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0fiat

Updated: Aug 5, 2026

0fiat is a non-custodial online payment service for stablecoin users and is not a Visa or Mastercard crypto card. Users can connect a self-custodial wallet through a Chrome, Edge or Brave browser extension or the Android app and pay with USDT or USDC at checkout with supported merchants. After receiving the crypto assets, the system generates a corresponding digital gift card or completes merchant settlement, with the merchant receiving local fiat currency. Users do not need to apply for a bank card, pre-fund a card balance or submit identity verification.
Submit usage feedback
Confirmed unavailable on App Store
Card network
Other
Product type
Digital gift card
Card form
Virtual card
Operating status
Active
KYC level
No-KYC claim
Commercial relationship
No commercial relationship
Risk score
50-59
Supported assets
USDT / USDC
Last updated
Aug 5, 2026

Official and company information

Issuer identity and company credentials

0fiat is operated by Zero Fiat, with the brand founded in 2025, primarily providing stablecoin online checkout, digital gift cards, and crypto payment connection services. The terms of service name Zero Fiat as the contracting service provider, governed by Indian law, with disputes arbitrated at the Singapore International Arbitration Centre and related judicial matters handled by courts in Bangalore, India. This product does not issue bank cards, so there is no issuing bank or card network partnership; gift card supply, liquidity conversion, and merchant settlement partners are not individually listed in the terms.
Visit website Application page
Company / issuer
Zero Fiat
Legal name
Zero Fiat
Registered region
Singapore (SG)
Headquarters
Singapore
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

0fiat integrates crypto-wallet payments into e-commerce checkout pages. After selecting a supported product, users invoke 0fiat during checkout, choose a stablecoin and blockchain network, and authorise the transaction through a wallet such as MetaMask, Phantom, or Trust Wallet. The service does not control the user's wallet or private keys before payment. After transaction confirmation, the stablecoins are sent to the designated address and the system generates a digital gift card of the corresponding value to complete the order with the third-party merchant. A browser extension, Android app, and MCP tool are currently available. MCP can be used in clients including Claude Code, Claude Desktop, and Cursor to search for and purchase gift cards. The platform covers more than 190 online merchants. Automatic recurring subscription charges are still planned, and the service does not provide a bank card number, physical card, in-person card payments, or cash withdrawals.
Other card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

0fiat stablecoin payment tool
Card formVirtual card
Fees
Monthly fee
Free
Card issuance fee
Free
ATM fee—
Foreign exchange fee
Free
Top-up fee
Free
Failed transaction fee—
Rewards
Cashback
0%
Points are awarded on qualifying transactions and can be used to offset future orders.
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus
0%
Points for the first three qualifying transactions are only available to eligible new users.
Referral bonus
30%
30% of the bonus amount plus milestone rewards, claimable in USDT or USDC.
Limits
Daily spending limit—
Monthly spending limit—
ATM withdrawal limit—
Card network

Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

43
LatviaLVNorwayNOIndiaINMexicoMXUnited Arab EmiratesAEBrazilBROmanOMUnited StatesUSDenmarkDKTürkiyeTRSwitzerlandCHCroatiaHREstoniaEEPortugalPTMalaysiaMYThailandTHLuxembourgLUSpainESPolandPLCanadaCASingaporeSGSaudi ArabiaSAJapanJPSwedenSEIndonesiaIDQatarQASlovakiaSKIrelandIEKuwaitKWBelgiumBEItalyITBahrainBHLithuaniaLTAustraliaAUFinlandFIGermanyDEGreeceGRSloveniaSINew ZealandNZAustriaATNetherlandsNLFranceFRUnited KingdomGB
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

149
LiberiaLRSan MarinoSMDominican RepublicDONamibiaNATimor-LesteTLGhanaGHMaldivesMVDjiboutiDJHungaryHUYemenYEPapua New GuineaPGMontenegroMEGrenadaGDMaliMLCubaCUCyprusCYTongaTOGuyanaGYHaitiHTEl SalvadorSVBulgariaBGGeorgiaGETajikistanTJSierra LeoneSLTrinidad & TobagoTTSouth AfricaZATunisiaTNBeninBJSomaliaSOBelarusBYGuineaGNJordanJOPeruPEVenezuelaVETuvaluTVNigeriaNGMadagascarMGSri LankaLKBurundiBIMauritaniaMRSyriaSYIraqIQEcuadorECBangladeshBDParaguayPYCape VerdeCVLiechtensteinLIMaltaMTSeychellesSCVanuatuVUGuatemalaGTColombiaCOIranIRBahamasBSCongo - BrazzavilleCGNorth KoreaKPSerbiaRSChileCLVatican CityVAMalawiMWDominicaDMAfghanistanAFCongo - KinshasaCDNauruNRGuinea-BissauGWEgyptEGCameroonCMBruneiBNArgentinaARNepalNPCosta RicaCRGambiaGMBelizeBZRwandaRWBoliviaBOBotswanaBWMauritiusMUCzechiaCZRussiaRUAlbaniaALIcelandISUkraineUASouth KoreaKRSolomon IslandsSBSt. Kitts & NevisKNSt. LuciaLCMoroccoMASenegalSNEthiopiaETZambiaZMNicaraguaNIPakistanPKBarbadosBBVietnamVNMarshall IslandsMHLesothoLSAndorraADChinaCNUgandaUGSamoaWSZimbabweZWMongoliaMNHondurasHNAngolaAOAntigua & BarbudaAGFijiFJJamaicaJMTanzaniaTZAlgeriaDZRomaniaROIsraelILPalauPWNorth MacedoniaMKLibyaLYSouth SudanSSSurinameSRLaosLAMoldovaMDKyrgyzstanKGArmeniaAMSt. Vincent & GrenadinesVCChadTDMonacoMCTogoTGMyanmar (Burma)MMBurkina FasoBFAzerbaijanAZNigerNEUzbekistanUZLebanonLBSudanSDUruguayUYGabonGAEritreaERPhilippinesPHKenyaKECôte d’IvoireCIEquatorial GuineaGQComorosKMCambodiaKHPanamaPAKiribatiKIBosnia & HerzegovinaBACentral African RepublicCFKazakhstanKZTurkmenistanTMSão Tomé & PríncipeSTMozambiqueMZBhutanBT
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

