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: Sep 11, 2026
Karta Personal Visa Signature is a stablecoin payment card offered by Karta Finance Inc. to individual users outside the United States. Users can deposit USDT or USDC into Karta's self-custody wallet balance and use the virtual card, mobile wallet, and subsequently issued plastic or metal cards for online shopping, in-store purchases, and ATM withdrawals. The card settles primarily in USD, supports Apple Pay, Google Pay, and Visa Signature benefits, and covers spending through the stablecoin balance.
Confirmed unavailable on App Store
- Card network
- Product type
- Stablecoin payment card
- Card form
- Virtual card / Physical card / Metal card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 60-69
- Supported assets
USDT
USDC- Last updated
- Sep 11, 2026
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
- Wilmington, Delaware, USA
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Karta Personal combines a stablecoin wallet with Visa card payments. Users control assets through a non-custodial wallet provided by Privy and can top up using USDT, USDC, and multiple supported networks. When a purchase is made, funds are deducted from the personal account balance, while merchants receive standard fiat settlement via the Visa network. The virtual card can be created after completing KYC and paying the card issuance fee, and is usable for online purchases, subscription services, Apple Pay, Google Pay, and contactless-enabled ATMs.
Plastic and metal physical cards are in the reservation stage, with first deliveries planned for Q3 2026. Shipping fees will be quoted separately before dispatch. The card is prohibited for gambling, remittance, financial institution top-ups, quasi-cash transactions, dating services, and certain high-risk marketing merchants. The maximum single transaction is USD 25,000, but the actual available limit is subject to account balance, risk controls, and issuer partner rules.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Usage scale & trends
2026-09 · Project-wide data
Spend (USD)
$49,494,083.65
No comparable previous month
Transactions
30
No comparable previous month
Last six complete calendar months
Monthly details
| Period | Spend (USD) | Transactions |
|---|---|---|
| 2026-04 | $27,647,717.47 | 29 |
| 2026-05 | $34,316,281.20 | 32 |
| 2026-06 | $39,062,830.46 | 28 |
| 2026-07 | $58,387,058.74 | 31 |
| 2026-08 | $43,689,992.92 | 29 |
| 2026-09 | $49,494,083.65 | 30 |
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 language support
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
Availability in English-Speaking Markets
1. United States：Cannot apply，Can use，U.S. residents cannot open a Karta Personal account, but eligible foreign cardholders may use an existing card for permitted purchases in the United States.
2. United Kingdom：Can apply，Can use，Applicants must complete Karta verification and fund the account before activating the Visa Signature card.
3. Canada：Can apply，Can use，Applicants must complete Karta verification and fund the account before activating the Visa Signature card.
4. Australia：Can apply，Can use，Applicants must complete Karta verification and fund the account before activating the Visa Signature card.
5. South Africa：Can apply，Can use，Applicants must complete Karta verification and fund the account before activating the Visa Signature card.
6. New Zealand：Can apply，Can use，Applicants must complete Karta verification and fund the account before activating the Visa Signature card.
7. Ireland：Can apply，Can use，Applicants must complete Karta verification and fund the account before activating the Visa Signature card.
Updated: Sep 11, 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
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
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Risk factors
Updated: Jul 29, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Karta Personal Visa Signature require KYC?
Our record lists the Karta Personal Visa Signature verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Karta Personal Visa Signature support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up Karta Personal Visa Signature with?
Our record lists Karta Personal Visa Signature support for: USDT and USDC.
Is Karta Personal Visa Signature a virtual or a physical card?
Karta Personal Visa Signature is offered as: Virtual card, Physical card, and Metal card.
Where is Karta Personal Visa Signature available?
Our record lists 5 countries or regions as available and 8 as restricted. Country-by-country status is in the regions section of this page.
Who issues Karta Personal Visa Signature?
Karta Personal Visa Signature is operated by Karta.io on the Visa network.