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BilderPay Card

Updated: Aug 26, 2026

The BilderPay Card is a crypto spending product that combines a non-custodial crypto wallet with a Visa payment card, managed through the BilderPay app. Users can top up the card with supported assets such as USDT, USDC, and ETH, which are then converted into spendable fiat balance for online shopping, digital subscriptions, Apple Pay, Google Wallet, physical merchants, and ATM use. It currently offers instant virtual cards and physical cards, targeting users of cross-border spending, travel, and digital service payments.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
40-49
Supported assets
USDT / USDC / ETH
Last updated
Aug 26, 2026

Official and company information

Issuer identity and company credentials

BilderPay is a crypto payment fintech platform launched by the BANANATECH SOLUTIONS ecosystem, offering non-custodial/decentralized crypto wallets, virtual and physical payment cards, automatic digital asset exchange, and daily payment functions such as Apple Wallet. The BilderPay App was originally released by BANANATECH SOLUTIONS OÜ in Estonia, which was renamed to LaDarlie OÜ in February 2026; meanwhile, its affiliated Hong Kong entity BANANATECH SOLUTIONS LIMITED / BananaTech provides white-label card issuance, crypto payment, and API financial infrastructure.
Visit website Application page
Company / issuer
BilderPay
Legal name
LaDarlie OÜ
Registered region
Estonia (EE)
Headquarters
Independent headquarters of BilderPay not explicitly disclosed
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

BilderPay combines a crypto wallet, digital asset top-ups, and traditional card payments in one app. The wallet component emphasizes decentralized asset storage; when users top up their card, crypto assets are converted into USD or the corresponding settlement currency, and then payments are completed via a Visa card. Currently, the Virtual Card can be created quickly within the app and added directly to Apple Wallet or Google Wallet for online and NFC contactless payments; the Physical Card supports physical POS and ATM cash withdrawals. The platform now supports USDT and USDC top-ups across multiple networks, and has added native ETH top-ups, along with 3D Secure transaction confirmation, card freezing, PIN, and real-time transaction notifications.
Visa 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

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BilderPay virtual card
BilderPay physical card
Card formVirtual cardPhysical card
Fees
Monthly fee——
Card issuance fee——
ATM fee—
2%
ATM cash withdrawal fee, minimum 1 USD.
Foreign exchange fee——
Top-up fee—
3.5%
Current USDT top-up fee.
Failed transaction fee——
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus
10 USD
New user activation reward
10 USD
Activation reward.
Referral bonus——
Limits
Daily spending limit——
Monthly spending limit——
ATM withdrawal limit——
Card network
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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

88
PortugalPTGermanyDEBoliviaBOGeorgiaGEKyrgyzstanKGBrazilBRGreeceGRSouth AfricaZAPeruPECzechiaCZEcuadorECJordanJOMontenegroMEArmeniaAMColombiaCOItalyITKenyaKEMauritiusMUTaiwanTWCroatiaHRCyprusCYMaltaMTSingaporeSGSri LankaLKPhilippinesPHHong KongHKNorth MacedoniaMKLatviaLVCanadaCABosnia & HerzegovinaBASaudi ArabiaSABahrainBHSouth KoreaKRMalaysiaMYUnited Arab EmiratesAEAzerbaijanAZSlovakiaSKSloveniaSIBulgariaBGFranceFRNetherlandsNLParaguayPYEgyptEGKazakhstanKZKuwaitKWGhanaGHLuxembourgLUPakistanPKSwitzerlandCHAustriaATTanzaniaTZDenmarkDKIcelandISLithuaniaLTFinlandFIJapanJPNigeriaNGArgentinaAREstoniaEEMexicoMXIndiaINPolandPLCambodiaKHOmanOMSwedenSEIsraelILNew ZealandNZMacaoMOVietnamVNRomaniaROUnited KingdomGBQatarQASpainESThailandTHSeychellesSCMoroccoMAHungaryHUNorwayNOUgandaUGUruguayUYMongoliaMNIndonesiaIDAustraliaAUUzbekistanUZSerbiaRSIrelandIEBelgiumBEChileCL
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

4
SyriaSYCubaCUNorth KoreaKPIranIR
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：申请受限，BilderPay 提供简体中文界面但当前 iOS 发行地区未覆盖中国大陆；境外获批卡仍可在符合 Visa 和发卡方风控规则的商户使用。

2、香港：可提交申请，BilderPay 已在香港 App Store 发行并支持应用内 KYC；获批 Visa 卡可用于线上、线下以及 Apple Pay、Google Wallet 场景。

3、澳门：可提交申请，澳门属于当前 App Store 覆盖地区；通过 KYC 和发卡资格审核后，可使用虚拟或实体 Visa 卡完成跨境线上线下消费。

4、台湾：可提交申请，台湾属于当前应用发行地区；通过 KYC 后可使用 Visa 虚拟卡和实体卡，并可在兼容移动钱包和 Visa 商户消费。

Updated: Aug 26, 2026

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

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

National ID

Review time / regional limits

Electronic identity verification can be completed relatively quickly; abnormal data or regional reviews will undergo further review.

KYC provider

Not disclosed

Updated

Aug 26, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported8
Not supported4
UpdatedAug 26, 2026

Wallet payments

Alipay

Not supported

Aug 26, 2026

Wallet payments

Apple Pay

Supported

Aug 26, 2026

Cash services

ATM withdrawal

Supported

Aug 26, 2026

AI tools

ChatGPT

Supported

Aug 26, 2026

AI tools

Claude

Supported

Aug 26, 2026

Wallet payments

Google Pay

Supported

Aug 26, 2026

AI tools

Midjourney

Not supported

Aug 26, 2026

In-person payments

Offline POS

Supported

Aug 26, 2026

Online shopping

Online shopping

Supported

Aug 26, 2026

Wallet payments

PayPal

Not supported

Aug 26, 2026

Subscriptions

Subscription payment

Supported

Aug 26, 2026

Wallet payments

WeChat Pay

Not supported

Aug 26, 2026

User reviews

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Risk factors

Updated: Aug 26, 2026

No risk factors are available