FAQs

What is Argent Metal Card?

Argent Metal is a premium crypto card. With it, you can spend your crypto anywhere Mastercard is accepted while remaining in control of your crypto. You’ll also earn cashback on every purchase and get access to a bunch of useful perks. It’s the card every crypto native needs.

Who can order Argent Metal Card?

The card is available to UK and EEA residents. 

Full List of Eligible EEA Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

We are working on expanding to more regions soon.

How do I order the Argent Metal Card?

Join our waitlist here. Once eligible, you’ll receive an email. You can then order the card directly from the Argent Mobile app after completing ID verification.

How does Argent Metal Card work?

It’s just like any other card, but the currency you spend is USDC. Argent Metal is a debit card. If you do not have enough USDC in your wallet to purchase the item(s) that you want, it will decline.

Do I need to verify my ID?

Yes. You must complete ID verification before receiving Argent Metal Card. This is necessary to comply with regulations, prevent fraud, and ensure the card works with traditional payment networks like Mastercard.

Privacy note: 

• Argent does not process or store your KYC data.
• ID verification is handled by Kulipa, a regulated card issuer. They ensure compliance while keeping your personal data private.
• ID verification does not impact self-custody. They’re your private keys and your coins. 

Is the Argent Metal Card self-custodial?

Yes. Unlike most other crypto cards, Argent never holds or controls your funds. Your crypto stays in your self-custodial wallet until you make a payment. The card simply facilitates spending while you remain in full control of your assets. 

What cryptocurrencies can I load onto the card?

Currently, the Argent Metal Card only supports USDC for loading and spending. Additional cryptocurrencies may be added in the future.

Fees & Payments

How much does the card cost?

Argent Metal Card is 120 USDC for the first year, paid upfront for the first release. In the future, we plan to offer a monthly payment option. It will not automatically renew after one year. We will notify you before renewal, and you can choose whether you want to continue.

How do fees work?

Argent Metal has no FX fees, conversion fees, or top-up fees. 1 USDC = 1 USD.

• No hidden markups on exchange rates: We use the official Mastercard exchange rate without markups. You can view the current exchange rate using Mastercard Currency Converter Calculator.
• No crypto-to-fiat conversion fees: Unlike other cards, we charge no hidden spreads when converting crypto to fiat.
• No top-up fees: Your crypto stays in your wallet until you spend it, with no extra charges for moving funds.

‍Where is the Argent Metal Card accepted?

The card can be used globally wherever Mastercard is accepted.

What currencies can I pay in?

You can spend in any currency supported by Mastercard. Your USDC is converted to fiat at the time of purchase using the official Mastercard exchange rate.

Can I withdraw from ATMs?

Yes. ATM withdrawals are allowed wherever Mastercard is accepted. Up to $800/month is fee-free. A 2% fee applies to ATM withdrawals beyond this limit. Some ATM providers may charge additional third-party fees.

Cashback Program

How does the cashback program work?

Full details will be disclosed at launch but you will be able to earn 15x the cost of the card. If you’re an Argent Metal cardholder, check the Argent Mobile app to see details (Card > Perks > Cashback).

How does cashback get distributed?

Cashback will be credited to your account in STRK on the 10th of every month. You will not be required to claim it.

Who’s funding the cashback program?

The Argent Metal cashback program is funded by the Starknet Foundation. The cashback program is reviewed quarterly. 

Which spending categories qualify for cashback?

All transactions qualify except for restricted categories such as gambling, money transfers, and other financial services.

Does unused cashback roll over to future months?

No, unused cashback does not roll over.

Perks & Benefits

What perks come with the Argent Metal Card?

Argent Metal cardholders enjoy exclusive benefits on Ramp, Layerswap, Koinly, Nansen, StarknetID, Airalo and NordVPN. If you’re an Argent Metal cardholder, check the Argent Mobile app for the full list of perks and access discount codes (Card > Perks). Please note: 

• Ramp offer is not available in the UK.
• Nansen perk is not available to current subscribers. 
• Layerswap fees are refunded in STRK on a weekly basis to your account (up to $100/month). 

These perks are subject to change and may have specific terms and conditions. More will be added soon!

What is the Argent Metal Card NFT?

The Argent Metal Card NFT is a non-transferable NFT designed to unlock on-chain perks available for early Argent Metal card holders.

Security & Support

My ID verification link expired. How do I get a new one?

Please contact support@argent.xyz to request a new ID verification link. 

What happens if I lose my Argent Metal Card?

You can freeze your card instantly from the Argent Mobile app and request a replacement.

When will Apple Pay and Google Pay be available?

We’re working on Apple Pay and Google Pay integration. Expected rollout dates will be announced soon. Stay tuned for updates.

What countries are supported? 

UK and EEA for now. We will expand to more countries in 2025 and beyond.

Got questions? Please reach out to support@argent.xyz.