Bleap Card

Bleap is a MiCA-licensed crypto card and money app that lets you hold, trade and spend cryptocurrencies and stablecoins across Europe. It combines a Mastercard debit card, a self-custodial MPC wallet, euro payments and crypto savings into a single app, allowing users to manage both digital assets and everyday spending from one place. Unlike many crypto cards that require users to keep funds on a centralised exchange, Bleap is built around self-custody. Your wallet remains under your control, while the card lets you spend supported euro and dollar balances anywhere Mastercard is accepted. You can also convert other supported cryptocurrencies into euros or US dollars in the app before making a purchase. Founded in London in 2023 by former Revolut employees, Bleap operates in the European Union through Bleap SIA, a crypto-asset service provider authorised under the EU’s Markets in Crypto-Assets Regulation (MiCA). This combination of regulation, self-custody and everyday usability makes Bleap one of the most distinctive crypto cards currently available.

Yes. Bleap combines European regulation with a self-custodial wallet, giving users a higher level of control than many exchange-issued crypto cards. Rather than holding your assets in a custodial exchange account, Bleap uses Multi-Party Computation (MPC) technology, which splits your private key into multiple encrypted shares. No single party, including Bleap, ever holds your complete private key. From a regulatory perspective, Bleap operates in the European Union through Bleap SIA, which holds a MiCA Crypto-Asset Service Provider (CASP) licence issued by Latvijas Banka, Latvia’s central bank. This means its regulated crypto services are supervised under the EU’s unified crypto regulatory framework. As with any crypto wallet, you’re still responsible for protecting access to your account. However, for users looking for a regulated platform that doesn’t require giving up custody of their assets, Bleap offers one of the strongest security models currently available.

The Bleap Card works like a traditional Mastercard debit card, but it’s connected to your Bleap Wallet instead of a bank account. You can spend supported euro and US dollar balances anywhere Mastercard is accepted, whether shopping online, paying in stores or making contactless payments with Apple Pay or Google Pay. Bleap is designed around EURe (digital euros) and USDC (digital US dollars). These stablecoins can be spent directly with the card without additional currency conversion. If you hold other supported cryptocurrencies, such as Bitcoin or Ethereum, you can convert them into euros or dollars within the app before making a purchase. Unlike many crypto cards that require you to preload funds or keep assets on a centralised exchange, Bleap combines a self-custodial wallet with everyday payments. This allows you to stay in control of your crypto while spending digital assets as easily as you would with a traditional debit card.

Yes. Bleap operates in the European Union through Bleap SIA, a Crypto-Asset Service Provider (CASP) authorised by Latvijas Banka, the central bank of Latvia, under the EU’s Markets in Crypto-Assets Regulation (MiCA). This licence allows Bleap to provide regulated crypto-asset services across all 27 EU member states under a single regulatory framework. Being MiCA regulated means Bleap must comply with strict European requirements covering governance, consumer protection, operational resilience and financial crime prevention. However, it’s important to understand that not every feature in the app falls under MiCA. Products such as Trading, Vaults and other self-hosted wallet features are provided separately and don’t benefit from MiCA investor protections. If regulation is one of your priorities, Bleap stands out from many crypto cards because it operates under its own MiCA licence rather than relying solely on third-party partners. That gives European users greater transparency about which entity provides regulated services and which protections apply.

Yes. Bleap uses a self-custodial wallet built on Multi-Party Computation (MPC) technology. Instead of storing your private key in one place, MPC splits it into multiple encrypted shares, meaning no single party—including Bleap—ever has access to your complete private key. Unlike many exchange-issued crypto cards, you don’t need to deposit your assets into a custodial exchange account before using the card. Your crypto remains under your control, and only you can authorise transactions from your wallet. This significantly reduces the counterparty risk associated with leaving funds on a centralised platform. If you’re looking for a crypto card that lets you keep control of your assets while still spending them easily, Bleap is one of the few products that combines true self-custody with everyday payments. It offers much of the convenience of a traditional fintech without requiring you to give up ownership of your crypto.

