Nexo Card

Nexo Card — Provider states: THIS IS A REAL MARKET RESTRICTION, NOT AN OFAC/SANCTIONS REPRESENTATION. Verbatim, https://nexo.com/crypto-card, loaded 2026-08-17: "Who can order a Nexo Card? The Nexo Card is currently available only to citizens and residents of selected European countries, including the European Economic Area (EEA) and the United Kingdom. To be eligible, you must complete Identity Verification with a supported identity document issued in the EEA, the United Kingdom, or another eligible country in Europe." That is a positive-list eligibility rule tied to citizenship, residence and document issuance, and it excludes the US, LATAM, APAC, MENA and Africa from ORDERING the card. Separately, and distinctly, the same page carries a general jurisdictional carve-out of the kind nearly every crypto ToS carries: "All or part of the Nexo Services, some features thereof, or some Digital Assets, are not available in certain jurisdictions, including where restrictions or limitations may apply, as indicated on the Nexo Platform and in the relevant general terms and conditions." I found no OFAC/sanctions-list representation on the card page itself. Note the distinction a buyer must not blur: ORDERING is EEA/UK-only, while SPENDING is worldwide — "Use your wealth worldwide Make payments at over 100 million merchants globally." — which is why the fee table prices a "ROW" leg at 2% / 2.5% even though no ROW resident can obtain the card. supportedRegions is set from the ordering footprint, which is the buyer-relevant one.

ether.fi Cash

ether.fi Cash — Provider states: TWO DISTINCT THINGS FOUND, and they are not the same kind of restriction. (1) A GENUINE MARKET RESTRICTION, read on https://etherfi.gitbook.io/etherfi/legal/ether.fi-legal/terms-of-use.md (2026-08-17, 'Last Modified: August 3, 2026'): 'This Website is offered and available to users who are at least 18 years of age and are not restricted from using the Services based on their jurisdiction of residence or citizenship. Specifically, these Services are not available to residents or citizens of Canada or any Restricted Jurisdiction as defined below. Residents or citizens of the United States may use the Stake Service and, subject to specific eligibility requirements detailed in the applicable ether.fi Cash Cardholder Agreement - Inc. (U.S.) or ether.fi Cash Cardholder Agreement - Ltd. (U.S.), may also use the Cash Service the Liquid Reserve Service (currently unavailable for New York), but may not use the Liquid Service.' Canada is excluded by name; New York is excluded by name from one adjacent service. (2) A POSITIVE, ENUMERATED FOOTPRINT, read on https://help.ether.fi/en/articles/376356-physical-cards-everything-you-need-to-know (2026-08-17, 'July 10, 2026'): 'We currently ship to most supported countries. If your country isn't supported, the mailing option will not be available.' followed by 'Supported Regions ... Brazil, France, Germany, Hong Kong, Italy, Portugal, Spain, UAE, UK, Czech Republic, Denmark, Poland, Thailand, South Korea, South Africa, Japan, Switzerland, Argentina, Taiwan, Austria, Croatia, Cyprus, Gibraltar, Greece, Ireland, Norway, Luxembourg, Romania, Slovakia, Slovenia, Sweden, BVI, Cayman Islands, Antigua & Barbuda, Bahamas, Barbados, Belize, Bolivia, Costa Rica, Dominica, Dominican Republic, Ecuador, El Salvador, Grenada, Guatamala, Guyana, Honduras, Mexico, Panama, Paraguay, Peru, Puerto Rico, St. Kitts-Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad & Tobago, Turks & Caicos Islands, United States, Uruguay, Andorra, Iceland, Australia, Jersey, Canada, Malta, Palau, Lithuania, Guernsey, Singapore, Saudi Arabia, Indonesia, Bulgaria, Monaco, Malaysia, and New Zealand.' NOTE THE CONTRADICTION: that shipping list includes Canada, which the Terms of Use exclude outright. (3) SEPARATELY, and this is the standard OFAC/sanctions representation that nearly every crypto ToS carries and is NOT a regional footprint, read on the International cardholder agreement (2026-08-17): 'You are not a person who is blocked or sanctioned by the United States Government, including those identified by the United States Office of Foreign Asset Controls (OFAC).' and in the Terms of Use: 'You are not a resident, citizen, national or agent of, or an entity organized, incorporated or doing business in, Belarus, Burundi, Crimea and Sevastopol, Cuba, Democratic Republic of Congo, Iran, Iraq, Libya, North Korea, Somalia, Sudan, Syria, Venezuela, Zimbabwe or any other country to which the United States, the United Kingdom, the European Union or any of its member states or the United Nations or any of its member states embargoes goods or imposes similar sanctions ("Restricted Countries").' (4) A US/non-US SPLIT IN THE BINDING DOCUMENTS: the International agreement requires 'You attest that you are not a United States citizen, resident, taxpayer, or otherwise qualify as a U.S. person under U.S. tax laws or regulations. You understand that the Card Services are strictly prohibited for use by U.S. persons and are intended solely for those outside of the United States.' — US persons are served under a separate US cardholder agreement, not under the international one. (5) A NARROW OPERATIONAL CARVE-OUT on the Fee Schedule: 'ATM withdrawals are not allowed due to platform integrity and global compliance for the following FATF blacklist countries: Democratic People's Republic of Korea / Iran / Myanmar'.

