A stablecoin card that spends like a normal Visa, with the fees printed in the open and the awkward parts left unsaid

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

DPT is one of the more interesting crypto cards I have come across, and not because of anything flashy. It is a Visa card issued by U.S. Bank, funded from a stablecoin balance you top up with USDC or USDT, and it charges nothing at all when you spend in dollars. That last point matters more than it sounds. Most crypto cards make you pay a spread at the moment of payment, and the difference between a card that hides its margin in the exchange rate and one that shows you the percentage is the difference between a product you can reason about and one you cannot.

The score is 8.5 out of 10. That is a high mark for a category where the norm is opacity. The reasons are straightforward: eligibility is broad, the cost structure is legible, topping up works on four major networks, and the operator is a licensed Hong Kong company with a real card programme behind it rather than a hopeful startup with a payment-processor account. The deduction is for the parts the public pages simply do not say — the issuance fee, the monthly fee, the spending limits, ATM availability and what happens to your balance if you close the account. A card that refuses to publish its own fee schedule cannot score higher than that, however good the rest is.

Who this suits: you already hold dollars or dollar-pegged stablecoins, you want to spend them somewhere that takes cards, and either you cannot get an ordinary bank card or you would rather not depend on one. The card’s own audience note is essentially that — stablecoin holders wanting a U.S. Bank-issued Visa card, which is exactly what it is.

Who it does not suit: anyone who treats a card as a place to keep money for weeks. The funds are converted at the transaction, not held for you in a bank balance, and the terms say you are not depositing funds with DPT on a custodial basis. If you want interest, an overdraft, or a card that survives your bank having a bad quarter, this is the wrong shape of product. It is also a poor fit if you are in the United States or Canada, or in a jurisdiction under comprehensive sanctions — those places are outside the service entirely, and no amount of good intentions on your part changes the terms.

The conditions described here are current as of October 28, 2026.

Score breakdown

Will they give you the card?

Mostly, yes, and the exclusions are narrow enough that they are easy to check yourself before you spend an evening on it.

The card’s stated reach is “150+ countries”, and the card works wherever Visa is accepted — which, practically, means almost everywhere. But the terms carve out three groups explicitly: persons located in the United States, in Canada, or in comprehensive-sanctions jurisdictions, and the same wording covers people incorporated or resident there. This is not a soft “we may decline you” clause; it is a statement of where the service is not offered.

Whether *you* can be issued the card depends on your country of residence, and the app is where that gets decided. This is the first thing to check, before anything else. A failed identity check also comes from an “unsupported jurisdiction”, which means a rejected verification is not always about your documents being blurry — sometimes it means you are simply outside the footprint.

One structural point worth holding in mind as you read the rest: DPT (HK) Limited is the operator, but the card itself is issued by U.S. Bank under Visa’s licence. The brand you sign up to is a programme front; the bank behind it is the institution your payments run through. Under the terms, DPT arranges issuance through a Service Partner, and Hong Kong law governs. That is a common and reasonably reassuring arrangement in this category, but it is worth naming so you know which counterparty sits where when something goes wrong.

How to get it

The sign-up is ordinary: identity verification in the app, then you choose a virtual or physical card.

Minimum age is 18, and one DPT account is allowed per individual. You need a government-issued ID and a live selfie taken in the app. Verification typically completes in minutes; it can take up to 24 hours. Identity checks are not optional here — they are required for the card, for deposits at full capacity, and for payouts. That last part is the one people forget: without completed checks you can hold a balance but you cannot get money out.

You will meet two different descriptions of the documents. The Learn guide says passport or national ID plus proof of address — a utility bill or bank statement no more than three months old. The signup flow describes ID plus selfie. The pages differ; assume you may be asked for proof of address and have a recent bill to hand, because the stricter reading is the one that costs you nothing to prepare for.

Which card you get is a genuine choice:

• Virtual card — added to Apple Pay or Google Pay, usable as soon as it exists.
• Physical card — with a chip and contactless.

