yes, you are reading this correct
9.56% AER on your USD in the Bleap app
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3.9/ 5
Our score
Good
Card issuance fee
Free
Monthly fee
Free
Foreign exchange fee
0%
Max cashback
20%
Top-up networks
ArbitrumBaseSolana
Card network
Mastercard
What is Bleap?
Bleap is a self-custodial crypto account with a Mastercard debit card for spending stablecoins and other crypto online, in shops and at ATMs. The app also supports transfers, savings and crypto trading. Its headline cashback rate reaches 20%, while card issuance, maintenance and monthly fees are listed as €0, with no foreign exchange fee.
Company and funding
Bleap Ltd is headquartered in London and was founded in 2023 by co-founders Joao Alves and Guilherme Gomes, both former Revolut employees. Alves previously led Revolut’s card program. Bleap raised a $2.3 million pre-seed round led by Ethereal Ventures in November 2024, with Maven11, Alliance DAO and Robot Ventures among the participants. Blossom Capital led a $6 million seed round in January 2026. Angel investors included executives from Revolut, Phantom, OKX, EigenLayer and Consensys.
How the card works
The wallet is self-custodial, so the on-chain balance funds the card without a conventional custodial account. Users can spend fiat currencies or supported crypto after conversion in the app. Bleap says cashback is paid automatically in USDC to the on-chain balance after a purchase is confirmed. The app supports Arbitrum, Base and Solana, and later added trading across Robinhood Chain and BNB Chain. Crypto trading covers more than 18,000 tokens and has no trading fee listed by Bleap.
Fees and availability
Card issuance and maintenance fees are €0, and there is no monthly fee. Bleap lists 0% foreign exchange fees and no FX markups. ATM withdrawals have no Bleap fee worldwide up to €400 per month, although the ATM operator can charge separately. Availability covers Europe, Mexico and Brazil. The Brazilian account supports BRL-to-EUR transfers through PIX. The EU service operates through Bleap SIA, a wholly owned subsidiary of Bleap Ltd.
Regulation and track record
Bleap SIA holds CASP licence No. 27-55/2026/14 under MiCA, granted by Latvijas Banka on 25 June 2026. The licence covers exchanging crypto-assets for funds and other crypto-assets. Bleap reported more than 20,000 users and over $30 million in transaction volume during 2025. Its product range expanded in 2026 with an EUR Vault and additional chain support.
Risks and limits
Cashback can reach 20%, but the rate and eligible spending depend on the applicable offer, and rewards paid in USDC remain tied to a crypto account.
Founders
Joao AlvesCo-founder
Former Revolut employee who previously led Revolut's card program.
Guilherme GomesCo-founder
Former Revolut employee.
Best for:EU residents spending stablecoinsBrazilian users sending PIX to eurosMultichain crypto spendingUsers wanting USDC cashback
Pros and cons
Pros
- Self-custodial card balance
- €0 issuance and monthly fees
- 0% foreign exchange fees and no FX markups
- Up to 20% cashback paid in USDC
- No Bleap ATM fee up to €400 monthly
- MiCA CASP licence from Latvijas Banka
Cons
- Availability is limited to Europe, Mexico and Brazil
- Card access depends on issuer and program arrangements
- Cashback rate and eligible spending depend on the offer
- ATM operators may charge separate fees
- Self-custody places wallet-access responsibility on the holder
Our review
3.9/5
Good
Bleap combines self-custody, Mastercard spending and high advertised cashback, but regional coverage and changing reward terms weaken the proposition.
Bleap is a Mastercard debit card linked to a self-custodial wallet, so spending starts from an on-chain balance rather than a custodial exchange account. The card is available across Europe, Mexico and Brazil. EU access runs through Bleap SIA, which holds CASP license No. 27-55/2026/14 under MiCA, granted by Latvijas Banka on 25 June 2026.
