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Kolo Card

Updated: Sep 15, 2026

The official service name of the Kolo Card is KOLO Spend Card. It is a virtual debit card connecting the Kolo non-custodial crypto wallet to the Visa payment network. Users can deposit assets including BTC, ETH, USDT, USDC, and LTC. At the time of purchase, the assets are automatically converted into local fiat currency for online and in-store payments through Apple Pay or Google Pay. The personal card offers Bitcoin spending cashback and also supports transfers of crypto assets to SEPA bank accounts.
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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
USDTUSDCBTCETHTRXLTC
Last updated
Sep 15, 2026

Official and company information

Issuer identity and company credentials

Hardline Holding Limited is the current operating entity of Kolo, registered in Kazakhstan with company number 221240900259. Since July 1, 2026, it has been responsible for wallet, exchange, card entry, and cashback services. The company holds license AFSA-G-LA-2024-0011 under the regulatory framework of the Astana International Financial Centre FinTech Lab. Card services are provided in collaboration with US-based Signify Holdings Inc and its Rain payment infrastructure, connected to the Visa network; current public terms do not directly specify the issuing bank.
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Company / issuer
Kolo
Legal name
Hardline Holdings Limited
Registered region
Kazakhstan (KZ)
Headquarters
Astana, Kazakhstan
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

After registering a Kolo account and completing Sumsub identity verification, users can apply for a virtual Visa card. There is currently no physical version, and the card is mainly used through its card details or Apple Pay and Google Pay. Spending funds come from crypto assets in the Kolo wallet, with the required assets automatically converted into the card's settlement currency when a transaction occurs. Since July 1, 2026, the wallet has used a multiparty computation key structure. Users must authorize transactions with their own key share, and Kolo cannot transfer wallet assets on its own. Personal card spending earns BTC cashback. The account also provides crypto asset exchange, email transfers, and transfers to SEPA accounts such as Revolut, Wise, and N26. Card fees, spending limits, and eligibility are displayed according to the account type, KYC status, and region.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

2026-09 · Project-wide data

Source unspecified

Spend (USD)

$19,634,502.34

No comparable previous month

Transactions

61,883

No comparable previous month

Last six complete calendar months

Spend (USD)
Monthly details
PeriodSpend (USD)Transactions
2026-04$8,617,788.0430
2026-05$10,547,975.79203
2026-06$10,431,905.952,038
2026-07$15,409,160.6618,914
2026-08$17,766,916.8241,876
2026-09$19,634,502.3461,883

Data source: Paymentscan ↗

Period: 2026-04 — 2026-09Last synchronized:

Card variants and fee differences

Compare verified fee records across card forms and tiers

KOLO Spend Card
Card formVirtual card
Fees
Monthly fee
Free
Card issuance fee
Free
Requires a $10 deposit first
ATM fee—
Foreign exchange fee
1%
Additional fee for non-USD merchants
Top-up fee
Free
Network fees apply separately
Failed transaction fee—
Rewards
Cashback—
Crypto cashback
2%
2% for first 30 days, then 1% in BTC; max $100 per month
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit
9,000 USD
Daily limit for personal accounts
Monthly spending limit
9,000 USD
Monthly limit for personal accounts
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

