Cryptomus Card is a virtual debit card product offered within the Cryptomus ecosystem. It is designed to let verified users spend supported stablecoin balances in everyday payment contexts, including online checkouts and in-store payments where digital wallet tap-to-pay is supported. The card is managed through Cryptomus web and mobile interfaces, with top-ups funded directly from a user’s Cryptomus personal wallet balance.
Overview
The Cryptomus Card is issued as a virtual card and is intended for cryptocurrency payments using stablecoin funding. According to the product details provided, the card supports USDT and USDC and operates on Visa and Mastercard networks. Card issuance is tied to standard verification, and users can create multiple virtual cards with different settings and limits managed inside the platform.
How it works
Funding is handled through the Cryptomus personal wallet. Users top up the virtual card using USDT or USDC, with automatic conversion at the current exchange rate at the time of top-up. A top-up fee applies. If a user wants to move funds back, the product notes that funds can be returned from the card back to the Cryptomus wallet without commission. Card management, including top-ups, balance checks, and limit settings, is available through the mobile application and web interface.
Supported assets and networks
- Supported cryptocurrencies: USDT, USDC
- Card networks: Visa, Mastercard
Digital wallet support
The card supports major mobile wallet integrations for payments, specifically Apple Pay and Google Pay. This enables phone-based payments without requiring a separate physical card. Digital wallet availability can still depend on device support and regional restrictions, but the product details list these wallets as supported options.
Fees and limits
Cryptomus Card’s pricing is presented as transparent at the point of use, with applicable fees shown before confirmation. The provided terms list a card issuance fee of $4 per card and a card top-up fee of 3.2%. The product also notes that transaction or currency conversion fees may apply at the time of payment and that additional maintenance or inactivity fees may apply depending on the card type. Spending and ATM limits are described as individual terms, which implies that limits can vary by user profile or other conditions within the program.
Availability
Availability is described as broad, with virtual cryptocurrency cards available in most countries worldwide. However, access can be limited in certain regions due to local regulations and compliance requirements, and the set of supported countries may change over time. As a result, eligibility should be confirmed during onboarding and verification in the Cryptomus interface.
Security and controls
The product notes that transactions are protected with two-factor authentication and 3D Secure, and that users receive instant notifications of payments. This combination is intended to improve account-level protection and help users monitor card activity in real time. As with other card products funded by digital assets, safe operation still depends on protecting account credentials, enabling security features, and reviewing transaction prompts carefully.
Roadmap considerations
Cryptomus Card is currently positioned as a virtual card product. The company notes plans to expand the format with physical cards in the future. Cryptomus also references a referral model tied to card top-up fees, with a percentage share for referrals’ top-ups described as subject to change.
Risks and considerations
- Custody and account access: Use of the card depends on access to the Cryptomus account and wallet, so users should treat account security as critical.
- Fee variability: Conversion and transaction fees may vary at the time of payment, and maintenance or inactivity fees may apply depending on the card configuration.
- Regional restrictions: Availability can change based on regulatory requirements, so access may differ by country and over time.