Available regions
Applications or normal card activation are supported
No Open Regions
- Evidence
- Officially supported
Card database / Mastercard / Visa / Crypto prepaid card
S
Spendly Card
Updated: Jul 28, 2026
The Spendly Card is a crypto virtual prepaid card product introduced by Spendly Inc. Users can use digital assets including USDT, USDC, BTC, ETH, SOL, and LTC to create a US dollar card balance and spend online through the Visa or Mastercard network. The product focuses on virtual cards, does not require standard identity verification, uses a one-time card issuance model, and supports mobile wallets including Apple Pay and Google Pay. The main domain is currently parked, so new card application services should not be regarded as operating normally.
Official and company information
Issuer identity and company credentials
Spendly was a virtual card service platform supporting crypto top-ups. Users could quickly open Visa/Mastercard virtual cards using USDT and other digital assets, widely used for overseas SaaS subscriptions, AI tools, and cross-border ad spending. The platform relied on licensed institutions like Wallester for card issuance and clearing, but later ceased operations entirely due to compliance risks and card BIN retirement.
- Company / issuer
- Spendly
- Legal name
- Spendly
- Registered region
- United States (US)
- Headquarters
- OriginalUnited States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Spendly works by having users select a card amount and pay with a supported crypto asset. The platform converts the digital asset into a USD card balance and then generates a virtual prepaid card. The official terms state that cards may use the Visa or Mastercard network depending on the specific program. The minimum top-up for an international Mastercard is USD 10, the maximum load amount is USD 10,000, and the card remains valid for 12 months after issuance. ATM cash withdrawals are expressly unavailable. Spendly accesses issuance infrastructure through Obsidian.Cards, which in turn provides the actual card service through partner licensed financial institutions. The homepage of Spendly's primary domain currently displays a Namecheap domain auction page, although the login portal and card-issuance subdomain remain accessible. The product therefore faces a clear operational continuity risk.
Mastercard / Visa card experienceRegional availabilityTerms may change
Notice: Spendly Card formally ceased operations in the first half of 2026. The platform's No-KYC virtual card service is now entirely unavailable. Take care to protect your assets.
Card variants and fee differences
Compare verified fee records across card forms and tiers
S Spendly Card | |
|---|---|
| Card form | Virtual card |
| Fees | |
| Monthly fee | Free The official website states that no subscription fee is required. |
| Card issuance fee | 7 USD Creation fee per card. |
| ATM fee | — |
| Foreign exchange fee | — |
| Top-up fee | 4.5% BTC and ETH may incur additional fees. |
| 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 China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：不支持中国大陆居民凭身份证申请开卡，但已持卡用户可在全球支持Visa和Mastercard的线上商户正常消费使用
2、香港：支持持有效护照及合规身份证明的香港居民申请开卡，并允许在海内外大部分线上场景与订阅服务中正常支付使用
3、澳门：支持持有效国际护照的澳门居民提交KYC开卡，并在全球各线上平台及软件订阅中正常支付与消费使用
4、台湾：支持持有效护照及合规证件的台湾居民申请开立虚拟卡，并在全球支持卡组织的商户平台正常使用消费
Updated: Jul 21, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
NoNot requiredKYC level
No-KYC claimRequirement confirmedProof of address
NoNot requiredAccepted documents
Standard virtual card flow claims no ID submission is required, but the issuer and compliance partners may request identity verification after triggering regulatory or risk-control conditions.
Review time / regional limits
Standard virtual cards have no routine identity verification; additional verification may be required if anomalies or compliance triggers occur.
KYC provider
Obsidian.Cards
Updated
Jul 28, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported5
Not supported7
UpdatedJul 28, 2026
Wallet payments
Alipay
Not supported
Jul 28, 2026
Wallet payments
Apple Pay
Supported
Jul 28, 2026
Cash services
ATM withdrawal
Not supported
Jul 28, 2026
AI tools
ChatGPT
Not supported
Jul 28, 2026
AI tools
Claude
Not supported
Jul 28, 2026
Wallet payments
Google Pay
Supported
Jul 28, 2026
AI tools
Midjourney
Not supported
Jul 28, 2026
In-person payments
Offline POS
Supported
Jul 28, 2026
Online shopping
Online shopping
Supported
Jul 28, 2026
Wallet payments
PayPal
Not supported
Jul 28, 2026
Subscriptions
Subscription payment
Supported
Jul 28, 2026
Wallet payments
WeChat Pay
Not supported
Jul 28, 2026
User reviews
Showing 2 approved reviews matched to this card
Tuyệt vời
Ứng dụng tuyệt vời.
View original Good for checking money spent
- UI/UX is friendly for users
View original Risk factors
Updated: Jul 28, 2026
No risk factors are available