A closed crypto card programme, and what to do with a balance still sitting on it

Updated October 2026

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If you have been searching for the Infini card, the short answer is that the programme you may have read about is no longer issuing new cards. On 17 June 2025, Infini announced that its Global, Lite and Tech cards were suspended both for new applications and for further use. What is left, for the people who already hold a card, is an account with a balance they need to get out, and a set of decisions about what to use instead.

This page is a review of the Infini card as it stands in October 2026. I have gone through the company’s own site, the App Store listing, the public reports from 2025 about a USDC vault incident, and the alternatives that replace the same job. I have written it for someone who arrived here with one of three questions: what is this card, should I try to get one, and if I already have one, what do I do now.

The conditions and figures described below are current as of October 28, 2026.

Verdict

Infini scores 4.1 out of 10 on the scale I use for crypto cards. The score is not a verdict on the people who built the product: the on-paper cost structure was genuinely generous, with no monthly or annual fee, a zero transaction fee, and a 0% FX mark-up on the top Max tier. The problem is that the programme is no longer open. The “Who can get it” line is the one that pulls the whole number down, and rightly so. A card that you cannot apply for cannot be recommended on its own terms.

The rest of the picture, in short, is this. The cost side of the card was strong. The reliability and trust side of the card was weak, and was already weak before the suspension: the issuing bank is not named on the site, the company behind the programme is a Hong Kong LLC, and a US$49.5 million USDC withdrawal from the platform’s vault in February 2025 is a public record. For an existing cardholder, the practical question is no longer “is this card any good” but “where does the remaining balance go, and which card takes the slot this one used to fill”.

The audience this card fits today, on the published facts, is narrow: existing holders who are moving their remaining balance out and deciding what to use next. For everyone else, the question is which alternative card does the same job.

What happened to the programme

Two dates matter, and they are worth keeping in order.

The first is 24 February 2025. Decrypt, citing blockchain security firms Cyvers and QuillAudits, reported that around US$49.5 million in USDC was taken from the Infini vault. The withdrawal, according to the security firms, was carried out using admin privileges that a former developer had kept after leaving the company. Infini said at the time that withdrawals and payments continued to work, and the founder said the company could fully compensate users. The event is part of the public record of the card’s history, and the reason the reliability score above is where it is.

The second date is 17 June 2025. On that day, according to reporting by WuBlockchain on 23 June 2025, Infini notified users that all Global, Lite and Tech cards were being suspended, both for new applications and for ongoing use. The co-founder cited high compliance costs and thin margins, and pointed to a shift in the company’s focus toward wealth management products. Card issuance fees, the notice said, would be automatically refunded to the user’s Infini balance within ten business days. Deposits, withdrawals and the Earn product continued to operate.

The combination is what makes the card hard to recommend in its current form. The February event, on the public reporting, was a serious incident at the custody layer that underpins the card. The June decision was a business call to stop running the personal card programme and move resources elsewhere. Neither fact on its own necessarily means the platform is unsafe today, but together they explain why the score is where it is and why the rest of this page treats the card as one you are leaving rather than one you are joining.

A few details the company has not published, and which I flag as not stated rather than guessing at. The card-issuing bank is not named on Infini’s public pages. The site says the company works with “regulated financial institutions” and shows an FCA mark without a licence number, and the company itself is Cynosure Technology LLC, registered in Hong Kong. Personal-card eligibility, in the sense of country list and age, is not stated on the site; the platform as a whole advertises 180+ supported countries, and the App Store listing says card “feature availability may vary by account permissions, account status, and region”, which is the standard hedging line. The KYC documents required for a personal card are not listed. The card network, virtual or physical, is not named, and the Max tier’s compatibility with Apple Pay and Google Pay is the only public confirmation of a network-agnostic mobile wallet integration.

The Max tier itself is a separate piece of the picture. App Store release notes from August and September 2026 describe a new “Max Card experience” and the introduction of business sub-accounts, which suggests the Max product line is still being developed. For a personal customer, the published status of the Max card at the time of writing is unclear. I would not treat that as confirmation that a new personal card is open for application; I would treat it as a sign that the product is in flux and that the practical advice is the same either way.

If you already have the card

If you already hold an Infini card, the questions are different from those of a new applicant. You are not choosing whether to use Infini; you are choosing how to leave it, in what order, and into what.

The first thing to check is whether your card is one of the suspended tiers. The June 2025 notice covered Global, Lite and Tech cards. If your card sits in one of those, the spending and loading functions have been stopped, and the open question is what to do with the balance still on the platform.

