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Topnod Card

Updated: Aug 18, 2026

TopNod Card is a self-custody Mastercard debit card jointly offered by TopNod and Swiss financial infrastructure platform UR. Through the TopNod App, users can manage on-chain digital assets, RWA returns and multi-currency accounts, convert supported assets such as USDC, BTC, ETH and SOL into spendable fiat currency, and pay Mastercard merchants worldwide directly. The card is connected to a verified UR account and also provides stablecoin deposits and withdrawals, a Swiss IBAN and other financial account capabilities.
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Card network
Mastercard
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
USDT / USDC / BTC / ETH / SOL
Last updated
Aug 18, 2026

Official and company information

Issuer identity and company credentials

TopNod is a non-custodial Web3 wallet platform for everyday users. It supports multi-chain digital assets, tokenized gold and silver, real-world asset access such as stocks and ETFs, on-chain swaps, and DeFi yield products. The platform uses wallet technologies like sharded keys and trusted execution environments, and integrates fiat accounts and Mastercard spending through third-party service providers. Kairo Company Limited operates the wallet app and technology platform; card and regulated payment services are provided by UR and its related licensed entities.
Visit website Application page
Company / issuer
TopNod
Legal name
Kairo Company Limited
Registered region
Hong Kong (HK)
Headquarters
Hong Kong, China
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

TopNod is a non-custodial multi-chain asset wallet supporting gold, silver, tokenized securities, stablecoins, and other digital assets. TopNod Card connects the wallet to regulated accounts, foreign exchange, and Mastercard payments through UR's Account Layer. After completing UR KYC, users receive a named on-chain financial account and a virtual Mastercard and can convert more than 20 digital assets into fiat balances such as USD, EUR, CHF, and JPY. USDC and USD support 1:1 conversion with no deposit or withdrawal fees. The current UR card is virtual only and supports automatic multi-currency debiting, 3D Secure, Apple Pay, Google Pay, Alipay, and WeChat Pay, with different spending limits for Basic, Pro, and other tiers.
Mastercard 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

TopNod x UR co-branded virtual debit card
Card formVirtual card
Fees
Monthly fee—
Card issuance fee—
ATM fee—
Foreign exchange fee
Free
0% for same currency, cross-currency fee of 0%–2%
Top-up fee
Free
Settled 1:1 in USDC
Failed transaction fee—
Rewards
Cashback—
Crypto cashback—
Staking rewards—
Staking APR—
Welcome bonus—
Referral bonus—
Limits
Daily spending limit
2,000 EUR
Varies by account tier, limit 2,000–10,000 EUR
Monthly spending limit
5,000 EUR
Varies by account tier, limit 5,000–20,000 EUR
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.

Available regions

Applications or normal card activation are supported

45
CroatiaHRNorwayNOFaroe IslandsFOItalyITTaiwanTWDenmarkDKCanadaCAGreeceGRSvalbard & Jan MayenSJEstoniaEEUnited KingdomGBRéunionREBrazilBRSlovakiaSKIrelandIEAustriaATGermanyDESwitzerlandCHCyprusCYIcelandISFranceFRLatviaLVNew ZealandNZFinlandFISingaporeSGBulgariaBGNetherlandsNLJapanJPSwedenSECzechiaCZHungaryHULiechtensteinLISouth KoreaKRBelgiumBESloveniaSIHong KongHKRomaniaROLithuaniaLTMalaysiaMYPolandPLPortugalPTUnited Arab EmiratesAELuxembourgLUSpainESAustraliaAU
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

200
CambodiaKHNorthern Mariana IslandsMPParaguayPYUgandaUGEquatorial GuineaGQNorth KoreaKPKazakhstanKZVenezuelaVEMauritiusMUKenyaKEVatican CityVASint MaartenSXVietnamVNTogoTGNamibiaNAKyrgyzstanKGLaosLALebanonLBSenegalSNAngolaAOTokelauTKCôte d’IvoireCIPakistanPKSan MarinoSMQatarQAAndorraADGuineaGNBotswanaBWZambiaZMIndonesiaIDCayman IslandsKYIranIRCentral African RepublicCFGibraltarGIArubaAWGuadeloupeGPAlgeriaDZEswatiniSZBhutanBTNew CaledoniaNCNorth MacedoniaMKWestern SaharaEHEl SalvadorSVTanzaniaTZKiribatiKIGambiaGMJamaicaJMFalkland Islands (Islas Malvinas)FKIndiaINCongo - BrazzavilleCGSt. Vincent & GrenadinesVCJordanJOTongaTOSt. HelenaSHNepalNPBeninBJMalawiMWLiberiaLRMontserratMSBurundiBICook IslandsCKNiueNUDjiboutiDJAnguillaAISierra LeoneSLTürkiyeTRTuvaluTVSt. Pierre & MiquelonPMWallis & FutunaWFIraqIQEritreaERMauritaniaMRCubaCUFrench GuianaGFGuinea-BissauGWBruneiBNTurkmenistanTMBouvet IslandBVMontenegroMEHaitiHTGuatemalaGTMoldovaMDPuerto RicoPRAlbaniaALMoroccoMASaudi ArabiaSAAmerican SamoaASEcuadorECCuraçaoCWEthiopiaETPapua New GuineaPGTrinidad & TobagoTTCongo - KinshasaCDThailandTHComorosKMPanamaPANicaraguaNIDominican RepublicDOMacaoMONigerNEBritish Virgin IslandsVGSudanSDSurinameSROmanOMMaldivesMVMonacoMCPeruPEBahamasBSMozambiqueMZSouth SudanSSSomaliaSOPalauPWTimor-LesteTLSolomon IslandsSBSt. Kitts & NevisKNLesothoLSSouth Georgia & South Sandwich IslandsGSDominicaDMIsle of ManIMMongoliaMNGeorgiaGEIsraelILArmeniaAMCape VerdeCVSt. MartinMFGhanaGHColombiaCOVanuatuVUUruguayUYBelizeBZUkraineUAHondurasHNFrench PolynesiaPFFijiFJMaltaMTBahrainBHCaribbean NetherlandsBQNigeriaNGZimbabweZWSt. BarthélemyBLCameroonCMGuamGUSeychellesSCBoliviaBOGuernseyGGBritish Indian Ocean TerritoryIOAzerbaijanAZGuyanaGYAntarcticaAQPhilippinesPHEgyptEGYemenYESouth AfricaZASamoaWSRussiaRUChadTDRwandaRWUzbekistanUZHeard & McDonald IslandsHMMayotteYTBurkina FasoBFSerbiaRSBermudaBMTunisiaTNKuwaitKWMarshall IslandsMHU.S. Outlying IslandsUMGrenadaGDBelarusBYChileCLCosta RicaCRChinaCNBangladeshBDNorfolk IslandNFPitcairn IslandsPNU.S. Virgin IslandsVITurks & Caicos IslandsTCNauruNRUnited StatesUSSri LankaLKMexicoMXArgentinaARFrench Southern TerritoriesTFSão Tomé & PríncipeSTLibyaLYMyanmar (Burma)MMMaliMLAntigua & BarbudaAGTajikistanTJJerseyJEChristmas IslandCXMadagascarMGBarbadosBBGreenlandGLSt. LuciaLCGabonGAMartiniqueMQAfghanistanAFSyriaSYBosnia & HerzegovinaBA
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：当前不可申请，UR 已于 2026 年将中国大陆列入不支持开户地区；其他支持地区获卡用户仍可在接受 Mastercard 的合规商户消费。

