A USDT-funded virtual card for Southeast Asia, cheap but narrow

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Relopay card is a virtual card you fund with USDT and spend like an ordinary payment card, mostly through Apple Pay and Google Pay, from inside a Telegram mini app. It scores 6.0 out of 10 in my review. That middle-of-the-road mark is not a hedge: it reflects a product that is cheap and simple in the one thing it does well, and closed to almost everyone else. If you live in one of the supported countries, already hold USDT on Tron, and want a card number for subscriptions and everyday spending, this is a genuinely useful tool. If you are anywhere else, or you need a physical card, or you need to argue with a shop that a payment was taken wrongly, it is not for you. Everything below is what the card’s own pages say, what they leave out, and where the two together should give you pause.

The conditions described here are current as of October 28, 2026.

Verdict: 6.0 out of 10, and the reason is narrowness

Relopay does one job well and refuses to do it for most of the planet. The card costs $3 to issue, charges $0.2 per successful payment, tops up at 0%, and runs on a Telegram mini app rather than an app store download. What you give up for that low cost is reach: accounts are limited to a “Supported Countries” list the website does not publish in readable text, and the restrictions page names citizens and residents of the United States, Canada, Hong Kong and many other places as barred outright.

The score by criterion, with my reasoning:

Those five marks add up to the 6.0. The card is not cheap in a vague way; it is cheap on the numbers it publishes and silent on the one number that matters most — what the crypto conversion costs. I come back to that below, because an unstated conversion rate is not a small gap when the whole model is “crypto goes in, card comes out”.

The people this suits, in one line: residents of Southeast Asia who already hold USDT on the Tron network and want to spend it at ordinary merchants without opening a bank account. The people it does not suit: anyone outside the supported list, anyone who needs cash from an ATM, anyone who needs a card in their hand, and anyone who treats a purchase dispute as a normal part of shopping.

Will they give you the card?

Only in some countries, and the list is the first thing to check.

Accounts are limited to the “Supported Countries” listed on the website and in the app, and that list is not published in text I could read. An earlier check found Vietnam, Thailand and Indonesia, plus a waitlist for further countries. So the honest answer to “can I open a Relopay account?” is: check the app’s own list, because nobody has published a version you can rely on from outside.

What is published is where the card may be used: the documentation claims it works in 170+ countries. That is a spend-side claim, not an account-side one. You can be barred from opening an account while the card would theoretically work where you already hold it, and more importantly, opening an account somewhere you do not live is not something the card’s rules invite.

The exclusions are specific and they apply to both citizenship and residence. The restrictions page bars citizens and residents of American Samoa, Albania, Belarus, Bosnia and Herzegovina, Burundi, Canada, the Central African Republic, Congo, the Democratic Republic of the Congo, Cuba, Guam, Hong Kong, Afghanistan, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Montenegro, Myanmar, Nicaragua, the Northern Mariana Islands, North Korea, Puerto Rico, North Macedonia, the Russian Federation, Serbia, Somalia, South Sudan, Sudan, Syria, Ukraine, the United States, the US Virgin Islands, Venezuela, Yemen and Zimbabwe.

Belarus and Russia are excluded, and if you are reading this in either country, that settles the question — there is no account to open and no appeal route described. Note that this is a citizenship-and-residence test, not a location test: being outside those countries does not help if you hold one of those passports.

Identity verification is mandatory and specific. You must be 18 or older with full legal capacity. The card’s pages say “standard verification is required”, and the check runs through Sumsub: you choose the region “All countries except USA”, pick your country and document, upload a photo of it, then complete a selfie or camera check. The result is described as arriving in “a few seconds”. Prepaid cards are labelled “KYC required”. Proof of address is not mentioned anywhere in what I could read, so do not assume a utility bill will be asked for — equally, do not assume one will never be.

One thing I could not find: the card’s pages describe a single standard Sumsub verification. Tiers, how long each takes and the reasons a check can be refused are not stated. If you expect to move large amounts, that silence is worth asking support about before you fund anything.

How to get it

There is no app to download and no application form in the usual sense. Relopay runs as a Telegram mini app at @RelopayBot. You open it in Telegram, complete the Sumsub check described above, and the virtual card appears in the app.

Three card types are described:

• Virtual — the main product, valid 24 months, reloadable, denominated in USD, with 3-D Secure. This is the one that exists today.
• Prepaid virtual — valid 60 days, with a maximum balance of $1,000. A short-life option for people who want a number that expires quickly.
• Physical — “launching soon”, valid three years, and not yet available.

