A US Bank-issued Visa debit card for stablecoin holders who want to skip the bank account

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

DPT is a payment card that spends a stablecoin balance wherever Visa is accepted. The card itself is issued by U.S. Bank under Visa’s licence, the operator behind the app is a Hong Kong company licensed as a trust or company service provider, and the crypto side sits with BitGo as custodian. That combination of issuer, regulator and custodian is what makes DPT stand out from a typical crypto card, and it is the main reason the card earns an 8.5 out of 10 in this review.

The card is built for a specific kind of reader: someone who already holds USDC or USDT, lives in a country where DPT actually operates, and wants to spend that balance through a real Visa network rather than converting to a bank account first. If that is you, the rest of this review walks through who can get the card, what it costs, how to top it up, what daily life with it looks like and where the rough edges are.

Conditions are current as of October 28, 2026.

Verdict

DPT gets 8.5 out of 10. The score reflects strong eligibility coverage, a clean fee structure on US-dollar spending and serious infrastructure on the back end. It loses points on transparency: the issuer and monthly fee are not published, the ATM fee is not stated in plain numbers, and there is no public track record of complaints or app-store ratings to lean on.

This card fits stablecoin holders who want a US Bank-issued Visa debit card and do not need a built-in cashback scheme. It is not for readers in the United States or Canada, it is not for people who want to top up with a debit card today, and it is not for anyone who needs a card with a published monthly fee before signing up.

Score breakdown

Who DPT will issue a card to

DPT says its card works in 150+ countries wherever Visa is accepted, and that the issuing eligibility itself is decided by country of residence and is checked in the app. That distinction matters: the Visa acceptance footprint is global, but the right to be issued a DPT card is narrower and depends on where you actually live.

Two country rules are stated outright. DPT does not offer services to people located in, incorporated in or resident of the United States or Canada. The same exclusion covers comprehensive-sanctions jurisdictions. If your residence country fails the check, the KYC step will end with what DPT calls an “unsupported jurisdiction” message, and there is no application to complete.

For everyone else, the basic bar is being at least 18, holding one DPT account per person and passing identity verification. The eligible footprint is broad enough that most readers outside the US and Canada will at least pass the country check, but the actual decision is made when you upload your documents.

The audience the card is built for is narrower than the eligibility footprint. DPT is aimed at stablecoin holders who want a US Bank-issued Visa card and are comfortable funding it from a self-custody wallet or exchange. If you do not already hold USDC or USDT, the card has no obvious advantage over a regular bank card.

How to sign up

The sign-up is centred on the DPT app. You create an account, complete KYC and then choose between a virtual card that can be added to Apple Pay or Google Pay and a physical card with chip and contactless.

Identity verification needs a government-issued ID and a live selfie, taken inside the app. In most cases the check finishes in minutes; DPT says it can take up to 24 hours. The same KYC step is required to issue the card, to deposit at full capacity and to make payouts. If you plan to do all three, the verification is the bottleneck and it is the same step each time.

DPT’s Learn guide adds a second document for some sign-ups: a proof of address, either a utility bill or a bank statement no more than three months old. The two DPT pages differ on whether this is required, so expect to have one ready even if the in-app flow only asks for an ID at first. Common reasons for failure are blurry or expired documents, personal details that do not match and, of course, being in a country DPT does not serve.

DPT does not publish its tier names or its limit ladder. After verification, the app shows your limits, and a higher tier has larger limits. Failures are most often a document problem rather than a policy problem, and re-submitting is the usual fix.

The card itself is a Visa, issued by U.S. Bank under Visa’s licence. The card currency is implied to be US dollars, because USD transactions are explicitly free of FX fee and the rest of the pricing is in dollars; DPT does not state the card currency outright. Delivery time, shipping cost and replacement cost for the physical card are not stated.

Fees

The pricing is split between a published fee schedule and a fee schedule that lives only in the app. USD spending is the cheapest path and the only path that is fully spelled out.

Three everyday examples show how this works in practice:

• A US$40 lunch in a country that uses dollars. DPT charges nothing for the transaction itself. The Visa network may pass through a small acquirer fee, but on the DPT side the line is zero.
• A €60 dinner in Europe. You pay the Visa exchange-rate markup and DPT’s FX fee, which lands somewhere between 0% and 2.00% depending on the currency. The upper end is 2.00% of €60, or about US$1.30, plus whatever the Visa rate leaves on the table.
• A US$3 transit top-up. This is under the $25 small-transaction threshold. As of writing the $0.10 fee is waived as a limited-time promotion, so the charge is zero on the DPT side; once the promotion ends, expect a dime per tap.

