Spend USDT with a card.
Send Tether from the chain you already use. We credit your balance in minutes and you pay anywhere the card is accepted. No exchange account and no bank transfer wait.
From USDT to checkout
Four steps. Most people finish the first three in one sitting.
- 01
Get your card
Sign up with email and phone. Your Instant virtual card is issued in minutes. Limits apply until you verify your identity.
- 02
Pick USDT and a chain
Choose USDT in your dashboard, then pick the chain you hold it on. We show the fee and the typical time for each one.
Deposit USDTConfirmed+ 500.00 USDTNetworkTron (TRC-20)Network fee1.0 USDTCredited497.50 USDTX 0x8f3a…c21e · 12 confirmations - 03
Send from your wallet
Scan the QR code or copy your deposit address. Send only USDT on the chain you picked. Watch confirmations arrive live.
- 04
Pay anywhere
Your balance is credited at the published rate. Add the card to Apple Pay or Google Pay where available and spend online or in store.
Balance$4,200.30FundlyCardholderAlex Rivera
Where to send USDT
USDT lives on many chains. Pick the one where you already hold it. Confirmations and minimums are proposals and may change at launch.
| Fee | Confirmations | Typical time | Minimum deposit |
|---|---|---|---|
Tron TRC-20, the cheapest route for most people | 19 | About 1 to 2 minutes | 10 USDT |
Ethereum ERC-20, higher network fees | 12 | About 3 to 5 minutes | 20 USDT |
Arbitrum Low fees, fast | 12 | About 1 to 2 minutes | 5 USDT |
Polygon | 64 | About 2 to 4 minutes | 5 USDT |
BNB Chain BEP-20 | 15 | About 1 minute | 5 USDT |
Optimism | 12 | About 1 to 2 minutes | 5 USDT |
Avalanche C-Chain | 12 | Under 1 minute | 5 USDT |
Solana SPL token | 32 | Under 1 minute | 5 USDT |
TON Jetton | 1 | Under 1 minute | 5 USDT |
Network fees are paid to the chain, not to Fundly. The Fundly deposit fee is 1% on Free (min 1 EUR), 0.5% on Plus and 0% on Premium.
One address per chain, yours
Every chain gets its own deposit address in your dashboard. Send USDT there as often as you like. We watch the chain, count confirmations and credit your balance at a rate you can see before you send.
- Tron
- Ethereum
- Arbitrum
- Solana
- Polygon
A card that works everywhere
Virtual card in minutes. Physical card after verification. Pay in EUR or USD without a hidden spread and see the FX fee before you tap. Freeze the card in one tap if something looks wrong.
- Apple Pay
- Google Pay
- Instant freeze