Cashback5%on all purchases
Lava Card
Visa · Standard · Non-Custodial · Issuer: Nimbus
LavaVisaNon-Custodial
Cashback5%in BTC
FX Non-USD1%Visa
FeesFree
Cashback
Lava Card fees
| Monthly fee | Free |
| FX fee (non-USD) | 1% |
Features
Virtual cardApple Pay / Google PayDeFi integration
About Lava Card
Lava Card is a Visa card backed by Bitcoin collateral — not stablecoins in a custodial wallet. You deposit BTC, borrow dollars at a fixed rate starting at 5%, and spend anywhere Visa is accepted, earning 5% back in Bitcoin on every purchase. Your BTC stays on-chain in self-custody via Discreet Log Contracts and proof-of-reserves. Backed by Founders Fund, Khosla Ventures, Peter Thiel, and Visa with $230M+ raised. Currently available via waitlist at lava.xyz.
Lava Card FAQ
How does Lava Card work?
Lava Card lets you spend dollars from your Bitcoin-backed loan balance without selling your BTC. You deposit Bitcoin as collateral, borrow at a fixed rate, and spend anywhere Visa is accepted. You earn 5% back in Bitcoin on every purchase.
How do I get a Lava Card?
Lava Card is available via waitlist at lava.xyz/waitlist. After joining, you complete KYC (passport + selfie, ~3 minutes) and gain access to the platform and card.
What cashback does Lava Card offer?
Lava Card earns 5% back in Bitcoin on every purchase — rewards are paid in BTC, not points or stablecoins.
Do I need to sell my Bitcoin to use Lava Card?
No. Lava uses your Bitcoin as collateral to issue a dollar line of credit. Your BTC stays locked on-chain in self-custody with proof-of-reserves and zero rehypothecation.
Is Lava Card self-custodial?
Yes — Lava uses Discreet Log Contracts (DLCs) to lock Bitcoin on-chain. Your BTC collateral is never rehypothecated and can be verified via Proof-of-Reserves Plus at any time.
What is the minimum and maximum I can borrow with Lava?
You can borrow from $100 with no credit checks. Maximum loan is up to 50% of your Bitcoin collateral value (50% LTV).