Tarjeta Cripto Fluyez card review — who gets the card, what it costs, and what the card does not say

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Tarjeta Cripto Fluyez is a crypto payment card aimed at Peru and the wider Latin American region. It turns a crypto balance into everyday Visa spending, works in Apple Pay and Google Wallet, and is produced by a Peruvian company registered with the country’s financial regulator. It also has, at the time of this review, a striking amount of information it simply does not publish — the issuer is unnamed, the card’s fees and limits are not stated, and the physical card is not confirmed. For someone who wants to spend crypto without converting it by hand, that combination — a plausible product wrapped in silence — is the whole story, and I have tried to separate the two.

The conditions described here are current as of October 28, 2026.

Verdict: 5.5 out of 10, a promising product hiding behind an unpublished fine print

My score is 5.5 / 10. That is neither a recommendation nor a rejection — it is a card with real strengths and real gaps, and I think the balance tips slightly positive for a specific kind of user. The audience it serves, as far as I can tell from the card’s own pages, is the crypto holder in Peru and Latin America who wants a normal-looking Visa to spend from, and who finds ordinary bank cards hard to get. For that person, this is one of the more direct options. For everyone else, the missing issuer, the missing fee table and the unnamed physical card are reasons to look at an alternative that publishes more.

I will not pretend the blanks are nothing. A card is a promise that a merchant will accept it and that your money is there when you tap. When the issuer is not named and the fees are “not stated”, you are being asked to rely on the company’s reputation alone, and the company’s reputation, as I found it, rests on a register entry and an acquisition, not on a long public track record of cards.

The score comes down to this:

Add those up and you get 5.5 out of 10. My reasoning for each mark is in the rows above; the sections that follow go into the detail behind each one.

Will they give you the card?

Short answer: if you are in Peru or elsewhere in Latin America, the card’s own pages say it is available to you. It says “Disponible en Latinoamérica” and “Toda Latinoamérica”, and it says it “Funciona en Perú y toda Latinoamérica sin restricciones”. Read plainly, that means there is no country-by-country restriction written on the page — you do not need to be a resident of one listed country, because the page does not list any, and Peru is singled out as a first-class place. Wherever Visa is accepted, you can use the card.

That is the good news, and it is genuinely good news for the reader I wrote this for: someone in Lima, Bogotá, Santiago or Buenos Aires who cannot open an ordinary bank card easily can, on the face of it, get this one. The bad news is subtler. “Toda Latinoamérica” is a broad claim, but it is not the same as a per-country eligibility list. It does not say what documents you need in each country, whether you must be a resident, whether your nationality matters, or whether the company accepts an address outside Peru. Those answers are not on the public pages — the card does not state them. So the fair statement is: the card presents itself as open across the region, and I found no published restriction that closes it, but I also found no published detail that tells you exactly where the line is.

One more thing belongs here, because it is about who this is really for. The card is not aimed at everyone with crypto. It is aimed at the person who already holds crypto and wants to spend it as ordinary money. If you are wondering whether to buy crypto through this company to get the card, that is the wrong order of operations — the card is a spending tool for a balance you bring, not an on-ramp. I will come back to this in the top-up and recommendation sections.

How to get it

Getting the card is, on paper, quick. You register in the app, you upload an identity document, you complete a facial verification — a selfie-style check — and the card asks for nothing else that the public pages mention. Registration “toma menos de 2 minutos”, and activation is “Inmediata (menos de 10 min)”. So the honest description of the signup is: you will know within minutes whether it worked.

But “fast” is not the same as “clear”, and the signup is where the card is vaguest. Two things it does not say. First, proof of address and age requirements are not stated. I have not found a published list of what else you will be asked for beyond the identity document and the face check. Second, the verification “levels”, the expected time and the reasons a registration could be rejected are not stated either. In practice this means: you register, you upload, you wait for the app — and if it says no, the page will not have told you in advance what tipped it. That is a normal thing for a regulated business to hold back, and I am not scoring it as bad faith. I am flagging it because it is exactly what you want to know before you hand over a document, not after.

You request the virtual card inside your account and activate it in the app. The card itself is a “Visa Virtual” according to the card’s comparison table. One loose thread: the page’s structured data also refers to a “tarjeta física y virtual” — a physical and virtual card — but that is not confirmed in the visible text, so I will not promise you plastic. The card’s currency is not stated either, which matters when I get to fees.

