A USDT-funded virtual card aimed at Southeast Asia, with cheap top-ups and final transactions

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Relopay card is a virtual prepaid card that spends a balance you load with USDT. It is built for one specific situation: holding stablecoins, mainly USDT on the Tron network, and paying for everyday things without first converting them at an exchange. The pitch is simple and, in arithmetic terms, mostly attractive — a $3 issuance fee, a $0.2 charge per successful payment, no top-up fee on the virtual plan. What you give up for that is a lot: a fixed country list, a balance you generally cannot get back, and payments that cannot be reversed.

I scored it 6.0 out of 10. That is a middling score, and I want to be honest about why rather than dress it up. The costs are genuinely good, and the top-up options are the best part of the product. The eligibility rules are the problem: accounts are limited to countries the app lists as supported, and the restrictions page names the United States, Canada, Hong Kong and a long list of others as places whose citizens and residents are barred outright. If you are outside the supported list, nothing else on this page matters to you.

Read on and I’ll walk you through each of those claims — who gets the card, how to get it, what a payment actually costs, how to load it, and what can go wrong. Where the card’s own pages don’t say something, I’ll say that too rather than fill the gap with a guess.

The conditions described here are current as of October 28, 2026.

Verdict: 6.0 out of 10

So who does this suit? Someone in a supported Southeast Asian country who already holds USDT, pays online regularly, and treats the balance as spending money rather than savings. If your money is in a bank account and you want a normal card, this is the wrong product and a much cheaper one exists. It also does not suit anyone who needs to dispute a charge, withdraw cash, or get their balance back.

Will They Give You the Card?

This is the first question to answer, because everything else depends on it, and the answer is the least generous part of the card.

Accounts are limited to the countries listed under “Supported Countries” in the website and app. That list is not published in text form that I could read, so I can’t reproduce it for you. An earlier check of the same material showed Vietnam, Thailand and Indonesia, plus a waitlist for further countries. If your country isn’t on the in-app list, there is no workaround described anywhere on the card’s pages, and I’m not going to invent one.

Alongside that, the restrictions page sets out who is barred, and this is where it gets uncomfortable for a lot of readers. Citizens and residents of the following places cannot be served: American Samoa, Albania, Belarus, Bosnia and Herzegovina, Burundi, Canada, Central African Republic, Congo, DR Congo, Cuba, Guam, Hong Kong, Afghanistan, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Montenegro, Myanmar, Nicaragua, Northern Mariana Islands, North Korea, Puerto Rico, North Macedonia, Russian Federation, Serbia, Somalia, South Sudan, Sudan, Syria, Ukraine, United States, US Virgin Islands, Venezuela, Yemen, Zimbabwe. Belarus and Russia are excluded.

Notice that residents count, not just passport holders. Living in Canada with a different citizenship does not help you. The reason this list exists is straightforward and worth understanding rather than resenting: sanctions screening is applied to citizenship and country of birth as well as to where you live, because that’s how the compliance rules are written. A card issued in Southeast Asia that will be used around the world is exactly the kind of product those rules are aimed at.

The docs claim the card itself can be used in 170+ countries. That is the difference between where you must live to open the account and where you can spend once you have it — a much narrower window on the left than on the right, which is why the score here is a 3.

How to Get It

The route is short, and short routes usually mean fewer safeguards worth reading carefully.

You need to be 18 or over with full legal capacity. Verification is described as “standard verification is required”, run through Sumsub. In the app you choose the region “All countries except USA”, pick your country and your document, upload a photo of it, then complete a selfie or camera check. The stated result time is “a few seconds”.

What you get depends on which of the three plans you pick:

• Virtual — 24 months validity, reloadable, in USD, with 3-D Secure. Marked as the most popular option.
• Prepaid virtual — 60 days validity, maximum balance $1,000. Labelled as requiring KYC.
• Physical — a 3-year card that has been “Launching soon” for some time. Not available to you today.

The network is not named in the documentation I could read; an earlier check said Visa. Proof of address is not mentioned anywhere in the verification steps. The prepaid option’s 60-day validity is short enough to catch people out — it’s a throwaway balance, not a place to park money.

One gap worth naming plainly: only a single standard Sumsub check is described. The card’s public pages do not state verification tiers, expected times or the reasons a verification gets rejected, so I can’t tell you what happens if your documents fail on the first try.

Fees: What a Payment Really Costs

The headline numbers are good. The number that matters most to you is the one they don’t publish.

Three payments, walked through so you can see which lines actually bite.

