Payy

The Payy Card is a self-custodial Visa payment card issued by Payy Network for verified Payy Wallet users. It lets you spend stablecoins held in your Payy Wallet at any Visa merchant worldwide, while your onchain balances and payment history stay private by architecture — card activity routes through Payy Network so that public onchain balances and payment history are not exposed as you spend.

Self-custodial stablecoin spend

Payy Card turns a verified Payy Wallet balance into everyday Visa spend, so users can use stablecoins without leaving the Payy stack. The Payy Wallet is non-custodial — your keys, your stablecoins — and Payy handles the bridge between your stablecoin balance and Visa card rails automatically, at the moment of payment. No pre-funded custodial card balance is required.

Virtual and physical cards

Eligible users can use a virtual card online, add it to Apple Pay or Google Pay, and extend the same balance to a physical card for in-person purchases. Both cards draw from the same verified Payy Wallet stablecoin balance, and you can freeze or unfreeze the card instantly from inside the Payy Wallet app.

Built-in privacy by architecture

Payy Card is positioned as 'the only stablecoin-backed card with built-in privacy.' Privacy is built into the payment path: card activity routes through Payy Network so that public onchain balances and payment history are not exposed as a cardholder spends. This is the headline differentiator versus other self-custodial crypto cards.

Apple Pay & Google Pay

Payy Card fully supports Apple Pay and Google Pay on supported devices — add your Payy Card to your mobile wallet for easy contactless payments in-store and at any Visa-accepting online checkout.

For verified Payy Wallet users

Access requires a verified Payy Wallet account. Availability may be region-limited and waitlist-driven during initial rollout; confirm eligibility via the Payy Wallet app or the Payy website.

The Payy Card is issued to verified Payy Wallet users and keeps funds in self-custody until you spend. The Oobit app works the same way on the Visa network, and the MetaMask Card extends that model to MetaMask wallets with a free virtual tier. Compare the wallet support in the crypto cards directory.

The only stablecoin-backed card with built-in privacy

• Payy Card is positioned as the only stablecoin-backed card with privacy built into the payment path by architecture.
• Card activity is routed through Payy Network so that public onchain balances and payment history are not exposed as a cardholder spends.

Spend from Payy Wallet

• Payy Card turns a verified Payy Wallet stablecoin balance into everyday Visa spend — users can spend stablecoins without leaving the Payy stack.
• Self-custodial: the Payy Wallet holds your keys, so spend remains self-custodial up to the moment of card payment.

Virtual and physical cards

• Eligible users can use a virtual card online, add it to mobile wallets (Apple Pay, Google Pay), and extend the same balance to a physical card for in-person purchases.
• Virtual card is available immediately on verification inside the Payy Wallet app.
• Physical card is available only to eligible users on request.

Apple Pay & Google Pay

• Yes — Payy Card supports both Apple Pay and Google Pay on supported iOS and Android devices for easy contactless and online payments.

In-app card controls

• Freeze and unfreeze your Payy Card instantly from inside the Payy Wallet app.
• Payy handles the bridge between stablecoin balances and card rails — no manual asset conversion is needed ahead of time.

Built for real-world spend

• One card balance, multiple form factors — virtual for online and mobile wallets, physical for in-person purchase.
• Private by architecture — payment activity is not exposed on a public ledger as you spend.

Payy Card is a stablecoin-backed card — it spends stablecoins held inside your verified Payy Wallet balance. The official Payy card page does not itemise which specific stablecoins are supported; the current list is shown inside the Payy Wallet app.

Spendable assets

• Stablecoins — supported stablecoins held inside the verified Payy Wallet balance
• Indicative list includes the major USD-pegged stablecoins (e.g. USDt/Tether, USDC); check the Payy Wallet app to confirm the current accepted set for your jurisdiction.

Direct BTC, ETH or other non-stablecoin crypto spending is not the product focus; spend is funded by stablecoins inside Payy Wallet, with Payy handling the bridge between your balance and Visa card rails.

Supported fiat (auto-conversion at point of sale)

• Local currency at any Visa merchant worldwide — converted from the underlying stablecoin balance via Payy Network at the moment of payment
• No advance manual conversion is required; the conversion happens automatically per transaction, with the spread disclosed in the Payy Wallet app

Headline fee model

• The official Payy card page does not publish a granular fee schedule — issuance, monthly, conversion and physical card fees are shown inside the Payy Wallet app at sign-up.
• Payy Wallet is self-custodial, so there is no implied custodial holding fee on your stablecoin balance.
• Conversion from stablecoin balance to Visa card rails is handled automatically by Payy at the moment of payment.

Conversion & network

• Runs on the Visa network globally — merchants receive fiat currency; your Payy Wallet stablecoin balance is debited at the moment of card payment.
• Payment activity is routed through Payy Network for privacy — public onchain balances and payment history are not exposed as a cardholder spends.

ATM fees

• ATM functionality is not explicitly documented on the official Payy card page; ATM support may be limited. Check the Payy Wallet app for current ATM availability and any third-party ATM operator fees in your jurisdiction.

Always check the live schedule

The authoritative fee schedule, supported stablecoin list and physical card issuance terms are published in the Payy Wallet app and on official Payy legal pages — fee terms may change by jurisdiction and over time.