The Tarjeta Cripto Fluyez card, a Visa that spends your crypto across Latin America

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

If you live in Latin America and hold Bitcoin, USDT or ETH, the Tarjeta Cripto Fluyez is built around a simple idea: load crypto, get a Visa number in minutes, pay anywhere Visa is taken, and let the platform convert at the moment of payment. The proposition sounds tidy, but a lot of the small print is not public yet, and that matters when a card is your everyday way to spend. This review walks through what is confirmed on the issuer’s own pages, what is not, where the card fits next to alternatives such as Young Card, MSX and the Bybit Card, and what to check before you load it with anything you cannot afford to lose.

Conditions are current as of October 28, 2026.

Verdict

The card earns 5.5 out of 10 in this review. The product targets a real gap, paying from crypto in countries where banking access for the unbanked or under-banked is patchy, and it pairs a Visa number with a Peruvian platform that is already registered as a virtual asset provider. But the public information is thin in the exact places a cardholder cares about: card fees, ATM costs, the issuer behind the Visa, top-up networks and daily limits are all unstated. Until those numbers land in a written schedule, anyone using the card is taking the platform on trust.

Who it suits

You are a Peruvian or Latin American crypto holder who already keeps balances on Fluyez, wants a Visa number for everyday spending rather than for swapping crypto for cash, and is comfortable with a virtual card and mobile wallets. You also do not need a physical card at an ATM, and you do not need detailed reward economics.

Who it does not suit

You live outside Latin America, want a physical card with a clear schedule of fees and limits, expect a published cashback or rewards program, or you are the kind of user who reads the small print before loading funds. If any of those describe you, the alternatives section later in this review is more useful than this card.

Score table

Will they give you the card

The eligibility story is short. The official pages describe availability as “Disponible en Latinoamérica” and “Toda Latinoamérica”, and add that it “Funciona en Perú y toda Latinoamérica sin restricciones”. The card works wherever Visa is accepted at the point of sale. That is the geographic picture, and it is the only geographic picture: the issuer does not publish a country list, citizenship rules, residency rules, or age and address criteria beyond what the sign-up flow asks you. Proof of address and minimum age are not stated on the public pages. If you sit outside Latin America or you want to confirm that your specific country is included, the only safe route is to start the in-app process and see what the platform actually accepts.

What the page does say is that the card sits behind a standard identity check, the same check you would expect on a regulated crypto platform. You upload an identity document, complete a facial verification step, and the platform says registration “toma menos de 2 minutos” and activation is “Inmediata (menos de 10 min)”. Levels, review time, the documents accepted in each country, and the reasons an application can be rejected are not stated. If you have been declined by a bank or a card programme before, or you are dual-national, treat the published “toda Latinoamérica” claim as a marketing line until you have personally completed the in-app flow.

There is also a subtle point worth raising here. A card that says “Latin America” in one sentence and “Perú y toda Latinoamérica” in the next is, in practice, anchored to the regulator that licences it. The platform behind it, Fluyez Digital Investments S.A.C., is registered with Peru’s Superintendencia de Banca y Seguros as a virtual asset service provider, under Resolución N° 02568-2021. That is a real registration, but it is a Peruvian one. If you are in Brazil, Mexico, Argentina, Chile or Colombia, the card can still work for you, yet the entity holding your data and your funds is a Peruvian company, and the issuer of the Visa is not named. That is the kind of detail that matters when something goes wrong, and we will come back to it under risks.

How to get it

The sign-up path is built to be quick, and that is genuinely one of the card’s strengths. Registration on the platform takes under two minutes, identity verification is described as immediate, and once your account is verified you request a virtual Visa from inside the app and activate it in under ten minutes. There is no delivery step, because what you get is a virtual card, a card number, an expiry date and a CVV, surfaced in the app and ready to use online or in a mobile wallet. The public page also mentions a physical card in its structured data (“tarjeta física y virtual”), but a physical version is not confirmed in the visible text and no shipping or production timeline is published, so for now plan around the virtual card.

Two practical things to do during sign-up that you will thank yourself for later:

• Use a real, current phone number for two-factor codes. The platform supports 2FA and the card is approved per transaction with biometrics, so losing access to that number is more painful than usual.
• Set a strong app password and turn on the in-app card block switch the moment the card activates. The page says you can block and unblock the card from the app and that each transaction is confirmed with biometrics, so a stolen phone does not automatically mean a drained card, but only if those features are on.

