Answers, including the unflattering ones

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.

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.

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.

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.

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.

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.

MPay describes the service as costing virtually nothing to use, but the current fee schedule lives inside the app rather than on any public page. We're not going to print numbers we can't verify. A fee table that's quietly out of date is worse than no fee table. Check the app before you top up; the figures there are the live ones. Separately, you'll pay the network's own transaction fee to move the stablecoins, and that one is down to the chain you pick rather than MPay.

Your balance is the practical limit — the card can only spend what you've loaded onto it. MPay hasn't published any per-transaction or per-period limits, so if you need to know whether one applies to you, check the app rather than trusting a number you read on a comparison site.

Tap the card in the app, then hit CHECK. The full number, expiry and CVV are masked until you do that, which means the sensitive part of the card isn't sitting on screen while you're working somewhere public.

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.

Work through it in this order. Is the balance high enough to cover the charge plus a pre-auth buffer? Did you enter the expiry and CVV from the CHECK screen rather than from memory? Does the merchant require a billing address that matches something you've entered? Is the merchant one that blocks prepaid cards outright? Some subscription services do, and no crypto card gets around that. If it's none of those, MPay support is on Telegram at @RomanPovolo.

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.

Twice. Once when someone you invited gets a card, and then on their top-ups afterwards. Commission is paid in USDT and MPay describes withdrawals as clearing in seconds. Published partner figures include $204.13 in total commissions in one case, and $168.87 over 48 hours from 563 invites — of which 116 became active users. That conversion ratio is the number worth paying attention to.

This is worth taking seriously, because MPay has publicly warned that clone sites are copying their content to impersonate them and go after user funds. The official surfaces are mpay.cards, app.mpay.cards, the @MpayCardBot Telegram bot, the @MpayCard channel, x.com/MpayCard and instagram.com/mpay.card. Anything else asking for a wallet connection or a deposit is not them. No legitimate MPay channel will ask you for a seed phrase, ever.