Unlike traditional exchanges, we focus on spending utility. No complex
trading interfaces—just a card that works.
Shop Offline & Online
Use your card at 80+ million merchants worldwide. If they accept debit cards, they accept
your USDT.
Borderless Payments
Traveling? Pay in local currencies without exorbitant bank exchange fees. Perfect for
digital nomads and crypto-earners.
Instant Crypto-to-Fiat Conversion
No need to pre-sell your crypto. Top up your card balance in USDT, and the transaction is
processed in local currency (USD, EUR, GBP) instantly at the point of sale.
Virtual & Physical Options
Get a virtual card instantly for Apple Pay/Google Pay or order a physical plastic/metal card
for ATM withdrawals.
Benefits
How to start spending USDT in 3 steps
We made the off-ramp process seamless. You are 5 minutes
away from your first purchase.
Register & Verify
Sign up at EXCARDS and complete a quick identity check (KYC) to ensure secure banking
compliance.
Get Your Card
Top Up & Spend
Security
What can you pay for with USDT?
Your EXCARDS balance works exactly like a traditional bank card, but
powered by blockchain.
Daily Essentials
Supermarkets, gas stations, pharmacies
Subscriptions
Netflix, Spotify, Amazon Prime, SaaS tools
Travel
Booking.com, Airbnb, Uber, and airlines
Luxury & Tech
Buy Apple products or cars directly with your crypto gains
Frequently Asked Questions about USDT Cards
How does a USDT card work?
You top up your card balance in USDT (ERC-20, TRC-20, BEP-20, Bitcoin, Polygon, Arbitrum, Optimism, or Avalanche). When you pay, the USDT balance is debited and the merchant receives fiat (USD/EUR/etc.) at the network rate.
Where can I use my ExCards crypto debit card?
Visa E-commerce works wherever Visa is accepted online — subscriptions, AI services (OpenAI, ChatGPT), ad platforms (Meta, Google, TikTok), SaaS tools, marketplaces. Mastercard Business adds Apple Pay, Google Pay, and offline POS at 80M+ merchants worldwide. Cards do not work inside sanctioned countries.
Are there fees for topping up with USDT?
Yes — 3.5% on top-up for both cards. There is no monthly fee. Per-transaction authorization: Visa E-commerce = $0.10 for transactions under $1 (free above $1), Mastercard Business = flat $0.50. Issuer may charge additional FX conversion fees depending on the card's country and operation currency.
Is this a non-custodial card?
No, the card balance is custodial (held with our card issuer partner). However, your main USDT wallet stays under your control until you choose to fund a card. You move USDT to the card balance only when you want to spend it.
Can I withdraw cash from ATMs?
Currently no — both our cards are virtual. ATM cash withdrawal requires a physical card, which we don't offer yet. For offline payments, Mastercard Business supports Apple Pay and Google Pay tap-to-pay at any POS terminal.
Ready to start spending USDT?
Issue your card in 10 minutes. Light KYC, USDT-funded, Visa or Mastercard.
