The DPT Card is a Visa debit card with a $0-$10,000/yr fee, available in Global (excl. US citizens + 17 countries).
DPT Pay is a stablecoin payments platform operated by DPT (HK) Limited, a Hong Kong company that holds a Trust or Company Service Provider (TCSP) licence under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance (Cap. 615). Alongside its Visa cards it runs stablecoin merchant acquiring and cross-border payout services, and it publishes the DPT Pay app on the App Store and Google Play under DPT (HK) LIMITED.
The DPT Card is a crypto debit card offered by DPT Pay, available in Global (excl. US citizens + 17 countries). The annual fee starts at $0-$10,000/yr. It runs on the Visa network and requires full identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Oxygen (Visa Platinum) | 0% | No cashback. $10 virtual or $50 physical issuance fee, no annual or monthly fee. Travel accident insurance up to $500,000 and Visa Luxury Hotel Collection benefits |
| Obsidian (Visa Infinite) | 0% | No cashback. $10,000/year membership, invite-only or automatic upgrade for qualifying top spenders. Priority Pass and Visa Infinite lounges, Quintessentially concierge, travel accident insurance up to $1,500,000 |
DPT does not currently support inbound bank transfers to a fiat balance; funding is stablecoin deposits or in-app crypto purchase. Personal virtual bank accounts (VBAs) for SEPA, SWIFT and ACH deposits are announced as coming soon.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for DPT Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that nets a gain of about $0.00/mo ($0.00/yr). DPT Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: Prepaid Visa funded with USDC/USDT, balance held in USD. NO CASHBACK: the value proposition is fee structure plus Visa Platinum/Infinite travel and lifestyle perks. Two tiers: Oxygen (Visa Platinum, no annual fee) and Obsidian (Visa Infinite, $10,000/year, invite-only or spend-based upgrade). Issuance fees are $10 virtual and $50 physical (replacement $10, delivery 7 to 14 business days); DPT's FAQ notes physical cards are being upgraded and sales were expected to resume in September (the notice does not state a year). Activating a card credits a non-withdrawable $5 spending credit. USD transactions are free, non-USD carries a 0-2% FX fee, ATM withdrawals cost 2% plus an FX surcharge (DPT's fee schedule says 0-1.75%, its ATM article says 0-2%) and are limited to $250 per withdrawal, 3 per day, $750 per day (declined attempts count). A $0.10 small-transaction fee applies to purchases of $25 or less (waived for a limited time), and declines cost $0.50 after 3 free per calendar month. Deposits and stablecoin-to-USD exchange are free; balance and spending limits are unlimited by default. Max 3 active cards per account. Custody is with BitGo, and DPT states digital assets are protected under a $250M insurance policy; DPT is not a bank and balances are not deposit-insured. NOT AVAILABLE TO US CITIZENS (non-US citizens resident in the US may apply); the terms of service also bar Canadian residents, while the FAQ lists card issuance as blocked for residents of Belarus, China (Mainland), Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela and Vietnam, and spending as blocked in Cuba, Iran, North Korea, Russia, Syria, Ukraine and Venezuela. Crypto purchases are a prohibited merchant category. ISSUER UNCONFIRMED: DPT's FAQ states the card is 'issued by U.S. Bank under license from Visa', but the terms of service name no issuing entity (only unnamed 'Service Partner(s)'), and DPT (HK) Limited's only disclosed licence is a Hong Kong TCSP licence, which is a company-services registration and not a payments or e-money authorisation. DeFi yield is advertised but marked 'coming soon'. Direct fiat deposits via virtual bank accounts are also 'coming soon'.
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The DPT Card is a crypto debit card offered by DPT Pay. It is available in Global (excl. US citizens + 17 countries) and allows users to spend cryptocurrency at merchants worldwide.
The DPT Card has an annual fee of $0-$10,000/yr. Additional fees: Conversion fee: $0 (USDC/USDT to USD balance); FX fee: 0-2%; ATM: 2% + 0-1.75% FX surcharge (ATM operator fees may apply); Top-up: $0 (crypto deposits).
The DPT Card has the following limits: daily spending limit: Unlimited by default (user can set own caps); daily ATM withdrawal limit: $750 (max $250 per withdrawal, 3 withdrawals/day). Limits can vary by account tier and verification level.
Supported assets include USDC, USDT; top-up methods include On-chain stablecoin deposit, In-app crypto purchase with credit/debit card, Apple Pay or Google Pay, Local payment rails (SEPA, ACH, PIX) via in-app crypto purchase; crypto deposits are supported on Ethereum, Polygon, Tron, Solana, Base, BNB Chain.
Yes. The DPT Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The DPT Card is available in Global (excl. US citizens + 17 countries).
The DPT Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the DPT Card supports Apple Pay and Google Pay for contactless payments.
No, the DPT Card does not come with a personal IBAN. DPT does not currently support inbound bank transfers to a fiat balance; funding is stablecoin deposits or in-app crypto purchase. Personal virtual bank accounts (VBAs) for SEPA, SWIFT and ACH deposits are announced as coming soon.
DPT states it is not a bank and that balances are not covered by deposit insurance; digital assets are held with custodian BitGo, and DPT states that digital assets are protected under a $250,000,000 insurance policy.
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