Available regions
Applications or normal card activation are supported
IndiaINMalaysiaMYGermanyDECosta RicaCRHong KongHKBrazilBRQatarQA
- Evidence
- Officially supported
Card database / Visa / Crypto-collateral credit card
C
Contro Card
Updated: Aug 27, 2026
Contro Card is a digital asset-collateralized Visa Charge Card operated by Hong Kong-based Contro Limited. Users do not need to sell their crypto assets first; instead, they obtain a spending limit based on on-chain assets such as BTC, ETH, XRP, SOL, USDC, and USDT, and complete online or physical payments via the Visa network. The platform also offers digital asset yield and crypto cashback features, and consumption bills can be repaid within a specified cycle. The current product adopts a phased Beta Access, and eligible users enter the review process via an Access List.
Official and company information
Issuer identity and company credentials
Contro is a digital asset fintech platform operated by Hong Kong-based Contro Limited, with its team primarily based in Kuala Lumpur, Malaysia. Its core product is the Contro Chargecard. The platform allows users to obtain spending liquidity backed by digital assets such as BTC, ETH, XRP, SOL, and stablecoins, enabling global payments via the Visa network without directly selling long-term holdings. It also integrates on-chain infrastructure like XRPL to provide asset management and yield functions. Contro Limited is primarily responsible for platform technology, branding, and card project management.
- Company / issuer
- Contro
- Legal name
- Contro Limited
- Registered region
- Hong Kong (HK)
- Headquarters
- Kuala Lumpur
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Contro's core model is "obtaining spending liquidity while holding assets". Users transfer supported assets to Contro or connect a compatible wallet, and the system generates a Spending Limit based on on-chain assets, account behavior, and risk assessment, allowing consumption without mandatory liquidation of original positions. Its settlement and programmable asset layer use XRPL infrastructure, allowing assets to maintain market exposure or earn yield through partners. After card spending, authorized third-party financial and card partners complete credit, payment, and settlement services, and users repay the balance using digital dollars and other methods. The current application description mentions two repayment cycle versions: 14 days and 30 days, while the official website has shifted to phased Beta Access. The card is available in both virtual and physical forms and can be used at online and offline merchants on the Visa network.
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
C Contro crypto-backed charge card | |
|---|---|
| Card form | Virtual + physical card |
| Fees | |
| Monthly fee | — |
| Card issuance fee | — |
| ATM fee | — |
| Foreign exchange fee | — |
| Top-up fee | — |
| Failed transaction fee | — |
| Rewards | |
| Cashback | — |
| Crypto cashback | 0 USD Earn crypto cashback on every transaction. Specific rates are subject to account rules. |
| Staking rewards | — |
| Staking APR | — |
| Welcome bonus | — |
| Referral bonus | — |
| 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.
Unsupported or restricted regions
Applications or features are unavailable or restricted
North KoreaKPCubaCUSyriaSYIranIR
- 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：不可申请，当前未形成中国大陆居民正式发卡范围，且 Beta Access 仍按资格分批开放；境外获批卡可在符合 Visa 和发卡合作方规则的商户使用。
2、香港：可加入 Access List 申请，运营主体注册于香港；获批后虚拟或实体 Visa 卡可用于线上和线下商户，但最终额度和资格由平台及发卡合作方审核。
3、澳门：申请受限，当前没有独立的澳门居民发卡说明；符合 Beta Access、身份及合规条件的用户获批后，可在接受 Visa 的商户使用。
4、台湾：申请受限，当前没有独立的台湾居民发卡资格说明；通过访问名单及合规审核的用户获批后，可按 Visa 网络和发卡方规则消费。
Updated: Aug 27, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
UnconfirmedPendingAccepted documents
Unconfirmed
Review time / regional limits
Automatic identity verification can be completed relatively quickly, while manual compliance or eligibility review will extend the processing time.
KYC provider
Undisclosed
Updated
Aug 27, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported4
Not supported8
UpdatedAug 27, 2026
Wallet payments
Alipay
Not supported
Aug 27, 2026
Wallet payments
Apple Pay
Not supported
Aug 27, 2026
Cash services
ATM withdrawal
Not supported
Aug 27, 2026
AI tools
ChatGPT
Not supported
Aug 27, 2026
AI tools
Claude
Not supported
Aug 27, 2026
Wallet payments
Google Pay
Supported
Aug 27, 2026
AI tools
Midjourney
Not supported
Aug 27, 2026
In-person payments
Offline POS
Supported
Aug 27, 2026
Online shopping
Online shopping
Supported
Aug 27, 2026
Wallet payments
PayPal
Not supported
Aug 27, 2026
Subscriptions
Subscription payment
Supported
Aug 27, 2026
Wallet payments
WeChat Pay
Not supported
Aug 27, 2026
User reviews
Showing 0 approved reviews matched to this card
No approved reviews
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Risk factors
Updated: Aug 27, 2026
No risk factors are available