Card database / Mastercard / Visa / Stablecoin payment card

XHYPE Card

Updated: Aug 28, 2026

OriginalXHYPE Card 又称 XKard，是由 XHYPE FZCO 运营的 USDT 虚拟预付卡。用户通过 TRC20 或 BEP20 网络存入 USDT，再将余额充值至虚拟卡，用于国际线上购物、手机非接触支付及其他接受 Visa 或 Mastercard 的消费场景。产品提供 Essential、Premium 和 Whale 三个等级，主要区别在于年度充值额度、充值费率、赠送余额、积分及客服等级。

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Confirmed unavailable on App Store

Card network

Mastercard / Visa

Product type

Stablecoin payment card

Card form

Virtual card

Operating status

Active

KYC level

No-KYC claim

Commercial relationship

No commercial relationship

Risk score

50-59

Supported assets

USDT

Last updated

Aug 28, 2026

Official and company information

Issuer identity and company credentials

The XKard brand and technology platform are operated by XHYPE FZCO, located in Dubai Silicon Oasis, United Arab Emirates. XHYPE FZCO provides the account interface, crypto asset top-up portal, and card management features, but explicitly states in its terms of service that it is not a card issuer and does not directly manage card funds. Card services are issued and operated by third-party licensed financial service providers in jurisdictions such as Hong Kong, China. The specific issuer name, license number, and custodian entity are not disclosed in current public terms.

Visit website Application page

Company / issuer: Xkard
Legal name: Xkard
Registered region: Unconfirmed
Headquarters: Unconfirmed
Company type: Fintech
Verification status: Verified
Issuer website: Official link
Application page: Application link

Card overview

Original用户使用邮箱验证码注册 XKard 账户，可选择绑定手机号、设置交易密码及 Google Authenticator 双重验证。充值时，用户将 USDT 通过 Tron TRC20 或 BNB Smart Chain BEP20 网络转入平台资产地址，再把账户余额充值到所选虚拟卡中。卡片余额在消费时转换为法币结算，可用于国际线上商户，也可加入 Apple Pay 或 Google Pay，在支持非接触支付的实体商户使用。 XKard 当前采用按卡片等级购买的模式，每张卡独立选择 Essential、Premium 或 Whale 方案，并具有独立年度充值额度。平台允许用户申请多张卡，达到单张卡年度额度后，可以等待额度周期重置或购买另一张卡。当前公开产品均为即时交付的虚拟预付卡，不提供实体卡和 ATM 现金提取。

Mastercard / Visa 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

Drag or swipe anywhere in the table to view every card; labels stay fixed

	XXHYPE Essential Card	XXHYPE Premium Card	XXHYPE Whale Card
Card form	Virtual card	Virtual card	Virtual card
Fees
Monthly fee	9 USD Charged annually, totaling $108 per year	19 USD Charged annually, totaling $228 per year	49 USD Charged annually, totaling $588 per year
Card issuance fee	—	—	—
ATM fee	—	—	—
Foreign exchange fee	—	—	—
Top-up fee	4.5% Charged for each top-up	3.5% Charged for each top-up	2.3% Charged for each top-up
Failed transaction fee	—	—	—
Rewards
Cashback	—	—	—
Crypto cashback	—	—	—
Staking rewards	—	—	—
Staking APR	—	—	—
Welcome bonus	5 USD New card provided instantly	10 USD New card provided instantly	40 USD New card provided instantly
Referral bonus	15% 15% of invitee top-up fees, refunded in USDT for life	15% 15% of invitee top-up fees, refunded in USDT for life	15% 15% of invitee top-up fees, refunded in USDT for life
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 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

