El Dorado Card

Spend a USDT-funded dollar balance online or in stores with El Dorado Card, a virtual prepaid Visa.

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El Dorado Card: virtual crypto card fees and USDT on Tron and Arbitrum

What is El Dorado Card?

El Dorado Card is a virtual prepaid Visa crypto card for eligible LATAM residents who fund their app balance with USDT and spend in USD.

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El Dorado Card Overview

The El Dorado Card is a virtual USD prepaid Visa inside the El Dorado SuperApp, built for residents of supported Latin American countries. US residents cannot apply. Freelancers paid in digital dollars and people who pay for subscriptions or software in USD are a good fit. Check card availability in your country before you fund the app.

You fund your app balance with USDT on Arbitrum or Tron, or through a US dollar account. You can also buy USDT with local currency through the in-app P2P market. Then move funds onto the card and spend from its prepaid dollar balance. Pay online with the card details, or add it to Apple Pay or Google Pay to tap at compatible Visa terminals. No physical card is advertised.

El Dorado advertises zero maintenance fees and no extra charges on USD-priced purchases. Funding can still cost money: receiving ACH or wire transfers into the dollar account costs 1.49%, while P2P costs vary. We couldn't find a full card fee schedule or a cashback rate.

The main difference is access to Visa spending alongside local QR payments and P2P in one app. For existing El Dorado users, that is useful. Compare the total funding cost with your local dollar card before you switch.

El Dorado Card Key features

  • Virtual prepaid Visa

    Lead Bank issues a USD prepaid Visa in your name after identity verification. You get the card inside the El Dorado SuperApp; no physical card is advertised.

  • USD purchase pricing

    You spend from a dollar balance. El Dorado advertises no extra charges on USD-priced purchases, but does not publish a complete fee table for foreign currency spending.

  • Phone wallet payments

    You can add the virtual card to Apple Pay or Google Pay. Use your phone to tap at Visa merchants that accept contactless payments, or pay online with your card details.

  • USDT funding

    You can fund your El Dorado balance with USDT on Arbitrum or Tron, then move funds onto the card. Check the network and deposit address in the app before you transfer.

  • Local currency funding

    You can buy USDT with local currency through the in-app P2P market, then fund the card from your El Dorado balance. P2P rates and payment method fees vary, so check the total cost before you buy.

  • No advertised maintenance

    El Dorado advertises a 0% maintenance fee. The company has not fully published issuance or per-purchase fees, and the cardholder agreement says fees may apply.

  • Named dollar account

    You can open a virtual US dollar account in your name through Lead Bank and Bridge, then use those funds for your El Dorado balance. Account opening costs $0; receiving ACH or wire transfers costs 1.49%.

  • LATAM resident access

    Residents of supported Latin American countries can apply if they are at least 18 and pass identity verification. US residents cannot apply; confirm card availability in your country inside the app.

Get the app

Download El Dorado Card App For Android And iOS

Download El Dorado Card and start spending crypto from your phone — available on Android and iOS.

Get it onGoogle Play Download on theApp Store

El Dorado Card Fees

  • Maintenance fee El Dorado advertises 0 percent maintenance for the card.
  • USD purchase fees El Dorado advertises no extra charges on USD-priced purchases.
  • Dollar account receipts You pay 1.49 percent to receive ACH or wire transfers into the linked dollar account.
  • Dollar account transfers You pay $1.99 plus 0.99 percent to send ACH, or $19.99 plus 0.99 percent to send a wire from the linked dollar account.
  • Other card fees El Dorado does not publish a full card fee table for issuance, foreign spending, ATM use or replacement, and fees may apply under the cardholder agreement.

El Dorado Card Supported networks

  • Arbitrum
  • Tron

How to use El Dorado Card

  1. Create your account

    Download the El Dorado SuperApp for iOS or Android and sign up with your email and phone number. Check that the card is live in your country before you fund your balance.

  2. Verify your identity

    Complete identity verification with a government ID. You must be at least 18 and live in a supported LATAM country; US residents cannot get the card.

  3. Fund your balance

    Add USDT to your El Dorado balance, or buy it through the app's P2P market with a local payment method. For a USDT deposit, use Arbitrum or Tron and confirm the deposit address and network in the app before you send.

  4. Request your card

    Once you pass identity verification, open the Card section and request the International Dollar Card. You receive a virtual card inside the app.

  5. Load your card

    Move funds from your El Dorado balance onto the card. Check the amount and any fee shown in the app before you confirm the load.

  6. Make your first payment

    Enter your virtual card details at an online checkout that accepts Visa. To pay in a store, first add the card to Apple Pay or Google Pay, then tap your phone at checkout.

