可申请地区
支持申请或可正常开卡使用
16条
- 证据来源
- 官方支持
- 更新时间
- 2026/08/14

最近更新:2026/09/21
Morse Card 是直接连接 Morse Balance 的虚拟预付卡,用户无需为卡片单独建立充值余额。Morse 账户资金以 USDC、USDG 或 EURC 等稳定币形式持有,并由用户控制对应钱包;刷卡时直接从 Morse Balance 扣取资金,由卡片体系完成交易结算,因此核心结构是“自托管稳定币余额 + 卡片直接消费”。
Morse 将自托管稳定币钱包、法币入金通道和支付卡整合在同一账户体系中。用户通过银行账户、借记卡、稳定币转账等方式入金后,资金会转换并保存在 Morse Balance 中;欧洲用户主要持有数字欧元,其他市场主要以数字美元作为账户基础。Morse Card 不需要再把余额转入独立卡账户,而是直接从这一账户余额承担消费。当前卡片为虚拟卡,由 Lead Bank 发行、Bridge Ventures 管理卡计划,Avian Labs 提供 Morse 平台。产品目前已在包括美国及多个拉丁美洲国家在内的目标市场正式开放。
这张卡片暂时没有可展示的使用规模数据。数据补充后会在这里显示。
比较不同卡片形态与等级的真实费用记录
M Morse Card | |
|---|---|
| 卡片类型 | 虚拟卡 |
| 费用 | |
| 月费 | 免费 无月度卡片费用 |
| 开卡费 | 免费 免费发行 |
| ATM 取现费 | — |
| 货币转换费 | 免费 境外及跨币种消费0% |
| 充值费 | 免费 卡片加载本身免费 |
| 交易失败费 | — |
| 奖励 | |
| 返现 | 10% 首30日10%,之后1%;分别设40和100美元上限 |
| 加密货币返现 | — |
| 质押奖励 | — |
| 质押年利率 | — |
| 欢迎奖金 | — |
| 推荐奖金 | 5 USD 限墨西哥哥伦比亚活动 |
| 限制 | |
| 每日支出限额 | 2,000 USD 首30日2000后升至5000 |
| 每月支出限额 | — |
| ATM 取款限额 | — |
| 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
16条
不支持或受限开户/功能
31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:不支持申请,且中国大陆被Morse明确列入卡片禁止使用地区;即使持有境外发行的Morse Card,也不应在中国大陆商户进行交易。
2、香港:当前不支持香港居民直接申请Morse Card;香港未列入禁止用卡地区,已从合资格国家取得卡片的用户可在支持虚拟Visa或移动钱包的商户消费。
3、澳门:当前不支持澳门居民直接申请Morse Card;澳门不属于明确禁止消费地区,已持有效卡用户可在接受虚拟Visa或手机非接触付款的商户使用。
4、台湾:当前不支持台湾居民直接申请Morse Card;台湾没有被列入Card禁止交易地区,已从支持国家取得有效卡片后可在Visa线上及移动钱包商户消费。
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
不需要
政府签发带照片身份证件、驾驶证
标准身份验证可在数分钟完成,异常资料会进入数据库及人工合规复核。
Persona
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
9项
不支持
3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
查看这张卡片的编辑评测、结论和最近更新时间。
暂无深度评测
这张卡片暂未发布评测;发布后会显示在这里。
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
Very convenient and super fast . I love it
Exceptional overall service and exchange rates. Plus, their transfers are basically immediate. A very reliable bank.
They’re a cheap infrastructure company that relies on cheap partners. It took me just a few minutes to read through their terms and realize they’re working with unreliable banks and third-party platforms. My account was suspended after I made a transfer that was higher than usual. They asked for personal information about the people I had sent money to, all of whom were literally my family members. They also asked a ton of questions about the transaction itself. I provided everything they requested, only to receive what was clearly an AI-generated message telling me I could no longer use their platform. The funny thing is, not even major banks like Chase have ever asked me so many questions about a single transaction. Morse, fix your cheap infrastructure, partner with a proper bank, and stop relying on third-party platforms to handle virtual cards. Save your money and go somewhere else. This is clearly not a company for people who need to make frequent payments and transactions. Apparently, even a $1,000 transaction is considered unusual enough for them to suspend your account and launch a review. If your infrastructure can’t handle basic transactions without treating legitimate customers like a risk, maybe you shouldn’t be offering financial services in the first place.
is great!!! I lost a lot of money with BBVA and Morse was my salvation
well done,happy to enjoy it,till soon ;)
Super easy to use and incredibly intuitive for receiving money, making transfers, and paying worldwide.
We really appreciate that Alex, thank you so much for your support!
The customer service told me Nigeria is restricted from signing in. I did everything possible to sign in I could not. Such a dummy app
Hi Wisdom, we are actively working on enabling more regions and countries. Expanding to new countries involves navigating regulatory measures both on our side and the country's side. These processes ensure we comply with legal, technical, and operational requirements, which can take time to work out. We're committed to expanding our reach!
How the hell my account was closed and I never even open one to begin with.
I made a mistake when opening my account for the first time and had trouble registering. The technical support staff was very kind, and after several attempts, the problem was successfully resolved. Thank you very much!
Hi Raymundo, your sign-up process has been reset and the issue has been addressed. We have emailed you from support@morse.money with the exact steps to finish. Just reply to that email and we will stay with you until you are in!
Muy fácil de usar, aunque ya me la cancelaron una ves para revisar mis transacciones, ahora ya puedo usarla, tardaron como 4 días pero estoy feliz de volverla a usar
更新时间:2026/08/14
暂无风险因素
以下回答整理自本页已发布的卡片记录。
我们记录的 Morse Card 认证要求为:完整 KYC。证件和审核细节见本页「KYC 要求」。
Apple Pay:支持;Google Pay:支持。
我们记录到 Morse Card 支持:USDT、USDC、BTC、ETH和SOL。
Morse Card 提供:虚拟卡。
我们记录到 16 个国家或地区可用、31 个受限。逐个国家的状态见本页「地区和语言支持」。
Morse Card 由 Morse( Sling Money) 运营,卡组织为 Visa。