Kolan scored 5.7 out of 10 in my review: a virtual USD card aimed at online payments, with almost none of its fees or rules published

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Kolan is not really a wallet you carry around. It is a virtual card, denominated in US dollars, that you load from a crypto balance and then use to pay for things on the internet. That single sentence tells you most of what you need to know, and most of what is missing. It tells you the good part: if a website will not take your card but will take a US dollar card issued by a named financial institution, a Kolan card may get through. It tells you the bad part: there is no physical card, there are no Apple Pay or Google Pay announcements I could confirm, and the moment you ask “what does it cost me?” the public pages go quiet.

I gave it 5.7 out of 10. That is not a rejection, it is a shrug with a footnote. Kolan does one specific job for one specific person, and it does it without publishing the numbers that would let you plan around it. If you are paying for online subscriptions with crypto sitting in an exchange account and nothing else has worked for you, this is worth an afternoon of testing. If you want a card to live on, you should keep looking.

The conditions described on this page are current as of October 28, 2026.

Verdict: 5.7 out of 10, and it is a narrow card

Here is where each mark came from, with the reasoning attached.

The score is dragged around by one number: everyday use, 3 out of 10. That is the lowest mark in the set and it is not close. A virtual-only card cannot go into a shop, cannot be handed over for a table, cannot survive a card reader with a dead contact strip. For online subscriptions it is fine. For the rest of your life it is not a card.

The two strongest marks are who can get it, at 8, and reliability, at 6. The first is genuinely good news for the reader this page is written for: someone anywhere who cannot get an ordinary bank card. Opening data puts Kolan in 100+ countries, and the unofficial picture is consistent with that, with non-Americans in 50+ countries named specifically. That is a broad map. But I want to be careful about the word “unofficially”, because it does a lot of work in that row: it comes from third-party listings, not from Kolan’s own pages, and it describes account availability, which is not the same as card eligibility.

Reliability at 6 is a middle mark with real weight behind it. On one side: a named company, Hurupay Inc., doing business as Kolan; unofficially a US-based fintech registered as a money services business, and a member of the inaugural Circle Developer Grant Program cohort. On the other side: the issuing institution is not named anywhere public, and Cursor staff writing in August 2026 said prepaid and crypto-funded virtual cards “often have issues” — checkout declines, failed renewals. That is a generalisation about a category, not a complaint about Kolan. I found no Trustpilot page and no Reddit results for either Kolan or Hurupay, and I found no official incident reports either. Absence of complaints from a card this young tells you less than you would like.

The audience the card is built for is narrow and worth naming plainly: people paying for online services with a virtual USD card. That is the design centre. Everything else is edge case.

Will they give you the card?

Kolan does not publish a country list, and its public pages do not say who is eligible. The starting data for the card is 100+ countries. Unofficially, and I want the qualifier to travel with the number, Hurupay offers accounts to users in “more than 100 countries” — that is account availability, not a promise that every one of those countries can be issued the card. A separate Kolan profile listed by third parties describes non-US individuals in over 50 countries, in 2026 listings on Alchemy and au-startups.

So there are three numbers in play and they do not agree with each other, because they are measuring different things:

• 100+ countries — the starting data attached to the card.
• “More than 100 countries” — Hurupay’s own account reach, per a third-party listing.
• 50+ countries — non-US individuals, per the same third-party listings.

Two of those are unofficial. The third, 100+, is where the card’s own record starts. Neither of the third-party listings gives you a country list or a list of exclusions, which is exactly the thing you would want if you are trying to work out whether your own country is in scope. Nobody has published one.

Here is the honest shape of the answer: Kolan looks broadly open, and unusually so for a card that has to run somebody’s KYC checks. But “broadly open” is not the same as “open to you”. The specific checks the card’s public pages do not describe are identity verification and what level of it applies. Both came back as not stated. For a reader who has been turned away by a bank before, that silence is uncomfortable, because identity checks are usually the wall you hit.

The company behind the name is worth knowing. Kolan is operated by Hurupay Inc., which does business as Kolan. Third-party sources describe it as a US-based fintech registered as an MSB — a money services business — though the registration body and number are not given, so I cannot tell you which register to check. Kolan was in the inaugural Circle Developer Grant Program cohort. The card issuer itself is not named. I will come back to why an unnamed issuer matters, in the risks section, because it is the single most consequential thing the card does not tell you.

How to get it

The short answer is that the card’s public pages do not describe the application process, so I cannot give you a step-by-step and I will not invent one.

