Last updated: 10 October 2026
ExCards is a service that issues virtual Visa and Mastercard cards topped up with cryptocurrency. The cards are issued by a licensed card issuer partner; ExCards runs the app, the verification flow and support. There are three cards, from $29 paid once, with a light passport check, top-ups from 2% and no monthly fee.
This page is a working draft. Detailed company history, team, and partner disclosures will be added as the public information set expands.
ExCards issues virtual debit cards (Visa and Mastercard) funded with any crypto. The platform launched in 2025 and serves crypto users who want to spend their stablecoin holdings at any merchant accepting Visa or Mastercard, online and offline.
Visa Universe ($29) — for everyday online spending with Apple Pay / Google Pay and a low 2% top-up fee. Visa E-commerce ($35) — a virtual card with no daily or monthly turnover limit, with Apple Pay and Google Pay, optimized for AI services, ad platforms, SaaS, and subscriptions. Mastercard Business ($50) — a high-limit business-class card supporting Apple Pay, Google Pay, and contactless POS payments worldwide. All three cards share a single wallet.
ExCards is the customer-facing operator of the service. Cards themselves are issued by a licensed BIN-sponsor partner under their existing regulatory program (the partner is disclosed to customers at card issuance). Card balances are held by the issuer; the ExCards platform handles customer-facing flows: signup, KYC, top-up, balance allocation, and support.
ExCards operates a full KYC and AML control stack — see /kyc.html, /aml.html, and /geo.html. KYC is required for every card. Sanctions screening is mandatory at issuance and per transaction.
Primary site: excards.io. Support: app.excards.io. Mini-app: @ex_cards_bot. App: app.excards.io.
Active areas: more funding networks, additional card tiers, dedicated business onboarding. We do not pre-announce specific launch dates — see app.excards.io for announcements.
