A Telegram mini-app crypto card priced at 50 USDT, with fees that can change and little published detail
Available in US
The AnyXPay card is a crypto payment card reached through a Telegram mini-app rather than an app store. It offers four card types on MasterCard and Visa networks, can be added to Apple Pay and Google Pay, and is funded with a long list of stablecoins across three blockchains. On paper it looks like a practical bridge from a crypto balance to everyday spending. The details behind that paper are thinner than the marketing suggests, and in several places the public pages simply say nothing. My score for it is 3.5 out of 10, and the reason comes down to three things: the service is written for Hong Kong residents only, the cost structure starts at 50 USDT per card plus a 4% top-up fee, and the terms let the operator freeze or close an account at any time without notice or compensation.
Who does that suit? Almost nobody outside Hong Kong. Who does it not suit? If you are anywhere else and are looking at this because an ordinary bank card is hard to get, the eligibility line in the terms is the first thing to read, and it is a closed door for most readers. This is a write-up of what the card’s own pages state, not a recommendation to open an account. I am not claiming to have used the card, and I have not sent money through it.
The conditions described here are current as of October 28, 2026. Where the card’s public pages are silent, I say so plainly rather than filling the gap with an assumption.
Verdict: a card built for a narrow audience, thin on disclosure
The score is 3.5 / 10. Let me show you where those points come from and where they do not.
| Criterion | Score | Why |
|---|---|---|
| Who can get it | 2 / 10 | Written for Hong Kong residents only; refusal possible in sanctioned jurisdictions; the card page lists no countries |
| Cost | 1 / 10 | 50 USDT per card, 4% top-up fee, fees may change without notice, and an acquirer markup may apply outside Hong Kong |
| Top-up options | 9 / 10 | USDT, USDC, USDR, USDQ, EURQ, XAUT, EurR, aUSDT over TRC-20, ERC-20 and BEP-20, plus bank-card top-up and P2P purchase |
| Reliability and complaints | 3 / 10 | Developer named as “CSB” under Hong Kong law, issuer and licences unnamed, terms allow freezing or closure without compensation, no independent reviews found |
| Everyday use | 5 / 10 | Four cards across MasterCard and Visa, Apple Pay and Google Pay support; virtual versus physical, card currency and ATM access not disclosed |
| Total | 3.5 / 10 | A strong funding list carried by weak eligibility, weak disclosure and weak recourse |
The audience the card is actually built for is narrow and specific: Hong Kong residents paying from a Telegram mini-app. That is not a criticism so much as a description. If you fall inside that description, the funding options are genuinely the best thing on this page, and the four card tiers give you real choices on limits. If you fall outside it, the rest of this review is mostly about why the door is closed.
The deeper problem is disclosure. A card you pay money into, whose terms reserve the right to freeze your balance at any moment, should tell you who issues it and under what licence. AnyXPay’s public pages, as far as I could find them, name a developer called “CSB”, say Hong Kong law governs the terms, and leave the registered address, the issuing bank and the licences unstated. That absence is not a minor gap. It is the whole question of who stands behind your money.
Will they give you the card?
Short answer: only if you are a Hong Kong resident, and possibly not even then if you sit in one of the named jurisdictions.
The terms say plainly that the services are intended only for residents of Hong Kong. That is the eligibility condition, written by the operator. Separately, the service may be refused for sanctioned jurisdictions, and the list names Belarus and Russia, along with Cuba, the DPRK, Iran, Syria, Venezuela and others, with an “etc.” attached, so treat the list as indicative rather than exhaustive. Nationality screening runs alongside residence screening in this industry generally, which means your citizenship and country of birth can matter independently of where you live.
One point of confusion worth clearing up, because it circulates widely: the card page itself lists no countries at all. Some secondary material describes the card as available in 200+ countries. I could not confirm that anywhere on the official site, so treat it as unofficial and unverified. The only eligibility statement I can point you to is the Hong Kong residency line in the terms.
So how do you read this as a person choosing a card? If you are a Hong Kong resident, the terms suggest you are in scope, subject to the screening. If you are anywhere else, the written scope excludes you, and no amount of crypto in your wallet changes that. The card does not advertise an international onboarding route, and I found no third-party site describing one that the operator confirms.
How to get it
The application path runs through Telegram, and the verification ladder is short on paper.
There is a Telegram mini-app at @anyxpay_bot and a web app at app.anyxpay.com. No App Store or Google Play listing was found, which tells you something about how the operator expects you to reach the product. Level 1 of verification needs an email address and a phone number. Only Visa Premium is marked as requiring KYC at signup.
