Financial & Fee Structure

Category	LoomPay	Bitget Card	CoinBase Card	KAST Card
Network	Mastercard/Visa	Mastercard/Visa	Visa	Visa
Annual Fee	$0	$0	$0 (Debit) / $4.99/mo (Coinbase One)	$20–$1,000/yr
Issuance Fee	$0	$0 (Virtual) / $0–$59 (Physical)	$0 (Virtual) / $4.95 (Physical)	$0 (Virtual) / $20–$1,000 (Physical)
Top - Up Fee	0.9% waived for the first 3 months	0.9% - 1.7% (non-SGD)	0% (USDC), 2.49% (other crypto)	0–2%
FX Fee	0%	0% (SGD), 1.6–1.7%	0–2%	2% (non-USD)
Inactivity Fee		$1/month	0	0
Card Replacement Fee		$59 / $199 (Premium)	$4.95	$20–$100
Cashback / Rewards	1% on all eligible transactions	2- 12% APY	Up to 4%	4–12%
Special Features	Staking Rewards: Earn non-term interest on staked assets
Daily Spending Limit without KYC: $20,000 per day	10% APY yield, Multichain support	No FX fee (Coinbase One)	SOL staking

Note: Comparison between Loompay, Credit Cards, and Stablecoins

Category	LoomPay	Credit Cards	Stable coins
Issuance Fee	$0 (Virtual) / $0–$29 (Physical)	$0 (Virtual) / $0–$59 (Physical)	None
Transaction Fees	<1%	2–4% + flat fees	<1% (often negligible)
Top-Up / Funding Fee	0.9%, waived for first 3 months	0.9%–1.7% (non-SGD)	<2% (varies by exchange)
FX Fee	0%	0% (SGD) / 1.6–1.7% (non-SGD)	0%
Inactivity Fee	None	$1/month (after 12 months inactive)	None
Cashback / Rewards	1% on all eligible transactions + staking bonuses	2–12% APY (depending on issuer)	Varies by DeFi platform (staking yields)
Fraud Risk	Low — blockchain secured	High	Low (secured by blockchain)
Global Accessibility	Worldwide (Mastercard/Visa)	Limited to issuer region	Borderless, wallet-based
Customer Experience	Fast, simple	Familiar but costly	Fast but technical
Recurring Billing	Supported (Web3 + TradFi)	Supported	Supported via smart contracts
Integration	Highly adaptable, Web3-ready	Mature but rigid	Growing rapidly
Transparency	Fully auditable on blockchain	Opaque, centralized processes	Blockchain-verifiable