Both are Visa. The card currency is not stated outright, though dollar transactions being free of FX fee is what you would expect from a dollar card; treat USD as implied rather than documented.

What the public pages do not tell you: how the physical card is delivered, how long shipping takes, what it costs, and what a replacement costs. That is not a small gap, because it is exactly the information you need if you are outside a country where the card has to cross a border to reach you.

The specific DPT tiers are also not stated. You will see your limits in the app after verification — the higher tier carries larger limits — and failures usually trace back to blurry or expired documents, personal details that do not match, or an unsupported jurisdiction. Processing is minutes, or up to 24 hours.

What it really costs

Here is the part that makes this card easier to judge than most of its competitors: the fees are itemised and percentage-based. The part that makes it harder is that the two largest numbers — what the card costs to issue and what it costs per month — are not published at all.

Let me walk three ordinary payments through that table, because a percentage fee only means something once you see it applied.

A $60 grocery shop in dollars. No fee. Not a markup, not a spread, no conversion charge. The $25-or-less rule does not touch you. This is the case the card was built for, and it is genuinely clean.

A $34 subscription priced in euros. You pay the euro amount plus an FX fee of 0% to 2.00%, depending on the currency. On $34 that is somewhere between nothing and $0.68. If you want to know the exact figure for your currency, the app is the place to find it, because the range is the published figure, not a rounding of something else.

A $18 taxi paid by card, declined once by the terminal. The first three declines in a calendar month are free. The fourth costs $0.50. Note the word “declines”: a decline is an authorisation the merchant did not complete, so an offline terminal retry or a card read twice counts against that allowance. Worth knowing before you get annoyed at a $0.50 line on a statement.

Three things I want to flag honestly. First, the $0.10 small-transaction fee is described as a limited-time promotion — so it is zero now and might not be zero later, and no end date is given. Second, the ATM terms are the weakest part of the schedule: 2% plus a possible 1.75% FX surcharge plus whatever the ATM operator charges, on top of a free allowance that is not stated. Cash is where this card is most expensive. Third, multi-currency balances are not stated as a feature; payouts in many currencies is not the same thing as holding many currencies, and I would not read one into the other.

The tiers, for completeness, run Oxygen (Visa Platinum) with travel accident insurance up to US $500,000, instant digital cards and member prize draws, and Obsidian (Visa Infinite), invite-only, with insurance up to US $1.5M, a 24/7 concierge, a dedicated lifestyle manager, Priority Pass lounge access and DPT events. Top-spending Oxygen holders are auto-upgraded to Obsidian.

How to top it up

This is the cleanest part of the whole product, and it is worth understanding precisely, because the mechanism determines your cost and your risk.

Live today: USDC or USDT, on Ethereum, Polygon, Tron or Solana. You send tokens to the address DPT gives you, and roughly a minute after confirmation the balance is there. The card balance and your account balance are the same thing — your stablecoin *is* the money the card spends, and the conversion to fiat happens at the Visa transaction, not before. There is no separate loading step and no second balance to track.

On the roadmap, not yet live: Base, BNB and fiat deposits. So if you were planning to fund the card by card or bank transfer, that is not available. The crypto-in, card-out direction is the whole product today.

Getting the network right is the single most consequential thing you will do here. A transfer sent on a network the provider does not support, or to an address belonging to a different network, can be lost outright or need manual support recovery with no guarantee. That is not a theoretical risk — blockchain transfers are irreversible by design, and no one can undo one for you. The minimum on Tron is ten times higher than on the other three networks, which is a small practical reason to prefer Ethereum, Polygon or Solana for small amounts, but it is a fact about the chain, not about DPT’s pricing.

One structural detail on custody, because it is easy to misread: the balance you spend is a stablecoin balance held through an arrangement, and the terms say users do not deposit funds with DPT on a custodial basis. The homepage meanwhile states that assets are held with BitGo, described as a qualified custodian, with coverage up to $250M subject to terms. Both statements can be true because a card programme can hold its own operational balances with a qualified custodian without you holding a custodial account with DPT. Read what the terms say about your funds, not what a marketing line says about the company’s.