222

LebanonLBSierra LeoneSLNorwayNOMoldovaMDSouth KoreaKRSenegalSNSamoaWSMozambiqueMZPhilippinesPHFranceFRIsraelILBurkina FasoBFMartiniqueMQTurks & Caicos IslandsTCTaiwanTWTimor-LesteTLVanuatuVUMontenegroMEZimbabweZWNauruNRBrazilBRSingaporeSGMarshall IslandsMHCosta RicaCRCongo - KinshasaCDThailandTHAzerbaijanAZKyrgyzstanKGMauritaniaMRSt. LuciaLCBotswanaBWTunisiaTNAlgeriaDZGambiaGMBeninBJMalawiMWNew CaledoniaNCGreenlandGLCayman IslandsKYU.S. Virgin IslandsVIBelgiumBEPolandPLIrelandIETanzaniaTZIcelandISNetherlandsNLDjiboutiDJAmerican SamoaASFrench GuianaGFBermudaBMNigerNEEritreaERZambiaZMEstoniaEEPapua New GuineaPGSri LankaLKJamaicaJMGuinea-BissauGWTongaTOAlbaniaALUruguayUYTrinidad & TobagoTTBangladeshBDMontserratMSItalyITJapanJPSão Tomé & PríncipeSTComorosKMPortugalPTKuwaitKWColombiaCOPanamaPAMaliMLMauritiusMUVatican CityVAIraqIQKenyaKECubaCUGermanyDEEthiopiaETSt. Pierre & MiquelonPMMayotteYTNamibiaNABhutanBTMongoliaMNIsle of ManIMAustraliaAUTuvaluTVDominican RepublicDOBarbadosBBUnited StatesUSCôte d’IvoireCITajikistanTJUzbekistanUZNorfolk IslandNFMaltaMTAnguillaAILaosLAArmeniaAMCyprusCYTürkiyeTRSolomon IslandsSBMexicoMXCanadaCABruneiBNSint MaartenSXEswatiniSZSloveniaSIGreeceGRMaldivesMVTokelauTKUnited KingdomGBAntigua & BarbudaAGArubaAWKiribatiKIGuatemalaGTCook IslandsCKEquatorial GuineaGQHondurasHNSwitzerlandCHBurundiBIRéunionRECentral African RepublicCFWallis & FutunaWFFalkland Islands (Islas Malvinas)FKMacaoMONepalNPGrenadaGDBosnia & HerzegovinaBACape VerdeCVAustriaATCambodiaKHBoliviaBOBahamasBSÅland IslandsAXCongo - BrazzavilleCGLatviaLVNigeriaNGSt. MartinMFArgentinaARPalauPWMonacoMCUgandaUGIndonesiaIDRomaniaROEcuadorECChadTDRwandaRWFijiFJLithuaniaLTSpainESVietnamVNIndiaINMalaysiaMYJerseyJECameroonCMAndorraADSt. Kitts & NevisKNParaguayPYFrench PolynesiaPFCzechiaCZHong KongHKNicaraguaNISan MarinoSMChristmas IslandCXCocos (Keeling) IslandsCCLesothoLSChinaCNPeruPEUnited Arab EmiratesAESt. BarthélemyBLJordanJOBahrainBHGibraltarGISerbiaRSCroatiaHREgyptEGBelizeBZTurkmenistanTMSt. Vincent & GrenadinesVCPakistanPKHaitiHTLiechtensteinLIDenmarkDKSvalbard & Jan MayenSJSeychellesSCOmanOMPitcairn IslandsPNFaroe IslandsFOGuernseyGGSlovakiaSKEl SalvadorSVNew ZealandNZSurinameSRGabonGANiueNUGuyanaGYKazakhstanKZMoroccoMAAngolaAOSt. HelenaSHHungaryHUDominicaDMCuraçaoCWBulgariaBGGuamGUChileCLQatarQAGuineaGNNorth MacedoniaMKSaudi ArabiaSASouth AfricaZALuxembourgLULiberiaLRTogoTGFinlandFIBritish Virgin IslandsVGGuadeloupeGPGhanaGHMadagascarMGVenezuelaVESwedenSE

Evidence: Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

South SudanSSPuerto RicoPRSudanSDYemenYENorthern Mariana IslandsMPSyriaSYIranIRLibyaLYAfghanistanAFRussiaRUMyanmar (Burma)MMBelarusBYSomaliaSOWestern SaharaEHNorth KoreaKP

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：用户可通过邮箱注册和申请虚拟卡，但 USDT 充值、跨境支付及加密资产相关操作受当地监管限制，卡片不能用于 ATM 取现。

2、香港：用户可申请虚拟卡，相关第三方金融服务商主要位于香港；卡片可用于国际线上商户及支持的 Apple Pay、Google Pay 场景。

3、澳门：用户可通过全球申请入口开通虚拟卡，可在接受对应卡组织的线上商户使用，线下消费须通过当地可用的手机钱包完成。

4、台湾：用户可申请并使用虚拟卡，可用于国际线上消费以及 Apple Pay、Google Pay 非接触支付，实际交易仍受商户和发卡方风控。

Updated: Aug 2, 2026

KYC requirements

Current identity-verification requirements and restrictions

KYC required

NoNot required

KYC level

No-KYC claimRequirement confirmed

Proof of address

NoNot required

Accepted documents

None

Review time / regional limits

Standard applications do not review ID documents; after email verification, you can proceed to card issuance.

KYC provider

Not applicable

Updated

Aug 2, 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 2, 2026

Wallet payments

Alipay

Not supported

Aug 2, 2026

Wallet payments

Apple Pay

Supported

Aug 2, 2026

Cash services

ATM withdrawal

Not supported

Aug 2, 2026

AI tools

ChatGPT

Not supported

Aug 2, 2026

AI tools

Claude

Supported

Aug 2, 2026

Wallet payments

Google Pay

Supported

Aug 2, 2026

AI tools

Midjourney

Supported

Aug 2, 2026

In-person payments

Offline POS

Supported

Aug 2, 2026

Online shopping

Supported

Aug 2, 2026

Wallet payments

PayPal

Not supported

Aug 2, 2026

Subscriptions

Subscription payment

Supported

Aug 2, 2026

Wallet payments

WeChat Pay

Not supported

Aug 2, 2026

User reviews

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No approved reviews

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Risk factors

Updated: Aug 2, 2026

No risk factors are available

XHYPE Card

Official and company information

Card overview

Card variants and fee differences

Regions and China applicability

Available regions

Unsupported or restricted regions

Unconfirmed regions

China applicability

KYC requirements

Accepted documents

Review time / regional limits

KYC provider

Updated

Payment compatibility

Alipay

Apple Pay

ATM withdrawal

ChatGPT

Claude

Google Pay

Midjourney

Offline POS

Online shopping

PayPal

Subscription payment

WeChat Pay

User reviews

Risk factors

Official card profile is not yet available

Comparison limit reached