Ledger
DPT Pay
DPT PayDPT Pay
VisaVirtual and plasticAsks for a documentOperational
Hong Kong stablecoin platform whose Visa card is issued by U.S. Bank and whose custody sits at BitGo — free to load, free to spend in dollars, and with balance and spending limits published as unlimited. Virtual $10, physical $50, USDC or USDT on four chains.
Total, per $100 spent: $2.00per $100 spent
98 of the 175 priced cards cost less. Among the 101 that ask for exactly as much identity, the median is $1.00. This one takes 2 times that for the same loss of privacy.
Open dpt.xyzNot a paid link: we earn nothing either way.
Whether to take DPT Pay
Worth it if you hold USDC or USDT and spend mostly in dollars — loading and USD purchases genuinely cost nothing, the limits are unlimited, and the issuer and custodian are both named. Not worth it if you need cash or spend abroad a lot: the ATM stack runs past 3.75% before the machine's own fee, and the 0%–2% foreign-currency band is published as a range you cannot resolve in advance.
In its favour
- Publishes its whole fee table on one page — application, transaction, ATM and limits, with figures rather than "from"
- Loading costs nothing and spending in USD costs nothing: the fee only starts when the currency is not dollars
- Balance, per-transaction and daily spending limits are all stated as unlimited
- Issued by U.S. Bank under licence from Visa, with stablecoin custody at BitGo — both named, both lookupable
Against it
- KYC is mandatory before any card is issued, and DPT does not publish which documents it asks for
- No list of countries it refuses is published anywhere, so the only availability claim is "wherever Visa is accepted"
- The $0.10 charge on transactions of $25 or less is waived only "for a limited time" — it is a promotion, not a price
- Foreign-currency spending is quoted as a 0%–2% range, and which end applies to which currency is not published
Also true, in its favour
- Apple Pay and Google Pay on the virtual card, so the $10 tier works in a shop without waiting for plastic
- Spends straight off the account balance — there is no separate step to move money onto the card
What DPT Pay costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $10.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| To spend | 0% |
| Per payment, fixed | $0.00 |
| To spend outside the dollar | 2% |
| At a cash machine | 2% of the withdrawal, plus an FX surcharge of 0–1.75% and the ATM operator's own fee; $250 per withdrawal, $750 and 3 withdrawals a day |
| Total, per $100 spent | $2.00 |
Read off dpt.xyz on September 11, 2026.
Virtual card $10, physical $50, each crediting a non-withdrawable $5 spending voucher on activation. Deposits free; USD transactions free; foreign currency 0%–2%. Transactions of $25 or under carry $0.10 after the current free promotion ends. First three declines each month are free, then $0.50. ATM: 2% plus an FX surcharge of up to 1.75% plus the operator's fee, capped at $250 per withdrawal, $750 and three withdrawals a day.
KYC: what DPT Pay asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
Asks nothing7 cards
An email19 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address113 cards
Limits on spending
Cash, per day$750
Not published by the issuer: monthly spend, daily spend, per payment, maximum balance.
Confirmed on dpt.xyz on September 11, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsNone — it is a card, not an account
Coins in2USDC, USDT
Chains4Ethereum, Polygon, Tron, Solana
TiersOxygen (Visa Platinum), Obsidian (Visa Infinite)
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- ATM cash is expensive and capped: 2% plus up to 1.75% FX plus the machine's own fee, $250 a withdrawal and $750 a day
- Not a bank — deposits carry no deposit insurance, which DPT states plainly itself
- Only USDC and USDT; no other asset can fund the card
How we checked this
Thirteen fields are tracked for every service. 10 of them carry a figure we read off dpt.xyz on September 11, 2026.
- Issuer's page
- Cost per $100 · Loading chargeSeptember 11, 2026 · Currency conversionSeptember 11, 2026 · Per-payment chargeSeptember 11, 2026 · IssuanceSeptember 11, 2026 · Monthly · Cash machine chargeSeptember 11, 2026 · Apple Pay and Google PaySeptember 11, 2026
- Sign-up flow
- Identity levelSeptember 11, 2026
- Live check
- Operating statusSeptember 11, 2026
- The issuer does not publish
- Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open dpt.xyzNot a paid link: we earn nothing either way.
Alternatives to DPT Pay
Takes $0.01 less on every $100 spent.
Bitrefill CardBitrefill CardVisaVirtual and plasticAsks for a documentOperational1.99% when you load.AG7 Sept$1.99per $100 spent
Bitrefill CardBitrefill CardVisaVirtual and plasticAsks for a documentOperational1.99% when you load.AG7 Sept$1.99per $100 spentTakes $0.20 less on every $100 spent.
PEXX CardPEXX CardVisaVirtual and plasticAsks for a documentOperational1.2% outside the dollar, plus $0.60 fixed. 1 fee field is not published.AG21 Jul$1.80per $100 spent
PEXX CardPEXX CardVisaVirtual and plasticAsks for a documentOperational1.2% outside the dollar, plus $0.60 fixed. 1 fee field is not published.AG21 Jul$1.80per $100 spentCosts $0.30 more per $100 — the price of the difference.
KOSH CardKOSH CardVisaVirtual and plasticAsks for a documentOperationalFree to load. 2% outside the dollar, plus $0.30 fixed.AG21 Jul$2.30per $100 spent
KOSH CardKOSH CardVisaVirtual and plasticAsks for a documentOperationalFree to load. 2% outside the dollar, plus $0.30 fixed.AG21 Jul$2.30per $100 spent