A crypto card that keeps you in self-custody
Bitypay is a crypto Visa card backed by the USDC you hold as collateral in a wallet only you control. Unlike most crypto cards — where a company custodies your funds — Bitypay is non-custodial: your crypto stays yours, on-chain, while you spend it anywhere Visa is accepted, with 0% deposit fees.
What makes this crypto card different
Most crypto cards require you to deposit your coins with the issuer, who then holds and converts them. Bitypay flips that: you keep your USDC in your own non-custodial wallet, and the card spends against it. You get the convenience of a Visa debit card without handing over custody of your money.
What you get
- ✓Self-custody — your keys, your crypto; Bitypay never holds your funds
- ✓Backed by USDC, a fully-reserved US-dollar stablecoin (no volatile-coin margin calls)
- ✓0% deposit fees; you pay only network gas (cents on Base and Arbitrum)
- ✓Accepted wherever Visa is accepted — 150M+ merchants, Apple Pay and Google Pay, ATMs
- ✓Instant virtual card, card freeze, spending limits, 3-D Secure and step-up security
- ✓Business plans: multi-card issuance for teams on a shared USDC treasury
How it works
- ✓Create an account with email + passkey and complete a 3-minute identity check
- ✓Fund your card by sending USDC from any wallet on Base or Arbitrum
- ✓Spend anywhere Visa is accepted, online or in-store, and manage everything from the app
Frequently asked questions
Is this a custodial or non-custodial crypto card?
Non-custodial. Your USDC stays in a self-custody wallet you control. Bitypay never holds your funds or recovery phrase, unlike most crypto cards where the issuer custodies your coins.
Which crypto backs the card?
USDC — a fully-reserved US-dollar stablecoin — held as collateral on Base or Arbitrum. Because it is pegged to the dollar, your spending power is stable.
Do I need a bank account?
No. Bitypay is not a bank and does not require one. You fund the card directly with USDC from your own wallet.
What are the fees?
0% deposit fees — you pay only blockchain gas (cents on L2). FX and ATM fees are disclosed transparently in the fee schedule before you order the card.
Where can I use the card?
Anywhere Visa is accepted worldwide — over 150 million merchant locations, online and in-store, plus ATMs, with Apple Pay and Google Pay.
Get your Bitypay card
Sign up in minutes, verify your identity, and start spending your USDC anywhere Visa is accepted.