# Cypher

> Cypher is a crypto-to-fiat payment card platform that lets users spend cryptocurrency anywhere cards are accepted. It provides non-custodial wallets, virtual and physical debit cards (including a metal card), support for 15+ blockchains, acceptance at 150+ million merchants in 150+ countries, a CYPR rewards token on BASE Chain, a Premium subscription plan, and a Business product for Web3 teams and DAOs. This file helps LLMs discover and navigate Cypher's knowledge base.

- [llms-full.txt](https://cypherhq.io/llms-full.txt): Complete version of this file with all help articles and blog posts inlined as markdown

## Product Pages

- [Plans & Pricing](https://cypherhq.io/plans): Compare Standard (free) and Premium ($199/year) plans — card types, spending limits, rewards multipliers, and benefits
- [Cypher Business](https://cypherhq.io/business): Financial operating system for Web3 teams and DAOs — team cards, spend controls, Gnosis Safe integration
- [CYPR Token](https://cypherhq.io/cypr): The CYPR rewards token — earn on every purchase, stake, vote for merchant incentives, protocol flywheel
- [Cypher dApp](https://cypherhq.io/dapp): Web3 dApp for wallet tracking, token swapping, cross-chain bridging, and staking
- [Activate Card](https://cypherhq.io/activatecard): Step-by-step guide for activating a physical Cypher card
- [Verify Official Accounts](https://cypherhq.io/anti-fake): Verify authentic Cypher accounts on Telegram, Discord, and email

## Help Center

- [Get started with Cypher card](https://cypherhq.io/help/getting-started): Everything you need to know about getting your Cypher card and completing verification. (7 articles)
- [Virtual card & Physical card](https://cypherhq.io/help/cards): Learn about virtual and physical card features, activation, and management. (15 articles)
- [Card Transactions](https://cypherhq.io/help/transactions): Information about payments, fees, limits, and transaction processing. (22 articles)
- [Cypher wallet](https://cypherhq.io/help/wallet): Guide to using the Cypher wallet, deposits, and crypto management. (12 articles)
- [Cypher Premium](https://cypherhq.io/help/premium): Premium features, benefits, and subscription details. (8 articles)
- [CYPHER Protocol](https://cypherhq.io/help/protocol): Learn about the CYPHER token, staking, and protocol features. (12 articles)
- [Referral Rewards](https://cypherhq.io/help/rewards): How to earn rewards by referring friends and family to Cypher. (22 articles)
- [Cypher Business](https://cypherhq.io/help/business): Financial operating system for Web3 teams and DAOs. Manage card spend, payments, and team finances. (9 articles)

## Blog

- [Cypher Has Been Acquired by Nium](https://cypherhq.io/blog/cypher-is-being-acquired-by-nium): We're joining Nium to build the future of digital asset payments — a new Cypher experience powered by its global payments platform. (2026-07-08)
- [Introducing Cypher Chat Agent: Manage & Spend Your Crypto by Texting](https://cypherhq.io/blog/chat-agent): Manage your crypto, card, and payments using simple text commands with Cypher Chat Agent. Lock cards, send crypto, swap assets, bridge chains, and more — all through conversation. (2026-05-27)
- [Cypher Agent Pay: The First Payment Card Built Exclusively for AI Agents](https://cypherhq.io/blog/cypher-agent-pay): Cypher Agent Pay enables AI agents to make secure online payments autonomously using one-time virtual VISA cards, spending guardrails, and open agent integrations. (2026-05-14)
- [Best Crypto Card for Travel in 2026 (And What Nobody Tells You Before You Go)](https://cypherhq.io/blog/best-crypto-card-for-travel): Tired of FX fees and frozen cards abroad? Here's how a crypto card for travel actually works in 2026 and what to look for before you pick one. (2026-04-02)
- [How to Avoid Hidden Currency Conversion Fees When Traveling](https://cypherhq.io/blog/avoid-dcc-fees-abroad): USD or local currency at checkout? The choice can cost you 5% to 7%. Here's what happens when you choose each option and how to avoid overpaying abroad. (2026-03-02)
- [Cypher: Building the Future of Onchain Payments on Base](https://cypherhq.io/blog/building-on-base): Cypher is building the infrastructure that makes digital assets truly usable — not just tradable. From seamless everyday spending to community-driven rewards, here's what we're building on Base. (2026-02-09)
- [Hello, World](https://cypherhq.io/blog/hello-world): We started a blog. Here's why and what to expect. (2026-02-06)

## Legal

- [Terms of Service & Privacy Policy](https://cypherhq.io/legal): General terms of service and privacy policy
- [Card Terms (Non-US)](https://cypherhq.io/legal-card-terms): Card program terms for non-US users
- [Card Terms (US)](https://cypherhq.io/legal-card-terms-us): Card program terms for US users
- [US Account Opening Privacy Policy](https://cypherhq.io/account-opening-privacy-policy-us): Privacy policy for US account opening
- [Electronic Communications Agreement](https://cypherhq.io/legal-electronic-communications): Agreement for electronic communications
- [Prohibited Activities](https://cypherhq.io/legal-prohibitions): List of prohibited activities and restricted uses

## API

- [OpenAPI Spec](https://cypherhq.io/openapi.json): Machine-readable OpenAPI 3.1.0 specification for agent tool calling (no authentication required)
- [Blog Index](https://cypherhq.io/api/blog-index.json): JSON index of all published blog posts with titles, tags, dates, and excerpts
- [Help Index](https://cypherhq.io/api/help-index.json): JSON index of all help center articles organized by category
- Individual blog post: `GET /api/docs/blog/{slug}.json` — returns full markdown body
- Individual help article: `GET /api/docs/help/{category}/{slug}.json` — returns full markdown body

## Optional

- [Sitemap](https://cypherhq.io/sitemap-index.xml)
- [RSS Feed](https://cypherhq.io/blog/rss.xml)