What is not stated, and it is a long list for something live:

• Whether the application requires KYC, and what kind.
• What the card is officially described as. Officially, not stated. Unofficially, a USD virtual card for online spending, per an Alchemy listing from 2026 — with the network unknown. One Cursor contributor speculated that it “could work if it’s a Visa or Mastercard”, which tells you how little even interested users could find.
• Delivery. Virtual only. Whether a physical card exists or is planned: not stated.
• Identity verification levels: not stated.

That is the entire picture, and I would rather show you an empty page than dress it up. The practical consequence is that you are signing up for a product whose onboarding you cannot preview. You cannot find out in advance which documents you will be asked for, how long it takes, or whether the answer is yes for someone in your country. If you have been declined by other providers, this uncertainty is the thing to weigh — not the interest rate, which does not exist here.

What I can tell you is what the flow probably looks like structurally, because the funding model implies it: an account, a linked wallet, then a virtual card generated against a balance. But “probably implies” is my inference, not the card’s statement, and I am labelling it as such so you can discount it accordingly.

One dated snapshot of real use might help more than speculation. On August 13–15, 2026, a Cursor forum thread discussed using a Kolan virtual card for a Pro+ plan, and Cursor’s position was neither support nor block — it neither endorses the card nor prevents it. If that is the category of purchase you have in mind, there is at least one documented case of someone trying it.

Fees and what a payment actually costs

Here is the honest headline: Kolan does not publish its fees, and neither does it publish its costs. Issuance fee: not stated. Monthly fee: not stated. Conversion fee: not stated. FX fee: not stated. ATM: not stated. Daily limits: not stated. Monthly limits: not stated. Tiers: not stated. A directory description claims “no hidden FX fees”, which is unofficially sourced and, even if true, tells you nothing about a spread or a conversion charge elsewhere.

Read that table again and notice what it is: a fee schedule written entirely in the language of absence. For a card whose whole purpose is to convert crypto and spend it, the conversion fee is the number that decides whether the card is useful to you, and it is the number that is missing. A card with no monthly fee can still be expensive, if the conversion takes three percent each time you top up and you top up weekly.

Let me take three ordinary payments and run them through what we know, so you can see the shape of the problem rather than a number I do not have.

A monthly subscription in dollars. You hold crypto, you convert it to a dollar balance, the card is charged. The card’s currency is not officially stated, though the unofficial profile describes a USD virtual card, and Hurupay’s wider account range covers virtual USD, EUR and GBP. What you cannot determine: whether the conversion happens once at top-up or on every purchase, what that conversion costs, and whether a dollar charge from a dollar card triggers any FX at all. A third-party claim of no hidden FX fees is consistent with the cleanest version of this scenario — but unconfirmed by the card.

A subscription priced in euros. Here the missing currency line starts to bite. If your card is dollar-denominated and the merchant bills in euros, something has to convert. Either Kolan does it at an undisclosed rate, or the merchant’s own processor does it and your bank does not get a say, because there is no bank. Either way the rate is not published. This is the scenario where “no hidden FX fees” matters most, and the scenario where I would want it in writing.

A top-up you have to reverse. Say you send the wrong amount, or the network is wrong — more on that in the funding section. Card fees are the small part of that loss. Crypto transfers are typically irreversible, and a stolen or misdirected key has no built-in recovery, because the network cannot freeze or return the funds. This is the category-level risk, and it is the reason I would keep small balances on a card rather than a large one.

I am not going to give you a monthly cost estimate, because I do not have the inputs. What I will give you is the question to ask support before you put real money on it: what is the conversion rate or spread between the crypto I deposit and the dollars that reach the card, and what else is taken? If the answer is vague, that is your answer.

How to Top up the card

The mechanism is the one genuinely clear thing about Kolan, and it is worth understanding because it explains both the appeal and the trap.

Starting data describes the flow like this: crypto is deposited into a Kolan account, held as USDC in a linked wallet as collateral, and converted to USD to load the virtual card. Three things follow from that sentence, and none of them is optional.

First, the deposit is a crypto transfer, and transfers are irreversible. Blockchain transfers cannot be undone, so a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost or need manual support recovery with no guarantee of success. This is the single biggest practical hazard of top-ups, and it is not specific to Kolan — it is how the underlying technology works.

