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ZZar Card logo

Zar Card

Updated: Aug 21, 2026

ZAR Card is a virtual Visa payment card offered by the ZAR global US dollar wallet and linked to the user's US dollar balance for purchases at Visa merchants online, in stores, and internationally. Users can fund their ZAR US dollar balance through bank transfers, exchanges at offline partner merchants, or stablecoin deposits from exchanges and wallets. The current product is primarily a virtual Visa card that supports payments at Visa merchants worldwide, while physical cards are being introduced gradually by country and region.
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Card network
Visa
Product type
Stablecoin payment card
Card form
Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
60-69
Supported assets
USDT / USDC
Last updated
Aug 21, 2026

Official and company information

Issuer identity and company credentials

ZAR is a US dollar stablecoin wallet and payment fintech platform for emerging market users, offering self-custody USDC wallets, peer-to-peer transfers, local cash-to-digital dollar exchange, international USD account access, bank withdrawals, and virtual and physical Visa cards. ZAR operates the wallet, app, merchant network, and product operations; banking, fiat processing, and payment card services are provided by third-party financial institutions.
Visit website Application page
Company / issuer
ZAR
Legal name
Golden Age Dev Lab Pte. Ltd.
Registered region
Singapore (SG)
Headquarters
Singapore
Company type
Fintech
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

ZAR is a financial technology service for global USD savings, transfers, and payments. Users can hold and send USD in the App, receive USD bank transfers, withdraw to local bank accounts, and spend with ZAR Card. Stablecoin deposits are settled in USDC on the Solana network, while some other stablecoin deposits are automatically converted into USDC. ZAR's USD balance is connected to the USD stablecoin system issued by Circle, and card transactions are processed through the Visa network. Service features, physical cards, in-person exchange, and withdrawal capabilities are introduced on a market-by-market basis, and some countries with capital controls restrict cross-border transfers of funds.
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

ZAR virtual payment card
Card formVirtual card
Fees
Monthly fee
Free
No fixed monthly fee
Card issuance fee
Free
Virtual Visa card is free
ATM fee—
Foreign exchange fee
Free
No foreign exchange fee
Top-up fee
Free
ACH free; wire transfer USD 10, charged per deposit method
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.

Available regions

Applications or normal card activation are supported

37
JapanJPChileCLUruguayUYAustriaATMexicoMXAustraliaAUUnited Arab EmiratesAECzechiaCZNew ZealandNZFinlandFISouth AfricaZAUnited KingdomGBIrelandIESpainESNetherlandsNLPortugalPTCanadaCAFranceFRUnited StatesUSArgentinaARBelgiumBEIsraelILBrazilBRItalyITRomaniaROSouth KoreaKRGermanyDENorwayNOPolandPLSingaporeSGSwedenSEDenmarkDKColombiaCOHong KongHKGreeceGRSwitzerlandCHHungaryHU
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

15
IranIRSudanSDAfghanistanAFSouth SudanSSBelarusBYSyriaSYChinaCNVenezuelaVECubaCUYemenYEIraqIQSomaliaSOLibyaLYRussiaRUNorth KoreaKP
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：中国大陆不在 ZAR 当前开放的个人卡片服务范围，不能申请 ZAR Card；未向中国大陆居民提供本地入金、实体卡或合规的持卡消费服务。

2、香港：中国香港不在 ZAR 当前开放的个人卡片服务范围，不能申请 ZAR Card；未提供香港本地账户、港币入金或面向香港居民的卡片服务。

3、澳门：中国澳门不在 ZAR 当前开放的个人卡片服务范围，不能申请 ZAR Card；未提供澳门本地账户、澳门元入金或面向澳门居民的卡片服务。

4、台湾：中国台湾不在 ZAR 当前开放的个人卡片服务范围，不能申请 ZAR Card；未提供台湾本地账户、新台币入金或面向台湾居民的卡片服务。

Updated: Aug 21, 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

YesRequired

Accepted documents

Government-issued ID / Passport / Driver's license

Review time / regional limits

Automated processing when documentation is complete; manual review is triggered when identity, address, or funding source triggers risk controls.

KYC provider

Not disclosed

Updated

Aug 21, 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 21, 2026

Wallet payments

Alipay

Not supported

Aug 21, 2026

Wallet payments

Apple Pay

Supported

Aug 21, 2026

Cash services

ATM withdrawal

Not supported

Aug 21, 2026

AI tools

ChatGPT

Supported

Aug 21, 2026

AI tools

Claude

Supported

Aug 21, 2026

Wallet payments

Google Pay

Not supported

Aug 21, 2026

AI tools

Midjourney

Supported

Aug 21, 2026

In-person payments

Offline POS

Supported

Aug 21, 2026

Online shopping

Online shopping

Supported

Aug 21, 2026

Wallet payments

PayPal

Not supported

Aug 21, 2026

Subscriptions

Subscription payment

Supported

Aug 21, 2026

Wallet payments

WeChat Pay

Not supported

Aug 21, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Og Steelgoogle_play★ 2 / 5

ZAR: Global USD Wallet App Google Play review - 2 star

poor customer service 😞
View original
Noman Khangoogle_play★ 1 / 5

ZAR: Global USD Wallet App Google Play review - 1 star

Fake wallet app. Withdrawal not working. Customer support is zero. Lost money. Don't trust this app. 1⭐
View original
tahir aligoogle_play★ 5 / 5

ZAR: Global USD Wallet App Google Play review - 5 star

nice
View original
Faiz Gujjargoogle_play★ 5 / 5

ZAR: Global USD Wallet App Google Play review - 5 star

Nice
View original
Nahid Hasangoogle_play★ 5 / 5

ZAR: Global USD Wallet App Google Play review - 5 star

Too Much Good wallet$card system Love From Bangladesh 🇧🇩
View original
Md Abu Hanifgoogle_play★ 5 / 5

ZAR: Global USD Wallet App Google Play review - 5 star

wow
View original
Obiefuna Chimezirim Stanleygoogle_play★ 1 / 5

ZAR: Global USD Wallet App Google Play review - 1 star

very useless i have verified my palms for weeks but still i haven't been granted access to my homepage, even after laying a complaint i give up on this
View original
Aromz1cool Siakagoogle_play★ 1 / 5

ZAR: Global USD Wallet App Google Play review - 1 star

the customer service is terrible
View original
Ovijit Duttagoogle_play★ 1 / 5

ZAR: Global USD Wallet App Google Play review - 1 star

Bad app😡😡😡
View original
Alim Sarkargoogle_play★ 5 / 5

ZAR: Global USD Wallet App Google Play review - 5 star

good
View original

Risk factors

Updated: Aug 21, 2026

No risk factors are available