TL;DR.MiniPay Card is a Visa crypto debit card (Virtual, KYC: Full KYC). Cost per $100 spent: not disclosed. Top-up fee 0%, FX fee not disclosed. Wallet support: Apple Pay + Google Pay. Status: Operational. Last verified: July 31, 2026.
CARD PROFILE · FULL KYC
MiniPay Card.
Opera's 16-million-wallet stablecoin wallet turned into a Visa debit card, with 5% cashback paid in Tether Gold — built on Celo with Gnosis Pay infrastructure and aimed squarely at emerging markets where dollar access is the real problem.
Cost / $100
—
Top-up fee
Free
Network
Visa
Card type
Virtual
IBAN
No
Monthly limit
—
Status
Operational
Pros.
- +5% cashback on qualifying purchases, paid in Tether Gold (XAUt0), USDT or USDC — real assets, not points
- +Zero activation fee, no subscription, no token to stake, no tier to unlock
- +No monthly or annual fee
- +Zero deposit fees — bring stablecoins from any chain, any wallet
- +Also fundable in local currency across 60+ countries via bank transfer, mobile money and Apple Pay
- +Balance spends directly at the point of sale, with no manual conversion or off-ramp step
- +Apple Pay and Google Pay supported
- +Backed by Opera and built on Celo, with Gnosis Pay as program manager and Monavate as regulated issuer
- +Built for emerging markets — integrates local rails like M-Pesa in Kenya, OPay in Nigeria and Mercado Pago in LatAm
Cons.
- −The FX fee is described only as a 'competitively low nominal' rate — no actual number is published
- −Virtual card only, no physical card
- −Launched in just 46 countries across the EEA, Africa, Latin America and Southeast Asia
- −The eligible-country list is not published, so you have to open the app to find out
- −Identity verification is required
- −Spending limits are not published
- −Cashback in Tether Gold means your rewards carry gold price exposure
- −No ATM access
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
Free
Transaction fee
—
FX fee
—
Issuance
Free
Monthly
Free
Cost / $100
—
Zero activation fee, no monthly or annual fee, and zero deposit fees whether you bring stablecoins from any chain or fund in local currency from 60+ countries. Cashback is 5% on qualifying purchases, paid in Tether Gold (XAUt0), USDT or USDC directly to your MiniPay wallet. The one number MiniPay does not publish is the FX rate: Opera's launch release calls it only a 'competitively low nominal FX fee', so treat cross-currency cost as unverified until you see it in the app.
COVERAGE
Where it works.
Supported coins
USDTUSDCmUSD
Chains
CeloEthereumSolana
Use cases
Online · IRL
Blocked countries
None
WALLETS
Apple PayYes
Google PayYes
ATMNo
REPUTATION
Trustpilot
—/5
0 reviews
Monetiro score
—/100
Verified July 31, 2026
ALTERNATIVES