USDT card: spend Tether with a virtual USD card
A USDT card lets you spend Tether at online merchants that accept US dollar cards. Unlockd holds your balance in USDT and loads a virtual USD prepaid card from it after a disclosed quote.
What is a USDT card?
A USDT card is a payment card funded from Tether (USDT) rather than from a bank account. With Unlockd, your USDT sits in a balance inside your account, and the card itself holds US dollars. Each issuance or load starts with a quote that converts the amount you accept into US dollars on the card. People also search for a USDT debit card, a stablecoin card or a Tether card; this one is prepaid rather than linked to a bank.
The card is virtual. There is no physical card, and the card is not a bank account. The same account works on the website and in the Telegram Mini App. For the difference between prepaid and debit, read the prepaid crypto card page.
How does USDT become US dollars on the card?
Your USDT becomes US dollars through a quote that you accept before anything moves. The quote shows the USDT that will leave your balance, the conversion applied and the load fee. The US dollar figure in the quote is what the card receives. The quote is a fixed snapshot, so what you accept is what is charged.
The worked example below uses the current published tariff. Your own quote shows the figures for your amount.
- Card receives
- 100.00USD
- In USDT1 USD ≈ 1.011 USDT
- 101.10USDT
- Top-up fee (4.00%)
- 4.05USDT
Live estimate, rate checked 9 Nov 2026, 15:29 UTC. Your quote in the app is exact and valid for a short time.
Why is the card in US dollars?
The card is in US dollars because USDT is designed to track the US dollar, so a USD card keeps the conversion to one visible step. Purchases billed in US dollars need no currency conversion. When a merchant charges in another currency, the amount is converted to US dollars, and the published fees list any conversion fee that applies.
What can you pay for with a USDT card?
You can pay for online purchases in allowed merchant categories at merchants that accept US dollar cards. Typical uses include:
- Software, cloud and app store subscriptions billed in US dollars.
- Online shopping at merchants that accept US dollar cards.
- Digital services, online courses and streaming plans.
- Online travel bookings, with any conversion fee from the published fees when the merchant charges in another currency.
Some merchant categories are not allowed, and a purchase in one of them is declined. A declined attempt does not spend the purchase amount, but each attempt, including a decline, carries the authorization fee listed on the fees page. In-store payments depend on Apple Pay or Google Pay, which work where supported. How to spend USDT walks through a first purchase.
USDT card requirements and eligibility
To get a USDT card you need an Unlockd account with a verified contact email, a card name you choose, and enough USDT to cover the quote you accept. You sign in with Telegram or with a verified email and password; one is enough and both are never required. Some countries and territories cannot be served; the current list is on the eligibility page.
What are the USDT card limits?
The limits are the minimum and maximum load set by the published tariff, plus the balance on the card itself, since a prepaid card cannot spend more than it holds. There is no overdraft and no credit line. The summary below comes from the current tariff, and the full table is on the fees page.
- Card issuance
- $12
- Includes $5 starting balance on the new card
- Card load fee
- 4%
- Of each load amount, added to what you pay
- Authorization attempt
- $0.30
- Every attempt, including declines
- EUR FX conversion
- 1%
- Applies to EUR purchases on the USD card
- Card loads
- $10 to $5,000
- Per load, in US dollars
Pricing version 2026-11-whole-cents. Every card purchase and load shows an exact USDT quote before you confirm it. All fees and limits
How to spend USDT with the card
- Create an account
Sign in with Telegram or a verified email and password, on the website or in the Mini App. A card needs a verified contact email on your account.
- Deposit USDT
Send USDT on the network shown in your payment request, or pay with another coin listed on the deposit screen. Funding help shows the screen.
- Accept the issuance quote
The quote shows the issuance price, the starting balance included with the card, the conversion and the fee. The status screen shows real progress, and the card is usually ready within minutes.
- Load and spend
Choose a US dollar amount, accept the load quote, then pay online merchants that accept US dollar cards. Approve purchase checks with a one-time code or in the app when asked.
- USDTTether USDon Tron (TRC-20), Ethereum (ERC-20) or BNB Smart Chain (BEP-20)
- USDCUSD Coinon Ethereum (ERC-20)
- BTCBitcoinon Bitcoin
- ETHEtheron Ethereum
- LTCLitecoinon Litecoin
- XMRMoneroon Monero
Every deposit lands as USDT on your balance. The deposit screen shows any network or service fees before you pay. Send only the coin you chose, on the network shown in your payment request.
What is not supported?
Bank payouts, withdrawing crypto back out of the balance, ATM cash withdrawal and physical cards are not available. Apple Pay and Google Pay work only where supported.
The balance can only be spent on Unlockd cards. If you pay a deposit in another listed coin, the payment processor converts it, and every deposit is credited with the USDT actually settled, after network and processing fees. Unlockd adds no deposit fee of its own. Send only the asset you chose, on the network shown in your payment request. A payment in another asset or on another network cannot be recovered. The processor screens incoming payments, and a flagged payment can be held.
Frequently asked questions
Can I transfer USDT to my bank account?
Not with Unlockd. Unlockd loads a prepaid card from your USDT balance; it does not pay out to bank accounts or send crypto back out.
If you need money in a bank account, you need a different service.
Is USDT safe for payment?
USDT is a stablecoin issued by Tether and designed to track the US dollar, and its issuer publishes information about tokens in circulation and its reserves. Unlockd does not issue USDT and makes no promise about its value.
Once you accept a load quote, the card holds US dollars, so a later change in the USDT price does not change the card balance.
Is USDT allowed in the USA?
Rules vary by country, and this is not legal advice. In the United States, a federal law to regulate payment stablecoins, the GENIUS Act (S. 1582), was signed on July 18, 2025.
What you may hold or spend depends on the rules in force where you live, so confirm with a professional in your country. Whether you can open an Unlockd account is set by the eligibility page.
How much is 100 USDT in USD?
The card receives the US dollar amount shown in your quote, after the disclosed conversion and the load fee, so the figure is not one-to-one.
The worked example above shows a sample load from the current tariff, and your own quote shows the exact amount before you accept.
What networks can I deposit on?
You can deposit on the networks listed on the deposit screen, and USDT is offered on more than one of them. The list can change, so check it each time you deposit.
Send only the asset you chose, on the network shown in your payment request, because a payment in another asset or on another network cannot be recovered. Funding help shows where the network is displayed.
Is this a USDT Visa card or a USDT Mastercard?
It is a Visa card, in US dollars, for online merchants that accept Visa US dollar cards.
The crypto Visa card page explains what Visa does for the card.
Spend your USDT Your balance is held in USDT. Eligibility rules apply, and every quote is shown before you accept.