mastercard-network.
    • Borrow USDC against BTC for spending.

    The catches

    • 120 USDC annual fee for Metal card.
    • Only supports USDC/USDC.e for spending.
    • Cashback capped at $150 monthly.
    • No Apple Pay support at launch.

    Limitations

    • moderate120 USDC annual fee for Metal card paid upfront
    • moderateCurrently only supports USDC/USDC.e for spending
    • moderateAvailable for ordering only in UK and EEA
    • minorMaximum 30-day spending limit of $30,000 (can be increased via support)
    • minorCashback rewards capped at $150/month
    • minorAutomatic refunds not supported - refunds applied against future card spending unless manual refund requested
    • minorApple Pay not yet available (coming soon)
    • minorCashback paid in volatile STRK tokens

    Recent activity

    • June 24, 2025
      Argent is now called Ready
      Argent rebranded to Ready
    • May 21, 2025
      Argent introduces the Lite card
      Introduction of the Lite card tier

    What users say

    App Store
    4.5/5.0 (254 ratings)
    Google Play
    4.2/5.0 (6,865 ratings)

    Positive early reception for seamless spending experience and self-custody model. Metal card users appreciate premium feel of physical card.

    Rating breakdown

    Net reward
    4.8
    Custody risk
    5.0
    Availability
    4.5
    User experience
    4.2
    Features & convenience
    3.3

    See our methodology for how we score each axis.