BKJ card review

I spent time going through the BKJ site, the help center, the app store listing and the terms of service that tie them together, and this is what I found. BKJ is a payment card that lives inside a smartphone app. The product is positioned at people who already hold USDT or USDC on a familiar blockchain and want those balances to behave like a normal card at a coffee shop or an online checkout. If that is you, the value proposition is real. If it is not, the gaps in the public fee schedule will quickly outweigh whatever you were hoping to save.

The conditions on this page are current as of 21 October 2026.

My overall mark for BKJ is 6.9 / 10. That single number is the sum of five sub-scores I weigh below, each of which I walk you through so you can see why it lands where it does. The short version: stablecoin funding is the strongest part of the product, the fee schedule is the weakest, and the geographic restrictions will rule BKJ out for a meaningful slice of readers before they ever reach the checkout page.

The verdict in one sitting

I split the score across five criteria that mirror what a card shopper usually cares about: who can get it, what it really costs, what you can load it with, how reliable the company is, and whether everyday payments work. Each row counts toward the 6.9. The numbers come straight from BKJ’s public pages and the App Store listing, checked on 20 October 2026.

The audience that gets the cleanest fit is people who already hold stablecoins, plan to keep funding from Tron or Ethereum, and want the card to act as a conversion rail rather than as a primary bank account. If you are not paying for much of your life out of USDT or USDC, the missing fee schedule and the geographic restrictions will likely push you toward one of the alternatives I compare further down.

Will they give you the card

The first question any card shopper has to answer is whether the issuer will accept them at all, and BKJ splits that answer in two. The marketing says one thing, the legal documents say another, and they do not entirely agree.

The App Store listing describes a payment network that reaches “180+ countries and regions”, which sounds generous until you notice that neither the listing nor the main site actually publishes the country list. If you are scanning the page looking for “Russia” or “Belarus” or any other specific jurisdiction, you will not find it on the public marketing surface. The only place BKJ spells out who is excluded is a help-center announcement dated 11 September 2026, titled “Announcement on Adjustment of BKJ Service Regional Access Permissions”. That announcement closes the service in a long list of regions: Russia, Belarus, North Korea, Iran, Myanmar, Cuba, Syria, Ukraine including Crimea, Venezuela, Sudan, South Sudan, Libya, Burundi, Central African Republic, Somalia, Zimbabwe, Afghanistan, the Chinese Mainland, and Iraq. The same notice adds that the list “can change”, so the situation you read about today may not be the one that applies next month.

There is a second rule layered on top of the country list, and it matters more than the marketing suggests. The terms of service require every user to “reside in a country where the Services are available”. That means BKJ screens by where you actually live, not only by your citizenship, and the residency screen is the gate. If you live in a country that is on the closed list, you cannot use BKJ regardless of what passport you hold, and if your country is open but your citizenship is not, the issuer and its banking partners can still say no at the KYC stage. This is the same logic that drives most card programmes, and the practical effect is that a Russian citizen living in, say, the United Arab Emirates may be treated differently from a Russian citizen living in Russia.

For a Russian speaker reading this from outside Russia, the practical question is what the issuer does when your documents and your billing address do not match. BKJ does not publish the answer. The terms do keep the right to “set off any of your liability” against your balances, and to terminate services without notice, so even an account that opens cleanly is not guaranteed to stay open. If you live in Russia or Belarus, the public answer is clear: BKJ does not serve you. If you live elsewhere, the only honest way to find out whether you qualify is to start the application and see whether verification clears.

If your country is open, the next thing the help center asks is your age. The terms assume the adult cardholder rule common to prepaid and debit products, and BKJ’s own sign-up flow mirrors it; there is no published student or under-18 tier to lower the threshold for younger holders. Anyone below the local age of majority should expect to be rejected or to need a parent account.

How to get it

The sign-up path is short but, like the rest of BKJ, light on specifics. The site tells you to download the app, “complete user registration and identity verification”, and then apply for the card. The three steps in the right order look like this.

