Coin98 Fusion virtual cardStandard card design

Source checked23 sourcesLast checked Jul 26, 2026

Crypto-backed Visa credit card

Coin98 Fusion Card

Coin98 Fusion Card connects USDC and USDT top-ups to a virtual Visa issued through DCS Card Centre. It combines phone-wallet support, five documented funding networks and no recurring card fee, while keeping conversion costs, regional eligibility and unverified rewards visible.

No CEXFree base planStablecoin railsVisaATM accessApple Pay

View Coin98 Compare card

Partner link See details

Why it stands out

The virtual Visa works with both Apple Pay and Google Pay after KYC.
USDC and USDT top-ups cover Ethereum, Solana, Polygon, Base and Tron.
The current fee schedule lists no monthly or annual card fee.

Main trade-offs

Top-ups cost 1%, while some currency conversions add a separate 1.7%.
Cashback rate, reward asset and cap are not verified in current terms.
The physical card is still under development and cannot be ordered today.

01 · Core economics

Costs that matter

Coin98 Fusion Card has a $0 recurring entry cost. Funding, conversion, FX and cash-access charges are shown separately below.

ItemValueWhat it means

Monthly plan$0/moNo recurring monthly or annual card fee.

Virtual card$9 one-timeOne-time issuance and activation fee for the virtual card.

Top-up1%Charged when adding funds to the card account. This is separate from the digital-asset conversion fee.

Crypto conversion1%Applies when crypto is converted and is separate from the card top-up fee.

Foreign exchange1.7%Foreign-currency conversion fee under the current SGD programme.

Cross-border fee1.7%May apply to SGD transactions processed overseas under the current programme.

ATM withdrawal1% / min SGD 5The higher of 1% or SGD 5 applies; the ATM operator may add its own surcharge.

Limits and secondary feesLimits and other fees

Daily card spendNot statedListed

Monthly card spendNot statedListed

ATM limitSGD 10k/dayListed

Account depositNot statedListed

02 · Rewards programme

No public rewards schedule yet

Coin98 Fusion Card's current public card materials do not publish a purchase-reward schedule. Rates, reward asset and limits are still to be announced.

Current scheduleNot disclosed

Rates, reward asset and caps are not public yet

03 · Everyday use

How the card fits everyday use

See the available card formats, phone wallets and published account rails.

Card access

Visa networkAvailable
Virtual cardAvailable
Physical cardVirtual only
ATM withdrawalsAvailable

Wallets & apps

Apple PayAvailable
Google PayAvailable
iOS appAvailable
Android appAvailable
Web appNot disclosed

Account rails

Stablecoin depositsAvailable
USD bank detailsUnconfirmed
EUR bank detailsUnconfirmed
Local payoutsUnconfirmed
Card-funded top-upsCountry-specific

04 · Money in and out

How money enters, settles and leaves Coin98

Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.

Money inWays to fund or receive1 route

Crypto deposits

1 route

Crypto depositsCredits the separate DCS card prepayment balance for card spendingUSDCUSDTEthereumSolanaPolygon+2Fee1%SpeedNot confirmedLimitsNo top-up-specific public limit was confirmedAvailabilityConfirmed scopeDetails

Fee components

1% · transfer
1% · SEPA

More assets, currencies or networks

Base, Tron

Access path

Direct card balance

Asset / network map

USDC: Ethereum, Solana, Polygon, Base · USDT: Ethereum, Solana, Polygon, Tron

Availability

Supported asset and network combinations

Restrictions

Top-up requires an existing Coin98 Super Wallet address. The credited card balance becomes DCS property and is not held in trust or custody.

Balance & conversionHybrid settlement

Funding and settlement cross wallet and provider-controlled account boundaries.

What happens on receipt

How a received asset reaches the spendable balance depends on the supported asset and account setup.

Money outWays to send, withdraw or settle0 routes

Not publicly confirmed

No approved rails are mapped for this direction.

06 · Trust and eligibility

Where Coin98 is available and who supports the card

See current signup reach, identity checks and the organisations behind the card.

Identity & KYC

Required

Identity verification is required to access card services.

Availability

9 countries explicitly listed

The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.

Countries explicitly listed9 countries

AustraliaJapanMalaysiaPhilippinesSingaporeSouth KoreaTaiwanThailandVietnam

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productCoin98

Provides the product and account experience. Named legal operators appear separately.

Custody controlCoin98 + programme partners

Controls settlement until payment.

Hybrid custody

Card issuerDCS Card Centre Pte. Ltd.

Issues and administers the card programme, sets the credit limit and holds the card prepayment balance.

Jurisdiction: Singapore · Applies to: Coin98 Fusion Card programme

07 · Methodology

Why the score is 64

The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.

Missing or undisclosed fields receive no positive credit.

64/100

Moderate

Higher is better

Cost efficiency 63

Rewards value 15

Everyday usability 89

Funding & transfers 52

Availability & eligibility 59

Custody & control 59

Company & infrastructure 87

Key score driversLargest effects after applying the Overall category weights

Strongest lift89

Everyday usability

Visa spending includes virtual card, Apple Pay, Google Pay and ATM access.

Additional support87

Company & infrastructure

Named programme infrastructure includes DCS Card Centre Pte. Ltd. (issuer) and Visa (network).

Main constraint15

Rewards value

No current purchase reward rate is published, which keeps this category low.

08 · Evidence

Sources

23 sources23 officialChecked Jul 26, 2026

We check every published fact and value against official product, fee, membership and legal information covering costs, eligibility, rewards and custody.

Primary sourcesOfficial product, fee, membership and legal pages

DCS Coin98 Fusion Card Terms & ConditionsOfficial source ↗What are the differences between the USD Card and the SGD Card?Official source ↗Coin98 Fusion CardOfficial source ↗DeCard and Coin98 Partner to Launch Coin98 Fusion Card, Bringing Real-World Utility to Web3 AssetsOfficial source ↗Official Coin98 Fusion Card frontOfficial source ↗How to Issue and Use Coin98 Fusion CardOfficial source ↗

09 · Card comparison

How Coin98 Fusion Card compares to others

A side-by-side look at cards built around stablecoin funding, everyday Visa access and day-to-day use.

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Current card