Question 1

How do I add the card to Apple Pay?

Accepted Answer

Add the card manually in the Wallet app. The cardholder name can be anything — it is not checked. The confirmation arrives by email, enter the code from the message. Open Wallet and tap “+”. Choose “Debit or Credit Card” and tap “Continue”. Choose “Enter Card Details Manually”. Enter the name, card number, expiry date and CVV. Accept the terms. Confirm by email. Enter the code from the email

Question 2

How do I add the card to Google Pay?

Accepted Answer

Add the card manually in Google Wallet. Take the billing address from the “Details” block on your card page — it differs by card type. Open Google Wallet and tap “Add to Wallet”. Choose “Payment card”. Choose “Enter details manually”. Enter the card number, expiry date, CVV and billing address. Accept the terms. Confirm by email. Enter the code from the email

Question 3

How many cards can I open?

Accepted Answer

Up to 10 cards per account. Each card is issued and paid for separately.

Question 4

Can I have two accounts?

Accepted Answer

No. One account per Telegram user. All your cards live inside that single account.

Question 5

What cardholder name should I use?

Accepted Answer

Any name — it is not verified. The billing address is specific to each card type and is shown in the “Details” block on the card page.

Question 6

Do I need any documents?

Accepted Answer

No, there is no verification. A Telegram account is all you need to issue a card.

Question 7

Is the issuance fee refundable?

Accepted Answer

No, issuance is final and the fee is non-refundable.

Question 8

How can I top up the card?

Accepted Answer

With crypto only. The top-up currency is USDT and it is converted into the card currency automatically.

Question 9

Can I top up from a bank account?

Accepted Answer

No. Top-ups from a bank account or another card are not supported.

Question 10

What is the per-top-up limit?

Accepted Answer

From $2,500 to $50,000 per transaction, depending on the card. You can repeat top-ups one after another.

Question 11

Are there wallet deposit or withdrawal limits?

Accepted Answer

There are none. Limits apply only to card transactions and to a single card top-up.

Question 12

What is the minimum top-up amount?

Accepted Answer

The minimum depends on the card: USD Visa Physical — $50. USD for Apple/Google Pay and online — $10. VIP EUR + ATM — €50. VIP USD + ATM — $50

Question 13

How much does issuing a card cost?

Accepted Answer

The issuance fee is always charged in USDT: USD Visa Physical — 200 USDT. USD for Apple/Google Pay and online — 50 USDT. VIP EUR + ATM — 100 USDT. VIP USD + ATM — 100 USDT

Question 14

What is the top-up fee?

Accepted Answer

The fee has a fixed part and a percentage of the amount: USD Visa Physical — 0 USD + 4.5%. USD for Apple/Google Pay and online — 0.25 USD + 4.5%. VIP EUR + ATM — 0 EUR + 4.5%. VIP USD + ATM — 0 USD + 4.5%

Question 15

Is there a decline or authorization fee?

Accepted Answer

Only for the cards where such a fee applies: USD Visa Physical — Declined transaction: 1 USD. USD Visa Physical — Authorization: 0.5 USD. USD for Apple/Google Pay and online — Authorization: 0.3 USD. VIP USD + ATM — Declined transaction: 1 USD

Question 16

Can I pay in another currency?

Accepted Answer

Yes. The issuing bank converts the amount automatically. The bank may add an FX fee that depends on the country and the transaction currency.

Question 17

What are the spending limits per card?

Accepted Answer

The limits are the same for every user: USD Visa Physical — Minimum top-up: $50; Single transaction: $50,000; Monthly spending: $100,000; Yearly spending: $1,000,000. USD for Apple/Google Pay and online — Initial balance: $5; Minimum top-up: $10; Single transaction: $30,000; Daily spending: $200,000; Monthly spending: $1,000,000. VIP EUR + ATM — Minimum top-up: €50; Single transaction: €10,000; Daily spending: €10,000; Monthly spending: €100,000. VIP USD + ATM — Minimum top-up: $50; Single transaction: $50,000; Monthly spending: $100,000; Yearly spending: $1,000,000

Question 18

Can I transfer funds from the card to another user?

Accepted Answer

No. A card can only be topped up from its owner's wallet. To pass funds on, send the crypto to the recipient's own account.

