Baanx is a London-based fintech that provides white-label crypto card issuing and embedded-finance infrastructure for crypto wallets and exchanges, and operates the Crypto Life (CL) consumer card brand. The company holds an Electronic Money Institution authorization in the UK and EU/EEA, and has partnered with Mastercard, Visa, Ledger, 1inch, MetaMask, and Tether to issue card products.
The Baanx / Ledger CL Card is a crypto debit card offered by Baanx (Crypto Life), available in US/UK/EU/LATAM/Canada. It offers 1-2% cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires standard identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| BTC/USDC | 1% | Default reward |
| BXX Token | 2% | Paid in BXX token |
Note: Also available as Ledger CL Card. 1.75% FX/conversion + 2% card spend fee on crypto-funded transactions (~3.75% total) erodes cashback. NOT available in NY/VT. Cashback: 1% BTC/USDC (US) or BTC/USDT (RoW), 2% in BXX. Exodus COMPLETED acquisition of Baanx/Monavate (May 1, 2026) for $76.27M (Monavate+Baanx.com) + $5M cash + $25M deferred (Baanx US). W3C Corp defaulted on $70M loan; receivers appointed Apr 28, 2026. Card services expected to continue unchanged under Exodus ownership.
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The Baanx / Ledger CL Card is a crypto debit card offered by Baanx (Crypto Life). It is available in US/UK/EU/LATAM/Canada and allows users to spend cryptocurrency at merchants worldwide.
The Baanx / Ledger CL Card offers 1-2% cashback. There are 2 tiers: BTC/USDC (1%), BXX Token (2%).
The Baanx / Ledger CL Card has an annual fee of $0. Additional fees: Conversion fee: 1.75% + 2% card spend; FX fee: 1.75%.
The Baanx / Ledger CL Card is available in US/UK/EU/LATAM/Canada. Its availability status is "Global".
The Baanx / Ledger CL Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Baanx / Ledger CL Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Baanx / Ledger CL Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.