YPT Card

What the YPT Card is

YPT stands for Yield, Pay, Trade. The platform started in crypto mining hashrate and staking - SpiderPool and xHash appear among its listed partners - and the card is the spending leg: recharge with USDT, USDC, BTC or ETH, hold the balance in dollars, and spend through Visa at merchants worldwide, with Apple Pay and Google Pay support and no need to convert to fiat in advance.

The most important thing to know is who actually runs the card: RedotPay is listed as YPT's partner, and the fee schedule is identical to RedotPay's published one. That means YPT is the front end - app, onboarding, yield products - while the card itself sits on an established crypto card programme's rails, with Sumsub handling identity verification.

The fee schedule, in full

YPT publishes its card limits and fees in its help centre, which puts it ahead of several cards in this directory:

• 1% on transactions in the card's default currency (USD).
• 2.2% on non-USD transactions - a 1% conversion fee plus a 1.2% FX component.
• $0.20 authorisation fee on transactions between $0 and $1, with the first five per card each month waived.
• $0.50 declined transaction fee, with the first three declined transactions each month waived.
• $100,000 per transaction, daily limit described as unlimited, USD settlement.

Card issuance is around 10 USDT at official pricing and has been free during promotions; physical cards have been given away free with worldwide shipping in YPT campaigns. In practice the cost of using this card is 1% to 2.2% on everything you spend, with no cashback to offset it.

Reputation and transparency

Ratings are mixed and based on modest samples: around 3.2 on Google Play from roughly 255 reviews, 3.7 on the US App Store and 4.6 on the Singapore store, and 2.6 on Trustpilot from only five reviews. The platform's documentation covers KYC, recharges, PIN management, refunds and transaction statuses in detail, and it publishes an unsupported-regions list - but it says little about the licence behind the card, which sits with the partner programme rather than with YPT itself.

Who it suits

If you already mine or stake through YPT and want to spend proceeds without moving them to an exchange, the card closes that loop at a published cost. If you are choosing a crypto card purely on value, this is the same product as RedotPay at the same price - so compare the underlying programme directly, and see the wider crypto cards directory for cards that pay cashback against the 1% you pay here.

Card features

• Virtual Visa card issued instantly after identity verification, with the physical card rolling out.
• Apple Pay and Google Pay support for contactless payment.
• Recharge directly with USDT, USDC, BTC or ETH - no advance fiat conversion needed.
• Physical card supports ATM cash withdrawal, while the virtual card is for online and wallet spending.
• User-set card limits inside the app.
• PIN setup, PIN changes and full card number visible in the app.
• Convenient payment flows including binding to Alipay HK.

Platform features

• Yield, pay and trade products in one app: mining hashrate through SpiderPool and staking through xHash are listed among the platform's partners.
• Identity verification handled through Sumsub.
• Referral and invite programme for registered users.
• Consumption bonus scheme referenced in the help centre, with rules on the order bonuses are applied.

Recharge assets

YPT accepts USDT, USDC, BTC and ETH for card recharge, converting them into a dollar balance behind the scenes so nothing has to be converted to fiat in advance. Network support per asset is not listed in one public page, so confirm the correct chain in the app before sending funds - YPT's help centre includes a dedicated page on deposits that never arrived because of the wrong coin or network.

Where the card runs

The card is issued through YPT's partnership with RedotPay, with identity verification through Sumsub. YPT itself focuses on yield products - mining hashrate and staking - with the card as the spending layer, so the underlying card infrastructure, licensing and custody sit with the partner programme rather than with YPT.

Custody

Balances loaded onto the card are custodial: you top up the card and spend from that balance rather than spending directly from a wallet you control. Keep only spending money on the card, and hold the rest of your crypto in your own wallet.

Spending fees

• Transactions in the card's default currency (USD): 1%.
• Non-default currency transactions: 2.2%, comprising a 1% conversion fee and a 1.2% foreign exchange component.
• Small-amount authorisation fee: $0.20 per transaction on amounts between $0 and $1, with the first five transactions per card each month waived.
• Declined transaction fee: $0.50 per occurrence, with the first three declined transactions per card monthly waived.

Card fees

• Issuance: around 10 USDT at official pricing, free during promotional periods.
• Annual and monthly fee: none.
• Physical card: issued free in YPT's 2026 giveaway campaigns with worldwide shipping; standard pricing tracks the partner programme, where a physical card is typically the more expensive tier.

Limits

• Per transaction: $100,000.
• Daily: unlimited.
• Default settlement currency: USD.

How the cost lands

A 1% fee on dollar spending and 2.2% on everything else makes this one of the more expensive everyday cards in the directory, and there is no published cashback to offset it. Anyone spending mostly in non-USD currencies should compare that 2.2% against cards charging a disclosed 1% or 0% FX, because on a $1,000 monthly spend it is the difference between $10 and $22.