Cashi
Cashi is a stablecoin-funded visa debit card (HK fintech) issued on Visa, rated 7.6/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Cashi is the strongest fit for AI subscriptions and streaming, and asks for ID + proof at signup — we carry it at medium (custodial; public beta aug 2026; no audit disclosed) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Cashi · Stablecoin-funded Visa debit card (HK fintech) |
| Official site | https://cashi.com |
| Best for | AI subscriptions · Streaming |
| Network | Visa |
| Rating | 7.6/10 (4.0★, 586 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $0 (free virtual) |
| Monthly / annual fee | $0 |
| Top-up (deposit) fee | 0% (blockchain network fee only) |
| FX / conversion fee | 1% on non-USD; 0% USD |
Verification and risk
| KYC required | yes (full: ID + address) |
| Risk level | medium (custodial; public beta Aug 2026; no audit disclosed) |
| AVS check | no |
| 3-D Secure | yes |
Funding and limits
| Crypto top-up | yes (USDT/USDC) |
| Bank transfer | no (no fiat rails) |
| Alipay / WeChat Pay | no |
| Cards per account | virtual only (1 virtual) |
Billing
| Billing address | virtual |
| Billing country | 100+ countries, NOT US; HK-based |
Platform compatibility
| ChatGPT | yes (subscriptions 3% cashback) |
| Netflix / Spotify | yes |
| App Store / Google Play | Google Pay yes; Apple Pay roadmap (not live Sep 2026) |
What the issuer states on its own site
- Earn 3% cashback on eligible subscriptions, 2% on eligible online shopping, and 1% on eligible travel purchases.
- If a merchant charges in another currency, Cashi converts the payment at the exchange rate at the time of the transaction and adds a 1% conversion fee.
- Streaming services 3% cashback reward!
Source: https://cashi.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 485907 | Visa | Hong Kong SAR, China | Debit | 152 | 111 | 73.0% |
We logged 111 cleared charges out of 152 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Cashi cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is $0; top-ups cost 0% (blockchain network fee only); conversion is priced at 1% on non-USD; 0% USD. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Cashi?
Cashi asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: yes (full: ID + address)
How can I fund Cashi?
You can fund it with crypto (USDT/USDC). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Cashi need?
Setting it up: the billing address type is virtual; cards are issued against 100+ countries, NOT US; HK-based; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Cashi work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Netflix and Spotify. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Cashi trigger 3-D Secure?
Yes. Cashi supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Cashi?
The issuer allows virtual only (1 virtual). Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.