Valuto Valuto
Engineering preview — live interactive demo

Spend your crypto
like cash. Anywhere.

Valuto turns your stablecoins into a Visa/Mastercard the whole world already accepts. Top up your wallet with USDT, and we convert it to local money at the exact moment you tap to pay.

Try the live demo See how it works

USDT on Tron, Ethereum & BNB Chain · virtual card instantly · Apple & Google Pay.

Visa / Mastercard accepted USDT · TRC-20 · ERC-20 · BEP-20 KYC-verified & sanctions-screened Convert & pay in one tap
A Valuto card converting USDT stablecoins into local currency at the point of sale
3 chainsUSDT on Tron, Ethereum and BNB Chain
~1 seccrypto-to-fiat conversion at top-up
Globalspend anywhere Visa & Mastercard are taken
PCI-DSScard data never touches our servers
The platform

A stablecoin account with a card on the front

Everything below runs in the demo today, on the same engine specified for production.

Core

Custodial USDT wallet

Get a unique deposit address on Tron (TRC-20), Ethereum (ERC-20) and BNB Chain (BEP-20). Send USDT from any wallet or exchange; balances update the moment the deposit confirms on-chain.

Signature

Convert at the tap

When you pay, we swap exactly enough USDT to fiat at the live rate and settle the card — no manual selling, no guessing the amount.

Virtual & physical cards

A virtual card is issued the instant your KYC clears — add it to Apple Pay or Google Pay in seconds. Order a physical card when you want to tap in the real world.

Buy crypto with your bank card

No USDT yet? Buy it inside the app with your own debit or credit card through a regulated on-ramp — from $50 to $1,000 a purchase — and it lands straight in your wallet.

Cryptoback rewards

Earn a percentage back in USDT on eligible spend, credited to your wallet at settlement. Higher tiers, higher rewards.

For business

Direct payouts to card

An API for businesses to push money straight onto a user's card — a card-settlement rail built for contractor pay and marketplace payouts in Japan, South Korea and LATAM.

Freeze, controls & security

Freeze the card, reveal details behind a step-up, cap spend and block categories — enforced in the authorization path, not just the UI.

How it works

Three steps from stablecoin to checkout

1 · Verify

Sign up with email or phone and pass identity checks. Tier 1 unlocks a virtual card and starter limits; Tier 2 (proof of address + liveness) unlocks a physical card and higher limits.

2 · Top up with USDT

Send USDT to your deposit address on Tron, Ethereum or BNB Chain — or buy it in-app with your bank card. Your wallet balance updates on confirmation.

3 · Tap to pay

Spend anywhere cards are accepted. We convert exactly enough USDT to local currency at the live rate, settle the transaction, and log it to a double-entry ledger.

Valuto app showing a USDT balance, the card, cryptoback rewards and a list of converted transactions
The app

Your wallet, your card, one screen

Balances, top-ups, conversion and card controls — every action that moves money is protected by a step-up.

  • Multi-chain deposits. One USDT balance, funded from Tron, Ethereum or BNB Chain, with the network fee shown up front.
  • Live conversion. See the exact USDT→fiat rate and fee before you top up your card or spend.
  • Instant card controls. Freeze, reveal number and CVV, set limits, block categories — enforced in the authorization, not just shown.
  • Explained everything. Every deposit, conversion, spend and decline is itemised — what you see is what the ledger says.
Open the demo app
Where you can use it

Built for LATAM, Japan & South Korea

Region-aware by design — compliant on-ramps, local settlement, and hard geo-rules where the law requires them.

Latin America

Dollars that hold their value

Hold USDT against local inflation and spend it as needed. Available across LATAM — with Venezuela hard-blocked to stay inside sanctions rules.

Japan

Card settlement, local rails

Spend at home and receive direct payouts to your card — a settlement service tuned for the Japanese market.

South Korea

Payouts that land instantly

Businesses push money directly onto individual cards — ideal for contractor pay and marketplace payouts across South Korea.

Pricing

Start free. Upgrade for more cryptoback.

Standard

€0/mo
  • Virtual card + USDT wallet
  • 1% cryptoback
  • 3 chains, up-front fees
  • Apple & Google Pay
See details

Plus

€4.99/mo
  • 2% cryptoback
  • Lower conversion spread
  • Physical card included
  • Higher limits
See details
Most popular

Pro

€9.99/mo
  • 4% cryptoback
  • Best conversion spread
  • Priority on-ramp limits
  • Metal card design
Choose Pro

Metal

€17.99/mo
  • Up to 8% cryptoback
  • Zero conversion spread*
  • Highest limits
  • Concierge support
See details
Questions

The short answers

Which crypto can I top up with?
USDT (Tether) on Tron (TRC-20), Ethereum (ERC-20) and BNB Chain (BEP-20). You get a unique deposit address per network; more assets are on the roadmap.
When does my crypto turn into spendable money?
At the moment you pay. We convert exactly enough USDT to local currency at the live rate and settle the card — so you always spend today's value, not yesterday's.
Do I need to already own crypto?
No. You can buy USDT inside the app with your own bank card through a regulated on-ramp partner, from $50 to $1,000 per purchase.
Where is Valuto available?
We're launching across Latin America, Japan and South Korea. Sanctioned regions are blocked by law — including Venezuela, by residence and location, regardless of passport.
Is this a real product I can use today?
This site is the engineering preview. The demo is fully functional against simulated custody, on-ramp and card-issuing partners; live issuance is gated on sponsor-bank and scheme approvals.

See USDT become a tap in the next 60 seconds

Create a demo account, pass a simulated identity check, top up USDT and watch it convert and settle on a card — live.

Launch the demo Read the security & compliance model