First, install the BKJ app. The published builds cover iOS 16.0 and above on iPhone, iPad, Mac with Apple Silicon, and visionOS; the Android build is on Google Play under the package name com.bkjapp.global, with an APK mirrored on static.bkj.com. Second, finish the KYC step before you apply for any card. BKJ’s help article on physical cards is explicit: identity verification must be completed first. The terms give BKJ the right to ask for more documents “any time”, so the document list you submit at the start may not be the only one the company asks for. Third, choose a card. The product page advertises both a virtual card and a physical card, with Apple Pay and online checkout use-cases for the virtual one and a “BIN449924 Singapore Virtual Card” reference in the help center. The published card network is not stated on the public page, which means BKJ does not commit publicly to either Visa or Mastercard for a particular product, and you should not assume one until you see the card image in your app.

The KYC step itself is the part most readers will want to slow down for. BKJ does not publish a document list, a processing time, or a list of rejection reasons on the public pages. The terms are also clear that an “Account is not a banking service”, so KYC operates on a custody relationship rather than on a banking relationship. If your first submission fails, you will not find a published appeals procedure in the help center, and the dispute rules in the terms send any disagreement to arbitration at the Hong Kong International Arbitration Centre under English language and Hong Kong law. That is a meaningful choice of forum for the user: it is private and binding, and it is not the same as going to a local financial ombudsman.

Once verification clears, the virtual card is usually issued immediately in the app. The physical card, if you order one, costs 100 USDT as the issuance fee, the amount described as covering both production and “global logistics shipping costs”. The fee is non-refundable and BKJ states the order cannot be cancelled after payment. Production runs about one week, and delivery is “normally around 20 business days”, varying by country and region; BKJ does not publish a per-country delivery estimate. There is no published replacement fee.

Activation is the last step on the physical card. BKJ sends an emailed code that you enter to confirm the card, after which you set a PIN and a contactless limit. Two-factor codes for sensitive actions can also come through Google Authenticator, so you should install an authenticator app before the card arrives. The PIN, the emailed code, and the 2FA code are the three security elements published on BKJ’s pages; there is no mention of an in-app freeze, an in-app spending cap, or a card-on/off switch in the materials I reviewed.

What it really costs: fees and the gaps around them

This is the section of the review where the public materials are most obvious about their limits. BKJ has chosen to publish very little about what the card will actually charge you, and that choice shows up directly in the score I gave cost.

A few rows in that table deserve a second look. “Zero annual fee” is the only price BKJ is comfortable stating as a number. There is a help-center article titled “BKJ Card Multi-Currency Transfer Limits & Fees Instructions”, and I deliberately did not read it for this review because I want the public version of the story for any reader who has not created an account; what I can tell you is that the article exists, and that “limits and fees” is in its title. The ATM row on the card page says only that the physical card has “Access to the global ATM network with instant fiat withdrawals”. The ATM fee, the per-transaction cap, the daily cap, and the monthly cap are all blank on the public page. The same is true for the conversion spread applied when USDT or USDC becomes the local currency at the till, and for the FX fee applied when your balance currency is not the merchant’s currency.

To make that concrete, here are three everyday payments and the fees BKJ’s public pages actually let me apply to them.

A coffee in a local cafe paid by tapping a virtual card through Apple Pay. The card converts a slice of your USDT balance into the local currency at the till. BKJ does not publish a conversion spread, so the only number you can verify is the face value of the purchase; the rate and any spread BKJ takes are visible only inside the app transaction list, after the fact. If the cafe charges you the equivalent of US$4 and the spread is 1.5%, the difference is a few cents; if the spread is smaller, it is a fraction of a cent. Multiply that by every coffee you buy and you can see why the absence of a published spread matters.

A grocery shop abroad where your card is billed in euros but you paid the bill from a USDC balance. This is the second place the spread hides. The euro amount the merchant sees is whatever the network and BKJ’s conversion partner settled on; the USDC amount deducted from your wallet is whatever BKJ decided to apply, and FX fees, if any, would sit invisibly on top. Add to that the Address Verification Service dynamic I describe further down, and you can see why some readers will see occasional declines at this point.

An ATM withdrawal of an amount in cash. The card page says you can do this with the physical card. The card page does not say what the ATM fee is, what the daily ATM cap is, or whether the ATM operator charges its own surcharge on top. ATMs operated by third parties very often do charge their own surcharge, regardless of what your card issuer does, so the only honest assumption is that on top of whatever BKJ takes, you will pay whatever the machine asks.

The App Store listing contains the claim “save up to 90% on fees”, which is a marketing line rather than a fee schedule. Until BKJ publishes the actual numbers that go with that claim, treat it as a comparison without a denominator.

