Use Cryptocurrency
In Your Daily Life
UpFinance Card is a next-generation fintech payment solution that manages both cryptocurrency and fiat currency with a single card.
Global Payment Network
What is UpFinance Card?
UpFinance Card is a payment card service that allows you to make payments and withdrawals based on your cryptocurrency or fiat currency balance. You can convert BTC, ETH, USDT and other cryptocurrencies to fiat in real-time and use them anywhere online or offline.
Get Started in 3 Steps
No complicated paperwork — start paying worldwide in just three steps.
KYC Verification
Activate your account with quick identity verification.
USDT Deposit
Top up USDT to your wallet and you are ready to go.
Pay Worldwide
Pay freely at 130M+ Visa merchants.
Asset Flow & Exchange
Experience the freedom of movement between crypto and fiat. Visa merchants, 50+ global fiat currencies supported.
Key Features
Real-time Crypto Payment
Store BTC, ETH, USDT in your wallet and convert to fiat currency in real-time for payments.
Physical Card
Get a physical card for POS payments and ATM cash withdrawals. Use it anywhere like a regular card.
Virtual Card
Start using immediately with a virtual card perfect for online payments and subscription services.
Global Usage
Available in many countries worldwide. Use it like a regular payment card at online and offline stores.
Wallet Integration
Card usage is automatically deducted and settled from your wallet balance (Crypto/Fiat).
Secure Management
Safely manage your assets on a digital finance platform that handles both fiat and cryptocurrency.
Card Benefits at a Glance
Tiers, fees, transfers and security — the key benefits of the UpFinance card.
Flexible Card Tiers
Choose the card that fits your needs.
- Gold·Black·Blue cards
- Up to $250,000 daily limit
- Physical + virtual cards
Transparent Fees
A simple structure with no hidden costs.
- 3% swap fee
- $0 monthly fee
- Know the amount before you pay
Global Transfers & ATM
Move money anywhere in the world.
- SWIFT·Wire multi-currency transfers
- Visa ATM withdrawals worldwide
- USD·USDT settlement
Asset Security
Held by a licensed, regulated trust.
- Merits Trust licensed custody
- 100% client fund segregation
- Regulatory oversight
Fees, limits, custody and related details may change and may differ from the actual status.
Card Types
Physical Card
- POS Terminal Payment
- ATM Cash Withdrawal
- International Merchants
- Contactless Payment
Virtual Card
- Instant Issuance
- Online Payments Only
- Subscription Services
- High Security
One Card, Every Asset
Crypto or fiat — meet the UpFinance card lineup and pick the design that's yours.
Compare Cards Which card is right for you?
Select a card to see the details.
Gold Card
· Fee & Limit OverviewIssuance & Maintenance
- Monthly fee
- USD 1.00 / moFirst 6 months free
- Physical card fee
- USD 100.00One-time
Top-up & Withdrawal
- Stablecoin top-up
- Free
- Crypto withdrawal (BSC/ETH)
- USD 1.00
- Crypto withdrawal (TRON)
- USD 1.00
Transaction Fees
- ATM withdrawal
- 1% + USD 0.65
- Auth fee (Overseas)
- USD 0.20 – 0.70
- Auth fee (Domestic)
- USD 0.12 – 0.20
FX & Settlement
- Swap (Stablecoin→USD)
- 3%
- FX fee
- Pass-through (ISA 1%–2%)
- Overseas transfer
- FX + Country-specific feeIndustry lowest fee
Limits
Support & Compliance
- Chargeback support
- USD 50.00
- Payment stop (VSPS)
- USD 5.00
Digital Wallets
- Google PaySupported
- Apple PaySupported
Fee & Limit Overview · UpFinance
Card Specs At a Glance
| Card | KYC | Daily Limit | Per Transaction | ATM (daily) | Issuance |
|---|---|---|---|---|---|
Gold VISA · Physical | KYC required | $250,000 | $20,000 | $3,000 | $100 |
Black VISA · Physical | KYC required | $250,000 | $20,000 | $1,500 | $100 |
Blue Mastercard · Virtual | Instant issue | $250,000 | $20,000 | — | $25 |
Monthly fee $1/mo (first 6 months free) · Swap fee 3%
Physical cards (Gold · Black) ship for an extra $30
* Limits and fees may change and may differ from actual.
Strategic & Operational Advantage
How UpFinance compares to major crypto card services.
| Comparison | UpFinance | RedotPay | Tevau |
|---|---|---|---|
| Type of company | Full payment network for individuals, businesses & banks | Crypto spending card & wallet | Crypto spending card & wallet |
| Products offered | Personal cards + business tools + payment infrastructure | Personal wallet & card | Personal wallet & card |
| Payment processing | Direct processing (no intermediary) | Depends on card issuer | Depends on card issuer |
| Real bank integration | Direct integration (HK·EU·SG·US) | None | None |
| Account in your name | Yes (EU·UK·ME·SG·AU·US) | No | No |
| Investing available | Yes (stocks & real-world assets) | No | No |
| Interest earnings | Flexible savings + fixed deposits | Flexible savings only | No |
| Business payment tools | Payroll, suppliers, bulk transfers | No | No |
| Transaction size | Millions of dollars per transaction | Small retail only | Small retail only |
Comparison is based on public information and may differ from actual details.
Borderless Payments in 150+ Countries
Connected to Visa, Mastercard, SWIFT and 10+ mainnets — move funds in real time and pay at 130M+ merchants anywhere in the world.
One platform. Every financial service.
From crypto exchange to yield earning — UpFinance is your complete global financial hub.
Up Swap
Real-time Conversion
Up Pay
Global Payment Infra
Up Card
Visa Card
Up Fun
Prediction Market
Up Invest
RWA Investment
Up Earn
Earn Yield
Available services, yields and product composition may change and may differ from actual.
Trusted Worldwide, Globally Compliant
Operating under the regulatory frameworks of major financial jurisdictions, so you can use it with confidence.
US · FinCEN
UK · FCA
HK · SFC
AU · AUSTRAC
CA · FINTRAC
CH · VQF
LT · EMIDisplayed license and regulatory registration information may change and may differ from the actual status.
Your assets. Always yours.
All client assets (USDT and fiat) are held in segregated accounts under Merits Trust — an independent trust institution regulated under Hong Kong financial authorities. Your funds never mix with operational capital and move only on your explicit instruction.
Merits Trust Custody
Independent custody under Hong Kong financial regulatory oversight.
Fully Segregated
Client funds and operational capital are strictly separated at all times.
Client-Only Movement
Assets move exclusively based on authenticated client instructions.
Multi-Jurisdiction
ASIC · FCA · VQF and 7 major financial authorities worldwide.
聯合信託有限公司
Verifiable directly on the official Hong Kong Government website.
Verify on HK TCSP Registry →Is the trust company legitimate?
Search license number TC008817 directly on the Hong Kong Government site — anyone can verify it instantly.
Is my money safe?
Funds are held at a partner bank. You can log in to the bank app directly to check your balance anytime.
Real-time balance disclosure?
Not possible due to the nature of trust structures, but you can check your personal balance directly via the bank app.
Displayed license and regulatory registration information may change and may differ from the actual status.
Get Started Today
Experience the freedom of using cryptocurrency in your daily life
Apply Now※ Please check fees and regional regulations in advance.
Scan the QR code to install the Up Finance app
Tap "Add to Home Screen" in your browser menu to install as an app
Ready to use
app.upfinance.ai
Card Purchase
After completing your card application, you can purchase the card by following the steps below.
Step 1. Apply for Card
First, apply for a card on the UpFinance app.