Top up & Spend
No off-ramps. No preloading fiat. Just tap your Based Visa card and your crypto is converted instantly at the point of sale.
Your Crypto, Ready to Spend
Your total balance, recent transactions, and quick actions -- all in one place. Open the Cash tab in the Based mobile app and you're ready to go.
Fund Your Card in Seconds
Pick your deposit method
From Hyperliquid -- Move funds straight from your trading account
From External Wallet -- Send crypto from any wallet you use
From Bank Account -- Wire transfer (coming soon)
Minimum deposit is just $10 USD. Funds arrive in under 10 minutes.
Tap and pay
Tap your Visa card -- physical or digital -- and Based handles the rest. Your crypto converts to fiat in real time, automatically. No extra steps, no waiting.
Stay on top of every transaction
Track your balance and spending history from the Based mobile or web app. Always know where your money goes.
Spending Priority (The Order of Assets)
Your card account can hold multiple assets at once. When you make a purchase, the Based card automatically draws from your balances in a fixed sequence designed to protect your volatile assets and minimize fees.
1
Stablecoins (USDT, USDC, XSGD)
Spent first. No Smart Convert fee, no price volatility.
2
SOL
Spent next once stablecoins are exhausted.
3
HYPE ($HYPE token)
Spent after SOL.
4
BASED ($BASED token)
Spent last to preserve your $BASED position as long as possible.
Automatic waterfall: If your stablecoin balance is insufficient, the card automatically flows to the next asset in the order to complete the payment.
Partial draws: A single transaction can pull from multiple balances. For example, on a $100 purchase where you hold $40 in stablecoins, the card uses that $40 fee-free and converts $60 worth of SOL (with the Smart Convert fee) to cover the rest.
Full transparency: Transaction details in the Based app show exactly which balances were used and the conversion rates applied to each.
Card-account $BASED is a spending balance and is separate from staked $BASED. Spending from the card does not touch your staked position or affect your tier qualification.
Price Locking
The conversion rate for non-stablecoins ($SOL, $HYPE, $BASED) is determined at the exact point of spend — not at the end of the day or billing cycle.
To guarantee fair, accurate market valuation in real time, Based uses a mixture of Chainlink price oracles and the Hyperliquid on-chain price, with the rate locked at the moment you swipe or tap.
Full Control at Your Fingertips
Freeze instantly -- Lock your card in one tap if something doesn't look right
Set your PIN -- Choose or update your PIN for in-person purchases
Add to Apple Pay / Google Pay -- Go contactless from your phone, wherever you are
Why Traders Love It
Zero top-up fees -- Every dollar you deposit is a dollar you can spend
Spend directly from on-chain -- Your crypto balance is your spending balance
150M+ Visa merchants worldwide -- Accepted everywhere Visa is
Apple Pay & Google Pay ready -- Tap to pay from day one
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