For builders
Your stack bills in dollars. Your bank does not.
GitHub, OpenRouter, xAI, Cursor, Hetzner, Vultr, Cloudflare, Spaceship. A dozen small monthly charges that every one of us has had fail at the worst moment.
GitHub · OpenRouter · xAI · Cursor · Hetzner · Vultr · Cloudflare
Death by a thousand $19 charges
The modern development stack is thirty small subscriptions. A repo host, three API providers, a VPS, a CDN, a domain registrar, an error tracker, a CI runner. Individually trivial. Collectively they are the thing that breaks when a card expires.
And they fail asymmetrically. A declined GitHub charge is an email. A declined Hetzner invoice is a suspended server. Same card, same failure, very different Tuesday.
Consolidating onto one card with a balance you top up deliberately makes the failure mode visible before it happens. You are watching a number go down, not waiting for an email.
What you get
One payment method for the whole stack
Repo host, API credits, VPS, CDN, registrar. Same number.
Runway you can actually see
The balance is your infrastructure runway, in one number, instead of scattered across statements.
Pre-auth is real, plan for it
API providers verify the card before billing, sometimes at $0. An empty card fails that check. Keep headroom.
One less reason to be declined
A lot of these declines come down to which country issued your card. Funding a Visa number with stablecoins takes that particular variable off the table.
Wiring it into your setup
Total up the monthly burn
Every recurring charge across the stack. Load two months of it.
Swap the payment method
Update each provider once, then the only thing you are tracking is one balance instead of a scattered set of bank cards with their own expiry dates and fraud rules.
Watch one number
Balance down means top-up due. That is the whole ops burden.
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
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.
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.
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.
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.
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.
Ready when you are
Connect a wallet, send stablecoins, get a Visa number. There is no application to submit and nothing to wait on.