Confidopay is a crypto debit card solution that enables you to seamlessly convert your cryptocurrency into fiat currency for everyday spending. Utilizing advanced APIs and secure transaction protocols, our platform facilitates near-instantaneous conversions at the point of sale or withdrawal. This means you can use your crypto assets like traditional currency anywhere debit cards are accepted, globally. Our system operates on a real-time exchange model, ensuring you receive the current market value for your crypto conversions, with transparent, minimal fees as detailed in our fee structure.

Yes, security is our paramount concern. We employ state-of-the-art encryption and multi-factor authentication protocols to protect your funds and personal information. All transactions are processed through PCI DSS compliant systems. Additionally, we provide real-time transaction monitoring and instant notifications to help you stay informed of your account activity. This robust security framework is in place to ensure the utmost safety for your digital assets and financial interactions.

We pride ourselves on transparency. Our fee structure is designed to be straightforward and minimal, ensuring you retain the maximum value from your crypto assets. As documented, we charge a 0.1% + 1 EUR fee for crypto exchanges, withdrawals, deposits, and bank transfers. Notably, the creation of both virtual and physical cards is free of charge. These fees are aligned with industry standards for digital asset exchange and transaction processing. We continuously review and optimize our fee structure to provide the most competitive rates.

The choice depends on your individual needs and preferences. Our Virtual Card is ideal for secure online shopping and digital transactions, providing instant activation and integration with digital wallets like Google Wallet and Apple Wallet. The Physical Card offers broader versatility for everyday spending, ATM withdrawals, and tap-and-go payments, as well as mobile wallet integration. You can obtain both cards and manage them within the same account for comprehensive spending flexibility.

Our onboarding process is designed for speed and efficiency. After registering and verifying your account, you can instantly access and begin using your Virtual Card. The Physical Card can be ordered and will be delivered according to standard shipping times. Our platform facilitates immediate linking of your card to your preferred currency and crypto wallets, allowing for near-instantaneous transactions.

Confidopay currently supports the following cryptocurrencies: Bitcoin. Bitcoin on Lightning Network. Ethereum. USDC on Ethereum (ERC20). USDC on Polygon (ERC20). BNB on BNB Smart Chain. We are actively working to expand our supported cryptocurrencies to provide even greater flexibility and choice to our users.

We currently provide Services and make Third Party Services available to End Users who are natural persons with citizenship or residency in an EEA Contracting State or Switzerland.
we have currently suspended onboarding End Users residing in Hungary.

Payment Cards are only available for EEA residents.

An End User account is created for eligible individuals who have completed the KYC. The primary requirements for account creation (Tier 1) are:

Proof of Identity (POI): A document valid for travel within the EEA (for EEA and Swiss citizens, a national identity card or passport; for citizens of other jurisdictions, a passport).

Selfie.

Third-country citizens residing in the EEA or Switzerland require a second Proof of Identity (POI2), which is a valid residence permit issued by an EEA Contracting State or Switzerland. In certain limited cases, we can accept an identity card issued by an EEA Contracting State as POI2.

In some cases, we may require a Proof of Address (POA) document in Tier 1 to approve KYC.

An End User is required to provide Tier 2 documentation once the value of their inbound transactions reaches EUR 15,000 in Virtual Assets or EUR 25,000 overall.

The Tier 2 requirements are:

Proof of Address (POA) document (if not provided in Tier 1): This must be either a utility bill (such as for electricity, gas, water, or landline) or an account statement (such as from a payment institution or a bank). Mobile bills are not accepted. The document must be in the End User’s name, match the provided address, and not be older than three (3) months.

Source of funds information and document(s).

The End user has a 30-day period to complete their Tier 2 verification, during which full account functionalities remain accessible.

The following transaction limits/thresholds apply:

¹Virtual Asset and fiat currency withdrawals, Virtual Asset transfers, and Card transactions are counted towards the overall outbound transaction limit.

²Card payments are further subject to the total monthly outbound limit.

³ATM withdrawals are further subject to the total monthly outbound limit.

We are currently unable to provide or make Services available to residents of a list of jurisdictions, which includes (but is not limited to): Afghanistan, Albania, Algeria, Angola, China, Cuba, Iran, Iraq, Japan, Nigeria, Pakistan, Russia, Saudi Arabia, South Africa, Sudan, Syria, Turkey, Ukraine, United Arab Emirates, United Kingdom of Great Britain and Northern Ireland, and the United States of America. Access may be restricted in these countries, territories, regions, and jurisdictions.

Due to regulatory reasons, we are currently unable to offer Services to citizens of the Russian Federation, regardless of their residency. An exception applies to citizens of the Russian Federation who also hold EU/EEA or Swiss citizenship, who are eligible for our Services.

Using the Payment Card is not possible within a list of countries, territories, regions, or jurisdictions, which includes (but is not limited to): Afghanistan, Algeria, Belarus, Cuba, Iran, Iraq, Jordan, Lebanon, Libya, Morocco, North Korea, Pakistan, Russia, Saudi Arabia, Somalia, Sudan, Syria, Tunisia, Turkey, Ukraine, United Arab Emirates, and Venezuela.

Card transactions in Ukraine may be available in certain applications. However, they are not possible in areas of Ukraine that are not under government control.