Card database / Visa / Stablecoin payment card

GEME × KOLO Partner Card

Updated: Sep 14, 2026

Geme Card's current official product is the GEME × KOLO Partner Card, offered jointly by non-custodial multi-chain wallet GEME and crypto payment platform Kolo. Users can apply for a free virtual Visa card and use stablecoins, major crypto assets and other supported tokens within the GEME/Kolo ecosystem for real-world spending. Payments can be made online and offline through Apple Pay or Google Pay. The partnership promotion also provides BTC spending cashback during the first month.

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Card network
Product type: Stablecoin payment card
Card form: Virtual card
Operating status: Active
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 70-79

Supported assets: USDTUSDCBTCETHBNBSOLXRPADADOGETRXAVAXDOTLINKMATICLTCDAIUNI
Last updated: Sep 14, 2026

Official and company information

Issuer identity and company credentials

GEME is a non-custodial multi-chain crypto wallet and digital asset payment infrastructure project, offering asset storage, sending, receiving, and cross-chain exchange via web and Telegram Mini App, and providing merchants with crypto payment APIs, order collection, settlement management, and batch transfer tools. GEME also integrates the GEME × KOLO co-branded virtual card, allowing KYC-completed users to spend crypto through partner card programs, but related financial and card issuing services are not publicly confirmed by GEME as self-provided.

Visit website Application page

Company / issuer: GEME Wallet (GEME)
Legal name: Gem Wallet LLC
Registered region: United Arab Emirates (AE)
Headquarters: Decentralized team (no traditional physical headquarters), with operations team distributed across Ukraine and Eastern Europe
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

GEME itself is a non-custodial multi-chain wallet in the form of a Telegram Mini App and Web, handling digital asset storage, cross-chain swaps, and integration with card entry points; the actual card service is provided through Kolo. After completing KYC via the partner card entry, users can obtain a virtual payment card and choose crypto assets from their wallet for spending. During payment, the system converts the required assets into local fiat to settle via the card network. Kolo currently defines the KOLO Spend Card as a debit card and supports Apple Pay, Google Pay, online shopping, physical NFC payments, and multiple crypto asset top-ups. GEME officially states that the partner card covers over 170 countries and regions.

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

	GGEME × KOLO Partner Card
Card form	Virtual card
Fees
Monthly fee	Free No monthly card fee
Card issuance fee	Free Free issuance
ATM fee	—
Foreign exchange fee	0% No markup on stablecoin purchases
Top-up fee	Free No extra fee for crypto top-up
Failed transaction fee	—
Rewards
Cashback	—
Crypto cashback	5% First-month promotion for partner card
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 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

172

ArubaAWSt. LuciaLCSt. Vincent & GrenadinesVCFrench PolynesiaPFMaltaMTNorwayNOFinlandFIBoliviaBOMauritaniaMRGreeceGRFrench GuianaGFLatviaLVBermudaBMSierra LeoneSLCzechiaCZMacaoMOMaldivesMVKiribatiKISolomon IslandsSBSt. BarthélemyBLPhilippinesPHEl SalvadorSVLiechtensteinLIBulgariaBGTaiwanTWQatarQAParaguayPYUzbekistanUZMadagascarMGTajikistanTJBeninBJGrenadaGDBritish Virgin IslandsVGChileCLTunisiaTNArmeniaAMSwitzerlandCHTuvaluTVTürkiyeTRHong KongHKAngolaAOBelgiumBEAustriaATSaudi ArabiaSABelizeBZCocos (Keeling) IslandsCCGuineaGNPortugalPTSri LankaLKCyprusCYAndorraADEstoniaEEChadTDIcelandISDjiboutiDJAlbaniaALSouth AfricaZASt. MartinMFÅland IslandsAXBahamasBSNorth MacedoniaMKCanadaCAUruguayUYDenmarkDKTongaTOSão Tomé & PríncipeSTUnited Arab EmiratesAEEgyptEGPakistanPKGermanyDECosta RicaCRSwedenSETogoTGLuxembourgLUSouth KoreaKRGuyanaGYEcuadorECMontenegroMEMongoliaMNGuatemalaGTSan MarinoSMIndiaINMauritiusMUPeruPEEquatorial GuineaGQUnited KingdomGBNigerNEThailandTHFranceFRAustraliaAUTrinidad & TobagoTTIndonesiaIDZambiaZMCuraçaoCWPalauPWKazakhstanKZTurkmenistanTMJordanJOComorosKMBotswanaBWMarshall IslandsMHSpainESSouth Georgia & South Sandwich IslandsGSMayotteYTIrelandIERomaniaROPanamaPASenegalSNKenyaKESt. Kitts & NevisKNLithuaniaLTNew CaledoniaNCChristmas IslandCXMexicoMXAntigua & BarbudaAGIsraelILMalawiMWBahrainBHRéunionRECroatiaHRKuwaitKWTanzaniaTZGeorgiaGESlovakiaSKNamibiaNANetherlandsNLAlgeriaDZCameroonCMAzerbaijanAZLesothoLSSerbiaRSGambiaGMColombiaCORwandaRWGreenlandGLWallis & FutunaWFJamaicaJMUgandaUGItalyITGhanaGHVietnamVNGuernseyGGSt. HelenaSHBrazilBRArgentinaARSloveniaSIMonacoMCMartiniqueMQKyrgyzstanKGCayman IslandsKYNew ZealandNZDominicaDMOmanOMPolandPLSurinameSRMalaysiaMYHondurasHNBhutanBTGuadeloupeGPNepalNPNorfolk IslandNFHungaryHUAnguillaAIFijiFJBruneiBNJapanJPSeychellesSCMoldovaMDCook IslandsCKFaroe IslandsFOSingaporeSGDominican RepublicDO