Crypto.com Card

Crypto.com Card — Provider states: THIS IS A GENUINE MARKET-BY-MARKET FOOTPRINT, NOT AN OFAC/SANCTIONS BOILERPLATE — and the distinction matters here because the FEES themselves differ by market, not just eligibility. Evidence: https://help.crypto.com/en/collections/3374054-crypto-com-card-fees-limits (HTTP 200, loaded 2026-08-17) publishes '9 articles', each a separate binding schedule, verbatim: 'Crypto.com Prepaid Visa Card Fees and Limits (United States)', '(Singapore – applicable to Singapore residential address users only)', '(Singapore – applicable to non-Singapore residential address users only)', '(Europe – for users with a residential address in Europe)', '(Europe – applicable to non-Europe residential address users in Brazil and select LATAM markets)', '(United Kingdom)', '(Canada)', '(Australia, including New Zealand residents holding Australia-Issued Cards)', and 'Crypto.com Prepaid Mastercard Fees and Limits (Bahrain & select GCC markets)'. Note the last is a DIFFERENT SCHEME for a different region. The EEA cardholder agreement narrows one protection geographically — https://crypto.com/document/eu_card clause 5.1, verbatim: 'This Clause 5 only applies if the Merchant's bank is located within the European Economic Area (EEA), Switzerland, and the United Kingdom and the transactions being carried out are transacted in Euro, Pounds Sterling, or another currency of an EEA member state.' — i.e. chargeback rights do not travel with the card outside those markets. The same PDF splits the app operator by region: '"App" means the mobile application software owned and released by Foris DAX MT for users in the EEA and Foris DAX ME for non-EEA users'. SEPARATELY: I did NOT locate an OFAC/sanctions representation in the EEA cardholder agreement text I searched, so I am not reporting one; the geographic language above is footprint, not sanctions boilerplate. The legacy catalog record's availabilityTier 'global' overstates a product that publishes nine distinct regional schedules with materially different fees.

Bleap Card

Bleap Card — Provider states: THIS IS A REAL MARKET RESTRICTION, NOT THE STANDARD OFAC/SANCTIONS REPRESENTATION — and it is unusually broad. READ ON https://www.bleap.finance/en-us/legal-agreements/bleap-cardholder-terms-eea-bleap-sia (2026-08-17), clause 2.4 Territorial scope: 'Availability is limited to countries we support (currently the EEA and Switzerland, subject to exclusions and sanctions lists). We may add or remove territories for legal, regulatory or risk reasons.' Clause 3.1: 'You must be 18+, resident in a supported territory (currently the EEA or Switzerland, subject to Clause 5.2).' SEPARATELY, and this is a nationality bar rather than a residence or sanctions rule, clause 5.3 Restricted nationalities: 'We are unable to issue cards to users who either: (i) reside outside the EEA or Switzerland, or (ii) hold nationality of the following countries, regardless of residence: Afghanistan, Albania, Barbados, Burkina Faso, Burundi, Cameroon, Cayman Islands, Central African Republic, Congo (the Democratic Republic of the), Cuba, Haiti, Iran (Islamic Republic of), Iraq, Jamaica, Jordan, Kosovo, Lebanon, Libya, Mali, Morocco, Myanmar, Nicaragua, Nigeria, Pakistan, Panama, Philippines (the), Somalia, South Africa, South Sudan, Sudan (the), Syrian Arab Republic, Tanzania (United Republic of), Trinidad and Tobago, Turkey, UA-Occupied, Uganda, United Arab Emirates (the), United States of America (the), Vanuatu, Venezuela (Bolivarian Republic of), Viet Nam, Western Sahara, Yemen, Zimbabwe.' That list is far wider than any sanctions programme — it bars an EEA-resident holder of, among others, South African, Turkish, Emirati, Nigerian, Filipino, Vietnamese, Jamaican, Jordanian, Moroccan or Panamanian nationality from being issued a card at all, regardless of where they live. None of this appears on https://www.bleap.finance/en-us/card, which says only 'Works anywhere cards are accepted. Online, in-store, subscriptions, travel.' (read 2026-08-17). The programme entity's own passporting footprint is 28 EEA states from 15.07.2026 per the Latvijas Banka register entry read on 2026-08-17.

