Find the right payment card

Use case: imToken Card is a multi-currency Mastercard virtual debit card jointly offered by imToken and Fiat24, a licensed Swiss fintech institution, paired with a Swiss IBAN multi-currency cash account. The card supports USD, EUR, CHF, and offshore CNY balances, and can be topped up with digital assets such as USDC, USDT, and ETH on the Arbitrum network for everyday shopping, mobile wallet, and subscription spending. Existing card payments remain operational, but Fiat24 has paused acceptance of new personal customer applications, and crypto asset top-up functionality remains suspended for maintenance.

Use case: CoinSpot Mastercard is a digital crypto prepaid card offered by CoinSpot to Australian residents. Users can set Australian dollars or up to five assets in their CoinSpot account as payment sources. When crypto assets are spent, the system automatically sells the selected asset and converts it into Australian dollars for settlement at the time of the transaction. The card can be used for online shopping and contactless payments through Apple Pay, Google Pay and Samsung Pay. A physical card and ATM withdrawals are not currently available.

Use case: The Shakepay Card is a Visa prepaid card offered by Shakepay in Canada to individual users, issued by Peoples Trust Company. Users make purchases using the Canadian dollar balance in their Shakepay account. The product is based on a virtual card, with physical cards entering phased distribution in 2026. Users can sell or convert crypto assets in their account to Canadian dollars for card payments and earn Bitcoin cashback based on their Shakepay Rewards tier. The card does not provide a credit line; the actual spendable amount depends on the available Canadian dollar balance in the account.

Use case: Ripio Card is an international Visa crypto prepaid card offered by the Latin American digital asset platform Ripio. It is currently confirmed to be operating normally in Argentina and Brazil. Users can select local fiat currency or supported crypto assets in Ripio Wallet as the payment source, with automatic conversion into the local settlement currency when a purchase occurs. The product offers virtual and physical cards, supports online and offline payments, Apple Pay and Google Wallet, and provides crypto cashback such as BTC, ETH or USDT when users spend crypto assets.

Use case: Change Card was a Visa crypto payment card that Change offered to users in Europe. It could be linked to a Change account to convert EUR and crypto assets held in the account for everyday spending at Visa merchants, and it previously supported payment scenarios such as virtual cards, physical cards, and cash withdrawals. The card is no longer offered as a current product; as of July 2025, Change officially describes it as a past product and states that it is only exploring the possibility of launching a similar service in the future.

Use case: The Tap Card is a crypto asset payment card offered by Tap Global. Users can hold, buy, sell, and convert cryptocurrencies in the Tap app and use the converted fiat balance for card purchases. The product offers virtual and physical cards and supports online payments, in-store card payments, and ATM withdrawals at Mastercard merchants worldwide. Its six plans, from Essential to Prestige, provide different levels of XTP cashback, spending limits, and withdrawal benefits. It is suitable for users who need integrated crypto asset management, fiat accounts, and everyday payment functions.

Use case: The Pionex Card is a crypto debit card within the Pionex ecosystem that uses USDT for spending. Users must transfer USDT into a dedicated Card Account to establish a balance specifically for payments; transactions are deducted directly from this balance rather than automatically drawn from main trading accounts (such as spot or futures accounts), and the card does not involve any credit-based overdraft facility.

Use case: Fold Debit Card is a Bitcoin rewards Visa prepaid card offered by Fold to users in the United States, issued by Sutton Bank. Users first deposit USD into the card account, and can also sell BTC held in Fold for USD to spend. The product does not provide a credit line, mainly covering everyday Visa spending, ATM withdrawals, ACH bill payments, and Bitcoin rewards scenarios, and offers both a free Fold membership and a paid Fold+ membership with different benefits.

Use case: Ledger Card Program is a gateway to third-party crypto payment cards within Ledger Wallet and does not involve Ledger issuing cards itself. The products currently officially listed are CL Card provided by Baanx and Spend Card provided by Mercuryo. Users can transfer digital assets from their Ledger wallet to a card account, convert them into a fiat balance or exchange them when spending, and then use virtual cards, physical cards, mobile wallets and ATMs. The card network, regions, fees, supported assets and reward rules for each card are determined separately by the actual service provider.

