Virtual Visa card

Wealify cards are virtual Visa cards issued by Wealify that let you top up a virtual card with the stablecoin balance in your Wealify wallet and pay on international websites. You can use the card to shop online, pay for subscriptions, run ads, or add it to your phone wallet for contactless payments.

How it works:

1. Top up USDT / USDC to the Stablecoin wallet in your Wealify wallet — via the Tron, Solana or Ethereum network.

2. Create a card and transfer money from your Wealify wallet to the card.

3. Use the card to pay.

Cards share the same account and verification result as Global Account. If you already have a verified Wealify account, you don't need to sign up or verify again.

General spending card (Volcano) and Advertising card (Zenith) — which to choose

In the app, the two card types appear under their own names: the General spending card is Volcano and the Advertising card is Zenith.

Wealify cards are virtual Visa cards — number only, for online payments, and can be added to a phone wallet. Ready to use as soon as they're created. When creating a card, you choose 1 of 2 purposes:

⚠️ NOTE:

Some payment pages or types of services may not accept the card, depending on the card issuer's policy and the site's own policy. So before topping up a large amount to pay on a new site, test it first in 3 steps:

1. Top up a small amount to the card.

2. Make a small transaction on that site.

3. If the transaction succeeds → top up more and make the large payment.

If the transaction is declined, see the article What to do when a transaction is declined (9.4.2).

Card limit by account tier

The number of cards you can open depends on your account tier. Your tier is shown at the bottom of the left menu and in Account information. See the table below. For other benefits of each tier, see the article Account tiers and benefits (chapter 5).

⚠️ CANCELLED CARDS STILL COUNT TOWARD YOUR CARD LIMIT

Once you reach the limit, the Create card button is locked. Your account tier goes up automatically based on the total amount you've successfully received into Global Account.

Requirements for creating a card

You must complete verification and provide valid information as required by Wealify's Legal team before a card can be issued. This applies to all card types. Requirements:

1. Your KYC application (personal account) / KYB application (business account) has the status Approved.

2. Your stablecoin balance in the Wealify wallet is enough for the issuance fee and the initial top-up.

3. No outstanding card fees.

4. You haven't reached your tier's maximum number of cards.

Notes:

• Verify once, use it for both Global Account and Cards. You don't need to do it again.

• Personal accounts must verify their phone number via Telegram before doing KYC.

• All applications are tracked in the Verification Center menu.

• Cards can't be issued in some countries / regions yet. If this happens during verification, please contact Wealify CS.

Your first General spending card needs additional verification

Your account's first General spending card needs one extra verification with the card issuing partner. General spending cards created afterward don't need to be verified again. Detailed steps:

1. On the card creation form, choose the General spending purpose. An Additional verification required box appears below. You don't need to fill in or upload any documents at this step — just click the button in the next step. While you wait, the Issue card button can't be clicked.

2. When you're ready to use the card, click Send verification request.

3. The Wealify team completes verification with the card issuing partner and lets you know the result by email / notification.

Create a virtual card

Steps:

1. Click Create card (on the Cards or Overview screen).

   

2. Choose the Card purpose: General spending (Volcano) or Advertising (Zenith). For your first General spending card, complete the additional verification first.

   

3. Fill in your information:

   • Card nickname (required) — helps you tell your cards apart

   • Email (required) — pre-filled from your profile, editable before issuance. This is the email that receives verification codes when you pay online

   • Phone number

     

4. Enter the Card starting balance, or tap a quick option: 500 / 1,000 / 2,000 / 5,000.

   

5. Check the Payment details section: starting balance, card issuance fee, top-up fee and total deducted from your Wallet.

6. Tick to accept the terms and click Issue card.

Result: the card is Active right away. Your Wealify wallet is charged the top-up amount plus fees. You receive the email "Your card is ready" and an in-app notification.

⚠️ 3 DETAILS YOU CAN'T CHANGE AFTER ISSUANCE

• The card's email and phone number. Use an email you check often — this is where verification codes arrive when you pay.

• The card purpose.

• Every card you create counts toward your tier's card limit, even if you cancel it later.

If you can't create a card:

View the card number, CVV and expiry date

1. Go to the Cards menu and click a card in the Card list to open the card details panel on the right.

   

2. Click View card details.

   

3. Enter the OTP code sent to your email. The card number, CVV and expiry date are shown in full, with copy buttons.

Card validity: cards are valid for a number of years, usually about 4–5 years. The expiry date is set by the card issuing partner, so it may differ by card type — you can see the expiry date right in the card information. For cards that are about to expire or have expired, please contact Wealify CS for guidance.

Want to change the card's email? The card's email and phone number can't be edited after issuance. If you need to use a different email, create a new card with the new email, then withdraw the balance from the old card to your Wealify wallet or cancel the old card.

To change the phone number or password of your Wealify account (not the card's details), go to Account information → Edit.

🔒 KEEP YOUR CARD DETAILS SECURE

Never share your card number, CVV or OTP code with anyone. Wealify will never ask for this information. Only enter your card details on payment pages you trust.