MetaMask Card

MetaMask Card — Provider states: THIS IS A MARKET RESTRICTION, NOT the standard OFAC/sanctions representation. MetaMask publishes an explicit positive allowlist plus a dated withdrawal. From https://metamask.io/card (loaded 2026-08-17), character-exact: 'MetaMask Card is currently available in: Andorra, Argentina, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Colombia, Costa Rica, Croatia, Cyprus, Denmark, Dominican Republic, El Salvador, Finland, France, Germany, Gibraltar, Greece, Guatemala, Guernsey, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Luxembourg, Malta, Mexico, Monaco, Netherlands, Norway, Panama, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Uruguay. Signups for MetaMask Card in the US and the UK are temporarily closed.' THE TWO OFFICIAL LISTS DISAGREE: the help-centre list at https://support.metamask.io/trade/metamask-card/what-is-metamask-card/ (loaded 2026-08-17) is the same set PLUS 'Bahrain' and 'Oman' — 47 entries against the marketing page's 45. Hence 'mena' is included in supportedRegions on the help-centre list only, and flagged as contested. SPENDING footprint is wider than the SIGNUP footprint, and MetaMask says so: 'Yes, you can spend with MetaMask Card anywhere Mastercard is accepted. Ineligible regions limit sign-ups, not spending.' (https://support.metamask.io/trade/metamask-card/card-faq/, loaded 2026-08-17). Sub-national restrictions also exist: 'The Metal card - the Premium tier (available for users in the United States, excluding Vermont)' and 'Users in New York and Texas can spend supported tokens on Linea and Base. Solana and Monad are not supported in these states.' (https://support.metamask.io/trade/metamask-card/what-is-metamask-card/, loaded 2026-08-17). No OFAC/sanctions clause was found on any card page; the geographic language here is entirely product-availability language.

Zeal

Zeal — Provider states: ZEAL PUBLISHES NO ELIGIBLE-COUNTRY LIST ANYWHERE, AND THE ONLY GEOGRAPHIC LANGUAGE IN ITS BINDING TERMS IS THE STANDARD SANCTIONS REPRESENTATION — NOT A MARKET RESTRICTION. From https://www.zeal.app/terms-and-conditions/ (loaded 2026-08-17, 'Last updated: 19 February 2026'), clause 5 Eligibility: '(ii) you must not be a resident of sanctioned jurisdictions according to any trade embargoes, UN Security Council Resolutions ("UNSCR") or HM Treasury's financial sanctions regime; and (iii) you must not be currently the subject of or subject to economic sanctions such as the United Nations Security Council Sanctions List, the list of specially designated nationals maintained by OFAC, the denied persons or entity list of the U.S. Department of Commerce or any similar list maintained by any other relevant sanctions authority.' And: 'You can only use our Services if permitted under the laws of your jurisdiction. For the avoidance of doubt, you may not use our Services if you are located in, or a citizen or resident of any state, country, territory or other jurisdiction where your use of our Services would be illegal or otherwise violate any applicable laws.' That is the generic OFAC/sanctions eligibility rule that applies everywhere; it is NOT a regional footprint and must not be read as one. The 'europe' classification is therefore INFERRED, not quoted, from three things Zeal does say: bank transfers run on a EUR SEPA rail — 'Euro bank transfers are processed by Monerium ehf (registered in Iceland No. 550512-1060)' and 'Receive SEPA bank transfers from anyone / Send EUR to any IBAN' (https://www.zeal.app/gnosispay/, loaded 2026-08-17); the issuer's Visa licence is from 'VISA Europe Limited' (https://www.zeal.app/, footnote 5); and the marketing names the audience as 'EU residents seeking better returns on cash savings' (https://www.zeal.app/learn/gnosis-pay-explained, loaded 2026-08-17). The '150+ countries' and '80M+ merchants' figures are ACCEPTANCE footprint — where you can spend the card — not availability, and must never be recorded as a residency footprint. I could not establish which countries can actually be approved for a card; see unresolved.

