Frequently asked
questions

Rizon lets you deposit, send, receive, and spend stablecoins. It includes a self-custodial wallet, global crypto cards, cross-border payments, and merchant support at millions of locations worldwide.

‍

Deposit stablecoins from Arbitrum, Solana, Base, and other supported chains directly into your Rizon non-custodial wallet.

Yes- either send them back to a wallet you own or spend them via your Rizon Crypto Card.

They’ll receive an invite link to claim the funds. The recipients needs to create a Rizon account to receive the funds. If they don’t create an account within 30 days, the funds will return to your wallet.

Upon the signup each user gets a unique RizTag (e.g. @michaela). Just enter the tag, phone number or email and send instantly - no need for long wallet addresses.

Super easy - just add it directly from the RIZON app:

For Apple Pay:

1. Open your RIZON app
2. Go to the Cards section
3. Select the card you want to add
4. Tap “Add to Apple Wallet” and follow the prompts

For Google Pay:

1. Open your RIZON app
2. Go to the Cards section
3. Select the card
4. Tap “Add to Google Wallet” and follow the steps

If you run into any hiccups, our support team is always here to help.

Yes! Our card issuance partner, Rain Cards, automatically uses your stablecoin balance with the lowest available conversion fee to a local currency at the moment of payment. You can also choose to display your balance in your local currency- even though your funds stay in digital dollars. No extra steps needed!

Go to the Cards tab → Pick a card → Tap Settings → Tap “Terminate card.”

• First virtual card: Free

• Extra virtual cards: $20 each

• Physical cards: Discounted now for a limited time
‍

Check all prices in the app.

Not right now. But soon, you’ll be able to set your own limits in the app for spending control and safety.

We take privacy seriously. Read our Privacy Policy here. Questions? Email us at [email protected].

To keep RIZON secure and compliant, we have a one account per person policy. If you try to open more than one, your application may be declined.

Think this was a mistake? No worries- just reach out to RIZON Support and we’ll help sort it out.

‍

Make sure notifications are on for the Rizon app. OTPs come through the app, not by text. If it still doesn’t work, update the app or contact support.

Reach out to Rizon support- we can take a closer look. You might need to provide more evidence.

Yes. We only collect what’s necessary and follow strict global data privacy standards. Your personal and transaction data is encrypted. For more information visit Rizon Privacy Policy. 

‍

• Correct stablecoin currency (e.g. USDC or USDT)
• Right network (e.g. Solana, EVM)
• Your wallet address
• Avoid unsupported coins

For more information read our guide.

Some hotels can take up to 30 days to release deposits. It depends on their process and payment provider.

If Rizon blocks it, you’ll get a notification. If not, the issue is probably with the merchant. Try contacting them directly.

Most likely, you didn’t include enough evidence- like screenshots, receipts, or chat logs with the seller. No worries- just reach out to RIZON Support and we’ll help sort it out.

No. If the seller can prove they delivered what they promised, the dispute won’t go through.

Stablecoins can travel on different blockchains. Picking the right one helps make sure your money arrives safely.

Most transactions are instant. Times may vary depending on blockchain network congestion.

They’re right here, or you can find them in the app under Profile → Terms and Conditions.

‍

Yes! Our cards work with PayPal. If there’s an issue, just contact support- we’ll help sort it out.

We currently support Solana and EVM-compatible networks like Polygon, Base, Arbitrum and others.

You can send and receive USDT (Tether) and USDC (USD Coin).

Your funds are completely safe- even if Rizon were to stop operating. When you sign up for Rizon, a non-custodial wallet is automatically created for you in the background. You're the sole owner, meaning only you can access and control your assets. No one else, including Rizon, can access them. 

For more details on how our infrastructure works, please refer to our Terms of Service.

‍

An on-chain transfer is a secure way to send or receive digital currencies like stablecoins directly over a blockchain network. Unlike centralized payment systems, on-chain transfers are transparent, irreversible, and fully decentralized- giving you full control over your funds.

