Virtual USD Card · Live

Spend your crypto, anywhere.

A dollar-denominated card funded straight from your YDPay wallet. Top up with crypto, spend in USD online and in-store — issued on Visa and Mastercard rails.

YDPay Cards app interface
See it in action

Your card, in 60 seconds

Watch the YDPay card walkthrough

One card, funded by your crypto.

The Virtual USD Card is live today. Create yours in seconds, spend the dollar value of your balance, and keep everything inside the wallet you already trust.

USD denominated
USD-denominated
Spend in dollars, settled from your crypto balance.
Instant issue
Instant issue
Virtual card created the moment you need it.
Accepted worldwide
Accepted worldwide
Works everywhere Visa and Mastercard are.

Why you'll reach for this card

Global acceptance

Global acceptance

Tap, swipe or pay online anywhere Visa and Mastercard are welcome — across 200+ countries.

Online shopping and travel

Online shopping & travel

Book flights, pay for subscriptions and shop international stores in stable dollars.

Top up from your wallet

Top up from your wallet

Fund the card straight from your crypto balance — no bank transfer, no waiting.

Apple Pay and Google Pay

Apple Pay & Google Pay

Add the card to your phone wallet and tap to pay in seconds, securely.

Freeze and security controls

Freeze & security controls

Lock the card instantly, set spend limits and stay protected by real-time monitoring.

Transparent fees

Transparent fees

Clear, upfront pricing on issuance, FX and spending — no hidden surprises.

Up and running in
four steps

Step 1

Register

Sign up with your email and breeze through a quick KYC check.

Step 2

Fund your wallet

Top up with USDT or Naira, we handle the conversion to USD.

Step 3

Create your card

Generate your Virtual USD Card instantly, right inside the app.

Step 4

Spend

Pay online, in-store and abroad and freeze it any time.

Honest pricing,
no surprises.

Card issuance, FX and transaction fees are laid out in full — so you always know exactly what you'll pay before you spend.

See full fees & limits →

Card questions, answered

How do I fund my YDPay card?
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Your card draws directly from your YDPay wallet balance. Top up with USDT or Naira, and we instantly convert to USD at the point of spend — no separate card-loading step.
Is the card virtual or physical?
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The Virtual USD Card is live now and issued instantly inside the app. A physical card is on the roadmap for users who want to tap and pay in-store.
Where can I use it?
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Anywhere Visa and Mastercard are accepted — online checkouts, subscriptions, travel bookings and international merchants. Add it to Apple Pay or Google Pay for contactless spending.
What does it cost?
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Card creation and everyday spending are designed to stay low-fee. A full breakdown of issuance, FX and transaction fees lives on our fees page so there are no surprises.
How secure is it?
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Freeze and unfreeze the card in one tap, set spend controls, and rely on the same multi-layer encryption and real-time monitoring that protect your YDPay wallet.

Your crypto is ready to be spent.

Download YDPay, create your Virtual USD Card, and start paying in dollars today.