Available regions
Applications or normal card activation are supported
BrazilBRMexicoMXArgentinaARUnited Arab EmiratesAEColombiaCO
- Evidence
- Officially supported
Card database / Visa / Stablecoin payment card
K
Karta Personal Visa Signature
Updated: Aug 28, 2026
OriginalKarta Personal Visa Signature 是 Karta Finance Inc. 面向美国以外个人用户提供的稳定币支付卡。用户可将 USDT 或 USDC 存入 Karta 的自托管钱包余额，通过虚拟卡、移动钱包及后续发行的塑料卡或金属卡进行线上购物、线下消费和 ATM 取现。卡片以美元为主要结算货币，支持 Apple Pay、Google Pay 和 Visa Signature 权益，并通过稳定币余额承担消费支出。
Confirmed unavailable on App Store
Official and company information
Issuer identity and company credentials
Karta Finance Inc. is a fintech company registered in Delaware, USA, operating the Karta crypto-friendly payment and card platform. It serves individuals, Web3 teams, and digital asset businesses, offering stablecoin top-ups, digital asset management, Visa card spending, corporate expense management, and cross-border payments. Karta itself is not a bank or traditional card issuer; related cards, accounts, and payment capabilities are typically provided by third-party regulated financial institutions or issuing partners. Overall, Karta is more of a fintech service provider in digital asset payment scenarios.
- Company / issuer
- Karta.io
- Legal name
- Karta Finance Inc.
- Registered region
- United States (US)
- Headquarters
- Original美国特拉华州威尔明顿
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
OriginalKarta Personal 采用稳定币钱包与 Visa 卡支付相结合的结构。用户通过 Privy 提供的非托管钱包控制资产，可使用 USDT、USDC 及多个受支持网络充值。消费发生后，款项从个人账户余额中扣除，商户则通过 Visa 网络接收普通法币结算。当前虚拟卡完成 KYC 并支付开卡费后即可创建，可用于线上消费、订阅服务、Apple Pay、Google Pay 及支持非接触功能的 ATM。
塑料实体卡和金属实体卡处于预订阶段，首批配送计划安排在2026年第三季度，运费将在发货前另行报价。卡片禁止用于赌博、汇款、金融机构充值、准现金交易、交友服务和部分高风险营销商户。单笔消费最高25,000美元，但实际可用额度会受账户余额、风险控制和发卡合作方规则影响。
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
Drag or swipe anywhere in the table to view every card; labels stay fixed
K Karta Visa Virtual Card | K Karta Plastic Card | K Karta Metal Card | |
|---|---|---|---|
| Card form | Virtual card | Physical card | Metal card |
| Fees | |||
| Monthly fee | Free No monthly or annual fee | Free No monthly or annual fee | Free No monthly or annual fee |
| Card issuance fee | 5 USDT One-time card issuance fee | 99 USDT Shipping fee quoted separately | 299 USDT Shipping fee quoted separately |
| ATM fee | 1 USD + 2.5% ATM may charge additional fees | 1 USD + 2.5% ATM may charge additional fees | 1 USD + 2.5% ATM may charge additional fees |
| Foreign exchange fee | 1% Charged for non-USD transactions. | 1% Charged for non-USD transactions. | 1% Charged for non-USD transactions. |
| Top-up fee | 5.9 USDT TRC20 top-up fee applies | 5.9 USDT TRC20 top-up fee applies; other methods free | 5.9 USDT TRC20 top-up fee applies; other methods free |
| Failed transaction fee | 1 USD Only ATM withdrawal is charged | 1 USD Only ATM withdrawal is charged | 1 USD Only ATM withdrawal is charged |
| Rewards | |||
| Cashback | — | — | — |
| Crypto cashback | — | — | — |
| Staking rewards | — | — | — |
| Staking APR | — | — | — |
| Welcome bonus | — | — | — |
| Referral bonus | 5 USDT + 0.25% Rewards for friend card issuance and spending | 5 USDT + 0.25% Rewards for friend card issuance and spending | 5 USDT + 0.25% Rewards for friend card issuance and spending |
| Limits | |||
| Daily spending limit | — | — | — |
| Monthly spending limit | — | — | — |
| ATM withdrawal limit | 250 USD 250 USD per attempt, 3 attempts per 24 hours; failed attempts also count | 250 USD 250 USD per attempt, 3 attempts per 24 hours; failed attempts also count | 250 USD 250 USD per attempt, 3 attempts per 24 hours; failed attempts also count |
| 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 KoreaKPUnited StatesUSVenezuelaVEIranIRSyriaSYCubaCUUkraineUARussiaRU
- 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：申请受限，须通过居民资格和证件审核；已持卡可在接受境外 Visa 的商户使用，并可按境外卡规则绑定微信支付或支付宝。
2、香港：申请受限，须通过注册页面及发卡方审核；已持卡可在接受 Visa 的线上和线下商户使用，并可绑定受支持的移动钱包。
3、澳门：申请受限，审核通过后可使用虚拟卡；塑料卡和金属卡仍处于预订阶段，已持卡可在接受境外 Visa 的商户消费。
4、台湾：申请受限，审核通过后可使用虚拟卡；可用于国际线上商户，并可在符合钱包地区要求时使用 Apple Pay 或 Google Pay。
Updated: Jul 29, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
NoNot requiredAccepted documents
Passport / National ID card / Driver's license / Residence permit
Review time / regional limits
Automated verification is usually completed in real time; if it takes more than one hour, contact human support.
KYC provider
Sumsub
Updated
Jul 29, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported11
Not supported1
UpdatedJul 29, 2026
Wallet payments
Alipay
Supported
Jul 29, 2026
Wallet payments
Apple Pay
Supported
Jul 29, 2026
Cash services
ATM withdrawal
Supported
Jul 29, 2026
AI tools
ChatGPT
Supported
Jul 29, 2026
AI tools
Claude
Supported
Jul 29, 2026
Wallet payments
Google Pay
Supported
Jul 29, 2026
AI tools
Midjourney
Supported
Jul 29, 2026
In-person payments
Offline POS
Supported
Jul 29, 2026
Online shopping
Online shopping
Supported
Jul 29, 2026
Wallet payments
PayPal
Not supported
Jul 29, 2026
Subscriptions
Subscription payment
Supported
Jul 29, 2026
Wallet payments
WeChat Pay
Supported
Jul 29, 2026
User reviews
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Risk factors
Updated: Jul 29, 2026
No risk factors are available