A Telegram mini-app card for Hong Kong residents, priced at 50 USDT with a 4% top-up fee

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

AnyXPay gives you a payment card that spends a crypto balance, run through a Telegram mini-app and aimed at Hong Kong residents. On paper it looks flexible: four card types, top-ups in eight stablecoins across three blockchain networks, and addition to Apple Pay and Google Pay. But under those features sits a set of terms that are short on transparency. The card page names no countries, the issuer and the licences are never mentioned, and the terms let the operator freeze or close an account at any time without compensation. The 4% top-up fee and the 50 USDT price are stated; what an everyday foreign payment actually costs is not.

Conditions are current as of October 28, 2026.

Verdict: who this card suits, and who it does not

I score AnyXPay 3.5 out of 10. It is a card for a narrow group: Hong Kong residents who already hold stablecoins, are comfortable operating entirely inside Telegram, and can accept that they hold no disclosed issuer and no independent track record. For everyone else, the same job is better served by a provider that names its issuing bank, its licence and the countries it will not touch.

The strongest part of the package is the top-up: eight assets across three networks, plus bank-card and peer-to-peer routes. That is more choice than many rivals offer, and it earns the highest mark in the table below. Everything else is weaker. The cost picture is thin — a 4% fee, a fee schedule the operator can change without notice, and an unspecified conversion markup for payments outside Hong Kong. Eligibility is the biggest issue: the services are intended only for residents of Hong Kong, service may be refused in sanctioned jurisdictions, and the card page itself lists no countries at all. Reliability is the weakest of all, because I found no independent reviews of the service and no named issuer.

Let me walk you through the score criterion by criterion before we get into the details, so you can see where my judgement comes from.

That table is the short version. If you keep one thing from this review, keep the second row and the fourth: the cost is high and the accountability is low.

Who will they give the card to?

The terms state plainly that the services are intended only for residents of Hong Kong. That is the first filter, and it is a residence rule rather than a citizenship one, but the card page lists no countries — so if you are not in Hong Kong, the only official statement you have is that the service is aimed at Hong Kong residents, and nothing tells you what happens to an application from elsewhere. Some early material suggested a much wider reach of 200-odd countries, but the site does not confirm that, so I would not plan around it.

There is also a sanctions filter. The list names Belarus and Russia explicitly, along with Cuba, the DPRK, Iran, Syria, Venezuela and others, and the terms say service may be refused in those jurisdictions. If you happen to hold a passport from one of them but live in Hong Kong, the terms give the operator room to decline you. The public pages do not say how that decision is made or how you would find out that it happened.

So, in plain terms: this is a Hong Kong product. If you are a Hong Kong resident, you are in the intended audience. If you are anywhere else, you are an applicant to a service that has not said it will accept you. Before you spend time on it, look at the terms page for your own country and read how it treats residents rather than citizens, because that distinction matters more here than usual.

How to get the card

Getting started is lighter than you might expect, and lighter than it perhaps should be. Verification level 1 needs only an email address and a phone number. Only Visa Premium is marked as requiring KYC. The terms do say that identification data and source-of-funds documents can be requested, but they do not describe the procedure, and proof of address and age requirements are not stated anywhere in the public pages.

That combination — almost no onboarding at level 1, documents only “on request” — is worth pausing on. It means the friction lands later, at the moment the operator decides it wants to see your papers, rather than up front. It also means the re-verification rule in the terms, which requires updated data if what you supplied is out of date, can arrive as a surprise. Access may also be refused if the data you gave turns out to be false. The processing time for a check, and the reasons a check might fail, are not stated.

There are four card products in the range: MasterCard Basic, MasterCard Pro, Visa e-commerce and Visa Premium. The activation text also names “Mastercard Infinity”, which is not listed as a separate product, so I would not count on it. Whether the cards are virtual or physical, and which currency they are denominated in, are not stated — and that matters, because a card’s currency changes how a foreign payment is settled. Delivery is also not stated; the card is presented as a virtual product.

Here is the honest summary: you can register with an email and a phone, choose one of four cards, and expect verification to be light at first and heavier later. You should not expect the site to tell you, in advance, exactly which documents will be required.

What it really costs: fees and limits

The stated costs are simple, and that simplicity is the problem, because what is missing is what matters for a card you use abroad. Issuing a card costs 50 USDT, and that is charged for each card, not once per account. A monthly or annual fee is not stated, which may mean there is none, but the public pages do not say so. Topping the card up costs 4%. And the fees can change without notice, which is the single most consequential line on this page: it means the 4% you read today is not the 4% you will get next year.