The terms go further than the signup form. They require identification data and source-of-funds documents on request, though the procedure is not described. They also allow re-verification if your data has gone out of date, and they reserve the right to refuse access where data is false. Processing time and the specific grounds for rejection are not stated anywhere I could find.
Here is what that means in practice. You can begin with little more than an email and a phone, but “little more than” is not the same as “nothing”. A provider that can demand source-of-funds documents after the fact is telling you the relationship can be re-assessed later. Proof of address and age requirements are not stated, so I cannot tell you what will be asked at step two, only that something can be.
The four card products are MasterCard Basic, MasterCard Pro, Visa e-commerce and Visa Premium. The activation text also names “Mastercard Infinity”, which does not match the four products listed on the card page, so treat that as an inconsistency in the operator’s own text rather than a fifth option. Whether you receive a virtual card or a physical one is not stated. The card currency is not stated. Delivery, if a physical card exists, is not stated. These are not small omissions: the currency question determines what happens every time the card spends money in a shop that charges in something other than dollars.
Fees: what it really costs, payment by payment
The headline numbers are 50 USDT per card and 4% on each top-up. Everything else either varies or is not published.
| Item | What the card states |
|---|---|
| Card issuance | 50 USDT for each card |
| Monthly or annual fee | not stated |
| Top-up fee | 4% |
| Conversion fee outside Hong Kong | an acquirer conversion markup may apply, paid by you, no figure given |
| ATM withdrawal | not stated |
| Card currency | not stated |
| Fees changeable without notice | yes, the terms say so |
| Per transaction, daily, monthly limits | per card type, listed below |
| Card | Per transaction | Daily | Monthly |
|---|---|---|---|
| MasterCard Basic | $20,000 | $250,000 | $1,000,000 |
| MasterCard Pro | $50,000 | $250,000 | $1,000,000 |
| Visa e-commerce | $20,000 | unlimited | unlimited |
| Visa Premium | $200,000 | $200,000 | $6,000,000 |
Two everyday payments, so the arithmetic is concrete rather than abstract.
Buying a coffee for $5. You top up $20, the 4% fee takes $0.80, and $19.20 sits on the card. You spend $5. Your total cost for that coffee, including the top-up fee, is $5.80. The card adds nothing here; the top-up fee simply does not shrink with the size of the purchase. Someone spending $5 a day should think hard about whether this structure suits them at all.
Buying a $200 flight ticket. You top up $208.33, the 4% fee takes about $8.33, and the card covers the ticket. Your effective cost for a $200 purchase is $208.33. Now add the acquirer conversion markup. The terms say card payments outside Hong Kong may carry a markup, paid by you, with no figure attached, so I cannot tell you what this particular ticket will cost you. The 4% is the part I can show you; the markup is the part you have to accept as unknown.
All four cards cost the same 50 USDT and the same 4% top-up. The difference between them is the limits table, and Visa Premium is the one that additionally requires KYC. The card paying the highest limits is also the one asking for the most identity checking.
Top up: how the money gets in
The funding options are the strongest part of this card, and the one place where the disclosure is genuinely good.
Direct top-up accepts USDT, USDC, USDR, USDQ, EURQ, XAUT, EurR and aUSDT over the TRC-20, ERC-20 and BEP-20 networks. Bank-card top-up and P2P purchase are also offered.
The fees here need laying out in order, because they stack. The 4% card top-up fee applies. Blockchain network fees are paid separately by you. Fiat routes through a bank card or P2P carry fees that are not stated. The minimum top-up is not stated.
One network detail deserves a warning, because it is the kind of mistake that costs real money. Circle stopped supporting USDC on Tron in February 2024, so “USDC over TRC20” is not a native option even though the card’s list includes USDC alongside the TRC-20 network. And blockchain transfers are irreversible: a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost or need manual support recovery with no guarantee. If you are topping up from an exchange, check the withdrawal network against the card’s supported list before you send, not after.
On getting money back out: withdrawal from the Wallet is possible, minus the network fee. Withdrawal from the Card account is not possible. Paid fees are not refunded. That asymmetry is worth sitting with. In one direction your crypto can move; in the other direction, the card balance is where it stays.
Paying with it every day
Adding the card to Apple Pay and Google Pay is supported, and blocked merchant categories are not stated.