El Dorado Card Demo video

El Dorado Card Screenshots

El Dorado Card User Reviews

  • @AriEiberman
    @AriEiberman Jul 2, 2026

    Leon, las tasas de FX que yo vi en el dorado no son buenas en compra/venta pero en el uso de la tarjeta son recontra competitivas.
    Yo deposité USDT en ElDorado, y gastando de la tarjeta no me sumó ni un gramo de FX (segun calculadora Visa)
    ojo al piojo

    View on X ↗
  • @emmcriptada
    @emmcriptada May 14, 2026

    Acabo de volver de Miami contenta por haber usado la tarjeta internacional de @eldoradoio sin problemas ☀️🍹🌊🕶️
    Déjame que te cuente los beneficios de esta tarjeta en este hilo:

    View on X ↗
  • @PeterJ968
    @PeterJ968 Jul 21, 2026

    Consumer Stablecoin Card Review 01:
    @eldoradoio

    El Dorado is a stablecoin payment app focused on the Latin American market.

    Its core advantage goes far beyond issuing another Visa stablecoin card. It connects USDT with local instant-payment and wallet networks such as Pix, Yape, and Nequi.

    That is El Dorado's real moat.

    View on X ↗
Used El Dorado Card? Share your experience — your review helps other traders decide. Write a review →

El Dorado Card Review

Pros

  • You can pay USD-priced bills from a dollar balance without a local currency conversion.
  • You can pay in stores with Apple Pay or Google Pay.
  • You can fund your app balance with USDT on Arbitrum or Tron before loading the card.
  • You can use local currency to fund your balance through the app's P2P market.
  • El Dorado advertises no card maintenance fee.
  • You can pay online wherever merchants accept Visa prepaid cards.

Cons

  • El Dorado does not advertise a physical card, so in-store payments depend on a phone wallet.
  • El Dorado has not published a complete card fee table.
  • You pay 1.49 percent to receive ACH or wire transfers into the linked dollar account.
  • You may pay variable P2P spreads and payment method fees to fund your balance.
  • You must move funds through your El Dorado balance before loading the card.
  • You rely on El Dorado and its card partners to hold and manage your spending funds.
  • US residents cannot get the card.

Our verdict

I'd carry El Dorado Card as an eligible LATAM user already holding USDT. Funding costs include variable P2P spreads or 1.49% incoming ACH fees, depending on method. El Dorado hasn't published full card fees or a cashback rate. I'd keep balances small and assume no bank insurance. I'd reconsider if funding plus card fees exceeded my local dollar card's costs.

El Dorado funding

  • Founded by Guillermo Goncalvez is a Venezuelan founder and CEO of El Dorado, with Juan Andreu and Carlos Fontes named as early team members.
  • Seed - May 2024 El Dorado raised about $3 million in a seed round led by Multicoin Capital, with Coinbase Ventures and Berkeley SkyDeck participating.
  • Series A - Jun 2026 El Dorado announced a $9 million Series A on 15 June 2026, led by Paradigm, with Coinbase Ventures and Verda Ventures participating.

Is El Dorado Card safe & legit?

El Dorado Card appears legitimate: Lead Bank issues the Visa, Bridge Ventures LLC runs the program, and El Dorado Labs PY INC runs the app. Founder and CEO Guillermo Goncalvez built El Dorado with an early team that included Juan Andreu and Carlos Fontes; major backers include Multicoin Capital and Coinbase Ventures. Your balance is custodial, so you depend on the providers for access to funds; they have not published full card fees, and you should not assume FDIC insurance.

X account intel @eldoradoio

  • Based in Venezuela
  • Joined X July 2019 7 years ago
  • Username changes 2 renames last on Dec 29, 2022
  • Signup source Web

Public profile signals from X. Use as one input alongside other due-diligence.

Security scan checked Nov 13, 2026

  • Google Web Risk Not flagged
  • MetaMask Not flagged
  • Phantom Not flagged
  • ScamSniffer Not flagged
  • EtherAddressLookup Not flagged
  • Keplr Wallet Not flagged

Domain eldorado.io checked against Google's lists of unsafe sites and public crypto wallet blacklists.

This is an automated check, not a security audit. The summary is drafted from the project's own pages and public posts, and the domain is looked up on public blocklists. Nothing here is financial advice: only put in money you can afford to lose. How we review listings