171
St. BarthélemyBLBahamasBSEgyptEGArubaAWTongaTOThailandTHSri LankaLKRéunionRECosta RicaCREstoniaEEBelgiumBELithuaniaLTLesothoLSGhanaGHFranceFRVietnamVNIndiaINUzbekistanUZUnited Arab EmiratesAESingaporeSGBulgariaBGSierra LeoneSLMadagascarMGFrench GuianaGFSt. LuciaLCMonacoMCBruneiBNSt. Kitts & NevisKNJordanJOTunisiaTNNew CaledoniaNCMacaoMOMicronesiaFMNorwayNOPanamaPAComorosKMNetherlandsNLUnited KingdomGBMartiniqueMQQatarQAGreeceGREcuadorECGambiaGMBhutanBTNew ZealandNZTuvaluTVTanzaniaTZAlbaniaALTrinidad & TobagoTTMayotteYTArmeniaAMTürkiyeTRSouth AfricaZAFrench PolynesiaPFCzechiaCZParaguayPYLiechtensteinLISt. Vincent & GrenadinesVCArgentinaARUgandaUGGuadeloupeGPGuernseyGGMaldivesMVPalauPWJapanJPKiribatiKIKenyaKENamibiaNAAustriaATMauritaniaMRSurinameSRMauritiusMUSenegalSNGeorgiaGELatviaLVBritish Virgin IslandsVGPolandPLAntigua & BarbudaAGDenmarkDKItalyITBelizeBZCyprusCYSan MarinoSMSlovakiaSKMalawiMWMexicoMXCocos (Keeling) IslandsCCAngolaAOChadTDMalaysiaMYNigerNEBrazilBRMongoliaMNTurkmenistanTMRwandaRWDominicaDMSouth Georgia & South Sandwich IslandsGSOmanOMGuatemalaGTEl SalvadorSVAndorraADPakistanPKNorfolk IslandNFSão Tomé & PríncipeSTÅland IslandsAXSwitzerlandCHSt. MartinMFPortugalPTColombiaCOGreenlandGLIcelandISMarshall IslandsMHMaltaMTMoldovaMDKuwaitKWAnguillaAIBotswanaBWKazakhstanKZGrenadaGDSaudi ArabiaSASeychellesSCIsraelILCook IslandsCKCuraçaoCWIrelandIELuxembourgLUCanadaCAFijiFJSerbiaRSBeninBJBahrainBHBermudaBMCroatiaHRSwedenSEFaroe IslandsFOCayman IslandsKYChileCLFinlandFIKyrgyzstanKGChristmas IslandCXNepalNPWallis & FutunaWFPeruPEHondurasHNHungaryHUGuyanaGYIndonesiaIDSpainESGermanyDERomaniaROSouth KoreaKREquatorial GuineaGQAzerbaijanAZAustraliaAUAlgeriaDZCameroonCMTajikistanTJTogoTGNorth MacedoniaMKSolomon IslandsSBMontenegroMEDjiboutiDJSt. HelenaSHUruguayUYDominican RepublicDOGuineaGNSloveniaSIJamaicaJMBoliviaBOZambiaZMPhilippinesPH
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

75
Central African RepublicCFGuamGUTurks & Caicos IslandsTCRussiaRULibyaLYEswatiniSZNauruNRHong KongHKVanuatuVUIranIRIraqIQVatican CityVASyriaSYUkraineUAMyanmar (Burma)MMAntarcticaAQNorth KoreaKPTaiwanTWBritish Indian Ocean TerritoryIOPapua New GuineaPGSudanSDSouth SudanSSAfghanistanAFZimbabweZWBurundiBILebanonLBMozambiqueMZFrench Southern TerritoriesTFJerseyJEGabonGABarbadosBBEthiopiaETIsle of ManIMSomaliaSOLaosLACubaCUGibraltarGIU.S. Outlying IslandsUMGuinea-BissauGWNiueNUNorthern Mariana IslandsMPTokelauTKBangladeshBDNicaraguaNICongo - BrazzavilleCGAmerican SamoaASMaliMLChinaCNBelarusBYMoroccoMANigeriaNGEritreaERHaitiHTUnited StatesUSBouvet IslandBVPitcairn IslandsPNBosnia & HerzegovinaBASint MaartenSXSamoaWSU.S. Virgin IslandsVIPuerto RicoPRCambodiaKHHeard & McDonald IslandsHMCape VerdeCVWestern SaharaEHTimor-LesteTLYemenYEFalkland Islands (Islas Malvinas)FKSvalbard & Jan MayenSJVenezuelaVELiberiaLRMontserratMSCôte d’IvoireCIBurkina FasoBFCongo - KinshasaCD
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，The United States is excluded from Kolo’s current card issuance coverage, but a card issued to an eligible user can still be used in the U.S.
2. United Kingdom：Can apply，Can use，The United Kingdom is included in Kolo’s current card coverage, and applicants must complete the required identity verification and provide valid address information.
3. Canada：Can apply，Can use，Canada is included in Kolo’s current issuance coverage, with applicants required to complete KYC and provide valid address information before receiving the card.
4. Australia：Can apply，Can use，Australia is included in Kolo’s current card coverage, and residents can obtain the card after completing the required identity verification.
5. South Africa：Can apply，Can use，South Africa is included in Kolo’s current issuance coverage, and eligible residents must complete KYC before obtaining the card.
6. New Zealand：Can apply，Can use，New Zealand is included in Kolo’s current card coverage, with issuance available after the required identity verification.
7. Ireland：Can apply，Can use，Ireland is included in Kolo’s current issuance coverage, and residents can obtain the card after completing KYC and providing valid address information.

