BIX PAY
Wallet + spend, made simple
Move. Spend. Live.
The BIX.FI decentralized Visa debit card and crypto wallet — send, receive and spend money effortlessly, shipping to 179 countries.
What you get
Four card tiers
Virtual $9.99 · Plastic $100 · Metal $250 · Gold $25,000 — identical functions.
Apple Pay & Google Pay
Ready to connect, with no spending limits and no load fees.
Full crypto wallet
Store, swap and spend — the app is more than a card manager.
Direct money movement
Load from the BIX-Wallet portal straight to the card, no external wallets.
Near-instant loads
Fast top-ups so your money is ready when you are.
Optional subscription
$9.99/month unlocks miles, concierge, lounges and up to 3% rewards.
The long-term holder's paradox
Digital asset custody and real-world spending have been presented as mutually exclusive objectives. Until now.
Maintain direct control
Balances remain secure via private keys, but are practically unusable when everyday purchases arise.
Convenient spending
Requires transferring assets to third-party custodial accounts, surrendering the core ethos of cryptocurrency to access traditional payment rails.
| Dimension | Traditional crypto cards | The BIX self-custody Visa |
|---|---|---|
| Key custody | Surrendered to third party | Private keys remain with customer |
| Real-world limits | Capped spending | No limits — spend $1 or $1 million |
| Load fees | High intermediary fees | No load fees |
| Payment network | Fragmented networks | Visa network, 100 million+ merchants |
The operational bridge to everyday commerce
BIX links directly to your self-custody wallet.
On-chain funds are spent directly at merchants.
BIX is structurally prevented from gaining a pathway into customer funds.
Trustless payment execution
The local vault
Private keys remain securely with the customer on their local device. No third-party transfer.
The execution sync
At the exact moment of purchase, the transaction is initiated directly by the on-chain wallet.
The global network
Executed seamlessly over the Visa network at the point of sale.
Built for ownership, not custody
256-bit encryption
Irreversible loss prevention, zero custody concessions.
Absolute ownership
You never surrender permanent control to a third party.
Credential recovery
A shared recovery mechanism tied directly to an account email address — reduces the risk of a lost password destroying crypto wealth.
The frictionless funding funnel
Store
Securely hold supported cryptocurrencies.
Swap
1-tap in-app swaps directly to stablecoins.
Hold
Maintain stablecoin balances for smooth, volatility-free daily use.
Spend
Near-instant loads to the debit card with zero load fees.
A single account ecosystem
Card management
Track usage, balances and real-time transactions.
Peer-to-peer transfers
Send and receive digital assets directly.
On-chain asset management
Frictionless movement of funds.
In-app swaps
Exchange assets natively without leaving the environment.
Proven adoption & scale
323,000+
Active users
1.2 Million
Monthly transactions
$16 Million+
Funds managed
These metrics represent sustained, organic everyday usage and straightforward account setup — not the result of temporary promotional campaigns.
Uncompromising human support
- Zero reliance on scripted, automated bot responses when your money is on the line
- Available around the clock (24/7)
- Live interactions with human agents
- Serving customers natively in over 10 languages
- Laser-focused on resolving point-of-sale or account issues instantly
Choose your card
The BIX.FI decentralized Visa debit card ships to 179 countries worldwide — all cards have identical functions.
Virtual Card
$9.99
Plastic Card
$100
Metal Card
$250
Gold Card
$25,000
Optional monthly subscription — $9.99/month
- Earn miles
- Concierge service
- Airport lounges & early access
- Car rental insurance
- VIP event invitations
- Up to 3% rewards
Direct money movement
Move funds straight from the BIX-Wallet portal to your debit card — no need to use external wallets.
Approval is subject to the company's assessment, regional restrictions and eligibility criteria. Terms and conditions — including interest rates, fees and the referral program — are subject to change without notice. Please read the full terms before applying.
One app. More than a card.
The BIX app isn't just for managing your debit card — it's a full crypto wallet designed for everyday use.
- Securely store your crypto assets in one place
- Swap between supported cryptocurrencies directly in the app
- Hold stablecoins for smoother, day-to-day spending
- Easily load stablecoins to fund your debit card
- Manage card usage, balances and transactions from the same interface
Upcoming: banking & ramps
Banking and on-/off-ramp features are planned in approximately two months.
SEPA IBAN
European bank account rails, planned.
SWIFT
Global wire transfers, planned.
SEPA transfer — 1%
Planned transfer fee.
Instant transfer — 0%
Planned instant-transfer fee; the compensation plan includes up to 50% back from referral transactions.
Planned features, fees and rates are subject to change without notice and are not yet available — always confirm current terms on the official BIX channels before applying.
Getting started is simple
From download to your first tap-to-pay in four steps.
Download the BixPay app
Get BixPay from the Google Play Store (Android) or the App Store (iOS).
Register & verify your email
Open the app, tap Register and enter your email and password — then click the Verify Account link we send you.
Verify your identity (KYC)
In the Cards section, start verification: photos of your ID, a liveness check and a proof of address document.
Activate & fund your card
Activate your virtual card, add it to Apple Pay or Google Pay, and load it from your wallet — near-instant, no load fees.
Earn with the BIX affiliate program
BIX isn't just a card — it's an income opportunity. Invite friends, share your link and earn as they spend.
Share your referral link
Every BixPay account can invite friends — the app's Invite Friends feature gives you a personal referral link to share.
Earn on referral transactions
The BIX compensation plan includes up to 50% back on referral transactions, paid as your referred contacts use the card.
Built for IBs
IBs can sync their IB Portal directly with BixPay — scan the QR code from your portal profile to link wallets and card activity.
Affiliate terms, rates and eligibility are set by BIX and subject to change without notice — always confirm current terms on the official BIX channels before promoting.