How It Works

• Share Your Wallet Address or QR Code
  To receive funds, simply share your Rizon wallet address or QR code.
• Use a Supported Blockchain Network
  Transfers occur on public blockchains such as Base, Polygon, or Solana. These networks act as decentralized ledgers, ensuring transparency and security.
• Choose the Right Stablecoin & Network
  Make sure the sender uses a supported stablecoin (like USDC or USDT) and selects the correct network that matches your Rizon wallet. Using an unsupported network can result in lost funds.
• Transaction Confirmation Time
  Once the transfer is initiated, funds typically arrive within minutes, though it can take longer during periods of network congestion. You’ll see the incoming transaction confirmed on-chain and reflected in your Rizon wallet shortly after.

‍

A stablecoin is a digital dollar backed 1:1 with real USD, designed to keep its value stable.With Rizon, you're not sending crypto that fluctuates — you're sending digital dollars like USDC or USDT, which are always worth $1. For more information read our blog What Is USDC (USD Coin) & How It Works.

Rizon sends money faster, cheaper, and directly in dollars. Unlike banks or Wise, there’s no need to convert currencies or wait for settlement - your recipient gets the dollars, instantly.

Nope - with Rizon, you send dollars, and your recipient receives and spends dollars.It’s a full dollar account at their fingertips - no forced conversion.

Yes - they can spend, send to other users, or cash out dollars via Rizon.Even if they live in a country with limited access to USD, Rizon gives them real dollar utility.

Transfers typically settle in seconds. Unlike banks or remittance services, there’s no delay - it’s as fast as sending a message.

Yes - Rizon is self-custodial, meaning only you control your money.We don’t touch your funds, and your wallet is secured through modern encryption with trusted partners like Privy.

Not at all. We’ve built Rizon to feel like a familiar finance app - no seed phrases, no jargon. It’s just dollars that move better.

No.Your Rizon wallet is your global dollar account - no local bank required.

Only real card purchases (groceries, shopping, subscriptions, services, etc.).Transfers, wallet-to-wallet moves, and topping up accounts (PayPal, Revolut, Skrill, Zen, exchanges, etc.) do not count.

No, ATM withdrawals and cash equivalents (like gift cards, prepaid cards, or gambling sites) do not qualify.

No — transactions must meet the minimum purchase requirements set in the referral program. Artificially splitting payments or gaming the system won’t be counted.

All transactions are automatically checked by our system and reviewed against the program rules. If they don’t meet the criteria, the referral is not valid.

Once your friend completes the eligible transactions, rewards are usually credited within 3–5 business days.

Yes — if fraud or abuse is detected (e.g., using Revolut top-ups or non-purchase transfers), Rizon reserves the right to revoke rewards.

This ensures referrals are genuine and not just one-time signups.

Only one qualifying card purchase per day counts.

The Rizon Visa Card allows you to spend stablecoins like USDC or USDT globally, anywhere Visa is accepted. Instead of off-ramping to a bank first, your digital dollars become directly spendable in the real world.

No.You can onboard and fund your account easily. If you already hold stablecoins, you can connect and start spending. If not, we guide you through the process.

No, it’s not a credit card.It’s a debit-style Visa card that lets you spend your available balance.You’re spending your own funds, no debt, no revolving interest.

Anywhere Visa is accepted worldwide, online and offline.That includes:‍

• Travel bookings
• Subscriptions
• Online shopping
• In-store purchases
• Business expenses

‍

Most crypto cards:

• Require manual conversions
• Add hidden FX markups
• Have complex fee structures
• Focus on rewards instead of usability

Rizon is built around one core principle:Frictionless global spending powered by stablecoins.

Yes. The card operates on Visa’s global network infrastructure and follows strict security and compliance standards.Transactions are protected by modern encryption and fraud prevention systems.

No, you can use your Rizon USD - ACH, FedWire, RTP/FedNow details.

Once Deel sends your funds, they will arrive at the same time as they would to any US bank account.

Yes, send globally right from the app to 122 countries.

No, Rizon is non-custodial; you control your wallet and can take away your funds with you any time.