Second, the networks are not stated. Nobody has published which chains Kolan accepts. That is worse than it sounds, because the choice of network is not cosmetic. Fees on the deposit are set by the blockchain, not by the card provider, and they differ sharply: on Ethereum, gas is paid only in ETH, so a wallet holding USDT with no ETH in it cannot send at all. Tron prices its transactions through bandwidth and energy resources and often burns TRX. So a wrong guess can cost you more than a fee, or make the transfer impossible, and you will not know until you try.

Third, and this is specific to stablecoins, “USDC” does not pin down a network either. Circle lists USDC as natively supported on 38 networks as of 16 September 2026, including Ethereum, Solana, Base, Polygon PoS, Avalanche, Arbitrum and Stellar. Circle stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option — a detail that catches people out, because USDC and USDT behave differently there. USDT has been issued on networks including Ethereum, Tron, Solana, Polygon and Avalanche. Tether also states that it disables tokens in wallets on the OFAC sanctions list and has frozen funds tied to illicit activity, so stablecoins are not censorship-proof.

If that sounds like a lot of low-level detail for a payment card, that is the point. This is what you are buying access to: a dollar-denominated front end onto crypto rails whose addressing, fees and failure modes are yours to manage. Send a small test amount first, to an address you have verified twice, before you send anything you would miss.

Withdrawals are the mirror image. For the card itself, withdrawal is not stated. Unofficially, per an Alchemy listing, Hurupay accounts allow withdrawal to crypto exchanges or local banks. So there is likely a way out, but the card’s own pages do not describe it, and a withdrawal path you have not tested is not a withdrawal path.

Paying with it every day

Everyday use scored 3 out of 10, and I want to be precise about which parts of “everyday” that covers. It is not a complaint about quality. It is a description of what the card is: a virtual USD card, nothing more. Every other convenience is either undisclosed or absent.

• In stores: no. Virtual only. There is no physical card.
• In a phone wallet: unconfirmed. Apple Pay and Google Pay are not disclosed. Both are technically possible with a tokenised number — Apple Pay stores a device-specific Device Account Number in the Secure Element rather than on Apple’s servers, with a one-time dynamic security code per payment — but nobody has said Kolan supports either. Do not plan around it.
• In a checkout that behaves oddly: expect the category’s usual frictions. A merchant category code is a four-digit number classifying a business under ISO 18245, assigned when a business starts accepting cards. MCC 7995 covers gambling, and many issuers block it on specific cards by policy rather than by law, with the blocked list differing by issuer. Since Kolan’s issuer is not named, you cannot know its policy. Online payments may also carry 3-D Secure, where the issuer assesses risk and either approves frictionlessly or challenges you with a one-time code or biometric; Visa’s brand is Visa Secure, Mastercard’s is Identity Check, and EMV 3-D Secure 2 supports one-time passcodes and app-based authentication aligned with EU strong customer authentication. Whether Kolan runs any of it: not stated.
• Address checks: expect friction. AVS compares the numeric parts of a billing address against issuer records, is mainly offered in the US, Canada and the UK, and is generally unavailable for foreign-issued cards — which can cause declines. A virtual card issued for online spending fits that description.
• Currency conversion at checkout: the card currency is not officially stated.

There is a category-wide reason cards like this get declined that is worth ten words, because it explains a lot of “it just didn’t work”. A payment card number starts with a 6 or 8 digit issuer identification number, the BIN or IIN, identifying the card-issuing institution. Merchants can look that BIN up, see which institution and which country issued the card, and apply extra scrutiny when the issuer country differs from the customer’s billing address. Some merchants decline prepaid or foreign BINs outright. A virtual dollar card issued by an unnamed institution, in an unnamed country, for a person whose billing address is somewhere else, is close to the exact profile of a card a fraud filter treats with suspicion. When that happens it is not personal and not your fault, but it will still cost you the purchase.

Support is not stated. Rewards are not stated. Wallets are not stated — and that phrase deserves care, because “linked wallet” in the funding model is not the same as an app that shows you a balance and lets you move it. Disputes and chargeback handling are not stated. A chargeback is a refund ordered by the issuer to settle a dispute, with reason codes such as fraud, duplicate billing or goods not received; US debit card reversal rights come from Regulation E and credit card rights from Regulation Z, while prepaid-card coverage varies and should not be assumed. If the issuing institution is not named, you do not know which regime, if any, sits behind your card.

One more operational detail that costs people money: a declined authorisation may leave a hold on your funds that can persist for several days, typically up to seven.

What can go wrong

I want to separate three different kinds of trouble here, because they have very different probabilities and very different remedies.