The sign-up is also where the limitations of the public information start to bite. The card is a “Visa Virtual” in the official comparison table, but the card’s billing currency is not stated, and the platform as a whole handles PEN and USD. If you are paying in BRL, MXN, ARS or COP at a foreign merchant, the question of which currency the card is denominated in, and therefore which fee applies, is not answered by the public pages.

What it really costs

The cost picture is the part of this card I would most like to see in writing, because right now it is half-stated and the unstated half is exactly the part a cardholder needs. The platform says the card has “Sin costos ni mantenimiento si llegas al monto mínimo de uso”, so no cost and no maintenance fee, provided you reach a minimum monthly use. The minimum itself is not specified. Issuance fee is not stated. The platform also says “Las comisiones dependen del tipo de operación”, which is honest but useless for budgeting, and adds that the Fluyez platform itself charges a 1% commission per operation on the platform side. For card-specific fees, ATM fees, FX mark-up on foreign-currency purchases, and the daily and monthly limits, the public page does not give you a number. In the comparison table on the official site the 2% ATM figure shown next to this card actually belongs to Binance Card and Lemon Card, not to Fluyez.

Cost summary

So what does this mean when you pay? Three everyday situations help make the gap concrete.

Paying for a coffee in Lima with a USDT balance. The platform sells the USDT equivalent of your coffee at the moment of payment and credits the local-currency equivalent to the merchant. The 1% platform commission applies on the crypto side. The Visa leg of the transaction is a domestic payment in PEN, so the card-level FX fee would not be in play. There is no published card conversion fee, but no published fee cap either, so the platform commission is the only number you can rely on.

Buying a streaming subscription in USD from a Lima IP address. The platform first converts your USDT or BTC to whatever the card’s billing currency is, which the platform does not state. If the card bills in USD, you take the platform commission on the conversion and avoid an FX fee. If the card bills in PEN, you take the platform commission and then a Visa-level FX conversion when the merchant charges in USD. The size of that second hit is the unstated card FX fee. This is exactly the case where the absence of a published fee schedule turns a small subscription into an unknown surcharge.

Withdrawing cash at an ATM. The card-level ATM fee is not stated, the platform’s bank withdrawal fee is a flat $5 below $500 and 1% from $500 with a $6 minimum, and that is the platform’s fee, not a Visa ATM fee. Until the card’s ATM policy is published, treat ATM cash as a feature to test with the smallest bill possible.

The honest summary: until the issuer publishes a fee schedule, the only number you can plan around is the platform’s 1% per operation. Treat every other line in the costs table as a fee that may exist and may not, and budget for the worse of the two.

How to top it up: Top up

Top-up works the way you would expect from a platform that holds both your crypto and your card balance. You deposit Bitcoin, USDT or ETH, or “otras criptomonedas disponibles”, into the platform, and at the moment of payment the equivalent crypto balance is deducted and converted to fiat, which the card then spends. The networks on which those deposits are accepted are not stated. That detail is not cosmetic. USDT and USDC live on a dozen networks, sending USDT on a network the platform does not support, or to an address belonging to a different network, can mean lost funds or a slow manual recovery with no guarantee of return. Until the platform publishes a network list per asset, the only safe move is to test with a small amount first, watch it land, and only then send a normal-sized top-up.

A few points worth knowing about the funding flow that the page does make clear:

• Funding starts on the platform, not on the card. You are topping up the Fluyez platform balance, and the card spends from that balance. If the card is closed, your crypto balance is still there.
• The platform also handles bank deposits in PEN and USD, and those bank deposits are free, with a $1 minimum. Buying crypto on the platform with a card costs 4.65% and is capped at $5,000 per day. Card top-up from crypto, the path the card is built for, has no stated fee.
• Bank withdrawal from the platform, which is how you get fiat back out, costs $5 flat under $500, then 1% from $500 with a $6 minimum, and clears in up to 24 hours. A card-level refund or balance return is not stated.

The practical order for a first top-up, then, is: install the app, complete identity verification, send a small test amount of USDT on the network the app gives you, wait for the credit, then top up the working amount. If the app does not tell you the network, that itself is a signal to contact support before going further.

