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Kolan Card

Updated: Aug 13, 2026

Kolan Card is a Visa virtual payment card offered by Kolan for cross-border receipts, stablecoin asset management and international spending. Users can receive USD, EUR and GBP into their Kolan account, hold stablecoin balances and create virtual cards for spending. Its international consumer plan uses a digital asset-backed structure, with the spending limit linked to the value of eligible collateral assets. The card can be used for online shopping, subscriptions and everyday payments through compatible mobile wallets.
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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
Last updated
Aug 13, 2026

Official and company information

Issuer identity and company credentials

HuruPay is a cross-border fintech platform registered in Delaware, USA, offering stablecoin-backed USD, EUR, and GBP virtual accounts, ACH/Wire/SEPA payment rails, USDC settlement, cross-border payments, and virtual USD cards for individuals, freelancers, and businesses. HuruPay is not a bank itself; underlying accounts, banking services, crypto asset accounts, and card services are provided by third-party partner institutions. The brand completed a brand upgrade in August 2026 and is currently rebranding to Kolan, with the new platform planning to add crypto asset trading, perpetual contracts, prediction markets, and stocks.
Visit website Application page
Company / issuer
HuruPay (Kolan)
Legal name
Hurupay Inc.
Registered region
United States (US)
Headquarters
United States
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Kolan is the current name of Hurupay after a brand upgrade completed in August 2026. The legal entity continues to be Hurupay Inc., and existing agreements and business relationships remain valid. The current platform integrates fiat collection, stablecoin balances, crypto asset services, and Visa card payments into one account system. Users can transfer funds into their account via bank channels, crypto assets, etc., and then create a Virtual USD Card for spending. The international consumer card uses a secured account structure, can connect to blockchain-enabled wallets, uses digital assets as collateral, and forms a dynamic spending limit; US consumers are subject to separate Kolan credit card account terms. The card can be used for international spending via the Visa network, but application country, transaction region, merchant category, and high-risk uses are subject to current compliance policies.
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

Virtual USD card
Card formVirtual card
Fees
Monthly fee
Free
No monthly account maintenance fee
Card issuance fee
Free
Free to create
ATM fee
1 USD + 0.65%
International card ATM withdrawal
Foreign exchange fee
3%
International plan non-USD transactions
Top-up fee—
Failed transaction fee
0.6 USD
ATM declined 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

17
KenyaKEArgentinaARBrazilBRUnited StatesUSGermanyDEIndonesiaIDColombiaCOSouth AfricaZANigeriaNGGhanaGHCanadaCAMacaoMOSpainESHong KongHKUnited KingdomGBPhilippinesPHTaiwanTW
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

15
UkraineUANorth KoreaKPIndiaINIraqIQBelarusBYCubaCUIranIRNepalNPTürkiyeTRVietnamVNChinaCNRussiaRUVenezuelaVEIsraelILSyriaSY
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：不可申请；现行政策禁止中国大陆居民申请，但中国大陆不在禁止消费地区名单，已持卡用户可在符合条件的 Visa 受理商户使用。

2、香港：可申请；适用美国境外消费者卡方案，完成身份验证后可进行线上消费，并可通过兼容移动钱包在 Visa 受理商户付款。

3、澳门：可申请；适用美国境外消费者卡方案，完成身份验证后可进行国际线上消费，并可在符合条件的 Visa 受理场景使用。

4、台湾：可申请；适用美国境外消费者卡方案，完成身份验证后可进行线上消费，并可通过兼容移动钱包在 Visa 受理商户付款。

Updated: Aug 13, 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

YesRequired

Accepted documents

Passport / National ID card / Driver's license

Review time / regional limits

Automated review usually takes a few minutes; manual compliance review is capped at three business days.

KYC provider

Not disclosed

Updated

Aug 13, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 13, 2026

Wallet payments

Alipay

Supported

Aug 13, 2026

Wallet payments

Apple Pay

Supported

Aug 13, 2026

Cash services

ATM withdrawal

Supported

Aug 13, 2026

AI tools

ChatGPT

Supported

Aug 13, 2026

AI tools

Claude

Supported

Aug 13, 2026

Wallet payments

Google Pay

Supported

Aug 13, 2026

AI tools

Midjourney

Supported

Aug 13, 2026

In-person payments

Offline POS

Supported

Aug 13, 2026

Online shopping

Online shopping

Supported

Aug 13, 2026

Wallet payments

PayPal

Supported

Aug 13, 2026

Subscriptions

Subscription payment

Supported

Aug 13, 2026

Wallet payments

WeChat Pay

Supported

Aug 13, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Rebeka Rupagoogle_play★ 5 / 5

Kolan: Money, Crypto & Markets Google Play review - 5 star

The perpetual trading feature on Kolan is really well done, I appreciate how I can open long or short positions and monitor my collateral. One thing that would be helpful is if they added more educational resources for beginners.
View original
Bright Nwagbosogoogle_play★ 3 / 5

Kolan: Money, Crypto & Markets Google Play review - 3 star

very good
View original
Md Raju Islamgoogle_play★ 5 / 5

Kolan: Money, Crypto & Markets Google Play review - 5 star

A smart and modern finance app offering convenient crypto tools and access to global markets
View original
najmul sheikhgoogle_play★ 5 / 5

Kolan: Money, Crypto & Markets Google Play review - 5 star

A reliable app with smooth navigation useful financial tools,and convenient access to global markets.
View original
Nestor Vincent Mertallagoogle_play★ 5 / 5

Kolan: Money, Crypto & Markets Google Play review - 5 star

This was my first time using the app, which I use to receive my salary from my employer. I accidentally transferred my funds to an unavailable bank account, causing the transaction to go into a floating status. I contacted customer service and was assisted by Fransiska. She was patient, calm, professional, and went above and beyond to resolve my concern. Her excellent service deserves recognition and, in my opinion, a raise. I gladly give her 5 stars. Thank you, Fransiska!
Official reply
Thank you for using our new app Kolan.
View original
JISHU BARUAgoogle_play★ 5 / 5

Kolan: Money, Crypto & Markets Google Play review - 5 star

I have been using kolan for a while naw and i have to say, tha new updates have made a big different. The app is more responsive and i can access all the information i need quickly.
View original
Parvin Parvingoogle_play★ 5 / 5

Kolan: Money, Crypto & Markets Google Play review - 5 star

i ' m not really sure what to make of the perpetual treading feature i ' ve been trying to Learn about it but i ' m stil a bit confused, maybe a tutorial or Guide would be Helpful
View original
Work Mailgoogle_play★ 5 / 5

Kolan: Money, Crypto & Markets Google Play review - 5 star

I was having some trouble finding the transaction history section on Kolan, but after the latest update, it's right where I expect it to be. The app is also loading faster for me now.
View original
El Falconogoogle_play★ 5 / 5

Kolan: Money, Crypto & Markets Google Play review - 5 star

Great app for managing money and exploring crypto markets with a simple,modern,user-friendly interface.
View original
John Piaotrustpilot★ 1 / 5

Trustworthy service!

Based on my experience, I can't recommend this service. I received my first payment from a bank account, and shortly afterward, my account was permanently closed without warning. This has been a very disappointing experience.
View original

Risk factors

Updated: Aug 13, 2026

No risk factors are available