We're working hard to launch the Connect Financial customer portal. In the meantime, you can stake CNFI, join the waitlist and stay up to date.


Can I have additional cards linked to my account?

Every Connect Financial account can have unlimited credit cards with linked collateral wallets.

Your primary card is the card that you created when you first signed up for your account. It is always the highest tiered card on your account, and you must maintain the required staked token amount for that card tier.

When you sign up for supplementary cards, you will need to stake additional tokens.

Also, each card on your account has its own linked wallet and requires its own collateral. Supplementary cards cannot share the same collateral wallet as the primary card.


Signing up for additional cards

To add supplementary cards to your account you will need to stake additional Connect Financial tokens for each of them.

The required level of tokens to be staked is 25% of the face value for additional cards.

For example, if you choose a Gold Tier as your primary card and one Gold Tier card and two Silver Tier cards as supplementary cards, your staking requirements are as follows:

  • Gold (Primary) - 20,000 sCNFI

  • Gold (Additional) - 5,000 sCNFI

  • Silver (Additional) - 1,250 sCNFI

  • Silver (Additional) - 1,250 sCNFI

  • TOTAL = 27,500 sCNFI

Card tier

BASIC

SILVER

GOLD

PLATINUM

BLACK

Required staked CNFI (primary) ¹

0

$1,500

$7,500

$50,000

$250,000

Required staked CNFI (supplementary) ¹

0

$375

$1,875

$12,500

$62,500

Minimum credit limit

$500

$500

$1,000

$5,000

$20,000

Maximum credit limit

$5,000

$20,000

$50,000

$250,000

$1,000,000

Annual fee

$129

$89

$49

$0

$0

Initial card fee + shipping

$49

$29

$0

$0

$0

¹ USD equivalent value

If your selected supplementary card tier is higher than your membership tier, you may also need to pay an additional upgrade fee.

Additional cards always use the name of the account owner.


Supplementary card benefits

When you sign up for supplementary card/s, they will inherit the interest rate from the primary card. Other card benefits relate to the tier of the card.

Membership tier benefits for credit cards

Membership tier

BASIC

SILVER

GOLD

PLATINUM

BLACK

Eligible for $0 card tier ¹

Credit interest rate (APR) ²

14.9%

12.9%

10.9%

8.9%

7.9%

Cash-back on eligible purchases ³

0%

Up to 2%

Up to 3%

Up to 4%

Up to 5%

Entertainment credit ⁴

$0

$0

$15

$50

$100

Card tier benefits (primary and supplementary cards)

Card tier

BASIC

SILVER

GOLD

PLATINUM

BLACK

Minimum credit limit

$500

$500

$1,000

$5,000

$20,000

Maximum credit limit

$5,000

$20,000

$50,000

$250,000

$1,000,000

Metal cards

Concierge

Hotel perks

Lounge pass

Annual fee

$129

$89

$49

$0

$0

Initial card fee + shipping

$49

$29

$0

$0

$0

Card Replacement fee¹

$50

$50

$50

$0 / $50

$0 / $50

Late payment fee²

$29

$29

$29

$0 / $29

$0 / $29

CNFI staking requirement for additional cards

$0

$375

$1,875

$12,500

$62,500

Credit LTV (crypto)

up to 50%

up to 50%

up to 50%

up to 50%

up to 50%

Credit LTV (stablecoin)

up to 100%

up to 100%

up to 100%

up to 100%

up to 100%

Credit LTV (fiat)

up to 100%

up to 100%

up to 100%

up to 100%

up to 100%

Monthly fee-free ATM withdrawals

$0

$500

$1,000

$2,500

$5,000

ATM fee after fee-free withdrawals

2.5%

2.5%

2.5%

2.5%

2.5%

Transaction insurance

$250

$1,000

$2,500

$5,000

$5,000


What happens to my card if I unstake CNFI tokens?

To maintain your card tier, you need to maintain the required amount of staked CNFI tokens. If your staked tokens fall under the amount required for your tier, your tier may be reduced or your card may be cancelled.

If you have additional cards, the card with the highest tier must have the full face value of CNFI tokens staked.

For example, if your primary card had a gold tier, you will have staked $7,500 USD value CNFI tokens. If you apply for an additional card at a silver tier, you will need to stake and additional $375 of tokens (25% of $1,500). In total, you will have $7,875 worth of tokens staked across your two cards.

If you cancel your primary card, your additional silver tier card will require a further $1,125 CNFI tokens to be staked to maintain its tier ($1,500 - $375 = $1,125).


Multiple cards and access to a line of credit

The responsibility for these additional cards lies with the primary account holder. An important thing to note here is that for each additional card, you will have to have a separate collateral account.

The amount of credit available on each additional card depends on the type of funds used as collateral.

Learn more about managing collateral.

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