The two notable gaps are the ATM fee and the issuance or monthly fee. The ATM number is published as a percentage range and a stack of surcharges, not as a single dollar figure, and the issuance and monthly figures simply are not in the public fee schedule. Both numbers are inside the app once you verify. For a card that otherwise publishes its fees openly, this is the main transparency gap.

Two tiers sit on top of the base card. Oxygen is a Visa Platinum with travel accident insurance up to US$500,000, instant digital cards and member prize draws. Obsidian is a Visa Infinite, invite-only, with insurance up to US$1.5 million, 24/7 concierge, a dedicated lifestyle manager, Priority Pass lounge access and DPT events. Top-spending Oxygen holders are auto-upgraded.

Payouts work in 100+ currencies, while the navigation bar mentions 80+ corridors; DPT does not say whether balances can be held in multiple currencies.

Top up

Top-up is the cleanest part of the product. The card balance and the account balance are the same thing: you send USDC or USDT, the network confirms, and the balance is ready about a minute later. There is no separate “load the card” step and no DPT fee on the deposit.

The networks that work today are Ethereum, Polygon, Tron and Solana. The minimum is 1 USDC or USDT on Ethereum, Polygon and Solana, and 10 USDT on Tron. The blockchain’s gas fee is paid by the sender, not by DPT, so a top-up from a wallet with no native gas token will simply fail. Crypto withdrawal works the other way: a 0.1% DPT commission plus network gas, with typical gas around US$2 on Ethereum, US$1 on Polygon, US$1 on Solana and US$5 on Tron.

Three top-up paths are on the roadmap and not live yet. Base, BNB and fiat deposits (card or bank) are listed as coming. Until those arrive, funding the card means holding USDC or USDT and being able to pay gas in the native token of one of the four live networks.

The bank-payout side, for getting money out rather than in, uses per-corridor provider fees. India is 0.30%, Nigeria 0.80%, Vietnam 0.60%, the Philippines 0.50%, Brazil 0.45%, Mexico 0.50%, Indonesia 0.55%, Thailand 0.40%, Europe SEPA Instant 0.35% and UK Faster Payments 0.35%. DPT may delete an account on 7 days’ notice, and the policy on a balance on closure is not stated.

The single biggest practical risk in top-up is sending on the wrong network or to the wrong address. Stablecoin transfers are irreversible, and a deposit sent on a network DPT does not support, or to an address for a different network, can be lost or stuck in manual recovery with no guarantee of return. If the app says “Polygon” on the deposit screen, send on Polygon. If the app says “Solana” on the address, send on Solana.

Paying with the card every day

The day-to-day experience depends on which form of the card you take. The virtual card is the faster path: it is issued in the app, ready for Apple Pay or Google Pay “where available”, and works for online checkout the moment it is created. The physical card arrives later, with chip and contactless, and works at a point-of-sale terminal or ATM.

DPT does not state whether the physical card can be tokenised into Apple Pay or Google Pay, only that mobile wallets are supported “where available”. The blocked merchant categories are not stated; DPT’s help centre has merchant-restriction articles that are not published in the main fee schedule, so the cleanest read is to assume the published list is not complete.

There is no card cashback. DPT does run a Rewards and Referral Program with referral commissions, points and elite rewards, and a DPT Earn product that puts stablecoin balances into a yield vault, but the card itself does not pay you back per swipe. If cashback is the point of the card for you, this is not the product.

The app is the operational centre. It is on the Apple App Store and Google Play, and DPT also publishes an Android APK at download.dpt.xyz. Ratings were not found in the standard app stores: searches for the listing returned no result on 2026-10-21, so the app-store score is a gap, not a known number.

If something goes wrong with a charge, the dispute path is to contact support within 60 days of the statement posting date for unauthorised charges, per the Learn guide. The Terms extend the window to 90 days from the transaction date for card disputes and chargebacks. DPT’s decisions, or those of its service partners, are generally final, and the governing law and forum are Hong Kong courts, with LCIA arbitration in London as an alternative.

What can go wrong

The honest list of risks has three parts: things the card does not publish, things about the underlying model, and things about the company behind it.

