Karta Visa SignatureStandard card design

Source checked26 sourcesLast checked Aug 11, 2026

Stablecoin account + Visa card

Karta Personal Card

Karta Personal is a Visa Signature managed in a Telegram Mini App and funded from a USDT balance created from supported stablecoin deposits. The virtual card is live, physical cards are on preorder, and Apple Pay, Google Pay and crypto payouts are supported.

Self-custodyFree base planStarter-friendlyStablecoin railsVisaATM access

View Karta Compare card

Partner link See details

Main strengths

USDT and USDC deposits span seven shared networks, with Tron for USDT.
Apple Pay and Google Pay also enable withdrawals at contactless ATMs.
Five payout assets can be sent across 22 networks for a 0.1% service fee.

Main trade-offs

Up to 3% FX, 1% Visa and up to 3% cross-border are listed separately.
Karta offers no native iOS or Android app and no standalone web app.
The full issuance-country list and physical-card shipping price are unknown.

01 · Core economics

Costs that matter

Karta Personal 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 plan fee on the current entry offer

Stablecoin depositsFree on 7 networks; 5.90 USDT on TRC-20The TRC-20 amount is a provider deposit fee. Ordinary blockchain gas remains external and is excluded from card-fee scoring.

Physical-card preorderPlastic 99 USDT; Metal LED 299 USDTThese are preorder prices. First shipments are planned for September and October 2026, but exact dates are not confirmed.

Physical-card shippingApplies; amount unknownKarta says the charge depends on country, shipping method and card type and will be shown before shipment.

Issuer foreign-transaction feeUp to 3%Karta's published issuer charge for eligible foreign-currency transactions.

Card network conversion surcharge1%Visa lists this separately for non-USD payments and withdrawals.

Cross-border feeUp to 3%May apply to cross-border transactions and is listed separately from the issuer and Visa charges.

ATM withdrawalUSD 1 + 2.5%Per successful contactless withdrawal. A declined attempt costs USD 1; ATM operator and foreign-payment fees may apply separately.

Card spending1.5%Applies to card payments independently of foreign-currency charges.

Limits and secondary feesLimits and other fees

Declined transactionNot disclosedNot disclosed

Daily card spendNot disclosedListed

Monthly card spendNot disclosedListed

ATM limit$250/withdrawalListed

Account depositNot disclosedListed

02 · Rewards programme

Card features and spending mechanics

Karta Personal Card focuses on its spending and account features. The current card programme does not add purchase cashback or points.

Purchase rewardsNot offered

Current card programme

03 · Everyday use

How the card fits everyday use

See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.

Card access

Visa networkAvailable
Virtual cardAvailable
Physical cardPreorder
ATM withdrawalsAvailable

Wallets & apps

Apple PayAvailable
Google PayAvailable
Telegram Mini AppAvailable
iOS appNot offered
Android appNot offered
Web appNot offered

Account rails

Crypto depositsVia provider account
Bank depositsComing soon
Crypto withdrawalsVia provider account
Fiat withdrawalsComing soon
Direct card top-upsNot supported

04 · Money in and out

How money enters, settles and leaves Karta

The card uses the provider account balance. Account funding and withdrawal routes are included only when they feed that same card-linked account; they are not presented as direct card top-ups.

Money inWays to fund or receive2 routes

Crypto deposits

1 route

Crypto depositsCredited into the single global USDT balance, typically in 1-10 minutes and rarely up to one hour · Converted immediately into the single global USDT balance, typically in 1-10 minutes and rarely up to one hourUSDTUSDCPolygonBaseOptimism+5FeeNo fixed feeSpeedNot confirmedLimitsMinimum 1 USDT on the seven shared networks; 15 USDT on Tron · Minimum 1 USDT-equivalent deposit; no maximum publishedAvailabilityConfirmed scopeDetails

Fee components

No provider transfer fee

More assets, currencies or networks

BNB Smart Chain, Arbitrum, Solana, Ethereum, Tron

Access path

Direct card balance

Asset / network map

USDT: Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana, Ethereum, Tron · USDC: Polygon, Base, Optimism, BNB Smart Chain, Arbitrum, Solana, Ethereum

Availability

Supported asset and network combinations

Account setup

wallet

Restrictions

The Tron receive route supports USDT only. No per-network maximum is published.