Two or three ordinary payments, worked through with what the card actually states, show where this bites.

A coffee in a shop that accepts cards, paid in Hong Kong dollars. This is the case the card is built for. You would pay the top-up fee of 4% when you load the card, plus the network fee if your top-up was an on-chain transfer in USDT or another token. Inside Hong Kong no acquirer conversion markup is flagged. This is the scenario where the card behaves as advertised.

A subscription bought online, priced in dollars. If the merchant takes dollars, the conversion markup of the acquirer may apply if the payment sits outside Hong Kong — the terms say so, without a number. Add the 4% you already paid at top-up and you are paying twice on the same money, once to load and once to convert. If the merchant also applies 3-D Secure and the card goes through without a challenge, fine; but if a foreign-issued card is declined by the merchant, the usual advice about contacting the merchant does not help you here, because the terms do not describe a chargeback process.

A purchase abroad, in a currency that is not your balance. Whether you pay an extra currency-conversion fee depends on how the card is denominated, and the card currency is not stated. That is not a detail to discover at the till.

The limits differ sharply between the four cards, and the differences are the main thing separating them. Visa e-commerce is unlimited daily and monthly, but capped at 20,000 dollars per transaction. Visa Premium is the opposite shape: the highest single-transaction ceiling of the four, and a 6,000,000 dollar monthly cap.

All four cost the same 50 USDT and carry the same 4% top-up, so the choice comes down to the limits — and, for Premium, the KYC requirement.

How to top it up

This is the part of the card that genuinely stands out, and it is why the top-up score is 9 out of 10. You can top up directly with USDT, USDC, USDR, USDQ, EURQ, XAUT, EurR or aUSDT, sent over TRC-20, ERC-20 or BEP-20. You can also top up with a bank card, or buy through a peer-to-peer route.

One warning about the network, because it is the classic way to lose money here. Circle stopped supporting USDC on Tron in February 2024, so “USDC over TRC-20” is not a native option even though TRC-20 is offered for other assets. And blockchain transfers are irreversible: a deposit sent on a network the provider does not support, or to an address belonging to a different network, can be lost or need manual support recovery with no guarantee. If you get it wrong, you are relying on the in-app support button, whose hours are not stated.

Two further points on money movement. You can withdraw from the Wallet, minus the network fee, but you cannot withdraw from the Card account at all — so what is loaded onto the card is money committed to spending. And any fees you have paid are not refunded.

Paying with it every day

You can add the card to Apple Pay and Google Pay, which is how most people will actually use it. Whether any merchant categories are blocked is not stated — and that omission matters more than it sounds, because gambling (merchant category 7995) is blocked by many issuers as policy, and the blocked list varies from one issuer to the next. If gambling or another sensitive category matters to you, ask before you assume it works.

The card runs inside a Telegram mini-app at @anyxpay_bot, with a web app at app.anyxpay.com. There is no App Store or Google Play listing, which means no native mobile app and no store-level protection: your access depends on your Telegram account and your device being trustworthy, and the terms say exactly that — you are responsible for the Telegram account and the trusted device.

The service includes a referral programme, details of which are on the site. No cashback is stated, so the rewards side of the card is limited to what the referral scheme pays, not what you earn back on spending.

If something goes wrong with a transaction, the terms give you a path: negotiate first, then mediation or HKIAC arbitration in English. Two cautions. Claims on transactions must be filed within whatever deadline the rules set, or the right is lost — and the rules are not on the page. And the chargeback process is not described at all, which is the mechanism you would rely on for a straightforward fraudulent charge. Read those two points together and you will understand why my everyday-use score is a middle mark rather than a high one.

What can go wrong

Four risks are worth taking seriously, and none of them is hypothetical.

The issuer is not named. The developer is “CSB”, the terms are governed by Hong Kong law, and the operator works through the Telegram mini-app. But the registered address is not stated, the issuing bank is not stated, and the licences are not stated. That means you cannot check a licence against a regulator’s register, and there is no bank answerable for the card programme in the way there would be for a card from a named issuer. When you read about a crypto card, remember that the brand is often only the front end: the network routes the messages, the issuer holds the programme, and the crypto name markets it. With no issuer named, the one piece you would use to hold the provider to account is missing.

