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.

Coinbase Card

Coinbase Card — Provider states: MARKET RESTRICTION, not a sanctions representation — and I checked specifically for the distinction. The binding agreement imposes a hard residence-based eligibility warranty, READ ON https://static-assets.coinbase.com/card/terms/v2/coinbase_card_metabank_cardholder_agreement.pdf (2026-08-17), section 2 'Eligibility and Activation': 'To be eligible to use and activate the Card, you represent and warrant to us that: (i) you are at least 18 years of age; (ii) you are a citizen or permanent resident of the United States; (iii) the personal information that you have provided to us is true, correct and complete; and (iv) you have read this Agreement and agree to be bound by and comply with its terms.' It is enforced on an ongoing basis, section 1: 'If your address changes to a non-US address, we may cancel your Card and return funds to you in accordance with this Agreement.' Visa Zero Liability is likewise scoped to US issuance: 'Visa Zero Liability policy covers U.S.-issued Visa-branded Cards only'. THE DISTINGUISHING CHECK: I grepped all 7 pages of both v1 and v2 for 'OFAC', 'sanction' and 'embargo' — ZERO occurrences of any of them. This document carries NO standard sanctions boilerplate at all. What it carries is a genuine geographic footprint limit: US citizens and permanent residents only. Accordingly supportedRegions is ['us'], which CONTRADICTS the live record's ['us','europe'] — see unresolved.