A small virtual card built around USDT on Tron, useful in Southeast Asia and not much further
Available in USRelopay is a payment card that you load with cryptocurrency and spend like an ordinary card at a shop or online. The product exists as a virtual card today and a physical card that the company says is “launching soon”, and it lives entirely inside a Telegram mini app rather than a regular banking app. That last detail shapes almost everything about it: signing up, paying, getting help and reaching support all run through the same chat interface.
I went through the company’s own pages, the cards page, the usage terms and the rates page, and I cross-checked what I could find elsewhere. What follows is what I found, what I could not find, and what it means if you are thinking of using Relopay yourself.
The conditions described here are current as of October 28, 2026.
Verdict
Relopay earns 6.0 out of 10 in my scoring. The score breaks down like this:
| Criterion | Mark | Why |
|---|---|---|
| Who can get it | 3 / 10 | Accounts only open in a “Supported Countries” list the app keeps; the published restricted list is long and includes the US, Canada and Hong Kong |
| Cost | 7 / 10 | Low fixed fees (US$3 to issue, US$0.20 per successful payment, US$0.50 if a payment is declined), but the actual crypto-to-fiat conversion rate is not published anywhere I could read |
| Top-up options | 8 / 10 | USDT on Tron is the documented route with a US$5 minimum, and the cards page mentions Bitcoin, USDT and “other cryptocurrencies” as well |
| Reliability and complaints | 7 / 10 | Real corporate entities behind it, card issued by a licensed Singapore payments company, and I found no user complaints, but transactions are marked final and non-disputable in the terms |
| Everyday use | 6 / 10 | The virtual card works with Apple Pay and Google Pay, but there is no physical card to use at an ATM yet, and several common merchant categories are blocked |
The card suits a fairly narrow reader. If you live in one of the countries Relopay actually opens accounts in, hold USDT on the Tron network already, are comfortable running your finances through a Telegram bot and want a simple virtual card for online or contactless spending, the product does what it claims at a low fixed cost. If you live in the United States, Canada or anywhere on the long restrictions list, or if you want a physical card, an ATM card or a card that behaves like a normal bank-issued debit product, you should look elsewhere.
Who Relopay will give the card to
This is the section to read first, because everything else depends on it.
Relopay only opens accounts for people in countries the company puts on a “Supported Countries” list inside its Telegram mini app. That list is not written out on the public website. From an earlier check, the countries that have been open are Vietnam, Thailand and Indonesia, with a waitlist for additional ones. The card itself, once you have it, is meant to work in 170-plus countries, but the right to *hold* an account is much narrower than the right to *spend* one.
The restrictions page goes further than the supported list. It bars citizens and residents of a long set of countries, including the United States, Canada, Hong Kong, the United Kingdom is not on this list but several other common jurisdictions are, and it names them country by country: American Samoa, Albania, Belarus, Bosnia and Herzegovina, Burundi, the Central African Republic, the Congo (both Republic and Democratic Republic), Cuba, Guam, Afghanistan, Iran, Iraq, Kosovo, Lebanon, Liberia, Libya, Montenegro, Myanmar, Nicaragua, the Northern Mariana Islands, North Korea, Puerto Rico, North Macedonia, Russia, Serbia, Somalia, South Sudan, Sudan, Syria, Ukraine, the US Virgin Islands, Venezuela, Yemen and Zimbabwe. Both citizens and residents are caught by the rules, and Belarus and Russia are explicitly excluded.
The practical effect is that if you are reading this from outside Southeast Asia, you are probably out of luck. There is no premium tier or extra verification that unlocks the US or Canada, and the waitlist for new countries is the only path the company offers.
The other baseline rules are conventional. You need to be at least 18 and have full legal capacity. Relopay says standard verification is required and runs KYC through Sumsub: you pick “All countries except USA” in the region selector, choose your country, upload an identity document and complete a selfie or camera check. The result, the company says, comes back in a few seconds. Proof of address is not mentioned. If the Sumsub check fails, there is no published appeals path.
How to sign up
The whole flow sits inside Telegram. There is no native iOS or Android app in the stores under Relopay’s name; the entry point is the @RelopayBot mini app.
In practice the steps are:
- Open the @RelopayBot in Telegram, choose the “All countries except USA” region and confirm your country of residence.
- Complete Sumsub identity verification: upload a passport or other accepted document and a live selfie.
- Once verified, top up at least US$5 in USDT on the Tron network (TRC20) to the deposit address the bot shows.
- Open the card section, choose a product, pay the issuance fee in USDT and add the card to Apple Pay or Google Pay if you want to spend it on a phone.