Things DPT does not publish:

• The card issuance fee, the monthly fee and the full fee schedule. These are inside the app, not on the public page, so a comparison shopper is comparing with one hand tied.
• The ATM fee as a single dollar number. The published 2% plus 0% to 1.75% FX surcharge plus operator fee is a stack, not a cap.
• Physical card delivery time, shipping cost and replacement cost.
• Blocked merchant categories. The merchant-restriction policy is in the help centre, not the main fee schedule.
• The current Obsidian tier criteria and the dates of the limited-time $0.10 small-transaction waiver.

Things about the underlying model:

• DPT is a custodial product at the account level, even though you bring the crypto in yourself. The Terms say users do not deposit funds with DPT on a custodial basis, but the homepage also says assets are held with BitGo, “qualified custodian” with coverage up to US$250M subject to terms. Two readings of the same setup: your crypto is in qualified custody, but it is still with a third party.
• Stablecoins are not risk-free. Tether’s USDT and Circle’s USDC are US-dollar-pegged, but they have depegged before: USDC briefly lost its peg in March 2023 during the US banking crisis, and the TerraUSD collapse in May 2022 is the cautionary tale of what a depeg can look like. The card spends in fiat at the moment of payment, so a depeg that happens between top-up and spend is your exposure, not DPT’s.
• Top-up errors are usually permanent. Send USDC on the wrong network, or to a deposit address for a different network, and the funds can be lost. Blockchain transfers do not reverse, and recovery is manual support at best.
• AVS and foreign-issuer scrutiny can cause declines. Address Verification Service is mainly offered in the US, Canada and the UK, and some merchants decline prepaid or foreign-issued BINs outright. A card issued by U.S. Bank through a Hong Kong programme can look “foreign” to a US merchant and face extra scrutiny.
• Declined authorisations can leave a hold on funds for several days, typically up to 7.

Things about the company:

• The operator is DPT (HK) Limited, licensed in Hong Kong as a trust or company service provider (TCSP) under licence number TC010834, the framework under AMLO Cap. 615. The programme is issued by U.S. Bank, and the crypto side sits with BitGo.
• A search for DPT Pay reviews on Trustpilot and Reddit returned nothing. One KuCoin-hosted post by a single author (DeFi Warhol) noted the Android app had about 5,000 downloads and no public card-volume figures. The absence of complaints is not the same as a clean record, and the app-store ratings are not findable.
• Visa and Mastercard can suspend a programme. Visa terminated its global agreements with FTX in November 2022, and the FTX US debit card was wound down by its issuer; WaveCrest, a Visa card issuer that supplied several crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. The DPT programme is not at risk today, but the precedent is real.
• The dispute process is bounded. DPT’s or its service partners’ decisions are generally final, and the forum is Hong Kong courts or LCIA arbitration in London.

What DPT does to manage these risks: assets in qualified custody with BitGo, instant card freeze in the app, three wrong CVV, expiry or PIN attempts auto-lock the card for 24 hours, 2FA, anti-phishing code and spending alerts in the help centre. 24/7 support is available through the in-app help centre, support tickets, the contact page, [email protected], Telegram at t.me/dpt_pay and X at @DptPay.

What to take instead

Three cards come up in the same category. They are not direct substitutes for DPT, but each one covers a gap that DPT leaves open. The scores below are from the same research for this review and are not a re-test.

Cardex (5.6 / 10)

Cardex is one crypto card across 200+ countries on the VERVE, Visa, Mastercard and UnionPay networks, with virtual and physical cards. The App Store listing is Naira-focused. The site describes a real-time conversion at the moment of payment using an “AI-Powered Conversion Rate” that picks the best exchange rate, but no fee percentage is published. Funding is from USDT, USDC and BTC wallets, with the networks not stated. There is no published cost and no published rewards, and the absence of numbers is the main thing to know going in.

TakeCard (5.5 / 10)

TakeCard is a virtual card issued immediately and a physical card available to Bolivian users, on Visa, issued in the United States, prepaid, in US dollars. Issuance is US$5 for the virtual card and US$20 plus US$20 shipping for the physical card in Bolivia per one article, with another article in the same help centre saying US$10 for the physical card in Bolivia. The 1% commission per purchase and the 1:1 USD pricing are clear, but the two pages disagree on issuance cost. The card is topped up from a Takenos balance, with USDC and USDT via Polygon, BNB Chain, Tron or Ethereum as starting data that the centre has not verified. Rewards are not stated.

