Karma Spend Card
KYC
KYC
Benefits
- Users hold their own private keys and can deposit funds via USDC or bank transfer.
- USD/EUR/GBP fiat currency deposits are automatically converted into crypto assets
- Can be consumed at Visa merchants
- Currently a virtual card
Supported services
△Apple Pay
△Google Pay
△WeChat Pay
△Alipay
△ChatGPT
△Claude
Things to know
- 0.5% service fee for each purchase (according to third-party evaluation)
- Foreign exchange fees for non-USD transactions are up to 3%, currently 1% (charged by Visa)
- The maximum cross-border fee is 3%, currently 0%; the terms reserve the right to charge interest in the future
Fees & specifications
CashbackNot disclosed
Foreign exchange feesCurrently 1% (upper limit 3%)
Staking requirementsNone
Card formatVirtual card
Settlement assetsUSDC and other crypto assets
Sources & notes
Data credibility: medium; verification date 2026-10-09.