Referral program
The ExCards referral program pays you a share of the platform fees that people you invite generate, not a one-off signup bonus. The share starts at 20% and rises to 40% at the top tier, depending on your referrals' activity. Commissions are paid weekly in USDT, and the current rate table is in the app after signup.
Get your card Compare cardsHow the referral commission works
The referral commission is paid as a percentage of the platform fees generated by your referrals — not a fixed bonus on signup. Tiers run from 20% on the entry level to 40% at the VIP level, with the tier determined by the total volume of referrals' activity over a rolling window. Commissions are paid in USDT to your wallet weekly. Detailed rules and the current commission table are available inside the app after signup.
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.
Get your card