One Virtual Card for the Phone and the Checkout
Add it to Apple Pay or Google Pay and tap in shops. Use the same card number for subscriptions and online checkouts. One card, one fee, both jobs.
Add It to Apple Pay and Tap
The card is digital from the start, so there is nothing to wait for in the post. Add it to Wallet and it behaves like every other card already in there.
- Double-click and hold — the same gesture as every other card in your wallet
- Face ID confirms the payment — so a lost phone is not a lost card
- Apple Watch pays too — once the card is in Wallet, a paired watch uses it without the phone
- Works without signal — contactless does not need a data connection
The Short Version
Three numbers worth knowing before you read the rest.
A single issuance fee for a card that does both jobs. No monthly subscription, no maintenance charge, no fee for leaving it idle.
The same rate for USDT, Bitcoin and Ethereum. No tier table, and no spread hidden inside the exchange rate.
Anywhere the major card networks work — in shops with contactless, and at any checkout that takes a card number.
Prices in USD. Blockchain network fees are charged by the network and are not ours.
Or Google Pay on Android
The same card, the same balance, the other wallet. Nothing is issued twice and nothing is set up again — add it once on each device you pay from.
- Unlock the phone and tap — no app to open first, no code to type at the terminal
- Any Android with contactless — and any Wear OS watch paired to it
- The shop never sees your number — the wallet hands over a substitute tied to that one device
- Add it to more than one phone — each device gets its own substitute, and you can remove one without touching the card
Why Fund a Card With Crypto at All
The usual route is exchange, then bank, then card. Each step adds a day and a fee.
No withdrawal queue
Sending USDT to your top-up address is a blockchain transfer, not a withdrawal request that sits in a review queue over the weekend.
One rate, written down
A flat 2.5% on conversion at the market rate of the moment. The fee is charged as a fee — not buried in a worse rate, which is the more common arrangement.
Spend where you are
The balance is held in fiat, so you are not exposed to a price move between topping up on Monday and paying rent on Friday.
A real card, not a voucher
It runs on the card networks merchants already accept, which is why it works at checkouts that have never heard of crypto.
Freeze in one tap
Lock the card from the dashboard and unlock it again without touching your balance or reissuing anything.
Card details on demand
Full number, expiry and CVV are shown in the app only when you ask for them, behind a fresh authentication.
From Sign-Up to First Payment
Most people finish this in one sitting.
Create an account and verify
Email, a photo of an identity document and a selfie. Verification is handled by a regulated partner and usually takes a few minutes rather than days.
Pay the issuance fee
$9.99, once. The card is created straight away — there is nothing to ship and nothing to wait for.
Top up from your wallet
Send USDT, USDC, BTC or ETH to the address shown for your account. Conversion happens at the market rate with a flat 2.5% fee.
Add it to your phone, or copy the number
One tap adds the card to Apple Pay or Google Pay for shops. The full number is in the app whenever a checkout asks for it.
Every Fee on This Card
The whole list. If a charge is not here, it does not exist.
| What | Cost |
|---|---|
| Card issuance | $9.99 once |
| Monthly fee | $0 |
| Inactivity fee | $0 |
| Crypto top-up (USDT, USDC, BTC, ETH) | 2.5% |
| Bank transfer top-up (USD, EUR) | 2.5% |
| Payment in account currency | $0 |
| Payment in another currency | Market rate, no added spread |
| Freezing, unfreezing or replacing the number | $0 |
| Declined payment | $0 |
| Closing the account | $0 |
Blockchain network fees are set by the network you choose and are not charged by us. ATM withdrawal is not available on a virtual card — see the physical card for that.
Common Questions
One. The same card taps in shops through Apple Pay or Google Pay and pays at online checkouts by number — there is no separate card to buy for either. One issuance fee covers both, and nothing recurs after it.
Wherever contactless payment is accepted, which is the great majority of card terminals in Europe, the UK, and most of Asia and the Americas. A small number of merchants still take cards but not contactless — for those you would need the physical card.
There is nothing to arrive. It is a virtual card, so it exists the moment the issuance fee is paid and can be used immediately after.
A flat 2.5% of the amount, the same for every supported asset, applied at the market rate at the moment of conversion. Separately, the blockchain charges its own network fee for the transfer — that one is set by the network, not by us, and depends on which chain you send over.
Freezing stops the next charge attempt, yes. It does not cancel your contract with the merchant, though — some will keep billing through a debt collector rather than give up. Freezing is a way to stop the money leaving, not a substitute for cancelling.
The card lives on your account, not on the device. Freeze it from the dashboard on any other device, and add it again to your new phone once you have one. Your balance is unaffected.
No, and neither is anyone else's. Cryptocurrency is not covered by deposit insurance in any jurisdiction we operate in, and blockchain transfers cannot be reversed once sent. Fiat balances are held with licensed partners in accounts kept separate from our own operating funds.
Worth reading first
- Virtual Card vs Physical Card Not a question of which is better. A virtual card fails in places a physical one does not, and the list is shorter than most people expect. Read →
- Apple Pay and Google Pay with a Crypto Card Adding a card to a phone wallet replaces the number with a token. Here is what that protects, what it does not, and why cards fail to add. Read →
- How to Pay for ChatGPT with Crypto OpenAI does not accept crypto. The route that works is a card you fund with crypto — here is what it costs and why cards get declined. Read →
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