Program is unavailable now
Important, as of end of July 2026 the Ready card program is unavailable, the issuer wound down. At least funds stay in self custody but the card stopped
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Ready Card reviews
A self-custodial Mastercard on Starknet from the Ready wallet; the programme is paused after its issuer wound down.
17reviews
+1reviews this month
1complaints this month
41%customers recommend
Experience ratings
User ratings
Average scores across key criteria.
Convenience4.4/10
Support4.0/10
Fees4.4/10
Functionality4.2/10
Reliability4.1/10
Safety4.1/10
Ready Card reviews
User experiences verified by a moderator.
Metal costs 120 USDC upfront
To get the good rates you pay 120 USDC a year upfront. Fine if you spend a lot but a real commitment for a card that then became unavailable. Ouch
STRK cashback was a nice bonus
Earned STRK back on spending funded by the Starknet Foundation. Not guaranteed forever but was a solid perk while active. Enjoyed it
Great wallet shame about the card
The Ready/Argent wallet itself is genuinely good and my funds are safe. But the card program collapsing is a real blow. Hope the relaunch delivers
Kept my keys the whole time
The whole appeal is I never hand my assets to a custodian. Funds only leave when I tap. For a self custody believer it was the most direct option on the market
Cap on cashback spend
The 3% only applied up to $5000 monthly spend, max $150 a month. So the headline rate is capped like everyone else. Read the limits
Metal tier paid for itself
At $333+ a month spending the Metal tier’s upgrade to 3% cashback and 0% FX easily beat the annual fee. Good math for a regular spender. Worked for me
1% FX on the free tier
Lite tier charges 1% FX which eats the tiny cashback on any non USD purchase. The free option quietly costs you abroad. Metal or nothing
Same issuer collapse as Solflare
The issuer Kulipa winding down killed both Ready and Solflare cards. Tying the card to one fragile issuer took the whole thing down. Structural failure
Lite tier cashback is negligible
On the free Lite tier it’s just 0.5% and the 1% FX always exceeds that on non USD spend. So below a certain spend you actually lose money. Do the math
Cashback funded quarterly not guaranteed
The 3% STRK was funded quarterly by the Starknet Foundation and explicitly not guaranteed permanently. Building on that was always shaky. And now it’s gone
Self custody Mastercard done well
Formerly Argent, and the self custody design is excellent, my USDC stays in my own Starknet wallet until I pay. The Metal tier’s 3% and 0% FX were great while it ran
No seed phrase social recovery
Ready’s wallet heritage shows, no seed phrase and social recovery make it approachable while staying self custodial. Clever engineering. Impressed
Relaunch is uncertain
They say they’re rebuilding on new infrastructure but no confirmed date, issuer, network or terms. Total limbo. Can’t recommend until it actually returns
Not directly FCA authorised
The card wasn’t directly FCA authorised, it relied on the issuer’s regulated framework. When that issuer wound down, well, here we are. Regulatory fragility
UK and EEA only
Availability was limited to UK and EEA with vague expansion promises that never really materialized before it paused. Narrow reach
Starknet dependency
Everything runs on Starknet which is fine tech but ties you to that ecosystem’s health and the specific issuer. Concentrated risk that bit users
About the product
Ready Card overview
Ready Card comes from the Ready team (formerly Argent), which has been building smart contract wallets since 2017. What set it apart from most rivals was the self-custodial model: USDC stayed in the user’s own Starknet wallet and was only debited at the moment of purchase. At the end of July 2026 the programme stopped — issuer Kulipa wound down and the card ceased working. User funds were unaffected and paid subscriptions are being refunded automatically.
Key terms
- Card type: Mastercard debit in two tiers — Lite and the metal Metal card (programme paused)
- Supported currencies: USDC on Starknet only
- Where it works: was available across the EEA and the United Kingdom; new applications are not accepted at the moment
- Fees: Lite — free, with a 1% FX fee; Metal — 120 USDC a year with 0% FX; free ATM withdrawals up to $200 a month on Lite and $800 on Metal
- Cashback: 0.5% in STRK tokens on Lite and up to 3% on Metal
Key features
Ready was built as a bridge rather than a custodian: private keys stayed with the user and the card pulled USDC from the smart contract wallet at checkout. That is exactly why the issuer’s collapse left balances untouched — unlike custodial services, Kulipa held no customer funds. Still, the story is instructive: on 16 June 2026 the service cut off non-EEA users with about an hour’s notice, and by late July the card had stopped entirely. The team says it is building the next version of the product on new infrastructure, but has not confirmed a relaunch date, a new issuer or any pricing.
How to get the card
- The card cannot be ordered right now — the programme is paused and new applications are closed.
- The Ready wallet keeps working, and assets remain under the user’s own control.
- Watch Ready’s official channels: the team has promised to announce the terms of a new card programme.
Frequently asked questions
It is a Mastercard debit card from the Ready wallet, built on Starknet. Unlike custodial cards, USDC stayed in the user's smart contract wallet and was only debited at the moment of payment, with the transaction routed through the Mastercard network. The programme is currently paused.
The card was issued to residents of the EEA and the United Kingdom, but service outside the EEA ended on 16 June 2026 and the programme stopped entirely in late July. New coverage will be announced alongside any relaunch.
Yes, KYC was mandatory and handled by the issuer, Kulipa; Ready itself did not store personal data on its servers. Verification terms for a future programme will depend on the new partner.
The baseline terms were: Lite — free with a 1% fee on transactions in another currency; Metal — 120 USDC a year with zero FX fees; and free ATM withdrawals capped at $200 and $800 per month respectively. Pricing for a new programme has not been announced.
The card supported Google Pay; Apple Pay support was announced but never shipped before the programme stopped.