Cypher
Crypto spending platform combining in-app swaps, cross-chain bridges, and a non-custodial
Cypher is a crypto spending platform founded in 2022 that combines in-app swaps, cross-chain bridges, and a non-custodial crypto card, allowing users to hold their own assets while spending them in everyday life. The platform is currently winding down following its acquisition by Nium. Card spending ends August 8, 2026, and the mobile app, dApp, business platform, and CYPR ecosystem shut down September 6, 2026. Users can withdraw funds without fees before shutdown, and support remains available throughout the wind-down period.
Core capabilities include in-app token swaps, cross-chain bridging, and a non-custodial card with USDC loading. Cypher also offers a Premium plan with a metal card, doubled rewards, lower forex fees, higher spending limits, add-on cards, fraud coverage, and priority support, though Premium is no longer available for purchase. A separate Cypher Business portal serves teams and DAOs, with statements and records downloadable before shutdown. The Cypher Wallet App, Autoload, and Protocol have been security audited by OAK Security.
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Ranked by how well each tool replaces Cypher: shared features, audience, price and popularity.
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