Specifications
| Card network | Visa |
|---|---|
| Provider | Karta.io / Banco Popular de Puerto Rico |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | USD |
| Available in | Most major regions (varies by Karta Personal vs Business) |
| Supported chains | TRON, Polygon, Base, Arbitrum, Ethereum (8 networks) |
| Supported assets | USDT, USDC |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | Free or not disclosed |
| Top-up fee | 0% |
| Cashback | None |
| Daily spend limit | — |
| Monthly spend limit | — |
| Last verified | 2026-04-30 |
What to watch out for
MPC-powered non-custodial wallet; 0% commission top-up; instant Visa virtual issuance (5 minutes); built-in IBAN; Karta AI financial assistant; B2B-first then expanded to consumer (Karta Personal launched Aug 2025); supports USD/EUR/AED conversion; Telegram-native "Send Money like a Message"
Editorial notes
Karat token cashback is platform points (1 USDT = 100 Karat); 0.5% deposit fee for stablecoin top-ups; supports BIN codes from USA; 3.5% top-up commission for non-stablecoin; physical card coming soon (still virtual-first); Karta Pro for businesses gets 1% on eligible MCCs; partnerships with Banco Popular de Puerto Rico (FDIC-insured Visa issuer)
Frequently asked questions
Where is the Karta available?
As of 2026-04-30, Karta is available to residents of United States, United Kingdom, European Economic Area, Canada, Latin America, and Asia-Pacific. Specific country list: Most major regions (varies by Karta Personal vs Business).
What are the fees on the Karta?
Karta has no issuance fee, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Does Karta hold my crypto?
Yes. Karta is a pre-funded card — you transfer crypto or stablecoins to a balance held by the provider, and the card spends from that balance. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently — confirm with the issuer before signing up. See our methodology for how we collect and verify this data.