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Card comparison · August 2026

Kite vs Rizon

Rizon's own terms limit it to people living in the United States and Latin America. If you are in Asia Pacific, the comparison is short: you can open a Kite account today.

Get the Kite app See the full comparison

Whether you can open one at allKiteRizon

Card countries9, plus 40+
for paymentsNot served

Card priceFreeNot published

Non-USD spend1.8%1.7% + $0.10

Who holds itYou doYou do

No card fees Virtual and physical 0.53% to load Non-custodial Gas covered 40+ countries for payments

The short answer

Kite vs Rizon: the short answer

Rizon’s terms cover residents of the United States and Latin America only.

Its 122+ countries is where the card is accepted, not where you can open an account.

Rizon does not publish card prices. Its own fees page says “check app for the price”.

Both wallets are non-custodial. Kite adds reach, pricing you can read, and gas we cover.

Side by side

Kite vs Rizon: fees and features compared

This compares the virtual card on each side, so the two columns are like for like. Every figure comes from Rizon's own site and help centre on 31 August 2026, and from Kite's. Nothing here is estimated, and ATM withdrawals are left out because they need a physical card.

	kite	Rizon
Card type	Visa debit card. The virtual card issues as soon as your checks clear	Visa. The virtual card issues instantly, ahead of the physical plastic and metal “coming soon”
Card issuance	Free. No fee to issue the virtual card, to replace it or to keep itKite	Not published. The fees page says “check app for the price” for virtual, physical, additional and replacement cards
Monthly or annual fee	FreeKite	Account maintenance free. Rizon Emerald from $5.59 a month halves the fees
Cost to load the card	0.53%	Free
Spending in US dollars	No fee	Free
Spending in another currency	1.8%	1.7% + $0.10, or 1.02% on the Emerald subscription
Network gas fees	Covered, on every supported chainKite	Not covered. On-chain withdrawals cost the network fee plus 0.1%
Who holds your money	Non-custodial. Multi-party encryption (TSS-MPC), export your key anytime	Non-custodial. “Wallets are created and controlled solely by users and are not accessible by Rizon.” Wallet infrastructure by Privy, card issuing by Rain
Stablecoins and chains	USDC and USDT across Base, Ethereum, BSC, Polygon, Arbitrum	USDC and USDT on Solana and EVM chains including Polygon, Base and Arbitrum
Where you can sign up	9 countries for the full card: Singapore, Philippines, Malaysia, Thailand, Vietnam, Japan, South Korea, Taiwan, Australia. Stablecoin payments, QR pay and the wallet in 40+ more across Asia Pacific, the Middle East, Africa and the AmericasKite	United States and Latin America only, per Rizon's own terms. The 122+ countries figure is card acceptance, not eligibility
Card limits	$50,000 and 50 transactions a day, $990,000 a year	No stated limit on deposits, card spending or sending. Per-card limits are described as coming soon
Cashback and rewards	Exclusive cashback drops on AI spends, conferences, and more.	2.5% cashback on eligible purchases, plus RizPoints
Apple Pay / Google Pay	Google Pay liveApple Pay Coming soon	Apple Pay and Google Pay

Sources

The differences

Why people switch from Rizon to Kite

Built for Asia Pacific, where Rizon does not go

Rizon covers the United States and Latin America. Kite: nine countries for the card, 40+ more for payments.

A price you can see before you install anything

Rizon's fees page says “check app for the price”. Kite's card is free, and every rate is published.

You do not pay the gas

Rizon charges the network fee plus 0.1% to withdraw. Kite covers the gas on every supported chain.

Custody

Who holds your money with Kite and Rizon

Rizon is non-custodial too, and says wallets are created and controlled solely by users and are not accessible by Rizon. With Kite it stays in a wallet only you can open, and you can export the key and walk away whenever you want.

No seed phrase to lose

Multi-party encryption

Your key is split, and never put together in one place. Not even on our servers.

One address, five chains

Base, Ethereum, BSC, Polygon and Arbitrum. Gas is on us.

Getting started

How to get your Kite Stable Card in 3 simple steps

Sign up and verify

Download the app and verify yourself in about two minutes. You need to be 18 or over and living in one of the nine countries Kite serves.

Get your free card

Your virtual Visa is issued instantly and you can order the physical card at the same time. Google Pay works today, and Apple Pay is coming soon.

No issuance or replacement fee

Load it and spend

Move USDC or USDT onto the card for 0.53%. It lands in five to ten minutes and you can spend it anywhere Visa is accepted.

Gas is covered

Questions

Questions about Kite and Rizon, answered

Is Rizon available in Asia?

No. Rizon's own site states its products are intended solely for people resident and domiciled in the United States or countries within Latin America. The 122+ countries in its marketing is where the Visa card is accepted, not where you can open an account. Kite is built for the other side of the map and is open to residents of nine Asia Pacific countries.

How much does a Rizon card cost?

Rizon does not publish it. Its fees and limits page lists virtual, physical, additional and replacement cards as “check app for the price”, and its FAQ separately says the first virtual card is free while also describing a $10 issuance fee after the first thousand cards. The Kite Stable Card is free to issue, free to replace and free to keep, and every other rate is published before you install anything.

Is the Rizon card a credit card?

No. It is a Visa card funded by stablecoins you already hold, so you are spending your own money rather than borrowing. The Kite Stable Card works the same way: you load USDC or USDT, the balance sits in US dollars, and you spend it anywhere Visa is accepted. Neither runs a credit check or a repayment schedule.

How does Rizon work?

You hold USDC or USDT in a wallet Rizon does not control, top up a Visa card from it, and spend wherever Visa is accepted. Wallet infrastructure comes from Privy and the card is issued through Rain. Kite works on the same principle with two differences: the card is free to issue, and Kite covers the network gas rather than charging it back to you.

Is Rizon non-custodial?

Yes. Rizon says wallets are created and controlled solely by users and are not accessible by Rizon, with the wallet layer provided by Privy. Kite is non- custodial too, using multi-party encryption rather than one stored key, which means no seed phrase to lose and recovery through your own Google or Apple login.

What is the Rizon foreign exchange fee?

1.7% plus $0.10 when you spend in another currency, or 1.02% on the Rizon Emerald subscription, which starts at $5.59 a month. Kite charges a flat 1.8% with no subscription to buy first, and nothing at all when you spend in US dollars.