If a referred user reverses a payment or successfully disputes a charge, the corresponding commission is reversed. For initial subscription commissions specifically, there's a 30-day confirmation window - if the subscriber cancels or disputes within that period, the commission is forfeited. For card activations and transactions, commissions are reversed if the underlying transaction is refunded. This keeps the program fair and ensures commissions reflect real, lasting revenue.

A few things will get your account terminated immediately: referring yourself (directly or indirectly), creating or referring fake accounts, running paid ads using Rizon's brand name or logo without written permission, and offering people cash or gifts to sign up through your link. You also can't misrepresent Rizon's product or pricing, use spam or unsolicited messaging to drive referrals, or use any tool that manipulates referral tracking. If you're unsure whether a promotion method is allowed, reach out before using it - it's not worth the risk.

Your link is a smart link that handles every scenario. If someone clicks it on their phone and already has the Rizon app installed, it opens the app directly and your referral code is automatically applied. If they don't have the app yet, they'll be taken to the App Store or Play Store - and once they install and open Rizon, your referral code is automatically retrieved and applied behind the scenes. No manual code entry needed. If someone clicks your link on a desktop, they'll be directed to download the app, and your referral code is carried through to their account when they sign up.

Commissions are calculated at the end of each calendar month and paid within 15 business days after the month closes. Earnings go directly to your Rizon account. The minimum payout threshold is $50 - if your balance hasn't reached that yet, it carries over to the next month and keeps building until it does. You're responsible for any taxes applicable to your earnings in your country.

Yes - that's one of the things that makes the Rizon Partner Program different. Recurring subscription commissions are paid every billing cycle for as long as your referred user stays subscribed. There's no time limit. If you referred someone two years ago and they're still on an Emerald plan, you're still earning every month they renew. You also earn a small commission on every card transaction your referred users make, indefinitely.

A referred user must complete one of the following within 30 days of clicking your link: activate a Virtual Card, purchase a Physical Card, start a paid Gold or Emerald subscription, renew an active subscription, or make a card transaction. If none of these happen within 30 days of their click, the referral won't be attributed to you. Note: for subscription commissions, the initial payment is only confirmed after the referred user has remained subscribed for 30 days - so if they cancel early, that commission won't be paid.

VIP is our top tier, reserved for partners who have a proven audience and track record. Unlike the other levels, it isn't unlocked automatically - you apply for it. You must be at Level 2 or above to apply. If accepted, you earn all Level 3 commission rates plus a fixed monthly salary paid on top of your commissions every month, regardless of activity. The salary amount is agreed individually and set out in a VIP Agreement. To apply, tap "Request to join" in your Partner dashboard.

Levels are based on how many friends you refer who activate a Virtual Card using your link. Reach 10 activations and you move to Level 2 (Pro). Reach 30 and you move to Level 3 (Elite). Once you reach 50 card activations, your account moves to the top of our VIP review list - giving you the highest chance of getting approved. Progression is automatic - there's nothing to apply for. Your level is cumulative and doesn't reset, so every referral counts toward your total permanently.

It depends on your level and what your referrals do. As a starting point at Level 1: you earn 20% on every virtual card activation, 15% on every physical card purchase, 25% on the first payment of any subscription, and 15% every month that subscriber renews. You also earn a small percentage on every transaction your referred users make with their card. Rates increase as you progress to Level 2 and Level 3 - and VIP partners earn all Level 3 rates plus a fixed monthly salary on top.

When you join, you get a unique referral link and code. Share it with your audience - when someone signs up through your link and takes a qualifying action (activates a card, starts a subscription, or makes a transaction), you earn a commission. The more people you refer, the higher your level - and the higher your commission rates. Every Rizon user is automatically enrolled as a partner, so your link and code are already waiting in your Partner dashboard from day one.

You’ll see all of your earnings and detailed information on the ‘Partner’ dashboard in-
app. All payouts will be made to your Rizon account.

No, joining is completely free.

Any verified Rizon user can join Rizon partner program and start earning commission. To become a user you must first pass KYC with your ID/ Passport or any other qualifying identification.

Earn up to 30% commission on subscription plans and up to 25% on card activations -
with recurring monthly income every time your referrals stay subscribed. The best
performers get personally invited to our Partner Program with a fixed monthly fee on top.
The only partner program where you can climb your way up to a fixed monthly income
on top of commissions.