Three card products show up in the app today:
- Virtual card – 24 months validity, 3D-Secure, reloadable, denominated in US dollars. The cards page currently markets this as “most popular” and pairs it with a 0% top-up fee and a US$4,000 balance ceiling.
- Prepaid virtual card – 60 days validity, max balance US$1,000. The cards page lists a 0% spending fee for this one.
- Physical card – three years validity, advertised with a 1% USDT top-up fee. The cards page shows a “Launching soon” button rather than a buy button, and the company describes it as waiting for the next batch.
A network is not named in the public documents I could read; an earlier third-party note said Visa. If the network matters for your use case, that is a question to ask support before you pay the issuance fee.
Fees and what a payment actually costs
The costs section is short on a page and longer in practice, so let me lay out every published number, then walk through a few everyday payments.
| Fee or limit | Amount |
|---|---|
| Card issuance | US$3 |
| Annual fee | Free |
| Inactivity fee | Free |
| Cancellation fee | Free |
| Successful transaction | US$0.20 |
| Declined transaction | US$0.50 |
| Crypto-to-fiat conversion | Rate not published; charged at the moment of purchase |
| Non-USD payment conversion | Automatic, fee not stated |
| ATM withdrawal | “May include small charges” (amounts not stated) |
| Virtual plan top-up fee | 0% |
| Physical plan USDT top-up fee | 1% (not yet shipping) |
| Minimum top-up | US$5 via USDT (TRC20) |
| Virtual card max balance | US$4,000 (cards page) — usage terms say US$4,000 monthly spend |
| Prepaid card max balance | US$1,000 |
| Daily / monthly / per-transaction limits | Issuer may set them; specific numbers not stated |
Two points worth flagging. First, the conversion rate between your crypto and the US dollar (or whatever currency the merchant charges in) is not published as a percentage or spread. The usage terms simply say conversion fees apply at the time of purchase, and the cards page adds that the rate is calculated in USDT. Without a published spread you cannot predict the cost of a payment in advance; you only see the final number when you check the app. Second, the maximum balance and the maximum monthly spend for the virtual card disagree between the cards page (US$4,000 balance, US$50,000 monthly spend) and the usage terms (US$4,000 monthly spending). Treat the more restrictive figure as the operational limit until the company publishes a single source of truth.
To make this concrete, three everyday payments look like this:
- A US$20 coffee paid in USD with the virtual card. You pay US$0.20 in the fixed Relopay fee on top of the US$20. The merchant receives US$20 in USD. The unknown is what the USDT→USD conversion cost you on the way in, which depends on when you topped up and at what rate.
- A €25 online subscription paid from the same card. Relopay converts USDT to USD when you top up and then converts USD to EUR at payment time. The first conversion has no published spread, the second has no published fee and the fixed US$0.20 Relopay fee applies. If the merchant uses Address Verification Service and your card is foreign-issued, the payment can decline even though you have the balance, and a decline costs you US$0.50.
- A US$100 ATM withdrawal from the physical card when it ships. The Relopay side carries the 1% USDT top-up fee (US$1), the US$0.20 transaction fee, plus whatever the ATM operator charges in a market where Relopay has not published its own number. With the virtual card, ATM cash is not available at all.
Top up: how the card gets funded
The single documented top-up route is USDT on the Tron network (TRC20). The cards page also mentions Bitcoin, USDT and “other cryptocurrencies”, and an earlier check of the docs listed USDT, USDC, ETH, BTC, TON and BNB. In practice that means the front door is the TRC20 USDT address the bot shows you, with a US$5 minimum.
A few details that matter once you send the money:
- The minimum is US$5 and the top-up fee is 0% on the virtual plan and 1% on the future physical plan, both calculated in USDT. Fiat top-up is not stated; there is no bank transfer, card or wallet-to-wallet flow described on the pages I read.
- Coins are converted into the merchant’s local currency at the moment of payment, not when you top up. You hold USDT, the card balance is internally in USD, and the conversion to EUR, JPY or whatever happens at the till.
- The virtual plan’s terms say deposits are non-refundable and unused balances cannot be returned to the wallet. If the card expires after 24 months with money left on it, that money is gone. Account closure is different: funds are withdrawn within a “reasonable period” less fees, and unclaimed balances are kept for three years.
A practical warning: blockchain transfers are irreversible, and sending USDT on a network other than TRC20 to Relopay’s deposit address is a common way to lose money. The cards page says the network clearly, the bot repeats it, but I would still double-check the network before sending.
Paying with the card day to day
The virtual card behaves like a prepaid product: you load a USD balance from USDT, and the card spends that balance. It cannot overdraw. It supports Apple Pay and Google Pay for contactless and in-app payments, and adding it to either wallet uses a US$0 verification transaction that may carry a small fee and leave a negative balance in your account until the next top-up.