How to top it up

Funding is the part of BKJ that fits its audience best, and it is also the part where a careless first deposit can turn into an unrecoverable loss, so I want to walk through it the way BKJ describes it.

The card page says it supports “USDT and USDC top-ups on major blockchains, including Ethereum and Tron”. The App Store listing extends the funding picture by mentioning conversion between 40+ fiat currencies and crypto. That is the whole of the published top-up story: stablecoins on the major chains the listing names, plus a conversion layer from the BKJ app into local fiat. The deposit fee, if any, and the minimum top-up, if any, are not stated on the public page. Network fees (gas on Ethereum, bandwidth and energy on Tron, and so on for the other chains) are paid on the chain itself, not by BKJ; you will need a small balance of the native token of whatever network you choose in your sending wallet just to broadcast the transfer.

The reason the audience note pins this section to Tron or Ethereum is operational, not promotional. USDT and USDC have their widest liquidity on Ethereum (as ERC-20 tokens) and on Tron (as TRC-20 tokens), and BKJ has chosen to support both. If your stablecoins already sit on one of those two chains, your deposit path is roughly: open the BKJ app, copy the deposit address BKJ gives you, confirm the network the address belongs to, and send the stablecoin from your wallet to that address. If your stablecoins sit on a chain BKJ does not support, or you copy an address belonging to a different chain, the transfer will either fail at the wallet level (best case) or reach an address that does not credit your BKJ balance (worst case), and the transfer cannot be reversed on-chain.

There is one network-specific gotcha worth pausing on. Circle, the issuer of USDC, stopped supporting USDC on Tron in February 2024. That means a “USDC over TRC-20” deposit route is, in practice, only viable via wrappers or third-party bridges, which add their own fees and their own counterparty risk. For USDC, the cleanest path on BKJ is therefore Ethereum or one of the other chains where Circle still natively issues; for USDT, Tron and Ethereum remain the deepest liquidity venues. The help center has an article titled “Explanation of Deduction Amount Difference” that I did not read for this review, because I want to flag that deduction amounts will not always match the deposit amount, and let you decide how much time to spend on the article before your first transfer.

The withdrawal side is the section BKJ is quietest about. The terms of service describe the custody relationship but do not describe a user-facing withdrawal process; the same terms reserve the right to “set off any of your liability” against balances on the platform, and reserve the right to terminate services without notice and to refuse a closed user the option of opening a new account. What happens to your on-platform balance if BKJ closes the service is not stated on the public page, which is the kind of gap that makes me uneasy about holding a large balance there for long.

Paying with it every day

The everyday-use score is the second-highest in the table, and the reasons are visible directly in BKJ’s published feature list. There is a virtual card for online checkout, a physical card for places that need a tapped or inserted plastic card, Apple Pay and Google Pay on the mobile wallets, and ATM access on the physical card. That covers the four common card-use cases — online, in-store tap, in-store insert, and cash — with one or two products each.

There is also a rewards line: spending rewards as points exchangeable for BTC, with the rate not stated, plus a US$5 sign-up reward. As with the fee schedule, the headline exists but the numbers are not public, so the only responsible way to compare the rewards is to value them at zero until you have read the in-app description.

The harder questions are about reliability at the till rather than at the marketing layer. Two factors shape how often a foreign-issued, prepaid-style card is accepted. The first is the BIN, the six- or eight-digit prefix of the card number that identifies the issuer country and institution. Merchants and their payment processors look up the BIN and may treat a card that does not match the customer’s billing address with extra caution. The second is Address Verification Service, the system that compares the numeric parts of a billing address against the issuer’s records; it is mostly deployed in the US, Canada and the UK, and a foreign-issued card often fails it because the issuer does not have the local address database. The combination is a card that works at the local supermarket and at most online checkouts, but occasionally does not work at a small US shop whose processor demands an AVS match or rejects a non-domestic BIN.

There is also a category of payments that some issuers block by policy rather than by law: gambling transactions on the relevant merchant category code, certain adult-content merchants, and sometimes crypto purchases at exchanges. The public pages do not publish a blocked-merchant list for BKJ, so I cannot tell you which categories are turned off in the app. If your day-to-day includes any of those, you will only know whether BKJ works by trying.

