Visa

MiniPay Card

5.2/10Overall Score

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Phone-number-based self-custodial stablecoin wallet on Celo

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Card Mode

Card Type

Debit

Mobile Payments

Google PaySupportedApple PaySupported

Spend Top-up

Payment Activity

No data available

About the Project

The MiniPay Card is a digital-first Visa debit card built into Opera's self-custodial MiniPay Wallet on the Celo blockchain. MiniPay enables users to send and receive stablecoins such as USDT, USDC, and cUSD with extremely low fees, using phone numbers as addresses. It includes a built-in Mini App browser, allowing users to interact with decentralized applications without leaving the wallet. The core mechanism maps phone numbers to wallet addresses and injects an Ethereum provider for seamless DApp interaction.

Fees & Rules

01Getting Started

Virtual Card Application: $0

02Spending & Conversion

Base Transaction Fee: 0%
Top-ups Fee: 0%

03Rewards

Cashback: 5%

Recent News

2026-06-23MiniPay launches Visa debit card to connect stablecoin users in emerging markets to global spending 2026-02-03Tether expands support for USDT and XAUT in Opera's MiniPay wallet 2026-02-02Tether and Opera Expand Financial Access in Emerging Markets Through MiniPay 2025-11-20MiniPay connects stablecoins to real time payment in Latin America: rolls out PIX, Mercado Pago support at DevConnect 2023-09-13Opera Launches MiniPay, a New Stablecoin Wallet Built on the Celo Blockchain, to Onboard Millions of Users Across Africa to Web3

Card Guide

Overview

MiniPay is Opera's stablecoin wallet on Celo, with more than 20 million activated wallets. The MiniPay Card is a virtual Visa debit card launched in June 2026, issued by Monavate in the UK and its Lithuanian entity, with Gnosis Pay as programme manager and technical provider. It has no separate balance: purchases debit USDT, USDC or mUSD straight from the MiniPay wallet and are signed by the user, so MiniPay never holds the funds.

Item	Details
Card form:	virtual only, with no plastic, supported in Apple Pay and Google Pay.
Tiers:	a single tier with no issuance or monthly fee.
Funding:	spend USDT, USDC or mUSD from the wallet, or top up in local currency across more than 60 countries.
Use cases:	online and in-store Visa acceptance and subscription billing.

Benefits

Item	Details
Cashback:	up to 5% on eligible purchases, paid in USDC in the EEA and in Tether Gold (XAUt0) elsewhere.
Cashback cap:	USD 100 a month, credited 30 to 60 days after the transaction confirms.
Yield:	wallet balances can join Hold & Earn, paying up to 2% a week.
Local rails:	OPay in Nigeria and M-Pesa in Kenya allow local-currency funding and withdrawal.
Exclusions:	ATM, transfers, gambling, insurance, utilities, government and tax payments and gift cards earn nothing.

Fees

Item	Details
Issuance:	free. Monthly and annual fees: zero.
Spend fee:	none.
Wallet funding:	0% on stablecoin deposits.
Virtual account funding:	USD 1 plus 1% per USD deposit and EUR 1 plus 1% per EUR deposit.
FX:	no markup from MiniPay, with conversion at the Visa rate.

Availability

Item	Details
Supported:	selected markets in the EEA, Africa, Latin America and Southeast Asia, released in waves from a waitlist; Nigeria and Kenya are confirmed.
Not supported:	the United States is outside the service area.
Onboarding:	18 or over, with a document, a selfie and proof of address; some markets also require phone verification.
Access:	early-stage rollout, with an email waitlist on the website.