可申请地区
支持申请或可正常开卡使用
159条
- 证据来源
- 官方支持
- 更新时间
- 2026/08/14

最近更新:2026/09/14
Keytom Card 是 Keytom 面向个人用户提供的 Visa 加密支付卡,可单独开通,也可与 Keytom 的法币及加密资产账户配合使用。卡片以美元计价,消费资金来自用户自己的 USDC 余额,并在需要时自动完成币种转换。当前提供虚拟卡和实体卡,可覆盖线上购物、软件订阅、线下消费、旅行支付以及实体卡 ATM 取现等日常和跨境支付场景。
Keytom 将法币账户、加密资产账户和 Visa 支付卡整合在同一平台。用户可直接转入 USDC,也可把账户中的欧元或已支持加密资产兑换为 USDC,随后由卡片余额完成消费;卡片也允许在不申请 EUR IBAN 的情况下单独使用。当前虚拟卡主要面向线上购物、订阅及移动支付,实体卡进一步支持非接触式线下消费和常规 ATM 取现。卡片采用 credit BIN,因此可兼容部分酒店、租车等偏好信用卡 BIN 的场景,但它并不是授信产品,实际消费仍来自用户自己的余额。卡片固定以 USD 计价,非美元消费自动换算,线上交易可使用 3DS 短信验证码验证。
比较不同卡片形态与等级的真实费用记录
按住或滑动表格任意区域,左右查看全部卡片;左侧项目保持固定
K Keytom Virtual Card | K Keytom Physical Card | |
|---|---|---|
| 卡片类型 | 虚拟卡 | 实体卡 |
| 费用 | ||
| 月费 | 10 USDC 每张激活卡收取 | 10 USDC 每张激活卡收取 |
| 开卡费 | 免费 免费发行 | 50 USDC 配送费用 |
| ATM 取现费 | 0.66 USDC 美元取现2%,非美元取现3.35%,最低0.66 USDC | 0.66 USD 美元取现2%,非美元取现3.35%,最低0.66 USDC |
| 货币转换费 | 2.35% 非美元卡支付费率 | 2.35% 非美元卡支付费率 |
| 充值费 | — | — |
| 交易失败费 | — | — |
| 奖励 | ||
| 返现 | — | — |
| 加密货币返现 | — | — |
| 质押奖励 | — | — |
| 质押年利率 | — | — |
| 欢迎奖金 | — | — |
| 推荐奖金 | — | — |
| 限制 | ||
| 每日支出限额 | 无限 单笔软限约15万美元 | 无限 单笔软限约15万美元 |
| 每月支出限额 | 无限 仍受合规风险控制 | 无限 仍受合规风险控制 |
| ATM 取款限额 | 3,000 USD 每日3000美元,每月10000美元,仅支持非接触ATM | — |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化,请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈,不构成办卡建议。
支持申请或可正常开卡使用
159条
不支持或受限开户/功能
35条
资料不足,状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆:中国大陆居民属于可申请范围,完成身份证明、地址证明及人脸验证后可申请;已发行 Visa 卡可用于支持国际卡的线上、线下及移动支付场景。
2、香港:中国香港居民可申请相应 Keytom Visa 卡计划并完成 KYC;已持卡用户可在接受 Visa 的香港及海外商户线上、线下消费和取现。
3、澳门:澳门居民申请受具体卡计划和实体卡配送资格限制;已持有 Keytom Visa 卡可在接受国际 Visa 的澳门线上及线下商户正常消费。
4、台湾:中国台湾居民属于当前可申请范围,完成 KYC 后可申请虚拟或符合配送条件的实体卡,并可在接受 Visa 的本地及境外商户消费。
开户前需完成身份验证,以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
护照、国民身份证、居留许可、地址证明
自动审核多为15分钟至2小时,人工复核可延长至约48小时
未披露
2026/08/14
查看各类支付场景的支持状态及更新时间,便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
11项
不支持
1项
数据更新时间
2026/08/14
钱包支付
更新时间 2026/08/14
钱包支付
更新时间 2026/08/14
现金服务
更新时间 2026/08/14
AI 工具
更新时间 2026/08/14
AI 工具
更新时间 2026/08/14
钱包支付
更新时间 2026/08/14
AI 工具
更新时间 2026/08/14
线下支付
更新时间 2026/08/14
线上购物
更新时间 2026/08/14
钱包支付
更新时间 2026/08/14
订阅服务
更新时间 2026/08/14
钱包支付
更新时间 2026/08/14
基于已核实记录写成的产品评测,结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里,并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录,按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
Easiest app to use. Definitely doesn't have complicated UI like many other exchanges/wallets.
