$0 to create
No upfront fee just to hold a card. Freelancers shouldn’t pay rent on plastic they never asked for.
Optional spend layer
A free virtual card—when you’re ready to spend.
Card is not the product—it’s an optional rail on your Vybe balance. Open your balance today. Request early access for the virtual card when it opens. Planned: $0 creation, $0 maintenance.
Free to open. 1.5% on payment requests.
How the balance worksThe offer
Spend should not start with a fee schedule.
You already earn. The missing piece—when you need it—is checkout without paying for the privilege of holding a card.
$0 to maintain
No monthly “keep the card alive” charge. If you’re not spending, you’re not being nickeled.
Spend from the same balance
When it ships, checkout pulls from money you already hold—not a separate card product you fund twice.
Waitlist
Balance first. Card when it earns its place.
We ship the money app people use weekly before we unlock card spend. That way the card isn’t an orphan product—it’s one more way out of a balance you already trust.
- Early access from your Vybe dashboard
- Tell us your spend volume so we size the rollout
- Issuance and compliance via licensed partners
Roadmap in plain English
Where we are—and what’s left.
Balance + pay by @username
Sign in, claim your name, get paid by invoice or transfer, pay friends. This is the foundation—card is optional on top.
Bank funding & cash out
Fund and withdraw through licensed partners so your balance works when crypto rails aren’t the right path.
Virtual card spend
Identity checks and virtual Visa issuance through partners. Request access from the dashboard when seats open.
Open your balance. Join the card waitlist when you’re ready.
Early access goes to people already using Vybe—because the card only makes sense if the balance already works for you.