The card-specific risks. The issuer is not named, and that is the root of most of the others. When Visa or Mastercard license an issuer, they can suspend a programme; neither network issues crypto cards to consumers itself, it licenses issuers and sets the rules. In November 2022 Visa said it had “terminated our global agreements with FTX”, and the FTX US debit card programme was wound down by its issuer. That is a category precedent, not a prediction about Kolan. But without a named issuer, you cannot look up a licence, read a dispute policy, or find out which network’s rules protect you. Card freeze exists, per a directory description; spending controls including it are the same source. Custody arrangements and whether two-factor authentication is available: not stated. Typical safeguards in this category are app-based 2FA, instant card freeze, spending limits, 3-D Secure confirmation and tokenised mobile wallets — take that list as the things worth asking about, not as a description of what Kolan offers.

The things that happen to everyone in this category. Programme closures follow a pattern: a notice period, then loading and spending stop, then users are asked to withdraw remaining balances. One 2026 closure reported by a secondary source ended new loads on 8 July 2026 and stopped spending on 8 August 2026 — single source, unconfirmed, and I include it only to show you what the ending looks like. Issuer suspensions have happened before: WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. Declines at checkout are the everyday version of the same problem, and Cursor staff in August 2026 said prepaid and crypto-funded virtual cards “often have issues”, such as checkout declines or failed renewals.

The regulatory layer, because it is real and mostly invisible to users. A card is a payment service, regulated under e-money and payments law, separately from the crypto side; a crypto card often depends on two licences. In the EU, MiCA, Regulation (EU) 2023/1114, took legal effect in June 2023; its rules on asset-referenced and e-money tokens applied from 30 June 2024 and the remaining provisions, including crypto-asset service provider rules, from 30 December 2024. Under MiCA, e-money tokens may be issued only by a credit institution or an electronic money institution. The transitional grandfathering period lets providers already operating under national law continue only until 1 July 2026 or until they receive or are refused a MiCA authorisation, whichever comes first — so the licence status of any provider you consider today can change on a date that has already passed in this timeline. ESMA keeps an interim register of authorised CASPs, white papers and non-compliant entities, and users can check a provider there. A CASP authorised in one member state can serve the whole EU, Coinbase’s Luxembourg licence being the example usually cited. EMIs must safeguard customer funds by segregating them in dedicated accounts or insuring them, but such funds are not the same as bank deposits and may not be covered by deposit guarantee schemes — read that again if someone describes this money as “in your account”. An electronic money institution in the EU can issue e-money, payment cards and e-wallets but cannot lend, and it may offer services across the EU/EEA from a licence granted in one member state. In the US, FinCEN guidance, FIN-2013-G001, treats administrators and exchangers of convertible virtual currency as money transmitters, while mere users buying goods or services are not.

Identity checks are where this becomes personal. KYC rules require regulated businesses to verify customers and assess risk as part of anti-money-laundering and counter-terrorism-financing law, including ongoing monitoring and suspicious-activity reporting. In the EU, customer due diligence covers name, address, date of birth, nationality and identity documentation, a sanctions check, the purpose of the relationship, and whether the customer is a politically exposed person. If due diligence cannot be completed, EU rules require the institution to refrain from the transaction or relationship and, where necessary, end existing relationships — which is why accounts get closed or frozen pending documents. In the US the customer identification programme requires name, date of birth, address and an identification number, and electronic KYC systems validate proof-of-address documents against records. Nationality is recorded and screened separately from residence, because sanctions screening and issuer risk policy are applied to citizenship and country of birth as well as to country of address. Prepaid and debit cards are generally available to adults aged 18 and over, and some issuers set higher limits.

Kolan states none of this. Not because it is evading it — a provider doing this properly is almost certainly doing all of it — but because the public pages do not say. If your own history includes a frozen account or a declined application, the absence of a published identity policy is a genuine unknown, and it is one you have to weigh yourself.

One risk that is yours by design: crypto transfers are irreversible, and so are top-ups to the wrong network. Another that is not yours at all: custodial platforms have a real failure record. Mt. Gox, about US$350 million reported stolen across 2011–2014; Coincheck, about US$400 million in 2018; Ronin Network, US$625 million in 2022. Kolan’s model holds crypto as USDC in a linked wallet, and the security of that arrangement depends on credentials the company holds rather than a seed phrase in your hands. If you would be holding the seed phrase yourself, you would bear sole responsibility for key loss, phishing, and clipboard-hijacking malware that swaps copied addresses. Neither model is free of risk; they are different risks, and the custodial one is a bet on a company whose financials and issuer I could not verify.

