Ledger
Coin98 Fusion Card
Coin98 Fusion CardCoin98 Fusion Card
VisaVirtual onlySince 2025Asks for everythingOperational
A Visa card that is a screen inside a wallet you probably already have: swipe right on the Coin98 Super Wallet home screen and the card is there, funded straight from your on-chain balance, with no exchange, no off-ramp and no separate account. Uniquely, it is bound to your phone number rather than your wallet — so if you lose your seed phrase, the card still works.
Total, per $100 spent: $1.00per $100 spent
53 of the 174 priced cards cost less. Among the 113 that ask for exactly as much identity, the median is $1.25.
Open coin98.comNot a paid link: we earn nothing either way.
Whether to take Coin98 Fusion Card
In its favour
- A single $9 payment activates the card and that is the whole fixed cost — no monthly fee, no annual fee
- Issued in partnership with DCS Card Centre Pte. Ltd., a licensed Singapore card issuer with decades of history rather than an anonymous BIN sponsor
- The card lives inside Coin98 Super Wallet, so there is no second app, no separate account and no manual off-ramp step
- You can pay the issuance fee in USDT, USDC, C98 or VIC — including the wallet's own tokens
Against it
- Availability is APAC-only, and the issuer names the countries explicitly: Singapore, Malaysia, Thailand, Philippines, Vietnam, Japan, Korea, Taiwan and Australia — nowhere else
- There is no physical card; the site marks worldwide shipping as 'coming soon'
- The FX rate on non-SGD purchases is never published as a number, only as 'low conversion fees' and 'some crypto conversion fees may apply'
- A 1% fee applies to every single top-up, charged by Coin98 and DCS together — this is the recurring cost, not the $9
Also true, in its favour
- Top up with USDC or USDT across Solana, Ethereum and Tron, which covers the cheap rails most people actually use
- Apple Pay and Google Pay are both supported, so the virtual card works for tap-to-pay in stores
- Real ATM access despite being a virtual card: withdrawals up to SGD 10,000 per day and SGD 100,000 per month
- Accepted at 130M+ Visa merchants worldwide, with automatic conversion at the moment of purchase
- The card is tied to your phone number, not your seed phrase — losing wallet access does not lock you out of the card
- Lock and unlock the card from the app instantly, with PIN and OTP to restore it
- A published SGD 200,000 rolling 12-month ceiling is generous for a wallet-attached card
- Documentation is genuinely detailed for a product this young, down to the exact escalation path for stuck top-ups
What Coin98 Fusion Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $9.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 1% |
| To spend it | |
| At a cash machine | 1% or SGD 5, whichever is higher |
| Total, per $100 spent | $1.00 |
Not published by the issuer: to spend, per payment, fixed, to spend outside the dollar.
Read off coin98.com on July 31, 2026.
There is a one-time $9 fee when you activate the card, with no monthly and no annual fee. The cost that actually recurs is the top-up: 1% is charged on every top-up by Coin98 and the service provider DCS together. ATM withdrawals cost 1% or SGD 5, whichever is higher, and are capped at SGD 10,000 per day and SGD 100,000 per month; total card spending is capped at SGD 200,000 on a rolling 12-month basis. The FX markup on purchases outside the card's base currency is never stated as a number — the site says only that 'some ATM or crypto conversion fees may apply', so treat the conversion spread as an unpublished cost. Issuance can be paid in USDT, USDC, C98 or VIC; top-ups accept USDC and USDT on Solana, Ethereum and Tron. The card is available only to residents of Singapore, Malaysia, Thailand, the Philippines, Vietnam, Japan, Korea, Taiwan and Australia.
KYC: what Coin98 Fusion Card asks for
Full verification: a document, a photograph of your face and proof of your address. The same file a bank opens on you, held by a company that is not a bank.
Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards
Limits on spending
Coin98 Fusion Card publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in4USDT, USDC, C98, VIC
Chains3Solana, Ethereum, Tron
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- ATM withdrawals cost 1% or SGD 5, whichever is higher, so a small withdrawal is punitively expensive
- Limits are quoted in Singapore dollars, which makes them awkward to reason about if you spend in anything else
- Full KYC with a citizen ID, driver's licence or passport valid for more than three months is mandatory, and only photos of the original physical document are accepted
- The Travel Rule form must be completed with full name, date and place of birth, ID number and address before you can top up
- Custody sits with the service provider, not with you — the card balance is not in your own wallet
- Coin98 explicitly positions itself as only a communication bridge: all card actions, verifications and resolutions are handled by DCS, with processing up to 7 business days
- Zen Wallet cannot be used to pay for the card, an easy trap if that is where your funds sit
- Cashback and perks are advertised as 'coming soon' rather than shipped
How we checked this
Thirteen fields are tracked for every service. 8 of them carry a figure we read off coin98.com on July 31, 2026.
- Issuer's page
- Cost per $100 · Loading charge · Issuance · Monthly · Cash machine charge · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating status
- The issuer does not publish
- Currency conversion · Per-payment charge · Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open coin98.comNot a paid link: we earn nothing either way.
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