Plasma One vs Brighty Card
Plasma One scores 10/16, Brighty Card scores 8/16 on the CBL Card Score. Here is every criterion side by side.
 Plasma One |  Brighty Card | |
|---|---|---|
| Custody | 2 of 2 | 1 of 2 |
| Issuer and licence | 1 of 2 | 2 of 2 |
| Availability | 1 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 0 of 2 | 1 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 2 of 2 | 1 of 2 |
| Total | 10 | 8 |
The short verdict: Plasma One leads overall (10 to 8). Self-custodial; keys held via Privy, 1% markup plus Visa fee on Lite FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Plasma One | Paid in XPL. Lite 2% headline, laddered by spend band in the help centre. Core 3% on the first $1,000 a month, 2% on the next $1,000, 1% on the next $1,000, 0.25% after that, plus 5% on AI subscriptions up to $500 a month. Platinum 4% on the first $3,000, 3% on the next $7,000, 2% on the next $5,000, 1% after that, plus 10% on AI spend and on eligible flights up to $600 a year (official, tier pages and rewards addendum, checked 20 Oct 2026). "Rates are variable and subject to change" (official). |
| Brighty Card | 0.5% in USDC on eligible purchases on all plans; selected categories 1.25% to 1.75% depending on plan; monthly caps USDC 20 on One, USDC 60 on Plus, USDC 100 on Pro (official, help article "What is Cashback?", 5 Mar 2026). Excludes ATM withdrawals, transfers, top-ups, gambling, crypto purchases and Curve pass-through cards; most cashback posts within 5 business days and moves to the Reward Box the next month (official, cashback terms, 01.10.2026). |
Cashback is shown as a dated fact and never scored.