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What changed

Facts move. This feed records when they did.

  • 2026-10-05 Kolo Card: sync-fact → Provider transitions documented in ToU v3.0.0 (1 July 2026): crypto-asset services by Cryppo, UAB (Lithuanian VASP, code 305936248) up to 31 Dec 2025, then BURVIX SP. Z O. O. (Polish VASP, company number 0001131882) from 1 Jan to 30 Jun 2026, then Hardline Holding Limited exclusively from 1 Jul 2026. From 1 Jul 2026 the wallet moved to an MPC non-custodial model (no transaction without the user's key share). Wirex confirmed the partnership on LinkedIn ('Kolo is now live on Wirex BaaS'). CEO: Pav
  • 2026-10-04 Xapo Bank: sync-fact → 2026-09-26
  • 2026-10-04 Xapo Bank: sync-fact → "Xapo Bank Limited ... is regulated by the Gibraltar Financial Services Commission under the Financial Services Act 2019 as a 'credit institution' under Permission No. 23171. Xapo VASP Limited... regulated... as a 'DLT Provider' under Permission No. 26061." USD balance "protected by the Gibraltar Deposit Guarantee Scheme up to the USD equivalent of £120,000"; crypto services via the VASP entity are NOT covered by the guarantee.
  • 2026-10-04 Xapo Bank: sync-fact → Xapo Bank Limited (Gibraltar company No. 111928, GFSC credit institution, Permission No. 23171) + Xapo VASP Limited (GFSC DLT Provider, Permission No. 26061)
  • 2026-10-04 Xapo Bank: sync-critical → Explicit exclusion list (FAQ membership): Afghanistan, Belarus, Bosnia and Herzegovina, Central African Republic, Cuba, Democratic Republic of the Congo, Haiti, Iran, Iraq, Ivory Coast, Lebanon, Libya, Mali, Myanmar, Nicaragua, North Korea, Palestine, Russia, Serbia, Somalia, South Sudan, Sudan, Syria, Ukraine, United States of America, Venezuela, Yemen, Zimbabwe - the US is explicitly NOT served.
  • 2026-10-04 Xapo Bank: sync-fact → GENERAL 1% BTC cashback REMOVED 2026-07-01, replaced by targeted campaigns: "From 1st July 2026, we're evolving our rewards programme. The general cashback on everyday card spend is being replaced with exclusive, targeted campaigns." CURRENT campaign as of 2026-09-26: 3% Taxi Cashback (MCC 4121, Metal cardholders only), 2026-07-01 to 2026-09-30 per legal.xapobank.com Supplemental Terms (dated 13th August 2026). "Cashback is paid into your BTC account on the 5th of each month." The marketing blog
  • 2026-10-04 Xapo Bank: sync-fact → The general cashback on everyday card spend ENDED 1 July 2026 ('being replaced with exclusive, targeted campaigns'). Current documented campaign: 3% cashback in BTC on all taxi and ridesharing services (MCC 4121, incl. Uber/Lyft), Metal cardholders, credited into the BTC account on the 5th of the following month. Campaign period contradicts itself: marketing/help say 1 July - 31 October 2026, the supplemental cashback T&C says 1 July - 30 September 2026.
  • 2026-10-04 Xapo Bank: sync-fact → Campaign: 3% on taxi/rideshare (MCC 4121) spend, Metal cardholders only, runs 1 July - 31 October 2026 per marketing (T&C says 30 September - dates contradict)
  • 2026-10-04 Xapo Bank: sync-fact → BTC
  • 2026-10-04 Xapo Bank: sync-fact → 3
  • 2026-10-04 Xapo Bank: sync-fact → USD 2,000/day (raises to USD 750,000 case-by-case)
  • 2026-10-04 Xapo Bank: sync-fact → USD 50,000/day in-store + USD 50,000/day online
  • 2026-10-04 Xapo Bank: sync-fact → $1,000 USD annual membership (approx. $83.33/month equivalent); 30-day full-refund window on the membership; no FX fees on card spending; BTC spending from the BTC wallet carries a documented 0.29% spread (operator FAQ) - the 2025 blog advertised 0.1%, older figures are stale; USD Savings rate 4.1% APY (4.6% promo) from 22 Sep 2026; BTC Savings 0.25% APY paid daily; Lightning deposits/withdrawals free of processing fees.