The second thing to check is the balance itself. The card spent from a pre-loaded balance in USD, with USDC and USDT as the supported top-up coins. The wallet also holds BTC, plus USD and EUR local accounts. App Store release notes have mentioned BTC withdrawals and fixes around “withdrawal address matching”, which is the kind of detail that matters when a stablecoin-oriented user is moving to a different network for the first time. The pricing page does not list a withdrawal fee, an inactivity fee or a closure procedure, and the help centre does not fill in those gaps publicly. If you are a holder, this is the question to put to support before you move any large amount: what address formats are accepted, what is the minimum, and how long does the withdrawal take.

The third thing to check is the fiat top-up route. The site describes fiat deposits via a partner called Iron, with a 0.20% fee plus a rail fee that depends on the channel: ACH $1, FedNow $1, RTP $1, wire $20, SEPA in EUR 1. Those are the numbers on the published page, and they tell you two things. First, ACH and the instant US rails are far cheaper than the SWIFT wire. Second, the only published SEPA fee is 1 EUR, which is low compared to the cards in the alternatives section. Neither of these fees applies if you are withdrawing, only if you are topping up; I mention them because some users ask support whether reversing a top-up is a withdrawal, and the answer is generally that a refund goes back to the original method with its own fee rules.

The fourth thing to check is the dispute and refund path. The pricing page lists a 1% refund fee on both Pro and Max cards, which is a charge the issuer takes on the merchant side rather than something the cardholder pays. The dispute and chargeback process, the time frames and the documents required are not described. If you have an open chargeback with Infini, the fact that the programme is suspended does not by itself resolve it, but it does mean you should expect a longer and more manual process.

The fifth thing to check is the support channels themselves. The published contacts are an email address at [email protected], a Help Center Telegram channel at t.me/infini_official and an X account at @0xinfini. The site does not list office hours, languages or a phone number. The app added Thai in version 1.1.0, which is a hint at the languages the team supports but not a guarantee of live coverage in your time zone. The Trustpilot and Reddit pages for Infini that one would normally look at are not present as of the search done for this review; that absence is itself a fact, and one that should make a holder treat each support interaction as the main written record of the case.

A small number of practical points that come up when holders move money out. The card’s published top-up networks for USDC and USDT are not specified, so any address you copy from inside the app should be read twice and confirmed on a test amount first. If you have set up a card-to-card transfer plan, an automatic payment or a subscription paid by the Infini card, the suspension means those payments have stopped; each provider will need to be told, and each will have its own retry logic. The app’s account closure path is not described publicly, and the help channel is the right place to ask whether closing the wallet also closes the platform account or only the card.

What can go wrong

The risks on this card fall into three groups, and I want to keep them separate because they have different solutions.

The first is the operational risk that the programme’s suspension illustrated. A card programme lives or dies on its issuer relationship, and an issuer can stop, a network can withdraw its licence, and a card brand can change its policy. Visa terminated its global agreements with FTX in November 2022, and WaveCrest, a Visa issuer that supplied several crypto card programmes, was suspended by Visa in Europe in 2018 with the result that all WaveCrest-issued Visa programmes in the region closed. These are not theoretical events; they are the standard end states of a crypto card programme that loses its rail. The lesson is that the cost of a card on day one, which is what Infini scored well on, is only one of the things a user is paying for; the other is the durability of the issuer behind the BIN, which is rarely discussed on the marketing page.

The second is the custody risk that the February 2025 incident illustrated. US$49.5 million in USDC was taken from the platform’s vault by admin credentials that a former developer had kept. The platform says funds are held in bankruptcy-remote, segregated accounts with regulated financial institutions, and that crypto assets are held in multi-sig MPC wallets, with audits and penetration tests by a firm called Exvul. The site also claims SOC 2 Type II and PCI-DSS Level 1 compliance. These are the standard claims of a custodial crypto platform, and they describe the intended state. The intended state and the realised state are not the same thing, and a public incident of this size is the kind of evidence that should make a user ask whether the claims reflect a stable system or a target the company is still moving towards.

The third is the customer-protection gap that the published terms illustrate. The issuing bank is not named. The company behind the card is a Hong Kong LLC. The card’s dispute and chargeback process is not described in public. The custody model for personal users, in the sense of who holds the funds and under what insolvency regime, is not described. The card is described as a stablecoin-funded prepaid card, and the protections for prepaid cards vary by jurisdiction; the US debit card reversal rights come from Regulation E and the credit card rights from Regulation Z, but prepaid-card coverage should not be assumed.

