VPAY Card Banking, rebuilt for crypto
CARD FEATURE OVERVIEW. 
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 1.5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
AI agent cards and x402 payment protocol confirmed only on Twitter, not documented on vpay.fund. Consumer features take marketing priority; agentic roadmap delivery is uncertain.
Country eligibility is a black box. Website says "Global" with zero specifics.
THE REAL STORY ON THIS CARD.
- 0% vPay FX fees
- 0% deposit fees on 1000+ cryptocurrencies
- Up to 10% APY on balances
- 1.5% cashback on purchases
- Built-in cross-chain swaps
- Visa network for global acceptance
- Virtual, physical, and metal cards available
- Global platform (banking partners in USA, HK, Singapore)
- No monthly subscription fees mentioned
- Swift Transfers available
- Badge loyalty system (fees reduce to zero with usage)
- vLink payment links (no signup required for payers)
- KYC required
- Not transparent on spending/ATM limits
- Custodial wallet (not non-custodial)
- No IBAN details disclosed
GENERAL QUESTIONS.
vPay is an omni‑banking platform that combines global accounts, debit cards, payments, and financial services into a single system for both crypto and fiat transfers. It lets users move money instantly and handle payments in one place without juggling multiple apps or tools.
Yes, vPay officially shows virtual and physical cards on its website, which users can use for spending worldwide with seamless crypto‑to‑fiat conversion at checkout.
The platform also provides global accounts for international money movement, built‑in crypto swaps to trade assets inside the app, and the ability to send or accept payments with simple links.
Yes, vPay combines crypto and fiat in one platform, allowing you to hold, swap, and spend across both asset types. The system supports crypto wallets and integrates with accounts for international payments.
MORE CRYPTO CARDS.
PHANTOM CASH CARD
NEBEUS CARD
BLEAP CARD