The account can be frozen or closed without compensation. The terms allow the account to be frozen or closed at any time, without notice and without compensation. That is not a bug in the wording; it is the wording. It also means the freeze can arrive over a transfer you have already sent on an irreversible network.

“Non-custodial” and “custodial” are both in the picture. The site calls itself an open-source, non-custodial Telegram wallet. The terms say the wallet is custodial and “not a banking service”. Those two statements pull in opposite directions, and the terms are the binding document. Either way, you must trust the provider with the credentials, which means trusting them completely. High-risk assets may be frozen. Two-factor authentication and a card-freeze feature are not stated.

Safety safeguards are unconfirmed. Typical protections in this category are app-based two-factor authentication, an instant card freeze, spending limits, 3-D Secure confirmation and tokenised mobile wallets. The card has the mobile wallets. Whether it has 2FA, an instant freeze, or a card-level spending limit, the pages do not say.

On the record of problems, there is very little either way. I found no official incidents and no independent user reviews of AnyXPay; there is no Trustpilot page for it. The site itself shows five self-published reviews from August to September 2025, which are unverified and not something to weigh. The terms were updated on 7 July 2026, and the blog carries posts dated 5 May 2026 and 9 October 2025 on card usage. I found no licence or fine events against the service.

One thing to know about disputes in this category generally: charges can be contested, but the reversal rights that US consumers have on debit cards under Regulation E and on credit cards under Regulation Z do not automatically follow you to a prepaid card, and prepaid-card coverage varies. Do not assume you have the same protection here as with a bank card.

What to take instead

If AnyXPay does not fit — because of the Hong Kong residence limit, the undisclosed issuer, or the fee schedule that can change without notice — the alternatives below are the ones I would look at instead. All three scored higher in my review than AnyXPay’s 3.5. Every crypto card carries counterparty and operational risk, and each of these has its own gaps, which I have set out.

Ape Wallet is the one with the clearest everyday story: two virtual Visa products, including one built for Apple Pay and Google Pay. Its fees are shown before you confirm any operation, which is a transparency habit worth more than a low headline price, and transfers to other users by Telegram username carry no fee. It has a Russian focus — SBP payments, and a passport check that uses a Russian passport — which may or may not suit you. It has no cashback, but a two-level referral programme pays a share of card purchases by invited users, without published percentages. Card currency is not stated.

MaxSwap takes a long list of coins — ADA, ALGO, AVAX, BCH, BNB, BTC, DOT, ETH, HBAR, HT, KRRX, LINK, LTC, MATIC, NEAR, SHIB, SUSHI, TON, TRX, UNI, USDC, USDT, XLM, XRP — but publishes no network list to go with it, which is a real problem when you are choosing where to send a transfer. Its fees are explicit: 4.5% plus 1 dollar to top up, then 0.25 dollars plus 0.4% per transaction. It says there is no separate FX rate, and advises taking possible fees into account when paying and converting currencies. No cashback is stated.

AnoCard is the most flexible in structure — virtual cards from several BINs, reloadable or one-time, filtered in a SORN dashboard — but also the least transparent right now. Prices and top-up terms are shown inside SORN before payment rather than published, and the site itself was down when the page was read. Its referral programme is the most concrete of the three: 5 dollars per referred card creation and 0.25% of referred top-ups. The top-up route depends on the asset, and the starting list of supported assets is unverified.

If you want a rule of thumb: pick the one that tells you its issuer and its fees before you commit, because that transparency is what you lose when the paperwork is thin.

Who I would recommend it to

I would recommend AnyXPay to a Hong Kong resident who already holds stablecoins on TRC-20 or ERC-20, is happy to run a card entirely from Telegram, and is treating it as a spending tool rather than as a store of value. In that specific case the top-up flexibility is genuinely good, the 4% is the price of that flexibility, and the Apple Pay and Google Pay support covers ordinary daily spending.

I would not recommend it as a first crypto card, and I would not recommend it to anyone who cannot satisfy the Hong Kong residence requirement. The gaps are not small ones. The issuer is not named, the licences are not named, the “non-custodial” claim on the site sits against “custodial” in the terms, and the terms allow the account to be frozen or closed at any time without notice or compensation. Add a fee schedule that can change without notice and an undisclosed conversion cost on payments outside Hong Kong, and you are asked for a lot of trust in return for one good feature.