Bleap is built around EURe and USDC, regulated stablecoins that are designed to maintain a 1:1 value with the euro and US dollar. Instead of storing traditional fiat balances, your money is represented as digital euros or digital dollars, allowing it to move on blockchain networks while maintaining the same face value. For example, if you transfer €100 into Bleap, your balance is credited as 100 EURe. Likewise, depositing $100 results in 100 USDC. When you pay with the Bleap Card, these balances are spent directly without any additional currency conversion or foreign exchange markup. If you hold other cryptocurrencies, such as Bitcoin or Ethereum, you can convert them into EURe or USDC in the app before spending. Using stablecoins allows Bleap to combine blockchain settlement with everyday payments. For most users, the experience feels just like spending euros or dollars, while benefiting from faster transfers, on-chain compatibility and seamless integration with crypto assets.

Bleap supports both bank transfers and crypto deposits, making it easy to move between traditional money and digital assets. Depending on your location, you can fund your account through manual bank transfers, linked wallets, manual crypto transfers or by selling crypto already held in your Bleap trading balance. When adding fiat money, euros are credited to your EURe balance, while some other currencies are automatically converted into USDC at the applicable exchange rate. If you’re depositing cryptocurrency, supported stablecoins such as EURe, USDC and USDT can be spent directly with the card, while other crypto assets are credited to your trading balance and can be converted before spending. Once your funds arrive, there’s no need to top up the card separately. Your Bleap Card spends directly from your available wallet balance, making it possible to move from funding your account to paying with your card in just a few taps.

The Bleap Card offers up to 20% cashback on eligible purchases, with the reward depending on the spending category. Users can earn 20% on gaming, streaming and AI subscriptions, 3% on rides and food delivery, 2% at restaurants and supermarkets, and 1% on all other eligible purchases. Cashback is always paid in USDC and credited directly to your Bleap Wallet once the transaction has been confirmed by the merchant. Unlike traditional cashback cards that pay rewards in fiat, receiving cashback in a stablecoin allows users to spend, transfer or hold their rewards within the Bleap ecosystem. If cashback is one of your main priorities, Bleap offers one of the most competitive reward programmes among European crypto cards. Before applying, it’s worth checking the latest cashback terms, as eligible merchants, categories and promotional offers may change over time.

One of Bleap’s biggest advantages is its simple pricing. There are no annual or monthly card fees, no fees for converting between supported currencies, and no foreign exchange (FX) fees when spending abroad. Users can also withdraw up to €400 per month from ATMs without paying Bleap withdrawal fees. Adding money by bank transfer or crypto deposit is also free. If you hold cryptocurrencies such as Bitcoin or Ethereum, you can convert them into EURe or USDC in the app before spending, with no conversion fee or exchange rate markup applied by Bleap. Network fees may still apply when transferring crypto on public blockchains, as these are charged by the blockchain itself rather than by Bleap. For users who regularly travel or spend in multiple currencies, Bleap’s transparent pricing makes it one of the most cost-effective crypto cards currently available in Europe.

The Bleap Card is available to anyone aged 18 or over who lives in a supported country and successfully completes the required identity verification (KYC). Verification typically takes just a few minutes and is required to comply with European financial regulations. Bleap is currently available across the European Economic Area (EEA) and Switzerland, with expansion into selected Latin American markets, including Brazil and Mexico, already underway. Availability may vary depending on local regulations and the type of card or payment services offered in each country. Before applying, it’s worth checking the latest list of supported countries and accepted identity documents. This ensures you’ll have access to both the Bleap Wallet and the card features available in your region.