Updated: Sep 15, 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

Passport / National ID card / Driver's license

Review time / regional limits

Automatic verification usually completes within a few minutes; abnormal documents or risk hits trigger manual compliance review.

KYC provider

Sumsub

Updated

Aug 3, 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
UpdatedAug 3, 2026

Wallet payments

Alipay

Supported

Aug 3, 2026

Wallet payments

Apple Pay

Supported

Aug 3, 2026

Cash services

ATM withdrawal

Not supported

Aug 3, 2026

AI tools

ChatGPT

Supported

Aug 3, 2026

AI tools

Claude

Supported

Aug 3, 2026

Wallet payments

Google Pay

Supported

Aug 3, 2026

AI tools

Midjourney

Supported

Aug 3, 2026

In-person payments

Offline POS

Supported

Aug 3, 2026

Online shopping

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Supported

Aug 3, 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
I_r_yapp_store★ 5 / 5

Нет подключения

Не могу подключить карту , ничего не работает , деньги на счету
View original
Kel_st32app_store★ 1 / 5

Bad service and support with long answers

Wirex - it’s awful card provider, don’t use this service Kolo support’s wirex
View original
KonstantinKosmicapp_store★ 5 / 5

Top

Top service , easy to use, customer care is quick
View original
BonnyM22app_store★ 5 / 5

Good

Progressive app and cool design
View original
alex mtekamagoogle_play★ 5 / 5

Kolo Wallet Google Play review - 5 star

add security like password or biometric you can't just leave the app unprotected like toilet door
View original
MirONbl4app_store★ 5 / 5

Creepto card

Very nice, I’m happy)
View original
Valentinabwzapp_store★ 5 / 5

Best app

Top! Very convenient and works perfectly
View original
ASOBO ROHI NDIKUMgoogle_play★ 5 / 5

Kolo Wallet Google Play review - 5 star

Kolo Wallet Here Is The Best Card I've Ever Used 🎚️ Keep Up The Great Work Team 💪
View original
EMMANUELgoogle_play★ 4 / 5

Kolo Wallet Google Play review - 4 star

Feature suggestion. Can you consider introducing optional paid premium subcription tiers with higher cashback amounts like 4-6%? Same way Plasma card does it?
View original
Bez Knowledgegoogle_play★ 1 / 5

Kolo Wallet Google Play review - 1 star

ض I did mining here and also did tasks. But I didn't get a single token here.
View original

Risk factors

Updated: Jul 20, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Kolo Card require KYC?

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

Does Kolo Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Kolo Card with?

Our record lists Kolo Card support for: USDT, USDC, BTC, ETH, TRX, and LTC.

Is Kolo Card a virtual or a physical card?

Kolo Card is offered as: Virtual card.

Where is Kolo Card available?

Our record lists 171 countries or regions as available and 75 as restricted. Country-by-country status is in the regions section of this page.

Who issues Kolo Card?

Kolo Card is operated by Kolo on the Visa network.