On the physical card, be clear-eyed: the card’s own pages still say “launching soon”, with no shipping information, no delivery time and no country list for the waitlist. The waitlist for further countries is also still open per the cards page in 2026. If the physical card is the reason you are reading about Relopay, you are reading about something that does not exist yet.

The card network is not named in the documentation I read; an earlier check said Visa. On prepaid cards the label “KYC required” appears again. Adding a card to a mobile wallet is a separate step covered under everyday use, and it is the one that has a small surprise attached.

Fees: what it really costs

The published numbers are good. The unstated one is the one to think hardest about.

Two things in that table are worth pausing on. First, the pages disagree with each other on the virtual plan’s spending ceiling: the cards page shows $50,000 a month while the usage terms say $4,000. Assume the lower figure until support tells you otherwise. Second, the term “limits” in the usage terms is broad — Relopay or the issuer may set daily, monthly and per-transaction limits beyond anything printed on a page.

Now the part that decides whether this card is cheap for you. The terms say “conversion fees apply when cryptocurrency is converted to fiat at the time of purchase”, and the rate is not published. That sentence means the conversion happens per purchase, not in one batch at a deposit. In practice, whatever spread or fee the provider applies at that moment is your real cost, and you cannot calculate it in advance from the published material. Ask for the rate before you commit real money, and treat the answer you get as the number that matters, not the $0.2.

Three everyday payments, and what applies to each:

• A $30 subscription billed in USD. The $0.2 transaction fee applies. No FX fee, because the payment is in the card’s own currency. The crypto conversion cost applies invisibly, at a rate you cannot read off the website.
• A €24 dinner in Paris. The $0.2 applies. The payment is converted automatically from EUR, and the fee for that conversion is not stated. This is the case where a “no FX fee” claim would matter most, and the card does not make one — it says payments in other currencies are converted automatically and leaves the fee unquantified.
• A $40 fuel fill. $0.2 applies, but fuel and EV charging are on the restricted-category list, so the payment may be declined outright — and a decline costs $0.5.

The pattern across all three is the same: the per-transaction fee is small and known, the conversion cost is real and unknown, and a surprising number of ordinary merchants are in categories the card blocks.

How to top it up

Top up with USDT on the Tron network (TRC20), with a minimum of $5. This is the route the usage terms describe and the only one stated in detail.

The cards page is broader than the terms. It names Bitcoin, USDT and “other cryptocurrencies”, and an earlier check of the cards page listed USDT, USDC, ETH, BTC, TON and BNB. Whether every one of those still works for a live deposit is something I could not confirm from the pages in front of me, so treat the wider list as marketing language and plan around USDT on TRC20.

Top-up fees are 0% on the virtual card and 1% on the physical card when it arrives. Top-up and transaction fees are calculated in USDT. Fiat top-up is not stated — the words suggest crypto only, and I would not plan a bank transfer into this.

Two network facts will save you money if you know them now. On Ethereum, the gas fee is paid in ETH, not in USDT: a wallet holding USDT and no ETH cannot send. On Tron, fees are paid through bandwidth and energy resources, often by burning TRX. And Circle stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option — if you hold USDC, you are on the wrong network for this card.

Timing is not stated. First-deposit delays of 10 minutes for a comparable product are normal, but Relopay publishes no figure, so do not plan a same-morning top-up before a payment you cannot afford to miss.

Now the withdrawal side, which is where a prepaid balance really differs from a bank account:

• Virtual-plan deposits are non-refundable, and unused balances cannot be refunded to the wallet.
• The card expires after 24 months, with whatever balance is left on it.
• On account closure, funds are withdrawn within “a reasonable period”, less fees. Unclaimed funds are kept for three years.

Read that again before you load a large balance. Money you put in cannot be pulled back out to your wallet, and what is left at month 24 is what it is. This is a spending balance, not a savings account.

Paying with it every day

The daily experience is genuinely good, and it is the strongest thing about this card. The virtual card supports Apple Pay and Google Pay, so you tap and pay rather than typing numbers into websites. Adding a card to a wallet uses a $0 verification transaction, which may carry a small fee and can leave the balance briefly negative — a harmless surprise, but a surprising one.

Restrictions are where daily life bites. Blocked categories include gambling, dating, money transfers, quasi-cash, fuel and EV charging, telecoms, gift cards, brokerage and charity. Charity carries a specific penalty: 30% of the transaction value with a $5 minimum. Gambling being blocked is a policy choice by the issuer rather than a legal rule, and the blocked list is not the same for every provider — but here it is simply blocked.

No cashback or rewards are stated. None. If a referral programme exists, the card’s pages do not describe it, so do not model one into your budget.

