The Card

The Unity Card

A Visa card that pays itself. Lock UNY or USDu as collateral, earn yield continuously, and let that yield cover your card balance. Spend anywhere Visa is accepted — your rewards handle the bill.

How It Works

You lock UNY or USDu as collateral. That balance earns yield daily. At the end of each billing cycle, accumulated yield is applied to your card balance first. If yield exceeds your spend — zero payment required. If it falls short, you pay only the difference. Interest rate on the remainder: 0%.

Card Tiers

Four tiers based on locked UNY value. Each higher tier adds cashback, perks, and a higher spending limit.

• Slate — Entry tier. Standard cashback. Virtual + physical card.
• Steel — 2% cashback on all spend. Higher limit. Priority support.
• Gold — 3% cashback. Airport lounge access (LoungeKey). Premium metal card.
• Obsidian — 5% cashback. Unlimited lounge access. Concierge. Highest limits.

Rewards

Cashback is paid in USDu to your wallet. It compounds with your existing balance, earns yield, and can be used for future card payments or withdrawn. The cashback flywheel: spend → earn → compound → earn more.

No Annual Fee. No Interest.

Unity Card has no annual fee at any tier. The collateral you lock is the product — it earns yield that services your balance. We do not charge interest on unpaid balances because the model does not require it. If your yield covers your spend, you pay nothing. If it does not, you pay only the principal.