1、中国大陆：无需申请银行卡或提交 KYC，但未列入本地商户支持国家名单；不能用于本地刷卡或取现，数字礼品卡还受发行地区和商户兑换规则限制。

2、香港：无需申请银行卡或提交 KYC，但未列入本地商户支持国家名单；不能用于本地刷卡或取现，数字礼品卡还受发行地区和商户兑换规则限制。

3、澳门：无需申请银行卡或提交 KYC，但未列入本地商户支持国家名单；不能用于本地刷卡或取现，数字礼品卡还受发行地区和商户兑换规则限制。

4、台湾：无需申请银行卡或提交 KYC，但未列入本地商户支持国家名单；不能用于本地刷卡或取现，数字礼品卡还受发行地区和商户兑换规则限制。

Updated: Aug 5, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

NoNot required

KYC level

No-KYC claimRequirement confirmed

Proof of address

NoNot required

Accepted documents

No ID selfie or proof of address required; connect a compatible wallet and authorize with a digital signature.

Review time / regional limits

No identity verification required; payments can be initiated after wallet authorization.

KYC provider

Not applicable

Updated

Aug 5, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported1
Not supported11
UpdatedAug 5, 2026

Wallet payments

Alipay

Not supported

Aug 5, 2026

Wallet payments

Apple Pay

Not supported

Aug 5, 2026

Cash services

ATM withdrawal

Not supported

Aug 5, 2026

AI tools

ChatGPT

Not supported

Aug 5, 2026

AI tools

Claude

Not supported

Aug 5, 2026

Wallet payments

Google Pay

Not supported

Aug 5, 2026

AI tools

Midjourney

Not supported

Aug 5, 2026

In-person payments

Offline POS

Not supported

Aug 5, 2026

Online shopping

Online shopping

Supported

Aug 5, 2026

Wallet payments

PayPal

Not supported

Aug 5, 2026

Subscriptions

Subscription payment

Not supported

Aug 5, 2026

Wallet payments

WeChat Pay

Not supported

Aug 5, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Lucasgoogle_play★ 5 / 5

0fiat - Shop with USDT or USDC Google Play review - 5 star

must recommend for anyone wanting to spend usdt... netural feedback: go for it if you like spending crypto. the pros: - no conversions, I spent my funds - liked the 0 fees and heavy discount savings - clean ui and multiple chains options cons: - needs more stores for checkout. - first time users might find it a bit challenging to navigate
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Aswin S Roytrustpilot★ 5 / 5

I have purchased a few products using…

I have purchased a few products using 0fiat. It solves a real problem. It is also pretty straightforward. The support team is also very helpful.
View original
Levigoogle_play★ 5 / 5

0fiat - Shop with USDT or USDC Google Play review - 5 star

Useful for shopping & travel booking. Liked amazon as i use it frequently and trravel booking here.
Official reply
Thank you for your encouraging words.
View original
Chirag Varmatrustpilot★ 5 / 5

Fast Resolution and Excellent Support

I had an issue where my USDC Solana payment didn’t sync immediately with a Flipkart order. I contacted their customer support, provided my transaction hash, and the team resolved it within 5 minutes by sending me a gift card for the full amount. It’s refreshing to use a crypto payment platform that actually stands behind its service and prioritizes the customer. Highly recommended for anyone looking for a trustworthy way to spend crypto.
View original
DmDegentrustpilot★ 5 / 5

Works as charm

Works as charm My go to app for everyday spends. My day starts with it. Love to use it every single day!
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Anush Kumartrustpilot★ 5 / 5

0Fiat is game changer!!

Very seamless and easy to use your crypto. Great innovation and good customer handling.
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Lucas Bittrustpilot★ 4 / 5

Great experience for amazon & nike

great experience. amazon and nike worked just fine with the things i wanted. looking forward to using this on my mobile device too in the future. pros: - travel booking + amazon + local stores in major countries - the heavy discounts on dominos improvements: - a mobile app would be nice to have to use it on the go.
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Murli Todaytrustpilot★ 5 / 5

Saw this on X

Saw this on X, Purchased something on Ebay, Worked smooth
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LiLxDJtrustpilot★ 5 / 5

IT WAS SO SEEMLESS AND SMOOTH

IT WAS SO SEEMLESS AND SMOOTH becareful with what you order tho as this service uses giftcard to pay for the product you are buying and few products like amazon pay giftcard can not be bought with giftcards but if you know the little restrictions and it doesnt bother with your use then this is truly a life changer
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Risk factors

Updated: Aug 5, 2026

No risk factors are available