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BilderPay Card

Updated: Sep 29, 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
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
USDTUSDCETH
Last updated
Sep 29, 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.

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

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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 language support

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

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，The United States is outside BilderPay’s current card-issuance countries, but cards issued to eligible residents elsewhere are designed for international use and can be used in the U.S.
2. United Kingdom：Can apply，Can use，The United Kingdom is included in BilderPay’s current card-issuance coverage, and residents can obtain the card after completing the required identity verification.
3. Canada：Can apply，Can use，Canada is included in the current issuance countries, and residents can apply after completing BilderPay’s required identity verification.
4. Australia：Can apply，Can use，Australia is within BilderPay’s current card-issuance coverage, allowing residents to obtain the card after the required verification.
5. South Africa：Can apply，Can use，South Africa is explicitly included in the current issuance coverage, and residents can apply after completing identity verification.
6. New Zealand：Can apply，Can use，New Zealand is a supported card-issuance country, and residents can obtain the card after completing the required KYC.
7. Ireland：Can apply，Can use，Ireland is included in BilderPay’s current issuance countries, and residents can obtain the card after successful identity verification.

Updated: Sep 12, 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

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

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Risk factors

Updated: Aug 26, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does BilderPay Card require KYC?

Our record lists the BilderPay Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.

Does BilderPay Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up BilderPay Card with?

Our record lists BilderPay Card support for: USDT, USDC, and ETH.

Is BilderPay Card a virtual or a physical card?

BilderPay Card is offered as: Virtual card and Physical card.

Where is BilderPay Card available?

Our record lists 88 countries or regions as available and 4 as restricted. Country-by-country status is in the regions section of this page.

Who issues BilderPay Card?

BilderPay Card is operated by BilderPay on the Visa network.