There is no App Store or Google Play app. Everything happens in the Telegram mini app @RelopayBot, and there are no store ratings to read — which is its own kind of information, and worth weighing when you are judging how established this is.

Support runs through Telegram too: @RelopaySupportBot, plus a Telegram channel, X and Instagram. Telegram-only support is fine for fast small questions and poor for anything involving a disputed sum of money.

One practical note about how card payments behave generally: adding a card to Apple Pay replaces the card number with a device-specific number stored on the device, and each payment uses a one-time code. That is good for security, but it also means some merchants behave differently with a tokenised foreign-issued prepaid card than with a physical bank card. If a payment is declined, the $0.5 fee is charged and no reason is given.

What can go wrong

The most important risk is not fraud or collapse. It is that transactions cannot be reversed.

Terms 9.11 says: “All Relopay Card transactions are final and may not be disputed, reversed, or cancelled” — except where the issuer or the law provides otherwise. Term 9.13 adds that disputes about goods are between you and the merchant. Read those together and the practical meaning is clear: if you pay for something that never arrives, the card is not your route to the money. In many countries, a bank debit card gives you statutory chargeback rights that this product does not offer.

The second risk is the unquantified conversion fee, described above.

The third is the balance itself. Fiat balances are held by the issuer, so the money sits with an institution rather than in your wallet, and your crypto is converted into that balance. Custody always carries counterparty risk, and the category has a record of it: Mt. Gox (about US$350 million reported stolen, 2011–2014), Coincheck (about US$400 million, 2018), Ronin Network (US$625 million, 2022).

The fourth is irreversibility at the network level. Blockchain transfers cannot be undone. If you send USDT on a network the provider does not support, or to an address belonging to a different network, the funds can be lost or need manual support recovery with no guarantee. This is the single most common way people lose money on cards like this, and it costs nothing to avoid: match the network, then paste the address.

The fifth is programme risk. Card programmes end. Visa terminated its global agreements with FTX on 13 November 2022, and the FTX US debit card was wound down by its issuer. WaveCrest, a Visa issuer that supplied several crypto card brands, was suspended by Visa in Europe in 2018, closing all WaveCrest-issued Visa programmes. Closures typically mean a notice period, then spending and loading stop, then you are asked to withdraw remaining balances.

Against that: I found no official incidents and no user complaints. A search for Relopay card reviews returned only unrelated companies — RelayPay, Relay Payments, Lopay — and no Relopay reviews or ratings anywhere I could find. Read that carefully rather than comfortably. No Trustpilot page for Relopay was found, so there is nothing being suppressed, but an absence of complaints from an almost invisible product is not a track record. It is a blank.

On the company side: the entities are 1507613 B.C. LTD (Canada, a FINTRAC-authorised payment services company) and RELOPAY PTE. LTD (Singapore, UEN 202514348M). Cards are issued by Xfers Pte. Ltd., and fiat balances are held by the issuer. A third-party profile — unofficial, not confirmed by the card — states that Xfers holds a Major Payment Institution licence from MAS. Security features are 3-D Secure and a Telegram mini app account; freeze controls and two-factor authentication are not stated.

What to take instead

Relopay’s honest competitor set is small, and none of these is dramatically better. What differs is geography, cost structure and how much of the fee picture is actually published — which, given the conversion-rate gap, is worth more than it sounds.

Azul Card is the one to look at if you are outside Relopay’s supported list. Its restrictions list is published, it works in nearly everywhere, and it is virtual only — so the same “no card in your hand” limitation applies. But it costs $20 to create the card and 4% to top up from crypto, which is a materially worse price for someone who transacts often. The referral scheme paying up to 40% of fees is unusual and worth asking about.

Telecard is the closest on score and the most transparent on fees. It publishes a 1.5% conversion fee on non-USD payments, a 0.5 USDT gas fee per successful transaction, and FX and cross-border fees of “up to 3% each”. It requires a $99 minimum deposit to activate, which it states is not a fee because the money stays in your wallet — still, it is $99 you cannot spend. It has no country list at all, and its terms only bar users “blocked or sanctioned by the United States Government, including OFAC”, so if you are in a sanctioned jurisdiction that is not OFAC’s list, you get no published answer.

OnCards is the one I would leave alone. Its pages say “simple and clear fees — no hidden charges” without a single amount, the card currency is not stated, and no country information appears anywhere. Nothing is priced, so nothing can be checked.

My read: if Relopay supports your country, its $3 issuance and 0% top-up beat every alternative on pure cost, and the missing conversion rate is the only thing to negotiate over. If it does not, compare Telecard and Azul on published fees rather than on headline scores — published fees are the only part you can verify before you start.

