The simplest way to
spend stablecoins
CardoPay provides stablecoin-funded spending cards issued through US-licensed banking partners and processed on Visa and Mastercard networks. We connect crypto wallets to real-world payments—with transparency, speed, and simplicity at every step.
What we do
We bridge stablecoins and everyday spending through two purpose-built card products.
Subscription card
Recurring payment specialist
Engineered for recurring charges on global platforms—AI subscriptions, cloud billing, SaaS, and streaming. BIN selection and routing are tuned for higher success on periodic billing.
Spend card
Daily spending bridge
Stablecoin-funded purchasing power for mobile wallets and in-person spend. Add to Apple Pay, Google Pay, and supported local wallets where eligible.
How it works
Your stablecoins move through regulated infrastructure to become spendable balance on your card.
We don't hold your funds — they flow through licensed partners to your Visa or Mastercard card.
Platform capabilities
Instant issuance
Virtual cards issued in minutes through your browser. No app download or physical delivery wait.
Smart BIN routing
Multiple BINs with automated selection based on merchant compatibility and success-rate feedback.
Multi-chain support
USDT and USDC on Tron, Ethereum, Arbitrum, Polygon, and more. Funding options are confirmed at deposit.
Full fee transparency
Fees and rules are documented before you pay. Our updates hub covers failures, holds, and policies.
Recurring optimization
Subscription card is tuned for periodic charges across AI tools, cloud, and SaaS platforms.
Risk controls
Spend limits, real-time monitoring, and instant freeze or unfreeze from your dashboard.
Wallet binding
Spend card adds to Apple Pay, Google Pay, and supported wallets for contactless and online checkouts.
Dashboard & reporting
Balances, transactions, and exports suitable for bookkeeping and internal review.
Business solutions
Volume programs with centralized billing, controls, and escalation paths for teams.
Our principles
How we build trust in an industry that often lacks it.
Transparency first
Every fee, every rule, and every edge case is documented before you pay. We don't hide important information behind private support threads. If a merchant pattern has known friction, we say so on public pages—not after you've funded.
Honest boundaries
We state clearly what we can do and what we cannot promise. Merchant risk controls, chain congestion, and card-network policies sit outside our control—and we say that upfront, not in fine print.
Support you can reach
Telegram community, email, legal resources, and a payment troubleshooting flow are publicly linked. When something breaks, you know where to go.
Continuously improving
Documentation, BIN routing guidance, and product behavior evolve together. What you read should reflect today's product—and we publish updates and status transparently.
Built on trusted infrastructure
Cards are issued through US-licensed banking programs and settled on global card networks. Funding starts from major public chains you already use.
Card networks
Blockchain networks
Tron
Ethereum
Arbitrum
Polygon