MPCHAT CARD Global payments, reimagined.
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $10 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | $250,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $10 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | $250,000 |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | NOT DISCLOSED |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $1,500 |
| DAILY LIMIT | $250,000 |
- Cloud Card: basic virtual Visa, WeChat/Alipay/Google Pay, no Apple Pay.
- Boundless: physical card for ATM/POS, no Apple Pay.
- Flash Card: same + Apple Pay (BIN 40433705).
0.80% transaction fee on every card spend. $0.80 declined transaction fee (first 2/month waived). $0.15 fee on tx ≤$1. $35 chargeback fee. $0.80 auth/verify fee if rate ≥15%. 2% ATM fee. $2.10 wallet withdrawal fee (Cloud/Flash).
MPChat is a full platform: encrypted chat + wallet + card + banking.
Stablecoin QR payments available for P2P transfers.
Cards can be linked to: PayPal, GrabPay, GCash, LINE Pay, Touch 'n Go, Maya, Skrill, Neteller.
Cards do NOT work with: PayPay, ShopeePay, TrueMoney.
WeChat Pay & Alipay: 3% fee on transactions over ¥200 (platform fee, not MP).
THE REAL STORY ON THIS CARD.
- 3 card tiers for different use cases (basic virtual, Apple Pay virtual, physical)
- WeChat Pay & Alipay integration, rare for crypto cards
- 0% crypto-to-fiat conversion fee
- $0 monthly fee on all cards
- Very high limits: $250K daily, $1M monthly
- Binance Pay deposit support
- Global banking accounts with SWIFT
- Licensed in 3 jurisdictions (US, El Salvador, Hong Kong)
- Wallet is custodial
- 0.80% transaction fee on every card spend
- No Apple Pay on Cloud or Boundless cards
- Physical card issuance price not disclosed
- $0.80 declined transaction fee (first 2 free per month)
- $0.15 fee on micro-transactions ≤ $1
- ATM 2% fee (min $1)
- ATM prohibited in China and Singapore
- No cashback or rewards program
- No supported countries whitelist published
- Boundless physical card cannot use Apple Pay
GENERAL QUESTIONS.
Cloud Card: 10 USDT. Flash Card: 10 USDT. Boundless physical card: NOT DISCLOSED. Referral program offers 5 USDT bonus on first card.
Only with the Boundless physical card. Fee: 2% per withdrawal (min $1 USD). Exchange rate: real-time Reuters. Single withdrawal limit: $1,500. Daily: $1,500 / 3 withdrawals. ATM withdrawals are PROHIBITED in mainland China and Singapore.
Visa only. All cards are Visa issued by Interlace in Singapore.
Cloud Card: basic virtual Visa, WeChat/Alipay/Google Pay, no Apple Pay. Flash Card: same + Apple Pay (BIN 40433705). Boundless: physical card for ATM/POS, no Apple Pay.
