Currency pairs and exchange rates
ExCards uses two rates. When a top-up confirms, your crypto is converted to USDT at the network's spot rate. When you pay a merchant in a currency other than USD, the card issuer converts USDT at its reference rate, which may include up to 2% over the interbank rate. Both rates are shown on every transaction record.
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Where the rates come from
ExCards uses two distinct rates. At top-up, the crypto-to-USDT conversion uses the spot rate from the supported network's primary liquidity pool at the moment of confirmation. At spending, the USDT-to-merchant-currency conversion uses the card issuer's reference rate, which may include up to a 2% markup over the interbank rate. Both rates are shown on every transaction record — no spread is hidden inside the displayed amount.
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 Universe ($29) for everyday spending with the lowest top-up fee, Visa E-commerce ($35) for online-first spending with no daily or monthly limit, or Mastercard Business ($50) for offline POS and business limits. Apple Pay and Google Pay work on all three.
Top up with any crypto
ERC-20, TRC-20, BEP-20, Bitcoin, Polygon, Arbitrum, Optimism, Avalanche and more — all into one balance.
Tariffs
Visa Universe
- Per transaction: $1,000,000
- Daily / Monthly: $3M / $3M
- Top-up fee: 2%
- Auth fee: $0.50
- Apple Pay / Google Pay: ✅
- Best for: everyday spending, lowest top-up fee
Visa E-commerce
- 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
Mastercard Business
- 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
Rates as of October 10, 2026
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 ($29 Visa Universe, $35 Visa E-commerce or $50 Mastercard Business in USDT), plus a mandatory $10 USDT top-up that becomes your spendable balance, plus the top-up fee: 2% on Visa Universe, 3.5% on Visa E-commerce and Mastercard Business. 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). Apple Pay and Google Pay work on all three cards; Visa E-commerce and Mastercard Business also pay at in-store terminals.
Ready to get started?
Issue your card in under 10 minutes. Light KYC, no monthly fee, paid in USDT.
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