Great app for sending USDT and using USDT connected to your card. Very easy and convenient to use. Transactions always go through smoothly, and everything feels reliable and stable. Highly recommended!
OK, I had my account opened only for 24 hours. Unfortunately on the verification part my passport has prescription glasses for medical reasons. Unfortunately for the app, not acceptable. As my disability for verification was not accepted - in Canada - I had to withdraw the btc, close my account. Good communication - 3 stars. Data is held for 5 years -account deleted! At own risk, uninstalled! First time disability on verification not accepted! Canada! 🤔😳😲😕🙁😔
I’ve been really impressed with Keytom. The app is fast, intuitive, and has a clean, modern design that makes managing finances effortless. Everything works smoothly, and the overall experience feels premium and reliable. Definitely one of the best banking apps I’ve used!!!
Thank you Ilya for such a wonderful review! We’re delighted that you’re enjoying Keytom’s experience. Knowing that the app makes managing your finances feel smooth and effortless means a lot to our team! Thank you for choosing and recommending us to the world, Keytom team
I've been using my Keytom crypto card for a while now and I'm genuinely impressed. The onboarding was quick and hassle-free, the app is intuitive, and both topping up with crypto and paying in regular stores works smoothly every time. What stands out for me: transparent fees with no hidden charges, reliable performance both online and in physical stores, and a support team that gives real answers instead of copy-paste replies. If you want to spend your crypto in everyday life without unnecessary complications, this is a great solution. Highly recommended.
Hi Maxim, Thanks so much for the kind words! We’re happy to hear that your Keytom card has made spending crypto simple and reliable for you. It also means a lot to know you’ve had a positive experience with our support team. We’ll be sure to share your feedback with them. Thanks for choosing Keytom and for taking the time to recommend us, Keytom Team
Conto business e conto personale fantastico. Personale molto gentile e soprattutto processionale. Davvero soddisfatto
Grazie mille, ci fa davvero piacere! 🙌 Keytom Team
Gracias 🫂 voy a probar
¡Hola! Gracias por la confianza — ¡bienvenido a Keytom! 🙌
Great service and UI. Easy to use, fast, reliable. Always recommend to all of my family and friends. Best in the market.
Hi Roman, Thanks for the kind words! Really glad it's been a smooth experience. Appreciate you recommending us! 🙌 Keytom Team
My requirements were pretty simple: a single view of what I have and what I'm spending, without mental arithmetic every time I check in. Keytom handles that well. The balance is on-the-spot, the spending is easy to follow, and I'm not cross-referencing multiple places or accounts to understand how things really are. Category customization could really go further, but for straightforward money management it works.
Hi Tasha, Thank you for taking the time to share this. We are glad to know Keytom gives you a clear and simple view of your finances, that is exactly the experience we aim to create. Feedback like this is valuable, and we are continuing to improve the product to make everyday money even more flexible. Thanks again for choosing Keytom and for sharing your experience. Keytom Team
I have opened account with keytom couple days ago. I noted down my euro details which they provided. Today I wnet to bank and made transfer of 130 000 to an account that they provided. I come backhome to see if it arrived and my account is blocked. Support is telling me they have not received it and it was some kind of internal decision to close my account. but why was I given account in the first place? Support is useless god know if I get my money back now and if yes when will I get it because they are not sharing any information about it.
Hello Helga, We understand this situation is stressful, and we want to be as clear as possible. Regarding your funds: since your account has been closed, any incoming transfer is automatically returned to the original source account from which they were transferred — this is a standard procedure and your funds are not lost. The return timeline depends on your bank's processing times, but the transfer will come back to where it was sent from. As outlined in the policies and legal terms you accepted when registering on our platform, Keytom reserves the right to restrict or close any account at any time where a client no longer meets the Company’s risk appetite, internal compliance standards, or regulatory requirements. For security and compliance reasons we're unable to share the specifics of account decisions publicly. If you have further questions about the status of your return, please contact us directly at support@keytom.com and reference your account — our team will provide an update on the timeline. Best regards, Keytom Team
更新时间:2026/08/14
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