And the stablecoin itself is not risk-free. A stablecoin aims to hold a stable value against a fiat currency, but despite the name, stablecoins are not necessarily stable. Tether’s USDT and Circle’s USDC are US-dollar-pegged, and the BIS in July 2025 put about 90% of stablecoin market capitalisation in these two. Circle says USDC is redeemable 1:1 for USD and 100% backed by cash and cash equivalents, mostly in an SEC-registered government money market fund, with monthly reserve attestations by a Big Four firm. TerraUSD collapsed in May 2022, and USDC temporarily lost its peg in March 2023 during the US banking crisis.

Taxes are the last quiet cost, and I am flagging them rather than advising on them. The IRS treats digital assets as property, so exchanging them for goods, services, dollars or other digital assets generally produces a taxable gain or loss. For personal or investment holdings the result is a capital gain or loss, short-term if held one year or less. Gain is measured in local fiat currency using fair market value on the date of the transaction, so each card payment funded from crypto may be a separate disposal. How that lands for you depends on where you live; talk to someone qualified in your jurisdiction.

What to take instead

If Kolan’s silence on fees or its virtual-only format is the problem, these are the cards I compared it against. All three are in the same low-scoring territory, which tells you something about the category rather than about any one company.

Three contrasts are worth drawing out.

Cardex is the only one that names its networks. VERVE, VISA, Mastercard and UnionPay, with both virtual and physical cards, and it claims 200+ countries. It also has the only published conversion story: crypto converts to fiat at the moment of payment, using what it calls an “AI-Powered Conversion Rate” that scans global exchange rates and picks one. No percentage is stated, and it is listed in Naira on the App Store, so the Naira framing is real. If your objection to Kolan is “I don’t know what the conversion costs”, Cardex at least tells you when the conversion happens, which is more than Kolan does.

CardFlow is the cheapest on paper and the most regional. Creating a virtual card is completely free, per its site FAQ, and the card is created in 3 minutes. It aims at Nigeria as “Nigeria’s smartest fintech card platform” and at Nigerians and global users. Its top-up options are unusually practical for that market: Bitcoin, USDT, ETH, or a Naira bank transfer. No country list, no exclusions, no monthly fee.

HyperCard is the quietest of all four. It states no country list on its official pages, its App Store listing says the card works in more than 176 countries — acceptance, not eligibility — and its balance sits in USD or EUR. Its App Store page lists no fees, which is not the same as there being none. You deposit crypto such as USDT, BTC or ETH in the app and it converts to USD or EUR on the card, networks unstated.

Read across the bottom two rows and notice the pattern: every one of these cards leaves networks unstated, and three of four leave fees unstated. That is the category, not a Kolan failing. Which means the differentiator is not transparency, it is fit — and the honest fit question for each is whether its home market matches yours.

Who I would recommend it to

I would recommend Kolan to you if three things are true at once.

You are paying for online services, and a US dollar virtual card is the specific thing you need. That is the card’s stated design, it is what it was built for, and nothing else about it matters as much. If a subscription would not take your normal card, this is a real possibility that a normal card is not.

You already hold the crypto and are comfortable holding the rest. The mechanism is crypto in, USDC in a linked wallet, USD on the card. If you are already inside that world, the operational load is small. If you are not, you are picking up irreversible transfers, network fee quirks, and gas paid only in ETH on Ethereum — a wallet holding USDT and no ETH cannot send. That is a real learning curve to buy a virtual dollar card with.

You are willing to treat it as a small-balance tool and test before you rely on it. Because the issuer is unnamed, the fees are unpublished, and support details are not stated, this is not a card you can plan a month with. It is a card you try with a small balance, watch how it behaves at one merchant, and decide from that. Spend controls including a card freeze exist per a directory description; use them.

I would not recommend it to you if any of these are true.

You need a physical card. There is none, virtual only. No exceptions.

You need to know your cost per payment. The conversion fee, the FX treatment, the monthly fee, the limits — not stated. Anyone who cannot tolerate that unknown should look at CardFlow, where at least card creation is stated to be free, or Cardex, which at least publishes when conversion happens.