A $30 subscription in USD. Issuance doesn’t apply again. You pay $0.2. Conversion only happens if the balance is held in crypto at the moment of payment — and here is the catch, because the conversion rate is not published anywhere I could read. With an unpublished rate, you cannot calculate the true cost of the payment in advance, only see it afterwards.

A €24 dinner abroad. The €24 is converted to USD automatically. No FX fee is stated, and no FX fee is quantified. The conversion happens, the charge applies, and the total you pay is not something the card’s pages let you predict. If you are the kind of person who checks the exchange rate before spending, this is the part that will frustrate you.

A declined payment at a till. $0.5. This is the number people discover by accident — a card that fails at the counter costs you half a dollar, and it costs you that whether the decline was your fault or the merchant’s.

On limits, the terms say Relopay and the issuer may set daily, monthly and per-transaction caps. The virtual plan’s balance is listed as $4,000 and its maximum monthly spending as $4,000 in the usage terms, while the cards page shows the same $4,000 balance with $50,000 monthly spending. The card’s own two pages contradict each other, so treat both numbers as provisional.

Funds are held in USD. The docs recommend paying in USD, and say other currencies such as EUR and JPY are converted automatically. There is no stated cashback or rewards programme.

How to Top Up

This is where the card earns its best mark, and it’s worth understanding why.

The usage terms describe topping up with USDT on TRC20 — the Tron network. The cards page is broader, naming Bitcoin, USDT and “other cryptocurrencies”; an earlier check listed USDT, USDC, ETH, BTC, TON and BNB. Either way, the mechanism is the same: coins are converted into local currency at the moment of payment, not at the moment you deposit them. You load, you spend, and the conversion happens per purchase.

The minimum is $5. The top-up fee is 0% on the virtual plan and 1% in USDT on the physical one, and both top-up and transaction fees are calculated in USDT. Whether you can load by bank transfer is not stated.

On the Tron detail: USDT on TRC20 is cheap to send because Tron prices its transactions through bandwidth and energy rather than gas, often burning TRX. That makes it the cheapest common route for a small deposit. The catch is that Tron is a different network from most of the others — send USDC over TRC20 and it will not work natively, because Circle stopped supporting USDC on Tron in February 2024. Get the network wrong on a deposit and the transfer is irreversible; it can be lost entirely or need manual support recovery with no guarantee.

Then the part that most people do not read closely. Deposits on the virtual plan are non-refundable, and an unused balance cannot be refunded to the wallet. The card expires after 24 months with whatever balance remains in it. On account closure, funds are withdrawn within “a reasonable period” less fees, and unclaimed funds are kept for three years.

Read that twice if you are thinking of loading more than you plan to spend this month. There is no route back to your wallet. That is not a fee; it is a loss of the option to change your mind.

Paying With It Every Day

The virtual card works with Apple Pay and Google Pay. Adding it to a wallet sends a $0 verification transaction, which may carry a small fee and can leave the balance slightly negative for a moment. Once in, the card behaves like any other contactless card, subject to the network’s rules and the issuer’s category restrictions.

Those restrictions are the ones that will bite in normal life. Blocked categories include gambling, dating, money transfers, quasi-cash, fuel and EV charging, telecoms, gift cards, brokerage and charity. Charity carries a specific penalty: 30% of the transaction value with a $5 minimum. If you give regularly to anything, that is a deliberate, priced decision by the card rather than an accident.

Two more practical notes. There is no App Store or Google Play app — the product runs as a Telegram mini app at @RelopayBot, and there are no ratings to read anywhere. Support is a Telegram bot, @RelopaySupportBot, plus a Telegram channel and accounts on X and Instagram.

And the single most important line in the terms is 9.11: all Relopay card transactions are final and may not be disputed, reversed or cancelled, except where the issuer or the law provide otherwise. Term 9.13 adds that disputes about goods are between you and the merchant, not with the card.

What that means in practice: if you are charged twice, if a subscription renews at the wrong price, if goods never arrive, the card is not your route to a refund. You deal with the merchant. This is also why prepaid and foreign-issued cards get declined at some tills — the merchant’s system reads the card’s country and type from its identification number and applies its own judgement. It is not personal, and it is not something the card can fix.

What Can Go Wrong

No official incidents came up in my checks. Searches for reviews turned up only unrelated companies with similar names — RelayPay, Relay Payments, Lopay — and no user reports about this card. There is no Trustpilot page for Relopay that I could find. The card’s public pages do not state anything further about complaints.

Read that carefully, because absence of evidence is doing work here. A young card with no complaint history and no review history is exactly what you would expect from a product that launched recently and holds a small user base. It is not evidence of quality.

