Use Crypto
Like Cash
Secure. Compliant. Borderless.
Manage crypto and fiat in one wallet. Spend, send, and withdraw anywhere in the world — instantly.
How It Works
Start with crypto or start with fiat
Start with Crypto
- 1Identity Verification (KYC)
- 2Deposit Crypto
- 3Convert to Fiat
- 4Spend · Withdraw
Start with Fiat
- 1Open Account
- 2Top Up via Bank
- 3Buy Crypto
- 4Hold · Convert · Send
Features
All your finances in one place with UpPay
UpCard Payments
Pay online and in-store with virtual or physical card. Works at POS terminals and ATMs worldwide.
Global Transfers
Move funds across borders in seconds. Fast international transfers with no hidden fees.
Bills & Subscriptions
Pay recurring bills and subscriptions with crypto or fiat easily.
Bank Withdrawals
Withdraw to your linked bank account instantly with T+0 settlement.
Unified Wallet
Manage BTC, ETH, USDT, USDC and fiat currencies all in one wallet.
Instant Exchange
Real-time crypto ↔ fiat conversion at transparent rates, anytime.
Card Lineup
Choose the card that fits your needs. Virtual cards are issued instantly; physical cards ship worldwide.
| Gold VISA Physical | Black VISA Physical | Blue Mastercard Virtual | |
|---|---|---|---|
| Issuance | $100 | $100 | $25 |
| Shipping | $30 | $30 | — |
| Monthly Fee | $1 (6 mo. free) | $1 (6 mo. free) | $0 |
| Daily ATM Limit | $3,000 | $1,500 | Not supported |
| Per-Transaction Limit | $20,000 | $100,000 | $20,000 |
| Delivery | After approval | After approval | Instant |
3% swap fee · 0% payment fee · See the amount before every transaction
Who Is It For?
A platform designed for diverse users
Security & Trust
Institutional-grade security and global compliance
Institutional Security
Enterprise-level security protocols keep your assets safe at all times.
Global KYC/AML
Full KYC/AML compliance meeting regulatory requirements worldwide.
T+0 Settlement
Real-time settlement system for instant, delay-free transaction processing.
Transparent Fees
No hidden costs — a clear and transparent fee structure every time.
Global Financial Regulatory Licenses
Licensed by financial regulators across 7 jurisdictions
Compliance at a glance
Segregated Asset Custody
Customer assets are held 100% segregated with Merits Trust Limited, regulated by the Hong Kong financial authorities. Fully isolated from operating funds, they never move without your explicit authorization.
Where we operate
Trust & Safety FAQ
Is the trust company real?
Are my assets safe?
Can I check my balance in real time?
Why UpFinance?
Not just a crypto card. A complete global financial infrastructure.
| Comparison | UPFINANCE | REDOTPAY | TEVAU |
|---|---|---|---|
| Direct payment processing (no intermediary) | ✓ | ✕ | ✕ |
| Real bank accounts (EU · HK · US, etc.) | ✓ | ✕ | ✕ |
| Crypto ↔ Fiat T+0 direct settlement | ✓ | ✕ | ✕ |
| 150+ country fiat support | ✓ | Partial | Partial |
| Business payment tools (payroll · suppliers) | ✓ | ✕ | ✕ |
| Investment features (stocks · real assets) | ✓ | ✕ | ✕ |
| Savings & term deposits | ✓ | Partial | ✕ |
| Large-scale transactions (millions+) | ✓ | ✕ | ✕ |
Full Financial Infrastructure
Not just a card — a complete financial platform for individuals, businesses, and institutions.
Direct Settlement
No card networks or intermediaries. T+0 instant settlement with zero delay.
Truly Global
Real bank accounts in EU, HK, US & Singapore. 150+ country fiat support.
The UpFinance Ecosystem
Integrated financial services beyond the card
Crypto ↔ fiat exchange (22 currencies)
Unified B2B·B2C payments · T+0 settlement
Prediction markets
RWA-based real-asset investing
Yield products up to 8% APY
Supported Networks
Asset Flow & Exchange
Experience seamless movement between digital assets and fiat currencies. Visa merchants, 150+ countries supported.
Instantly convert crypto to fiat for everyday payments
Swap freely between BTC, ETH, USDT and more
Buy crypto instantly with your fiat balance
Exchange and transfer across 150+ global fiat currencies
Watch Shorts
FAQ
Find answers to common questions about our service
Join the global community
Be the first to get UpFinance news and events on Telegram.