Illustrative ranges from schema assumptions — funding, issuer FX, fees, caps, reward haircuts, and optional staking cost. Only verified evidence earns a rank. Measured FX lives in the Landed Card Spend Index.
Spend profileResearch model · not verified quotes
Assumptions visible below. Mid-market benchmark = 100 spend units purchased costs 100 before issuer markup, funding and reward friction.
How to read this: numbers are schema estimates with uncertainty bands. Verified checkout evidence is required before any card is ranked. Prefer decision lanes and cost-per-100 over a single net figure. The card index feed is measured FX only.
Decision lanes
Four ways to choose — not one podium
Lane picks appear only from verified checkout evidence — none published yet. Until then, no card gets crowned.
Selected card path
EtherFi Cash
Crypto spend card · Check — global rollout
$149–248 /yr
01 Funding—MYR→balance / USDT top-up friction
02 Conversion—Issuer FX on cross-border share
03 Fees—Monthly + annual drag
04 Rewards—Cashback after token haircut
05 Staking—Opportunity cost unless you already hold
Secondary card subgraph. Schema rates only — verify FX and funding before use.
Evidence gates
Verified ranks only where evidence exists
Verified in Malaysia
Checkout-backed rates. Ranked by modeled net annual value for your profile.
No verified card quotes yet. Capture RM50 / RM500 / RM5,000 spends against a mid-market fix, then approve evidence into the ledger.
Needs verification
Schema models only — ordered for research, not ranked as winners.
Unavailable / uncertain for Malaysia
Shown for completeness. Do not treat as usable until eligibility is confirmed.
What “all-in” means here
Funding friction. MYR→USDT or balance top-up before you spend.
Issuer conversion. Visa/Mastercard rate plus markup on the cross-border share.
Reward realization. Token cashback is haircut for sell spread / withdrawal.
Staking capital. Opportunity cost unless you already hold the required tokens.
Next evidence step: measure $12 / $100 / $1,000 basket spends in USD, SGD, and EUR against a timestamped mid-market fix — then publish via card_spend_import.mjs. See observatory and docs/card-capture-protocol.md.
Disclosure: Money2046 publishes receipts for agent payments: fee, time, fail, facilitator, chain — or INSUFFICIENT_EVIDENCE. Not financial advice. Evidence can be insufficient. We charge you in USD. Payment processing by Airwallex. Money2046 does not move customer funds and is not a wallet, an exchange, or a payment processor.