Use case: The WhiteBIT Nova Card is a Visa crypto debit card introduced by the European crypto exchange WhiteBIT and supports direct everyday spending with crypto assets held in an exchange account. The product offers virtual and physical cards, can be linked to Apple Pay and Google Pay, and provides up to 10% cashback in BTC or WBT. It is primarily intended for users in the European Economic Area (EEA).

Use case: Foxbit Card is an international Mastercard crypto prepaid card launched by Foxbit in Brazil and linked to BRL or designated crypto asset balances in the user's Foxbit Exchange account. Users can select BTC, ETH, USDT, XRP, ADA or Brazilian reais as the source of funds for online, in-store and international payments. Spending crypto assets earns up to 1% crypto cashback in the same asset. The card also supports Apple Pay, Google Pay and Mastercard Surpreenda benefits.

Use case: The Bitso Card was a debit card product previously offered by Bitso to users in Mexico; it enabled purchases directly using the Mexican Peso balance held in a Bitso custodial account, rather than selling crypto assets like BTC or USDC at the time of the transaction. Crypto assets had to be converted into pesos within the Bitso platform first, after which the card would deduct funds from the account's fiat balance—a structure combining an exchange custodial account with a local fiat debit card.

Use case: YPT Card is a crypto payment card product introduced by YPT (Yield·Pay·Trade) for converting digital assets into funds for everyday purchases. Users can apply for a virtual card or physical card through the YPT app, top it up with assets such as USDT, USDC, BTC, and ETH, and spend at merchants on the Visa payment network. The product supports Apple Pay and Google Pay, as well as online payments, in-store purchases, and ATM withdrawals.

Use case: XHYPE Card is a crypto payment card integrated with XHYPE Superwallet. It supports funding the card with USDT and is available in both virtual and physical card formats. The currently disclosed Essential, Premium, and Whale tiers mainly differ in annual top-up limits, top-up fee rates, bonus balances, and service levels. Virtual cards are issued instantly and can be added to Apple Pay and Google Pay. Card applications involve third-party identity verification provided by Verinex, making the product suitable for users who want to use stablecoin balances for online shopping, mobile payments, and everyday spending.

Use case: Kripicard is a crypto payment card platform for individual users, digital advertising teams, and online businesses. It provides virtual Visa or Mastercard cards funded with crypto assets such as USDT. Users can create cards, top up balances, set limits, and freeze cards through the web dashboard and use them for online shopping, software subscriptions, advertising, and mobile wallet purchases. The product uses a prefunded model and does not provide revolving credit. Card issuance, fiat custody, and transaction settlement are handled by external licensed partners.

Use case: The SoFi Credit Card is a series of personal consumer credit cards issued by SoFi Bank, N.A. to US residents. It currently includes the SoFi Unlimited 2% Credit Card, SoFi Everyday Cash Rewards Credit Card, and SoFi Essential Credit Card. Cardholders make purchases using a revolving credit line granted by the bank and can complete online, in-store, subscription, and cash advance transactions through the Mastercard acceptance network. Bills, rewards, card security, and repayments can be managed through the SoFi app.

Use case: Spend Card is a stablecoin debit card product currently in development and the waitlist phase; it plans to use Spend’s "Universal Balance" to aggregate balances from users' multiple non-custodial wallets across networks such as Base, Plasma, and Solana into a unified source of funds for spending. Its design focuses on not requiring users to transfer stablecoins to traditional exchanges or centralized custodial accounts for extended periods, though the specific mechanisms for final settlement and debiting have not yet been fully disclosed.

Use case: Raycash Card is a payment card within the Raycash self-custody stablecoin account system, designed for everyday spending, online shopping, mobile payments and purchases at physical merchants. User funds are held in on-chain accounts controlled by their own keys. Card purchases are deducted directly from the private stablecoin balance and converted into the local payment currency. The product also combines an IBAN, stablecoin transfers, returns on balances and FHE privacy technology and is positioned as a link between on-chain funds and traditional card spending.