Two smaller risks are worth naming. Stablecoins are not risk-free assets despite the name. USDC briefly lost its peg during the March 2023 US banking crisis, and Tether has said it disables tokens held in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity; that is the censorship-resistance trade-off in practice. And blockchain transfers are generally irreversible, which means a deposit sent on a network Infini does not support, or to an address of another network, can be lost or require manual support recovery with no guarantee.

What to take instead

The job the Infini card used to do was a small one: turn a stablecoin balance into a payment card with low fees, in a wallet most people can install. There are three other cards in the same rough category, and I have scored them the same way I scored Infini. None of them is a like-for-like replacement; each one makes a different trade-off, and the right choice depends on which Infini feature you actually used.

Bitrefill scores 6.8 out of 10. The card is free through the Bitrefill app, and the published cashback is 2% in total with no cap: 1% on each crypto deposit and 1% on each purchase. The card is issued as a Visa in both virtual and physical form, and the deposit spread is taken at the moment crypto is converted to euros, which is the model most European users will recognise. SEPA pay-ins cost 1.99%. The country list is not stated, and the terms make clear that access depends on eligibility checks by partners. The reason the score is higher than Infini is that Bitrefill’s programme is open and the cashback is published in plain numbers; the reason it is not higher is the spread on the conversion, which is the cost most users underestimate.

UPay scores 6.1 out of 10. The card is virtual or physical, personal or business, and the card page describes a conversion step at the moment of payment in USD, EUR, AED and other currencies. The home page lists 180+ supported countries with a “we do not serve residents of certain countries” caveat that any user should check before funding the wallet. The KYC partner accepts only ID documents issued by the same country as the user, which is a constraint worth knowing in advance. The wallet takes BTC, ETH and USDT, with USDC also listed, and the networks are not specified. The card page does not publish cashback or card fees in numbers. The reason the score sits where it does is that UPay is open and broadly supported, but the lack of published fee numbers means the user has to test before committing meaningful balance.

Kemy scores 6.0 / 10. The pricing is published clearly, which is the first thing I look for. A virtual card costs $15 to issue and is valid for three years, with a $2 monthly fee. A physical Mastercard with DHL Express delivery costs $250 to issue, again valid three years, with a $10 monthly fee, one card per user. Top-ups cost $1.5 below $100 or 1.25% from $100 up, with a minimum of $5 on virtual and $10 on physical. The transaction fee is 3.5% plus $1 on the virtual card, which is high. Funding is in USDT and USDC on the “main networks” with specific chains not listed, plus BTC, ETH and SOL through an on/off ramp, and fiat via mobile money and virtual bank accounts. Cashback is not mentioned. The reason the score is what it is: clear pricing, but a per-transaction fee of 3.5% plus $1 will dominate the cost of a small payment, and the issuance fees are real money up front.

The honest summary of the three is that none of them is a clean replacement for what Infini was selling. Bitrefill is closest in spirit if you were topping up with USDC or USDT and want the same kind of low-fee stablecoin-funded card. UPay is closer in scope if your priority was the country coverage and the option of a physical card. Kemy is closer in transparency if your priority was published numbers rather than marketing claims. The table below puts the same three in the same rows so the differences are visible at a glance.

The detail that none of the three alternatives make obvious, and that I want to spell out, is the BIN geography question. A card issued in one country can look “foreign” to a merchant in another, because merchants can look up the BIN to see which institution and country issued a card. Some merchants decline prepaid or foreign BINs by policy, and the Address Verification Service used to check billing addresses is mostly available in the US, Canada and the UK, so a foreign-issued card can be declined at checkout for reasons that have nothing to do with the user’s balance. This is a structural feature of how card payments work, not a flaw in any one of the three cards above, and it is the reason the cost headline of any card is only part of the decision.

Who I would recommend it to

The honest answer to “who should I recommend the Infini card to” is shorter than it would be for an open programme, and it is also less comfortable.

For someone who has never had the card and is looking for a low-fee stablecoin-funded Visa or Mastercard to use today, I would not recommend Infini. The programme is closed for new applications, the personal Max card is in flux, and the 0% FX on the top tier is a benefit that only existing users can confirm they still see. The alternatives section above lists three programmes that are open and that publish enough of their fee structure to be compared on numbers rather than promises.