The structural risks are more concrete.

Money you cannot get back. Non-refundable deposits, no wallet refunds, a 24-month expiry on any leftover balance. This is the largest single risk and it is a rule, not a malfunction.

No disputes. Term 9.11 again, because it deserves a second mention. If something goes wrong, the card offers no reversal path.

Someone else holds your balance. Fiat balances are held by the issuer, and the account lives in a Telegram mini app rather than a native app with a rating history. Card freeze and two-factor authentication are not stated. 3-D Secure is there, which helps at checkout but does nothing for a compromised login.

Who is actually behind it. Two companies appear: 1507613 B.C. LTD in Canada, described as a FINTRAC-authorised payment services provider, and RELOPAY PTE. LTD in Singapore, UEN 202514348M. The cards are issued by Xfers Pte. Ltd., and fiat balances sit with that issuer. Per a third-party profile — unofficial, and not something the card’s own pages confirm — Xfers holds a Major Payment Institution licence from MAS.

That structure is normal for this category. The card network routes the payment, a licensed issuer holds the programme and the balance, and the crypto brand is often just the front end. But it means your money sits with a licensed institution you have no relationship with, and that institution’s own regulatory status is something you would be relying on rather than something the card states.

Programme shutdown. This is the category’s recurring hazard, and it has a track record. Visa terminated its agreements with FTX on 13 November 2022 and the FTX US debit card was wound down. WaveCrest, which supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all its Visa programmes. The pattern is usually a notice period, then loading and spending stop, then you are asked to withdraw what remains. One 2026 closure reported by a secondary source — single source, unconfirmed — ended new loads on 8 July 2026 and spending on 8 August 2026. Given that your virtual-plan balance cannot be refunded to your wallet anyway, the shutdown scenario is worse with Relopay than it would be elsewhere.

Still unfinished. The physical card remains “Launching soon”, with a waitlist for further countries, per the cards page in 2026. ATM withdrawals are a physical-card feature, so cash is not available to you now.

What to Take Instead

Three alternatives came up in my comparison. Here is the honest version, including where they are worse.

Telecard scores marginally higher and is virtual-only like Relopay, with no physical or metal card. Its terms bar only users blocked or sanctioned by the US Government, including OFAC — no country list at all. Against that, it costs more: 1.5% on currency conversion, 0.5 USDT gas per successful transaction, and “up to 3% each” for FX and cross-border fees. It also requires a $99 minimum deposit to activate, which it insists is not a fee because it stays in your wallet. If you spend mainly in USD and want broader eligibility, it is the fairer comparison. If you spend abroad often, those percentage fees will exceed Relopay’s unstated ones.

Azul Card takes a completely different approach to eligibility: it excludes Russia, Belarus, North Korea, Iran, Syria, Cuba, Sudan, Venezuela, Ukraine and the Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson regions — and states that these restrictions apply regardless of nationality, so nobody can use the card there. Everyone else is fine. It is virtual-only, works anywhere Mastercard is accepted, and holds balances in USD. But creation costs $20, refunded only after $2,000 of spending, plus $5 monthly, and crypto top-up is 4%. Referral pays up to 40% of fees from your referrals’ transactions. That monthly fee alone would swallow Relopay’s annual cost many times over.

OnCards is virtual-only and lives in Telegram too, funded with USDT on BEP20 — the Binance network, not Tron. Almost nothing is quantified: no fees, no card currency, no country list. I would not build a spending habit on a page that doesn’t publish its numbers.

One honest word on these comparisons: all four are virtual cards with published figures thin in places, and all four are aimed at people who cannot get an ordinary bank card. If you can open a normal account, this entire category is a worse deal than a bank debit card, and the reason to consider any of them is access, not price.

Who I Would Recommend It To

I’d recommend Relopay to someone in a supported country who is already holding USDT on Tron, spends most of it online in USD, and has a small, regular budget they don’t mind spending. The fees are genuinely low — $0.2 a transaction with no top-up fee is better than anything else in this comparison — and the Apple Pay and Google Pay support means the card is usable in the places people actually shop. A $5 minimum top-up keeps the exposure small.

I would not recommend it as a place to hold money. Non-refundable deposits, no wallet refunds, a 24-month expiry on leftovers and final transactions mean every dollar you load should be a dollar you expect to spend. That is a spending tool, not a wallet.

I would not recommend it to anyone in the United States, Canada, Hong Kong or anywhere else on the restrictions list, to anyone in a country that isn’t in the app’s supported list, to anyone who needs cash from an ATM, to anyone who wants to dispute a charge, and to anyone who wants a physical card today.