My own checklist, if you are still considering it: confirm in writing what the card currency is and whether the card is virtual or physical; ask what the conversion markup is on a payment outside Hong Kong; check whether 3-D Secure applies and what happens when a merchant declines; and establish what evidence you keep of each top-up, because a blockchain transfer cannot be reversed. And keep in mind what the wider category looks like: crypto transactions are generally taxable events in many jurisdictions, with the gain measured in local currency at the value on the date of the transaction, so each card payment funded from crypto can be its own disposal. That is a conversation with a tax professional for your own situation, not one to have with me — but it is worth having before the card becomes a habit.

Frequently asked questions

What is the AnyXPay card?

AnyXPay is a payment card that spends a crypto balance, run as a Telegram mini-app. You load the card from stablecoins, bank-card top-up or a peer-to-peer purchase, then use it as a card or add it to Apple Pay and Google Pay. The range includes four card types across the MasterCard and Visa networks. The developer is named as “CSB”, and the terms are governed by Hong Kong law. The issuing bank and the licences are not stated.

Is AnyXPay a bank?

The terms say the wallet is custodial and “not a banking service”. That single line answers the question better than anything else on the site. Note also that the site describes itself as an open-source non-custodial Telegram wallet, which pulls in the opposite direction — and the terms are the binding document. Deposits are not bank deposits, so a bank deposit guarantee scheme should not be assumed to cover them.

Can I get the AnyXPay card in my country?

That depends on where you live, and the site’s public pages do not give you a country list. The terms say the services are intended only for residents of Hong Kong, and that service may be refused in sanctioned jurisdictions, a list that names Belarus and Russia, along with Cuba, the DPRK, Iran, Syria, Venezuela and others. If you are outside Hong Kong, check the terms for your country before you spend time on the application.

How much does the AnyXPay card cost?

Issuing a card costs 50 USDT, charged for each card. Topping it up costs 4%. A monthly or annual fee is not stated. A conversion markup from the acquirer may apply to payments outside Hong Kong, paid by you, with no figure given, and the fees can change without notice. Network fees for a top-up are paid separately. Since the schedule can move without warning, treat the 4% as today’s price rather than a fixed one.

Does the AnyXPay card require KYC?

Only Visa Premium is marked as requiring KYC. Level 1 verification needs just an email address and a phone number. The terms do allow identification data and source-of-funds documents to be requested, with re-verification if what you supplied is out of date, but the procedure, the processing time and the rejection reasons are not described. So expect light onboarding first and heavier checks later.

What are the AnyXPay card limits?

They differ by card. MasterCard Basic allows 20,000 dollars per transaction, 250,000 daily and 1,000,000 monthly. MasterCard Pro raises the per-transaction figure to 50,000 dollars with the same daily and monthly caps. Visa e-commerce allows 20,000 dollars per transaction and is unlimited daily and monthly. Visa Premium allows 200,000 per transaction and daily, and 6,000,000 monthly. All four cost 50 USDT with the same 4% top-up.

How do I top up the AnyXPay card?

You can send USDT, USDC, USDR, USDQ, EURQ, XAUT, EurR or aUSDT over TRC-20, ERC-20 or BEP-20, or pay in from a bank card, or buy through a peer-to-peer route. The fee is 4% plus whatever the network charges for an on-chain transfer. Bank-card and peer-to-peer fees are not stated, nor is a minimum. Check the network before you send: transfers are irreversible, and Circle stopped supporting USDC on Tron in February 2024.

Can I withdraw money from the AnyXPay card?

Not from the card account. Withdrawal from the Wallet is possible, minus the network fee, but money loaded onto the card itself is committed to spending. Paid fees are not refunded. If a payment is disputed, the terms say to negotiate first and then go to mediation or HKIAC arbitration in English, with claims filed within the deadline the rules set or the right is lost.

Is the AnyXPay card safe?

Treat it as a custodial wallet inside Telegram with an unnamed issuer and unnamed licences. The site calls itself non-custodial while the terms call it custodial and “not a banking service”; the terms govern. The terms also allow the account to be frozen or closed at any time without notice or compensation, and high-risk assets may be frozen. You are responsible for your Telegram account and trusted device. Two-factor authentication and an instant card freeze are not stated.

Where can I use the AnyXPay card?

The card page names no countries, so there is no official list to check. Payments inside Hong Kong are the case the product is built for. For payments elsewhere, an acquirer conversion markup may apply, with no figure published, and the card currency is not stated. Some merchants decline prepaid or foreign-issued cards when the BIN lookup reveals the issuer country, and blocked merchant categories are not stated either — gambling, category 7995, is blocked by many issuers as policy.

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