According to @MikeSilagadze, many competitors in the crypto card and crypto neobank space use predatory fee structures, including 2% deposit fees, hidden 2–4% foreign exchange fees, gas fees charged on every transaction, and card issuance costs of 10 to 100 dollars, while declining to name specific firms; he characterizes these practices as user deception and abuse. Source: @MikeSilagadze on X, Sep 3, 2025.