The app side of the experience is also lightly described. The latest iOS version at the time of writing is 1.4.5, dated 24 September 2026. The App Store listing I read on 20 October 2026 displayed no rating: not because the rating is bad, but because the listing shows a message along the lines of “this app has not received enough ratings or reviews to display an overview”. The Google Play rating was not captured in this review. Public ratings are not a perfect signal of reliability, but they are a signal of how many users the product has reached, and right now BKJ’s signal is thin.

One last operational point on the everyday-use score. Disputes with BKJ do not use chargebacks in the way a Visa or Mastercard debit card does; the terms send disputes to arbitration in Hong Kong under English language and Hong Kong law, and the terms are clear that fees paid to BKJ are non-refundable. The help center has guides on refunds not received and on transaction failures, but the published time frames are not stated. If you are the kind of shopper who wants the option of a chargeback, BKJ is not the card to reach for.

What can go wrong

The reliability score is the second-lowest in the table, and that is mostly about uncertainty rather than about a specific failure I can point to. There are no public complaints about BKJ in the places I searched; the help-center, the App Store, Reddit, and Trustpilot did not surface anything material. That is genuinely good news for a card brand of this size. But absence of complaints is not the same as a long track record of safe operation, and several pieces of the public picture do not entirely fill me with confidence.

The first is the corporate stack. BKJ PAYMENT INC is registered in Canada and holds a money services business registration with FINTRAC, the Canadian financial intelligence unit, under MSB licence number C10001249. The app developer is BKJ TECHNOLOGY LIMITED. The cards are “issued by partners holding appropriate licences”, which is the standard language a programme manager uses, but it does mean the actual card-issuing bank or e-money institution is not named on BKJ’s public pages. That detail matters because the issuing bank is the entity that ultimately decides whether your account stays open, whether your chargeback succeeds, and whether your balance is protected by any safeguarding regime.

The second is regulatory geography. The 11 September 2026 announcement closed the service in a long list of jurisdictions for compliance reasons, and the same announcement said the list “can change”. A service that revises its country list twice a year is harder to plan around than a service that publishes a stable residency policy.

The third is the term that lets BKJ terminate services without notice. Combined with the right to “set off any of your liability” against your balances, this means a user who has loaded a balance and is then closed out has limited published recourse in the terms. The right to refuse re-registration, in section 9 of the terms, makes a single closure feel closer to permanent than the same closure would on a regulated bank account.

The fourth is the operational layer. Help is offered through a Contact Us form, a Telegram community at t.me/BKJ_community, X at @BKJCard, WhatsApp, Instagram, LinkedIn, and a help center; the help center exists in English, Simplified Chinese and Traditional Chinese, but Russian is not among the published languages. Customer-service hours are published in an article I did not read for this review, so I cannot quote them; the available channels are plentiful, the hours are not on the public page, and the languages available in writing are not as wide as the marketing network would suggest.

The fifth is the category risk that any crypto card shares. Custodial crypto platforms have a track record of failure: the industry has lost billions of dollars to thefts and platform collapses, and the crypto on a custodial card is held by the platform until it converts. The reverse extreme is a self-custody-linked card where the funds stay in your own wallet until the moment of payment, but the responsibility for key loss, phishing and clipboard-hijacking malware is entirely yours. BKJ is on the custodial end of that spectrum by design — its terms call out “Custodian Account(s)” and say explicitly that “Account is not a banking service”. Custodial risk is therefore part of the product.

The sixth, and the one that bit hardest in 2022, is network-level risk. Card programmes can be suspended by the network that licensed them, as happened to WaveCrest in Europe in 2018 and to FTX globally in November 2022. When a programme closes, the typical pattern is a notice period, then a stop on new loads, then a stop on spending, then an instruction to withdraw remaining balances. BKJ’s published materials do not promise any specific notice period if the card programme closes, and the public terms allow BKJ itself to terminate without notice. If you keep more than you need for next week’s spending on the card, that gap is a real risk.

What to take instead

Because the country list and the fee schedule both have visible gaps, this is the part of the review where I want to compare honestly rather than declaratively. I will walk through three alternatives, each of which covers the same broad use case — paying for everyday things from a crypto balance — but each with a different trade-off against BKJ.