OkiCard (6.0 / 10)

OkiCard works in 150+ countries, with some pages saying 200+, and explicitly does not geo-block by passport; users still have to confirm they are not in a sanctioned jurisdiction. The card is virtual, with a physical card mentioned but not detailed, on Visa or Mastercard, pegged to USD or EUR. Pricing is $0 issuance, $0 monthly, starting at $15 for the virtual card, and the FAQ also mentions a one-time issuance fee, so the two pages disagree. The initial deposit is 100 USDT. Funding is USDT on BSC, Ethereum, Tron and Solana, with USDC “soon” and BTC and altcoins “coming soon”. The 3% load fee and 0% transaction fee in USD are clear; FX fee is not stated. There is no cashback.

Where DPT sits in that group is a matter of priorities. DPT’s edge is the U.S. Bank-issued Visa and the qualified-custody setup; Cardex’s edge is a broader country footprint; TakeCard’s edge is the Bolivian physical card; OkiCard’s edge is the explicit “no passport geo-blocking” framing and a published starting price.

Who I would recommend it to

I would recommend DPT to a stablecoin holder who lives outside the United States and Canada, holds USDC or USDT on Ethereum, Polygon, Tron or Solana, and wants a real US Bank-issued Visa to spend that balance. The 0% USD spending fee and the 0% to 2.00% FX band are the main day-to-day wins, and the U.S. Bank plus BitGo stack is the main long-term reassurance. The DPT account works in 150+ countries, which covers most of the world that is not under comprehensive sanctions.

I would not recommend DPT to a reader in the United States or Canada, where the card is not offered. I would not recommend it to a reader who needs fiat top-up today, since card and bank deposits are still on the roadmap. I would not recommend it to a reader who needs published issuance and monthly fees before signing up, since both numbers are inside the app only. I would not recommend it to a reader who wants cashback on every swipe, since there is none. I would not recommend it to a reader whose main need is a heavy ATM user, since the ATM fee is a percentage stack without a published cap.

For everyone else in the target audience, the practical checklist before signing up is short. Confirm the country is one DPT serves, hold USDC or USDT on a supported network, have a government-issued ID and a recent proof of address ready, and have a small amount of the native gas token on the network you plan to send from. After verification, the in-app fee schedule will fill in the numbers the public page does not show.

Frequently asked questions

What is the DPT card?

The DPT card is a Visa debit card that spends a USDC or USDT balance. It is a U.S. Bank Visa product, with DPT (HK) Limited as the operator and BitGo as the qualified custodian.

How does the DPT card work?

You top up with USDC or USDT on Ethereum, Polygon, Tron or Solana, the balance is confirmed in about a minute, and the card converts that stablecoin balance to fiat at the moment of a Visa transaction. USD transactions are free; other currencies add an FX fee.

Is DPT a bank?

DPT is not a bank. The programme is operated by DPT (HK) Limited, a Hong Kong trust or company service provider under licence number TC010834, with U.S. Bank as the card issuer.

Who owns DPT?

The operator disclosed in DPT’s Terms is DPT (HK) Limited, a Hong Kong company. DPT does not publish ownership beyond that, and the card programme is run in partnership with U.S. Bank as the issuer and BitGo as the qualified custodian.

Is the DPT card available in my country?

The card is offered in 150+ countries wherever Visa is accepted, but DPT does not offer services to people located in, incorporated in or resident of the United States or Canada, or in comprehensive-sanctions jurisdictions. The app checks your country of residence during sign-up.

Does the DPT card require KYC?

Yes. Sign-up needs a government-issued ID, a live selfie in the app and, per DPT’s Learn guide, a proof of address no more than three months old. The check usually finishes in minutes and can take up to 24 hours.

How do I top up the DPT card?

Send USDC or USDT to the deposit address shown in the app, on Ethereum, Polygon, Tron or Solana. The minimum is 1 USDC or USDT on Ethereum, Polygon and Solana, and 10 USDT on Tron. DPT does not charge a deposit fee; the sender pays the blockchain gas.

Is the DPT card free?

USD transactions are free, the DPT deposit fee is zero, and the first three declined authorisations per calendar month are free. The issuance and monthly fees are not published on the public fee schedule and are shown in the app after verification, and the small-transaction fee of $0.10 is currently waived as a limited-time promotion.

How do I add the DPT card to Apple Wallet or Google Pay?

Issue the virtual card in the DPT app, then follow the in-app prompt to add it to Apple Pay or Google Pay. Tokenisation is supported “where available”, and DPT does not state whether the physical card can be tokenised the same way.

How do I delete my DPT account?

Close the account from the app’s settings or contact [email protected]. DPT’s Terms allow the company to delete an account on 7 days’ notice, and the policy on a remaining balance on closure is not stated in the public documents.

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