CoinsOnCards

    Issued by Sunrate Solutions Limited (Hong Kong) — Money Service Operator (MSO) license no. 16-11-02003

    Pintopay CardReview

    Custodial prepaid Mastercard from a Hong Kong issuer converting USDT to spendable USD.

    2.0
    Visit issuer
    Cashback
    Up to 0.00%
    Custody
    custodial
    KYC
    limited
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Users needing high spending limits ($300k/month) and minimal initial KYC for USDT spending.

    Skip if: You want cashback rewards or need to avoid the 2.5% USDT top-up fee.

    • Get a $300k monthly limit but pay a 2.5% top-up fee.
    • Use Apple Pay instantly, but top-ups are USDT-only and take 12 hours.
    Get the Pintopay Card

    How it works

    Funding: USDT (TRC-20) · USDT (ERC-20) · USDT (BEP-20)

    Fees

    annual fee$0.00 (Free)
    top up fee2.5% for top-ups of $100 or more; $2 minimum fee for top-ups below $100 (e.g., 4% on $50).
    monthly fee$0.00 (Free)
    issuance fee$0.00 (Free)
    transaction fee$0.25 USD flat per transaction.
    atm withdrawal fee$0.25 USD flat (ATM operator fees may apply).
    currency conversion feeNo additional markup; standard Mastercard exchange rates apply.
    BankingVirtual accounts: true · Virtual account deposits and withdrawals mentioned, fiat transfers between users supported

    Borrowing terms

    Terms of Service define the product as a 'crypto credit card' with credit secured by deposited virtual assets, while marketing materials describe 'prepaid payment cards'. Actual credit functionality unclear.

    Custody & risk

    • If the issuer disappears
      If the provider or its custody partner fails, users risk losing access to their assets.
    • Counterparty risk
      Custodial model means if provider or custody partner disappears, users risk losing access to their assets
    • Regulatory risk
      Multi-entity structure spanning Hong Kong, Delaware, Dubai, and Lithuania may create regulatory complexity
    • Regulatory risk
      Terms of Service grant platform extensive rights to collect information and perform identity checks despite marketing minimal-verification approach

    User funds are held by Pintopay and its partner, Cactus Custody (Matrix Trust Company Limited). Private keys are not controlled by the user.

    Protections

    • 3D Secure (3DS) for online transaction verification
    • Secure card details storage in app
    • Verification process for adding card to Apple Pay/Google Pay
    • Card freezing available through app/Telegram interface
    • Transaction monitoring via app/Telegram

    Insurance & coverage: No explicit insurance mentioned for crypto deposits

    Custody partners: Cactus Custody, Matrix Trust Company Limited (Hong Kong)

    Limits

    notes
    Minimum top-up amount ~$14 (for USDT on Tron network). No transaction frequency limits stated.
    atm daily
    Not explicitly stated (standard ATM network limits apply)
    daily spending
    Not explicitly stated (likely high given monthly limit)
    per transaction
    Not explicitly stated (constrained by available balance)
    monthly spending
    Up to $300,000 USD

    The good

    • High monthly spending limit of $300,000.
    • No monthly or annual fees.
    • Instant virtual card with Apple Pay support.
    • Referral program offers up to 40% commission.

    The catches

    • High 2.5% fee on all USDT top-ups.
    • Top-ups can take up to 12 hours.
    • $0.25 flat fee per purchase transaction.

    Limitations

    • majorCustodial wallet system (self-custody planned for 2025)
    • moderateCard top-ups limited to USDT only (wallet supports additional assets)
    • moderateTop-ups can take up to 12 hours to reflect on card
    • moderatePhysical cards in limited rollout (general availability expected 2025)
    • moderateConflicting product descriptions across official channels (Mastercard vs Visa, prepaid vs crypto-secured credit)
    • moderateNo card-to-crypto withdrawals
    • minorWithdrawal fees after $1,000/month
    • minorCorporate card format (not personalized with user's name)
    • minorPIN cannot be customized yet (preset PIN provided)
    • minorUSD only settlement currency (no EUR or other fiat options)
    • minorGoogle Pay still in testing (expected 2025)

    What users say

    No public user ratings available yet

    Rating breakdown

    Net reward
    0.0
    Custody risk
    2.0
    Availability
    2.5
    Features & convenience
    3.0

    See our methodology for how we score each axis.