2、香港：属于当前官方支持开户及发卡地区，符合居民、国籍和 NFC 证件要求即可申请；获卡后支持线上及移动钱包支付。

3、澳门：当前不可申请，澳门已被 UR 列入不支持开户地区；其他合资格地区取得的 TopNod Mastercard 可按卡组织受理范围消费。

4、台湾：属于当前官方支持地区，符合 KYC 条件的台湾居民可申请；获卡后可用于线上购物、订阅及数字钱包线下支付。

Updated: Aug 18, 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

Full KYCRequirement confirmed

Proof of address

NoNot required

Accepted documents

Biometric passport / National ID card with NFC chip

Review time / regional limits

Routine completion takes about 15 minutes; additional identity or compliance checks take up to about three business days.

KYC provider

ReadID

Updated

Aug 18, 2026

Payment compatibility

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

Compatibility overview0 scenarios
Supported0
Not supported0
UpdatedUnconfirmed

No confirmed payment-compatibility data

User reviews

Showing 10 approved reviews matched to this card

Newest first
Easony Happ_store★ 5 / 5

Amazing Trading and Saving Opportunities

Very easy to use, helped me to do a lot of saving and earning
View original
sHaKiL hAsAngoogle_play★ 1 / 5

TopNod: Gold, Silver & RWAs Google Play review - 1 star

Don't trajection this app totally scam apps i can't receive spin paymnet i Will work properly but no payment so be carefull scam this
Official reply
Sorry for the frustration. Rewards follow each campaign's published criteria. If you believe yours was assessed incorrectly, open a Discord ticket with your UID and campaign name for an individual review. We never ask for your password or seed phrase.
View original
Mohamed Masthan Kanigoogle_play★ 5 / 5

TopNod: Gold, Silver & RWAs Google Play review - 5 star

100%👍💯⛏️
View original
Gabriel Igedugoogle_play★ 1 / 5

TopNod: Gold, Silver & RWAs Google Play review - 1 star

i did the gold hold event and didn't get my 5.5 dollar reward I contacted support and they ignored me 😩 bad others got paid I got ignored . and now your still snubbing my emails and dms again 😭😭
Official reply
Hi Gabriel, sorry for the experience. Your reward may have been held for an additional eligibility review. We opened re-verification yesterday for affected users. Please share your Discord ticket number, we’ll prioritize your case and issue the reward if eligibility is confirmed.
View original
Md.Serajul Islamgoogle_play★ 5 / 5

TopNod: Gold, Silver & RWAs Google Play review - 5 star

nice
View original
Chitro ROYgoogle_play★ 4 / 5

TopNod: Gold, Silver & RWAs Google Play review - 4 star

please Fix Your Prediction Bug's
Official reply
Hi Chitro, thanks for flagging this and we'd like to get it fixed quickly. Could you share more about the issue? If you have a Discord support ticket, send us the number and we'll pull it up right away. You can also email us at support@topnod.com. Please Note: we'll never message you first or ask for your access code, seed phrase, or private key.
View original
King Inimgoogle_play★ 5 / 5

TopNod: Gold, Silver & RWAs Google Play review - 5 star

Topnod is a wallet with top notch user experience, saying as have had the experience I really think no one should be out there without Getting their Topnod app active !
View original
RDX OPgoogle_play★ 4 / 5

TopNod: Gold, Silver & RWAs Google Play review - 4 star

satisfied
View original
Md Habibur Sardargoogle_play★ 5 / 5

TopNod: Gold, Silver & RWAs Google Play review - 5 star

super app
View original

Risk factors

Updated: Aug 18, 2026

No risk factors are available