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Endl Card

Updated: Aug 12, 2026

Endl Card is a stablecoin corporate payment card offered by Endl to cross-border businesses and global teams. Businesses can fund their account and card system with fiat currency, USDT or USDC and create virtual and physical Visa cards for employees, contractors or specific business purposes. The product focuses on SaaS, advertising, supplier and team expenses and provides card limits, permission controls and real-time transaction management.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual + physical card
Operating status
Active
KYC level
Business KYC / KYB
Commercial relationship
No commercial relationship
Risk score
70-79
Supported assets
USDT / USDC
Last updated
Aug 12, 2026

Official and company information

Issuer identity and company credentials

Endl is a stablecoin fintech platform for cross-border businesses and international teams, offering multi-currency receiving accounts, stablecoin-to-fiat exchange, global payments, treasury management, and virtual and physical corporate cards. The platform handles account interface, payment orchestration, team permissions, and card management; specific banking, custody, exchange, and card issuing services are provided by affiliated entities and third-party licensed financial institutions in different regions.
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Company / issuer
Endl
Legal name
Zayment Finance Sp. z o.o.
Registered region
Poland (PL)
Headquarters
Dubai, United Arab Emirates
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Endl combines multi-currency accounts, stablecoin wallets, cross-border payments, and corporate cards on one platform. The current corporate card is legally named Endl Spend Card. Endl provides the technology and account management interface, while the card program runs on the Visa network with a third-party issuer. Its credit line is tied to collateral assets provided by the user, which can be held in a wallet on a supported network. Spending creates a repayable balance. Businesses can also allocate funds and spending permissions to team cards via a unified wallet. The current Standard plan includes 5 free virtual cards, while the Growth plan expands team member capacity and adds Apple Pay and Google Pay.
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

Endl corporate spending card
Card formVirtual + physical card
Fees
Monthly fee
Free
Starter free, Growth $19
Card issuance fee
Free
Included free in the package
ATM fee—
Foreign exchange fee
1%
Additional charge for non-USD card spending
Top-up fee—
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
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.

Available regions

Applications or normal card activation are supported

61
PolandPLLuxembourgLUPhilippinesPHSloveniaSICzechiaCZSwedenSEChileCLNetherlandsNLDenmarkDKMonacoMCPeruPEIndonesiaIDNorwayNOAndorraADSwitzerlandCHPakistanPKEstoniaEETanzaniaTZCôte d’IvoireCIGhanaGHBangladeshBDKenyaKEUnited StatesUSMaltaMTFranceFRBulgariaBGLatviaLVLithuaniaLTZambiaZMRomaniaROIcelandISVatican CityVAIrelandIEUnited KingdomGBCameroonCMPortugalPTAustriaATHungaryHUSpainESSan MarinoSMMalaysiaMYCyprusCYJapanJPArgentinaARCambodiaKHBrazilBRFinlandFIBelgiumBEThailandTHGermanyDEHong KongHKSingaporeSGCanadaCAMexicoMXLiechtensteinLICroatiaHRItalyITGreeceGRNigeriaNGSlovakiaSKColombiaCO
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

17
IranIRChinaCNIraqIQBelarusBYUkraineUAVietnamVNMyanmar (Burma)MMSyriaSYVenezuelaVENorth KoreaKPCubaCUIsraelILNicaraguaNITürkiyeTRRussiaRUIndiaINNepalNP
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：不支持申请，Endl 明确禁止向中国大陆居民或注册主体发行卡片；已持卡用户仍可在非受限地区接受 Visa 的商户使用。

2、香港：可申请，中国香港属于 Endl 当前公开业务覆盖地区，企业完成 KYB、持卡人 KYC 和发行机构审核后可申请并使用 Visa 企业卡。

3、澳门：申请受限，当前未列入公开常规业务覆盖名单，需要通过企业客户及发行机构合规审核；已持卡可在接受 Visa 的非受限商户使用。

4、台湾：申请受限，当前未列入公开常规业务覆盖名单，需要完成企业及持卡人合规审批；已发行卡可在接受 Visa 的非受限商户消费。

Updated: Aug 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

Business KYC / KYBRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / Driver's license / Government-issued ID / Proof of address / Company registration documents

Review time / regional limits

Standard online KYC/KYB aims to complete within 24 hours; risky accounts go to further compliance review.

KYC provider

Sumsub

Updated

Aug 12, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported5
Not supported7
UpdatedAug 12, 2026

Wallet payments

Alipay

Not supported

Aug 12, 2026

Wallet payments

Apple Pay

Supported

Aug 12, 2026

Cash services

ATM withdrawal

Not supported

Aug 12, 2026

AI tools

ChatGPT

Not supported

Aug 12, 2026

AI tools

Claude

Not supported

Aug 12, 2026

Wallet payments

Google Pay

Supported

Aug 12, 2026

AI tools

Midjourney

Not supported

Aug 12, 2026

In-person payments

Offline POS

Supported

Aug 12, 2026

Online shopping

Online shopping

Supported

Aug 12, 2026

Wallet payments

PayPal

Not supported

Aug 12, 2026

Subscriptions

Subscription payment

Supported

Aug 12, 2026

Wallet payments

WeChat Pay

Not supported

Aug 12, 2026

User reviews

Showing 3 approved reviews matched to this card

Newest first
Naman Rastogitrustpilot★ 5 / 5

I have used Endl to receive payment in July

I have used Endl to receive payment in India from France and US, the delivery was almost instant and and conversion rate charged was negligible. Thanks to the new user offer they ran in July
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Hello MRtrustpilot★ 5 / 5

The experience with endl

The experience is genuinely good , and Didn't face any issues with the platform while using it , does a great job and made me shift from the existing crypto platform because of the good experience.
View original
Danish Chavadatrustpilot★ 5 / 5

Replaced three tools with one

Endl simplified our entire cross-border payment stack. We moved off three separate tools for FX, payouts, and reconciliation. Everything runs through one dashboard now. Settlement is fast, the cards work everywhere, and the team actually responds when you need something. Exactly what modern finance ops should look like.
Official reply
thank you for your feedback
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Risk factors

Updated: Aug 12, 2026

No risk factors are available