Available regions
Applications or normal card activation are supported
MexicoMXBrazilBRColombiaCOArgentinaAR
- Evidence
- Officially supported
Card database / Mastercard / Stablecoin payment card
A
ARQ Card
Updated: Sep 15, 2026
ARQ Card is an international Mastercard offered by ARQ, formerly DolarApp, to users in Latin America and currently serves residents of Mexico, Colombia, Argentina and Brazil. Users can hold digital US dollar and euro balances such as USDc and EURc and spend online or at Mastercard merchants worldwide with virtual and physical cards. The basic ARQ Card is a balance-secured credit card, with the available USDc balance determining the spending limit and being reduced immediately after a purchase, without creating traditional revolving credit debt. The platform also offers Premium and Prestige membership systems, with Prestige providing a separate revolving credit card secured by investment and savings assets.
- Card network
- Product type
- Stablecoin payment card
- Card form
- Virtual + physical card / Virtual card / Virtual + metal card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USDT
USDC- Last updated
- Sep 15, 2026
Official and company information
Issuer identity and company credentials
ARQ (formerly DolarApp) is a modern cross-border fintech platform focused on connecting Latin America and global markets. Backed by top venture capital firms such as Sequoia Capital and Founders Fund, it primarily serves global freelancers, remote employees, and cross-border enterprises with digital USD and digital EUR account management. Users can manage assets by linking local fiat or directly topping up with stablecoins (USDC/USDT), and can obtain dedicated US (ACH/Wire) and European (IBAN) virtual receiving accounts, along with an international Mastercard for seamless global spending and transfers with no exchange-rate markup.
- Company / issuer
- ARQ (formerly DolarApp)
- Legal name
- DolarApp Inc.
- Registered region
- United States (US)
- Headquarters
- Wilmington, Delaware, United States (251 Little Falls Dr, Wilmington, DE 19808)
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
DolarApp was renamed ARQ in March 2026, and existing user accounts, funds, and card relationships continue under the new brand. ARQ integrates local currency top-ups, USDc/EURc stablecoin balances, US and European account details, card spending, ATM withdrawals, and investment features in one app. Users can also top up USDC/USDT directly via supported networks such as Ethereum, Polygon, or Tron.
Currently, the basic ARQ Card offers both a free virtual card and a physical card. Physical cards can be shipped to Mexico, Colombia, Argentina, and Brazil, and support Mastercard global online and offline merchants, Apple Pay, Google Pay, and ATM. Premium membership adds benefits such as cashback on spending and free ATM withdrawals, and starting in July 2026, an asset-backed Premium Credit Card will be rolled out to some waitlist users; Prestige offers an asset-backed credit line of up to 100,000 USDc and a 16-gram metal Mastercard.
Mastercard card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
A ARQ Card | A ARQ Premium Credit Card | A ARQ Prestige Card | |
|---|---|---|---|
| Card form | Virtual + physical card | Virtual card | Virtual + metal card |
| Fees | |||
| Monthly fee | Free No monthly fee for basic plan | 6.99 USD Premium monthly membership fee | 19.99 USD Monthly plan available only in Brazil. |
| Card issuance fee | Free Free issuance | Free Card included with membership | Free First card included with membership. |
| ATM fee | 1% Charged based on the withdrawal amount | 1% Charged after free allowance is used | 3% Metal credit card ATM withdrawal. |
| Foreign exchange fee | Free No foreign exchange surcharge on international transactions | Free No foreign transaction fee | Free No foreign transaction fee. |
| Top-up fee | 3 USDC Applicable to crypto or USD top-ups | — | — |
| Failed transaction fee | — | Free No chargeback fee set | Free No fee for declined transactions. |
| Rewards | |||
| Cashback | — | 1% 1% cashback on first $500, then 0.5% | 2% 2% on first $500, then 0.5%. |
| Crypto cashback | — | — | — |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | — | — | — |
| Referral bonus | — | — | — |
| Limits | |||
| Daily spending limit | — | 0 USD Controlled by individual credit limit | — |
| Monthly spending limit | — | 0 USD Controlled by individual credit limit | 100,000 USD Maximum credit limit. |
| ATM withdrawal limit | — | 500 USD Free ATM withdrawal limit for members | 3,000 USD Monthly withdrawal limit. |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and language support
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
South SudanSSVietnamVNEthiopiaETNorth KoreaKPCubaCUAfghanistanAFChinaCNAngolaAONepalNPHaitiHTMonacoMCYemenYEVenezuelaVEBelarusBYAlgeriaDZMyanmar (Burma)MMLebanonLBMaliMLSudanSDUkraineUANamibiaNALaosLAEritreaERBulgariaBGSomaliaSOIranIRSyriaSYBritish Virgin IslandsVGKenyaKEIraqIQBoliviaBOLibyaLYCôte d’IvoireCIRussiaRUCentral African RepublicCFCameroonCM
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
Availability in English-Speaking Markets
1. United States：Cannot apply，Can use，ARQ currently issues cards only to residents of Mexico, Colombia, Argentina and Brazil, but an existing ARQ Card can be used in the United States.
2. United Kingdom：Cannot apply，Can use，UK residents are outside ARQ’s current four-country issuance area, while cards already issued to eligible users can be used in the UK.
3. Canada：Cannot apply，Can use，Canada is not currently open for ARQ account and card issuance, but an existing card can be used locally.
4. Australia：Cannot apply，Can use，Australian residents cannot currently open an ARQ account or obtain the card, while existing cardholders can use it in Australia.
5. South Africa：Cannot apply，Can use，South Africa is outside ARQ’s current issuance markets, but cards already issued to eligible users can be used there.
6. New Zealand：Cannot apply，Can use，New Zealand residents are not currently eligible for ARQ card issuance, while existing cardholders can use the card locally.
