Pera Wallet is a non-custodial mobile and web wallet for the Algorand blockchain, built and maintained by the Hipo team that also develops Tinyman and other Algorand ecosystem projects. The product began as the official Algorand Wallet in 2019 and was relaunched under the Pera brand in 2022, with backing from the Algorand Foundation, Borderless Capital, Arrington Capital, and DWF Labs in 2023.
The Pera Card is a crypto debit card offered by Pera Wallet (Algorand), available in UK/EU/NZ. It offers 2% USDC cashback rewards on purchases. 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 Mastercard network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 2% | 2% cashback in USDC on eligible purchases |
Note: Non-custodial Mastercard debit card on Algorand, launched May 2025 via Immersve. Spend USDC (USDCa) from your Pera Wallet at any Mastercard merchant via Apple Pay/Google Pay. Funds deposited to a dedicated on-chain card address (not centralized custody); withdraw instantly via Immersve or permissionlessly after a 7-day delay. Real-time on-chain settlement leveraging Algorand instant finality. Minimal Algorand network fees (~0.001 ALGO per tx). No annual or signup fees. 2% cashback paid in USDC to spending wallet. Available in UK, Germany, Italy, Spain, New Zealand.
Other crypto cards in the same region or category that may suit your spending profile:
The Pera Card is a crypto debit card offered by Pera Wallet (Algorand). It is available in UK/EU/NZ and allows users to spend cryptocurrency at merchants worldwide.
The Pera Card offers 2% USDC cashback.
The Pera Card has an annual fee of $0. Additional fees: Conversion fee: ~0.001 ALGO network fee.
The Pera Card is available in UK/EU/NZ. Its availability status is "UK, Germany, Italy, Spain, New Zealand".
The Pera Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Pera 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.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.