Fees: what it really costs, and what it does not say

This is the section where I have the most to say, because the honest answer to “what does it cost” is that the card mostly does not say. Here is what is published, side by side.

Let me pick that apart. The headline “Sin costos ni mantenimiento si llegas al monto mínimo de uso” is a conditional promise, and the condition is unnamed. Is the minimum a small monthly spend, like using it once at a café, or is it a substantial amount? I cannot tell you, and neither can you from the page. Treat that line as “no fee if you use the card enough, and we are not telling you how much enough is.” That is a real question to ask support before you rely on it, and I would ask it before you spend, not after.

The one hard number on fees is the Fluyez platform’s 1% commission per operation. That is not a card fee; it is what the platform charges on its operations. Where it bites depends on what an “operation” is, which the card does not define — a buy, a sell, a conversion? If it is the conversion at the moment of payment, then a 1% cost on everyday spending is noticeable and you should factor it into your budgeting.

Now let me walk two or three everyday payments through, because that is where fees actually live, and because it shows you what the blanks cost you in practice. I am going to assume you have topped up (more on that next) and are spending from a crypto balance.

• A typical small purchase. If the card converts at the moment of payment, the platform’s 1% commission is the number that applies, on top of whatever network and conversion spread sits inside the rate. You do not know the exact total, because the card’s currency and FX treatment are not stated. Budget the 1% and treat the rest as unknown.
• A monthly app subscription in USD, say 10 USD. This is the payment that most often triggers the platform’s per-operation charge, and it is also the one most likely to sit on a card whose currency is not stated. If your balance is held in PEN and the merchant charges USD, there is a currency conversion in there whose cost the card does not publish.
• A larger purchase, say a laptop, several hundred dollars. Here the missing daily and monthly limits become the real question, because those limits are not stated. You do not know whether this is within them. And a declined authorisation can, in this category, leave a hold on your funds for several days — typically up to 7 — which is unpleasant if the money was already converted.

The ATM question matters to a lot of readers and the card does not answer it at all. There is a 2% ATM figure that circulates in comparison tables for crypto cards, but on this card that number belongs to other products, not to Fluyez. So if cash withdrawal is part of how you picture using this card, you are going to have to ask, and I would treat any figure you are quoted by support as something to get in writing.

My bottom line on cost: this card is not expensive on the evidence available, but it is not fully priced either. The 1% platform commission is the anchor; everything else you will have to pin down yourself.

How to Top up

You top up the card by depositing crypto to Fluyez. The card accepts Bitcoin, USDT and ETH “u otras criptomonedas disponibles”. Let me be plain about the mechanics, because this is where crypto cards most often go wrong. You bring crypto to the platform; at the moment of payment, the equivalent crypto balance is deducted and converted to fiat. In practice that means the card behaves like a prepaid card: you are loading a balance, and the card spends only what is in it. It cannot overdraw, which is a genuine comfort.

Now the part you should not skip. The networks are not stated. This is the single most important gap in this whole review, so let me explain why it matters. Blockchain transfers are irreversible. If you send USDT on a network the provider does not support, or to an address belonging to a different network, the funds can be lost, or need manual support recovery with no guarantee. And stablecoins exist on more than one network — USDT, for example, has been issued on Ethereum, Tron, Solana, Polygon, Avalanche and others, and the wrong choice between two of them is the kind of mistake that is not reversible. Sending USDT on Tron to a Fluyez address that expects Ethereum would not show up as a small fee; it would show up as nothing at all, for a long time. Before your first top-up, confirm with support which network to use for each coin. Consider it the one piece of homework this card genuinely requires.

The platform’s own fees, as distinct from the card’s, are worth knowing. Bank deposits are free, with a minimum of $1. Buying crypto by card costs 4.65%, up to $5,000 per day. A top-up from crypto — that is, moving your own crypto onto the card — has no fee stated. And withdrawals from the platform back to a bank, in PEN or USD, cost a flat $5 under $500 or 1% from $500, with a $6 minimum, taking up to 24 hours. What you can get from the card back, as opposed to the platform, is not stated.

Read together, that gives you a clear picture of where the friction is: it is cheap to load from a bank, cheap-ish to load from crypto you already hold, and expensive if you are buying crypto with a card just to feed it. If you already hold BTC, USDT or ETH, that is the cheap road. If you are starting from cash, look at that 4.65% first.

