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Card and tiers

No, a debit card: you spend only what you have topped up. There is no credit limit.
Maintenance is $0 for all 3 years, and there is no subscription. The only recurring fee is the top-up fee: 2.8% on Standard, 2% on the other tiers.
No. Instead there is the Royalty Program: rewards for recommending the cards.
Renewal terms are published in advance, before the card term ends.
One active card per verified identity. Everyone gets a card in their own name.
Limits are tied to the tier: higher tier, higher limits. You can upgrade at any time.
No.

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Top-up and payments

No, top-up is crypto only: USDT (BEP-20, TRC-20) and USDC (BEP-20).
Usually within minutes after network confirmation.
Yes. The balance is in dollars; payments in other currencies go through the payment network’s conversion.
No, and that is part of the privacy: the card stays outside the automatic exchange of banking data. Incoming bank transfers are not accepted.
Yes, with the physical Signature and Black cards - up to $3,000 per day.

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Verification and geography

An international passport - for everyone; for most nationalities a driver’s license or an ID card also works. The document must be valid.
No. Only the form, a document and three photos.
The list of available countries is shown in the application form; it is set by the banking partner.
18 and older.
No, verification for the card is passed separately - a requirement of the banking partner.

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Royalty Program

No. There are no fees, and ranks are not for sale - only team volume and team requirements. Rewards are paid exclusively from card sales.
No. Volume accumulates for life, and a career rank is never downgraded.
The sponsor is fixed once and forever. Disputes are resolved by support using the system’s records.
Only the “who invited you” connection. Teams, volumes, ranks and balances do not transfer - the cards platform starts from zero.
That depends on the laws of your country - consult a tax advisor.

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Security

Funds sit in a segregated account apart from the bank’s capital, and deposits are insured.
The only official website is rwanftcards.com. The platform never asks for passwords, codes or documents outside the site.

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Waitlist

No, the application is free. If anyone asks money for a place in the queue - they are scammers.
Verification in advance and an instant purchase on launch day, a personal referral link that already works, and a queue with early access building up.
Not on the waitlist. At the sales launch a sponsor is needed to purchase - assigned automatically or by code.
5,000, and the counter of remaining spots is on the site. Your queue position gives early access to purchase.