NoOnes Virtual Visa Card

NoOnes — the peer-to-peer marketplace formerly known as Paxful — issues a virtual USD Visa card directly from its wallet. You choose a top-up amount, pay for it in USDT, and the card is ready in seconds once your account is email- and phone-verified and ID-checked at L2.

It is a spend-your-crypto card rather than a rewards card: there is no cashback, and the economics run through transaction fees instead. Transactions settled outside the USA cost 3% + $0.50, charged by the issuing bank, while in-store contactless payments through Apple Pay or Google Pay carry 0.25%. Card withdrawals are free and are credited back to your wallet as USDT.

Availability is the limiting factor. The card is issued in most countries, but it is not available in the United States and roughly twenty other restricted jurisdictions, the maximum spend is $50,000 once you complete address verification, and up to three cards can be active at once.

NoOnes issues a virtual Visa to ID-verified users so they can spend USDT held in a NoOnes wallet online and through Apple Pay. UU Wallet funds its Visa Platinum the same way, and PEXX adds a physical card to its stablecoin payments account. The crypto cards directory compares their verification steps.

What you get

• Virtual USD Visa created in seconds from your NoOnes wallet
• Topped up directly with USDT from the same wallet
• Apple Pay and Google Pay contactless support at a 0.25% fee
• Up to three active cards, useful for separating subscriptions
• Free withdrawals back to USDT
• 2FA confirmation for creation, top-ups and viewing card details
• Spending limit up to $50,000 after address verification

Where it fits

It suits NoOnes users in Africa, Asia and Latin America who already hold USDT in the platform wallet and want a fast, low-documentation way to pay online. US residents cannot use it, the non-US transaction fee is one of the higher ones in this directory, and there is no rewards programme to offset it.

Funding

Card top-ups are paid in USDT (Tether) from your NoOnes wallet — buy it on the marketplace, deposit it, or convert other crypto to USDT first. Card withdrawals return funds to the same wallet as USDT.

Spending

The card settles in USD on the Visa network, so it works wherever Visa is accepted. There is no crypto rewards or cashback component.

Card and top-up

• Up to three active cards; no limit on how many you open over time
• Card creation and top-up fees are shown before you confirm and are listed on NoOnes' fees page
• No monthly or annual fee; no cashback
• Card withdrawals: free, credited to your wallet in USDT equivalent
• Minimum balance: $1 must stay on the card, and cards can be terminated once the balance is below $2

Transactions

• Transactions settled outside the USA: 3% + $0.50, charged by the issuing bank rather than NoOnes
• In-store contactless payments through Apple Pay or Google Pay: 0.25%
• Second and third declined payment attempts: $0.75 each, with automatic card termination after three failures

Limits and locks

• Spend up to $50,000; address verification is required to top up more than $500 in total
• Withdrawals and card closure are frozen for 72 hours after the last card activity, so pending transactions settle first