dtcpay Card

What the dtcpay Card is

dtcpay is one of the more seriously regulated names in stablecoin payments. It holds a Major Payment Institution licence from the Monetary Authority of Singapore covering digital payment token services, an Electronic Money Institution licence in Luxembourg, and an AUSTRAC registration in Australia - eight licensed jurisdictions in total, with the company also a Visa principal member. It launched the Digital Treasures Card in February 2025 as a Visa Infinite product, initially pitched at ultra-high-net-worth individuals and now opened up as a virtual-plus-physical consumer card.

Because it holds the licences and the Visa membership itself, this is not a white-labelled card programme: dtcpay is the regulated entity behind the product.

What you get

• Virtual card, issued instantly, ready for Google Pay and Samsung Pay - note that Apple Pay is not listed.
• Physical card for in-store spending, with a metal Visa Infinite tier on waitlist carrying travel privileges, lifestyle rewards and 24/7 concierge.
• Zero FX markups on spending: top up with stablecoins, pay in fiat wherever Visa is accepted, at over 150 million merchant locations in 200+ countries.
• Controls: real-time transaction notifications, instant freeze and unfreeze, spending limits you set yourself, fraud monitoring and instant card lock.

Funding and currencies

Top-ups accept stablecoins or fiat. dtcpay's supported fiat currencies include USD, SGD, EUR, GBP, HKD, JPY and AUD, and its stablecoin set covers USDC, USDT, FDUSD and WUSD, part of a wider 11+ stablecoin offering. Stablecoin-to-fiat conversion happens in the dtcpay wallet at what the company describes as competitive real-time rates.

What is not published

Strikingly little about the card's own fee schedule: issuance cost, annual fee, ATM terms, spending ceilings and any loading or conversion spread are all absent from public documentation. The headline claim of zero FX markups is clear; the rest has to be confirmed inside the app. For a licensed institution with a premium card, that is a transparency gap rather than a red flag.

Who it suits

If you hold stablecoins and want a card attached to a genuinely licensed institution - rather than an offshore card programme with an unnamed issuer - dtcpay is one of the strongest structures available, particularly if you transact in Singapore dollars or euros and care about the regulatory perimeter. If disclosed fees matter more to you than the licence, compare the Coin98 Fusion Card, which publishes a 1% load fee and a $9 issuance cost under an MAS-regulated issuer, or browse the crypto cards directory.

Virtual card

• Generated instantly and usable right away for online payments, subscriptions and wallet payments.
• Support for Google Pay and Samsung Pay.
• Card details managed in the dtcpay app with real-time notifications and instant lock.

Physical and metal cards

• Physical Visa card for in-store spending worldwide.
• Metal Visa Infinite tier on waitlist, with travel privileges, curated lifestyle rewards and 24/7 concierge support.

Security and controls

• Fraud monitoring and secure-by-design card infrastructure.
• Freeze and unfreeze the card instantly.
• Self-set spending limits by card.
• Real-time transaction notifications on every purchase.

Funding

• Top up with fiat or supported stablecoins in seconds.
• Stablecoin-to-fiat conversion inside the dtcpay wallet at real-time rates.

Stablecoins supported

dtcpay's wallet supports USDC, USDT, FDUSD and WUSD on the card and payments side, within a broader offering of 11+ stablecoins. Stablecoin-to-fiat conversion is handled in the app at real-time rates, and the card then spends fiat wherever Visa is accepted.

Fiat currencies supported

USD, SGD, EUR, GBP, HKD, JPY, AUD and more - 35+ currencies overall across dtcpay's payment products, with 7 countries supported directly and 8 licensed jurisdictions.

Regulatory context

dtcpay holds a Major Payment Institution licence from the Monetary Authority of Singapore for digital payment token services and other payment services under the Payment Services Act, plus an EMI licence in Luxembourg and AUSTRAC registration in Australia. It is a Visa principal member, which means the card programme runs under dtcpay's own membership rather than a third-party sponsor - a meaningful distinction from cards in this directory whose issuer and licence are undisclosed.

Published

• Foreign exchange markup on card spending: zero, stated on the card page.
• Merchant coverage: 150 million+ Visa locations in 200+ countries and territories, with no per-market surcharge mentioned.

Not published

• Card issuance fee.
• Annual or monthly card fee.
• ATM withdrawal fees and limits.
• Default spending and load ceilings.
• Any loading or conversion spread when moving stablecoins onto the card.

How to read this

A zero FX markup is a real, meaningful benefit on cross-border spending and it is the one number dtcpay states plainly. Everything else is confirmed only after you complete onboarding in the app. Because dtcpay is MAS-licensed in Singapore and EMI-licensed in Luxembourg, its fee disclosures sit inside those regimes - ask support for the cardholder fee schedule before committing to the metal tier.