Your money works everywhere
Top up with crypto — spend in any country, online and with Apple Pay, in minutes.
Three cards. One wallet
Three cards, one USDT wallet. Compare limits, fees, and supported services.
Mastercard Business · recommended
Mastercard Business
High limits- Apple Pay and Google Pay · 3DS
- Offline POS payments worldwide
- $250K per transaction · $500K per day · $1M per month
- Easy onboarding — passport verification only
Visa Universe
Low fees- Apple Pay and Google Pay
- $1M per transaction · $3M per day and month
- Minimal top-up fee — 2.0%
Visa E-commerce
Online payments- Online services and subscriptions, no limits
- OpenAI, Google, Meta, Shopify, AWS, TikTok
- $20,000 per transaction · no daily limit
Mandatory first top-up of 10 USDT — funds are credited to the card. The issuer may charge additional fees, including transaction and foreign exchange (FX) fees, depending on the card issuance country and transaction currency.
Detailed comparison
3 cards, one walletOne balance for all cards
One balance. All cards. Full control.
Manage all your cards from one USDT balance
Top up once and distribute funds between Visa and Mastercard in seconds — simple and organized.
Issue cards on demand
Need more cards? Create additional virtual cards anytime. Split spending by purpose — subscriptions, ads, everyday use.
The right card for the job
Visa — for online spending. Mastercard Business — for everything else, including offline POS, Apple Pay and Google Pay.
Everything in one place
Top-ups, cards, transfers, and referral income — all in one app, no jumping between services.
One balance, all cards
Top up crypto once, then move funds to any Visa or Mastercard in seconds.
Instant issuance
P2P transfers
Referral income
Refer people — earn a share of their activations and top-ups. The more you invite, the higher your rate, up to 40%.
From top-up to payment — three steps
Get started in three simple steps — fast and easy.
Top up your wallet
Send crypto from your wallet or an exchange. We support the most popular networks and assets.
Transfer to your card
Convert your balance and top up your card in seconds — automatically, at a great rate.
Pay anywhere
Online, in apps, or with Apple Pay and Google Pay at checkout — anywhere in the world.
Tailored to your spending
Traveling the world or scaling a business — ExCards solves your payment needs.
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Already used to pay every day
Stories from people who switched to everyday crypto payments.
“I needed a card for OpenAI and Google Ads after relocating. Got it the same evening — payments just go through.”
“I pay for subscriptions and AI tools straight from my balance. I top up with crypto and spend it like regular money.”
“Business with Apple Pay covers offline spending on trips, and the limits are enough for ad accounts too.”
“Issuance took minutes, the card went straight into Apple Pay. One card for everything, finally convenient.”
Frequently asked questions
Less than 10 minutes from start to finish. After light KYC verification (just a passport scan — no video call), your virtual card is issued instantly and ready in your wallet. You can add it to Apple Pay or Google Pay right away (Visa Universe and Mastercard Business).
There's no monthly fee on any card. Top-up fee: 2.0% on Visa Universe, 3.5% on Visa E-commerce and Mastercard Business. Authorization: Universe and Business — $0.50; E-commerce — $0.10 for transactions up to $1, free above that. A mandatory first top-up of 10 USDT is credited to the card. The issuer may charge FX fees depending on the transaction country.
Visa Universe ($29) — for everyday online spending with Apple Pay / Google Pay and a low 2% top-up fee. Visa E-commerce ($35) — if you only pay online: subscriptions, ads, AI services. Mastercard Business ($50) — offline POS and business limits ($250K per transaction, $1M per month). All cards share a single USDT wallet.
Refer people — earn a share
Earn a percentage of your referrals' activations and top-ups. The more people you invite, the higher your tier and rate, up to 40%.
10% off your first card
Use a referral code at signup and get 10% off your first virtual card.
Your money, your control
Encrypted traffic, 3D Secure authentication, and a non-custodial USDT flow. You stay in control of your funds.
Where and how you pay
Seamless integration with Apple Pay, Google Pay, and management through Telegram.
Apple Pay and Google Pay
Add your card to Apple Wallet or Google Pay — instant contactless payments anywhere they're accepted.
Telegram Mini App
Manage your wallet right from Telegram — fast, simple, and always at hand.
Top up with any crypto
Bring almost any coin — your balance is always in USDT. The most popular networks are below, and we support more.