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Your comparison2 of 4 cards selected
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Unofficial MPChat-inspired card design concept; not an issued card design
52Overall

Best fit

  • MPChat Pay users allocating USDT to a separate Visa spending balance.
  • Choosing Cloud for online payments or Boundless for physical-card use.

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.
Read review
Black OKX Visa Platinum virtual card front
82Overall

Best fit

  • Using an existing OKX Pay balance for online and phone-wallet Visa payments.
  • Foreign purchases with no additional OKX markup over the network rate.

Before you choose

  • Only USDG-funded purchases earn cashback; Regular rewards cap at $5/month.
  • Global does not mean worldwide issuance; Singapore is the confirmed market.
Read review
2 of 4 cards selected

Fees, rewards & everyday use

Compare the details

01

Scores

Overall Score
MPChat Card: 52
OKX Card (Global): 82
Cashback score
MPChat Card: 18
OKX Card (Global): 71
Travel score
MPChat Card: 72
OKX Card (Global): 61
Funds control score
MPChat Card: 41
OKX Card (Global): 75
Lowest fees score
MPChat Card: 60
OKX Card (Global): 86
Transfers score
MPChat Card: 58
OKX Card (Global): 75
02

Costs

Plan cost
MPChat Card: $0
OKX Card (Global): $0
FX fee
MPChat Card: 0%
OKX Card (Global): 0%
Top-up fee
MPChat Card: USDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
OKX Card (Global): 0%
Card spending fee
MPChat Card: 0.8%
OKX Card (Global): Not disclosed
ATM fee
MPChat Card: Boundless only: 2%, minimum $1; Cloud has no ATM access
OKX Card (Global): Not available
Virtual card
MPChat Card: Cloud: 10 USDT one time
OKX Card (Global): $0
Physical card
MPChat Card: $100
OKX Card (Global): Not available
Asset conversion fee
MPChat Card: Not disclosed
OKX Card (Global): 0%
03

Plans & rewards

Entry plan
MPChat Card: Cloud Card
OKX Card (Global): Regular
Base cashback
MPChat Card: Not disclosed
OKX Card (Global): 2%
Max cashback
MPChat Card: Not disclosed
OKX Card (Global): 10%
Reward currency
MPChat Card: Not disclosed
OKX Card (Global): USDG
Cashback cap · entry plan
MPChat Card: Not disclosed
OKX Card (Global): $5 / month
Full-rate spend · entry plan
MPChat Card: Not disclosed
OKX Card (Global): $250 / month
Rate after spend cap · entry plan
MPChat Card: Not disclosed
OKX Card (Global): 0%
Top cashback plan
MPChat Card: Not disclosed
OKX Card (Global): VIP 4+
Cashback on top plan
MPChat Card: Not disclosed
OKX Card (Global): 10% in USDG
Cashback cap · top plan
MPChat Card: Not disclosed
OKX Card (Global): $800 / month
Full-rate spend · top plan
MPChat Card: Not disclosed
OKX Card (Global): $8,000 / month
Rate after spend cap · top plan
MPChat Card: Not disclosed
OKX Card (Global): 0%
Top plan price / access
MPChat Card: Not disclosed
OKX Card (Global): $0/yr
Top plan qualification
MPChat Card: Not disclosed
OKX Card (Global): OKX VIP 4+ status
Reward payout
MPChat Card: Not disclosed
OKX Card (Global): See payout schedule
04

Everyday use

Network
MPChat Card: Visa
OKX Card (Global): Visa
Card formats
MPChat Card: Virtual, Physical
OKX Card (Global): Virtual
ATM withdrawals
MPChat Card: Available
OKX Card (Global): Not available
Mobile wallets
MPChat Card: Google Pay
OKX Card (Global): Apple Pay, Google Pay
Apps
MPChat Card: Not disclosed
OKX Card (Global): iOS, Android
Daily spending limit
MPChat Card: $250,000 / day
OKX Card (Global): See regional limits
Monthly spending limit
MPChat Card: $1,000,000 / month
OKX Card (Global): No fixed monthly amount is published; balance and risk controls apply.
ATM limit
MPChat Card: $1,500 / day
OKX Card (Global): ATM withdrawals are not supported.
05

Money in & out

Networks
MPChat Card: Tron (TRC20)
OKX Card (Global): X Layer, Ethereum, TRON, Arbitrum, Base +2
Stablecoin deposits
MPChat Card: USDT
OKX Card (Global): USDT, USDC, USDG
Other crypto deposits
MPChat Card: Not disclosed
OKX Card (Global): Not disclosed
Fiat deposits
MPChat Card: Not disclosed
OKX Card (Global): Not disclosed
Crypto transfers
MPChat Card: External USDT withdrawal
OKX Card (Global): External wallet send
Internal transfers
MPChat Card: Not disclosed
OKX Card (Global): OKX Pay contacts, Transfer to OKX Exchange
Bank transfers
MPChat Card: Not disclosed
OKX Card (Global): Not disclosed
Payout currencies
MPChat Card: Not disclosed
OKX Card (Global): Not disclosed
06

Earn

Advertised APY
MPChat Card: Not offered
OKX Card (Global): Up to 10% APY
How it works
MPChat Card: Not offered
OKX Card (Global): Earn on spending balance
Separate deposit
MPChat Card: Not offered
OKX Card (Global): No
Use balance for spending
MPChat Card: Not offered
OKX Card (Global): Yes
Lock-up
MPChat Card: Not offered
OKX Card (Global): Not disclosed
07

Trust & sources

Custody
MPChat Card: Custodial
OKX Card (Global): Hybrid custody
Control until payment
MPChat Card: Provider controls funds
OKX Card (Global): You keep control
Card issuer
MPChat Card: Not disclosed
OKX Card (Global): Xfers Pte. Ltd. (StraitsX), Bano Pty Ltd
Card processing
MPChat Card: Not disclosed
OKX Card (Global): OKX
Official sources
MPChat Card: 30
OKX Card (Global): 13
Last reviewed
MPChat Card: Nov 12, 2026
OKX Card (Global): Nov 12, 2026

Using the comparison

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Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.

How do I add or replace a card?

Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.

Which plan do the cashback figures describe?

Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.

What is the difference between the cashback caps?

A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.

Does Not disclosed mean a fee is zero?

No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.

Do partner offers influence the scores?

No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.

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