YPT Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | 10 USDT one-time |
|---|---|
| Annual fee | Free |
| FX fee | 1.2% on non-USD transactions, on top of the 1% transaction fee (2.2% total) |
| ATM limit | Only via the physical card, which is not yet available |
| Spending limit | $100,000 per transaction, unlimited daily |
Fees change; the current ones are in YPT’s terms.
Features
- Custody: Custodial: assets held by a licensed trust company with $50 million insurance; the trust company is not named
- KYC: Yes
- Card type: Virtual
- Top up with: Direct blockchain top-up: USDT, USDC, BTC, ETH on Ethereum, Tron, BSC, Polygon and Bitcoin networks; minimum >1 USDT
- Available countries: Worldwide at merchants that accept mainstream cards, except sanctioned individuals, entities, countries and regions
Full list
- Japan, Singapore, Australia, Bulgaria, Cambodia, Kenya, Armenia, Jordan and Namibia not supported as billing or mailing address
- Egypt, Morocco, Tunisia, Palestine, Puerto Rico and Tanzania not supported as mailing address (billing address accepted)
Who issues the YPT Card
Our issuer directory has no verified entry for the YPT Card yet: a bank goes in only with a source we can cite. 39 of the 141 cards you can still get are in the same position. See our BIN-sponsor research for why disclosure varies and what it means for you.
Supported cryptocurrencies
You can load the YPT Card with crypto; the 6 assets we track for it are listed below.
Pros and cons
Pros
- Cheap entry (10 USDT once, nothing recurring)
The fine print
- Direct multi-chain top-up in 4 assets on 5 networks
- Apple/Google Pay plus Alipay HK and PayPal binding
- Very high per-transaction limit
- No annual maintenance fee
Cons
- 1% fee on every purchase (2.2% on non-USD)
The fine print
- 1.5% (minimum $0.50) at listed merchants such as Facebook Ads, Discord and mobile games
- No cashback
- Physical card and therefore ATM access still pending
- Issuing bank undisclosed (RedotPay named as programme partner)
- $0.20 on transactions under $1 from the sixth each month, $0.50 per declined transaction from the fourth
- Card issuance fee: 10 USDT one-time
Regional availability
Available worldwide
Worldwide except sanctioned countries; Japan, Singapore, Australia, Bulgaria, Cambodia, Kenya, Armenia, Jordan and Namibia excluded as billing addresses.
Card overview
The "it will be put into use soon" line on YPT's homepage belongs to the physical card, not the programme. It looks like a status banner and isn't one: the virtual panel sitting next to it has read "open a card easily" with a working Get your card button since at least May 2025, and the iOS app shipped v2.3.6 on 17 July 2026. The card is orderable. Whether you should order it is a separate question.
YPT's own fee page charges 1% on USD spend and 2.2% on anything non-USD, so the cross-border spending this card markets itself for costs more than double the headline rate. Small amounts get nickel-and-dimed as well: transactions under $1 cost $0.20 each after five a month, declines cost $0.50 after three. Single transactions cap at $100,000 and daily spend is uncapped, which is unusual. No cashback, no yield.
The bigger problem is disclosure. YPT says the card is launched jointly by YPT.COM Company and RedotPay, but no issuer or sponsor bank is named, and YPT publishes no cardholder terms at all: its terms, user agreement, and privacy pages all return 404. Play Store reviewers allege funds loaded and never returned. Japan, Singapore, Australia, Bulgaria, Cambodia, Kenya, Armenia, Jordan and Namibia are not accepted as billing addresses.
- Best fit
- high-ticket USD spenders who want a large single-charge ceiling and no annual fee
- Wrong card if
- you spend in non-USD currencies, or if you want the entity holding your money on record before you fund it
Common questions about the YPT Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
What are the fees for the YPT Card?
Is the YPT Card legit, and who is behind it?
Is the YPT Card worth it?
Where is the YPT Card available?
What cryptocurrencies does the YPT Card support?
What are the YPT Card's ATM and spending limits?
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