  • 2026-10-04 Xapo Bank: sync-fact → First $100/month of ATM withdrawals free, then 2%; ATM operator fees may apply; ATM daily limit USD 2,000
  • 2026-10-04 Xapo Bank: sync-fact → Card included with membership; new $25 replacement-card fee
  • 2026-10-04 Xapo Bank: sync-fact → visa
  • 2026-10-04 Wirex: sync-fact → Wirex Limited - institution supervised by the Superintendency of the Financial System of El Salvador (SSF); Visa & Mastercard principal member. Wirex One crypto wallet: non-custodial, keys via Privy (Shamir secret sharing + AWS Nitro Enclaves), exportable to MetaMask/Phantom. Verified 2026-10-03.
  • 2026-10-04 Wirex: sync-fact → Wirex One program (2026): every eligible card transaction earns cashback in USD - not in crypto or tokens. Tiers: Base 0.5%, Premium 1%, Elite 3%, Private 5%, Bespoke 8%. ATM withdrawals, refunds and defined MCC categories excluded. The legacy "Cryptoback" branding survives in marketing; the payout is fiat (wirexone.freshdesk.com, checked 2026-10-01).
  • 2026-10-04 Wirex: sync-fact → 30,000 EUR per transaction and per month (virtual + physical); Metal card 30,000 EUR/transaction, 75,000 EUR/month (monthly cap increasable on request) - "per day" wording unsupported by the source (Wirex One "Card limits and fees" article)
  • 2026-10-04 Wirex: sync-fact → Wirex One (rebrand live since 2026-09-16) has NO subscription fee and no lock-up requirement. Custody: the crypto layer is NON-CUSTODIAL - "Wirex One is non-custodial: your wallet is controlled by keys that only you can authorise the use of. Neither Wirex nor Privy holds your assets on your behalf or can move your funds. Your assets, your control." (help center); the fiat/card rail is a regulated account (El Salvador SSF supervision).
  • 2026-10-04 Tuyo Card: sync-added → queued
  • 2026-10-04 Tria Card: sync-added → queued
  • 2026-10-04 Revolut: sync-fact → September 2026: customer data breach via fraudulent government-agency requests - exposed data includes ID documents, verification selfies, account statements (with IBANs), withdrawal records and full transaction histories including Bitcoin transactions (TechCrunch 2026-09-12, BleepingComputer).
  • 2026-10-04 Revolut: sync-critical → ["EEA","UK","US"]
  • 2026-10-04 Revolut: sync-fact → FX fair usage is plan-tiered and regional (official Personal Fees pages via Wayback, checked 2026-10-01): EEA Standard = 0% within EUR 1,000/month exchange, then 1% fair usage; EEA Plus = EUR 3,000/mo then 0.5%; Premium/Metal/Ultra no exchange limit. UK plans mirror in GBP (Standard 1% after GBP 1,000/mo). EEA ATM withdrawals: 5 withdrawals or EUR 200 per rolling month free, then a fee applies. US cards are PREPAID: "The Revolut Prepaid Visa and Revolut Prepaid Mastercard cards are issued by Lea
  • 2026-10-04 Revolut: sync-fact → 1
  • 2026-10-04 Revolut: sync-fact → Full KYC at signup (regulated EMI/bank depending on region). Crypto card payments: no exchange fee, but the plan fair-usage exchange limit (EEA Standard EUR 1,000/mo incl. crypto exchanges) can bite; conversion at the real-time rate at payment; taxable disposal in most jurisdictions.
  • 2026-10-04 RedotPay: sync-fact → August 2026: Binance sued RedotPay and its founders in Hong Kong for approximately $472.8M, alleging the firm diverted about 470,000 Binance-coin users' assets (CoinDesk 2026-08-05); a parallel Singapore case exists. RedotPay disputes the claims. September 2026: IPO preparation reported with completed Big Four financial audit and AML/CFT review (CoinDesk 2026-09-28).