Who I would recommend it to

I would recommend Relopay to someone who lives in a supported country, already holds USDT on Tron, spends most of their money at merchants that take card payments, and treats the balance as a monthly budget rather than savings. For that person it is a good tool: $0.2 a payment, no annual fee, Apple Pay, and no bank account required.

I would not recommend it to you if any of these are true: you are a US, Canadian or Hong Kong resident or citizen, or hold a passport from a country on the exclusion list; you need cash from an ATM; you need a physical card before the end of this decade; you intend to load a large balance and treat it as money you can get back; or you are the kind of shopper who needs a chargeback when a merchant lets you down.

Before you commit, do three things. Ask support what the conversion rate actually is, since the website does not say. Ask them which spending limit governs your plan, because the cards page and the usage terms disagree. And make sure you understand that a payment you regret is your problem, not the card’s.

That is the whole review. Six out of ten, for a good tool in a narrow lane.

Frequently asked questions

What is the Relopay card?

Relopay is a virtual payment card funded with USDT and spent like an ordinary card, mostly through Apple Pay and Google Pay. You manage it inside a Telegram mini app rather than a downloadable app. The physical card is still listed as “launching soon”, so today this is a phone-only product. Cards are issued by Xfers Pte. Ltd., with entities in Canada and Singapore.

How does the Relopay card work?

You load USDT on the Tron network, and the card converts crypto into a fiat balance at the moment of payment. The balance is held by the issuer in USD, so the card spends only what you have loaded and cannot overdraw. Payments in other currencies are converted automatically. Deposits on the virtual plan are non-refundable and cannot be sent back to your wallet.

Is Relopay a bank?

No. Relopay is a card programme front-end, not a bank. The card itself is issued by Xfers Pte. Ltd., and your fiat balance is held by that issuer, which a third-party profile says holds a MAS Major Payment Institution licence. That is unofficial and not confirmed by the card. You are holding a prepaid balance with an issuer, not a bank deposit.

Who owns Relopay?

The companies behind it are 1507613 B.C. LTD, a FINTRAC-authorised payment services company in Canada, and RELOPAY PTE. LTD in Singapore, UEN 202514348M. Cards are issued by Xfers Pte. Ltd. None of this is disclosed in much detail on the card’s marketing pages, so you are trusting corporate registration records rather than a plain-English explanation of who runs the service.

Can I use the Relopay card in my country?

Only if your country is on the “Supported Countries” list in the website or app, which is not published in readable text. An earlier check found Vietnam, Thailand and Indonesia plus a waitlist. The card itself is said to work in 170+ countries, but that is the spend side. US, Canadian and Hong Kong citizens and residents are explicitly barred, along with many other nationalities.

How do I get a Relopay card?

There is no application form and no app store download. Open the Telegram mini app at @RelopayBot, complete the Sumsub identity check, and the virtual card appears in the app. You must be 18 or older with full legal capacity, upload a photo of an identity document, and pass a selfie or camera check, which the pages say takes a few seconds. A prepaid variant with a $1,000 limit and 60-day validity also exists.

Does Relopay require KYC, and can I activate it anonymously?

Yes, verification is required, and there is no anonymous route. The card’s own pages say “standard verification is required”, and prepaid cards are labelled “KYC required”. You select the region “All countries except USA”, choose your country and document, upload a photo, and complete a selfie check. Proof of address is not mentioned. This is ordinary identity checking for regulated services, not something to work around.

How do I top up the Relopay card?

Send USDT on the Tron network, TRC20, with a minimum of $5. Top-up is 0% on the virtual card and 1% on the physical one when it launches, with fees calculated in USDT. The cards page also names Bitcoin and “other cryptocurrencies”, and conversion happens at payment. One trap: on Ethereum the gas fee is paid in ETH, not USDT, and USDC is not supported on Tron.

Is the Relopay card safe?

There is no evidence of problems: I found no official incidents and no user complaints, though I also found no independent reviews at all, which is a blank rather than a clean record. The card uses 3-D Secure and a Telegram mini app account, and your fiat balance is custodial with the issuer. The real exposure is that transactions are final and cannot be disputed, reversed or cancelled except where the issuer or law provides otherwise.

How do I withdraw money from Relopay, and can I get it back?

Not directly. Virtual-plan deposits are non-refundable and unused balances cannot be refunded to the wallet — this is a spending balance, not a savings account. The card expires after 24 months with whatever remains on it. On account closure, funds are withdrawn within “a reasonable period” less fees, and unclaimed funds are kept for three years. Plan your monthly loads around that rather than around what you would like to keep.

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