Bitrefill — score 6.8 / 10

Bitrefill sells a virtual and physical Visa card; the card currency is implied by the terms to be the euro, because crypto deposits are converted into euros before they hit the card. Issuance is described as “free through the app” on the public page, with the exact amounts not stated; an inactivity fee kicks in after 12 months without spending or cash-out, and the amount is not stated either. The funding list on the card page is unusually wide: Bitcoin, Lightning, Ethereum, USDC, USDT, Solana, BASE, Polygon, Li.Finance, Apple Pay, Google Pay, Visa and MasterCard; SEPA is supported on the bank-transfer side per the terms. The rewards line is concrete — 2% total cashback, “no cap”, split as 1% on each deposit and 1% on each purchase. The country list and the position on Russia or Belarus are not stated on the page I read, so the eligibility step still has the same “check at sign-up” character that BKJ has.

If your priority is a published fee structure plus a concrete cashback number, Bitrefill is closer to that than BKJ, and the score shows it.

UPay — score 6.1 / 10

UPay markets a virtual and a physical card, with personal and business tiers, and the published currencies include USD, EUR and AED alongside others. The funding mix is BTC, ETH, USDT and USDC; specific networks are not stated. The card page does not state issuance or monthly fees, and conversion mechanics during payment are described at a high level only. A reward product called “Earn While You Sleep” appears on the home page; a cashback line on the card page does not. UPay’s eligibility rules reference that some countries are excluded and that the KYC partner accepts only ID documents issued by the country of residence, which is a sharper rule than BKJ’s wording implies.

If your priority is the multi-currency element of an everyday card, UPay’s published currency line is wider than BKJ’s, but its transparency on fees is not.

Kemy — score 6.0 / 10

Kemy’s pricing page is the most concrete of the four options on the table. A virtual card costs US$15 to issue and is valid for three years, plus US$2 a month; the physical card is US$250 with DHL Express shipping included, valid for three years with one card per user, plus US$10 a month. The funding covers USDT and USDC on the “main networks”, plus BTC, ETH and SOL via an on/off ramp, and fiat via mobile money and virtual bank accounts. Cashback is not mentioned. There is a small pricing inconsistency between an 8% main-account deposit fee and a 5% figure in a later section, which is the kind of detail that makes me confirm the published price at the moment of transaction rather than trust the marketing layer.

If your priority is to see the fee schedule in writing and to plan around it, Kemy is the closest of the four to a published price book, and the gap between Kemy’s published pricing and BKJ’s largely empty fee schedule is the clearest illustration of why this score is what it is.

Quick comparison

None of these three is a clean sweep of BKJ on every dimension, and the right choice depends on which dimension you weight. If published pricing matters most, start with Kemy. If a published cashback matters most, start with Bitrefill. If multi-currency spending matters most, UPay’s stated currency list has the widest menu. BKJ’s edge is the explicit stablecoin-on-Ethereum-and-Tron funding story, which is why this card’s strongest fit is a stablecoin holder rather than a general card shopper.

Who I would recommend it to

The honest answer at the end of the review is that BKJ is the right card for a fairly narrow reader, and the wrong card for most of the readers who end up on this page. Here is how I would describe the fit.

Pick BKJ if you already hold USDT or USDC on Ethereum or Tron, you live in one of the 180+ countries on the network and your citizenship does not raise an issuer-level flag, you are comfortable with a custodial relationship rather than a bank account, and you treat the card as a way to spend the stablecoins you already have rather than as a primary spending account. In that situation the value proposition — convert stablecoins to a usable card balance, tap to pay, withdraw from an ATM — is real, and the fee schedule you do not know in advance is probably acceptable on the order of magnitude any reasonable card would charge.

Be cautious with BKJ if you live in or hold citizenship of any of the regions listed in the September 2026 announcement, if you need a published spread or a published ATM fee to trust the product, if your spending routinely hits merchants whose processors reject foreign-issued prepaid cards, or if you need the option of a chargeback handled under consumer-protection rules. In those situations, the published fee transparency, the geographic eligibility, or the dispute model of BKJ does not match your needs, and one of the three alternatives above is likely to be a better fit.

Skip BKJ if you live in Russia or Belarus and were hoping the foreign-issuer angle would let you bypass local restrictions — it will not, because BKJ closes service in those jurisdictions explicitly. The same is true of the other regions in the same announcement, including Ukraine (with Crimea listed separately), Venezuela, Iran, North Korea, Myanmar, Cuba, Syria, Sudan, South Sudan, Libya, Burundi, Central African Republic, Somalia, Zimbabwe, Afghanistan, the Chinese Mainland and Iraq. That closure is rooted in the issuer’s compliance posture, and no choice of card brand can substitute for it.

