MPay Card
MPay · Visa
MPay Card is a Web3-native virtual crypto card operated entirely through a Telegram bot, with no dedicated app. You activate it by connecting a self-custody wallet (MetaMask, Trust Wallet, Phantom, TON Wallet) with no traditional KYC for most users, and top it up on demand with USDT on Ethereum, BNB Chain, Solana or TON. The virtual card runs on the Visa network for online purchases (e-commerce, gaming, travel, entertainment) and is available in most regions worldwide, with features varying by jurisdiction. It offers no cashback and no ATM withdrawals. Transparency note: the team is not publicly verified and MPay does not disclose its fees (issuance, annual, FX markup); all undocumented CARD figures are reported as 0 pending official confirmation.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | No ATM withdrawals |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | — |
| Chains | Ethereum, BNB Chain, Solana, TON |
| Contactless | No |
| Virtual card | Yes |
| KYC | No KYC |
| Privacy | 8/10 |
| Supported countries | EEA, UK, APAC, LATAM, MENA, AFRICA |
| Funding / solidity | MPay è una piattaforma di pagamento Web3-native che emette carte Visa virtuali ricaricabili in USDT, gestite tramite bot Telegram. Le transazioni sono processate tramite partner di pagamento dichiarati come licenziati, ma l'entità legale, il paese di costituzione e il regolatore non sono divulgati pubblicamente. |
| Estimated net annual cost | €0/year |
| Segment | B2C |
| Funding / solidity | MPay is a Web3-native payment platform issuing virtual Visa cards topped up in USDT and operated via a Telegram bot. Transactions are processed through partners described as licensed, but the legal entity, country of incorporation and regulator are not publicly disclosed. |
Strengths
- Self-custody with no KYC: connect your own wallet without identification for most users
- Multi-chain: top up USDT from Ethereum, BNB Chain, Solana or TON with popular wallets
- Visa virtual card activated quickly via Telegram, usable online in most regions
- Self-custody: funds stay in your wallet — the platform cannot touch them.
- No KYC: usable without identity verification.
Weaknesses
- Undisclosed fees (issuance, annual, FX markup): poor commercial transparency
- Unverified team and no publicly known license/regulation
- Virtual-only Visa card, USDT-only, no cashback and no ATM withdrawals
- No notable sovereignty drawback documented.
Verdict
No verifiable protection: MPay discloses no legal entity, license or regulator, and the cited payment partners are unnamed. In case of issues there is no identifiable regulatory or supervisory reference point.
Good operational sovereignty: the card connects to a self-custody wallet with no traditional KYC and funds stay with the user until top-up, but the opaque team and lack of any license lower overall trust.
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
Does MPay Card require KYC?
No: for most users there is no traditional KYC. You connect a self-custody wallet (e.g. MetaMask, Trust Wallet, Phantom, TON Wallet) and top up in USDT; some features may vary by jurisdiction.
Which blockchains does it use and how is the card used?
USDT top-up is supported on Ethereum, BNB Chain, Solana and TON. The card is virtual on the Visa network, managed via a Telegram bot, and designed for online purchases.
Sources
- Official service page Kyc · Blockchain · Payment network · Virtual · +5 Data verified on Jun 23, 2026
- todey.xyz Kyc · Custodial · Blockchain · Payment network · +3 Data verified on Jun 22, 2026