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

MPChat conceptNot actual design

Source checked30 sourcesLast checked Sep 23, 2026

Stablecoin account + Visa card

MPChat Card

MPChat Card offers a Cloud virtual Visa for 10 USDT and a Boundless physical Visa for 100 USDT, both funded from a custodial MPChat Pay balance. MPChat lists no provider FX or cross-border markup, but charges 0.8% per purchase; Visa or issuer charges and the effective USDT conversion rate remain unquantified.

View MPChat Compare card

Partner link See details

5 USDT after first virtual card approvalReferral bonus All offers

Main strengths

Cloud is virtual and Boundless is physical, with separate one-time issuance fees.
MPChat lists zero provider FX and cross-border markup; network costs may apply.
MPChat lists daily, monthly and annual ceilings for the current card types.

Main trade-offs

A 0.8% purchase fee applies separately from any conversion or network cost.
Funds sit in MPChat Pay and must be allocated to the card before spending.
The full country list, issuer fees and effective USDT conversion remain unclear.

01 · Core economics

Costs that matter

MPChat charges 10 USDT to issue Cloud or 100 USDT to issue Boundless. It lists no recurring card fee or provider FX markup. Purchase, ATM, verification and possible third-party costs are detailed below.

ItemStandard tierWhat it means

Annual plan$0Competitive entry price

Cash fundingNot disclosedUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card

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 withdrawalBoundless only: 2%, minimum $1; Cloud has no ATM accessThe listed ATM charge can add up with routine cash use.

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

USD transaction$0.15Applies to transactions of $1 or less.

Physical card$100One-time physical card cost

Extra virtual cardFirst reissue $5; later reissues $10, at least 31 days apartAllowance: Cloud: 10 USDT one time

Limits and secondary feesLimits and other fees

ItemValueWhat it means

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

Verification checks$0.03 3DS; up to $1 Auth/VerifyConservative 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$1,000,000/monthUp 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

MPChat 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

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
Best fit: Check the plan price, rewards and limits before upgrading.

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
Best fit: Check the plan price, rewards and limits before upgrading.

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 cardAvailable
ATM withdrawalsAvailable

Wallets & apps

Apple PayTreat as unavailable (sources conflict)
Google PayAvailable
iOS appNot disclosed
Android appNot disclosed
Web appNot disclosed

Account rails

Crypto depositsVia provider account
Bank depositsNot confirmed
Crypto withdrawalsVia provider account
Fiat withdrawalsNot confirmed
Direct card top-upsNot supported

04 · Money in and out

How money enters, settles and leaves MPChat

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 receive1 route

Crypto deposits

1 route

Crypto depositsCredits custodial MPChat Pay; allocate to a card before spendingUSDTTron (TRC20)FeeNot confirmedSpeedNot confirmedLimits10 USDT minimum deposit and withdrawalAvailabilityConfirmed scopeDetails

Fee components

Fee terms are descriptive only

Access path

Via provider account

Asset / network map

USDT: Tron (TRC20)

Availability

Supported asset and network combinations

Restrictions

No fiat bank deposit rail is confirmed.

Balance & conversionAccount balance

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

What happens on receipt

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

Money outWays to send, withdraw or settle1 route

External crypto sends

1 route

External USDT withdrawalMove allocated card balance back to Pay before external withdrawal.USDTTron (TRC20)Fee0.1%SpeedNetwork-dependentLimitsMinimum 10 USDTAvailabilityConfirmed scopeDetails

Fee components

0.1% · transfer

Access path

Via provider account

Asset / network map

USDT: Tron (TRC20)

Availability

Tron (TRC20)

Restrictions

Move allocated card balance back to Pay before external withdrawal.

06 · Trust and eligibility

Where MPChat 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

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

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.

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

Bonuses, promotions and product updates for 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

10 · Evidence

Sources

30 sources30 officialChecked Sep 23, 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

siteOfficial source ↗card termsOfficial source ↗user agreementOfficial source ↗fee tableOfficial source ↗variantsOfficial source ↗cloudOfficial source ↗

Help keep this page accurate

Found outdated or incorrect information?

Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.

Report a correction to this card

MPChat Card

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
Best fit: Check the plan price, rewards and limits before upgrading.

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
Best fit: Check the plan price, rewards and limits before upgrading.

MPChat Card

Costs that matter

No public rewards schedule yet

Memberships

Cloud Card

Boundless Card

How the card fits everyday use

Card access

Wallets & apps

Account rails

Fee components

Access path

Asset / network map

Availability

Restrictions

Fee components

Access path

Asset / network map

Availability

Restrictions

Identity & KYC

Availability

Who handles what

Why the score is 52

Everyday usability

Cost efficiency

Rewards value

Latest from MPChat Card

First virtual card referral reward

Sources

Understand what sits behind the numbers

How crypto cards actually spend your money

How FX fees and conversion costs really work

Cashback traps explained

Found outdated or incorrect information?

MPChat Card

Costs that matter

No public rewards schedule yet

Memberships

Cloud Card

Boundless Card

How the card fits everyday use

Card access

Wallets & apps

Account rails

Fee components

Access path

Asset / network map

Availability

Restrictions

Fee components

Access path

Asset / network map

Availability

Restrictions

Identity & KYC

Availability

Who handles what

Why the score is 52

Everyday usability

Cost efficiency

Rewards value

Latest from MPChat Card

First virtual card referral reward

Sources

Understand what sits behind the numbers

How crypto cards actually spend your money

How FX fees and conversion costs really work

Cashback traps explained

Found outdated or incorrect information?