Spend in
a new light.
A virtual USD card funded with crypto.
Use it on the web or right inside Telegram.
$12 to issue. Includes $5 on your new card.
Unlockd is not a bank. Cards are issued by a licensed partner institution, whose cardholder terms apply.
USD
Fund with crypto
- USDT
- USDC
- BTC
- ETH
- LTC
- XMR
Every deposit lands as USDT on your balance.
Spend in USD
- Apple Pay
- Google Pay
- Online checkout
Wallets where supported. Eligible merchants.
Everything
in one place.
Your wallet, your cards and their codes, on the web and in Telegram.
Your own USDT wallet
Pay a deposit in USDT, USDC, BTC, ETH, LTC and XMR. It lands as USDT on your balance.
Issue a virtual USD card
$12 to issue, with $5 of it on the new card. You see the price before you confirm.
Load in US dollars
Choose what the card receives and see what your balance pays before you confirm.
Card details when you need them
Number, expiry and security code in a secure view. Unlockd never stores them.
Purchase codes in Telegram
One-time and 3-D Secure codes appear on the card and, once alerts are on, in your private Telegram chat.
Freeze and unfreeze
Stop new purchases from the card screen, and turn the card back on when you’re ready.
Apple Pay and Google Pay
Add your card to your phone’s wallet where supported.
See the app
before you start.
The same screens on the website and in the Telegram Mini App.
Your balance and cards 
Load, details and freeze in place 
Purchase codes on the card
App preview with example data.
Three steps
to your card.
Create your account
Sign up with Telegram or with an email address. One is enough.
Add crypto
Pay a deposit in the coin you hold. It lands as USDT on your balance, with any fees shown before you pay.
Issue your card and spend
Confirm the price and your card is issued while you watch. Load it whenever you need to.
A clear view
of every cost.
Keep the numbers in focus before you fund your card.
- Card issuance
- $12
- Includes $5 starting balance
- Card load fee
- 4%
- Pricing version 2026-11-whole-cents
- Authorization attempt
- $0.30
- Every attempt, including declines
USD card currency · EUR FX conversion: 1% · Country and merchant restrictions apply.
Estimate a card load
Your next move,
in perspective.
Top up from $10 to $5,000.
Your spending limits are defined before you begin.
- Per transaction
- $30,000
- Per day
- $200,000
- Per month
- $1,000,000
Before
you start.
Short answers here; the full detail is in Help.
What can I fund my balance with?
You can pay a deposit in USDT (on Tron, Ethereum or BNB Smart Chain), USDC, BTC, ETH, LTC and XMR. Every deposit lands as USDT on your Unlockd balance.
The deposit screen shows any network or service fees, added on top, before you pay.
More in HelpDo I need both Telegram and an email address?
No. A verified email and password, or Telegram, is enough on its own. You can add the other method later from your security settings.
If you use Telegram only, Unlockd does not ask you for an email address.
More in HelpWhat does it cost?
A card costs $12 to issue, and $5 of that is on the new card as its starting balance.
Each card load costs 4% of the amount loaded.
You always see the exact price as a quote before you confirm.
All fees and limitsWhere can I use the card?
It is a virtual USD card. Use it at eligible online merchants, or add it to Apple Pay or Google Pay where supported.
Some countries, territories and merchant categories are restricted, and no card is accepted everywhere.
Eligibility and restrictionsDoes it work with Apple Pay and Google Pay?
Yes, where your wallet, region and the card programme support it.
When you add the card, the card issuer may send a verification code. Unlockd shows it on your card screen and, once Telegram alerts are on, in your private chat with the Unlockd bot.
More in HelpHow do purchase codes reach me?
Some merchants ask for a one-time code from the card issuer. Open the card’s purchase checks in Unlockd to see it with its expiry. If you connected Telegram messages, the code is also sent to your private chat with the Unlockd bot.
Unlockd never sends purchase codes by email, and staff will never ask you for one.
More in HelpCan I see my card number?
Yes, on your own card screen when you ask: the number, expiry and security code are shown in the card provider’s secure view, or fetched for one minute after you confirm it’s you.
Unlockd does not store them, and support will never ask for them.
More in HelpCan I freeze or close a card?
You can freeze a card to stop new purchases and unfreeze it later.
Closing a card is not available in Unlockd yet.
More in HelpIs Unlockd a bank?
No. Your Unlockd balance is not a bank deposit, does not earn interest and is not covered by a deposit guarantee scheme.
Cards are issued by a licensed partner institution, whose cardholder terms apply to your use of the card.
Customer termsWhich countries are restricted?
You may not use Unlockd if you live in, are located in, or act for someone in one of 44 restricted countries and territories: Afghanistan, Albania, Angola, Belarus, Bosnia and Herzegovina, Myanmar, Burundi, Central African Republic, Cuba, North Korea, Democratic Republic of the Congo, Ethiopia, Eritrea, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Ivory Coast, Kosovo, Lebanon, Liberia, Libya, Macedonia, Mali, Nicaragua, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Serbia, Sierra Leone, Ukraine, Venezuela, Yemen, Zimbabwe, Abkhazia, Nagorno-Karabakh, Northern Cyprus, Sahrawi Arab Democratic Republic, Somaliland and South Ossetia.
Some merchant categories are restricted too.
Eligibility and restrictions