Spend Crypto Without Moving It to an Exchange
Oppi provides you with a Mastercard-powered virtual crypto card. Shop at more than 150 million merchants in 210+ countries with Bitcoin, ETH, USDT, USDC, and other accepted crypto. Your private keys stay on your device the entire time.
Virtual card activation: $10. Receive $5 back to your card balance. Effective setup cost: $5. No monthly fees.
Pay With Crypto. Keep Control of Your Keys.
Here is what you can do the moment your virtual crypto card is active.
It is fully in your control how much crypto you add to your virtual card during each top-up. Your self-custody wallet balance stays completely untouched until you top-up your card again or perform any other activity.
Shop online or subscribe to any services using your virtual card number. You can also add it to apple pay or google pay for contactless NFC payments in stores. This works at any online or in-store location that accepts Mastercard.
Add BTC, ETH, USDT, USDC, or other supported crypto onto your card. At the time of top-up your crypto will change to spendable balance at real-time rate. No need to manually exchange or convert your cryptocurrency before making any purchase.
Pay $10 one-time activation fee and receive $5 credited back to your card balance immediately. No ongoing monthly or annual maintenance charges. The foreign exchange charge is only 2 to 2.5 percent when purchasing in a currency other than USD.
Manage spending by setting up virtual cards to use on subscriptions, travel, daily purchases, or business. Your joint wallet balance is used by each card, no extra wallet needed. Manage all cards from the same Oppi Wallet app on your device.
Make payments at online merchants and physical stores across 210+ countries via Mastercard payment network. Check your country eligibility during the signup process. There are certain regulatory limitations according to local financial laws and regulations.
Get Your Virtual Crypto Card in 5 Steps
The entire procedure will be done under 10 minutes. Here is exactly what to expect.
Sign Up on OppiWallet
Download the app from iOS or Android. Create your self-custody wallet, then write-down your recovery phrase on a paper and keep it in a safe place. Don't worry, your private keys are stored on your device only.
Complete identity verification
KYC is required to enable card features, without KYC you can use basic wallet features. You need to submit a government-issued ID and a quick selfie. Most users complete this in under 2 minutes.
Activate your virtual card for $10
Pay the one-time $10 activation fee. $5 is credited directly back to your card balance. Your effective setup cost is $5.
Top up your card
Now you can start loading your card with the amount which you want to spend daily or monthly. From BTC, ETH, USDT, USDC or other supported assets. Only top-up what you plan to use.
Which Crypto Works With the Oppi Card
You can top up your Oppi virtual crypto card using a range of supported assets. Here is how it works.
How conversion works
When you add balance to your card with your selected crypto, it will be automatically converted to a spendable balance. When you make a purchase, the card will automatically settle in the local currency. You do not need to convert anything manually before spending.
Card network
Your virtual card runs on the Mastercard network. Which means that it works at any online store, subscription services, or payment platform that accepts Mastercard globally. Mastercard is accepted by 150+ million merchants in more than 210+ countries
Integrate with Apple Pay and Google Pay
Integrate your Oppi virtual card to Apple Pay or Google Pay and pay with NFC at any compatible in-store terminal.
Shared balance
Your virtual card and physical card share the same balance. You do not need to manage two separate balances.
Do remember that card features are not available in all the countries. At the time of signup, you will be able to confirm availability in your region before completing activation. You can also see restricted countries in FAQs at the bottom of the page.
Real Ways People Spend Crypto With Oppi
Your crypto should do more than sit in a wallet. Here is where Oppi card users actually spend.
Shop anything from international stores, marketplaces or any website that accepts Mastercard, you do not need to exchange your crypto to fiat. The crypto which you topped up will automatically convert at a real time rate.
Buy ChatGPT Plus, Spotify, Adobe Creative Cloud, your web hosting plan, or any SaaS or entertainment subscription using your crypto balance. These services accept Mastercard, and that is why your Oppi virtual card will make payment easily.
Book Airbnb, hotel bookings, uber, or even your flight reservations with your crypto. Do remember a 2% to 2.5% FX fee applies on non-USD transactions, which is still lower than most traditional bank card foreign transaction fees. You can learn more about travel with crypto.
Now stop waiting weeks for withdrawing international payments. Accept any USDT, USDC, BTC or other supported crypto and spend that amount directly using Oppi card or store in Oppi wallet securely. No need to convert to a bank account before you can use your earnings.
Add your card to Apple Pay or Google Pay and tap to pay in-store at any Mastercard-compatible terminal. Works exactly the same as any other contactless card.
Which Crypto Card Is Right For You?
Choosing a crypto card means deciding between control, cost, and convenience. Most cards deposit your funds into custodial accounts, creating real freeze risk. Oppi lets you spend directly from your self-custody wallet via the Mastercard network. Compare Oppi with RedotPay, Cryptomus, Solayer, and Holyheld below.
| Features | Oppi Virtual CardBEST CHOICE | RedotPay | Cryptomus | Solayer | Holyheld |
|---|---|---|---|---|---|
| Self-custody | Yes. Private keys stay on your device | No. Custodial (funds held by RedotPay) | No. Platform manages funds | Yes. Private keys stay on your device | Yes. Private keys stay on your device |
| Exchange account needed | No | No (but custodial) | No (but custodial) | No | No |
| Card issuance fee | $5 for virtual card, $100 for physical card | $10 virtual, $100 physical | $4 Card issuance fee | $20 membership fee/year | €29-€199 |
| Monthly fee | None | None | Maintenance or inactivity fee depends on card type | No monthly fee. But if the card is inactive for more than 6 months then the card will be deactivated and users have to request new card issuance. | €1/month if inactive for more than 4 months |
| Apple Pay / Google Pay | Yes | Yes | Yes | Yes | Yes |
| Top-up model | pre-funded non-custodial | Pre-funded custodial | Pre-funded custodial | On-Chain Direct | pre-funded non-custodial |
| Card networks | Virtual Card: Mastercard; Physical Card: Visa | Virtual & Physical Card: Visa | Only Physical Card: Visa & Mastercard | Virtual card: Mastercard | Virtual card: Visa |
| Multi-chain support | Ethereum, BSC, Polygon, TRON, Solana | Ethereum, BSC, Polygon, TRON, Solana, Arbitrum | Ethereum, BSC, Polygon, TRON, Solana, Arbitrum | Solana-focused | Ethereum + EVM chains |
| Custody risk during use | User holds keys (until load) | Provider holds funds | Provider manages funds | User holds keys | User holds keys (until load) |
Oppi does not hold your funds at any point. Your crypto stays in your self-custody wallet until you choose to load the card.
*** Important Note: For Indian users: Virtual card activation fee is $15, with $5 credited back to your card balance - effective setup cost $10. No monthly fees.
Frequently Asked Questions About the Oppi Wallet Virtual Card
Start Using Your Crypto in Real Life Today
Your crypto should not just sit in a wallet. With the Oppi virtual crypto card, you can spend Bitcoin, ETH, USDT, and other supported assets at over 150 million merchants worldwide without moving your funds to an exchange and without giving up control of your private keys.
Pricing Reminder: Virtual card: $10 activation, $5 credited back to your card balance. Effective cost: $5. No monthly fees. Physical Card: $100 including shipping.