Pintopay Card
MastercardcustodialKYC: none
2.0 / 5
Net Reward0.0
Availability2.5
Custody & Risk2.0
Features3.0
Pintopay is a virtual prepaid card solution that converts crypto assets like USDT, BTC, and ETH into spendable USD. Issued via a Hong Kong-licensed partner, it serves digital nomads, privacy-focused users, and those with limited banking access through Apple Pay and online merchants.
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Slug: pintopay-card
Our Verdict
Digital nomads, privacy-focused users, and those with limited banking access who need to convert crypto to spendable USD globally
Pros and cons
Pros
- Privacy-focused approach with streamlined onboarding
- Straightforward fee structure (2.5% on top-ups, $0.25 per transaction)
- Available worldwide except in sanctioned countries
- No monthly fees or staking requirements
- Referral program with up to 40% commission
Cons
- Card top-ups limited to USDT only (wallet supports additional assets)
- Top-ups can take up to 12 hours to reflect on card
- Physical cards in limited rollout (general availability expected 2025)
- Custodial wallet system (self-custody planned for 2025)
- Conflicting product descriptions across official channels
Supported chains
BitcoinEthereumTRON
Supported cryptos
BTCETHUSDCUSDT
Fees
Annual: $0.00 (Free)
Monthly: $0.00 (Free)
Issuance: $0.00 (Free)
Crypto To Fiat: 2.5% for top-ups of $100 or more; $2 minimum fee for top-ups below $100
Purchase Transaction: $0.25 USD flat per transaction (online or in-store)
Stablecoin Withdrawal: 1.0% on rolling 30-day withdrawals from $1,000; 1.2% from $5,000; 1.5% from $10,000+
Key Features
- Minimal verification requirements for basic card issuance
- High spending limits (up to $300,000 monthly)
- Global acceptance via Mastercard network
- Instant virtual card with Apple Pay integration
- Custodial wallet supporting BTC, ETH, USDT, and USDC
- Available in 100+ countries
- Mobile app and Telegram bot interface
- External USDT withdrawals supported
- No monthly fees or staking requirements
- Referral program with up to 40% commission
Limitations
- Card top-ups limited to USDT only (wallet supports additional assets)
- Top-ups can take up to 12 hours to reflect on card
- Physical cards in limited rollout (general availability expected 2025)
- Custodial wallet system (self-custody planned for 2025)
- Conflicting product descriptions across official channels (Mastercard vs Visa, prepaid vs crypto-secured credit)
- No card-to-crypto withdrawals
- Withdrawal fees after $1,000/month
- Corporate card format (not personalized with user's name)
- PIN cannot be customized yet (preset PIN provided)
- USD only settlement currency (no EUR or other fiat options)
- Google Pay still in testing (expected 2025)
Risks
- CounterpartyCustodial model means if provider or custody partner disappears, users risk losing access to their assetsExplicitly stated in source
- RegulatoryMulti-entity structure spanning Hong Kong, Delaware, Dubai, and Lithuania may create regulatory complexityOperating through UANT Inc., Sunrate Solutions Limited, Coincierge Holdings UAB, and other partner entities
- RegulatoryTerms of Service grant platform extensive rights to collect information and perform identity checks despite marketing minimal-verification approachUsers should be prepared for potential verification requests, particularly for higher-value activity
- SecurityNo explicit insurance mentioned for crypto depositsExplicitly noted in source
- MarketConflicting product descriptions across official channels creates uncertainty about actual product specificationsOfficial sources show conflicting claims—VISA Virtual on some app pages vs prepaid payment cards (MasterCard) in App Store listing
Rewards & Cashback
Notes: Rewards program centers on referrals and affiliate earnings. Up to 40% affiliate program rewards. Occasional $10 welcome bonus for new users. Future loyalty program and staking options planned.
Reward Token: USDT (for referral earnings)
Cashback Rate: No traditional percentage-based cashback
Spending 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
Top-Up Methods
USDT (TRC-20)USDT (ERC-20)USDT (BEP-20)
Min Amount: ~$14 (for USDT on Tron network)
Processing Time: Up to 12 hours to reflect on card
Banking & Financial Services
✓
Virtual Accounts
Virtual account deposits and withdrawals mentioned, fiat transfers between users supported
Credit & Loan Products
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.
Security Features
Features: 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: No explicit insurance mentioned for crypto deposits
Custody Partners: Cactus Custody,Matrix Trust Company Limited (Hong Kong)
Mobile Wallet Support
Apple PayiOSAndroid
Best For
Digital nomads, privacy-focused users, and those with limited banking access who need to convert crypto to spendable USD globally
Custody Model
custodialPlatform (and partners) hold all private keys for user crypto. Users interact via app or Telegram; funds must be deposited to custodial wallet for card use. Custody provided by Cactus Custody offered by Matrix Trust Company Limited (Hong Kong).
Risk: If provider or custody partner disappears, users risk losing access to their assets. Self-custody wallet and smart contract vault planned for Q1 2025.
Card Issuer & Compliance
Issuer Name: Sunrate Solutions Limited (Hong Kong)
Issuer License: Money Service Operator (MSO) license no. 16-11-02003
Platform Licenses: Money Service Operator (MSO) license no. 16-11-02003 (Hong Kong),Registered Virtual Asset Service Provider (VASP) - Coincierge Holdings UAB (Lithuania)
Availability
Available in 39 countries (some marketing claims 100+ or 180+ countries). Restricted in 5 sanctioned countries. Key regions missing: Australia, Japan, South Korea, Singapore, Hong Kong.
Card Tiers
Virtual Card
Virtual onlyVirtual only
Basic onboarding with minimal information (email/Telegram account)
Fees
Issuance: $0.00 (Free)
Top-up: 2.5% for top-ups of $100 or more; $2 minimum fee for top-ups below $100
Monthly: $0.00 (Free)
Monthly Limit: $300,000
MastercardApple Pay
Instant issuance through app/Telegram3D Secure supportedOnline purchases supportedIn-store payments via mobile wallet only
Physical Card
PhysicalPlastic Mastercard
Limited rollout; general availability expected 2025
Fees
Issuance: $0.00 (Expected to remain free)
Top-up: 2.5% for top-ups of $100 or more; $2 minimum fee for top-ups below $100
Monthly: $0.00 (Free)
Monthly Limit: $300,000
MastercardApple Pay
ATM access supportedDirect card or mobile wallet in-store paymentsBuilt-in contactless3D Secure supported
User Ratings
No public user ratings available yet
Roadmap & Updates
Expansion: Physical cards expected 2025, self-custody Q1 2025
Planned Features:
- Physical cards general availability (2025)
- Google Pay integration (2025)
- Self-custody wallet (Q1 2025)
- Smart contract vault (Q1 2025)
- Local currency top-ups (e.g., Russian ruble)
- Future loyalty program and staking options
- PINS feature to locate and spend crypto at favorite places
Card launched: Mid-2024 (platform founded 2023)
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