Bleap Card scores 10 points above Zeal, led by cost abroad, named issuer, and tax on spending. Bleap Card ranks #5 and Zeal #8 of 9 published crypto cards. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Bleap Card59
vs
ZEZeal49
Scores are out of 100; published scores fall within 41–99 · ranks #5 and #8 of 9
Bleap Card scores 10 points above Zeal, led by cost abroad, named issuer, and tax on spending.
Bleap Card #5 of 959
ZEZeal #8 of 949
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termBleap Card leads on 3 of 4 published criteria; Zeal on 0. The terms sum to the gap.
TermBleap CardZealWeightPoints
Cost abroad6/105/107.9+2.1for Bleap Card+1.1 of 32
Named issuer9/106/105+3.9for Bleap Card+2.0 of 32
Tax on spending5/102/104.8+3.7for Bleap Card+1.9 of 32
Net of the terms+9.7
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+9.6
Published gapAfter score rounding and bounds — see the note below5949+10.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
Bleap CardScore 59A free, no-tier Mastercard debit card that direct-debits a self-custodial USDC/EURE wallet, issued by Cyprus EMI Unlimit EU Ltd (HE 328641, CBC licence 115.1.3.7/2018) under a programme run by MiCA-licensed Bleap SIA — the clearest issuer disclosure in the pool, sold against a 'free withdrawals worldwide' headline that is capped at three ATM withdrawals and €400 a month.Strength: Whose licence issues it — 9/10Watch-out: 'Free withdrawals worldwide' on the card page means three withdrawals and €400 a month. The cap is real, current (dateModified 2026-06-19) and lives only in a help-centre article — https://help.bleap.finance/en/articles/15566380-what-limits-exist-in-bleap: 'ATM Withdrawals — Monthly withdrawals 3 — Monthly amount €400'. The card page (read 2026-08-17) says only 'Free withdrawals worldwide. Use ATMs at home or abroad without Bleap fees.' A buyer who picks this card for travel discovers the ceiling at the third cash machine of the trip, and the terms then hand them the operator's surcharge on top: 'Operator surcharges may apply and are your responsibility.' (clause 5.1).ZealScore 49Self-custodial wallet app that front-ends a Gnosis Pay Visa debit card issued by FCA-authorised EMI Monavate Limited (FRN 901097); Zeal adds no FX markup on top of Visa's own rate, publishes no fee schedule of any kind, and the single document it points to for ATM fees is a dead link.Strength: Whose licence issues it — 6/10Watch-out: The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
Quick facts
At a glance
2 of 3 rows read the same for both.
FactBleap CardZeal
PricingSnapshotVendor fee page — https://help.bleap.finance/en/articles/12097920-fee-schedule (HTTP 200, fetched 28 September 2026, dateModified 1 September 2026): "Card Spend" — "No fees are charged by Bleap when paying with card." and "Spreads apply to buy, sell, and bridge transactions" (card spend is not in that list). Binding cardholder terms — https://www.bleap.finance/en-us/legal-agreements/bleap-cardholder-terms-eea-bleap-sia (HTTP 200, fetched 28 September 2026, "Updated: June 28, 2026"), clause 6: "Cards are free. Bleap charges no issuance, monthly, usage or exchange fees for Card activity." / "Mastercard scheme fees, network FX rates, merchant surcharges, ATM operator fees and government taxes may apply and are your responsibility. Where charged via the scheme, these amounts are included in the Direct Debit from your Wallet." / "If you transact in a different currency, the amount is converted at the Mastercard network rate applicable at processing time. Bleap adds no FX markup or fee." ATM cap — https://help.bleap.finance/en/articles/15566380-what-limits-exist-in-bleap (HTTP 200, 19 June 2026): "Monthly withdrawals" "3", "Monthly amount" "€400". There is no subscription, tier or token stake anywhere in the product. NOT PRICED on any page read: the Mastercard scheme fees clause 6.2 debits from the wallet, and any ATM charge beyond Bleap's own zero; Bleap's "Pricing Disclosure" (https://www.bleap.finance/legal-agreements/pricing-disclosure) still covers only buy, sell and bridge.From https://www.zeal.app/ (HTTP 200, fetched 28 September 2026), footnote 2 in the FOR CARD block, the closest thing Zeal publishes to a price for spending: "When spending in another currency with the Gnosis Pay card, Visa's wholesale foreign exchange rate is used, which is a very competitive exchange rate. The rate is subject to change and will fluctuate. Zeal does not charge any additional foreign exchange fees. Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation." Headline on the same page: "Spend abroad with no exchange fees and up to 4% Cashback." and "Spend abroad at the Visa mid-market rate". Card acquisition, https://www.zeal.app/learn/order-your-free-card (fetched 28 September 2026): "Order card for free". Cashback tier cost, https://www.zeal.app/learn/gnosis-pay-explained (fetched 28 September 2026, dated 20 November 2025): "0.1 to 1 GNO (~€10-110): 0.5-1% cashback", "5.5 GNO (~€605): 2.5% cashback", "Currently, one GNO token costs around €100-110." ZEAL PUBLISHES NO FEE SCHEDULE, although its terms (https://www.zeal.app/terms-and-conditions/, "Last updated: 19 February 2026") say "Fees applicable to the Services or any component of the Services, if any, shall be set forth at zeal.app and/or the Zeal Wallet mobile application." The ATM fee is delegated by link to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which still returned HTTP 404 on 28 September 2026.