Use case: Bancus Card is a prepaid payment card product offered by the Bancus platform for crypto asset users. Users deposit funds or stablecoins into their platform account and then top up the card balance for everyday online and in-store spending. Current official products include the digital card Go, the plastic physical card One, and the metal card One Elite, covering mobile wallets, contactless payments, international merchants, and some physical card ATM scenarios. Public platform materials indicate the card program can use the Visa or Mastercard network.

Use case: Blonix Card is a crypto-asset Visa payment card provided by Blonix Technologies Limited in Hong Kong, integrating a digital asset wallet, asset conversion, and traditional card payments on a single platform. After completing KYC, users can instantly obtain a virtual card, and can also apply for a physical card, using supported assets such as USDC, USDT, BTC, ETH, and SOL for conversion and spending. The product covers online shopping, Apple Pay, physical Visa merchants, and ATM scenarios.

Use case: Contro Chargecard is a crypto-asset-backed charge card that provides spending capacity based on a portfolio of digital assets. Users can transfer supported assets into the Contro ecosystem or connect a wallet, after which the system establishes available spending capacity based on those assets instead of requiring the crypto assets to be sold first to create a conventional prepaid card balance. During spending, the underlying assets can remain invested or continue generating yield, while the card primarily serves to convert the value of those assets into payment liquidity.

Use case: JOQR Card is a crypto asset payment card product operated by YouShopper Limited in the UK, integrating a USDT wallet with virtual and physical payment cards in a single app. After completing identity verification, users can receive USDT via the BSC or TRON network and then transfer wallet balances to the card for online shopping, digital subscriptions, and spending at physical merchants. Both the virtual card and physical card are currently officially launched, with the physical card supporting contactless payments, PIN management, and in-app freezing.

Use case: Gleec Card is a crypto-asset prepaid Visa card offered by the Gleec ecosystem. Users can manage digital assets such as GLEEC, BTC, ETH, and USDT in the app and convert supported assets into fiat card balance for spending. The product offers both virtual and physical plastic cards, covering online shopping, Apple Pay, Google Pay, physical Visa merchants, and ATM withdrawals, suitable for users who need to convert crypto assets into everyday payment funds.

Use case: The BilderPay Card is a crypto spending product that combines a non-custodial crypto wallet with a Visa payment card, managed through the BilderPay app. Users can top up the card with supported assets such as USDT, USDC, and ETH, which are then converted into spendable fiat balance for online shopping, digital subscriptions, Apple Pay, Google Wallet, physical merchants, and ATM use. It currently offers instant virtual cards and physical cards, targeting users of cross-border spending, travel, and digital service payments.

Use case: AIA Card is a crypto payment card within the AI Analysis ecosystem, managed via the AIA Pay app. After completing identity verification, users can top up the USD-denominated card using assets such as USDT, USDC, BTC, ETH, SOL, BNB, and AIAT, and spend via the Visa network. The product currently offers Lite, Pro, and Elite tiers, and supports virtual card, physical card, Apple Pay, Google Pay, online subscriptions, physical merchants, and physical card ATM scenarios. At this stage, all three new card tiers on the official website are available via a waitlist.

Use case: Krinos Card is a USD-denominated Visa crypto payment card provided by Krinos LLC. Users can use USDT or USDC to provide margin or top up the card account, then spend via the traditional Visa payment network. The product is provided as a virtual card by default, suitable for online shopping and digital subscriptions; a physical card can be applied for after the account remains active for 60 days, for more offline spending and ATM scenarios. The card is combined with the Krinos non-custodial wallet, but card funds and credit limits are managed by a partner financial service provider.

Use case: PayFun Card is a Visa crypto payment card service for stablecoin users, offering instant virtual cards and mail-able physical cards. After completing identity verification, users can top up their accounts using USDT and USDC, which are automatically converted to local fiat currency at the time of spending and settled via the Visa network. The product covers scenarios such as online shopping, AI and SaaS subscriptions, Apple Pay, Google Pay, Alipay, WeChat Pay, PayPal, in-store purchases, and ATM withdrawals.