For readers who do fit the fit profile, two operational checkpoints are worth doing before you commit a meaningful balance. First, finish KYC before you commit, because the terms let BKJ ask for more documents at any time and your account has to be in good standing for the resolution route to be useful. Second, start with a small load and a single small payment, then check the in-app transaction list to see what conversion rate BKJ actually applied, so you know the spread you are paying before you scale up. Two minutes of that work replaces weeks of trying to interpret a fee schedule that the public pages do not give you.

Frequently asked questions

What is the BKJ card?

The BKJ card is a payment card issued through the BKJ app, with both a virtual and a physical form. You fund it with stablecoins — USDT or USDC on major blockchains, including Ethereum and Tron — and spend the balance at merchants or, for the physical card, at ATMs. Operating company is BKJ PAYMENT INC in Canada, and the cards are issued by licensed partners whose names are not disclosed on BKJ’s public pages.

How does the BKJ card work?

You install the app, complete identity verification, apply for the card, and load it by transferring USDT or USDC to a deposit address BKJ provides. The card then behaves like a prepaid card: at the till the balance is converted to the merchant’s currency and applied to the purchase, the merchant sees a normal card payment, and BKJ settles in the background. The product behaves much like a prepaid card rather than a standard bank-issued debit card.

Is BKJ a bank?

No. BKJ PAYMENT INC is registered as a money services business in Canada with FINTRAC under licence number C10001249. The terms state that an Account is not a banking service, so BKJ operates as a custodial payments and crypto platform rather than as a bank, and there is no deposit guarantee scheme covering balances held with BKJ.

Who owns BKJ?

The operating entity that holds the MSB licence in Canada is BKJ PAYMENT INC, and the app is published by BKJ TECHNOLOGY LIMITED. The card-issuing partner that actually issues the cards is not named on BKJ’s public pages, which is common for crypto card programmes because the issuer is often a separate licensed bank or e-money institution.

Is the BKJ card available in my country?

The published 11 September 2026 help-center announcement lists the closed jurisdictions explicitly and includes Russia, Belarus, North Korea, Iran, Myanmar, Cuba, Syria, Ukraine with Crimea, Venezuela, Sudan, South Sudan, Libya, Burundi, Central African Republic, Somalia, Zimbabwe, Afghanistan, the Chinese Mainland and Iraq. The same notice says the list “can change”, so the authoritative answer at any moment is the in-app eligibility check or the latest version of that announcement.

Does the BKJ card require KYC?

Yes. BKJ’s help-center article on physical cards is explicit that KYC must be completed before applying for a card, and the terms allow BKJ to request more documents at any time after that. The public pages do not publish a document list, a processing time, or the rejection reasons, so the practical approach is to expect a passport-style identity document plus a proof of address and to be ready for additional requests.

How do I activate the BKJ card?

Activation on the physical card uses an emailed code plus a PIN plus a contactless limit, and sensitive in-app actions can also use a Google Authenticator code. The virtual card is typically available in the app immediately after KYC clears, with no separate activation step beyond linking it to Apple Pay or Google Pay if you want to tap to pay.

How do I top up the BKJ card?

Generate a deposit address in the BKJ app, confirm the blockchain the address belongs to, and transfer USDT or USDC from your own wallet. Ethereum and Tron are explicitly named on the public page; network fees on the chain itself are paid in the native token of that chain, so keep a small balance of ETH, TRX or whatever the chain requires before you send.

Is the BKJ card free?

The annual fee is published as zero. The physical card issuance is 100 USDT and includes shipping, but the virtual card issuance fee, the conversion spread, ATM fees and FX fees are not stated on the public page, so I cannot honestly call the card free — only that one specific annual fee is zero and the rest of the price book is undisclosed until you read the in-app documentation or test with a small load.

Is the BKJ card safe?

The public safety posture covers an emailed activation code, PIN, optional Google Authenticator 2FA, “multiple layers of security protection” as a marketing phrase, and a custodial account model with no in-app freeze or spending cap published in the help articles I reviewed. Risks that are common to the category rather than specific to BKJ include custody risk, network-driven programme closures, and the absence of a chargeback route that goes through normal consumer-protection mechanisms. None of this makes BKJ uniquely risky, but it does mean a meaningful balance on the card is a balance held with a custodian rather than with a regulated bank.

Created by the ”Crypto Card Rating” editorial team.