MiniPay Card

What the MiniPay Card is

MiniPay is Opera's self-custodial stablecoin wallet on Celo, which grew to more than 16 million activated wallets across 65+ countries since launching in 2023. The MiniPay Card, launched in June 2026 in collaboration with Visa, turns those stablecoin balances into spendable money: a digital Visa debit card accepted at over 175 million merchant locations worldwide, with the merchant seeing an ordinary Visa transaction.

How it is built

The card runs on Gnosis Pay's infrastructure, which bridges MiniPay's on-chain balances to Visa's network, and is issued through Monavate's regulated card issuing business. That combination matters for safety: the card is not a bare smart contract, it sits inside a licensed issuing and payments stack.

Cashback in gold

Rather than points, MiniPay pays cashback in assets. In most markets across Africa, Latin America and Asia the reward is Tether Gold (XAUt), a token backed one-to-one by physical gold in a Swiss vault; in other markets the cashback accrues in stablecoins such as USDT and USDC. Rewards land automatically each month, and the qualifying rate reaches 5% on eligible purchases.

Self-custody and practicalities

The card is unusual in that your balance stays in your own wallet until the moment you tap - MiniPay describes it as self-custodial, with instant freeze and unfreeze. There are no activation fees and no deposit fees, and funds transferred in from other wallets are spendable as soon as they land. It is issued as a digital card, added to Apple Pay or Google Pay in under a minute, and availability is limited to the selected markets listed in the app.

MiniPay spends stablecoins from a self-custodial Celo wallet and is designed for users outside the usual card markets. The Eversend Card serves a similar audience through a licensed African fintech, and the Morse Card pairs a dollar account with a free Visa that waives foreign transaction fees. See the crypto cards directory for the emerging-market set.

Spending

• Spend USDC, USDT and mUSD at Visa merchants online and in-store.
• Add the card to Apple Pay or Google Pay in under a minute.
• Accepted at 175M+ merchant locations worldwide, in 46 countries.
• Top up from your MiniPay balance or bring funds in from any wallet, with $0 deposit fees.

Self-custody controls

• Your balance stays in your self-custodial wallet until the moment you tap.
• Freeze and unfreeze the card instantly.

Rewards

• Up to 5% cashback on qualifying purchases.
• Paid in digital gold (XAUt) in most markets across Africa, Latin America and Asia, or in stablecoins in others.
• Rewards land automatically every month.

Getting started

• Available through the MiniPay app on Android, with iOS access via TestFlight.
• Early-access registration requires selecting your country and completing verification.

Supported assets

MiniPay is a stablecoin wallet built on Celo, and the card spends USDC, USDT and mUSD - Opera's own dollar-denominated token. Because all three track the dollar, the card balance does not move with crypto markets between top-up and purchase.

Rewards in gold

The distinctive feature is that cashback is paid in Tether Gold (XAUt), a token where each unit is backed by one troy ounce of physical gold held in a Swiss vault, in most markets across Africa, Latin America and Asia. In other markets the reward is paid in stablecoins. Either way it is an asset rather than a promotional credit.

Funding from other wallets

You can fund the card from your MiniPay balance or bring stablecoins in from any wallet you already use, with no deposit fee, and the funds are spendable as soon as they land. Because the wallet is self-custodial, the balance remains yours until you spend it.

Published terms

• Card activation: $0, no activation fee
• Deposit fees: $0 when funding from your balance or from another wallet
• Cashback: up to 5% on qualifying purchases, paid monthly
• Cashback assets: digital gold (XAUt) or stablecoins depending on market

Not published

MiniPay does not publish FX conversion spreads, ATM withdrawal fees or spending limits on the card page. The card is a dollar-denominated Visa debit card, so spending in other currencies will involve a conversion at a rate set within the Gnosis Pay and Monavate stack rather than by MiniPay directly.

Cashback conditions

The 5% rate applies to qualifying purchases under a published cashback terms of service, and the programme is open only to card users in qualifying countries. Rates and eligible categories can change, so check the current terms before assuming a purchase will earn the full rate.