Use case: The ToonPay Card is a stablecoin spending card operated by Toonpay Technologies Limited, combining USDT and USDC wallets, virtual and physical payment cards, and a crypto rewards system. After completing identity verification and activating the card, users can top up their accounts with stablecoins and make online purchases, digital subscriptions, mobile wallet payments, and in-store merchant transactions via international card network. The product features a multi-tier membership system including Starter, Copper, Bronze, Silver, Gold, and Diamond, offering cashback rewards in the form of $TOON for spending.

Use case: Zerocard is a stablecoin payment card product operated by a Nigerian fintech team, connecting crypto wallets with traditional debit card payment infrastructure. After completing identity verification, users can obtain a virtual card or physical card and top up their wallet with supported assets such as USDC and USDT, then use it for online shopping, physical POS, mobile wallets, and ATM scenarios. Current products include the Zero Core and Zero Pro series, and support cross-border fund management and services related to multiple African fiat currencies.

Use case: WebitPay Card is a crypto asset payment card service provided by Hong Kong fintech company Webit Information Technology Limited. The cards are issued by Reap Technologies Limited and operate on the Visa network. Users can top up their WebitPay accounts with crypto assets such as USDT, USDC, BTC, ETH, and BNB, and make payments via virtual or physical cards. The product covers scenarios including online shopping, subscriptions, Google Pay contactless payments, in-store purchases, and ATM withdrawals.

Use case: myXPD XCard is a crypto-funded Mastercard integrated into the myXPD application. Users first deposit USDT, USDC, BTC, or ETH into the in-app wallet and then fund a USD-denominated XCard balance. Subsequent purchases are deducted from the separate card balance rather than being settled directly from the on-chain wallet in real time for each transaction, making it a typical “crypto wallet + pre-funded card account” structure.

Use case: X Money is a digital payment and financial service introduced by the X platform, intended to provide money management, transfers, payments, and bank card services within the X app. The service includes an X Money account and X Card, allowing users to make everyday purchases and ATM withdrawals with a Visa debit card and earn cashback on eligible purchases. The service is currently available primarily to some users in the United States.

Use case: Tonhub Card is a virtual Visa debit card linked to the non-custodial Tonhub TON wallet and connects the user's wallet to the traditional Visa network through Holders' on-chain payment infrastructure. Eligible EU residents can create a virtual card after completing KYC and use assets such as TON and USDT for everyday spending. Top-ups to the USDC card account are also currently supported. The card supports online shopping, physical POS terminals, Apple Pay and Google Pay, while users retain on-chain control of their spending funds.

Use case: Oppi Card is a crypto payment card service provided by Oppi Wallet. It operates on a top-up-and-spend model, where users can top up their card balance with supported crypto assets from a self-custody wallet, and the system converts the assets before use for everyday payments. The product offers both a Mastercard virtual card and a Visa physical card, covering online shopping, subscriptions, mobile wallet contactless payments, in-store purchases, and ATM use with the physical card. It is integrated with Oppi Wallet's multi-chain asset management features.

Use case: AIX Card is a stablecoin Visa payment card launched by AIX Pay, with card, payment, virtual asset, and related financial services provided by dtcpay. After completing identity verification, users can top up USDT, USDC, WUSD, or FDUSD from external wallets to AIX Wallet and spend in fiat currency at Visa merchants. The product offers a free virtual card; the physical card supports ATM withdrawals and in-store card payments, and is currently issued only in the Philippines.

Use case: dtcpay Card is a prepaid card offered by Singapore digital payment service provider dtcpay and linked to the topped-up balance in the user's dtcpay Wallet for spending. The card can be provided in virtual and physical forms and can be used at merchants that accept Visa or Mastercard. Users can make online and in-store contactless payments through Apple Pay, Google Wallet, or Samsung Wallet. The card does not provide a credit limit, and all transactions are deducted immediately from the wallet's available balance.

Use case: The Zoomex Card is a multi-currency virtual Mastercard debit card launched by Zoomex in partnership with UR, a Swiss financial services provider. After completing UR identity verification, users can convert USDC from their Zoomex account into USD, EUR, CHF, SGD, HKD, or JPY balances and spend at Mastercard online merchants, subscription services, and mobile payment scenarios. The card is currently available only in virtual form; physical cards and ATM withdrawals are not supported.

