Echobit, Toobit and OrangeX publish the same rebate, the same effective taker fee of 0.027% and the same automatic payout. When the rate card ties, the decision moves to listings, depth, withdrawal record and regional access.
Tegro Cash lists its card and cashback as coming soon with no fees published at all. The wallet works. Why an unpriced card cannot be compared when top-up fees range from 1% to 4.5%, and a checklist for coming-soon products.
Fizardus had the best terms in its category — free first card, about 1% to top up — and its domain is now deregistered with no way to reach any balance. Why a price that far below the field deserves a question, and the signals that come first.
Solvo sold a five-year card for $99, then the issuing partner exited in June 2026 and support went silent. What an issuer exit actually is, why long prepayment transfers survival risk to you, and what to do with a stranded balance.
XHype moved to subscriptions in May 2026: $9, $19 and $49 a month with top-up fees of 4.5%, 3.5% and 2.3%. The crossovers are $12,000 and $30,000 of annual loading. Total cost tables and why no-KYC does not hold.
Pintopay charges 2.5% to top up with no FX markup, which saves $40 on $2,000 of foreign spending. But a flat $0.25 per authorisation makes a $2 purchase cost 12.5%. The crossover is $10, plus the Telegram-specific risks.
IZIPAY issues a virtual card in two minutes with no documents, for $49.99 plus 3% on every top-up. Effective burden rates by volume, how it compares with Pintopay and XHype, and the closure risk that outweighs any fee.
Toobit rebates 55% of futures fees for an effective taker fee of 0.027%. Gate rebates 70% but pays on request — miss three claims a year and it drops to 52.5%, below Toobit. Ten-exchange effective fee comparison and the volume math.