Bleap lists €0 card issuance, €0 card maintenance and €0 monthly fees, with 0% FX fees and no FX markups. ATM withdrawals carry no Bleap fee worldwide up to €400 per month, although the ATM operator may charge separately. Crypto trading has no trading fee.
Cashback is more unusual. Bleap advertises up to 20%, paid in USDC directly to the on-chain balance, while earlier product material describes cashback of up to 2%. Recent offers include 20% on services such as ChatGPT, Claude, Gemini, Netflix and Prime, with Bleap saying it subsidises those rewards. The headline rate therefore depends on the purchase category and current offer, rather than applying as a simple uncapped rate to every card payment. USDC avoids the volatility of a native reward token, but rewards can still change or be capped.
The app supports Arbitrum, Base and Solana, and trading covers more than 18,000 tokens. It also includes saving plans advertised at up to 8% APY or AER, plus a EUR Vault launched in October 2026.
Bleap was founded in 2023 by Joao Alves, who previously led Revolut’s card program, and Guilherme Gomes, also a former Revolut employee. It raised $2.3 million in pre-seed funding in 2024 and $6 million from Blossom Capital in January 2026.
Fees & limits
| Card type | Debit |
|---|---|
| Card network | Mastercard |
| Card format | Virtual, Physical · unverified |
| Custody | Self-custodial |
| Max cashback ⓘ | 20% · unverified |
| Rewards paid in | USDC · unverified |
| Card issuance fee | Free · unverified |
| Monthly fee | Free · unverified |
| Annual fee | Free · unverified |
| Foreign exchange fee | 0% · unverified |
| Crypto conversion spread | 0% FX markups · unverified |
| ATM withdrawals | No Bleap fee worldwide, up to €400 per month; operator fees may apply · unverified |
| ATM withdrawal limit | €400 per month · unverified |
| Available in | Europe (EEA), Latin America · unverified |
| Spendable assets | Stablecoins, EUR, USD · unverified |
| Top-up networks | Arbitrum, Base, Solana · unverified |
| Card currencies | EUR, USD · unverified |
| Spend stablecoins | Yes · unverified |
| Good for | Everyday spending, Travel, Online shopping · unverified |
| Perks | Up to 20% cashback, Savings plans up to 8% APY or AER, Crypto trading of 18,000+ tokens · unverified |
| Virtual card fee | Free · unverified |
Not disclosed by the provider: KYC required, Business card, Staking needed for top rewards, Welcome bonus, Top-up fee, Daily spending limit, Not available in, Apple Pay, Google Pay, Card issuer, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
Self-custodial wallet
The Mastercard debit card spends from an on-chain balance rather than a conventional custodial account.
Stablecoin spending
Users can spend stablecoins directly, while other crypto can be converted to euros or dollars in the app.
USDC cashback
Cashback is paid automatically in USDC after the merchant confirms the purchase, with advertised rates up to 20%.
Multichain balances
The app supports Arbitrum, Base and Solana, with trading also available across Robinhood Chain and BNB Chain.
Crypto trading
Bleap lists more than 18,000 tokens for buying and selling without trading fees.
ATM withdrawals
Bleap charges no ATM fee worldwide up to €400 per month; local ATM operator fees can still apply.
PIX transfers
The Brazilian account supports BRL-to-EUR transfers through PIX, with euros received in the Bleap account.
Inside Bleap
Card
The Mastercard debit card lets users spend from a self-custodial on-chain balance online, in shops and at ATMs. Bleap advertises cashback paid in USDC.
Cashback
This section covers card rewards, including offers advertised at up to 20%. Rewards are credited in USDC rather than points or vouchers.
Trade
Users can buy and sell more than 18,000 tokens in the app without trading fees. Supported networks include Arbitrum, Base and Solana.
Savings
Bleap offers saving plans with advertised yields of up to 8% APY or AER. The app also includes the EUR Vault, which launched in October 2026.
Send money
The app supports cross-border payments and transfers. Users can send supported assets and convert them into euros or dollars in one tap.
Brazilian account
Brazilian users can transfer BRL to EUR through PIX, with euros received directly in the Bleap account.