Card statuses

⚠️ A CARD CAN BE FROZEN WITHOUT YOU DOING ANYTHING

If card fees remain unpaid for more than 7 days, all active cards are temporarily frozen and unfreeze automatically once you pay.

Top up a card

Money is moved from the stablecoin section of your Wealify wallet to the card. Card top-ups are only done in the Cards section, not in the Transfer flow.

1. In the card details, click Top up card. Click Change card if you want to choose a different card.

   

2. Enter the amount, or tap a quick option: 500 / 1,000 / 2,000 / 5,000. The screen shows your Wealify wallet balance and card balance.

   

3. Check the Top-up fee and Top-up amount (total deducted from your Wealify wallet), then click Top up card.

   

The card receives exactly the amount you enter; the top-up fee is added to the amount deducted from your Wealify wallet. For fees and minimum top-ups by card type, see the Card fee schedule.

A Frozen card can't be topped up.

Withdraw from a card to your Wealify wallet

You can withdraw the card balance to the stablecoin section of your Wealify wallet without waiting for approval. The money is held for up to 14 business days before it reaches your Wealify wallet.

Why doesn't the money arrive right away? Withdrawals are held for up to 14 business days to cover possible disputes from merchants about transactions you've made with the card.

1. In the card details, click Withdraw to stablecoin wallet.

   

2. Enter the amount (no more than the card balance) and confirm.

   

3. The card balance decreases right away. The history shows a Withdraw from card transaction with the status Processing.

4. When the holding period ends, the money reaches your Wealify wallet and the status changes to Completed.

Notes:

• A Frozen card can't be withdrawn from.

• If you need to move money to an external wallet, allow for this holding period before creating a USDT transfer order.

• If you only want to stop using the card for a while, freeze the card — the balance stays on the card.

Freeze and unfreeze a card

Freezing a card declines all transactions, while the card and its balance are kept. Virtual cards have no maintenance fee, so you can keep one frozen for a long time at no cost. Physical cards, however, have a maintenance fee of 20 USD/month, charged even while frozen; it's waived if you spent more than 5,000 USD with the card in the previous month. To stop the fee, you need to cancel the card.

Freeze: in the card details, click Freeze card and confirm. The status changes to Frozen, and you receive the email "Your card has been paused at your request".

Unfreeze: open the details of the frozen card and click Unfreeze card. The status returns to Active.

While frozen, the card can't: make payments · be topped up · be withdrawn to your Wealify wallet · show the card number / CVV.

Cancel a card

If you only want to stop using it for a while, freeze the card instead of cancelling it.

1. In the card details, click Cancel card and confirm.

2. The status changes to Cancelling, then Cancelled.

3. The remaining balance on the card is refunded to your Wealify wallet. You receive a card cancellation confirmation email and a refund email.

After cancelling:

• The card can't be restored. If you need a card again, create a new one and pay the issuance fee.

• Cancelled cards still count toward your tier's card limit.

Add a card to Apple Pay / Google Pay

General spending cards can only be added to Google Pay. Advertising cards can be added to both Apple Pay and Google Pay.

Google Pay (Android) — General spending and Advertising cards:

1. Open Google Wallet → Add to Wallet → Payment card.

2. Enter or scan your Wealify card details.

3. Enter the verification code (OTP) → the card is ready to use.

Apple Pay (iPhone) — Advertising cards only:

1. Open the Wallet app → tap ＋.

2. Enter or scan your Wealify card details.

3. Enter the verification code (OTP) → the card is ready to use.

What to do when a transaction is declined

Declined transactions show the status Failed in the Transactions tab of the Cards screen. Most cases come from one of the causes below.

If you've checked the causes above and the transaction is still declined — contact Wealify CS. Have ready: the transaction ID and the name of the payment page.

⛔ IMPORTANT: WHEN A TRANSACTION IS DECLINED, STOP — DON'T KEEP RETRYING

On days with 10 or more transactions and a high decline rate, a decline fee is charged for each declined transaction.

For Advertising cards, if a transaction is declined 3 times in a row, please stop and contact Wealify CS to avoid the card being frozen.

Why my card balance dropped by more than I spent

When you pay, the transaction amount is temporarily deducted from the card first, not yet finalized. This is the standard authorization hold used by international card networks. During this time, the transaction shows the status Pending.

During the hold, the card's available balance is lower than what you actually spent. This is the most common reason the displayed balance doesn't seem to match.

When the hold is settled or returned is decided by the merchant. Wealify can't shorten this time.

How to check:

1. Open the Cards → Transactions tab menu and find transactions with the status Pending.

   

2. For Cancelled transactions, check that the money has been returned to the card balance.

If a transaction has stayed Pending for a long time — contact Wealify CS. Have ready: the transaction ID.

Refunds and cancelled transactions

Refunds go back to the same card you paid with, not to your Wealify wallet. Refund or cancellation fees are deducted directly from the refund amount, and the rest goes to the card balance. For the fees, see the Card fee schedule.

