Unofficial MPChat-inspired card design concept; not an issued card design

MPChat conceptNot actual design

Source checked30 sourcesLast checked Nov 12, 2026

Stablecoin account + Visa card

MPChat Card

MPChat offers Cloud virtual and Boundless physical Visa cards funded from custodial MPChat Pay. Its indicative purchase totals are about 1% in USD or 1.8–2.2% in other currencies, including the 0.8% purchase fee, variable USDT conversion and applicable issuer FX.

View MPChat Compare card

Partner link See details Coupon ID: 76912265

5 USDT after first virtual card approvalReferral bonus All offers

Best fit

MPChat Pay users allocating USDT to a separate Visa spending balance.
Choosing Cloud for online payments or Boundless for physical-card use.
Occasional card use with a one-time issuance price and no monthly plan fee.

Before you choose

Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Entry plan$0 / yearCloud Card tier.

Provider FX markup0%FX cost matters most when spending outside USD.

Cross-border fee0% MPChat markupMPChat lists cross-border charges as pass-through. Visa/issuer fees may still apply, and the separate purchase fee and effective USDT conversion cost remain outside this markup figure.

ATM withdrawal2%; min. $1Boundless only: 2%, minimum $1; Cloud has no ATM access. The listed ATM charge can add up with routine cash use.

Card spending0.8%Check whether this applies before large purchases.

USD transaction$0.10Additional fee for purchases of $1 or less. The separate 0.8% purchase fee still applies.

Physical card$100One-time physical card cost

Extra virtual card$5 / $10First reissue $5; later reissues $10, at least 31 days apart. Allowance: Cloud: 10 USDT one time

Limits and secondary fees

ItemValueConditions & scope

Declined transaction$0.80Small failed transactions can still create nuisance fees.

Verification checks$0.03 / up to $1$0.03 3DS; up to $1 Auth/Verify. Conservative published-rate budget: a 3DS attempt may cost $0.03 without a waiver, and a separate Auth/Verify test may cost up to $1 after 10 free monthly. MPChat has also published a version treating them as one fee, so do not assume both always apply. Check the in-app fee screen.

Daily card spend$250,000/dayUp to $250,000 and conservatively 50 purchases per day; app limits may be lower

Monthly card spend$1M / month$1,000,000/month. Up to $1,000,000 per month; app limit may be lower

Annual card spend$2,000,000

ATM limit$1,500/dayBoundless: up to $1,500 per withdrawal and day; $15,000 monthly

Account depositNot disclosedPay deposit minimum received is 10 USDT; maximum not established

02 · Rewards programme

No public rewards schedule yet

Current scheduleNot disclosed

Rates, reward asset and caps are not public yet

Memberships

Upgrade

Cloud Card

Virtual prepaid Visa

$0/yr

Cashback: Cashback not disclosed
Requirement: 10 USDT one-time issuance fee
Virtual cards: Included
Physical card: Not this tier
ATM: Not listed

Upgrade

Boundless Card

Physical prepaid Visa

$0/yr

Cashback: Cashback not disclosed
Requirement: 100 USDT one-time issuance fee
Virtual cards: Not this tier
Physical card: Included
ATM: 2%, minimum $1

Reward conditions & details

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

03 · Everyday use

Card access & apps

Card access

Visa network
Virtual card
Physical card
ATM withdrawals

Wallets & apps

Apple PayNot available
Google PayCountry-specific
iOS appNot confirmed
Android appNot confirmed
Web appNot confirmed

04 · Money in and out

Balance, payments & transfers

Balance & payments

Account balance

Funds sit in a custodial account balance before card spend or payout.

Conversion

USDT on Tron enters MPChat Pay; direct bank deposits and payouts are not supported.

Money in

Crypto depositsUSDTFeeNot confirmedDetails

Access path: Via provider account
Networks by asset: USDT: Tron (TRC20)
Conditions: No fiat bank deposit rail is confirmed.
Timing: Not confirmed
Limits: 10 USDT minimum deposit and withdrawal
Fee conditions: Minimum 10 USDT net received; network-side costs are external
How it works: Credits custodial MPChat Pay; allocate to a card before spending

Money out

External USDT withdrawalUSDTFee0.1%Details

Access path: Via provider account
Networks by asset: USDT: Tron (TRC20)
Conditions: Move allocated card balance back to Pay before external withdrawal.
Timing: Network dependent
Limits: Minimum 10 USDT
Fee conditions: 2.1 USDT; additional 0.1% above 5,000 USDT in daily withdrawals
Fee breakdown: 0.1% · transfer

06 · Trust and eligibility

Availability & providers

Identity & KYC

Required

Identity verification is required to access card services.

