The MiniPay Card earns Cashback in USDT/USDC/XAUt cashback on a Visa debit card with no annual fee, available in Africa/EEA/LATAM/SEA (46 countries).
MiniPay is Opera's self-custodial stablecoin wallet built on the Celo blockchain, with 16 million+ activated wallets across 65+ countries and strong adoption in Africa.
The MiniPay Card is a crypto debit card offered by MiniPay (Opera), available in Africa/EEA/LATAM/SEA (46 countries). It offers Cashback in USDT/USDC/XAUt cashback rewards on purchases. There is no annual fee to hold this card. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides.
On $500/mo spend, the estimated monthly cost breakdown for MiniPay Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). MiniPay 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.
| Tier | Rate | Requirement |
|---|---|---|
| Standard | 0% | Cashback available in selected markets in XAUt, USDT, USDC; exact rate not yet published |
Note: Launched June 23, 2026 by Opera's MiniPay stablecoin wallet (16M+ activated wallets). Powered by Gnosis Pay on Celo blockchain. Virtual Visa debit card with no monthly/annual fee; low FX fee. Supports USDT, USDC, USDm stablecoins. Apple Pay and Google Pay compatible. Strong adoption in Nigeria and Kenya via integrations with OPay and M-Pesa. Cashback offered in selected markets in XAUt (Tether Gold), USDT, USDC — exact rate not yet published.
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The MiniPay Card is a crypto debit card offered by MiniPay (Opera). It is available in Africa/EEA/LATAM/SEA (46 countries) and allows users to spend cryptocurrency at merchants worldwide.
The MiniPay Card offers Cashback in USDT/USDC/XAUt cashback.
The MiniPay Card has an annual fee of $0. Note: Launched June 23, 2026 by Opera's MiniPay stablecoin wallet (16M+ activated wallets). Powered by Gnosis Pay on Celo blockchain. Virtual Visa debit card with no monthly/annual fee; low FX fee. Supports USDT, USDC, USDm stablecoins. Apple Pay and Google Pay compatible. Strong adoption in Nigeria and Kenya via integrations with OPay and M-Pesa. Cashback offered in selected markets in XAUt (Tether Gold), USDT, USDC — exact rate not yet published.
Yes. The MiniPay Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The MiniPay Card is available in Africa/EEA/LATAM/SEA (46 countries).
The MiniPay Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the MiniPay Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.