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Topnod Card

Updated: Sep 29, 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
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
USDTUSDCBTCETHSOL
Last updated
Sep 29, 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 wallet centered on RWA, stablecoin, and on-chain asset management. It uses sharded key management, meaning user assets and private keys are not centrally custodied by the platform. TopNod Card extends this wallet system into real-world payment scenarios and is currently offered primarily as a virtual card, with payment functionality provided through partner card infrastructure. Its product logic differs from the common “fund the card account first, then spend” model: stablecoins generally remain in the user’s self-custody wallet until a card transaction occurs, at which point the corresponding amount is processed. As a result, there is no long-term, separate prepaid card balance layer between wallet asset management and spending funds. The card is currently focused mainly on the United Kingdom and European Economic Area markets.
Mastercard 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

TopNod x UR Co-Branded Mastercard
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 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

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

Availability in English-Speaking Markets

1. United States：Cannot apply，Can use，U.S. residents cannot complete the UR onboarding required for TopNod Card, and U.S. nationality is also restricted from KYC; cards issued to eligible users elsewhere can still be used for permitted purchases in the United States.
2. United Kingdom：Can apply，Can use，UK residents are included in UR’s supported countries and can obtain TopNod Card after completing KYC with a supported biometric passport or eligible identity document.
3. Canada：Can apply，Can use，Canadian residents are explicitly included in the supported onboarding countries and can obtain the card after completing the required UR identity verification.
4. Australia：Can apply，Can use，Australian residents are within the supported TopNod/UR onboarding area and can obtain the card after completing the required KYC.
5. South Africa：Cannot apply，Can use，South Africa is explicitly excluded from UR onboarding, but a TopNod Card already issued to an eligible user in a supported country can still be used locally for permitted purchases.
6. New Zealand：Can apply，Can use，New Zealand residents are included in UR’s supported countries and can obtain the card after completing the required identity verification.
7. Ireland：Can apply，Can use，Irish residents are within the supported onboarding area and can obtain TopNod Card after completing the required KYC.

Updated: Sep 13, 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

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 10 approved reviews matched to this card

Newest first
Kawsar Habibgoogle_play★ 2 / 5

TopNod: Gold, Perps & Wallet Google Play review - 2 star

Its a withdraw & transaction problem, when i withdraw my money it say, transaction failed, swap failed
View original
Balamgoogle_play★ 5 / 5

TopNod: Gold, Perps & Wallet Google Play review - 5 star

nice
View original
MohzannahTech0google_play★ 5 / 5

TopNod: Gold, Perps & Wallet Google Play review - 5 star

Best wallet so far
View original
Vincent Tony c.google_play★ 5 / 5

TopNod: Gold, Perps & Wallet Google Play review - 5 star

clean and smooth UIX plus a user friendly interface,this is the GO-TO wallet for all EVM networks and they keep improving. Don't take my word for it, download the app and see for yourself
View original
H M Nuruddingoogle_play★ 5 / 5

TopNod: Gold, Perps & Wallet Google Play review - 5 star

good apps
View original
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

Risk factors

Updated: Aug 18, 2026

No risk factors are available

Frequently asked questions

Answers drawn from the published record on this page.

Does Topnod Card require KYC?

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

Which assets can I top up Topnod Card with?

Our record lists Topnod Card support for: USDT, USDC, BTC, ETH, and SOL.

Is Topnod Card a virtual or a physical card?

Topnod Card is offered as: Virtual card.

Where is Topnod Card available?

Our record lists 45 countries or regions as available and 200 as restricted. Country-by-country status is in the regions section of this page.

Who issues Topnod Card?

Topnod Card is operated by TopNod on the Mastercard network.