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Cryptomus Card

Updated: Jul 29, 2026

Cryptomus Card is a virtual stablecoin payment card offered by the Cryptomus platform, primarily for online shopping, digital subscriptions, advertising accounts, travel services and cross-border purchases. Users top up the card from their Cryptomus wallet. Stablecoins are converted into a fiat card balance, and payments are completed through the Visa or Mastercard network. The card supports 3DS, two-factor authentication, real-time notifications, freezing and unfreezing, and spending management. It can also be added to a mobile wallet for NFC contactless payments.
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Card network
Mastercard / Visa
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
50-59
Supported assets
USDT / USDC
Last updated
Jul 29, 2026

Official and company information

Issuer identity and company credentials

Cryptomus is a brand for crypto asset wallet, exchange, and payment services. Canadian regulatory records show that the legal entity operating under the name Cryptomus is Xeltox Enterprises Ltd., formerly Certa Payments Ltd., a reporting entity in the virtual currency trading services sector. Cryptomus handles accounts, wallets, and virtual card service entry points; the public card page lists multiple BINs and Visa and Mastercard acceptance capabilities, but does not list a unified issuing bank, BIN sponsor, or card fund protection institution, so Cryptomus should not be considered an issuing bank.
Visit website Application page
Company / issuer
Cryptomus
Legal name
Xeltox Enterprises Ltd.
Registered region
Canada (CA)
Headquarters
Canada / global
Company type
Processor
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

The Cryptomus Card uses a prepaid payment structure: crypto wallet balance, top-up with stablecoins, fiat currency card balance, and spending via the card network. After registering an account and completing identity verification, users can instantly create a virtual card and top it up using USDT or USDC from their personal Cryptomus wallet; assets are converted to fiat at market exchange rates at the time of top-up. The platform offers over ten BINs and multi-currency options. Each account can manage up to ten virtual cards, for separating subscriptions, advertising, procurement, or team expenses. For payments, you can directly enter the card number for online transactions, or link to Apple Pay or Google Pay for offline NFC payments at merchants. This product does not offer a physical plastic card, and does not support chip-and-PIN/swipe transactions or ATM cash withdrawals. The card balance is not considered a bank deposit covered by deposit insurance.
Mastercard / 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

Cryptomus Virtual Crypto Card
Card formVirtual card
Fees
Monthly fee—
Card issuance fee
4 USD
One-time issuance fee
ATM fee—
Foreign exchange fee—
Top-up fee
3.2%
Charged each time funds are added to the card balance
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit—
Monthly spending limit
50,000 USD
Monthly limit per card; an increase may be requested
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.

Available regions

Applications or normal card activation are supported

171
Dominican RepublicDOIrelandIEJordanJOSolomon IslandsSBCyprusCYMauritaniaMRKuwaitKWFranceFRColombiaCOBeninBJSurinameSRIcelandISJapanJPCape VerdeCVMalaysiaMYSouth AfricaZAThailandTHEcuadorECLatviaLVCentral African RepublicCFBruneiBNNauruNRMozambiqueMZSpainESTogoTGBotswanaBWLithuaniaLTSomaliaSOSeychellesSCMontenegroMEUgandaUGPhilippinesPHEritreaERBhutanBTZimbabweZWGhanaGHNew ZealandNZGuyanaGYVatican CityVAEswatiniSZSaudi ArabiaSADenmarkDKMadagascarMGHong KongHKGrenadaGDBulgariaBGKazakhstanKZSão Tomé & PríncipeSTSudanSDPakistanPKTurkmenistanTMVanuatuVUMalawiMWMauritiusMUCongo - KinshasaCDKenyaKEComorosKMTürkiyeTRLuxembourgLUMaltaMTBurkina FasoBFGuinea-BissauGWEstoniaEETimor-LesteTLUnited KingdomGBMoldovaMDGeorgiaGESt. Kitts & NevisKNGuineaGNGambiaGMGermanyDENamibiaNAAzerbaijanAZGabonGAFinlandFILiberiaLRIndonesiaIDBahamasBSTongaTOAustraliaAUSingaporeSGRwandaRWNetherlandsNLRomaniaROCôte d’IvoireCIChadTDNorwayNOMaldivesMVGuatemalaGTChileCLJamaicaJMMongoliaMNParaguayPYDjiboutiDJPanamaPAMicronesiaFMPeruPESwitzerlandCHMarshall IslandsMHUkraineUACameroonCMSierra LeoneSLMaliMLAndorraADLiechtensteinLITrinidad & TobagoTTCosta RicaCRArgentinaARCroatiaHRPortugalPTVenezuelaVEEthiopiaETMacaoMOSamoaWSEquatorial GuineaGQHaitiHTKyrgyzstanKGSouth SudanSSNigeriaNGDominicaDMZambiaZMCzechiaCZAustriaATBelgiumBEMonacoMCSt. Vincent & GrenadinesVCLesothoLSSwedenSEFijiFJBarbadosBBTaiwanTWPalauPWPapua New GuineaPGLaosLASerbiaRSTanzaniaTZSt. LuciaLCUruguayUYEl SalvadorSVKiribatiKIUnited Arab EmiratesAESenegalSNSlovakiaSKHondurasHNCambodiaKHIndiaINSouth KoreaKRUnited StatesUSAntigua & BarbudaAGVietnamVNCanadaCABrazilBRHungaryHUMexicoMXNorth MacedoniaMKBelizeBZGreeceGRAlbaniaALBahrainBHSan MarinoSMTuvaluTVPolandPLBurundiBIItalyITNigerNESloveniaSIUzbekistanUZNicaraguaNITajikistanTJSri LankaLKIsraelIL
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