• First 1,000 virtual cards: Free
• After that: $10 issuance fee
• ATM withdrawals: small fee may apply depending on location.

See the full fee schedule.

Yes. You can send stablecoins to any wallet address, phone, or email (except for a few blacklisted countries - see list), as long as the recipient accepts stablecoins.

Log into your Rizon account, tap “Send,” choose the amount, and enter the recipient’s phone number, email, or Rizon tag (RizTag). When you're sending money to a non-existent Rizon user, we’ll notify them via SMS or email with transaction details and an invite to join Rizon. 

Sending to other Rizon users is instant and fee-free.

‍

When you sign up, a non-custodial wallet is created for you- securely tied to your identity but fully private and accessible only to you. We’ve partnered with Privy to ensure your wallet is generated and encrypted safely on your device using advanced security tools like Face ID, passkeys, and biometric verification.

When you deposit stablecoins, your funds don’t go to a centralized account- instead, they’re stored in a smart contract vault managed on-chain. This vault is deployed and maintained by Rain Cards, and your Rizon wallet is its sole owner. That means no bank, exchange, or even Rizon can move or access your money.

‍

Rizon is an iOS and Android app that allows you to send, spend, and save stablecoins globally. It provides a seamless way to manage your digital assets without the hassle of off-ramping, offering services like crypto cards, cross-border payments, and more.

You can find your referral code directly in the Rizon app, right next to your profile.

No, just your Rizon US-based virtual Visa.

You send standard bank transfers in your chosen currency. Rizon shows fees and FX clearly; follow your local reporting rules.

• To Rizon users: Free
• To external wallets/contacts: You only pay network gas
• Account maintenance: Free

See the full fee schedule

Rizon is an iOS and Android app that allows you to send, spend, and save stablecoins globally. It provides a seamless way to manage your digital assets without the hassle of off-ramping, offering services like crypto cards, cross-border payments, and more.

Rewards are typically credited within 48-72 hours after your referred friend completes the required actions. If you haven't received your reward by then, please contact our support team for assistance.

‍

Works anywhere Visa is accepted; some services may have extra requirements.

Virtual accounts in AED, BRL, EUR, GBP, MXN, NGN, PHP, COP, USD, with rails like ACH / SEPA / Wire / RTP / SWIFT plus local payouts in 50+ countries.

Most Rizon features are free. Minimal fees apply to card issuance, network gas, and ATM usage. See the full fee schedule.

Yes! You can invite anyone, even those who have used Rizon before. However, please note that rewards may only be earned for new users or users who haven't participated in the referral program previously.

No, non-custodial by design; you control your money.

Speed depends on the rail and destination country. The app shows an ETA before you send and a receipt after.

Yes - Rizon crypto cards works anywhere Visa is accepted.

To refer your friends, simply go to the "Invite Friends" section in the app, where you'll find your unique referral code. Share this link via text, social media, or any messaging platform. When your friends sign up with your code, you'll earn rewards.

Simple, transparent pricing shown in-app before you pay.

Yes, add your virtual card to Apple Pay/Google Pay, use it online or in-store, and withdraw cash at ATMs.

Apply directly in the Rizon app. Virtual cards are issued instantly; physical cards are shipped to your address.

Yes, you can invite up to 10 friends. That means you can earn a maximum of $400 through the referral program.

Limits and fees vary by rail and region. Rizon shows all costs upfront before you confirm.

They’re physical and virtual cards that let you spend your stablecoins at 100M+ merchants and ATMs worldwide. Rizon cards are issued by our partner Rain cards.

You can restore access using your recovery phrase or multi-factor options provided during setup.

Yes. We only collect what’s necessary and follow strict global data privacy standards. Your personal and transaction data is encrypted. To learn more about Rizon privacy policy visit: https://www.getrizon.com/privacy-policy

We use advanced encryption, multi-factor authentication, and biometric login to keep your account safe. Your wallet is self-custodial- you control the keys. For more information you can read the guide on how Rizon works.

Most transactions are instant. Times may vary depending on blockchain network congestion.