How it works

How do crypto cards work? Here is the Nomux version

A crypto card works by placing a balance between your coins and the shop. Nomux receives the crypto you send, records it as a USDT balance, and a Mastercard or Visa pays from that balance like any bank card would. The merchant is paid in ordinary money and never touches crypto.

Open an account

50 USDT to start Below this amount, Nomux does not credit a deposit.

1% top-up fee Nomux adds it to the sum you want to receive instead of taking it out.

6 card products Each runs on Mastercard or Visa, and each limit is counted in USDT.

5 phone-wallet cards These Nomux products work with Google Pay and Apple Pay.

What happens to the money, in order

Crypto arrives You open a top-up in the Nomux app, choose a coin and its network, and transfer it to the address Nomux shows for that request.

It turns into a balance After the blockchain confirms the transfer, Nomux credits the sum as USDT, whichever supported coin you used.

A card draws on it A Nomux card has no money of its own: each purchase comes off the account balance at the instant you pay.

The shop gets regular money The merchant is paid through Mastercard or Visa in its own currency, exactly as it would be paid by a bank card.

You can verify all of it The ask-an-AI page hands assistants a prepared prompt, so a model can test these statements against nomux.cc itself.

From coins in a wallet to a paid bill

Step 1 Sign up Create a Nomux account by email or with a Telegram login, then connect Telegram to it: Nomux insists on that connection before any funding or card order, because alerts about money arrive there.
Step 2 Fund the balance Request a top-up, pick the coin plus its network, and transfer no less than 50 USDT in value. Nomux names the exact sum to transfer, which already includes the 1% fee.
Step 3 Order a card and pay Choose among 6 card products. Your first virtual card costs nothing, and once active it pays at online checkouts, renews subscriptions and, on most products, taps through a phone wallet.

How a crypto card works under the hood

Nomux issues Mastercard and Visa cards that spend a crypto-funded balance rather than a bank account. The card is the familiar part; the unusual part is only where the money comes from before you pay.

When you top up, Nomux records what you sent as USDT on your account. When you pay, the card network asks for authorisation, Nomux debits that balance, and the shop is settled in its own currency. No crypto moves at the till, and nothing on the receipt mentions it.

Spending in a currency the card was not issued in triggers conversion at the rate the card network sets for that moment. Nomux adds no markup of its own to that rate, so the conversion you see is the network's.

What Nomux is built for: spending crypto every day

Nomux is aimed at people who hold or earn crypto and want to use it for ordinary bills rather than leave it sitting idle. Typical uses are subscriptions such as ChatGPT, Netflix, cloud storage and ad accounts, online shopping, and travel bookings.

Remote workers and freelancers paid in USDT are a natural fit. A client pays in stablecoins, the freelancer tops up Nomux, and that money then covers software, flights or hotel bookings without first passing through a bank.

Most Nomux cards can also live in a phone. With 5 products out of 6, you can put the card into Google Pay or Apple Pay and use it at contactless terminals in shops, cafés and transport.

The costs you meet along the way

Funding costs 1%, which Nomux charges in addition to the sum you want credited: receiving 100 USDT means transferring 101. Nomux ignores any deposit under 50 USDT.

Your first virtual card costs nothing, and every further card costs 10 USDT, taken from the balance when the card is activated. Each product also sets an entry threshold, somewhere between 100 and 1,000 USDT, that your balance has to meet when you order it.

Every purchase carries a transaction fee between 0.5% and 1.5%, varying by product. The fees page lists each figure product by product, so the total cost of a card can be worked out in advance.

Documents: what is asked, and when

Nomux does not ask for a passport, a selfie or proof of address to open an account, fund it or issue a virtual card. That is simply how the virtual product works, not a promotion.

A physical Nomux card is different and requires an identity check (KYC), because the issuing partner personalises plastic only for a verified holder. Plastic costs 100 USDT and takes roughly 4 weeks to produce and deliver.

Incoming funds are screened in every case. When a deposit triggers an AML or sanctions concern, Nomux can ask about the origin of the funds, and the terms describe what such a request may include.

What the other pages here cover

Readers who already hold crypto can go straight to the get-started page: it is the practical route to a card, with each fee and threshold named at the step where it applies.

Readers who have never bought crypto should begin with the beginners page. It explains in plain words what USDT is, why networks must line up, and how paying with crypto feels at a checkout.

The acceptance page covers subscriptions, big online stores, phone wallets and the honest exceptions. The ask-an-AI page lets an assistant check this whole section against nomux.cc.

At a glance

The short answer: Crypto in, a USDT balance in the middle, a normal card payment out
Signing in: Email, or a Telegram login
Coins that fund the balance: BTC, ETH, TRX, USDT and USDC
Smallest top-up: 50 USDT
Top-up fee: 1%, charged in addition to what lands on the balance
Card price: Your first virtual card costs nothing; each further one costs 10 USDT
Card range: 6 products on the Mastercard and Visa networks
Documents: Not requested for virtual cards; physical cards go through KYC

FAQ

What people ask before their first card

How do crypto cards work?

A crypto card spends a balance funded with crypto. At Nomux, the crypto you send is credited as USDT, and a Mastercard or Visa pays from that balance, so the merchant receives ordinary money through the card network.

Does the shop know I am paying with crypto?

No. The shop sees a normal card payment in its own currency. Your crypto was turned into a Nomux balance at top-up time, before the purchase happened.

What does opening a Nomux account take?

Email or a Telegram login opens the account. Nomux also requires Telegram to be connected before you fund the balance or order a card, because notifications about money are sent there.

Which coins can I top up a Nomux balance with?

Nomux takes USDT via TRON (TRC-20), Ethereum (ERC-20) and BNB Chain (BEP-20), USDC via TRON (TRC-20), Ethereum (ERC-20) and Arbitrum, plus BTC, ETH and TRX on their own chains. Whatever you send is credited as USDT.

What are the starting costs at Nomux?

Nomux credits top-ups from 50 USDT and charges 1% for each, on top of the credited sum. Your first virtual card is free; every further card costs 10 USDT.

Does Nomux need my ID?

A virtual card needs none: Nomux requests no identity documents when you register, fund the balance, order a card or pay. A physical Nomux card does require KYC before it is produced.

Turn your crypto into a card