Bank deposits: Coming soon

1 planned route

Bank depositsCurrent help says bank transfers are not live; broader homepage receive wording is not used as current availability.USDEURFeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityNot confirmedDetails

Fee components

Fee terms are descriptive only

Access path

Via provider account

Availability

Current help says bank transfers are not live; broader homepage receive wording is not used as current availability.

Fee scope

Not available; current pricing is not active

Limit scope

Not publicly confirmed

Balance & conversionWallet control

Assets stay in the connected wallet until an authorized spend or transfer action.

What happens on receipt

Stablecoin receive rails are live.

Money outWays to send, withdraw or settle3 routes

External crypto sends

1 route

External crypto payoutSends supported assets through the listed crypto transfer route.USDTUSDCUSDeETHWBTCFee0.1%SpeedNetwork-dependentLimitsMinimum 1 USDT; maximum not publicly disclosedExternal costExternal on-chain feeDetails

Fee components

0.1% · transfer
External on-chain fee

Access path

Via provider account

Availability

Five assets across 22 listed networks; exact asset/network matrix varies

External cost scope

0.1% provider service fee; external network fee is 4.90 USDT on Ethereum/Tron, 2.90 USDT on Solana and 0.90 USDT on other listed networks

Account setup

wallet

Internal transfers: Coming soon

1 planned route

Karta-to-Karta transferInternal user transfers are not currently live.FeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityNot confirmedDetails

Fee components

Fee terms are descriptive only

Access path

Via provider account

Availability

Coming soon

Fee scope

Not available

Limit scope

Not publicly confirmed

Restrictions

Internal user transfers are not currently live.

Bank transfers & payouts: Coming soon

1 planned route

Bank payoutThe current transfer-method help page controls availability; homepage pricing is retained only as forward-looking evidence.FeeNot confirmedSpeedVaries by railLimitsNot confirmedAvailabilityNot confirmedDetails

Fee components

Fee terms are descriptive only

Access path

Via provider account

Availability

Coming soon; no live country or rail matrix

Fee scope

Not available; forward-looking SEPA/SWIFT prices are not active

Limit scope

Not publicly confirmed

Restrictions

The current transfer-method help page controls availability; homepage pricing is retained only as forward-looking evidence.

06 · Trust and eligibility

Where Karta 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.

Verification provider: Sumsub

Availability

7 countries listed as regional guidance

These entries are regional guidance rather than a complete signup list. A missing country is not treated as unavailable; confirm eligibility during signup.

Explicit restrictions: 1 countryThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.
Final access check: Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.

Countries listed as regional guidance7 countries

CubaIranNorth KoreaRussiaSyriaUkraineVenezuela

Explicit restriction list1 country

United States

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productKarta

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

Custody controlCardholder

Retains control of funds until payment.

Self-custody

Programme operatorKarta Finance, Inc.

Karta Personal product and programme access

Jurisdiction: Delaware, United States

Card issuerNimbus LLC d/b/a Third National

Card issuance

Jurisdiction: Puerto Rico, United States

Custody / key managementPrivy

Embedded wallet infrastructure

Applies to: Wallet path only; not the card issuer settlement account

Identity verificationSumsub

KYC and identity verification

07 · Methodology

Why the score is 61

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.

61/100

Moderate

Higher is better

Cost efficiency 43

Rewards value 0

Everyday usability 89

Funding & transfers 79

Availability & eligibility 50

Custody & control 92

Company & infrastructure 81

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 support92

Custody & control

Self-custody; funds remain user-controlled before payment.

Main constraint0

Rewards value

No purchase cashback is included in the confirmed product terms.

08 · Evidence

Sources

26 sources25 officialChecked Aug 11, 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

Who can get a Karta Personal cardOfficial source ↗Countries where the Karta card does not workOfficial source ↗Karta Personal Card TermsOfficial source ↗Karta Personal safety, legal and KYC providersOfficial source ↗Getting started with Karta and identity verification timingOfficial source ↗Karta | Virtual crypto cardOfficial source ↗

09 · Card comparison

How Karta Personal Card compares to others

A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.

1 / 3

Current card