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Morse Card

Updated: Sep 21, 2026

The Morse Card is a virtual prepaid card that connects directly to the Morse Balance, eliminating the need for users to maintain a separate top-up balance for the card. Funds in the Morse account are held in stablecoins such as USDC, USDG, or EURC within a user-controlled wallet; when the card is used, funds are deducted directly from the Morse Balance and the transaction is settled through the card network. Thus, the core structure is "self-custodied stablecoin balance + direct card spending."
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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
90-99
Supported assets
USDTUSDCBTCETHSOL
Last updated
Sep 21, 2026

Official and company information

Issuer identity and company credentials

Morse (formerly Sling Money) is a global financial services platform supporting stablecoin wallets, multi-currency accounts, international transfers, receiving payments, investing, and virtual Visa cards. The platform uses a self-custodial wallet architecture and offers certain crypto asset services in Europe through licensed entities; card services are issued by partner banks, with Morse handling platform access and account management.
Visit website Application page
Company / issuer
Morse (Sling Money)
Legal name
Avian Labs, 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

Morse integrates a self-custodial stablecoin wallet, fiat on-ramps, and a payment card into a unified account system. After users deposit funds via bank transfer, debit card, or stablecoin transfer, the funds are converted and held in the "Morse Balance"; European users primarily hold Digital Euros, while users in other markets mainly use Digital Dollars as their account base. The Morse Card draws funds directly from this balance for purchases, eliminating the need to transfer funds to a separate card account. Currently, the card is a virtual card issued by Lead Bank, with the card program managed by Bridge Ventures and the Morse platform provided by Avian Labs. The product has officially launched in target markets, including the United States and several Latin American countries.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Usage scale & trends

Usage data is not available for this card yet. It will appear here when available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Morse Card
Card formVirtual card
Fees
Monthly fee
Free
No monthly card fee
Card issuance fee
Free
Free issuance
ATM fee—
Foreign exchange fee
Free
0% on foreign and cross-currency purchases
Top-up fee
Free
Card loading itself is free
Failed transaction fee—
Rewards
Cashback
10%
10% for first 30 days, then 1%; caps of $40 and $100 respectively
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus
5 USD
Restricted to activity in Mexico and Colombia
Limits
Daily spending limit
2,000 USD
First 30 days 2000, then rises to 5000
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 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

16
BoliviaBOEl SalvadorSVBrazilBRHondurasHNPanamaPAColombiaCOCosta RicaCRUnited StatesUSArgentinaAREcuadorECUruguayUYParaguayPYPeruPEMexicoMXGuatemalaGTDominican RepublicDO
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

31
UkraineUAIranIRAlgeriaDZChinaCNNorth KoreaKPSudanSDIraqIQVenezuelaVESouth SudanSSBangladeshBDLibyaLYHaitiHTMozambiqueMZGuinea-BissauGWCongo - KinshasaCDSyriaSYLebanonLBMyanmar (Burma)MMCubaCUBelarusBYBhutanBTKenyaKENepalNPBurundiBIMoroccoMAPakistanPKSomaliaSOQatarQAYemenYEAfghanistanAFRussiaRU
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents can obtain Morse Card if they live in the United States and complete verification using an accepted U.S. identity document.
2. United Kingdom：Cannot apply，Can use，UK residents are outside the current 16-country card issuance program, but an eligible Morse Card issued elsewhere can still be used in the United Kingdom.
3. Canada：Cannot apply，Can use，Canadian residents are not included in the current card issuance countries, but eligible cards issued elsewhere can still be used in Canada.
4. Australia：Cannot apply，Can use，Australian residents are outside the current Morse Card issuance region, while existing eligible cardholders can still use the card in Australia.
5. South Africa：Cannot apply，Can use，South African residents are not currently included in the card issuance program, but the country is not subject to Morse Card’s geographic usage prohibition.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot currently obtain Morse Card because the country is outside the 16 supported issuance markets, but eligible cards can still be used locally.
7. Ireland：Cannot apply，Can use，Irish residents are outside the current card issuance countries, but Morse does not prohibit eligible cards issued elsewhere from being used in Ireland.

Updated: Sep 14, 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 photo ID / Driver's license

Review time / regional limits

Standard identity verification can be completed in minutes; anomalous documents go to database and manual compliance review.

KYC provider

Persona

Updated

Aug 14, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported9
Not supported3
UpdatedAug 14, 2026

Wallet payments

Alipay

Not supported

Aug 14, 2026

Wallet payments

Apple Pay

Supported

Aug 14, 2026

Cash services

ATM withdrawal

Not supported

Aug 14, 2026

AI tools

ChatGPT

Supported

Aug 14, 2026

AI tools

Claude

Supported

Aug 14, 2026

Wallet payments

Google Pay

Supported

Aug 14, 2026

AI tools

Midjourney

Supported

Aug 14, 2026

In-person payments

Offline POS

Supported

Aug 14, 2026

Online shopping

Online shopping

Supported

Aug 14, 2026

Wallet payments

PayPal

Supported

Aug 14, 2026

Subscriptions

Subscription payment

Supported

Aug 14, 2026

Wallet payments

WeChat Pay

Not supported

Aug 14, 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
John Wangecigoogle_play★ 5 / 5

Morse Google Play review - 5 star

Nice
Official reply
Thank you John!!
View original
Damian Gordongoogle_play★ 5 / 5

Morse Google Play review - 5 star

A wonderful application that provides so much versatility from just sending money to so much more.
View original
Snow Wilsongoogle_play★ 5 / 5

Morse Google Play review - 5 star

so far it's working.
View original
Omotoyosi Ogundirangoogle_play★ 5 / 5

Morse Google Play review - 5 star

good
View original
starcus evancegoogle_play★ 5 / 5

Morse Google Play review - 5 star

very safe 😊
View original
Kiprutogoogle_play★ 1 / 5

Morse Google Play review - 1 star

This app keeps changing theme colors, ogos every Tuesday. It's crazy
Official reply
Hi Kipruto, we've changed our name and color only once over the last couple years, to reflect the new direction we're going in with all of the features we've added lately! You still have all of the same functionality, just under a different icon.
View original
kigali rwandagoogle_play★ 5 / 5

Morse Google Play review - 5 star

Best 1🐷⭐️⭐️⭐️⭐️⭐️
View original
aman uelgoogle_play★ 5 / 5

Morse Google Play review - 5 star

Excellent app with low or free fee for most of it's services
View original
Yvonnegoogle_play★ 5 / 5

Morse Google Play review - 5 star

very good
View original
Punjabi World Travellergoogle_play★ 1 / 5

Morse Google Play review - 1 star

widrawl process is aweful and this app is also charge for deposit money in their morse account....bad experience..customer service is bad,they reply real late...
Official reply
Punjabi, we're sorry you had a bad experience. Fees are shown in the app before you confirm, so the full cost is visible ahead of time and there should be no unexpected charges. The withdrawal and the delay in the reply are separate and both worth a closer look. Message us in the app chat or write to support@morse.money again and we will follow up.
View original

Risk factors

Updated: Aug 14, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Morse Card require KYC?

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

Does Morse Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Morse Card with?

Our record lists Morse Card support for: USDT, USDC, BTC, ETH, and SOL.

Is Morse Card a virtual or a physical card?

Morse Card is offered as: Virtual card.

Where is Morse Card available?

Our record lists 16 countries or regions as available and 31 as restricted. Country-by-country status is in the regions section of this page.

Who issues Morse Card?

Morse Card is operated by Morse (Sling Money) on the Visa network.