El Dorado Card Updates

  1. El Dorado Card logo
    El Dorado
    👏 @eldoradoio This is what it looks like to build a product for a market that you actually UNDERSTAND, its pain points and user needs. Since I started in crypto, I have seen US companies building remittances products, with the consideration that every country below the US is the same. Then, people are surprised that @MercadoPago @nubank became huge, oh well….
    • 1 replies
    • 1 reposts
    • 5 likes
    • 174 views
  2. El Dorado Card logo
    El Dorado
    Las stablecoins hoy son pagos, remesas y comercio entre países. Perú ya las está usando así.
    Lo que muchos verán en 2027, nosotros lo vimos antes. Orgullosos de estar ahí desde el principio. 🇵🇪
    • 3 reposts
    • 10 likes
    • 437 views
  3. El Dorado Card logo
    El Dorado
    Everyone has to start somewhere. We’re making that first step easier.
    Start small, repay, grow. That’s how trust gets built.
    Thanks @dwr and @sytaylor for the conversation on @stable_takes.
    • 1 replies
    • 4 reposts
    • 20 likes
    • 793 views
  4. El Dorado Card logo
    El Dorado
    🫵 Estamos en busca del equipo B2B Sales que va a liderar la expansión de El Dorado Empresas en Bolivia. 🇧🇴
    📍 Posiciones abiertas:
    B2B Sales — Cochabamba, Bolivia
    B2B Sales — La Paz, Bolivia
    Aplica aquí:
    → https://eldoradoio.notion.site/S-mate-a-nuestro-equipo-106937b70ca380cea24fd721d50dffe9
    • 3 reposts
    • 6 likes
    • 487 views
  5. El Dorado Card logo
    El Dorado
    The pioneers of onchain consumer credit
    @eldoradoio @tempo @talamobile
    • 2 replies
    • 1 reposts
    • 19 likes
    • 683 views
  6. El Dorado Card logo
    El Dorado
    🇵🇪 Perú sigue consolidándose como un mercado clave para la innovación en pagos digitales.
    Según Capece, más de 20 nuevas fintech de pagos podrían llegar al país en 2027.
    Las stablecoins y El Dorado ya son parte de esa evolución.
    Vía @ForbesPeru
    1 more in this thread
    Lee la nota completa aquí:
    https://forbes.pe/negocios/2026-10-16/mas-de-20-nuevas-fintech-de-pagos-podrian-llegar-al-peru-en-2027-proyecta-capece
    • 3 replies
    • 1 reposts
    • 12 likes
    • 1.4K views
  7. El Dorado Card logo
    El Dorado
    You can't build credit history if no one gives you your first chance. 🤝
    $40 might look small to traditional banks, but it solves an everyday emergency and nobody else is offering it in Bolivia. 🇧🇴
    This is real financial inclusion.
    • 3 reposts
    • 10 likes
    • 667 views
  8. El Dorado Card logo
    El Dorado
    Proud to be the first live use case alongside @talamobile on @tempo rails. 🫡
    • 14 likes
    • 1.3K views
  9. El Dorado Card logo
    El Dorado
    Un mensaje de nuestro CTO 🫡
    • 3 replies
    • 25 likes
    • 1.2K views
  10. El Dorado Card logo
    El Dorado
    Ningún producto financiero debe venderse como una solución mágica en medio de una crisis.
    Estamos para sumar y acompañar con herramientas claras cuando el usuario decida.
    Fuerza, Paraguay. 🇵🇾💛
    • 1 replies
    • 2 reposts
    • 22 likes
    • 917 views
  11. El Dorado Card logo
    El Dorado
    Catch our CEO @stablecoing on @stable_takes breaking down the latest in stablecoins and how our partnership with @talamobile is unlocking credit across LATAM. 🎙️
    • 1 reposts
    • 14 likes
    • 586 views
  12. El Dorado Card logo
    El Dorado
    For people in Bolivia, accessing credit through the traditional system has always been difficult. Now, @eldoradoio users can receive and repay stablecoin loans in the app.
    We’re the first to bring consumer credit to @tempo, with @talamobile as our lending partner. No collateral. Settled in no time.
    Credit is the holy grail of fintech.
    • 5 replies
    • 6 reposts
    • 37 likes
    • 4.1K views
  13. El Dorado Card logo
    El Dorado
    El Dorado 🤝 @tempo 🤝 @talamobile
    • 1 replies
    • 1 reposts
    • 15 likes
    • 931 views
  14. El Dorado Card logo
    El Dorado
    🫡 🇵🇾 https://eldorado.io
    • 2 replies
    • 3 reposts
    • 16 likes
    • 969 views
  15. El Dorado Card logo
    El Dorado
    A Pleasure connecting with Cindy Chow, Executive Director and CEO of the Alibaba Hong Kong Entrepreneurs Fund.
    Her mission: helping entrepreneurs and young people in Hong Kong materialize their projects and connect them with global markets.
    It's the same vision we have for LATAM entrepreneurs at @eldoradoio, especially those who sell online: being able to reach customers in any country without borders or payments holding them back.
    Anyone who builds should be able to sell to the world, no matter where from.
    Who else should I meet here in Hong Kong?
    • 3 replies
    • 5 reposts
    • 18 likes
    • 736 views
  16. El Dorado Card logo
    El Dorado
    Four use cases we're building with partners:
    - Prefunding payouts before funds land
    - Financing card settlements and invoices
    - Working capital for the loans you offer customers
    - Consumer credit through a licensed lending partner
    @eldoradoio and @talamobile are already live on this in Bolivia!
    • 2 replies
    • 1 reposts
    • 5 likes
    • 229 views
  17. El Dorado Card logo
    El Dorado
    credit is live on tempo
    it's been a pleasure working with @talamobile and @shivsiroya on the consumer side
    tala has spent years getting credit to people banks ignore, and now loans can draw and repay in stablecoins in under a second, any time of day
    • 4 replies
    • 2 reposts
    • 32 likes
    • 1.7K views
  18. El Dorado Card logo
    El Dorado
    Hackathon mode! 🫡
    • 3 reposts
    • 12 likes
    • 729 views

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