ERC20 Card
An ERC20 card is a prepaid Visa or Mastercard that you top up using tokens sent over the Ethereum network, most commonly USDT or USDC in their ERC20 form. Instead of routing through an exchange withdrawal or a separate off-ramp, you send tokens from your existing Ethereum wallet directly to your card's deposit address, and the balance becomes spendable once the transaction confirms.
The fastest way to get one is to sign up with just an email, since standard use requires no identity documents, then fund the card with a minimum $50 ERC20 top-up. The card is issued instantly after that first successful deposit, and from there it works at any of the 150M+ merchants on the Visa/Mastercard network, plus Apple Pay and Google Pay as of July 2026.
When you load an ERC20 card, you're sending stablecoins or ETH from your wallet to an address tied to your card account on Ethereum mainnet. The platform converts that deposit into fiat-equivalent balance after a 5% top-up fee, and once it clears, the funds sit on the card just like any prepaid balance ready to swipe.
From that point, spending works exactly like a normal prepaid card: transactions run over Visa or Mastercard rails, so the merchant never sees or interacts with crypto at all. The one-time $10 issuance fee and $0 monthly fee apply regardless of which network you use to fund it.
ERC20 is one of the most widely supported networks for stablecoin transfers, but it runs on Ethereum mainnet, which means your top-up is subject to Ethereum gas fees and network congestion at the time you send. During busy periods, gas can push the effective cost of a small top-up noticeably higher, so ERC20 tends to make more sense for larger, less frequent loads rather than many small ones.
- Gas fees are paid in ETH and vary with network demand, separate from the card's 5% top-up fee
- Confirmation times are typically a few minutes, faster than some networks but slower than TRC20 in most conditions
- Always double-check you're sending an ERC20 token and not accidentally a token from another network, since wrong-network sends can result in lost funds
- Match the token contract (USDT vs USDC) to what your card deposit address actually expects before sending
People who already hold assets on Ethereum, or who trade primarily on ERC20-based platforms, often prefer this route because it skips an extra network bridge or swap. It suits users funding subscriptions, online ad accounts, or travel expenses where a single, larger top-up covers weeks of spending rather than frequent small deposits.
Because the card works anywhere Visa or Mastercard is accepted, it also fits everyday spending, from groceries to online checkout, once the ERC20 deposit has confirmed and converted onto the card balance.
Frequently asked questions
What is an ERC20 card?
It's a prepaid Visa or Mastercard funded by sending ERC20 tokens like USDT or USDC over the Ethereum network. Once the deposit confirms, the balance is spendable at any merchant that accepts Visa or Mastercard.
How much does it cost to load an ERC20 card?
There's a 5% top-up fee on the amount you send, plus Ethereum network gas fees that vary with congestion. The card itself has a one-time $10 issuance fee and no monthly fee.
Do I need ID to get an ERC20 card?
No, standard signup only requires an email address with no identity document verification, reflecting a privacy-focused, minimal-data-collection approach. This applies to standard use of the card.
What happens if I send the wrong token or network?
Sending a non-ERC20 token, or an ERC20 token to the wrong contract address, can result in funds that don't credit properly or are lost. Always confirm the network and token type match exactly what your card's deposit address expects before sending.