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

United StatesUSIranIRUkraineUAVenezuelaVERussiaRUChinaCNNorth KoreaKPCubaCUSyriaSY

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，Kolo does not currently issue the GEME × KOLO Partner Card to U.S. residents, but an eligible card issued elsewhere is not subject to a U.S. spending prohibition.

2. United Kingdom：Can apply，Can use，UK residents are within the current card coverage and can obtain the virtual card after completing the required KYC.

3. Canada：Can apply，Can use，Canadian residents are within the current supported card coverage and can apply after completing KYC.

4. Australia：Can apply，Can use，Australian residents can apply under the current international card program after completing the required identity verification.

5. South Africa：Can apply，Can use，South African residents are supported for card issuance and can obtain the card after completing the required KYC.

6. New Zealand：Can apply，Can use，New Zealand residents are within the current supported coverage and can apply after completing identity verification.

7. Ireland：Can apply，Can use，Irish residents are eligible under the current international card program and must complete KYC before card issuance.

Updated: Sep 14, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Government-issued ID

Review time / regional limits

Standard Sumsub automated verification takes about one minute; abnormal accounts go into further manual and enhanced due diligence 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

Supported7

Not supported5

UpdatedAug 12, 2026

Wallet payments

Alipay

Not supported

Aug 12, 2026

Wallet payments

Apple Pay

Supported

Aug 12, 2026

Cash services

ATM withdrawal

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

Supported

Aug 12, 2026

Wallet payments

PayPal

Supported

Aug 12, 2026

Subscriptions

Subscription payment

Supported

Aug 12, 2026

Wallet payments

WeChat Pay

Not supported

Aug 12, 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

Showing 10 approved reviews matched to this card

Newest first

Elif Ǖpitrustpilot★ 1 / 5Jun 4, 2026

Be aware sometimes they will terminate…

Be aware sometimes they will terminate account and wallet without notifications.

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Amanda Campbelltrustpilot★ 1 / 5May 20, 2026

Everyone I had an experience with Kolo…

Everyone I had an experience with Kolo that really hurt me. I put all my retirement money, six hundred and twenty thousand dollars into Kolos system because Kolo looked good. At first everything seemed fine with Kolo so I felt safe. When I tried to take my money out of Kolos system Kolos support team started asking questions making excuses and then they just stopped answering my questions. Kolo took my money I lost everything because of Kolo. I want to warn you about Kolo. Most of the reviews about Kolo are not real you can tell they are fake or paid for. The only real reviews are from people like me who got hurt by Kolo. When I was feeling very sad nobody would listen to me another person who also got hurt by Kolo told me to talk to P·o·m·a advisory. I was very upset did not trust anyone but P·o·m·a advisory was kind and listened to me. P·o·m·a advisory gave me advice without making promises they could not keep. P·o·m·a advisory is the reason I can still write this. And now the name P·o·m·a advisory means something to people like me: P is for people like me who got hurt by Kolo O is for losing money to Kolo M is for money that just disappears with Kolo A is for no help from Kolo A is for nobody who can assist you with Kolo D is for days turning into weeks with Kolo V is for victims like me who got hurt by Kolo I is for being lucky to get help from advisory S is for someone who cared from P·o·m·a advisory O is for others who may not be as lucky as me to get help R is for remembering my story about Kolo Y is for you because you can get help too from P·o·m·a advisory. Stay away from Kolo Kolo is good, at making excuses and taking your money Kolo will hurt you like Kolo hurt me.