Paying with it every day

Virtual in the wallet, physical in the hand — that is the shape of daily use here.

Apple Pay and Google Pay are supported “where available”. Whether that phrase covers the physical card as well is not stated, so if your phone-wallet experience is the reason you are considering this, treat it as unconfirmed for the plastic. The physical card has a chip and supports contactless, which covers most terminals; how it behaves at a fuel pump or a car park barrier, where pre-authurations and holds are common, is not something the pages describe.

Blocked merchant categories are not stated. The help centre contains articles on merchant restrictions, but the list itself was not available to me, and that is a real blind spot: gambling is the category most often restricted on cards like this, and you cannot tell from these pages whether this card restricts it.

On rewards, the picture is thin. No card cashback is stated. What does exist is a Rewards and Referral Program covering referral commissions, points and elite rewards, and DPT Earn, described as a stablecoin yield vault. Those are separate from the card itself — a rewards programme is not a cashback rate on your spend, and a yield vault is a place where your balance can earn something, which is a different decision from paying for coffee.

There is also a merchant-category fact worth understanding before your first decline. Every merchant has a four-digit category code assigned under the ISO 18245 standard, and 7995 covers gambling. Issuers block categories by policy, not by law, and the list differs from issuer to issuer.

Two more practical notes. Declined authorisations can leave a hold on your funds that stays for several days, typically up to seven, so a failed attempt is not always immediately reflected in your available balance. And online payments may go through 3-D Secure — Visa’s version is called Visa Secure — where your bank approves frictionlessly or challenges you with a one-time code or a biometric check.

The app is on the Apple App Store and Google Play, with an Android APK also offered directly. I could not locate a store listing by search, so there is no rating evidence either way, and the 24/7 support, help centre, ticket form and Telegram channel exist without any public track record of response times to judge them by.

What can go wrong

Nothing has gone publicly wrong that I could find. That is a genuinely good sign, and it is a thinner one than it sounds, because absence of complaints usually means absence of scale as much as absence of problems.

A search for DPT reviews returned nothing on Trustpilot or Reddit, and no Trustpilot page exists for the company’s domain. I found no official incidents. The one third-party data point is a KuCoin-hosted post by a single author, DeFi Warhol, noting the Android app had around 5,000 downloads and no public card-volume figures — which tells you the app is small, not that it is troublesome. Unofficial, and not confirmed by the card.

What you are actually exposed to is structural. Let me walk the risk categories that apply to any card in this class, because knowing them is how you avoid them:

• A foreign-looking card. The first six or eight digits of a card number identify the issuing institution, and merchants can look them up. They see the issuer and its country, and some will look harder when that country differs from the billing address on the payment. This is why an overseas card can be declined at a till and accepted ten metres later — it is a category fact, not a fault in your card.
• Address verification. AVS compares numbers in the billing address you type against issuer records. It is mainly offered in the US, Canada and the UK and is generally unavailable for foreign-issued cards, which produces declines on otherwise ordinary online purchases.
• Prepaid treatment. Many merchants decline prepaid or foreign-issued cards for the same BIN reasons. If your card fails at a shop, this is often the cause rather than a fault in your balance.
• Provider risk. Large custodial failures are a matter of record — Mt. Gox at about US$350 million, Coincheck at about US$400 million, Ronin Network at US$625 million. Holding funds with a custodian carries counterparty and hack risk that no marketing sentence removes.
• Programmes can be closed. WaveCrest had all its Visa programmes shut down after Visa suspended it in Europe in 2018; Visa terminated its global agreements with FTX on 13 November 2022 and the card was wound down. When a programme ends, the pattern is a notice period, then spending and loading stop, then you are asked to withdraw what is left.
• Stablecoins can depeg. TerraUSD collapsed in May 2022; USDC temporarily lost its peg in March 2023. Neither is likely to be your problem this week, but it is the risk you are taking by spending a token instead of a dollar.

