Fizen vs SurfCash
Fizen: Tether-invested travel neobank: card + local QR payments across APAC/MENA.
SurfCash: USDC → VietQR/PromptPay/PIX in ~10s; 0.5% fee; the rails cards can't touch.
Side by side
| Fizen | SurfCash | |
|---|---|---|
| Category | web3-native | web3-native |
| Audience | travel & digital nomads | travel & digital nomads |
| HQ | Ho Chi Minh, VN | — |
| Founded | 2022 | 2025 |
| Custody | Self-custodial | Self-custodial |
| Regulation | Self-custodial software | Self-custodial software |
| Licence detail | — | Self-custodial (BVI entity); decentralized protocols + licensed local partners; Circle Alliance |
| Card | Visa/MC · Virtual + physical | No card |
| Cashback | Offers | — |
| Yield | — | Up to 15% (Perena) |
| Stablecoins | Yes | Yes |
| KYC | Card only | No |
| Regions | Asia | Asia |
| Reported users | — | — |
go deeperFull profiles: Fizen · SurfCash — or run your own comparison of up to four in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.