Spend what you trade. Anywhere Visa is.
A crypto-funded Visa card, topped up straight from your TRUE account. Any token you hold, your trading balance or your spot wallet becomes dollars or euros in one tap. Non-custodial until you top up.
Sign-in and a short identity check follow in the app.
Country list, limits and fees as published by the card issuer. Higher limits on request with documents. Figures as of 25 October 2026.
Every balance you own in TRUE is spendable.
Pick where the money comes from. TRUE converts what you hold into the card's currency and tops the card up. You see the rate, the fee and the amount landing before you confirm.
Spot wallet
Any token on any chain you hold. SOL, ETH, a meme coin, a tokenised stock. Convert it and spend it, no exchange detour.
300,000+ tokens
5 chains
Trading account
Free collateral on TRUE Exchange goes to the card directly. Take profit on Monday, pay for dinner on Monday.
USDC, instantCard, Apple Pay or bank
No crypto yet? Add money with a debit card, Apple Pay, Google Pay or a bank transfer and it lands on the card the same way.
Fiat in, Visa outVerify. Order. Pay. All digital, no paperwork.
The whole setup happens inside the TRUE app or app.truefinance.ai. Automated checks finish in minutes; a manual review takes up to an hour.
Verify in minutes
Email code, phone code, your ID and a selfie. Nothing to print, nothing to post. Available in 205 countries, decided by the country on your ID.
Order your card
A USD card is issued right after the basic check. The EUR card comes with the extended check and brings a European IBAN with it. Up to 3 active cards.
Add to your wallet and pay
Add it to Apple Pay or Google Pay, top it up from any TRUE balance and pay online or in store. Every online payment is protected by Visa 3-D Secure, approved in the app.
Built into TRUE, not bolted on.
Non-custodial until you top up
Your crypto stays in your own wallet or trading account until you top up. Only the amount you load moves to the card, when you say so.
Accepted anywhere Visa is
Online, in store, in 205 countries. Pay in USD, EUR or GBP with no FX surcharge on top of the Visa rate.
Apple Pay and Google Pay
Tap to pay from your phone or watch the day the card is issued. No plastic to wait for.
A European IBAN
The EUR card comes with an IBAN. Send euros to friends, pay a bill or move money to any European bank account.
Visa 3-D Secure
Every online payment is confirmed in the TRUE app before it goes through. Freeze or unfreeze the card any time.
Web and app, one card
Order it, fund it and watch every payment on app.truefinance.ai or in the TRUE app for iPhone and Android.
The numbers, before you order.
What the card costs and how much it moves. Every top-up shows the exact rate and the amount landing before you confirm.
| Top up with crypto | 0% |
|---|---|
| Top up from TRUE balance | 0% |
| Card payment | In the shown rate |
| FX in USD, EUR, GBP | No surcharge |
| FX in CHF, PLN, SEK, NOK, DKK, CZK, HUF, RON | 0.55% |
| FX in all other currencies | 1.35% |
| Purchases per month | $50,000 |
|---|---|
| Active cards at once | 3 |
| Card currencies | USD · EUR |
| Form | Virtual, instant |
| Higher limits | On request |
FX surcharges are on the Visa exchange rate. Limits are per card, on top of the account limits shown inside the card portal.
Card issuance, inactivity, ATM and closure terms are set by the issuer and shown inside the card portal before you order; TRUE adds no fee of its own on top of them. Issuer help centre: help.kolo.xyz. The country list is checked against the country on your ID when you apply, inside the app.
You hold the keys. The card holds only what you load.
TRUE is non-custodial. Nothing leaves your wallet or your trading account until you top up the card, and every top-up is a transaction you can see.
- Only you can signYour wallet signs each top-up. TRUE cannot move your funds to the card for you.
- Every top-up on chainVisible in a public explorer, matched to the card statement inside TRUE.
- Issued by a regulated Visa issuerWirex Ltd issues the card through Kolo. Your identity is verified once, in the app.
Before you order
Is the card free?
Do I need to sell my crypto first?
Is it really non-custodial?
Where can I use it?
USD or EUR?
How long does verification take?
Is there a physical card?
Order it in the TRUE app. Pay with it today.
Verify in minutes, add it to your wallet, fund it from any balance you already own. Free on iPhone and Android, and on app.truefinance.ai.
Sign-in and a short identity check follow in the app.
