How CardFi Works

Sign up with your name, email, and phone number. Verify your email with a 6-digit OTP code, set a secure 6-digit PIN, and save your 12-word recovery phrase. Account creation is completely free and takes under 3 minutes.

Each CardFi account gets a unique USDT wallet address on the TRON network (TRC-20). Send any amount of USDT to this address from any exchange or wallet. Your balance updates automatically after blockchain confirmation — usually within 1–5 minutes.

Your virtual Visa/Mastercard is automatically issued when you first fund your account. Find it in the Card section of your dashboard. The card includes a full card number, expiry date, and CVV — ready to use anywhere cards are accepted online or in-store via digital wallets.

Use your CardFi virtual card at over 100 million merchants worldwide. Pay for subscriptions, online shopping, travel, accommodation, software, or anything else that accepts Visa or Mastercard. Each transaction costs just 1% flat — no hidden fees, no monthly charges.

For higher deposit limits and full platform features, complete KYC verification by uploading a government-issued ID and a selfie. KYC Tier 2 unlocks up to $5,000/month deposits and $2,000/day card spending. Verification typically takes 1–3 business days.