On the last point about your own protections, here is what the card does offer. You can freeze a lost or stolen card instantly in the app. Three wrong attempts on CVV, expiry or PIN auto-lock the card for 24 hours. The help centre mentions two-factor authentication, anti-phishing protections and spending alerts. Those are the standard safeguards and they are genuinely useful.

Two things the card does not say are important to you. First, what happens to your balance on closure is not stated — and given the FTX and WaveCrest pattern above, that is exactly the moment when you want the answer in advance. Second, DPT may delete an account on seven days’ notice. Seven days is short, and it means you should not treat this account as an archive.

Disputes, at least, have published routes. The Learn guide says file with support within 60 days of the statement posting date for unauthorised charges; the Terms say card disputes or chargebacks within 90 days of the transaction date. The two deadlines differ, so use the shorter one. Decisions by DPT or its Service Partners are generally final, with Hong Kong courts or LCIA arbitration in London as the forum. Note the general position for US cards: reversal rights for debit cards come from Regulation E, credit card rights from Regulation Z, and prepaid-card coverage varies and should not be assumed. This is a prepaid-shaped product, so I would not assume Regulation E applies to you.

Withdrawals carry their own costs. Crypto withdrawal is 0.1% DPT commission plus gas — about $2.00 on Ethereum, $1.00 on Polygon, $1.00 on Solana, $5.00 on Tron. Bank payouts charge a provider fee per corridor: India 0.30%, Nigeria 0.80%, Vietnam 0.60%, Philippines 0.50%, Brazil 0.45%, Mexico 0.50%, Indonesia 0.55%, Thailand 0.40%, Europe SEPA Instant 0.35%, UK Faster Payments 0.35%. Note the spread between corridors — 0.30% to 0.80% — and it is worth checking yours before you decide which rail to use.

What to take instead

The alternatives in this category are thinner documents, and comparing them is instructive mostly because it shows what DPT is not claiming.

Reading that table honestly: none of the three alternatives makes a better case than DPT on published information. DPT is the only one that discloses a conversion percentage, the only one with a named issuing bank, and the only one that excludes jurisdictions explicitly rather than vaguely. TakeCard has the clearest pricing of the three but is physically restricted to Bolivia and its own articles conflict on the fee. OkiCard publishes a load fee but its own pages disagree on whether issuance is free. Cardex markets an algorithmic conversion rate without publishing a single percentage, which is the opposite of what you want from a product whose entire value is the conversion.

There is one thing to weigh outside this list: a self-custody-linked card, where your funds stay in your own wallet until the moment of payment. Nothing in this comparison is one. The trade is real — you bear sole responsibility for key loss, for phishing, and for clipboard malware that silently swaps an address you copied — but you also remove the counterparty. DPT’s arrangement puts the balance through a qualified custodian rather than in your own wallet.

Who I would recommend it to

I would recommend this card to someone specific: you hold dollars or dollar-pegged stablecoins, you spend in dollars most of the time, you have verified you are not in the United States, Canada or a sanctioned jurisdiction, and you want a Visa that is not tied to a bank that might close your account. If you already have a conventional card that works, the honest answer is that DPT gives you a dollar payment with no fee — which is nice, but not a reason to move your money.

I would not recommend it if your spending is mostly in one non-dollar currency, because the 0% to 2.00% FX range then applies to almost everything you do. I would not recommend it for cash, since ATM withdrawals stack three separate charges. I would not recommend it as a place to sit on a balance, because the terms are explicit that you are not depositing funds with DPT on a custodial basis and the balance converts at the transaction. And I would not recommend it if you are in the United States or Canada — not as a formality, but because the terms say the services are not offered there.