The cards page sets out a number of merchant categories the card will not work for, or where it carries an extra penalty. The blocked categories include gambling, dating, money transfers, quasi-cash, fuel and EV charging, telecoms, gift cards, brokerage and charity. Charity transactions are listed as attracting a 30% penalty of the transaction value with a US$5 minimum. These are issuer rules rather than legal ones, and other issuers pick different lists.
A few other day-to-day details are worth knowing:
- No cashback. The product pages do not mention any rewards, points or cashback scheme, and the terms do not describe one either.
- No app store ratings. The product is a Telegram mini app, so there are no App Store or Google Play reviews to read. If you are choosing between cards, this is one signal you will not get.
- 3D-Secure is on. Online card-not-present payments can be challenged with a one-time code or biometric. If your phone is your main device and it is locked, factor that into your use.
- Tokenisation, not the card number. Apple Pay and Google Pay replace your card number with a device-specific number, which is the safe way to use the card in a phone. Using the raw card number online is technically possible but exposes it.
What can go wrong
Reading the risks section, the issue is not so much known incidents as the structure of the product. I could not find any user reports, Reddit threads or Trustpilot entries specifically about Relopay: searches for “Relopay card review” or similar returned only companies with similar names, like RelayPay, Relay Payments and Lopay, and a Trustpilot page for Relopay itself does not exist. That is not the same as saying there are no problems; it is a gap in the public record, and I am flagging it as such.
The structural risks are clearer:
- Transactions are final. The usage terms say explicitly: “All Relopay Card transactions are final and may not be disputed, reversed, or cancelled”, except where the issuer or the law provides otherwise. A second clause pushes disputes about goods or services back to the customer and the merchant. There is no chargeback right in the standard flow, which is a real difference between this card and a regulated debit or credit card.
- Custodial balance. Your fiat balance is held by the card issuer, not by you. The crypto side stays in custody with the Relopay group until you top up, and from then on the USD balance is the issuer’s IOU. If the issuer has problems, that is where the loss lands.
- No freeze, no 2FA mentioned. The documentation does not describe an instant card-freeze button or two-factor authentication on the account. That is a security feature the usual banking app has and Relopay does not appear to publish.
- The corporate picture. Relopay is operated by 1507613 B.C. LTD in Canada (a FINTRAC-authorised payment services business) and RELOPAY PTE. LTD in Singapore (UEN 202514348M). The cards are issued by Xfers Pte. Ltd., and a third-party profile says Xfers holds a Major Payment Institution licence from the Monetary Authority of Singapore. That is a real licence and a real entity, but it is still a single issuer backing the whole product.
- Network and product risk. Crypto cards have a record of being closed. In 2018 Visa suspended WaveCrest, a European card issuer that supplied several crypto brands, and all WaveCrest-issued programmes were closed; in 2022 Visa terminated its global agreements with FTX and the FTX US debit card was wound down. The same dynamic can apply here: a single decision by the network or the issuer can stop loads, stop spending and then ask users to withdraw their balances within a window.
- Conversion risk. You top up in USDT and pay in USD or local currency. The conversion rate is not published, and the company describes it only as “calculated in USDT”. A bad rate on a US$500 payment is a US$5 to US$15 difference; on US$5,000 it can be a US$50 to US$150 difference.
Support runs through Telegram too: the @RelopaySupportBot, a Telegram channel, and X and Instagram accounts. There is no email, no phone, no web form on the pages I read.
What to take instead
Relopay is not the only card in this corner of the market, and three other products sit in a similar niche with different trade-offs.
| Card | Score | What it is | Where it differs from Relopay |
|---|---|---|---|
| Ape Wallet | 5.5 / 10 | Telegram-friendly virtual Visa with a Russian focus, supporting SBP payments and Russian-passport KYC | Works wherever Visa is accepted and has no published country list, but fees and issuance prices are not published either, and promos change the cost |
| MaxSwap | 5.2 / 10 | Virtual Mastercard, USD-denominated, accepts a long list of cryptocurrencies | Top-up fee is 4.5% plus US$1, transaction fee US$0.25 plus 0.4%, and card issuance is US$50 plus a US$25 first deposit |
| AnoCard | 5.9 / 10 | Virtual cards from several BINs selected in a web dashboard | Country availability, fees and supported assets are not published on the page I read; the main site was down on the day of the check |
If Relopay’s country list excludes you, check which of these matches your situation. Ape Wallet is the closest in spirit and useful if you can complete its KYC, MaxSwap is the most expensive in published fees but takes the widest list of coins, and AnoCard is the least documented.
