Visa
dtcpay Card
3.9/10Overall Score
Card Mode
--
Card Type
Debit
Mobile Payments
--
About the Project
Fees & Rules
Card Guide
Overview
dtcpay is the payments brand of Digital Treasures Center Pte Ltd, a Singapore institution holding a Major Payment Institution licence from the Monetary Authority of Singapore (PS20200531), with registered entities in Hong Kong, Australia, the US and Canada. The card is a Visa debit, with an instantly issued virtual card, a physical option and a metal Visa Infinite edition on a waitlist. It is funded with fiat or stablecoins, which convert to fiat at the live rate when a payment is authorised.
| Item | Details |
|---|---|
| Formats: | an instantly issued virtual card, a physical card, and a metal Visa Infinite by invite and waitlist. |
| Tiers: | the Everyday card and Visa Infinite, the latter aimed at high-net-worth users with travel privileges and concierge service. |
| Funding: | fiat or stablecoins such as USDT and USDC, with real-time conversion. |
| Use cases: | local and cross-border spending from Singapore, multi-currency settlement and ATM withdrawals. |
Benefits
| Item | Details |
|---|---|
| Multi-currency: | settlement in several currencies for international spending and ATM withdrawals, avoiding a second conversion. |
| Visa Infinite benefits: | travel and lifestyle privileges, a 24-hour concierge and a higher acceptance tier. |
| Cost structure: | no issuance or annual fee, and no FX markup according to the issuer. |
| Business use: | the same platform covers acquiring, multi-currency conversion and batch payouts for merchants with cross-border flows. |
| Regulation: | a MAS Major Payment Institution licence, with client funds segregated as the licence requires. |
Fees
| Item | Details |
|---|---|
| Issuance: | free. |
| Annual and monthly fees: | none. |
| FX: | no markup according to the issuer, with cross-border transactions settled at the network rate. |
| Funding: | stablecoin or fiat top-ups at the platform's live quote. |
| ATM: | a flat fee per withdrawal plus any local operator surcharge. |
| Other: | the metal Visa Infinite is issued by invitation, with pricing set per invitation. |
Availability
| Item | Details |
|---|---|
| Supported: | Singapore is the primary market, with registered entities in Hong Kong, Australia, the US and Canada. |
| Acceptance: | more than 150 million Visa merchants in 220 countries and territories, with ATM withdrawals. |
| Not supported: | 58 countries and territories including mainland China, the US, Japan, South Korea, Malaysia, Thailand, the Philippines, Indonesia, Vietnam, India, Turkey, Israel, the UAE and Russia. |
| Onboarding: | full KYC with document and proof of address, for Singapore residents or compliant businesses. |
| ATM limits: | about USD 10,000 a day per card in Singapore, with local rules elsewhere. |
| Compliance: | digital payment token services run under Singapore's Payment Services Act, and restricted markets cannot open accounts. |
