Last updated: 19 May 2026
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 directly from a USDT balance. 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 E-commerce ($35) — an online-only virtual card optimized for paying 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. Both cards share a single USDT 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. We do not offer "no KYC" cards. 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.