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Crypto wallet — top up your cards from one balance

The ExCards crypto wallet holds your USDT and distributes it to your virtual Visa or Mastercard. Supports 8 networks. Light KYC, no monthly fee.

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How the wallet links to your cards

Inside your ExCards account is a single USDT wallet. You fund it from any supported network: ERC-20, TRC-20, BEP-20, Bitcoin, Polygon, Arbitrum, Optimism, Avalanche. From there, you allocate USDT to whichever card you want to spend from — Visa E-commerce or Mastercard Business — and the card balance becomes spendable instantly. One wallet, multiple cards, one set of KYC documents.

What you get

⚡

10-minute issuance

From signup to a working virtual card in under 10 minutes after passport verification.

🌐

Visa or Mastercard

Pick Visa E-commerce ($35) for online or Mastercard Business ($50) with Apple Pay and Google Pay.

🪙

8 networks for top-up

ERC-20, TRC-20, BEP-20, Bitcoin, Polygon, Arbitrum, Optimism, Avalanche — all into one USDT balance.

Tariffs

Visa E-commerce

$35
  • Per transaction: $20,000
  • Daily / Monthly: Unlimited
  • Top-up fee: 3.5%
  • Auth fee: $0.10 (<$1), free above
  • Apple Pay / Google Pay: ❌
  • Best for: online services, ads, subscriptions, AI
Get Visa E-commerce

Mastercard Business

$50
  • Per transaction: $250,000
  • Daily / Monthly: $500K / $1M
  • Top-up fee: 3.5%
  • Auth fee: flat $0.50
  • Apple Pay / Google Pay: ✅
  • Best for: everything, online and offline
Get Mastercard Business

Security and compliance

Cards are issued through licensed BIN sponsors. All authorizations go through 3D Secure 2.0. Top-up traffic uses TLS 1.3. Light KYC at issuance (passport scan only — no selfie, no video call, no biometrics stored). Sanctions screening at issuance and per transaction against UN, EU, OFAC, UK HMT, and Swiss SECO lists. Full AML and KYC policies are published at /aml.html and /kyc.html.

Frequently asked questions

How long does issuance take?

Under 10 minutes from signup. Light KYC (passport scan) is verified by the card issuer partner, then the virtual card is ready in your wallet.

What is the total cost?

One-time card price ($35 Visa E-commerce or $50 Mastercard Business in USDT), plus a mandatory $10 USDT top-up that becomes your spendable balance, plus 3.5% top-up fee. No monthly fee.

Which currencies can I use for top-up?

USDT directly on any supported network: TRC-20, ERC-20, BEP-20, Polygon, Arbitrum, Optimism, Avalanche, or via Bitcoin. Other crypto (ETH, SOL, etc.) is converted to USDT at the moment of deposit confirmation.

Is KYC required?

Light KYC — a passport scan, no selfie, no video call. KYC is mandatory for compliance with international AML rules. We do not store biometric data.

Where can I use the card?

Anywhere Visa or Mastercard is accepted, except in jurisdictions under sanctions (UN, EU, US, UK lists). Mastercard Business adds Apple Pay, Google Pay, and offline POS payments worldwide.

Ready to get started?

Issue your card in under 10 minutes. Light KYC, no monthly fee, paid in USDT.

Get your card