7. Ireland：Cannot apply，Can use，Ireland is outside ARQ’s current issuance area, but an ARQ Card obtained in a supported country can be used there.
Updated: Sep 15, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
Local government-issued ID / Temporary residence permit / Permanent residence permit
Review time / regional limits
Automatic verification usually takes minutes; manual compliance review is mostly completed within one business day.
KYC provider
Not disclosed
Updated
Aug 10, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 10, 2026
Wallet payments
Alipay
Supported
Aug 10, 2026
Wallet payments
Apple Pay
Supported
Aug 10, 2026
Cash services
ATM withdrawal
Supported
Aug 10, 2026
AI tools
ChatGPT
Supported
Aug 10, 2026
AI tools
Claude
Supported
Aug 10, 2026
Wallet payments
Google Pay
Supported
Aug 10, 2026
AI tools
Midjourney
Supported
Aug 10, 2026
In-person payments
Offline POS
Supported
Aug 10, 2026
Online shopping
Online shopping
Supported
Aug 10, 2026
Wallet payments
PayPal
Supported
Aug 10, 2026
Subscriptions
Subscription payment
Supported
Aug 10, 2026
Wallet payments
WeChat Pay
Supported
Aug 10, 2026
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 10 approved reviews matched to this card
ARQ (formerly DolarApp) Google Play review - 5 star
excelente aplicación es muy buena cuenta para tener tu dinero.
View original ARQ (formerly DolarApp) Google Play review - 5 star
excelente aplicación
Official reply
View original Hola, gracias por tu comentario positivo. Es genial saber que disfrutas del app.
ARQ (formerly DolarApp) Google Play review - 5 star
ok
Official reply
View original ¡Hola! Gracias por tus comentarios.
ARQ (formerly DolarApp) Google Play review - 5 star
Cero costo de mantenimiento y transferencias, transferencias aceptadas en todo el país, podés usar QR para pagar, buena tasa del dólar, tuve un solo retraso en una acreditación en más de dos años nada más. Funciona impecable.
Official reply
View original Hola Nico, gracias por compartir tu experiencia positiva con ARQ. Nos alegra saber que valoras el costo de mantenimiento y la facilidad de las transferencias, así como la opción de pago por QR. Tu comentario sobre la efectividad del servicio es importante para nosotros.
ARQ (formerly DolarApp) Google Play review - 5 star
Great App to handle your founds in USD
Official reply
View original Hello, thank you for your feedback! It’s great to hear that the app is effective for managing your funds.
ARQ (formerly DolarApp) Google Play review - 1 star
La descargue con la idea de pagar a un tipo de cambio más aceptable, sin lo impuestos del dólar tarjeta y me terminaron cobrando a un dólar de 2323, nunca más.
Official reply
View original Hola Joaquín, entendemos tus preocupaciones sobre el tipo de cambio y los costos. Para viajes fuera del país o compras internacionales online, te recomendamos que utilices la tarjeta Global. Te hemos enviado un email de seguimiento y ya estamos en contacto para aclarar dudas. Más en https://help.arqfinance.com/es/articles/13548174. Equipo ARQ
ARQ (formerly DolarApp) Google Play review - 5 star
servicio espectacular
Official reply
View original Hola, gracias por tu comentario. Nos alegra saber que estás satisfecho con nuestro servicio.
ARQ (formerly DolarApp) Google Play review - 1 star
Sal de ARQ mientras aún puedes. Mis respetos para Becca y Natalia: fueron las únicas que dieron seguimiento serio. Fuera de ellas, el servicio está plagado de fallas y promesas incumplidas. No recomiendo invertir ni confiarles más dinero. La tarjeta Prestige nunca llega, aunque seas candidato, y la atención está muy lejos de la exclusividad que presumen. Si así abandonan a un cliente “Prestige”, imagina cómo tratan al Standard. ARQ vende prestigio; entrega frustración.
Official reply
View original Hola. Entendemos lo que señalas y vemos que ya estás en contacto con una persona de nuestro equipo. Por seguridad y para proteger tu información, continuaremos el seguimiento de tu caso por ese canal. Equipo ARQ
ARQ (formerly DolarApp) Google Play review - 1 star
É impossível colocar crédito. Já verifiquei minha identidade 2x, o sistema diz que está ok, solicito ajuda e pedem novamente pra enviar fotos de tudo que eu já enviei...
Official reply
View original Olá Henrique. Já revisamos o seu caso e, do nosso lado, a verificação está concluída corretamente, então você já deveria conseguir continuar normalmente. Também enviamos um e-mail de acompanhamento pelo help@arqfinance.com para confirmar com você que está tudo funcionando bem. —Equipe ARQ
ARQ (formerly DolarApp) Google Play review - 5 star
Eu estou tendo uma experiência maravilhosa com o ARQ, câmbio bastante competitivo, além das várias funcionalidades e serviços muito interessantes que estão sendo disponibilizados, muito feliz em fazer parte disso como cliente, 🙂.
Official reply
View original Olá! É bom saber que você está tendo uma experiência tão positiva com o ARQ. Obrigado por compartilhar seu feedback e por ser parte da nossa comunidade.
Risk factors
Updated: Aug 10, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does ARQ Card require KYC?
Our record lists the ARQ Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does ARQ Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up ARQ Card with?
Our record lists ARQ Card support for: USDT and USDC.
Is ARQ Card a virtual or a physical card?
ARQ Card is offered as: Virtual + physical card, Virtual card, and Virtual + metal card.
Where is ARQ Card available?
Our record lists 4 countries or regions as available and 36 as restricted. Country-by-country status is in the regions section of this page.
Who issues ARQ Card?
ARQ Card is operated by ARQ (formerly DolarApp) on the Mastercard network.