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A stablecoin card with real-time spend control — Virtual to 18K Gold

Issue a virtual card in 30 seconds, a physical card in 3 days. Pay with your stablecoin balance anywhere Visa is accepted. Lock the card, set per-merchant caps, decline-on-sight, all from the app.

Get a card See card tiers

Local card

HKD Card

HK spending · 0 transaction fee

Use the card for any Hong Kong merchant — no per-purchase fee on HKD spending. Settle from your HKD balance with no spread.

Withdrawal daily limit up to 80,000 HKD*

*Only major banks (HSBC, Hang Seng, BOC, Standard Chartered). Subject to the bank’s own daily cap.

FX rate · pass through + 0.4%

When you spend in a non-HKD currency, the rate is mid-market plus 0.4%. Fixed — does not change with VIP tier upgrade.

Global card

USD Card

Global spending · transaction fee as low as 1.1%

All-in cost including FX when you spend anywhere Visa is accepted. Better for VIP-tier members.

Withdrawal fee 2%

2% on every ATM cash withdrawal. No flat minimum — $50 out is $1 fee, $500 out is $10 fee.

Subscribe to global SaaS products

Pay for Anthropic, OpenAI, AWS, Google Cloud, and any international subscription where local-issued cards get blocked.

FX rate · pass through + 0.2% · fixed

When you spend in a non-USD currency, the rate is mid-market plus 0.2%. Fixed — does not change with VIP tier upgrade.

What you get

4 card tiers

Virtual ($10) → Physical ($100) → Metal ($500) → 18K Gold (Invite). Same API, same rails, different limits + materials.

Add to Apple Pay in 1 tap

Card numbers tokenize to Apple Pay / Google Pay on first add. Tap-to-pay works at any NFC terminal worldwide.

Real-time spend controls

Lock the card from the app, set per-merchant caps, decline-on-sight, and a one-tap "freeze" if you lose it. Reissue with a new CVV in 2 taps.

180+ countries

Wherever Visa is accepted. Settlement in stablecoin; FX markup on top of mid-rate: 1.2% (VIP 1-3) · 1.0% (VIP 4-6) · 0.8% (VIP 7-9) · 0.5% (VVIP).

VIP perks, real ones

Climb the VIP ladder with Points. Unlock lounge access, concierge, free ATM withdrawals, cashback on every swipe.

3DS + 0-liability

3-D Secure on every online purchase. Zero liability for unauthorized charges. Instant push notification for any decline.

In practice

In practice · A remote employee paid in stablecoin

Wei gets paid monthly in stablecoin. He issues a virtual card for subscriptions, a physical card for groceries + travel, and a Metal card for client dinners. The Metal card has a $500/day per-merchant cap on restaurants, enforced by the app, not by his bank.

180+

Countries accepted

At a glance

Card tiers

30s

Virtual issue

Free / $0.20

Card purchase fee

24/7

Real-time controls

BanqiPay · Banqi Card

Spend your stablecoins, anywhere

A Visa virtual card funded by your stablecoin balance. Use online, in-app, anywhere Visa is accepted — no fiat off-ramp, no friction.

Where it goes · last 7 days

$1,247.32 across 7 categories

Mock snapshot

Top

Software / Subscriptions

32%

Software / Subscriptions32%$399.14

Food & Drink24%$299.36

Transport14%$174.62

Shopping12%$149.68

Travel & Lodging8%$99.79

Entertainment6%$74.84

Other4%$49.89