This is the section where the card is at its most ordinary and most vague. You get two card networks, four products and two mobile wallets, which is a reasonable surface for daily spending. You do not get told whether the card is virtual or physical, what currency it holds, whether it works at an ATM, or which merchant categories are refused. Four facts, all unpublished, all of which affect whether the card works in the specific shop you are standing in.
There is a referral programme, described on the AnyXPay website, and no cashback is stated.
Disputes have a defined path but a hard edge. Negotiation comes first, then mediation or HKIAC arbitration in English. Claims on transactions must be filed within the deadline set by the rules, otherwise the right is lost. The chargeback process itself is not described. For comparison with the general rules in this space: a chargeback is a refund ordered by the card issuer to settle a dispute, with reason codes such as fraud, duplicate billing or goods not received, and prepaid-card coverage varies by jurisdiction and should not be assumed. Here, the arbitration route exists on paper and the practical route is undocumented.
What can go wrong
The risk profile has four parts, and the first is the largest.
The account can be frozen or closed at any time, without notice and without compensation. That sentence is in the terms. There is no stated notice period, no stated appeal route and no stated compensation. You should read this before you deposit anything you cannot afford to lose access to for a period.
Nobody is clearly accountable. The developer is named as “CSB”, operating through the Telegram mini-app. The terms are governed by Hong Kong law. The registered address is not stated, the issuing bank is not stated and the licences are not stated. When the money is in someone else’s balance and you do not know the issuer or the licence, your recourse is theoretical.
The custody description contradicts itself. The site calls itself an open-source non-custodial Telegram wallet. The terms say the wallet is custodial and “not a banking service”. Those are different products with different risk profiles, and the official pages contain both claims. You are responsible for your Telegram account and your trusted device. High-risk assets may be frozen. Whether 2FA and a card freeze exist is not stated. In the wider category, custodial platforms have a real record: Mt. Gox, with about US$350 million reported stolen between 2011 and 2014; Coincheck, about US$400 million in 2018; and Ronin Network, US$625 million in 2022. Those are industry illustrations, not claims about this operator, but they are what the custodial model carries.
There is no independent track record. No official incidents were found, and no independent user reviews for AnyXPay were found. No Trustpilot page was found. The site shows five self-published reviews from August and September 2025, unverified and user-reported, which is not the same as independent feedback. The terms were updated on 7 July 2026, and the blog carries card guides dated 5 May 2026 and 9 October 2025. No licence or fine events were found.
One point in the other direction, offered because it is fair: no negative events were found either. Absence of complaints from an almost invisible product is weak evidence, not reassurance. A card used by a small number of people generates few complaints regardless of how it is run.
Support is an in-app Support button, also present in a Hub tab. Hours are not stated. Support availability is not explicitly stated, so if you need help you should ask before you depend on it.
What to take instead
If your reason for looking at a crypto card is that a normal bank card is hard to get, these are the alternatives I looked at, with their own scores.
| Alternative | Score | Who | Card and cost | Fees and funding |
|---|---|---|---|---|
| AnyXPay | 3.5 / 10 | Hong Kong residents only | Four cards, 50 USDT each | 4% top-up; wide stablecoin list over TRC-20, ERC-20, BEP-20 |
| Telecard | 6.1 / 10 | Over 150 countries per the site; terms bar only those blocked or sanctioned by the US Government, including OFAC | Virtual Mastercard, instant, USD; $5 one-time standard, VIP $49 then $19/month, $99 minimum deposit stated as not a fee | 1.5% currency conversion, 0.5 USDT gas per successful transaction, FX and cross-border up to 3% each; USDT on TRC-20 or ERC-20, USDC on ERC-20 |
| Azul Card | 5.3 / 10 | Worldwide except Russia, Belarus, North Korea, Iran, Syria, Cuba, Sudan, Venezuela, Ukraine and Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson regions; restrictions apply regardless of nationality | Virtual only, USD balance; $20 creation refunded after $2,000 in spending, $5 monthly | 4% crypto top-up, $0.25 per transaction, FX fee not stated; top-up via Telegram, first up to 10 minutes then 1 to 5 minutes |
| OnCards | 4.6 / 10 | not stated | Virtual Mastercard or Visa in Telegram, network not fixed; fees not stated despite the site claiming no hidden charges | “Fund your card using USDT BEP20”; bank transfers not accepted |
Read that table with the same scepticism I applied to AnyXPay. Azul’s country list is long and the restrictions apply to everyone in those places regardless of nationality, which is a different approach from screening by citizenship. Telecard publishes the most complete fee schedule of the four, but its $99 minimum deposit, though stated as not a fee, is money you must put in before the card activates. OnCards publishes the least: no country list, no amounts, no fee figures.