24
BoliviaBORussiaRUQatarQANorth KoreaKPNepalNPAfghanistanAFChinaCNBelarusBYCubaCUOmanOMSyriaSYLebanonLBMyanmar (Burma)MMBosnia & HerzegovinaBALibyaLYTunisiaTNIranIRAlgeriaDZIraqIQAngolaAOBangladeshBDYemenYEMoroccoMAEgyptEG
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：不可申请，KYC时，会直接屏蔽或拒绝中国大陆地区的身份与IP；已发行卡可用于国际卡线上商户，微信支付、支付宝和境内线下支付不支持。

2、香港：可申请并可使用，完成完整 KYC 后可用于线上购物和订阅，线下支付可通过兼容的 Apple Pay 或 Google Pay 手机钱包完成。

3、澳门：可申请并可使用，虚拟卡适用于支持国际 Visa 或 Mastercard 的线上商户，线下场景主要依赖兼容的手机 NFC 钱包。

4、台湾：可申请并可使用，完成身份与地址验证后可用于线上消费、国际订阅及支持 Apple Pay 或 Google Pay 的线下商户。不

Updated: Jul 29, 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

YesRequired

Accepted documents

Passport / National ID / Driver's license / Residence permit

Review time / regional limits

Automated review is usually fast (a few hours); manual review may take 1-2 business days

KYC provider

iDenfy

Updated

Jul 10, 2026

Payment compatibility

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

Compatibility overview10 scenarios
Supported9
Not supported1
UpdatedJul 10, 2026

Wallet payments

Apple Pay

Supported

Jul 10, 2026

Cash services

ATM withdrawal

Not supported

Jul 10, 2026

AI tools

ChatGPT

Supported

Jul 10, 2026

AI tools

Claude

Supported

Jul 10, 2026

Wallet payments

Google Pay

Supported

Jul 10, 2026

AI tools

Midjourney

Supported

Jul 10, 2026

In-person payments

Offline POS

Supported

Jul 10, 2026

Online shopping

Online shopping

Supported

Jul 10, 2026

Wallet payments

PayPal

Supported

Jul 10, 2026

Subscriptions

Subscription payment

Supported

Jul 10, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
MD RAKIBUL HASANgoogle_play★ 4 / 5

Cryptomus: Wallet & Trading Google Play review - 4 star

Best Cryptomus
View original
Joana Kamaugoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

I’ve been using Cryptomanus for a while now, and honestly, my experience has been pretty good. The platform is straightforward, payments are processed quickly, and I like how easy it is to manage crypto transactions without feeling like everything is overly complicated. The interface could still use a few improvements here and there, but overall, it’s been reliable for what I need. Definitely worth checking out if you’re looking for a simple crypto payment solution.
View original
Corné Van Der Wathgoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

excellent
View original
Dayvon Bennettgoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

personally crypto mus is the best app I've came across this year
View original
Shailok Jaygoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

Nice app
View original
Mohammed Aligoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

"Great app
View original
Kiplimo Kiplagatgoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

safe and fastest mode of transaction, i recommend it 💯
View original
Alex Mwendwagoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

I give it 5 star because it is the best crypto currency platform have ever known to be.its easier to use and navigate freely there is no any ad also and the design is much appealing
View original
Md Saifuzzaman Khangoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

I've been using the Cryptomus Android app for a while now, and it has been a smooth experience. The interface is clean, transactions are easy to manage, and everything loads quickly. I especially like how simple it is to check balances and send or receive crypto without unnecessary steps. The app feels stable, secure, and well-designed for everyday use. Looking forward to seeing even more features in future updates. Definitely worth trying if you need a reliable crypto wallet and payment app.
View original
Oday Osamagoogle_play★ 5 / 5

Cryptomus: Wallet & Trading Google Play review - 5 star

Very beautiful app
View original

Risk factors

Updated: Jul 10, 2026

No risk factors are available