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Oppi Card

Updated: Aug 26, 2026

Oppi Card is a crypto payment card service provided by Oppi Wallet. It operates on a top-up-and-spend model, where users can top up their card balance with supported crypto assets from a self-custody wallet, and the system converts the assets before use for everyday payments. The product offers both a Mastercard virtual card and a Visa physical card, covering online shopping, subscriptions, mobile wallet contactless payments, in-store purchases, and ATM use with the physical card. It is integrated with Oppi Wallet's multi-chain asset management features.
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Card network
Mastercard / Visa
Product type
Crypto prepaid card
Card form
Virtual card / Physical card
Operating status
Active
KYC level
Tiered KYC
Commercial relationship
No commercial relationship
Risk score
50-59
Supported assets
USDT / USDC / BTC / ETH / BNB / SOL / TRX / LINK / DAI / UNI
Last updated
Aug 26, 2026

Official and company information

Issuer identity and company credentials

Oppi Wallet is a crypto fintech platform operated by ENCOIN LTD in the UK, primarily offering multi-chain self-custody crypto wallet, digital asset exchange, virtual and physical crypto payment cards, and crypto travel payment services. Users can control their wallet private keys and use Mastercard virtual cards or Visa physical cards for daily spending by topping up crypto assets. ENCOIN LTD is a private limited company registered in the UK; the Oppi Wallet website claims to hold VASP compliance certification.
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Company / issuer
Oppi Wallet
Legal name
ENCOIN LTD
Registered region
United Kingdom (GB)
Headquarters
London, United Kingdom
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

The Oppi Card is part of the Oppi Wallet self-custody wallet system. Users control their private keys within the wallet. Card functionality requires identity verification, and before spending, users must top up the card with supported assets such as BTC, ETH, USDT, USDC, and SOL in specified amounts. Upon top-up, assets are converted into spendable card balance, which is then settled through traditional card network rails. The current core products are a Mastercard virtual card and a Visa physical card, which share the same card balance. The virtual card is suitable for online shopping, digital subscriptions, and contactless payments via Apple Pay and Google Pay. The physical card is intended for traditional POS merchants and ATMs. Oppi also offers flight and hotel booking within the app, and in 2026, it will introduce Oppi Points, a loyalty program that can be redeemed for virtual or physical card top-up balance.
Mastercard / 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

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Oppi virtual card
Oppi physical crypto card
Card formVirtual cardPhysical card
Fees
Monthly fee
Free
No ongoing monthly fee
—
Card issuance fee
10 USD
Refund 5 USD card balance
—
ATM fee——
Foreign exchange fee
2.25%
For non-USD currency spending, the fee is 2%–2.5%
—
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
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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

52
EstoniaEENetherlandsNLCzechiaCZMaltaMTRomaniaROSwitzerlandCHPhilippinesPHHungaryHUIcelandISLuxembourgLUDenmarkDKFinlandFISlovakiaSKItalyITBelgiumBEAustraliaAUGreeceGRArgentinaARUnited Arab EmiratesAEMexicoMXUnited KingdomGBColombiaCOJapanJPCyprusCYHong KongHKPortugalPTGermanyDEThailandTHLatviaLVIndonesiaIDSouth KoreaKRChileCLBrazilBRSpainESIrelandIETürkiyeTRAustriaATLithuaniaLTIndiaINSloveniaSISingaporeSGCroatiaHRMalaysiaMYSwedenSEUnited StatesUSCanadaCANorwayNOFranceFRBulgariaBGNew ZealandNZPolandPLPeruPE
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

12
UkraineUANigeriaNGVenezuelaVESyriaSYSouth AfricaZAIranIRRussiaRUNorth KoreaKPEgyptEGMyanmar (Burma)MMBangladeshBDCubaCU
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：申请受限，Oppi 官方受限地区政策未将中国大陆列为禁止地区,申请虚拟卡需要完成 KYC；已持卡可在支持 Mastercard/Visa 的商户使用，但部分本地钱包与跨境交易场景受限。

2、香港：可申请，完成KYC后可开卡；虚拟 Mastercard 可用于线上及 Apple Pay，实体 Visa 可线下消费和ATM取现。

3、澳门：申请受限，需通过应用内地区资格及KYC校验；已持卡可在支持 Mastercard/Visa 的线上线下商户消费，钱包绑定受地区规则限制。

4、台湾：申请受限，需通过应用内地区资格及KYC校验；已持卡可在支持 Mastercard/Visa 的商户使用，移动钱包及部分跨境交易存在地区限制。

Updated: Aug 26, 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

Tiered KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / National ID card / Driver's license

Review time / regional limits

Automatic review is usually completed within minutes; abnormal documents will go through manual review.

KYC provider

Undisclosed

Updated

Aug 26, 2026

Payment compatibility

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

Compatibility overview12 scenarios
Supported7
Not supported5
UpdatedAug 26, 2026

Wallet payments

Alipay

Not supported

Aug 26, 2026

Wallet payments

Apple Pay

Supported

Aug 26, 2026

Cash services

ATM withdrawal

Supported

Aug 26, 2026

AI tools

ChatGPT

Supported

Aug 26, 2026

AI tools

Claude

Not supported

Aug 26, 2026

Wallet payments

Google Pay

Supported

Aug 26, 2026

AI tools

Midjourney

Not supported

Aug 26, 2026

In-person payments

Offline POS

Supported

Aug 26, 2026

Online shopping

Online shopping

Supported

Aug 26, 2026

Wallet payments

PayPal

Not supported

Aug 26, 2026

Subscriptions

Subscription payment

Supported

Aug 26, 2026

Wallet payments

WeChat Pay

Not supported

Aug 26, 2026

User reviews

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Risk factors

Updated: Aug 26, 2026

No risk factors are available