Asset coverageEditorial——
Region fitSnapshoteuropeeurope
From the published criteria
Which should you pick?
Bleap Card
59#5 of 9
Leads
Pick it when
Pick Bleap Card if cost abroad matters most — it scores 6/10 to Zeal's 5/10 there (weight 33).
Strength
Whose licence issues it — 9/10
Tradeoff
'Free withdrawals worldwide' on the card page means three withdrawals and €400 a month. The cap is real, current (dateModified 2026-06-19) and lives only in a help-centre article — https://help.bleap.finance/en/articles/15566380-what-limits-exist-in-bleap: 'ATM Withdrawals — Monthly withdrawals 3 — Monthly amount €400'. The card page (read 2026-08-17) says only 'Free withdrawals worldwide. Use ATMs at home or abroad without Bleap fees.' A buyer who picks this card for travel discovers the ceiling at the third cash machine of the trip, and the terms then hand them the operator's surcharge on top: 'Operator surcharges may apply and are your responsibility.' (clause 5.1).
ZE
Zeal
49#8 of 9
Pick it when
Zeal leads Bleap Card on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Whose licence issues it — 6/10
Tradeoff
The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
Self-identify in 10 seconds
Which one is actually for you?
Bleap CardLeads
Choose Bleap Card if cost abroad matters most
Cost abroad: 6/10 against 5/10 for Zeal (weight 33)
Named issuer: 9/10 against 6/10 for Zeal (weight 21)
Tax on spending: 5/10 against 2/10 for Zeal (weight 20)
Bleap CardScore 59A free, no-tier Mastercard debit card that direct-debits a self-custodial USDC/EURE wallet, issued by Cyprus EMI Unlimit EU Ltd (HE 328641, CBC licence 115.1.3.7/2018) under a programme run by MiCA-licensed Bleap SIA — the clearest issuer disclosure in the pool, sold against a 'free withdrawals worldwide' headline that is capped at three ATM withdrawals and €400 a month.Strength: Whose licence issues it — 9/10Watch-out: 'Free withdrawals worldwide' on the card page means three withdrawals and €400 a month. The cap is real, current (dateModified 2026-06-19) and lives only in a help-centre article — https://help.bleap.finance/en/articles/15566380-what-limits-exist-in-bleap: 'ATM Withdrawals — Monthly withdrawals 3 — Monthly amount €400'. The card page (read 2026-08-17) says only 'Free withdrawals worldwide. Use ATMs at home or abroad without Bleap fees.' A buyer who picks this card for travel discovers the ceiling at the third cash machine of the trip, and the terms then hand them the operator's surcharge on top: 'Operator surcharges may apply and are your responsibility.' (clause 5.1).
ZEZeal
Zeal leads Bleap Card on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
ZealScore 49Self-custodial wallet app that front-ends a Gnosis Pay Visa debit card issued by FCA-authorised EMI Monavate Limited (FRN 901097); Zeal adds no FX markup on top of Visa's own rate, publishes no fee schedule of any kind, and the single document it points to for ATM fees is a dead link.Strength: Whose licence issues it — 6/10Watch-out: The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
Cost abroad
by 1 of 10weight 7.9 of 86Bleap Card leads
Bleap Card6/10 out of 10
Zeal5/10 out of 10
Card reliability
weight 6.2 of 86Tie
Bleap Card5/10 out of 10
Zeal5/10 out of 10
Named issuer
by 3 of 10weight 5 of 86Bleap Card leads
Bleap Card9/10 out of 10
Zeal6/10 out of 10
Tax on spending
by 3 of 10weight 4.8 of 86Bleap Card leads
Bleap Card5/10 out of 10
Zeal2/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86
Bleap Card6/20Zeal6/20
Tie
Published criteriaweight 30 of 86
Bleap Card14.8/30Zeal11.1/30
Bleap Card leads
Frictionweight 10 of 86 · constant here
Bleap Card2.7/10Zeal2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Bleap Card3.2/8Zeal3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Bleap Card8.3/18Zeal8.3/18
Tie
Decision rulePublished order
Choose Bleap Card unless the term Zeal leads on is the one you are buying.
Zeal leads Bleap Card on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Whose licence is actually behind this card, and will they even tell me their name? · 21% (Bleap Card 9/10, Zeal 6/10)
Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (Bleap Card 5/10, Zeal 2/10)
Exit failure: you cannot get out at par, on time, or with what is yours.
Scored by Will this card still work next month, and who has to fail for it to stop? · 26% (Bleap Card 5/10, Zeal 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Execution failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does one swipe abroad actually cost me, and can I work that out before I sign up? (33%).
Questions
Frequently asked questions
Bleap Card scores 10 points above Zeal, led by cost abroad, named issuer, and tax on spending. Published scores, out of 100: Bleap Card 59 (rank 5 of 9 crypto cards), Zeal 49 (rank 8 of 9).
Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
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