Paying with it every day

Once loaded, the card behaves like any other Visa. You get a number, an expiry and a CVV, you can store it in Apple Pay or Google Wallet, and you tap to pay. The page confirms Apple Pay and Google Wallet support. The page does not publish a list of blocked merchant categories, which means gambling, adult content, crypto purchases and other categories are blocked or open at the issuer’s discretion, and the cardholder has to discover the policy by trying. There is no published rewards, cashback or points programme, and no programme is mentioned in the comparison table. If you are choosing between this card and a card that pays you back 1% to 10% in stablecoins, that is a real difference over a year of normal spending.

In-app, the iOS App Store listing for the platform shows a 3.7 rating from three ratings, read on 2026-10-21, and the Google Play listing is marked “Próximamente”, so Android users in some regions may not have a native app to download yet. The app is the place you go to approve each transaction with biometrics, freeze and unfreeze the card, view real-time notifications, and use the tokenised mobile wallet. Disputes, the process for a wrong charge or a merchant that does not deliver, are not stated in the public materials. If a charge goes wrong, the only stated path is support, with full Spanish coverage 24/7, a Peru phone and WhatsApp number, and the email [email protected].

A few small things that bite in real use:

• Prepaid-style cards of this kind can be declined at online merchants that screen for foreign-issued BIN ranges, even when the merchant is happy to take Visa. The card’s billing currency being unstated makes this harder to predict.
• A 3-D Secure challenge can be frictionless or can ask you to confirm with a one-time code or a biometric prompt. The platform says each transaction is approved in the app with biometrics, which lines up with that flow.
• A failed authorisation can leave a hold on funds for several days, even when the charge never goes through. Plan a buffer rather than spending the balance to the last cent.

What can go wrong

The good news is that the public record is quiet. I looked for official incidents and there are none. A search for Fluyez card reviews and complaints returned nothing about Fluyez. Trustpilot shows only nine five-star reviews, all from August 2021, with no reviews in the last twelve months, and the page is a 4.3. That is a thin sample, but it is also not a sample of complaints, and the lack of recent reviews is a feature of a product that was, in January 2026, still preparing for public launch.

The company behind the card is Fluyez Digital Investments S.A.C., a Peruvian entity, registered with the Superintendencia de Banca y Seguros as a virtual asset service provider under Resolución N° 02568-2021, and not a bank. The Spanish exchange Bit2Me acquired a stake in Fluyez, with the site mentioning one million euros and news coverage dated July 2022. The card issuer, the bank or e-money institution that actually holds the Visa programme, is not named, and a partnership with Visa has been announced. Until that issuer is named and its regulator identified, the card sits in a grey zone: the platform is regulated, the card programme partner is not visible.

A few risks that come with that, worth taking seriously:

• Custody and platform risk. When you deposit crypto on the platform to fund the card, the platform holds the keys. The custody model is not stated. A card that pays from your own self-custody wallet would shift that risk back to you. A card that pays from a platform balance makes the platform your custodian, and the same applies to the card balance the platform keeps in fiat.
• Programme risk. Card networks can suspend a programme. Visa terminated its global agreements with FTX in November 2022 and the FTX US debit card was wound down by its issuer, and in 2018 Visa suspended WaveCrest in Europe and closed every WaveCrest-issued Visa programme. A new, small, regional programme carries more of that risk than an established one.
• Stablecoin and network risk. USDT and USDC are not the same as cash. The two together hold about 90% of the stablecoin market, both have temporarily lost their peg, transfers are irreversible, and Circle stopped supporting USDC on Tron in February 2024. A USDC-TRC20 deposit is not a native option, and a wrong-network deposit can be lost.
• Sanctions and identity risk. Card programmes screen nationality as well as residence. If you are a citizen of a country the issuer does not serve, even living elsewhere, the card may be closed. The card does not publish citizenship rules, which makes this a risk you can only test by signing up.
• Operational risk. The only public contact channels are the in-app support, the Peru phone and WhatsApp number, and the [email protected] email. A 24/7 Spanish line is a real commitment, but it is one line in one time zone.

What to take instead

If the gaps in this card’s public information are deal-breakers for you, the alternatives below are worth a look. None of them is a perfect substitute, because the Fluyez card’s strongest feature is its Latin American positioning, but each one trades a different set of compromises.

