Everything in one banking app

Your account is protected by two-factor authentication with one-time codes, online payments are confirmed with 3D Secure, and you can freeze the card in the app at any time. We do not store the full card number or the CVV on our servers — the app shows a masked number only. Funds on your account are not a bank deposit and are not covered by any deposit guarantee scheme.

You top up the card with stablecoins: send USDT or USDC to the address the app generates for the network you choose. Funds are credited automatically once the network confirms the transfer. Available networks and the minimum top-up amount depend on your plan — they are listed in the plan comparison table.

Issuance starts at $0 and depends on the plan: some cards are issued free, others for a fixed amount, and with Butler Start the issuance amount is credited to your card balance. Top-up fees and servicing terms differ by plan — see the plan comparison table for current figures.

You top up in USDT and USDC stablecoins on the supported networks. You can pay in the merchant's currency anywhere the card is accepted: a purchase in another currency is converted when the transaction settles. Top-ups by cash or bank transfer in roubles or dollars are not supported.

Identity verification is required under anti-money-laundering rules, so you will need a passport or another identity document. The set of documents and the review time depend on your country and your transaction volumes, and for some top-ups we may additionally ask you to confirm the source of funds. Until verification is complete, some operations may be unavailable.

The most common reasons: your balance does not cover the amount including fees and the pre-authorisation, 3D Secure confirmation was not completed, the merchant belongs to a category the card does not serve, or a transaction limit was exceeded. A declined payment is not charged, but the merchant's temporary hold on the amount may remain until it is released automatically.

Some merchants — hotels, car rental, petrol stations — first hold an estimated amount, while the final amount is charged when the transaction settles, so the figures may differ. The second reason is a purchase in a currency other than your account currency: the amount is converted on the settlement date, not the purchase date. The difference between the held and the charged amount returns to your balance automatically.

Always check the coin and the network against the ones shown in the app for your address. A transfer on an unsupported network or in a different coin is not credited automatically, and recovering such funds is not guaranteed and in some cases is impossible. If this happens, contact support straight away with the transaction hash and we will check what can be done.