If the merchant has confirmed the refund but the card balance hasn't updated after the time they gave, please contact Wealify CS with the original transaction ID.

Card transaction statuses

See them in the Cards → Transactions tab menu, or in the transactions tab in each card's details. Transaction types: Top up, Transfer, Payment, Refund, Cancelled transaction. Money in is shown in green, money out in a neutral color.

Track card balances, transactions and notifications

Overview screen — the Cards section shows your cards, card balance, total top-ups and total spending, with the View all and Create card buttons.

Cards screen — 3 numbers at the top:

• Card list tab: each row shows the card name and last 4 digits, purpose, creation time, total top-ups, total spending, balance and status.

  

• Transactions tab: transactions of all cards.

  

• Wallet screen → Transactions tab: the history of all money in / out of your Wealify wallet, which can be filtered by the Card product.

  

Notifications: the notification bell in the top bar and emails tell you when a card is created, fees are charged, or a transfer order is completed or fails. For cards, you can also connect Telegram: follow the "Connect Telegram" instructions in the card notification, click Start and share the phone number that matches your registered number.

You need: the physical card in hand, the activation code printed on the packaging or the instruction sheet that comes with the card, approved KYC / KYB, and enough money in your Wallet for the card linking fee if any (currently 0 USD under the standard fee schedule; the form always shows the fee that applies).

Option 1: enter it manually in the app

Physical card linking form

1. Cards screen → Add physical card.

2. Fill in the Card nickname, Email, Phone number, the last 4 digits printed on the card, a PIN (6 digits you choose) and the Activation code.

3. Check the Card linking fee at the bottom of the form and click Add physical card. The fee is charged before linking; if there isn't enough money, the system takes you to top up. If linking fails, the fee is refunded to your Wallet right away.

4. The card changes to Active. You receive the email "Physical card activation confirmed".

Option 2: scan the QR code on the card box (fastest, under 2 minutes)

1. Open your phone camera, scan the QR code on the box and tap the link that appears.

2. If you aren't logged in, log in to Wealify; the system takes you back to the activation screen automatically, so you don't need to scan again.

3. Check the line "Signed in as: ..." at the top of the form. If it isn't the cardholder's account, click Log in with another account.

4. The last 4 digits are pre-filled from the QR code (you can edit them if they're wrong). Enter the Activation code and set a PIN.

5. Click Add physical card, wait a few seconds until "Card activated successfully" appears, then choose Top up card now or Go to card management.

PIN rules (6 digits): no 3 consecutive ascending or descending digits (123, 654), no 3 identical digits in a row (111), numbers only. Valid: 459872. Invalid: 123456, 111222. Don't use your date of birth or phone number.

Change PIN / forgot PIN: in the physical card details, click Change PIN, enter the OTP sent to your email and enter the new PIN twice. You don't need to know your old PIN. If you enter the wrong PIN at a POS terminal / ATM 3 times, the issuer locks the card; contact Wealify CS.

First physical card activation gift: you receive 10 USD in your Wallet, once per account. This amount can only be used to top up the card — it can't be withdrawn or used to pay fees; when you top up the card from the minimum stated in the notification, the system uses the 10 USD gift first, then your own money.

Common errors when activating with QR

⚠️ Security:

Never share the QR code, activation code or PIN with anyone, including people claiming to be Wealify staff. Don't post photos of the QR code on social media. Wealify will never ask for your PIN by phone, email or chat.

Card fee schedule

Physical cards: a maintenance fee of 20 USD/month, charged even while the card is frozen. It's waived for the month if your total card spending in the previous month was over 5,000 USD. To stop the fee, you need to cancel the card.

Quick examples:

• Top up 100 USD to a General spending card → fee 1.50 USD, your Wealify wallet is charged 101.50 USD, the card receives 100 USD

• Pay 100 USD in a foreign currency (General spending card) → FX fee 2.50 USD

• A 100 USD refund to a General spending card → fee 1.50 USD, the card receives 98.50 USD

Example of the total cost of creating a card:

Decline fee

The fee only applies on days when the card has 10 or more transactions, and is charged per declined transaction. It's deducted from your Wealify wallet the next morning, with a notification and email.

Example: in one day, the card has 10 transactions and 3 are declined → a 30% rate → fee 0.50 USD × 3 transactions = 1.50 USD.

Purpose of the fee: to discourage repeated trial transactions.

How to avoid the fee: check the card balance and status before paying · make a small transaction first on a new payment page · don't keep retrying when the card is being declined.

Outstanding card fees — why you can't create a new card

When your Wealify wallet doesn't have enough money to pay maintenance fees, decline fees or FX fees, the shortfall is recorded as an outstanding balance. It's shown as an "Outstanding" line under your balance.

⚠️ NOTE: KEEP ENOUGH BALANCE IN YOUR WEALIFY WALLET TO PAY FEES

Keep enough balance in your Wealify wallet to avoid an outstanding balance and frozen cards.

About cards and creating cards

Top-ups and payments

Freezing, cancelling cards and outstanding fees