Explore crypto
This section provides access to crypto assets available through Bleap's trading products, which cover more than 18,000 tokens.
Bleap screenshots
What users say about Bleap
Specific praise is limited, with users mentioning Apple Pay functionality and generally positive card or app impressions. Complaints focus mainly on slow support, delayed funding or reviews, restrictions around transfers, and concerns about private-key control.
In their own words
“He figured it it out i PM him he just western union himself the money using Apple Pay with the Bleap card.. Rhey had the best exchange rates like close to exactly what is is and is basically no fees”
“Any ideas to get money out in Thailand? For some reason ATM spits out my card, and saying my card is blocked when I was at the bank.. I’m in Thailand and left my wallet with all my cards so the only card I have now is the Bleap card.. I write Bleap support in the app but She is not answering..”
“IBAN not made All is working onky ita not generating an IBAN, preventing me from putting money on the account. It says it takes a couple of minutes, but at the moment it already takes 1,5 week. And it took support 7 days to answer my issue with an answer that didnt help me anything.”
“Manual reviews and poor support I recently opened a Bleap account and got it verified with KYC. On paper the service sounds amazing, small to no fees, non-custodial wallet, free bridging, cashback, etc.”
“False advertising? I found a Bleap ad that said you can buy GTA6 with up to 60% cashback, so I was interested and did some digging. What I found out is, that Bleap offers 20% CB on gaming subscriptions ONLY (PS+, Game Pass, etc.) Did someone try it? What's your experience?”
“Non-Custodial I read them touting non-custodial in their marketing, mentioning it on the website, in the app and during conferences. However, the way it is implemented is this: \-You only get the public address of the Arbitrum account they create for you.”
Based on 42 Reddit posts and comments from the last 12 months, checked Oct 18, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Bleap? Share your experience below.
Funding and investors
$8.3MTotal raised
2Rounds
5Investors
-
Seed Jan 2026 $6MSource
-
Pre-seed Nov 2024 $2.3MSource
Ethereal VenturesVenture capital
Lead
AllianceAccelerator
Maven 11Venture capital
Robot VenturesVenture capital
FAQ
Who founded Bleap?
Bleap was founded in 2023 by Joao Alves and Guilherme Gomes, both former Revolut employees. Alves previously led Revolut's card program.
What fees does Bleap charge?
Bleap lists €0 card issuance, €0 card maintenance and €0 monthly fees, with 0% FX fees and no FX markups. It charges no Bleap ATM fee worldwide up to €400 per month, while ATM operators may charge their own fees.
Where is the Bleap card available?
Bleap is available across Europe, Mexico and Brazil. EU services are provided through Bleap SIA under a CASP licence granted by Latvijas Banka.
Is Bleap safe to use?
Bleap uses a self-custodial wallet, so the user retains custody of the on-chain balance, and its EU entity holds CASP license No. 27-55/2026/14 under MiCA. Bleap was founded in 2023 and has reported more than 20,000 users and over $30 million in 2025 transaction volume.
Which networks and assets does Bleap support?
Bleap operates on Arbitrum, Base and Solana, and its trading section covers more than 18,000 tokens. Users can convert supported assets into euros or dollars before spending.
How does the Bleap crypto card cashback work?
Bleap pays cashback in USDC to the user's on-chain balance after the purchase is confirmed by the merchant. The advertised maximum is 20%, while earlier product material describes 2%, so the rate depends on the current offer and purchase category.
Latest from Bleap on X
dear binance hacker,
can you hack linkedin, then delete it
can you hack linkedin, then delete it
should we drop this new sign up flow design? https://t.co/CfeiIZiJZF
they say when life gives you lemons, make lemonade
when life gives you money, trade memecoins and lose
when life gives you money, trade memecoins and lose
is this how to use AI? https://t.co/kWKvsw2UJX
Recent public posts from @BleapApp, shown as published. Not reviewed or endorsed by CryptoReview.
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