Young Card

A prepaid-style crypto card that pays cashback in its own YNG token. The reward rate is set by a Club tier. Essential holders get 0.1% back, Gold holders get 1.8%, Platinum holders get 3.6%, and the rates for Bronze and Silver are not stated. The card’s availability, fees, funding and the card type are not stated on a public page, so the rewards story is the part you can plan around. If you want crypto cashback and you are happy to dig into the rest in-app, Young Card is a more rewarding route than Fluyez at the cost of less transparency on the basics. Score: 5.7 / 10.

MSX

A more general crypto services platform with a card on top. The public page I could read does not state who can get the card, what the card is, what it costs, or how it is funded, so the score reflects a real product with a thin public surface. If you already have an MSX account and use the platform for other services, the card may be worth investigating; if you do not, treat the published material as a starting point for the in-app flow rather than as a complete picture. Score: 6.4 / 10.

Bybit Card

The most fully documented option, and the one I would look at first if transparency is your top priority. The card is offered across a long list of regions that explicitly includes Peru, alongside Argentina, the AIFC in Kazakhstan, Georgia, Kazakhstan, Australia, Mexico, Brazil and Asia Pacific, and Bybit’s help centre says the application asks for country of residence and will register your interest if your country is not supported. The card is explicitly not for European Economic Area customers, and Bybit’s fiat-service restricted list, which covers deposits, withdrawals and One-Click Buy but not the card as such, includes Belarus, Russia, Serbia, China and the United States. The card type varies by region: Argentina Mastercard prepaid, AIFC, Georgia, Kazakhstan, Australia and Mexico Mastercard credit, Brazil and Peru Visa prepaid, Asia Pacific Visa credit, with card currency in USD for most regions, ARS in Argentina, MXN in Mexico, BRL in Brazil and PEN or USD in Peru. Validity ranges from three years in most regions to six years in Argentina and five years in Brazil, Mexico and Peru.

Costs are published. Virtual card issuance is free in every region “until further notice”, there is no annual or cancellation fee, and physical card issuance is free for VIPs in Australia, Kazakhstan (AIFC), Georgia and Asia Pacific, with paid issuance in the other regions, USD 29.99 in Australia, USD 5 or USDT 5 in Argentina, USDT 29.99 in Georgia and Kazakhstan, and USDT 5 in Asia Pacific. Brazil and Mexico have no issuance fee. Crypto conversion is 0.9% over the One-Click Sell rate in most regions and 0.5% in Argentina, FX mark-up is 2% on top of the network rate in most regions, 7% in Argentina, 1.5% in Brazil and 1% in Peru, with FX padding that is 0% in some regions and 5% in Argentina, with the excess refunded. Argentina has its own tax stack: 21% VAT on foreign digital services, 30% tax on foreign transactions and provincial gross-income tax from 1% to 13.2%.

The card has no balance of its own. It draws on the Funding Account and a Flexible Easy Earn balance, fiat first, and only sells crypto when fiat runs out, at the One-Click Sell rate plus the conversion fee. Supported coins are BTC, ETH, XRP, USDT, USDC and GRAM, with a default spending priority you can reorder in the Card Dashboard.

The rewards programme is the most generous of the four cards here, but it is also the most conditional. From 2026-10-05 10:00 UTC, only crypto-funded transactions earn points or cashback. The tiers are Base 2.00% with a 5 USD monthly cap and no minimum spend, Beta 2% with a 50 USD cap and 500 USD minimum, Alpha 4% with a 150 USD cap and 3,500 USD minimum, Apex 6% with a 250 USD cap and 9,500 USD minimum, Omega 8% with a 400 USD cap and 12,500 USD minimum, and Infinite 10% with a 600 USD cap and 25,000 USD minimum, with VIP tiers unlocking the higher rates. Points are pending for four calendar days, cashback is paid in USDT, and Pay Later instalments pay an extra 1%. There is a 10% welcome cashback up to 110 USDT in the first 30 days, a 100% cashback offer on subscriptions for VIPs and Alpha and above, and a referral bonus of 20 USDT for the referrer and 10 USDT for the referee. Score: 6.0 / 10.

If you live in Latin America and want a card with a published fee schedule, a real rewards programme, and Peru explicitly listed, the Bybit Card is the closest direct comparison. The trade-off is that Bybit is a global exchange rather than a regional platform, and the card programme’s rules are more elaborate than Fluyez’s.

