Stablecoins
Tether, minus the off-ramp
Skip the exchange, the withdrawal queue and the bank transfer that takes two days and shaves a cut off at every step. Load USDT straight onto a Visa card and spend it.
USDT on BEP20, ERC20, TRC20 · USDC on BEP20, ERC20, Base
The off-ramp is where the money goes
The usual route out of USDT has four steps and each one costs you. Send to an exchange. Sell into fiat. Withdraw to a bank. Wait. Somewhere in there you have paid a trading fee, a withdrawal fee and a spread, and if the bank decides it does not like crypto-adjacent transfers you get to do it all again somewhere else.
A card removes the middle. The stablecoin balance is the card balance. When you pay a merchant, that is the conversion: one step, at the point of sale, instead of four steps in advance.
What you get
Pick your network, control your cost
TRC20 is usually the cheapest way to move USDT. BEP20 is close. ERC20 costs what Ethereum costs that day. Your call.
USDC works too
BEP20, ERC20 and Base. Worth knowing if your funds already sit in Circle rather than Tether.
No sell order, no spread
You are not trading out of the asset. The balance moves onto a card and stays a balance.
Send on a supported chain or it is gone
MPay is blunt about this and so are we: other networks and other assets will not be credited. Check the chain before you sign.
From wallet to checkout
Choose the network
USDT: BEP20, ERC20, TRC20. USDC: BEP20, ERC20, Base. Copy the deposit address for the exact chain you are sending from.
Send and wait
Confirmations land and the balance shows up on the card.
Spend the balance
Every Visa checkout online. The card draws down as you go.
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
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.
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.
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 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.
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.
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.