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DeFi maxiSunrate Solutions Limited (Hong Kong)mastercard● Live

Pintopay Card

Custodial prepaid Mastercard from a Hong Kong issuer converting USDT to spendable USD.

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, with features managed via mobile app or Telegram bot.

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Best for

Users needing high spending limits ($300k/month) and minimal initial KYC for USDT spending.

Skip if

You want cashback rewards or need to avoid the 2.5% USDT top-up fee.

Network
mastercard
Custody
custodial
KYC
limited
Max cashback
0.00%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
No
Physical card
Yes

The verdict

What we like
  • High monthly spending limit of $300,000.
  • No monthly or annual fees.
  • Instant virtual card with Apple Pay support.
  • Referral program offers up to 40% commission.
Watch outs
  • High 2.5% fee on all USDT top-ups.
  • Top-ups can take up to 12 hours.
  • $0.25 flat fee per purchase transaction.
  • Get a $300k monthly limit but pay a 2.5% top-up fee.
  • Use Apple Pay instantly, but top-ups are USDT-only and take 12 hours.

Basic information

{"card_type":"Virtual prepaid card, with physical card preorders for 2025.","network":"Mastercard","card_material":"Virtual","availability_summary":"Available in 100+ countries, including the United States and Brazil."}

Spending & ATM 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

Rewards

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.

Top-up & funding

  • USDT (TRC-20)
  • USDT (ERC-20)
  • USDT (BEP-20)

Up to 12 hours to reflect on card

Security & custody

  • 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

Risk note. If the provider or its custody partner fails, users risk losing access to their assets.

Mobile wallets

Apple Pay Supported
Google Pay Not supported
Samsung Pay—

Card tiers

Virtual Card

Card material
Virtual only
Monthly limit
$300,000
Issuance fee
$0.00 (Free)
Requirements
Basic onboarding with minimal information (email/Telegram account)
  • Instant issuance through app/Telegram
  • 3D Secure supported
  • Online purchases supported
  • In-store payments via mobile wallet only

Physical Card

Card material
Plastic Mastercard
Monthly limit
$300,000
Issuance fee
$0.00 (Expected to remain free)
Requirements
Limited rollout; general availability expected 2025
  • ATM access supported
  • Direct card or mobile wallet in-store payments
  • Built-in contactless
  • 3D Secure supported

Loan & credit features

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.

Banking services

● Virtual Accounts

Virtual account deposits and withdrawals mentioned, fiat transfers between users supported

What users say

No public user ratings available yet

Risks & limitations

Risks
  • CounterpartyCustodial model means if provider or custody partner disappears, users risk losing access to their assets
  • RegulatoryMulti-entity structure spanning Hong Kong, Delaware, Dubai, and Lithuania may create regulatory complexity
  • RegulatoryTerms of Service grant platform extensive rights to collect information and perform identity checks despite marketing minimal-verification approach
  • SecurityNo explicit insurance mentioned for crypto deposits
  • MarketConflicting product descriptions across official channels creates uncertainty about actual product specifications
Limitations
  • moderateCard top-ups limited to USDT only (wallet supports additional assets)
  • moderateTop-ups can take up to 12 hours to reflect on card
  • moderatePhysical cards in limited rollout (general availability expected 2025)
  • majorCustodial wallet system (self-custody planned for 2025)
  • moderateConflicting product descriptions across official channels (Mastercard vs Visa, prepaid vs crypto-secured credit)
  • moderateNo card-to-crypto withdrawals
  • minorWithdrawal fees after $1,000/month
  • minorCorporate card format (not personalized with user's name)
  • minorPIN cannot be customized yet (preset PIN provided)
  • minorUSD only settlement currency (no EUR or other fiat options)
  • minorGoogle Pay still in testing (expected 2025)

Roadmap

Planned
  • 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

Best suited for

Digital nomads, privacy-focused users, and those with limited banking access who need to convert crypto to spendable USD globally

Our verdict

Pintopay offers a virtual Mastercard with high spending limits and minimal onboarding, making it suitable for privacy-focused users. However, it lacks cashback rewards and imposes a high 2.5% top-up fee, with deposits limited to USDT and processing times of up to 12 hours.

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