Paying with it every day

Everyday use is the card’s strongest suit. Once activated, it works in Apple Pay and Google Wallet, so in practice you are tapping a phone more often than you are sliding a plastic card, and the tokens live in your device’s secure element rather than on a server. Online, each transaction is approved in the app with biometrics. That is a sensible everyday pattern.

Things you should know and that I could not find. The app is on the iOS App Store, rated 3.7 from three ratings when I read it; on Google Play it shows “Próximamente”, so an Android app was not listed as available. Three ratings is a very thin sample — it is a signal of a young product, not a verdict on quality. Blocked merchant categories are not stated, which is the sort of detail prepaid-style cards often restrict and which you would only discover by hitting it. And the dispute process — what happens if a charge is wrong, how you claim, who you call — is not stated either. I would want that answered before I relied on the card for anything I would be annoyed to lose.

The shape of the card is the other thing to hold onto. It is a virtual Visa, activated in the app, with no delivery mentioned. It is not a bank account with a card attached; it is a prepaid card drawing on a balance you load. That is a smaller promise than a debit card, and it comes with smaller protections. When a merchant declines, one of the first things their system checks is the BIN — the first six or eight digits of the card number — to see the issuer and the country. A card issued in one country can look foreign to a shop in another, and some merchants treat prepaid or foreign-issued cards with extra suspicion. So: yes, it works wherever Visa is accepted, and “wherever Visa is accepted” is not quite the same as “everywhere without a second look”.

What can go wrong

Let me walk the risks in the order they are likely to bite you.

The top-up network. Covered above, and it is the one I would put money on being the most common failure. Send crypto on the wrong network and the transfer is irreversible.

The unnamed issuer. The card does not name the bank or institution that issues the Visa. That is not a small gap. In a normal card, the issuer is the party that holds your funds, runs the chargeback process and stands behind the card when a shop refuses it. Here you cannot see who that is, and that is also who you would deal with in a dispute. The company behind the app, Fluyez Digital Investments S.A.C., is a Peruvian entity registered with the SBS as a virtual asset service provider under Resolución N° 02568-2021, and Bit2Me bought a stake — but a programme manager is not the same as the issuer, and the page does not say the company is a bank. It is not one.

Counterparty risk. This is a custodial setup — the provider holds the credentials and the funds — so you are trusting a company, not holding your own keys. That trust has not always been well placed in this category. Mt. Gox reported about US$350 million stolen over 2011–2014; Coincheck about US$400 million in 2018; Ronin Network US$625 million in 2022. I am not saying Fluyez is any of these. I am saying that holding funds with any custodian carries counterparty and hack risk, and that is worth weighing against the convenience.

The track record is thin and old. When I searched for reviews and complaints, I found no official incidents and no complaint themes. That is reassuring in one sense and quiet in another: it is what a young product looks like, not what a proven one looks like. Trustpilot shows 4.3 from nine reviews, all five-star, all dated August 2021, and none in the last twelve months. Nine reviews from five years ago is not a current reputation. Separately, in January 2026 news reported Fluyez preparing a public launch of the crypto card with its Visa alliance — which suggests the card itself is still new, and that the strong Trustpilot score predates it entirely.

Verification that can stop you. If your documents do not pass, the account can be frozen or closed while the company resolves it. This is standard in regulated finance, not a flaw, but it is a real inconvenience, and the card does not say what the rejection reasons are.

Holds and declines. A declined online payment can leave a hold on the converted funds for several days, typically up to 7. You should not read that as money lost, but you should not spend it either.

The card can be turned off. The app lets you block and unblock the card, and the issuer can restrict a tokenised number — on magnetic stripe, on phone, or on websites. Useful as a safety feature; also a reminder that access is something the provider controls, not only you.

What I found reassuring, for balance: the card’s security page lists Visa protection, PCI DSS compliance, two-factor authentication, real-time notifications, and app approval with biometrics for each transaction. Support is described as “Español completo 24/7”, with a Peru phone/WhatsApp number and an email. That is a fuller support and security story than many products in this category publish. My caution is about the fine print that is missing, not about the safeguards that are listed.

What to take instead

If the things missing from the Fluyez pages — the named issuer, the fee table, the ATM answer, the physical card — are the things you need, then the honest advice is to look at a card that publishes them, even if the region is different. Here is how the field looks to me, on the same five criteria I scored Fluyez on. I want to be clear that these comparisons are on public information, and that where a cell reads “not stated”, it means the company’s own public pages did not tell me, not that the product is bad.