RedotPay Card

RedotPay Card — Provider states: BOTH kinds of language are present and they must be separated. (1) A GENUINE MARKET RESTRICTION, and it is large. https://helpcenter.redotpay.com/en/articles/14254838-card-issuance-restrictions (read 2026-08-17): 'Due to global sanctions and card network restrictions, RedotPay services are currently unavailable in the regions listed below. Residents of these areas are ineligible for both virtual and physical cards, and these locations cannot be registered as billing addresses.' The list is headed as sanctions-driven but is not: alongside Iran, North Korea, Russia, Cuba, Syria, Sudan and Belarus it names 'Singapore', 'South Korea', 'Croatia', 'Slovenia', 'Serbia', 'Montenegro', 'North Macedonia', 'Albania', 'Bosnia and Herzegovina', 'Netherlands Antilles', 'Mainland China' and 'United States'. Excluding Singapore, South Korea, the United States, mainland China and four EU/EEA or EU-candidate states is a commercial and regulatory footprint decision, not an OFAC representation, and it is the material fact here. (2) A POSITIVE REACH CLAIM, unquantified by country: 'Services are available in over 100 countries.' (https://helpcenter.redotpay.com/en/articles/11070044-redotpay-services-and-features, read 2026-08-17) and 'RedotPay cards are accepted in over 100 countries' (https://helpcenter.redotpay.com/en/articles/12410185-why-won-t-my-redotpay-card-work-in-some-countries, read 2026-08-17). (3) A STANDARD ELIGIBILITY REPRESENTATION, which is NOT a regional footprint: https://www.redotpay.com/terms/general (read 2026-08-17), clause 4.4(a): 'you understand that the promotion and/or distribution of the Services outside of Hong Kong may require a licence and that you confirm you are accessing and registering for the same on your own initiative without active promotion and/or solicitation from the Group' — a reverse-solicitation clause that applies everywhere outside Hong Kong. (4) A PROGRAMME-ASSIGNMENT RULE that the buyer does not control: https://www.redotpay.com/terms/redotpay-card (read 2026-08-17), clause 29: 'The Group reserves the right, in its absolute sole discretion, to designate you to a specific RedotPay Card under a particular Programme based on factors including, but not limited to, your country of ordinary residence'. The 'global' tag on the live catalog record is not supportable against (1).

Plutus Card

Plutus Card — Provider states: MARKET RESTRICTION, not a sanctions representation — and it is structural, expressed as two separate legal entities with two separate terms sets. https://www.plutus.it/legal/terms-and-conditions/eur (HTTP 200, loaded 2026-08-17) presents an 'EEA' / 'UK' toggle and the EEA text reads: '1.2 These Terms and Conditions govern the way in which we provide our services, fiat currency products, reward points and crypto-assets to consumers based in Lithuania and EEA (where applicable)' and '1.1 We are Block Code LT UAB, trading as Plutus, a company incorporated in Lithuania with company number 305848086'. The footer of every page carries the UK counterparty: 'Plutus is the trading name of Block Code Ltd, Block Code Ltd is a company registered in England and Wales (09674279) and BLOCK CODE LT UAB, a company registered in Lithuania under company registration (NIPC) number 305848086 whose registered office is at Vilnius, Vilkpėdės g. 22.' Availability is further qualified inside the programme itself: '4.2 Availability of our services and reward programmes may vary according to your geographical location and the third-party providers we work with. For example, certain PRS rewards may only be available in specific countries where we have established partnerships with local merchants. Similarly, the availability of Plutus Card top-ups and spending features may depend on regional banking regulations and payment network support.' Complaints handling is likewise EEA-bound: '34.7 We will accept complaints in English, Lithuanian or the language which we individually agreed in the agreement with you.' A US expansion is stated as a FUTURE plan only, not current availability, in https://www.plutus.it/blog/plutus-q1-migration-faq (loaded 2026-08-17): 'New payment options for utilities in new regions, including the US and UAE'. I found NO standard OFAC/sanctions representation clause in the EEA terms as loaded; the geographic language here is genuinely a footprint restriction (EEA + UK), not a boilerplate eligibility rule.