Oobit

Oobit is a self-custodial Tap & Pay crypto payments app that lets you spend your crypto at any of Visa's millions of merchants worldwide — in-store, online and on the go. Rather than issuing a separate physical card, Oobit generates a virtual Visa inside the Oobit mobile app and uses your phone's NFC (Tap & Pay) for contactless payments, similar to Apple Pay.

The product's core novelty is self-custody: Oobit plugs into the wallet you already use — hardware wallet, mobile wallet or non-custodial app — instead of asking you to migrate funds to a custodial card balance. Your crypto stays in your wallet and only converts to fiat the moment you pay.

How it works at the point of sale

1. You hold supported crypto (USDT, BTC, ETH, TON, BNB, VET, BCH) in your own wallet.
2. You tap your NFC-enabled phone at any Visa contactless terminal (or pay online at any Visa-accepting checkout).
3. Oobit routes the Visa transaction, converts your crypto to local fiat at the moment of payment, and the merchant receives fiat — exactly as if you had used a normal Visa card.
4. Your crypto only leaves your wallet at the moment of payment — no pre-funded card balance, no manual top-up.

Backed by Tether

Oobit has a deep partnership with Tether and is publicly endorsed by Tether CEO Paolo Ardoino as 'user-experience perfection' for real-life USDt payments. Oobit supports USDt-TON, USDt-TRON and USDt-Ethereum, plus partner integrations with BNB Chain, TON and VeChain for everyday stablecoin spending.

Trusted by millions

• 4.8★ on the Apple App Store with 22,000+ reviews.
• 4.8★ on Google Play with 25,000+ reviews.
• Available across 145+ countries globally, trusted by millions of users.

Supported payment channels

• Pay in-store — Tap & Pay at any contactless Visa terminal.
• Pay online — at any e-commerce checkout accepting Visa.
• Send crypto — to friends, family and contractors globally with $0 fees on eligible send corridors.

For people who choose freedom

Oobit is built for global, cross-border spending freedom — pay locally wherever you are travelling with whatever crypto you hold. It is particularly useful for the unbanked, the under-banked, and the crypto-native who wants to live on crypto without converting in advance.

Oobit's Tap & Pay app spends from your own wallet rather than a hosted balance, putting it in the same group as the Payy Card and the MetaMask Card. The trade-off across all three is a smaller rewards programme in exchange for keeping custody. The crypto cards directory records which chains and tokens each accepts.

Tap & Pay in-store, online and on the go

• App-based NFC Tap & Pay at any contactless Visa terminal, just like Apple Pay.
• Pay online at any e-commerce checkout that accepts Visa.
• Send crypto to anyone, anywhere — with $0 fees on eligible send corridors per the official Oobit homepage.

Use any wallet

• Oobit is non-custodial — your crypto sits in your wallet (hardware wallet, mobile wallet or non-custodial app) and only converts to fiat the moment you pay.
• No need to migrate your existing wallet — Oobit plugs into the wallet you already use.

Supported cryptocurrencies (representative)

• USDT — Tether, on multiple chains (USDt-TON, USDt-TRON, USDt-Ethereum)
• BTC — Bitcoin
• ETH — Ethereum
• BCH — Bitcoin Cash
• TON — The Open Network
• BNB — BNB Chain
• VET — VeChain

Ongoing partner integrations are expanding the supported asset set across Tether, BNB Chain, TON and VeChain ecosystems.

Visa network acceptance

• Pay anywhere Visa is accepted — at over 100 million Mastercard-free Visa merchants globally.
• Merchants receive fiat currency; you keep paying from your own crypto wallet.

Trusted, well-rated apps

• 4.8★ on the Apple App Store with 22,000+ reviews.
• 4.8★ on Google Play with 25,000+ reviews.
• Trusted by millions of users worldwide across 145+ countries.

Backed by Tether

• Oobit works closely with Tether to make real-life USDt payments viable at point of sale.
• Endorsed publicly by Tether CEO Paolo Ardoino and BNB Chain, TON, VeChain ecosystem partners.

For people who choose freedom

• Built for global, cross-border spending freedom — pay locally wherever you are travelling with whatever crypto you hold.
• Ideal for the unbanked, the under-banked, and the crypto-native who wants to live on crypto without converting in advance.

Oobit connects to your own wallet, so any supported cryptocurrency you hold in your hardware wallet, mobile wallet or non-custodial app can be spent at point of sale. The set of supported assets is expanding through partner integrations with Tether, BNB Chain, TON and VeChain.

Headline supported cryptocurrencies

• USDT — Tether across multiple chains (USDt-TON, USDt-TRON, USDt-Ethereum) — Oobit's flagship stablecoin integration
• BTC — Bitcoin
• ETH — Ethereum
• BCH — Bitcoin Cash (one of the earliest supported assets, endorsed by Roger Ver as 'Bitcoin Jesus')
• TON — The Open Network, with TON x Oobit enabling 100M+ retailer access for $TON and USDt-TON
• BNB — BNB Chain, integrated with the BNB Chain ecosystem for everyday stablecoin payments
• VET — VeChain, integrated for low-carbon-footprint in-store Tap & Pay spending

The supported asset set is continually expanding via partner integrations; check the Oobit app to see the full current list of supported tokens and chains for your jurisdiction.

Supported fiat (auto-conversion at point of sale)

• Local currency at any Visa merchant worldwide — converted from your selected crypto at the moment of payment
• Oobit does not require advance manual conversion; the conversion happens inside the Oobit app at point of sale, with the spread disclosed in-app

Headline fee model

• Sending crypto: $0 fees on eligible send corridors (per the official Oobit homepage banner).
• In-store Tap & Pay: Transparent conversion — your crypto converts to fiat at the moment of payment; any conversion spread is shown in the app before you confirm.
• Online card payments: Same fee model — Oobit does not publish a per-transaction card fee or FX markup that would apply on top of conversion.

Conversion & network

• Runs on the Visa network globally — merchants receive fiat; you keep your crypto in your own wallet until the moment of transaction.
• Conversion happens real-time at point of sale, so you avoid being out of the market on a pre-funded card balance.

ATM fees

• Oobit is positioned primarily as a Tap & Pay crypto-spending app rather than a withdrawal card; ATM functionality is not explicitly documented on the official homepage. Check the Oobit app for current ATM support and any third-party ATM operator fees in your jurisdiction.

Always check the live schedule

The authoritative fee schedule, conversion spreads and supported asset list are published in the Oobit app and on official Oobit legal pages — fee terms may change by jurisdiction and over time.