Valuto
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.
USDT on Tron, Ethereum & BNB Chain · virtual card instantly · Apple & Google Pay.
A stablecoin account with a card on the front
Everything below runs in the demo today, on the same engine specified for production.
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.
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.
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.
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.
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.
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.
Made for how you actually spend
One stablecoin balance, a card the whole world takes, and conversion that happens the instant you pay.
Dollars that hold their value
Hold a stable, dollar-pegged balance and spend it as needed — value that doesn’t melt away between paydays.
The right money at every border
Spend abroad without juggling currencies — conversion happens at the live rate the moment you tap.
Money that lands on your card
Businesses can push payouts straight onto your card — no bank detour, funds ready to spend.
Start free. Upgrade for more cryptoback.
Standard
- Virtual card + USDT wallet
- 1% cryptoback
- 3 chains, up-front fees
- Apple & Google Pay
Pro
- 4% cryptoback
- Best conversion spread
- Priority on-ramp limits
- Metal card design
Metal
- Up to 8% cryptoback
- Zero conversion spread*
- Highest limits
- Concierge support
The short answers
Which crypto can I top up with?
When does my crypto turn into spendable money?
Do I need to already own crypto?
Where is Valuto available?
Is this a real product I can use today?
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.