None of these is a bank, and none should be read as one. What they are is different sets of trade-offs, with different amounts of disclosure.
Who I would recommend it to
I would recommend this card to almost no one, and I want to be precise about why rather than dramatic.
If you are a Hong Kong resident, you hold and use stablecoins on TRC-20, ERC-20 or BEP-20, you spend from Telegram anyway, and you have read the clause allowing the account to be frozen without compensation, then the funding breadth is a real advantage over narrower products and the card does what it says on that point. That is a coherent use.
If you are outside Hong Kong, the terms put you out of scope, and I would not spend time on it. If you are inside Hong Kong but your priority is knowing exactly who holds your money, the absence of a named issuer, address and licence is disqualifying on its own. If your priority is cheap everyday spending, 4% per top-up is a high floor, and Visa Premium, the only KYC-marked card, is the most expensive to qualify for. And if you are drawn by the “non-custodial” claim on the site, read the custodial line in the terms before you deposit anything.
Frequently asked questions
What is the AnyXPay card?
It is a crypto payment card operated through a Telegram mini-app at @anyxpay_bot, with a web app as well, and no app store listing. It offers four cards on MasterCard and Visa networks that draw on a balance you load with stablecoins. It is a payment product, not a bank account, and the terms describe the wallet as custodial and “not a banking service”.
How does the AnyXPay card work?
You top up a balance with stablecoins or fiat, and the card spends that stored balance, much like a prepaid card rather than a debit card tied to a bank account. Because the model is pre-loaded balance, the card cannot overdraw. Add the card to Apple Pay or Google Pay and pay in stores or online. Card currency is not stated, so what happens with non-dollar payments depends on conversion.
Is AnyXPay a bank?
No. The developer is named as “CSB” and the terms are governed by Hong Kong law, but the issuing bank and the licences are not stated. The site calls itself an open-source non-custodial Telegram wallet while the terms call the wallet custodial and “not a banking service”. Under the card model in general, the network routes payments and the licensed issuer holds the programme.
Who owns AnyXPay?
The public pages name the developer as “CSB” and describe a Telegram mini-app as the operating channel. The registered address is not stated and no licence is named. I found no independent reviews and no Trustpilot page, so ownership is documented only to the extent of that single developer name.
Is the AnyXPay card available in my country?
The terms say the services are intended only for residents of Hong Kong, with refusal possible in sanctioned jurisdictions naming Belarus and Russia among others. The card page itself lists no countries, and the widely repeated “200+ countries” claim is not confirmed on the site. If you are not a Hong Kong resident, the written scope excludes you.
How do I get an AnyXPay card?
You start in the Telegram mini-app or the web app. Level 1 needs an email address and a phone number; only Visa Premium is marked as requiring KYC. The terms can require identification and source-of-funds documents later, though the procedure is not described. Whether the card is virtual or physical, and how it is delivered, is not stated.
How much does the AnyXPay card cost?
Each card costs 50 USDT. Topping up costs 4%. A monthly or annual fee is not stated, nor is the ATM cost or the card currency. Payments outside Hong Kong may carry an acquirer conversion markup paid by you, with no figure given, and the terms say fees can change without notice. All four card products share the 50 USDT price.
What are the AnyXPay card limits?
They depend on the card. MasterCard Basic allows $20,000 per transaction, $250,000 daily and $1,000,000 monthly. MasterCard Pro allows $50,000 per transaction with the same daily and monthly limits. Visa e-commerce allows $20,000 per transaction with daily and monthly unlimited. Visa Premium allows $200,000 per transaction, $200,000 daily and $6,000,000 monthly, and it is the only card marked as requiring KYC.
How do I top up the AnyXPay card?
You can send USDT, USDC, USDR, USDQ, EURQ, XAUT, EurR or aUSDT over the TRC-20, ERC-20 or BEP-20 network, or top up by bank card or buy peer-to-peer. The card top-up fee is 4%, blockchain fees are paid separately by you, and fees on the fiat routes are not stated. Circle stopped supporting USDC on Tron in February 2024, and transfers are irreversible, so check the network before sending.
Is the AnyXPay card safe?
I cannot call it safe, because the terms allow the account to be frozen or closed at any time without notice or compensation, and the issuer, address and licences are not stated. The official pages contradict each other on whether the wallet is custodial. No independent reviews and no Trustpilot page were found, and only five self-published reviews appear on the site. You would be depositing into a custodial balance described as not a banking service.
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