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GGEME × KOLO Partner Card logo

GEME × KOLO Partner Card

Updated: Aug 12, 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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Confirmed unavailable on App Store
Card network
Visa
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
USDT / USDC / BTC / ETH / BNB / SOL / XRP / ADA / DOGE / TRX / AVAX / DOT / LINK / MATIC / LTC / DAI / UNI
Last updated
Aug 12, 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.

Card variants and fee differences

Compare verified fee records across card forms and tiers

GEME × KOLO co-branded virtual card
Card formVirtual 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 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

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

9
United StatesUSIranIRUkraineUAVenezuelaVERussiaRUChinaCNNorth KoreaKPCubaCUSyriaSY
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：申请受限，当前存在全球覆盖入口，但大陆居民面临加密资产监管及 KYC 地区限制；境外合资格持卡用户可在符合规则的国际支付场景使用。

2、香港：可申请，当前地区资料将 Kolo Card 列为香港可用加密卡；通过 KYC 后可连接 Apple Pay、Google Pay，并用于线上和线下消费。

3、澳门：可申请，当前支持地区资料包含中国澳门；通过身份审核后可使用虚拟卡，并在支持 Visa 或移动钱包的商户进行消费。

4、台湾：可申请，2026 年地区资料将 Kolo Card 列入台湾可用卡片；完成 KYC 后可通过 Visa 及 Apple Pay、Google Pay 使用。

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

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

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

User reviews

Showing 10 approved reviews matched to this card

Newest first
Elif Ǖpitrustpilot★ 1 / 5

Be aware sometimes they will terminate…

Be aware sometimes they will terminate account and wallet without notifications.
View original
Amanda Campbelltrustpilot★ 1 / 5

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.
View original
customertrustpilot★ 1 / 5

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.
View original
MIKS MIKStrustpilot★ 5 / 5

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 / 5

So good

So good. I recommend.
View original
Aditya Ttrustpilot★ 1 / 5

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!
View original
Consumertrustpilot★ 5 / 5
The support service works perfectly.
View original
Ismail Balabantrustpilot★ 1 / 5

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 / 5

Excellent service

Excellent service, always available to answer our questions. The bank card is very convenient for different uses. Thank you Kolo 🙂
View original
CCtrustpilot★ 1 / 5

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