Card database / Mastercard / Visa / Crypto prepaid card

Oppi Card

Updated: Sep 29, 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
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: USDTUSDCBTCETHBNBSOLTRXLINKDAIUNI
Last updated: Sep 29, 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.

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

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	OOppi Virtual Card	OPhysical Crypto Card
Card form	Virtual card	Physical 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 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

EstoniaEENetherlandsNLCzechiaCZMaltaMTRomaniaROSwitzerlandCHPhilippinesPHHungaryHUIcelandISLuxembourgLUDenmarkDKFinlandFISlovakiaSKItalyITBelgiumBEAustraliaAUGreeceGRArgentinaARUnited Arab EmiratesAEMexicoMXUnited KingdomGBColombiaCOJapanJPCyprusCYHong KongHKPortugalPTGermanyDEThailandTHLatviaLVIndonesiaIDSouth KoreaKRChileCLBrazilBRSpainESIrelandIETürkiyeTRAustriaATLithuaniaLTIndiaINSloveniaSISingaporeSGCroatiaHRMalaysiaMYSwedenSEUnited StatesUSCanadaCANorwayNOFranceFRBulgariaBGNew ZealandNZPolandPLPeruPE

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

UkraineUANigeriaNGVenezuelaVESyriaSYSouth AfricaZAIranIRRussiaRUNorth KoreaKPEgyptEGMyanmar (Burma)MMBangladeshBDCubaCU

Evidence: Officially restricted

Unconfirmed regions

Evidence is insufficient

No records

Evidence: Public sources

Availability in English-Speaking Markets

1. United States：Can apply，Can use，U.S. residents are covered by Oppi’s current card service and can obtain the card after completing the required identity verification.

2. United Kingdom：Can apply，Can use，UK residents are within Oppi’s current global card coverage and must complete KYC before card features are enabled.

3. Canada：Can apply，Can use，Canadian residents are covered by Oppi’s current card service and can obtain the card after completing the required identity verification.

4. Australia：Can apply，Can use，Australian residents are within Oppi’s global card rollout and must pass the required KYC before obtaining the card.

5. South Africa：Cannot apply，Cannot use，Oppi lists South Africa among jurisdictions where crypto cards are unavailable and card payments will not be processed because of regulatory restrictions.

6. New Zealand：Can apply，Can use，New Zealand residents are within Oppi’s global card coverage and can obtain the card after completing the required identity verification.

7. Ireland：Can apply，Can use，Irish residents are within Oppi’s current global card coverage and must complete KYC before card features are enabled.

Updated: Sep 13, 2026

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

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

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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Risk factors

Updated: Aug 26, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Oppi Card require KYC?

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

Does Oppi Card support Apple Pay and Google Pay?

Apple Pay: Supported. Google Pay: Supported.

Which assets can I top up Oppi Card with?

Our record lists Oppi Card support for: USDT, USDC, BTC, ETH, BNB, SOL, TRX, and LINK (10 in total).

Is Oppi Card a virtual or a physical card?

Oppi Card is offered as: Virtual card and Physical card.

Where is Oppi Card available?

Our record lists 52 countries or regions as available and 12 as restricted. Country-by-country status is in the regions section of this page.

Who issues Oppi Card?

Oppi Card is operated by Oppi Wallet on the Mastercard / Visa network.