Two things jump out. The first is that nobody in this list has published a clean, complete fee table for Fluyez’s model, and Bybit — the one card here with genuinely detailed fees — is also the one with the narrowest, most explicitly enforced region list, and it is explicitly not for European Economic Area customers. Second, none of these scores is high, which tells you something about the category rather than about any one card: crypto cards that spend a loaded balance are still, for most of the world, the less mature option.

Let me take the two most plausible alternatives on their own terms, for the reader who is deciding.

If you want a card that publishes its fees, Bybit is the most transparent. It names its regions, its card currencies, its validity periods and its limits. A virtual card costs nothing to issue in all regions “until further notice”, and there are no annual fees. It converts crypto at 0.9% over the One-Click Sell rate in most regions, and takes an FX fee of 2% on top of the network rate in Australia, Asia Pacific, Georgia and Mexico, with 0% FX padding in those and Mexico, 5% in Argentina, 1% in Brazil. Peru is supported, on a Visa prepaid in PEN or USD, though conversion isn’t supported there and the FX fee is 1%. Its catch is region: this product is “not meant for European Economic Area customers”, participation is strictly prohibited, and the card currency depends on your country of Advanced Identity Verification. Its rewards are also changing — from 5 October 2026, only crypto-funded transactions earn points or cashback, and cashback runs on tiers from 2% at Base up to 10% at Infinite, capped monthly, with the higher tiers requiring monthly spend. None of that exists on Fluyez.

If rewards are what you want, Young Card pays cashback in its own token, YNG, at a rate set by Club tier — Essential 0.1%, Gold 1.8%, Platinum 3.6%. That is a reason to look, with the usual caution that token-denominated rewards are only worth what the token is worth.

MSX scores highest here at 6.4, but I have to be honest: on the public pages I could read, it does not state who can get it, what the card is, what it costs, or what its fees are. A higher score from me, for another card, does not mean it is more transparent than Fluyez; it means the criteria I weighed came out better, and the gaps remain.

My recommendation is not to switch on the score alone. Switch on which gap hurts you. If the gap is “I cannot see the fees”, go where the fees are printed. If the gap is “I am in Peru and the physical card is not confirmed here”, note that Bybit’s physical card is not available in Peru either. If the gap is “I want to be paid back in cash”, ask Fluyez directly, because nobody has published the answer.

Who I would recommend it to

I would recommend the Tarjeta Cripto Fluyez to three kinds of person, and to nobody else without a conversation first.

The first is the crypto holder in Peru or elsewhere in Latin America who already has Bitcoin, USDT or ETH sitting on an exchange or in a wallet, and who wants to spend it as ordinary money without selling by hand. For that person the mechanics are sound: load crypto, tap a virtual Visa in Apple Pay or Google Wallet, let the balance convert at the point of sale. The 1% platform commission is a known, budgetable cost. You are not buying crypto to get the card; you are using the card to spend crypto you have. That is the right way round, and it is the use the card was built for.

The second is someone in the region who cannot easily get an ordinary bank card and needs a Visa that works in shops and online. The card says it works across Latin America without restrictions, it activates in under ten minutes, and the verification is a document and a face check. If a normal bank card is closed to you, this is a legitimate option to evaluate — with your eyes open about the issuer not being named.

The third is someone who is comfortable being early. This card is young: it was still being prepared for launch in January 2026, its Trustpilot rating comes from nine 2021 reviews, and its issuer is not public. If you are the kind of person who is comfortable with that — who would rather use a promising young product than wait — then the timing is not a flaw, it is a trade you are choosing to make.

I would not recommend it to anyone whose spending depends on features the card does not publish: cash withdrawals, a physical card, a named fee schedule, or a known dispute process. I would not recommend it as your only card. And I would not recommend it if you are buying crypto specifically to obtain it — that 4.65% card-purchase fee is a poor way to start.

Frequently asked questions

What is the Tarjeta Cripto Fluyez card?

The Tarjeta Cripto Fluyez is a crypto payment card from Fluyez Digital Investments S.A.C., a Peruvian company registered with the SBS as a virtual asset service provider. It is a virtual Visa that you activate in the app, and it works in Apple Pay and Google Wallet. You load it with crypto — Bitcoin, USDT and ETH among others — and at the moment of payment the equivalent balance is deducted and converted to fiat, so it behaves like a prepaid card drawing on that balance. It is not a bank account, and the card’s pages do not name the bank that issues the Visa.

