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# ACK (ACK Fintech Inc.)

> The ACK card is a $0-fee Visa/Mastercard debit card: 3–4% APY on your balance, 0.5–1% back on purchases, 0% FX markup. Fund with any currency or stablecoin. Join the waitlist.

## What ACK is
3–4% APY on your balance. 0.5–1% back on purchases. $0 fees.
The ACK card is a Visa/Mastercard debit card that accepts any currency or stablecoin, with 0% FX markup anywhere in the world. Digital or physical — your choice.
Works with Apple Pay, Google Wallet and Samsung Wallet. Tap the contactless card, your phone or your watch. Add it to PayPal, Venmo and Cash App.

## What you get
- $0 card fee — No issuing, monthly or annual fee
- 3–4% APY — Annual interest on your entire balance, every day
- 0.5–1% cashback — On everything you buy
- No minimums — No minimum balance. No minimum spend.
- 0% foreign-exchange markup — You pay the network’s wholesale rate. ACK adds nothing.
- $0 ATM markup from ACK — Any ATM in the world. You pay only the ATM owner’s fee, if any. ACK adds no cost.
- Fund it your way — Dollars, stablecoin or any currency
- Spend anywhere — Any country, any currency
- Tap to pay — Apple Pay, Google Wallet and Samsung Wallet. Or tap the contactless card.

## Questions
- What does the card cost? $0. No issuing fee, no monthly fee, no annual fee.
- How does my money earn? Your entire balance earns 3–4% APY, every day, and every purchase earns 0.5–1% cashback.
- Is there a minimum? No. No minimum balance to earn, no minimum spend to earn cashback.
- Is my money safe? Yes. Your money is held at an FDIC-insured partner bank or in a U.S. Treasury money-market sweep — two of the safest places money can sit: a government-insured bank account, or U.S. government securities.
- Is ACK a bank? No. ACK Fintech Inc. is a financial technology company. Accounts and cards are provided by a partner bank.
- Where is ACK based? ACK Fintech Inc. is a Delaware corporation. The ACK card is available digitally across the United States, with ACK physical locations to follow across the US.
- Who can get the ACK card? Anyone 18 or older living in the United States, with a US address and a Social Security number or ITIN, verified with standard KYC documents.
- Can I use it in the US and abroad? Yes. In the US and anywhere in the world, in any currency. You pay the network’s wholesale exchange rate; ACK adds no markup.
- Can I use ATMs? Yes, any ATM in the world. ACK adds no markup. The ATM owner may charge its own fee.
- How do I fund it? Bank or brokerage transfer (ACH or wire) in any currency, direct deposit from your employer, or stablecoin from your wallet or exchange.
- Digital or physical? Both. Your choice.
- Does it work with Apple Pay and Google Wallet? Yes. Add the ACK card to Apple Pay, Google Wallet or Samsung Wallet and tap to pay with your phone or watch, or tap the contactless card itself. You can also add it to PayPal, Venmo and Cash App.
- How do I get the ACK card? Join the waitlist with your email. When the ACK card opens, we’ll email you; you open your account online, verify your identity, and choose digital, physical or both.
- When does it open? Join the waitlist and we’ll email you when the ACK card opens. First in, first access.
- Who is behind ACK? The ACK card is built by a founder who spent ten years taking one company from its first year to its stock-exchange listing in 2025 — running finance and general management across several countries, and leading the IPO itself end to end.
- How do I reach you? info@ackfintech.com

## Stablecoin funding
- USDC on Ethereum, Solana, Base or Polygon
- USDT on Ethereum, Solana or Tron (TRC-20)
- PYUSD on Ethereum, Solana or Polygon
- Send from exchanges and apps such as Coinbase, Kraken, Gemini, Binance.US, Crypto.com, Robinhood, PayPal, Venmo or Cash App (coins and networks vary by app), or from wallets such as MetaMask, Phantom, Coinbase Wallet, Trust Wallet, Exodus, Ledger Wallet or Trezor. Details: [Stablecoin funding](https://ackfintech.com/card/funding/)

## Pages
- [What is the ACK card?](https://ackfintech.com/what-is-ack-card/): the $0-fee Visa/Mastercard debit card from ACK Fintech Inc.
- [The ACK card](https://ackfintech.com/card/): all features
- [3–4% APY](https://ackfintech.com/card/interest-apy/): a debit card that pays interest on your entire balance, next to the 0.07% national average
- [0.5–1% cashback](https://ackfintech.com/card/cashback/): cashback on everything you buy, plus APY
- [0% FX markup](https://ackfintech.com/card/zero-fx-markup/): no foreign transaction fee from ACK
- [ATMs](https://ackfintech.com/card/atm/): $0 ATM markup from ACK at any ATM in the world
- [Stablecoin funding](https://ackfintech.com/card/funding/): USDC, USDT and PYUSD, networks, exchanges and wallets
- [Apple Pay, Google Wallet and Samsung Wallet](https://ackfintech.com/card/apple-pay-google-wallet/): tap to pay with phone, watch or card
- [$0 fees](https://ackfintech.com/card/no-fees/): no issuing, monthly or annual fee, no minimums
- [Who can get it](https://ackfintech.com/card/eligibility/): 18+, US address, SSN or ITIN
- [How your money is held](https://ackfintech.com/security-and-protection/): FDIC-insured partner bank or U.S. Treasury money-market sweep
- [APY calculator](https://ackfintech.com/tools/apy-calculator/)
- [Compound interest calculator](https://ackfintech.com/tools/compound-interest-calculator/)
- [Savings calculator](https://ackfintech.com/tools/savings-calculator/)
- [FX markup calculator](https://ackfintech.com/tools/fx-markup-calculator/)
- [Currency converter](https://ackfintech.com/tools/currency-converter/)
- [What is APY?](https://ackfintech.com/learn/what-is-apy/)
- [About ACK Fintech](https://ackfintech.com/about/)
- [Press kit](https://ackfintech.com/press/)

## Listed on
- [Product Hunt](https://www.producthunt.com/products/ack-card): ACK card launch page
- [Uneed](https://www.uneed.best/tool/ack-card): ACK card listing
- [Peerlist](https://peerlist.io/ack_fintech/project/ack-card): ACK card project
- [MicroLaunch](https://microlaunch.net/p/ackcard): ACK card launch
- [TinyLaunch](https://www.tinylaunch.com/launch/24814-ack-card): ACK card launch page
- [Indie Hackers](https://www.indiehackers.com/product/ack-card): ACK card product page
- [Crunchbase](https://www.crunchbase.com/organization/ack-fintech): ACK Fintech company profile
- [Wellfound](https://wellfound.com/company/ack-fintech): ACK Fintech company profile
- [F6S](https://www.f6s.com/ack-fintech): ACK Fintech company page

## Company
ACK Fintech Inc. is a financial technology company, not a bank. Banking services are provided by a partner bank.
ACK Fintech Inc. is a Delaware corporation headquartered in New Jersey.
ACK Fintech Inc. and the ACK debit card are not affiliated with Catena Labs' Agent Commerce Kit (ACK), ACK Asset Management or ACK Solutions.
Contact: [info@ackfintech.com](mailto:info@ackfintech.com)
Website: [https://ackfintech.com/](https://ackfintech.com/)