The Air card is a Mastercard prepaid virtual debit card that is funded using your crypto from a Web3 software wallet.

The Air card can be used in two ways:
1. Pay for online products, services, or subscriptions by entering the card number, expiration date and CVC code when prompted by the merchant. For example, the Air card can be added as a payment method to your Amazon account.

2. Tap to Pay (Contactless Payment) at point of sale (POS) terminals by adding your Air card to mobile phone wallets such as Google Pay, Samsung Pay or Apple Pay.

NOTE: An anonymous name, address and phone number can be selected during the Air Card setup. You must provide a valid email address for customer service and support.

No, however, ATM withdrawals are available with the Terra card (Ark Fi's physical crypto card).

Without Legacy NFT or Referrer
A. Air card issuance - $15
B. Crypto swap/load fee - 4.5%

Without Legacy NFT and with Referrer
A. Air card issuance - $15
B. Crypto swap/load fee - 4.0%

With Legacy NFT
A. Air card issuance - $10
B. Crypto swap/load fee - 4.0%

Yes, if someone uses your referral link and purchases an Air Card, $4 of the card issuance fee is instantly sent to your Web3 wallet, paid in USDT.

2 Tier Affiliate System
Earn $4 every time a new card is issued by a referral!
Earn $1 when referrals on your second level issue a card.

The Air card expires 6 months after the date of issuance. The card balance must be used before the expiration date, or it will be forfeited. Unused balances cannot be transferred to a different card.

Balances cannot be transferred to a new or different Air card.

No, you cannot add crypto to an existing Air card or increase the balance after the initial swap/load.

No, you can purchase an unlimited number of Air cards.

A. The Air card can be used anywhere Mastercard is accepted in the currency selected at the time of purchase (the card’s native currency). Mastercard may restrict usage in certain territories, OFAC sanctioned countries and specific merchant categories.

NOTE: A foreign exchange (FX) fee may be applied if the merchant requires a different currency than the card's native currency.

B. Merchants can choose not to accept prepaid virtual debit cards.

C. The Air card cannot be used where a merchant requires 3D Secure (3DS) verification.

D. Merchants may refuse payment if shipping and billing address do not match.

It depends on the blockchain used to purchase the Air card. Blockchains with faster transaction speeds take less than a couple minutes. BTC is the slowest network and can take up to 45 mins.

Blockchain transaction times vary, and card issuance can take up to 45 mins. Card information sent by email can be classified as spam or blocked if you are not subscribed to the Ark Fi email address. Please check your spam folder and make sure you are subscribed to receive messages from Ark Fi.

Once the card has been loaded no transfers or refunds can be performed.

The Terra card is a physical Visa prepaid debit card that is funded using your crypto from a Web3 software wallet.

The Terra card can be used in several ways:
1. Pay for online products, services or subscriptions by entering the card number, expiration date and CVC code when prompted by the merchant.

2. Tap to Pay (Contactless Payment) or insert the chip card at point of sale (POS) terminals.

3. Withdraw cash at Automated Teller Machines (ATMs) worldwide by entering your personal PIN.

Upfront Fees:
A. Terra card issuance
Plastic card - $150
Metal card - $250
Custom metal card - $400
B. Shipping - included
C. Activation fee - included

Recurring Fees:
A. Crypto swap/load fee
Minimum load amount - $10
Flat Fee - $0.85
% Fee on swap/load amount:
Without referral link - 4.5%
With referral link - 4.25%
Legacy NFT holders - 4%
B. Monthly fee - $10

Transaction Fees:
POS/Online purchase: $0.3
ATM withdrawal: $2.50+ 1%
ATM balance enquiry: $1.00
Card to card balance transfer: $1.00
Foreign currency (non-USD) transaction: 2.75%

Transaction limit: $150,000

Daily spend limit: $150,000

Monthly spend limit: $175,000

Transactions per day: 20

Transactions per month: 200

Daily ATM withdrawals: $2,000

Monthly ATM withdrawals: $20,000

ATM withdrawal limit: 60% of card balance, up to $1,000

ATM Transactions per day: 5, up to $2,000

ATM Transactions per month: 20

A. The Terra card can be used anywhere Visa is accepted. Visa may restrict usage in certain territories, OFAC sanctioned countries and specific merchant categories.

Can issue, with restrictions:
1. Arab Emirates
2. Pakistan
3. Romania
4. Saudi Arabia
5. South Africa


NOTE: A foreign exchange (FX) fee may be applied if the merchant requires a different currency than the card's native currency.

B. Merchants can choose not to accept prepaid debit cards.

It depends on shipment time from the US to your location. Deliveries are sent worldwide and a tracking link is provided through the card manager.

Once the card has been loaded no transfers or refunds can be performed.

If you purchase a second Terra card, a balance transfer request can be made by submitting a support ticket.

Yes



How it works:

1. Share your referral link with friends.

2. Earn a commission when a referral purchases a Terra Card.

3. Earn a commission when a referral loads Terra Card with Crypto.