You are in a country where you need a named, checkable regulator. Kolan’s pages do not give you a country list, an issuer, or a licence number. The company is Hurupay Inc., third-party sources describe it as US-based and MSB-registered though the registration body and number are not given, and it was in the inaugural Circle Developer Grant Program cohort. That is a real company, not a name on a landing page — but it is not enough to satisfy a reader who intends to check registers.

You are planning to hold a large balance. Custodial risk is real in this category: Mt. Gox, Coincheck, Ronin. And if the programme ever ends, the pattern is a notice period, then loading and spending stop, then a request to withdraw.

And if what you actually need is a bank account — a real one, with a real IBAN, that is yours — then this is not that, and I would not pretend otherwise. Kolan is a payment card front end on crypto rails, nothing more, for a specific and legitimate purpose. Judged against that purpose rather than against a normal bank card, it is a reasonable tool with an unusually quiet public page.

Frequently asked questions

What is the Kolan card?

Kolan is a virtual US dollar payment card issued through Hurupay Inc., which does business as Kolan. You load it from a crypto balance and spend it online. Officially, the card’s own public pages do not describe what it is. Unofficially, third-party listings describe it as a virtual USD card for online spending, with the card network unknown — one contributor speculated it could work if it is a Visa or Mastercard. It is virtual only, with no physical version stated.

How does the Kolan card work?

Crypto is deposited into a Kolan account, held as USDC in a linked wallet as collateral, and converted to USD to load the virtual card. From there it behaves like a stored-balance card rather than a debit card, so it spends only what you loaded. Which blockchain networks are accepted for the deposit is not stated anywhere public, and that matters more than it sounds, because network choice determines fees and whether a transfer is possible at all.

Is Kolan a bank?

No. It is operated by Hurupay Inc., a fintech that third-party sources describe as US-based and registered as a money services business, though the registration body and number are not given. Kolan was in the inaugural Circle Developer Grant Program cohort. The card issuer itself is not named. This is not the same as having funds safeguarded under e-money rules, and it is not a deposit, so do not treat a balance here as banked money.

Who owns Kolan?

Kolan is the brand; Hurupay Inc. is the company that does business as it. That much is in the starting data rather than in third-party speculation. Beyond the DBA relationship, the card’s public pages do not name the card issuer, so the chain from your money to the card network runs through an institution you cannot look up by name.

Which countries can get a Kolan card?

The starting data says 100+ countries. Unofficially, Hurupay offers accounts to users in more than 100 countries, though that describes account availability rather than card eligibility, and third-party listings describe non-Americans in over 50 countries. No country list and no exclusions are published by anyone. If your country is not obviously covered by the 50+ figure, ask before you send anything.

Can I use the Kolan card in my country?

Probably, at an online merchant, since that is what the card is for. What nobody publishes is whether merchants will accept it. A card number begins with a 6 or 8 digit BIN that merchants can look up to see the issuer and country, and some decline prepaid or foreign BINs outright. Address Verification Service is mainly a US, Canada and UK offering and is generally unavailable for foreign-issued cards, which itself causes declines. Expect friction, and expect a declined authorisation to hold funds for up to seven days.

How do I apply for a Kolan card?

The public pages do not describe the application. Whether KYC is required, which documents are needed, how long it takes, and what identity verification levels apply are all not stated. That is not a reason on its own to skip it, but if a previous provider declined you, the fact that you cannot preview the checks is the thing to weigh. Ask first, then send documents.

What are Kolan’s fees?

Nobody knows from the card’s own pages. Issuance, monthly, conversion, FX, ATM and any tier pricing are all not stated, as are daily and monthly limits. A directory description claims no hidden FX fees, which is unofficial and not confirmed by the card, and says nothing about conversion spreads. For a card whose job is converting crypto and spending it, the conversion fee is the number that decides whether it is useful to you, and it is the one you will have to ask for.

How do I top up the Kolan card?

You send crypto to a Kolan account, where it is held as USDC and converted to USD for the card. Networks are not stated, so send a small test first. Transfers are irreversible: a deposit on an unsupported network or to an address of another network can be lost or need manual recovery with no guarantee. On Ethereum, gas is paid only in ETH, so a wallet holding USDT and no ETH cannot send at all.

Is the Kolan card safe?

There is no account of incidents, and no Trustpilot page or Reddit results for Kolan or Hurupay either — which for a young card means little. What I can weigh: the issuer is unnamed, so I cannot check a licence or dispute policy. Cursor staff wrote in August 2026 that such cards often have issues. Card freeze exists per a directory description. Custody and 2FA are not stated. Keep small balances.

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