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: Sep 17, 2026
Spendly Card was a product that allowed users to purchase and generate USD-denominated virtual prepaid cards using crypto assets. Users would select a desired card value and pay using digital assets such as USDT, USDC, BTC, ETH, SOL, or LTC; the platform would then generate a virtual card with a corresponding fiat balance, rather than directly connecting to a personal wallet or deducting funds from on-chain assets in real-time during transactions.
- Card network
- Product type
- Crypto prepaid card
- Card form
- Virtual card
- Operating status
- Discontinued
- KYC level
- No-KYC claim
- Commercial relationship
- No commercial relationship
- Risk score
- 40-49
- Supported assets
USDT
USDC
BTC
ETH
SOL
LTC- Last updated
- Sep 17, 2026
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
- United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Spendly utilizes a standalone virtual card model rather than allowing direct spending from exchange accounts, bank accounts, or self-custody wallets. Users must first transfer supported crypto assets to the platform; the platform then converts these assets to generate a virtual prepaid card with a pre-set USD balance, meaning there is an intermediate step involving asset conversion and card funding. A key feature of the product is the ability to generate individual virtual cards on demand, as opposed to maintaining a single, long-term master account. Spendly’s primary domain and original card-issuance services are currently inaccessible, and available public information shows no signs of a migrated product or a restored official application portal.
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.
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
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 language support
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
Availability in English-Speaking Markets
1. United States：Cannot apply，Cannot use，Spendly is no longer operating its card service, so U.S. residents cannot obtain a new card and previously issued Spendly cards are no longer supported for payments.
2. United Kingdom：Cannot apply，Cannot use，Spendly’s card program is no longer operational, so UK residents cannot apply for the card and previously issued cards can no longer be used.
3. Canada：Cannot apply，Cannot use，The Spendly Card service has ceased operating, leaving Canadian residents unable to obtain a card or use previously issued Spendly cards.
4. Australia：Cannot apply，Cannot use，Spendly no longer operates an active card issuance or payment service, so Australian residents cannot apply for or use the card.
5. South Africa：Cannot apply，Cannot use，The Spendly Card program has been discontinued, so South African residents cannot obtain a new card and legacy cards are no longer operational.
6. New Zealand：Cannot apply，Cannot use，Spendly’s card service is no longer active, so New Zealand residents cannot apply and previously issued cards are no longer supported for payments.
7. Ireland：Cannot apply，Cannot use，The Spendly Card program has ceased operating globally, so Irish residents cannot obtain the card or continue using previously issued cards.
Updated: Sep 16, 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
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 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
Frequently asked questions
Answers drawn from the published record on this page.
Does Spendly Card require KYC?
Our record lists the Spendly Card verification requirement as: No-KYC claim. Document and review details are in the KYC section of this page.
Does Spendly Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up Spendly Card with?
Our record lists Spendly Card support for: USDT, USDC, BTC, ETH, SOL, and LTC.
Is Spendly Card a virtual or a physical card?
Spendly Card is offered as: Virtual card.
Where is Spendly Card available?
Our record lists 1 countries or regions as available and 1 as restricted. Country-by-country status is in the regions section of this page.
Who issues Spendly Card?
Spendly Card is operated by Spendly on the Mastercard / Visa network.