Accessing Your Account Limits
Your "Vault" page, click the account menu located on the top right of your screen to find your "Settings"
To view and manage your spending limits:
Scroll down to the "Spending limits" section
Here you'll see and be able to edit your Account current limits and available amounts
Accessing Your Card Limits
Head to your "Cash" tab through the app and click on the card you want to see or edit limits. After clicking on it, you'll see "Spending limits" section.
Click the arrow on the right to show it's menu:
Understanding the Two Limit Types
Card Limits
Card limits apply specifically to individual cards and control spending on a per-card basis.
Daily card limit
Default: $5000.00 USD
Applies only to the specific card
Refreshes every 24 hours
Can be edited as needed
Vault Limits
Vault limits apply across your entire account and all cards associated with it, providing broader spending control.
Daily vault limit:
Default: $10,000.00 USD
Applies across all cards on the account
Refreshes every 24 hours
Monthly vault limit:
Default: $10,000.00 USD
Applies across all cards on the account
Refreshes monthly
How Limits Work Together
Your spending is controlled by whichever limit is reached first. For example:
If your card daily limit is $500 and vault daily limit is $10,000, you'll be limited to $500 per day on that specific card
If you have multiple cards, each card's daily limit contributes toward your overall vault limits
Monthly vault limits provide an additional layer of control over longer periods
Card Creation Limits
To prevent abuse and excessive card creation, we’ve introduced limits on how many virtual and physical cards a user can have active at one time.
These limits are based on your account tier and work alongside a cooldown system.
Importantly, if a card is deleted before its cooldown ends, it still counts toward your limit until the cooldown expires, preventing users from bypassing limits by creating and deleting cards rapidly.
Card Limits by Tier
Tier | Max Active Virtual Cards | Max Active Physical Cards |
Core | 3 | 1 |
Luxe | 5 | 2 |
Pinnacle | 50 | 5 |
Cooldown Periods
Virtual Cards: 7 days cooldown after creation
Physical Cards: 6 months cooldown after creation
⚠️ Important:
Cooldown applies even if the card is deleted before it ends.
A deleted card still counts toward the limit until its cooldown expires.
How it Works – Virtual Card Example
If a Core user creates 3 virtual cards on June 1:
They cannot create more until June 8 (7 days after creation).
If they delete them after 2 weeks (cooldown expired):
They can create 3 new cards immediately.
If they delete them after 2 days:
They must wait until cooldown ends (5 more days) before creating new cards.
Physical Card Example
If a Core user creates 1 physical card on June 1:
They cannot create another until 6 months later (unless they upgrade tiers).
Deleting the card early does not reset the cooldown timer — the wait remains 6 months.
Abuse Prevention
Users cannot bypass limits by creating and deleting cards rapidly.
The cooldown timer locks that card slot until it expires.
If a user has reached their limit (including deleted cards on cooldown), attempts to create more will be blocked.
Limit Refresh Times
Daily limits: Reset every 24 hours from when they were last refreshed
Monthly limits: Reset on a monthly cycle
Real-time tracking: See exactly when your limits will refresh next
This dual-limit system gives you granular control over spending while maintaining security across your entire crypto card account.