Home Screen

Once the card is set up, you'll immediately access the following features on the home screen:

• The total balance in EUR and USDC equivalents
• Spending Power — the amount that can be instantly converted for card payments (Main asset balance)
• Asset tokens available for payments
• “Deposit,” “Convert,” and “Transfer” buttons
• Accumulated cashback
• Expense analytics
• Transaction history and statuses
• Spending analytics widget to assess your spending structure and accrued cashback

You can also customize your home dashboard using Nova Widgets, giving you quick access to the information that matters most.

Available widgets include:

• Last Transactions – shows your most recent card activity.
• Spent This Month – tracks your spending and gives a monthly overview.
• Total Wealth Balances – displays your overall balance. You can decide what exactly you want to be displayed: quick balance or detailed list (Main, Trade, Collateral, Earn balance). Choose the option that suits you best and click “Apply”.
• Auto-Invest – lets you monitor your investments and performance.

To customize your dashboard, follow the instructions:

1. Open the card home screen.
2. Scroll all the way down.
3. Click on the “Nova Widgets”.
4. From there, add or remove widgets and pin the ones you want to keep visible.

Pinned widgets will appear on your main dashboard. You can update your widget selection at any time, so your dashboard always reflects what’s most relevant to you.

For extra privacy, you can hide your balance and cashback by tapping on the amount. The card background automatically blurs based on the selected design.

Total Balance

The total amount available for payment is shown in EUR and is dynamically calculated based on your selected assets available on your Main balance on the exchange. The balance is refreshed frequently to ensure you always have the most up-to-date information.

Please note: Nova debit cards are intended solely for the payment of goods and services. Transfers of funds between cards or to other bank cards are not supported. When making payments with the card, the available balance from your exchange account is automatically deducted. Thus, all transactions are carried out within the available balance, with no option to top up the card directly.

Spending power

This feature provides users with a transparent and convenient tool for understanding their total financial capacity. It takes into account not only the card's main balance but also the value of supported assets available for conversion, allowing you to determine the total amount that can be spent right now.

Details of this feature are available on the main tab under the total balance amount. Clicking on the lightning symbol will open a pop-up window with a brief description of the feature. After reading this information, you can proceed to the list of available supported assets on the main balance. In this tab, you can see the total balance and the amount in EUR equivalent that will be available to you after converting assets, as well as the cashback potential (the amount of potential cashback if the selected assets are converted and spent). You can also select specific coins that you want to convert. After that, you need to click “Continue” and confirm the conversion transaction. The corresponding amount will immediately appear on your card balance.

Thus, the spending power feature allows you to activate unused funds, get the most out of cashback and always have a clear idea of your financial capabilities.

Available Assets

The asset tickers available for payments are listed under the balance sheet. When paying, the assets will be debited in the order they appear in the list, directly from the user's exchange balance. In the “Spending Priority” section, you can adjust the order in which assets are used. For example, if USDC is listed first, it will be spent first; if BTC is listed second, it will be spent after USDC, and so on. All assets available for payment are listed as follows:

USDC, BTC, ETH, XRP, SOL, NEAR, ADA, AVAX, WBT, DOGE, EURI and EURR.

Tick the ones you want to use and save the settings.

Please note: All payments in the selected asset are converted to EUR through Convert directly, but only for USDT, there is a cross-conversion USDT → USDC and then USDC → EUR.

Card top-up

After clicking the “Deposit” button, a window will open to select a card top-up method. The following options are available: 

• Apple/Google Pay
  Supports debit and credit cards. A fast top-up method without entering card details manually.
• Crypto
  Fee: 0%. Top up your card directly from your cryptocurrency balance.
• Bank transfer
  Fee: 0.1%. Top up via standard bank transfer.
• Convert to Spending
  Displays the available amount for exchange. Allows you to convert funds from the main balance to card purchasing power.