I am hearing about this card for the first time and have searched the net already. Yes, it is a card which can be used to receive money directly to this card and can spend directly from that card, it can be a debit or credit card and its activation fee (one time most probably) is 9.95$ and monthly a/c maintenance fee is 3$. Though it is telling that it can be used by the non-us citizens also, but how could it be possible, I don't know.