Before you apply, check three things in this order. First, whether your country of residence is supported, because that is checked in the app and decides everything downstream. Second, what the fee schedule in the app actually says about issuance and any monthly charge, since the public pages do not say and I am not going to guess. Third, whether your usual networks are covered — Ethereum, Polygon, Tron or Solana — because sending on the wrong chain is the one mistake here that is genuinely hard to recover from.

Two smaller things worth knowing. If you intend to bank to a local account rather than spend, the corridor fees range from 0.30% to 0.80%, so check yours before choosing a rail. And if you want to close the account, DPT may delete it on seven days’ notice, so withdraw before you decide to leave rather than after.

Frequently asked questions

Is DPT a bank?

No, and it is worth being precise about this. The operator is DPT (HK) Limited, a Hong Kong company holding a TCSP licence, no. TC010834. The card itself is issued by U.S. Bank under Visa’s licence. So the bank is real and is the issuer, but the brand you sign up to is a programme manager arranging issuance through a Service Partner, governed by Hong Kong law.

Does DPT require KYC?

Yes, and it is not optional. You need a government-issued ID and a live selfie in the app, with a minimum age of 18 and one account per person. Checks usually take minutes but can take up to 24 hours. Verification is required for the card, for deposits at full capacity and for payouts, so an unverified account is a limited one.

Is the DPT card free?

Partly. Spending in US dollars is free with no FX fee, and other currencies carry 0% to 2.00% depending on the currency. Transactions of $25 or less carry a $0.10 fee, currently waived as a limited-time promotion. But the issuance fee and any monthly fee are not published — the schedule is inside the app, so check it there before you decide.

How do I top up the DPT card?

You send USDC or USDT to a DPT address on Ethereum, Polygon, Tron or Solana, and the balance credits about a minute after confirmation. There is no DPT deposit fee; the sender pays the blockchain gas. Minimums are 1 USDC or USDT on Ethereum, Polygon and Solana, and 10 USDT on Tron. Fiat top-up is not live.

How do I withdraw money from DPT?

Crypto withdrawal costs 0.1% DPT commission plus network gas — roughly $2.00 on Ethereum, $1.00 on Polygon, $1.00 on Solana and $5.00 on Tron. Bank payouts charge a provider fee per corridor, ranging from 0.30% to 0.80% depending on the destination. What happens to a remaining balance if you close the account is not stated, which is worth asking support about.

Can I use the DPT card in my country?

Wherever Visa is accepted, according to the card, within its stated “150+ countries”. The exceptions are stated plainly: the services are not offered to persons located in, incorporated in or resident of the United States or Canada, or comprehensive-sanctions jurisdictions. Your own eligibility depends on country of residence and is checked in the app.

Is the DPT card safe?

Reasonable, on the evidence available, with ordinary counterparty risk. Assets are held with BitGo, described as a qualified custodian with coverage up to $250M subject to terms; the card is issued by U.S. Bank; and there is an instant freeze in the app plus a 24-hour auto-lock after three wrong CVV, expiry or PIN attempts. I found no complaints and no official incidents, but no complaint record on a small app is thin evidence.

How do I add the DPT card to Apple Wallet?

You add the virtual card to Apple Pay or Google Pay from the app. The card’s pages say wallets are supported “where available”, and they do not state whether that phrase covers the physical card as well. Apple Pay stores a device-specific number in the phone’s secure hardware rather than on Apple’s servers, and each payment uses a one-time code.

How do I delete my DPT account?

The terms say DPT may delete an account on seven days’ notice, so do not treat the account as an archive of anything you need. The pages do not give a step-by-step deletion route or state what happens to a balance on closure, so ask support before you close and move your funds out first.

Is the DPT card worth it?

If you spend mostly in dollars and already hold stablecoins, yes: dollar spending carries no fee at all, which is rare in this category. If you spend in other currencies, or take out cash, or were planning to fund the card from a bank account, the value drops sharply — and the fact that the app listing could not be located and no fees are published means you should check the in-app fee schedule before committing.

Content created by the «cryptocardselect» team