Question 19

Can I move funds from the card back to the wallet?

Accepted Answer

Not at the moment. The feature may appear later.

Question 20

How much can I withdraw at an ATM?

Accepted Answer

Withdrawals are available only on cards with ATM access: USD Visa Physical — Withdrawal per transaction: $250; Withdrawals per day: $750; ATM attempts per 24h: 3. VIP EUR + ATM — Withdrawal per transaction: €2,000; Withdrawals per day: €2,000; Withdrawals per month: €2,000. VIP USD + ATM — Withdrawal per transaction: $250; Withdrawals per day: $750

Question 21

What are the ATM fees?

Accepted Answer

ATM fees per card: USD Visa Physical — ATM withdrawal: 1 USD + 2%; ATM balance check: 1 USD; ATM decline: 1 USD; POS decline: 1 USD; PIN change: 1 USD. VIP EUR + ATM — ATM withdrawal: 3 EUR + 3%; ATM balance check: 0.3 EUR. VIP USD + ATM — ATM withdrawal: 1 USD + 2%; ATM balance check: 1 USD; ATM decline: 1 USD; POS decline: 1 USD; PIN change: 1 USD

Question 22

Which transactions are prohibited?

Accepted Answer

Prohibited transactions with examples: Topping up other cards — A transfer to another bank card. Debt and loan repayment — A loan payment to a bank. Money transfer services — Funding an e-wallet of a payment service. Currency exchange, money transfers, traveller's cheques — Buying traveller's cheques. Dating and escort services — A paid dating site subscription. Lotteries, casinos, betting — A bet at a bookmaker. Bail bonds — Paying bail for a detained person. Payments for AI services — A subscription to an AI chatbot. This list is not exhaustive. If you are unsure whether a transaction is allowed, contact support before paying. Violating the rules leads to blocking the card and account without a balance refund.

Question 23

Which merchant categories are not supported?

Accepted Answer

Payments in these categories will not go through: Quasi-cash transactions. Investment platforms. Gambling and betting. Adult content and escort. High-risk merchants. Jewelry and precious metals. Government procurement

Question 24

What should I do if a payment is declined?

Accepted Answer

Do not retry straight away: repeated attempts trigger the bank's risk protection and can block the card. Contact support instead — we will explain the reason.

Question 25

Where does the card not work?

Accepted Answer

The card works worldwide online and offline, except for a list of payment destination countries. The restriction applies to the payee's country, not to where you are.

Question 26

How is my account protected?

Accepted Answer

By two-factor authentication. Available factors: Code in the Telegram bot. One-time code from an authenticator app. Backup recovery codes. Signing in from a new device. Issuing a new card. Topping up a card. Viewing card details

Question 27

How do I enable 2FA?

Accepted Answer

Four steps: Open the Telegram bot and go to Security. Tap “Enable 2FA”. Scan the QR code with an authenticator app and enter the confirmation code. Save the backup codes. Keep the backup codes separately from your phone — they are what restores access if you lose the second factor.

Question 28

What if I lose access to the second factor?

Accepted Answer

Use your backup codes — they restore access. If you no longer have them either, contact support: access is restored through the Telegram account the profile is linked to.

Question 29

Which certifications do you hold?

Accepted Answer

ISO/IEC 27001, certificate IS 787451, issued by BSI Group. The SOC 2 Type II report is available on request.

Question 30

Can support ask for my password or code?

Accepted Answer

No. Never, in any channel. Any such request is a scam.

Question 31

How much do I earn per friend?

Accepted Answer

10 USDT for the first card they buy and 0.5% of each of their top-ups — with no end date.

Question 32

What does my friend get?

Accepted Answer

20 USDT towards their first card.

Question 33

Where do I get my link and code?

Accepted Answer

In the Telegram bot, Referral section. There is one code per account.

Question 34

In which currency are payouts made?

Accepted Answer

In USDT, credited to your account balance.

Question 35

Can I refer myself?

Accepted Answer

No: one account per Telegram user. Rewards are cancelled in case of abuse.

Frequently asked questions

Apple Pay and Google Pay

Cards and account

Top-ups

Fees

Limits

ATMs

Security

Referral programme

Restrictions

Countries