Crypto Card & Stablecoin Account — for Individuals and Businesses
Hold your money in stablecoin, spend it, and move it across borders — all from one Monvenience account. There are two ways in, depending on who you are: a simple personal account with a true crypto card for individuals, and an own-name, multicurrency account for businesses. Choose your path below.
For Individuals
Fund with USDT or USDC, spend with a crypto card that converts on the fly, and remit in USD or crypto.
See Individual AccountFor Corporates
Own-name multicurrency accounts, hold USD/USDC/USDT, and pay out worldwide by SWIFT or crypto.
See Business Account
A True Crypto Card & Personal Stablecoin Account
Open a personal account, fund it with stablecoin, and spend anywhere your card is accepted — while your balance stays in stablecoin until the moment you use it.
Fund your account with stablecoin
Transfer USDT or USDC into your account from any crypto wallet — simply scan the QR code to load your deposit address. Your balance is held in stablecoin, giving you a steady, USD-linked store of value that is ready to spend or send whenever you are.
Spend with a true crypto card
This is a genuine crypto card. When you pay, your crypto balance is converted on the fly, at the point of payment, into whatever currency you are spending. You spend directly from your stablecoin balance — no manual conversion, no off-ramping through an exchange first.
Remit in USD, or send crypto
When you want to move money out, you have two clean routes. Remit in USD via SWIFT to any bank account in the world, or send stablecoin (USDT or USDC) straight to any external crypto wallet. The choice is yours, every time.
Indicative Rates for Personal Crypto Cards:
Onboarding and Monthly Maintenance:
Onboarding charges including Per KYC : $ 4 (Per Attempt)
Monthly Maintenance Charges: $ 0.10
Card Issuance and Charges:
Virtual Card Issuance Charges: Free
Virtual Card Monthly Maintenance Charges: $ 0.10
FX & Loading Fees
FX Per transaction 2.5% on Visa rate Per transaction
FIAT/USDT (Tron), USDT (ETH) – Loading of wallet and card 1% Per transaction
Per Card Usage Transaction Fees
3DS transaction fee: $0.05 Per transaction
Low value transaction (<$1) : $0.20 Per transaction
Account Validation: $1.00 Per transaction
Reversal Fee : $0.75 Per transaction
Dispute Fee: $50.00 Per dispute
Looking for a USD account as well?
Alongside your crypto card, you can open a separate personal USD account and link it to your card — an easy way to load your card in USD, and to move funds from your card back into USD. It's a different product with its own terms and eligibility: once your crypto card account is open, apply for the USD account separately on its own page, from the link below:
Own-Name Multicurrency Accounts for Business
Give your business real, named local-currency accounts that your customers can pay into like any domestic bank account — on the right rails in each market, with SWIFT everywhere for cross-border.
Real local accounts, in your currency
Issue named, local-currency accounts your customers pay into like any domestic bank account — on the right rails in each market, with SWIFT everywhere for cross-border.
Named to your customer · auto-reconciled · more markets onboarding — ask your account manager.
Fund in USD, USDC or USDT
Fund your business account with USD, USDC or USDT. When you transfer USD in, it is automatically converted to a USD-linked stablecoin and held in your wallet — and because the stablecoin is pegged to the US dollar, there is no loss or change in value. Your treasury keeps one simple, USD-linked view of the balance.
Pay out as USD or as stablecoin
When you move money out, you choose the rail. Pay out as fiat USD via SWIFT to a bank account in 200+ countries, or send stablecoin (USDT or USDC) to any external crypto wallet. Conversion happens on the fly, at the point of transfer.
Onboard your own individuals
A business on the platform can also have its own individual users onboarded — for teams, contractors or customers — by sending a request to Monvenience.
Why Cross-Border Is Better Here
A traditional SWIFT wire and a stablecoin-backed payout are not the same experience. Here is the difference in plain terms.
| Traditional cross-border wire | Monvenience |
| Often 1–5 business days | Fast stablecoin settlement, converted at transfer |
| Intermediary fees at each hop | Transparent, single view of cost |
| Limited tracking and status | A single dashboard for your balance and transfers |
| Cut-off times and weekend delays | Move stablecoin any time |
Settlement, delivery times and fees for the final leg of any SWIFT payment depend on the receiving bank and correspondent network, and are outside Monvenience's control.
Eligibility & Restricted Jurisdictions
Accounts are opened fully online and are available to individuals and businesses worldwide, subject to identity (KYC) and anti-money-laundering (AML) verification.
Residents and citizens of India and the United States are not eligible for this product. In addition, residents of certain restricted jurisdictions cannot be served. Please review the full list before you sign up, so you can confirm your eligibility in advance.
View the Restricted Jurisdictions List
If your country of residence or citizenship appears on the restricted list, or is India or the United States, we are unable to open an account for you. Eligibility is confirmed during onboarding.
Frequently Asked Questions
How is the individual account funded?
Individuals fund the account with USDT or USDC transferred in from any crypto wallet, using a QR code to scan the deposit address. The balance is then held in stablecoin.
How does the crypto card work for individuals?
Individuals get a true crypto card. When you spend, your crypto balance is converted on the fly to whatever currency you are paying in, at the point of payment, so you can spend directly from your stablecoin balance.
How can individuals send money out?
Individuals can remit in USD via SWIFT to any bank account in the world, or send stablecoin (USDT or USDC) directly to any external crypto wallet.
What is different about the business account?
Businesses can fund with USD, USDC or USDT. USD paid in is automatically converted to a USD-linked stablecoin and held in the wallet, with no change in value. Businesses also get own-name, multicurrency local accounts (USD, AUD, GBP, EUR and more) that their own customers can pay into like a domestic bank account.
How do businesses pay out?
Businesses can pay out as fiat USD via SWIFT to 200+ countries, or send stablecoin (USDT or USDC) to any external crypto wallet. Conversion happens at the point of transfer.
Can a business onboard its own individual users?
Yes. A business can request that its own individuals be onboarded by sending a request to Monvenience.
Is the balance held as fiat or as stablecoin?
Balances are held in USD-linked stablecoin (USDC or USDT). Because these are pegged to the US dollar, there is no change in value on conversion. Conversion to fiat happens at the point of transfer or spend. Stablecoins are digital assets and are not the same as bank-safeguarded fiat.
Who is eligible to open an account?
Individuals and businesses can apply, subject to KYC and AML checks. Residents and citizens of India and the USA are not eligible, and residents of certain other restricted jurisdictions cannot be served. Please check the restricted jurisdictions list before signing up.
Ready to Get Started?
Open your Monvenience account online — personal or business — and start holding, spending and remitting from one place.
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