Availability

Availability unknown

Known restrictions are listed, but a complete allowed-country list is not available.

Explicit restrictions: 23 countriesThese reviewed jurisdiction records are hard exclusions; locations outside the list still require the normal signup and identity checks.

Explicit restriction list23 countries

AfghanistanBelarusCentral African RepublicCongo, Democratic Republic of theCubaDominican RepublicGuinea-BissauHaitiIranIraqLebanonLibyaMaliMyanmarNorth KoreaRussiaSomaliaSouth SudanSudanSyriaVenezuelaYemenZimbabwe

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productMPChat

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

Custody controlMPChat + programme partners

Controls settlement until payment.

Custodial account

07 · Methodology

Why the score is 52

Missing or undisclosed fields receive no positive credit.

52/100

Mixed

Higher is better

Cost efficiency 69

Rewards value 0

Everyday usability 96

Funding & transfers 63

Availability & eligibility 38

Custody & control 44

Company & infrastructure 35

Key score driversLargest effects after applying the Overall category weights

Strongest lift96

Everyday usability

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

Additional support69

Cost efficiency

No monthly fee and 0% FX fee shape the day-to-day cost profile.

Main constraint0

Rewards value

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

08 · Offers & news

Latest from MPChat Card

Offer5 USDT after first virtual card approvalReferral bonusActive

First virtual card referral reward

5 USDT in MPChat Pay after approval of the referred user's first virtual card, subject to entering coupon ID 76912265 during activation.

No published end dateChecked Sep 23, 2026

See all 1 offer for MPChat Card

09 · Card comparison

How MPChat Card compares to others

1 / 3

Current card

MPChat Card

MPChat lists daily, monthly and annual ceilings for the current card types.

Card: Prepaid Visa, Virtual + Physical
Funds control: Custodial balance
Cashback: Not confirmed
FX fee: 0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate.
Apps: iOS, Android + Web app not confirmed
Stablecoin set: USDT
Transfers & payouts: Crypto transfers

Similar match

Pionex Card

Deposits and withdrawals inherit supported routes from the Pionex account.

Card: Prepaid Visa + Mastercard, Virtual only
Funds control: Custodial balance
Cashback: 0.1%–1%
FX fee: Not confirmed
Apps: iOS, Android + Web app not confirmed
Stablecoin set: USDT
Transfers & payouts: Crypto, Bank + Internal transfers

Similar match

RedotPay Visa Platinum card front visual

RedotPay Card

A crypto-funded prepaid card with virtual, physical and phone-wallet access.

Card: Prepaid Visa, Virtual + Physical
Funds control: Custodial balance
Cashback: 0%–3%
FX fee: 1.2%–2%
Apps: iOS, Android · Web app not confirmed
Stablecoin set: USDT + USDC
Transfers & payouts: Crypto + Bank transfers

Want a deeper comparison?

Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.

Compare Cards

10 · Evidence

Sources

30 sources30 officialLast checked Nov 12, 2026Profile updated Oct 31, 2026

Latest documented source or profile check. Individual facts can have older evidence; unconfirmed details remain listed below.

Primary sourcesOfficial product, fee, membership and legal pages

MPChat phone-wallet POS country restrictionsOfficial source ↗MPChat current card feesOfficial source ↗MPChat purchase cost components and indicative totalsOfficial source ↗MPChat Flash retirement and Cloud migrationOfficial source ↗siteOfficial source ↗card termsOfficial source ↗

Unconfirmed details7 items

These details have not been verified for this profile. Missing information does not mean a service is free or available.

3 material conflicts need review
Named Card Issuer is not confirmed
Visa Issuer Fx Pass Through Fee is not confirmed
Effective Conversion Spread is not confirmed
Card Purchase Cashback is not confirmed
Physical Shipping Fee is not confirmed
Physical Shipping Regions is not confirmed

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