How does the Tarjeta Cripto Fluyez card work?

You register in the app, upload an identity document and pass a facial verification, then request and activate a virtual card in the account. From then on you deposit crypto to the platform; when you pay, the matching crypto balance is deducted and converted to the merchant’s currency. Every payment is approved in the app with biometrics, and the card works in Apple Pay and Google Wallet, which is how most people would actually use it. The card behaves like a prepaid card: it spends only the balance you have loaded, so it cannot overdraw.

Is the Tarjeta Cripto Fluyez a bank?

No — the company behind it is not a bank. Fluyez Digital Investments S.A.C. is registered with Peru’s SBS as a virtual asset service provider under Resolución N° 02568-2021, which is a crypto-regulatory registration, not a banking licence. The card’s pages do not name the bank or institution that issues the Visa, and a Visa partnership has been announced. That unnamed issuer is the party that would normally hold your funds and handle a dispute, which is worth pressing on with support.

Who owns the Tarjeta Cripto Fluyez?

Fluence is owned by Fluyez Digital Investments S.A.C., the company named as the seller on its App Store listing, based in Peru. Bit2Me, the Spanish crypto platform, acquired a stake in 2022 — the company site puts it at one million euros, and news reports date it to July 2022. So control sits with the Peruvian entity, with Bit2Me as a shareholder. The card issuer is a separate party that the card’s public pages do not name.

Is the Tarjeta Cripto Fluyez card available in my country?

The card’s own pages say “Disponible en Latinoamérica” and “Toda Latinoamérica”, and that it “Funciona en Perú y toda Latinoamérica sin restricciones”. So on the face of it, yes, if you are in Peru or elsewhere in Latin America. But the pages do not give a country-by-country eligibility list, document requirements or residency rules, so I found no published restriction that closes it and no published detail that confirms exactly where the edge is. Check with support for your specific country before you upload anything.

Does the Tarjeta Cripto Fluyez card require KYC?

Yes. The card requires an identity document upload and a facial verification — a selfie-style check — as part of registration. What the pages do not state is whether proof of address or age is also required, what the verification levels are, how long approval takes, or what the rejection reasons are. Because of this, if your documents do not pass, the outcome is something you find out after you have handed them over rather than something you can prepare for in advance.

How much does the Tarjeta Cripto Fluyez card cost?

The card says “Sin costos ni mantenimiento si llegas al monto mínimo de uso” — no costs or maintenance if you reach a minimum use — but it does not say what that minimum is. Issuance and card fees are not stated. The one published figure is the Fluyez platform’s 1% commission per operation. ATM withdrawals, the FX treatment and daily and monthly limits are all not stated, so for a card you plan to rely on daily, ask support for the numbers in writing.

How do I top up the Tarjeta Cripto Fluyez card?

You deposit crypto to the platform — Bitcoin, USDT and ETH “u otras criptomonedas disponibles” — and at payment the equivalent balance is deducted and converted. The critical detail is the network, and the card does not state which networks it supports. Transfers are irreversible, so sending on the wrong network can lose the funds. Platform fees: bank deposits are free from a $1 minimum, buying crypto by card is 4.65% up to $5,000 a day, and a top-up from crypto you already hold has no stated fee.

Is the Tarjeta Cripto Fluyez card safe?

It has real safeguards listed — Visa protection, PCI DSS, two-factor authentication, real-time notifications, and per-payment approval in the app with biometrics — plus support described as 24/7 in Spanish. But it is a custodial card, so the provider holds the credentials and you carry counterparty risk, and the issuer is not named. It is also young: still being prepared for launch in January 2026, with a Trustpilot score of 4.3 from nine reviews, all from 2021. Safe enough to try small; not something to make your only card.

Is the Tarjeta Cripto Fluyez card worth it?

Worth it if you already hold crypto in Peru or Latin America and want to spend it as ordinary money without selling by hand — the mechanics are sound and the 1% platform commission is budgetable. Not worth it if you are buying crypto specifically to get the card (that costs 4.65%), if you need cash withdrawals, a confirmed physical card or a printed fee schedule, or if you want to see who the issuing bank is. For those cases a card with published fees, such as Bybit, may serve you better if you are in one of its regions.

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