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customertrustpilot★ 1 / 5May 7, 2026

Fraudulent Ledger Manipulation and…

Fraudulent Ledger Manipulation and Total Lack of Support Avoid this app if you value your money. They processed 7 duplicate transactions on my account in an 8-second window for a card that I had already DELETED. When I asked for RRNs or Authorization codes to verify these "force-posts," they went silent and deactivated my account. They are now illegally withholding a separate merchant refund to offset the "debt" created by their own system glitch. I have filed a formal regulatory complaint with the OCIF (Case R-2026-0126). Use anyone else. Beyond the technical failures, Kolo has now summarily deactivated all accounts in Zimbabwe without warning or explanation. They have cut off access to wallets, leaving users with no way to withdraw their remaining balances.

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MIKS MIKStrustpilot★ 5 / 5Mar 26, 2026

Бескорыстная и быстрая помощь

Бескорыстная и быстрая помощь! Не смотря на легкие неудобства при регистрации с помощью специалистов все получилось! Бесконечно благодарен команде поддержки за такую заботу о клиентах

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pera simictrustpilot★ 5 / 5Feb 28, 2026

So good

So good. I recommend.

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Aditya Ttrustpilot★ 1 / 5Feb 16, 2026

Most of the reviews here are fake

Most of the reviews here are fake. You can clearly see they paid for / bot it. In reality, Kolo is a CEX that steals users' fund. They will not support asset recovery, ask questions that are not relevant and just quietly end the support whenever they like. They are experts at making excuses and steal your fund AVOID AT ALL COST!

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Consumertrustpilot★ 5 / 5Feb 3, 2026

The support service works perfectly.

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Ismail Balabantrustpilot★ 1 / 5Jan 14, 2026

Restrictive services

Unfortunately, my experience with this crypto/finacial company turned out to be very unpleasant.I found that their services,in fact is not efficient nor aequate nor customer-friendly at all... They might reply that "As a regulated financial institution, they must adhere to strict internal and regulatory policies. Under these requirements, thy may occasionally need to reject services for an account, and they are often restricted from disclosing the specific reasons behind such decisions. however, as customers we can still find the other which offer much more better customer friendly services without too much restrictions and rejections.. I would highly recommend not to use the services of such company which has too much restrictions against customers!!..

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Abdel Boutaouitrustpilot★ 5 / 5Dec 14, 2025

Excellent service

Excellent service, always available to answer our questions. The bank card is very convenient for different uses. Thank you Kolo 🙂

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CCtrustpilot★ 1 / 5Dec 12, 2025

SCAMMERS

Scam organisation took my USDC never updated my balances. The bogus card they have cannot be uploaded onto your phones wallet plus the reviews on here are all fake & there is no App in the App Store trust the reviews with one star AVOID AVOID AVOID

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Risk factors

Updated: Aug 12, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does GEME × KOLO Partner Card require KYC?

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

Does GEME × KOLO Partner Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up GEME × KOLO Partner Card with?

Our record lists GEME × KOLO Partner Card support for: USDT, USDC, BTC, ETH, BNB, SOL, XRP, and ADA (17 in total).

Is GEME × KOLO Partner Card a virtual or a physical card?

GEME × KOLO Partner Card is offered as: Virtual card.

Where is GEME × KOLO Partner Card available?

Our record lists 172 countries or regions as available and 9 as restricted. Country-by-country status is in the regions section of this page.

Who issues GEME × KOLO Partner Card?

GEME × KOLO Partner Card is operated by GEME Wallet (GEME) on the Visa network.