Web3 payments
Your USDT already spends everywhere
MPay turns the stablecoins sitting in your wallet into a working Visa card. Top it up, copy the number, pay. There is no bank in the middle and, for most people, no KYC to get through first.
238,000+ cards issued · 130M+ merchants · backed by IsPay
Holding stablecoins is easy. Spending them is the annoying part.
You've got USDT in a wallet. Meanwhile your card gets declined on a $20 subscription because the issuing bank doesn't like the merchant, or the exchange wants another round of documents before it'll let you off-ramp, or your country isn't on the list this month.
The money exists. The rails don't reach.
MPay is the short version of that story: put stablecoins in, get a Visa number out, use it where Visa works.
What you get
Issued in minutes, not days
Connect a wallet, fund the card, and the number is live. No application to be reviewed by anyone.
No traditional KYC for most users
You start with a wallet connection. Some regions or higher-tier services can still ask for verification. MPay says so plainly, and so do we.
Works where Visa works
That is roughly 130 million merchants. Claude, ChatGPT, Hetzner, Steam, Amazon, AliExpress, Netflix. The list on this site is taken from the live app, not invented.
Three networks each for USDT and USDC
USDT on BEP20, ERC20 or TRC20. USDC on BEP20, ERC20 or Base. Pick the cheap one and keep the difference.
Card details stay hidden until you ask
CVV and expiry sit behind a tap. Nothing sensitive is on screen while you are working in a café.
Three steps, about five minutes
Send stablecoins
USDT over BEP20, ERC20 or TRC20. USDC over BEP20, ERC20 or Base. Anything on another network will not be credited, so check the chain twice before you hit send.
Get the card
A Visa number, expiry and CVV appear in the app. Tap the card, hit CHECK, and the details reveal themselves.
Pay like normal
Paste it into any checkout that takes Visa. Keep a small amount spare on the balance — a lot of merchants run a $0 authorisation before they charge you.
Check the network before you send. USDT works on BEP20, ERC20 and TRC20. USDC works on BEP20, ERC20 and Base. Anything on a different chain, or any other asset, will not be credited — and there is no published recovery process.
Questions people actually ask
What is MPay?
A Web3 payment platform that issues Visa cards you fund with stablecoins. You connect a wallet, send USDT or USDC, and the balance becomes spendable at any merchant that takes Visa — online today, and in person once the physical card ships. There's no bank account behind it and no conversion step you have to do yourself.
Do I have to complete KYC?
Not in the traditional sense, for most people. MPay's own position is that no traditional KYC is required for most users. You connect a Web3 wallet and that's the signup. Some advanced services or specific regional requirements can still prompt optional verification. We're repeating that caveat rather than burying it, because a card product that promises absolute anonymity and then asks for a passport once your money is inside is a worse deal than one that tells you upfront.
Which networks can I deposit on?
USDT on BEP20, ERC20 or TRC20. USDC on BEP20, ERC20 or Base. That's the complete list. Anything sent on a different network, or in a different asset, will not be credited. MPay is explicit about this and there's no recovery process advertised. Check the chain in your wallet before you confirm, not after.
Can I use MPay from my country?
The virtual card is available in most regions worldwide, though which features you get can vary by jurisdiction for regulatory reasons. MPay hasn't published a country-by-country list, so we're not going to invent one. The physical card will ship to selected countries at launch, and those countries haven't been named yet either.
Which wallets and chains work?
Ethereum, BNB Chain, Solana and TON on the chain side. MetaMask, Trust Wallet, TON Wallet and Phantom on the wallet side. If you already hold stablecoins, you're almost certainly using one of these already.
Is it USDT only, or does USDC work?
Both. USDT is the primary top-up asset and USDC is accepted on BEP20, ERC20 and Base. The older FAQ on MPay's site still describes USDC as planned, but their channel has since confirmed it's live, so the deposit networks listed above are the current ones.
Why does a merchant check my card before charging anything?
It's a pre-authorisation, and it's normal Visa behaviour rather than anything specific to MPay. The merchant asks your card whether it's real and active, sometimes for $0 and sometimes by holding a small amount briefly. ChatGPT, Claude, Spotify, Netflix and Amazon all do it. The catch is that an exactly-empty card can fail that check even when the actual charge is zero, so the fix is to keep a small amount of headroom on the balance. MPay's own guidance says the same thing.
When does the physical card come out?
No date has been announced. What's confirmed is that it's in development, that it'll work like any traditional Visa card, tapped, swiped or inserted, that it'll draw on the same USDT balance, and that global shipping is planned for selected countries at launch. No pricing, no shipping fee and no country list have been published. If a site is taking deposits to reserve one, it isn't MPay.
Ready when you are
Connect a wallet, send stablecoins, get a Visa number. There is no application to submit and nothing to wait on.