Who I would recommend it to

The honest recommendation is narrow. The Tarjeta Cripto Fluyez is a reasonable fit for a Peruvian or Latin American user who already keeps crypto on the platform, wants a virtual Visa for everyday online and in-store spending, is happy with Apple Pay or Google Wallet, and is comfortable that a number of important details, card fees, ATM fees, FX mark-up, daily and monthly limits, card issuer, networks per crypto, are not published today. For that user, the card is a fast, mobile-first way to turn USDT into a Lima taxi, a Netflix subscription or a Mercado Libre order, and the 1% platform commission is the only number that is genuinely required to plan around.

It is not a fit for a user who wants a physical card, who needs to budget a year of spending to the cent on a known fee schedule, who expects a cashback or points programme, who lives outside Latin America, or who needs a card tied to a self-custody wallet rather than a platform balance. For any of those cases, the alternatives section above is the better starting point.

A practical shortlist before you load any meaningful amount:

• Check the in-app fees and limits yourself, since the public pages do not state them, and screenshot what you see.
• Test top-up with a small amount on the network the app gives you, then scale up.
• Turn on 2FA, biometrics for transaction approval, and the in-app card block switch before first use.
• Keep enough of your balance outside the platform to cover a sudden programme closure, the way you would for any prepaid card.
• Read the latest terms inside the app, because this is a product that was, in January 2026, still preparing for public launch, and the public schedule is likely to be updated.

Frequently asked questions

What is the Tarjeta Cripto Fluyez card?

The Tarjeta Cripto Fluyez is a Visa virtual card tied to a Peruvian crypto platform, registered with Peru’s SBS as a virtual asset service provider. You load Bitcoin, USDT or ETH, the platform converts at the moment of payment, and the card spends local currency wherever Visa is taken.

How does the Tarjeta Cripto Fluyez card work?

You complete identity verification on the platform, request a virtual Visa in the app, and the card activates in under ten minutes. At each payment the platform sells the equivalent crypto balance and credits fiat to the merchant, and the platform charges a 1% commission on that operation.

Is Tarjeta Cripto Fluyez a bank?

No. Fluyez Digital Investments S.A.C. is a Peruvian company registered with the Superintendencia de Banca y Seguros as a virtual asset service provider under Resolución N° 02568-2021, not as a bank. The Visa card issuer is not named in the public materials.

Who owns Tarjeta Cripto Fluyez?

The platform is Fluyez Digital Investments S.A.C. in Peru, and the Spanish crypto exchange Bit2Me acquired a stake in the company, with the site mentioning one million euros and news coverage dated July 2022.

Is the Tarjeta Cripto Fluyez card available in my country?

The official pages describe availability as “Disponible en Latinoamérica” and “Toda Latinoamérica”, and add that it “Funciona en Perú y toda Latinoamérica sin restricciones”. A country list, citizenship rules and residency rules are not published, so the only reliable check is to start the in-app process.

How do I apply for the Tarjeta Cripto Fluyez card?

You register on the platform, upload an identity document, complete a facial verification step, and then request and activate the virtual card from inside the app. Registration is described as taking under two minutes, with activation in under ten minutes.

Does the Tarjeta Cripto Fluyez card require KYC?

Yes. You submit an identity document and complete a facial verification step. The platform supports 2FA, biometric approval per transaction, real-time notifications and an in-app block switch, and the page confirms that each transaction is approved in the app with biometrics.

How do I top up the Tarjeta Cripto Fluyez card?

You deposit Bitcoin, USDT or ETH, or “otras criptomonedas disponibles”, into the platform, and the card spends from that balance. The networks accepted for each asset are not published, so test with a small amount first before sending a working balance, and the platform’s bank deposits are free in PEN and USD with a $1 minimum.

Is the Tarjeta Cripto Fluyez card free?

The platform says there is no cost or maintenance fee if a minimum monthly use is reached, but the minimum itself is not published. The Fluyez platform charges a 1% commission per operation. Card-level fees, ATM fees and FX mark-up are not stated in the public materials.

Is the Tarjeta Cripto Fluyez card safe?

The platform is registered with Peru’s SBS, the card is a Visa with PCI DSS, 2FA, biometric transaction approval, in-app freeze and tokenised mobile wallets. The Visa card issuer is not named in the public pages, the card was still preparing for public launch in January 2026, and the card does not publish a fee schedule, so treat the card as a workable regional product held back by gaps in published detail.

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