Card database / Visa / Crypto debit card

NearPay Card

Updated: Sep 18, 2026

NearPay is a Web3 payment product connecting crypto assets with traditional payment systems. It provides crypto debit cards, a non-custodial wallet, and payment infrastructure services. Users can manage digital assets through the NearPay wallet and use a Visa card for everyday purchases. The project was initially positioned as a crypto payment gateway for the NEAR ecosystem and is now also developing Tap to Pay payment technology for merchants.

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Card network
Product type: Crypto debit card
Card form: Virtual card
Operating status: Paused
KYC level: Full KYC
Commercial relationship: No commercial relationship
Risk score: 80-89

Supported assets: USDTUSDCBTCETHSOLAVAXDOTMATICATOMEURGBPNENEAR
Last updated: Sep 18, 2026

Official and company information

Issuer identity and company credentials

NearPay is a historical crypto wallet and crypto card project built around the NEAR ecosystem, offering NearPay Wallet, fiat on-ramp, virtual Visa crypto cards, and planned physical card services. Historical records show the project was launched by Swiss Kikimora Labs, with service provider CPS Solutions OÜ in Estonia, registration number 16063623, registered address Tallinn, Meistri tn 16, and disclosed virtual currency exchange and wallet service license FVT000413. Currently, nearpay.co has insufficient verifiable information and may have redirected or undergone brand migration to the Munzen site.

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Company / issuer: NearPay
Legal name: CPS Solutions OÜ
Registered region: Estonia (EE)
Headquarters: Estonia
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

NearPay is a crypto payment platform for Web3 users, with the core objective of reducing barriers to using digital assets for real-world spending. Its early products included a crypto debit card connected to the NEAR ecosystem, enabling Visa network payments through the conversion of wallet balances. The NearPay virtual Visa crypto debit card was positioned as a crypto asset spending tool. Users could manage digital assets through a wallet and complete transactions with a Visa card in supported payment scenarios. The product was primarily intended for users seeking to use crypto assets for everyday payments. In addition to its spending card product, NearPay currently focuses on Tap to Pay payment infrastructure. Its SDK helps businesses turn NFC-enabled phones into payment terminals, allowing merchants to accept card payments without additional POS hardware. The company states that the service supports payment networks including Visa and Mastercard and complies with payment security standards including PCI DSS and PCI MPoC. NearPay Card and NearPay's current Tap to Pay infrastructure business have different product directions. Public information about the consumer card business is currently updated less frequently, while the payment infrastructure business is more active.

Visa card experienceRegional availabilityTerms may change

Notice: NearPay (nearpay.co) fully discontinued the issuance and top-up services for its consumer crypto cards (virtual cards/physical cards) in May 2023 and shifted to a B2B business model. Do not make further top-ups and withdraw any remaining assets from your account immediately.

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

	NNearPay Virtual Card
Card form	Virtual card
Fees
Monthly fee	1 EUR Charged monthly in card currency, €1 or £1/month
Card issuance fee	Free Free first issuance
ATM fee	—
Foreign exchange fee	—
Top-up fee	—
Failed 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 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

BelgiumBELatviaLVFinlandFIBulgariaBGSwedenSESloveniaSIItalyITLuxembourgLUCyprusCYCzechiaCZLiechtensteinLIGreeceGRRomaniaROFranceFRMaltaMTGermanyDEIcelandISAustriaATPortugalPTCroatiaHRSlovakiaSKSwitzerlandCHLithuaniaLTEstoniaEENorwayNOPolandPLIrelandIENetherlandsNLDenmarkDKSpainESUnited KingdomGBHungaryHU

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

CubaCUNorth KoreaKPUnited StatesUSSomaliaSOBelarusBYChinaCNIranIRRussiaRUAfghanistanAFSudanSDIraqIQYemenYESyriaSY

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Cannot apply，Cannot use，The original NearPay consumer card program has been discontinued, so no new cards are issued and former NearPay cards are no longer an active payment product.

2. United Kingdom：Cannot apply，Cannot use，The UK was part of NearPay’s former EEA/UK program, but the consumer card service has since been discontinued and the cards are no longer active.

3. Canada：Cannot apply，Cannot use，The NearPay consumer card program is no longer operating, so Canadian residents cannot obtain the card and there is no active NearPay card available for local use.

4. Australia：Cannot apply，Cannot use，NearPay’s former crypto card service has been discontinued, leaving no current issuance program or active card product for use in Australia.

5. South Africa：Cannot apply，Cannot use，The original NearPay Card is no longer an operating product, so residents cannot apply and former cards are no longer supported for payments.

6. New Zealand：Cannot apply，Cannot use，NearPay has discontinued its consumer crypto card program, so there is currently no card available to obtain or use in New Zealand.

7. Ireland：Cannot apply，Cannot use，Ireland was eligible under the former EEA program, but NearPay’s consumer card service has been discontinued and previously issued cards are no longer an active product.

Updated: Sep 15, 2026

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 / Proof of residence / Bank or credit card statement / Utility bill

Review time / regional limits

Automated review can be completed instantly; if documents are abnormal, manual review is triggered and may extend to one day.

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

Supported2

Not supported10

UpdatedAug 3, 2026

Wallet payments

Alipay

Not supported

Aug 3, 2026

Wallet payments

Apple Pay

Not supported

Aug 3, 2026

Cash services

ATM withdrawal

Not supported

Aug 3, 2026

AI tools

ChatGPT

Not supported

Aug 3, 2026

AI tools

Claude

Not supported

Aug 3, 2026

Wallet payments

Google Pay

Not supported

Aug 3, 2026

AI tools

Midjourney

Not supported

Aug 3, 2026

In-person payments

Offline POS

Not supported

Aug 3, 2026

Online shopping

Supported

Aug 3, 2026

Wallet payments

PayPal

Not supported

Aug 3, 2026

Subscriptions

Subscription payment

Supported

Aug 3, 2026

Wallet payments

WeChat Pay

Not 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

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No approved reviews

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Risk factors

Updated: Jul 21, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does NearPay Card require KYC?

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

Does NearPay Card support Apple Pay and Google Pay?

Apple Pay: Not supported. Google Pay: Not supported.

Which assets can I top up NearPay Card with?

Our record lists NearPay Card support for: USDT, USDC, BTC, ETH, SOL, AVAX, DOT, and MATIC (12 in total).

Is NearPay Card a virtual or a physical card?

NearPay Card is offered as: Virtual card.

Where is NearPay Card available?

Our record lists 32 countries or regions as available and 13 as restricted. Country-by-country status is in the regions section of this page.

Who issues NearPay Card?

NearPay Card is operated by NearPay on the Visa network.