4. Fees & Limits

Fee Type	Amount	Description
Virtual Card Issuance	Free	Instant after Log in completion
Physical Card Issuance	$9.99	Includes global shipping
Crypto Deposit / Top-Up	0% (First 3 months)	Promotional rate for new users
FX Conversion Fee	0%	Real-time exchange with zero markup
Perpetual Cashback	1%	On eligible transactions
Account Maintenance	$0	No hidden or recurring fees

Highlights:

• Transparent, competitive pricing—up to 70% cheaper than competitors.

• Free top-ups and staking yield integration.

• FX conversion optimized via Loompay's multi-asset liquidity engine.