Available regions
Applications or normal card activation are supported
MexicoMXBrazilBRColombiaCOArgentinaAR
- Evidence
- Officially supported
Card database / Mastercard / Stablecoin payment card
A
ARQ Card
Updated: Aug 10, 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.
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.
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 International Card | A ARQ Premium Secured Credit Card | A ARQ Prestige Metal Credit 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 China applicability
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
China applicability
The source text is retained below.
Original
1、中国大陆：中国被 ARQ 明确列入禁止司法辖区，中国大陆居民不能注册或申请 ARQ Card，在当地访问 ARQ 服务也受到限制，因此不按可使用地区处理。
2、香港：中国香港不是 ARQ 当前四个开户国家之一，因此香港居民不能正常申请；其他支持国家居民持有的 ARQ Mastercard 可在符合 Mastercard 受理规则的香港商户消费。
3、澳门：中国澳门不是 ARQ 当前开户地区，因此澳门居民不能申请；已由墨西哥、哥伦比亚、阿根廷或巴西发行的 ARQ Card 可在接受 Mastercard 的澳门商户使用。
4、台湾：中国台湾目前不属于 ARQ 开户国家，因此当地居民不能正常申请；已发行的 ARQ Mastercard 可按 Mastercard 全球商户受理规则在线上及实体商户消费。
Updated: Aug 10, 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
User reviews
Showing 10 approved reviews matched to this card
ARQ (formerly DolarApp) Google Play review - 5 star
Good
View original ARQ (formerly DolarApp) Google Play review - 5 star
Tiene una interfaz muy dinámica, y muy fácil de aprender, arq es una buena app para aprender a invertir en pequeñas o grandes acciones, o incluso monedas internacionales, la llevo usando desde que se creó y no me ha desepcionado
Official reply
View original Hola, Juan. Gracias por compartir tu experiencia. Es excelente saber que la interfaz de ARQ te resulta fácil de usar y que te ayuda en tu aprendizaje sobre inversiones. Tu apoyo desde el inicio es muy valioso.
ARQ (formerly DolarApp) Google Play review - 5 star
very convenient and easy. Totally recommeded.
Official reply
View original Hola, thank you for your feedback! It's great to hear that you find the app convenient and easy to use.
ARQ (formerly DolarApp) Google Play review - 5 star
Fast and easy
Official reply
View original Hello! Thank you for sharing your experience. It's great to know you find the app fast and easy to use!
ARQ (formerly DolarApp) Google Play review - 5 star
the use is simple and the service a great value.
Official reply
View original Hola! Thank you for your feedback on the app's simplicity and value. We're glad to hear you're finding it beneficial!
ARQ (formerly DolarApp) Google Play review - 5 star
I live using Arq as my main financial services
View original Te retienen yu dinero sin respuesta
Sigo esperando respuesta de unas transferencias que debian devolver a la cuenta de origen desde hace 3 meses y no tego respuesta he mandado en la ultima semana 56 correos y nadie me da solucion, y mi dinero esta detenedo, el servicio ea pesimo
Official reply
View original Hola, gracias por tu comentario. Queremos revisar contigo lo que mencionas. Por favor, escríbenos a help@arqfinance.com indicando “Referencia Trustpilot #0438” para que nuestro equipo pueda revisarlo contigo y ayudarte. Equipo ARQ
ARQ (formerly DolarApp) Google Play review - 1 star
Contratar premium realmente no da nada de beneficio, la TDC y TDD premium son exactamente iguales, no hay crédito real, todo es crédito garantizado, el soporte es terrible todo el tiempo es IA tratando de resolver problemas de la manera más hostil posible. Usen la TDC normal la Prestige no lo vale. Mal servicio, mala atención.
Official reply
View original Hola Abel, gracias por compartir tu experiencia. Revisamos lo ocurrido y vimos que una comunicación de nuestra parte pudo generar una expectativa diferente sobre la tarjeta que recibirías. Ya estamos contactándote personalmente para aclararlo, acompañarte y ofrecerte una solución concreta.
Fácil acceso
Muy buena aplicación y de fácil acceso
View original Excelencia
Muy buen servicio, ágil y práctico 👏🏻
View original Risk factors
Updated: Aug 10, 2026
No risk factors are available