And if you’re outside the corridor this card is built for, my honest advice is to check whether an ordinary bank account is available to you at all before optimising around a virtual one. If it is, do that instead.

Frequently asked questions

What is the Relopay card?

The Relopay card is a virtual prepaid card that spends a balance you load with cryptocurrency. You top up with USDT — the usage terms specify USDT on TRC20, the Tron network — and the card draws on a stored balance rather than a bank account. Coins are converted into local currency at the moment of payment, not when you deposit. It exists as a Telegram mini app at @RelopayBot, with no native app listed in the app stores.

Is Relopay a bank?

No — Relopay is not a bank, and I would not treat it as one. Two companies appear behind it: 1507613 B.C. LTD in Canada, described as a FINTRAC-authorised payment services provider, and RELOPAY PTE. LTD in Singapore, UEN 202514348M. The cards themselves are issued by Xfers Pte. Ltd., and fiat balances are held by that issuer. A third-party profile says Xfers holds a MAS Major Payment Institution licence, though the card’s own pages do not confirm that.

Who can get the Relopay card?

Only residents of countries listed under “Supported Countries” in the app — the list is not published in text, but an earlier check showed Vietnam, Thailand and Indonesia with a waitlist for more. On top of that, citizens and residents of a long list of places are barred, including the United States, Canada, Hong Kong, Belarus, Russia, Ukraine, Iran, Iraq, Syria, Venezuela, Yemen and Zimbabwe. Both citizenship and residence count, so living in Canada on a different passport does not help.

How much does the Relopay card cost?

Issuance is 3 USD, and the annual, inactivity and cancellation fees are free. A successful transaction costs $0.2 and a declined one $0.5. Top-up is 0% on the virtual plan and 1% in USDT on the physical one, with a $5 minimum. The figure that will actually decide your costs — the crypto conversion rate applied at payment — is not published, nor is any FX fee on non-USD payments.

Does the Relopay card require KYC?

Yes. You must be 18 or over with full legal capacity, and the card describes “standard verification as required”, handled through Sumsub. In the app you pick the region “All countries except USA”, select your country and document, upload a photo, then complete a selfie or camera check, with a stated result time of “a few seconds”. Proof of address is not mentioned, and the card does not state verification tiers or the reasons a check might be rejected.

How do I top up the Relopay card?

With USDT on the TRC20 network, from a minimum of $5. The cards page also names Bitcoin, USDT and other cryptocurrencies, and an earlier check listed USDT, USDC, ETH, BTC, TON and BNB. The virtual plan charges 0% to top up and the physical plan 1% in USDT, with fees calculated in USDT. Whether bank-transfer top-ups are possible is not stated. Check the network before sending: transfers are irreversible.

Can I use the Relopay card in my country?

The card is documented as working in 170+ countries, but that is where you can spend, not where you can open the account. Accounts are limited to the supported-country list in the app, and citizens and residents of a long exclusion list are refused outright, including the United States, Canada and Hong Kong. If your country is not on the app’s list, you cannot open an account at all — the card’s pages describe no alternative route.

Can I get money back from the Relopay card?

Generally, no. Deposits on the virtual plan are non-refundable and an unused balance cannot be refunded to your wallet. The card expires after 24 months with any remaining balance. On account closure, funds are withdrawn within “a reasonable period” less fees, and unclaimed funds are kept for three years. So treat Relopay as a place to spend, not a place to store.

Can I dispute a charge on the Relopay card?

Not through the card. Term 9.11 says all Relopay card transactions are final and may not be disputed, reversed or cancelled, except where the issuer or the law provide otherwise, and term 9.13 puts disputes about goods between you and the merchant. There is no chargeback route here. If a payment goes wrong, your only path is the merchant itself — which is worth knowing before you put large balances on it.

Is the Relopay card safe, and is it worth it?

Safe is a strong word for a custodial prepaid card holding money with a third-party issuer, reached through a Telegram mini app with no stated freeze or two-factor options. Worth it depends entirely on whether $0.2 a transaction beats your alternatives — in that narrow group, yes, clearly. Outside it, where you need cash, chargebacks, a refundable balance or a physical card, the answer is no, and a conventional card is the better deal.

Before you sign up, the honest checklist is short: confirm your country is on the app’s supported list, confirm your nationality and residence are not on the restrictions list, load the $5 minimum rather than more, pay in USD where you can, and keep the balance to what you actually expect to spend.

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