YPT Card
YPT (Yield Pay Trade) · Visa
YPT (Yield Pay Trade) is a crypto-linked Visa card aimed at everyday spending, with instant virtual card issuance and Apple Pay and Google Pay support across 130-175 million merchants. The model is custodial: according to TODEY funds are held with a stated $50M insurance coverage. It is topped up with USDT, USDC, BTC and ETH via the Ethereum (ERC20), TRON (TRC20), BSC (BEP20), Polygon and Bitcoin networks. Identity verification (KYC) is full, handled via the SumSub provider. There is a one-time card opening fee of about $10 (10U) and no monthly or annual fee; the FX markup is 1.2% on non-default currencies and there is no cashback. Important: the issuer is not verified by TODEY and does not publicly disclose its license or regulator, so paese_licenza is conservatively set to EU and the license is flagged as undisclosed. The opening fee is not documented in EUR (the official figure is in USD/USDT), so fee_emissione_eur is set to 0 in the absence of an official euro figure; likewise ATM limits are not documented.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Account fee | Free |
|---|---|
| Multi-currency | USDT, USDC, BTC, ETH |
| Network | Visa |
| ATM withdrawal | 1% |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK, LATAM |
| Segment | B2C |
| Funding / solidity | The YPT Card is issued by YPT Group Limited, a crypto-linked Visa card for everyday spending with a virtual card (physical coming soon), Apple Pay and Google Pay. The issuer does not publicly disclose its license or regulator. |
| MiCA / License status | Nessuna licenza o ente regolatore divulgato pubblicamente: l'emittente non e verificato (TODEY segnala 'company not yet verified') |
Strengths
- Visa card accepted at 130M+ merchants with Apple Pay and Google Pay
- Instant virtual card issuance and top-up with USDT, USDC, BTC and ETH on multiple networks
- No monthly or annual fee, only a one-time opening fee
- No notable sovereignty advantage documented.
Weaknesses
- Unverified issuer: no license or regulator publicly disclosed
- Custodial model (funds held in custody) and 1.2% FX markup on non-default currencies
- No cashback and ATM limits not publicly documented
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Weak protection: unverified issuer, no license or regulator publicly disclosed and a custodial model (funds held in custody). The stated $50M insurance coverage cannot be independently verified.
Low sovereignty: custodial model with full KYC and automatic fiat conversion; the user does not hold the keys and depends entirely on the issuer for access to funds.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is the YPT Card custodial or self-custody?
It is custodial: according to TODEY funds are held with a stated $50M insurance coverage. Users top up with USDT, USDC, BTC and ETH on Ethereum, TRON, BSC, Polygon and Bitcoin networks.
How much does the YPT Card cost and what fees does it have?
There is a one-time opening fee of about $10 (10U), with no monthly or annual fee. The FX markup is 1.2% on non-default currencies and there is no cashback.
Sources
- Official service page Azienda · Url ufficiale · Virtual card · Blockchain · +3 Data verified on Jun 23, 2026
- spark.mwm.ai Azienda info · Azienda info en · Supported currencies Data verified on Jun 23, 2026
- todey.xyz Payment network · Custodial · Card issuance fee · Annual card fee · +7 Data verified on Jun 22, 2026