Two important caveats. The first is that the alternative scores come from the same set of sources and the same scoring approach, so the absolute numbers are not directly comparable to mainstream bank cards. The second is that the alternative facts are not all current: AnoCard’s main site was not loading on the day I checked, and MaxSwap’s fee structure is taken from a single set of pages. If you are about to commit money, read the source pages for the alternative you are considering before you top up.
Who I would recommend Relopay to
Putting all of the above together, here is the reader I think Relopay actually fits, and the reader it does not.
Relopay makes sense for you if:
- You live in one of the supported countries (the app’s list, which has so far been centred on Vietnam, Thailand and Indonesia) and are not a citizen or resident of any of the barred countries.
- You already hold USDT on Tron and want a simple way to spend it online or by phone without going through a centralised exchange first.
- You are comfortable running your main banking relationship through a Telegram bot, and you are happy to trust the issuer with a custodial USD balance.
- Your use case is small, regular online or contactless payments, not large lump sums and not cash.
Relopay is not a good fit if:
- You live in the United States, Canada, Hong Kong, the United Kingdom if it is added to the restrictions list in future, or any of the long list of countries the restrictions page names.
- You need a physical card to use at a point-of-sale terminal or an ATM today. The “Launching soon” button is not the same as a card in your wallet.
- You need a card with chargeback rights. The terms mark transactions as final and non-disputable, which is materially different from a regulated debit or credit card.
- You want to know the spread on the crypto-to-fiat conversion before you pay. That number is not published.
- You want a card issued by a major global bank with a long public track record. Relopay is a small product from a small set of companies, even if the issuer, Xfers, holds a real Singapore payments licence.
In the wider market, Relopay is closer to a “first crypto card” for someone already in the Telegram and USDT-on-Tron ecosystem than to a general-purpose payment card. If that is you, the costs are low and the experience looks straightforward. If it is not you, one of the alternatives above, or a mainstream debit card funded by selling crypto on a regulated exchange, will suit you better.
Frequently asked questions
What is the Relopay card?
Relopay is a prepaid virtual card denominated in US dollars, topped up with USDT on the Tron network and used for online and contactless payments through Apple Pay or Google Pay. A physical card is described as launching soon but is not shipping at the time of writing.
How does the Relopay card work?
You send USDT to a TRC20 address the Telegram bot shows you, Relopay credits your card balance in USD, and the card spends that balance. The merchant receives a normal card payment; the conversion between USDT and USD happens inside Relopay at the moment of purchase, and any non-USD payment is converted again automatically.
Is Relopay a bank?
No. Relopay is operated by 1507613 B.C. LTD in Canada and RELOPAY PTE. LTD in Singapore, and the cards themselves are issued by Xfers Pte. Ltd., a Singapore-licensed payments company. None of these entities is a bank, and the balance you hold on the card is a custodial e-money balance, not a bank deposit.
Who owns Relopay?
Relopay is the consumer brand of the two companies named above. The card programme is run by Xfers Pte. Ltd. as issuer. A third-party profile says Xfers holds a Major Payment Institution licence from the Monetary Authority of Singapore, but that detail is from an external source rather than Relopay’s own pages.
Is the Relopay card available in my country?
Account opening is limited to the “Supported Countries” list inside the Telegram app. The cards themselves are advertised as working in more than 170 countries. Citizens or residents of the United States, Canada, Hong Kong, Russia, Belarus and numerous other jurisdictions are barred from holding an account.
How do I apply for the Relopay card?
Open @RelopayBot in Telegram, choose the region “All countries except USA”, pick your country, complete Sumsub identity verification with an ID document and a selfie, then top up at least US$5 in USDT on the Tron network and pay the US$3 issuance fee for the virtual card.
Does the Relopay card require KYC?
Yes. Sumsub runs a standard KYC check on every account, including a sanctions screen. There is no anonymous option, no prepaid card without verification, and the usage terms are clear that verification is a precondition to holding a card.
How do I top up the Relopay card?
Send USDT on the TRC20 network to the deposit address the bot shows you, with a US$5 minimum. The cards page also lists Bitcoin, USDT and “other cryptocurrencies” as top-up options, but the documented, working route today is TRC20 USDT.
How do I add the Relopay card to Apple Wallet or Google Pay?
After the virtual card is issued, open it in the Relopay bot and follow the prompt to add it to Apple Pay or Google Pay. The wallet setup uses a US$0 verification transaction that can leave a small negative balance until your next top-up, and the fixed US$0.20 transaction fee may apply.
Is the Relopay card safe?
It uses 3D-Secure, tokenisation through Apple Pay and Google Pay, and a real licensed issuer, which is the right baseline. The risks are structural: transactions are final and non-disputable, the USD balance is custodial, the published security features (instant freeze, 2FA) are not described on the public pages, and crypto cards have a history of being closed by their network or issuer with little notice.
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