Use case: 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.

Use case: wavecard® is a Visa debit card offered by wave.space for Bitcoin users. It connects to the user’s Wave Space Bitcoin account and can also connect to a self-custody Lightning wallet through Nostr Wallet Connect. Users can deposit on-chain or Lightning BTC, and the required amount of Bitcoin is sold only when spending occurs to complete fiat settlement. This means users do not need to maintain a separate fiat-denominated card balance in advance over the long term.

Use case: vPay Card is a crypto payment debit card within the vPay Web3 financial account system, operating together with the platform’s digital assets, fiat balances, and exchange functions. Users can hold and manage multi-chain crypto assets within vPay and use assets in their account for card spending. At the time of payment, the platform converts crypto assets into fiat, rather than requiring users to establish a completely separate pre-funded card account in advance.

Use case: Utorg Card is a crypto payment card within Utorg’s self-custody wallet ecosystem. Users retain control of their wallet private keys, while card funding can be provided from digital assets such as USDC held in the wallet, without first placing those assets under long-term custody at an exchange or in a separate card account. The assets required for spending are converted into fiat within the payment flow for settlement, creating a product structure of “self-custody wallet + on-chain stablecoin funding + card payments.”

Use case: UPay Card is a crypto asset payment card offered by UPay and linked to the digital asset balance in UPay Wallet. Assets such as BTC, ETH, USDT, and USDC can be converted into fiat currency and spent through the Visa or Mastercard network for online purchases, in-store transactions, and ATM withdrawals with the physical card. The product offers virtual cards, physical cards, and premium metal cards, and supports mobile payment services including Apple Pay and Google Pay. It is primarily intended for cross-border purchases, subscriptions, and everyday digital asset payments.

Use case: UR Mastercard Debit Card is a multi-currency virtual Mastercard debit card offered by Swiss fintech institution SR Saphirstein AG and linked to the user's UR fiat accounts and digital asset wallet. Users can spend balances held in EUR, CHF, USD, HKD, SGD, JPY, CNH, and other currencies, or directly fund eligible transactions with USDe. The card is suitable for international online purchases and mobile payments, and supports Apple Pay, Google Pay, Samsung Pay, Alipay, and WeChat Pay.

Use case: UGLYCASH Card is a Visa prepaid card offered by UGLYCASH and linked to the platform's stablecoin balance. Available as a virtual card or physical card, it can be used at Visa merchants online and in stores, while the physical card also supports ATM withdrawals. The basic card offers 1% cashback in the RSR crypto asset on purchases, rising to as much as 6% on eligible purchases after joining RIDEX membership. The product also combines US dollar, euro, local bank transfer, and crypto asset features, primarily serving users who receive cross-border payments and make everyday purchases.

Use case: UU Wallet Card is a Visa crypto prepaid card offered by UU Wallet. It is primarily topped up with USDT and used for online and offline spending through the Visa network. The current range includes both a virtual Visa Platinum Card and a physical Visa Platinum Card, with the physical version also supporting ATM withdrawals. Designed for cross-border payments, the card can be used with merchants including Alipay, PayPal, Booking.com, Spotify, Netflix and ChatGPT and supports selected mobile wallets.

Use case: TXBFI Card is a crypto asset payment card operated by TheXBanky s.r.o. Users can deposit digital assets such as BTC, SOL, SUI, XRP, XLM, USDT, and USDC, convert them through the platform into a spendable balance, and then make online or offline payments through the Visa network. The product offers virtual cards and multiple tiers of physical cards, and supports BTC spending cashback, mobile wallets, and ATM withdrawals with physical cards. It is primarily intended for users who want to use digital assets directly for everyday spending.

Use case: 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.

Use case: Swissquote Card is a multi-currency Debit Mastercard range provided by licensed Swiss bank Swissquote Bank Ltd and linked to the Swissquote Global Account, investment accounts and crypto asset accounts. Users can spend ordinary fiat balances or enable Crypto Payments in the App, allowing Swissquote to automatically sell the required amount of BTC, ETH or XRP when a payment is made. The current range includes the free virtual-only Light, virtual and physical Bright, and premium metal Elite card tiers.