Yes. Bleap offers Savings Vaults that allow eligible users to earn up to 4% APY on supported US dollar balances. These vaults are designed for users who want to generate passive returns while keeping their funds within the Bleap ecosystem. It’s important to understand that Bleap Savings is not part of Bleap’s MiCA-regulated services. While the wallet and regulated crypto services are provided under Bleap SIA’s MiCA licence, the Savings feature is offered separately and does not benefit from MiCA investor protection safeguards. As with any yield-generating product, returns aren’t guaranteed and may change over time. If you’re looking for a crypto card that also offers savings, Bleap combines everyday spending with the opportunity to earn a return on eligible balances. Before depositing funds, it’s worth reviewing the latest APY, eligibility requirements and product terms to understand how the feature works.

Yes. The Bleap Card is compatible with both Apple Pay and Google Pay, allowing you to make contactless payments with your smartphone or smartwatch wherever these digital wallets are accepted. Once your virtual card has been issued, you can add it to your preferred wallet and start paying immediately, even before your physical card arrives. The virtual card is available as soon as your application has been approved, while physical cards are typically shipped within two working days. Both virtual and physical cards use the same wallet balance, making it easy to switch between online purchases, contactless payments and in-store transactions. For users who already rely on Apple Pay or Google Pay, the Bleap Card offers the same convenience as a traditional debit card while giving you access to your crypto and stablecoin balances.

Yes. The Bleap Card can be used anywhere Mastercard is accepted, making it suitable for travel, online shopping and everyday purchases around the world. Whether you’re paying in euros or another currency, transactions are processed just like a traditional debit card. One of Bleap’s biggest advantages for travellers is that it doesn’t charge foreign exchange (FX) fees. If you’re spending from your EURe or USDC balance, Bleap doesn’t add a markup to the exchange rate, helping you avoid the hidden costs often associated with traditional bank cards. Combined with free currency conversion inside the app and fee-free ATM withdrawals up to the monthly allowance, Bleap is one of the strongest crypto cards for people who regularly spend in different countries or currencies.

Getting a Bleap Card takes just a few minutes. First, download the Bleap app, create an account and complete the required identity verification (KYC). Once your account has been approved, you can order your card directly from the app. Your virtual card is available immediately after approval, allowing you to start shopping online or add it to Apple Pay or Google Pay straight away. If you also order a physical card, it’s typically shipped within two working days, depending on your location. Once you’ve added funds to your Bleap Wallet, either through a bank transfer or a supported crypto deposit, you’re ready to start spending. There’s no need to preload the card separately, as it spends directly from your available wallet balance.

If you need help with your Bleap account, wallet or card, the best place to start is the official Bleap Help Centre, which contains guides covering onboarding, identity verification, card activation, payments, crypto deposits, savings and troubleshooting. If you can’t find the answer you’re looking for, you can contact the Bleap support team directly through the app or by submitting a request via the Help Centre. For account-specific issues, having your transaction ID, screenshots or relevant account details ready can help the team investigate your request more quickly. Official support resources: * Help Centre: https://help.bleap.finance/ * Support portal: https://help.bleap.finance/en/ For security reasons, only contact Bleap through its official support channels and never share your recovery credentials, verification codes or sensitive account information with anyone claiming to represent the company.

Bleap stands out by combining European regulation, self-custody and everyday payments in a single product. While many crypto cards require users to keep funds on a centralised exchange, Bleap uses an MPC self-custodial wallet where users remain in control of their crypto. At the same time, its regulated services are provided under Bleap SIA’s own MiCA licence, offering a level of transparency that few crypto card providers currently match. Another key difference is Bleap’s focus on stablecoin spending. Instead of treating crypto as something that must constantly be converted back into fiat, Bleap allows users to spend EURe and USDC directly while still supporting seamless conversion from other cryptocurrencies when needed. Combined with no FX fees, fee-free conversions and competitive cashback, this creates a payment experience that’s closer to a modern fintech than a traditional crypto exchange. If you’re looking for a crypto card that balances regulation, security and ease of use, Bleap is one of the most complete options currently available in Europe. It’s particularly well suited to users who want everyday spending without giving up control of their digital assets.