For someone who already holds an Infini card, I would recommend completing the move in three steps, in order. First, stop using the card for any new spend and cancel any subscriptions and direct debits charged to it, because a suspended card will fail at unpredictable times. Second, withdraw the balance to a wallet where you control the keys, in two parts: a small test transaction on each network, then the main balance, because blockchain transfers are irreversible and the supported networks for USDC and USDT are not specified on the public page. Third, open a replacement card from one of the three alternatives above, fund it with a small test amount, and only then close the Infini account. The order matters because the alternative card has its own KYC and its own top-up friction, and you do not want to be without a working card while the new one is being approved.

For someone in a country where ordinary banking is restricted, the more general advice is to treat any single crypto card as one rail among several, not as a primary bank account. A card balance is a payment instrument, not a deposit, and the protections for prepaid cards vary by jurisdiction. The features that make a card programme useful in a restricted-banking context, which are the features the Infini card listed in its marketing, are also the features that disappear the fastest when the programme changes direction. A second card from a different issuer, a self-custody wallet, and a small fiat reserve are the parts of the stack that survive a programme change.

Frequently asked questions

What is the Infini card?

The Infini card is a payment card linked to a stablecoin-funded balance inside the Infini wallet. The programme offered three personal tiers, called Global, Lite and Tech, plus a higher Max tier, and accepted USDC and USDT as the main top-up coins. The card is a virtual card, and the Max tier was compatible with Apple Pay and Google Pay.

How does the Infini card work?

You top up the wallet with USDC or USDT, or with USD or EUR through a partner called Iron, and the card spends from the resulting balance. The pricing page describes a pre-loaded model: the user converts or tops up a fiat-denominated balance first, and the card can spend only that balance, so the card cannot overdraw. The actual conversion step and the card network were not described on the public site.

Is Infini a bank?

No. Infini is a crypto platform that ran a card programme through partner financial institutions, and the issuing bank is not named on the public site. The company behind the platform is Cynosure Technology LLC, registered in Hong Kong. The site shows an FCA mark without a licence number, which is the kind of detail that distinguishes a marketing claim from a regulated authorisation.

Who owns Infini?

The corporate owner is Cynosure Technology LLC in Hong Kong, which is the seller named on the App Store listing and the company identified on the site. Individual founders are not part of the public card-marketing page, although the co-founder’s comments on the June 2025 suspension are quoted in the WuBlockchain report. The ownership and control structure of the company beyond the LLC is not described on the public site.

Is the Infini card available in my country?

For the three suspended tiers, no new applications are being accepted as of the 17 June 2025 notice. For the Max card aimed at personal customers, the published status is unclear. The platform as a whole advertises 180+ supported countries, and the App Store listing says card feature availability varies by account permissions, account status and region, which is the kind of line that means the user has to check at sign-up rather than rely on a country list.

Can I use the Infini card in my country?

If your card is one of the Global, Lite or Tech tiers, spending and loading are suspended from 17 June 2025. If your card is a Max tier, the published status is unclear and the practical answer is to test a small payment in person before relying on the card for anything time-sensitive. Card acceptance at a specific shop depends on the merchant’s card acceptance policy, not just on the card itself.

How do I top up the Infini card?

The published funding paths are USDC and USDT, USD and EUR local accounts, and fiat deposits through Iron at 0.20% plus a rail fee (ACH $1, FedNow $1, RTP $1, wire $20, SEPA in EUR 1). The first card is free, and the minimum initial top-up is US$10. The networks used for USDC and USDT are not specified, which is the detail that determines whether a transfer arrives at all.

Is the Infini card free?

The first card is free, with no annual fee, no monthly fee and no per-transaction fee. The refund fee is 1% on Pro and Max cards. The FX fee depends on the tier: 1% on Pro, 3% on Lite, 0% on Max. The Max tier also charges 1% cross-border outside Hong Kong and a $0.30 fee on transactions under US$50. These are the published numbers, and they apply to the tiers that were open at the time of pricing.

Is the Infini card safe?

The site claims SOC 2 Type II and PCI-DSS Level 1 compliance, multi-sig MPC wallets for crypto, and bankruptcy-remote segregated accounts for fiat. A public incident in February 2025 saw around US$49.5 million in USDC taken from the platform’s vault, and the card programme itself was suspended in June 2025. The combination of those facts is the reason the reliability score is at the bottom of the table above, and the reason I would not characterise the card as safe in any absolute sense.

How do I close my Infini account?

The account closure path is not described publicly. The right route is to contact support at [email protected] or through the Help Center Telegram channel at t.me/infini_official, withdraw any remaining balance first, and keep a written record of the closure request. Closing the wallet in the app is not necessarily the same as closing the platform account, which is why the email confirmation matters.

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