  • 2026-10-04 RedotPay: sync-critical → ["Binance lawsuit (~$472.8M, Hong Kong, Aug 2026) alleging diversion of ~470,000 users' assets - unresolved litigation against the operator and founders","Custodial balances with documented freeze powers: accounts can be restricted or frozen if compliance checks fail","No issuing bank/BIN sponsor disclosed","Cashback (Pro) paid in USDs - in-app credit only, never withdrawable","FX 1.20% on non-default currency; ATM 2-3%","Base rewards are in-app points, not cashable"]
  • 2026-10-04 RedotPay: sync-fact → Pro membership ($12.90/mo or $129/yr): 3% cashback on Apple Pay/Google Pay purchases up to $18/month, paid in USDs - usable only for future card transactions, cannot be withdrawn, transferred or used to purchase cards. Pro ANNUAL members additionally receive a $1,000/month ATM-fee waiver (help center, "Getting Started with RedotPay Pro"). Base product: points for in-app rewards only, not cashable.
  • 2026-10-04 RedotPay: sync-fact → $18 per month, Apple Pay and Google Pay purchases only (Pro membership)
  • 2026-10-04 RedotPay: sync-fact → USDs
  • 2026-10-04 RedotPay: sync-fact → 3
  • 2026-10-04 RedotPay: sync-fact → Official fee table (helpcenter article updated 2026-07-24, image OCR): crypto-conversion fee 1.00% per transaction; no monthly or annual account maintenance fees (waived effective 2025-12-01); FX: non-default-currency transactions 1.20%; virtual card 10 USD, physical 100 USD (standard mail free). Third-party (review-only, not in the official table): selected-merchant transaction fee 1.5% min $0.50 with up to 3 monthly waivers. Pro membership ($12.90/mo or $129/yr) waives the virtual card fee and
  • 2026-10-04 RedotPay: sync-fact → 2% below 10,000 USD/month withdrawals, 3% above; ATM daily limit 23,000 HKD / 3,750 USD; monthly 75,000 HKD / 50,000 USD
  • 2026-10-04 RedotPay: sync-fact → null
  • 2026-10-04 RedotPay: sync-fact → Virtual Card $10.00 USD; Physical Card $100.00 USD (standard mail waived)
  • 2026-10-04 RedotPay: sync-fact → KYC is mandatory before ANY use (official help center: 'Identity checks are required before you can use RedotPay') - personal details, ID photo and face scan; iOS 12.2+ requirement. The old 'KYC only at higher tiers' framing is wrong per current official copy. Citizens of documented restricted countries cannot complete verification.
  • 2026-10-04 RedotPay: sync-fact → verified
  • 2026-10-04 RedotPay: sync-critical → active
  • 2026-10-04 PST.NET: sync-fact → 2026-09-26
  • 2026-10-04 PST.NET: sync-fact → NOT DOCUMENTED: no operator entity, governing law, or card-issuer partner is named in any retrievable official text; the legal information page (pst.net/legal/terms, HTTP 200, fetched 2026-09-26) renders only nav + footer shells. This transparency gap is itself a published red flag.
  • 2026-10-04 PST.NET: sync-fact → null
  • 2026-10-04 PST.NET: sync-fact → null
  • 2026-10-04 PST.NET: sync-fact → PSTNET (PST.NET)
  • 2026-10-04 PST.NET: sync-critical → ["Regulated issuing side runs through unnamed 'Financial Partners' - no issuing bank is contractually named","Trustpilot (Nov 2025 archive, 407 reviews, 4.2): reviewer documents account closure under 'Compliance' restriction after requesting a refund","Bitcointalk 2023 case: $27,500 deposit withheld pending review (operator responded in-thread citing 14-day refund windows)","Prohibited-use charge of 30% (min $5) can be deducted from balances","Withdrawal review window up to 14 days"]
  • 2026-10-04 PST.NET: sync-fact → 1
  • 2026-10-04 PST.NET: sync-critical → Onboarding restricted: US, Canada, Russia, Belarus, Ukraine, China, Hong Kong, Serbia and further jurisdictions per the Restrictions doc (Sep 2026).
  • 2026-10-04 PST.NET: sync-fact → "Cashback 3% — For advertising spend on Google and TikTok. 100 free cards — Complimentary monthly card issuance." (pst.net/private, fetched 2026-09-20). Ad-spend cashback only - NOT general spending; destination (BTC/account credit) NOT DOCUMENTED in retrievable pages.
  • 2026-10-04 PST.NET: sync-fact → PST Private subscription benefit: 3% cashback on Google/TikTok ad spend only (official /private page + FAQ, updated 2026-07-31); not available on Ultima cards; paid as CREDIT toward the Private subscription renewal on renewal day - not in BTC/USDT. 100 free cards/month on Private.