⁉️FAQs

Wondering what the Lifecard is all about? We've got you covered! From how to top up and what currencies you can use, to whether you can withdraw at ATMs. Simple answers to your most common questions,

How do I top-up my card?

Your in-app wallet is non-custodial and built to hold your crypto. You can top it up by sending crypto in or using one of our on-ramp partners. It’s also where your savings yield, rsNFT dividends, and referral rewards land.

Got balance in your wallet? You can convert it to your card in just a few taps. It only takes a few minutes, and then you’re free to spend it however you like.

Want to skip the wallet step? You can also top up your card directly by sending crypto to a wallet address we generate for you on the dashboard. That balance goes straight to your card.

Just a heads-up: once you’ve topped up your card, you can’t convert that fiat back to crypto. But if you want to buy crypto with your card, you can, just use one of our providers (fees apply).

What is the currency used by the card?

The card runs on US dollars (USD), but you can view your balance in any currency you like on the dashboard, totally up to you!

Can I use The LifeCard internationally?

Yes! The LifeCard works anywhere VISA is accepted worldwide. Just double-check our list of unsupported countries before you travel.

How do I change my PIN or freeze my card?

You can set your PIN and manage other card settings easily through the dashboard whenever you need.

Do I get a physical card or just a virtual one?

For now, you’ll get a virtual card to start with. A physical card is coming in 2026. Both can be added to Apple Pay and Google Pay for easy, contactless payments.

How long does it take to get The LifeCard?

Your virtual card’s ready within minutes after payment. If you’ve ordered a physical one, it’ll arrive in 2 to 8 business days, timing just depends on where you are.

Do I have to pick between a physical or virtual card right away?

Nope! You can start with just a virtual card and grab a physical one later. Just a heads-up, when you get the physical card, it comes with new info, so you’ll have two cards with separate numbers and balances. If you want, you can cancel the virtual card after.

Can I withdraw cash from an ATM with just a virtual card?

Yes! Lots of ATMs now support contactless (NFC) payments. Just add your card to Google Pay or Apple Pay, then find an ATM that accepts contactless, and you’re good to go.

Who issues The LifeCard?

The LifeCard is issued by Zypto through a licensed issuing entity in Puerto Rico. They’re a Visa network member, but not a bank.

Is your issuing partner regulated?

Yes! Zypto operates under a financial services license in Puerto Rico and follows local regulations plus Visa’s rules.

What are Puerto Rico’s reporting requirements?

Puerto Rico is a U.S. territory with its own tax systems, but some entities and individuals might still need to report to the IRS, especially if they earn income from outside Puerto Rico or don’t meet certain residency rules.

Heads up: It’s always on you to know and follow your own tax rules back home, so consult your local tax professional for more information.

Is Puerto Rico part of the OECD’s Common Reporting Standard (CRS)?

Nope, Puerto Rico isn’t part of CRS. Instead, it follows FATCA, which means financial institutions report info on U.S. citizens and residents directly to the IRS.

Heads up: It’s always on you to know and follow your own tax rules back home, so consult your local tax professional for more information.

Do cardholders outside the U.S. have any tax reporting obligations in Puerto Rico?

If you’re a cardholder outside the U.S., you generally don’t have any tax reporting requirements in Puerto Rico. Your tax reporting depends on where you live and the rules in your country, plus any FATCA agreements that might apply.

Heads up: It’s always on you to know and follow your own tax rules back home, so consult your local tax professional for more information.