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. The full card fee schedule and a cashback rate are not published in the supplied material.

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.

El Dorado Card Updates

  1. El Dorado Card logo
    El Dorado
    Congrats to the @tempo team on reaching this massive milestone!
    Proud to be building El Dorado Business on these rails.
    • 1 replies
    • 1 reposts
    • 23 likes
    • 1.2K views
  2. El Dorado Card logo
    El Dorado
    Straight Outta LATAM: this week across the network.
    @AureoBitcoin launched Aureo Pagos: pay any Mexican bank account in seconds, from Mexico or abroad, using Bitcoin.
    https://x.com/AureoBitcoin/status/2100644522816618647?s=20
    @eldoradoio featured in Forbes Argentina: from consumer app to El Dorado Business.
    https://x.com/stablecoing/status/2099952257290703030?s=20
    @osmo_money fund your Schwab, IBKR, or any brokerage account directly from OSMO.
    https://x.com/osmo_money/status/2095931145351577789?s=20
    @blindpay introduced Payables: pay invoices and bills directly from stablecoins.
    https://x.com/blindpay/status/2095527243552575811?s=20
    @facturitasapp invoicing in ARCA takes up to 9 steps. With Facturitas, one WhatsApp message loads and sends the invoice in under 8 seconds.
    https://www.instagram.com/p/DdB9V1Eg5LD/
    • 1 replies
    • 2 reposts
    • 14 likes
    • 993 views
  3. El Dorado Card logo
    El Dorado
    🇨🇳 Trade between China and Latin America has grown more than 37x since 2000. Today it's worth close to US$600 billion a year.
    And yet, in 2026, it's still hard for a Latin American company to pay a supplier on the other side of the world.
    That's a big part of what we're building at @eldoradoio
    🇻🇪 Back in 2013 I was mining Bitcoin in Caracas. I was 19, endlessly curious, wanted to make money, and had zero sophisticated thesis about the future of money.
    Thirteen years later, we understand a whole lot better what this tech is actually good for.
    El Dorado started out helping people move money across borders. Today we're in 12 markets, and we're bringing that same infrastructure to companies, importers and treasury teams that need to operate globally.
    What started with Bitcoin turned into something much bigger: using stablecoins to make money move at the speed of trade.
    Look around you and you'll probably spot something made in China. Behind that product was a Latin American importer who had to get dollars, pay a supplier, move money across borders, and deal with a financial system that still has way too much friction.
    We want to make all of that simple.
    Our ambition is for El Dorado to become the international payments infrastructure for Latin American companies and to help speed up our region's trade with the rest of the world.
    We raised a Series A led by @paradigm, we're part of @EndeavorArg's ScaleUp program, and we've got an incredible team building from Latin America.
    But it feels like we're only just starting to show what we're capable of.
    🙌 Thanks to Forbes for telling our story. And thanks to the whole team, our investors and our customers who've had our backs since day one.
    Straight outta LATAM. On to the next 🌎
    • 4 replies
    • 3 reposts
    • 21 likes
    • 1.4K views
  4. El Dorado Card logo
    El Dorado
    🇨🇳 El comercio entre China y América Latina se multiplicó más de 37x desde el año 2000. Hoy mueve cerca de US$600 mil millones al año.
    Y, sin embargo, en 2026 todavía es difícil para una empresa latinoamericana pagarle a un proveedor del otro lado del mundo.
    Ahí está una gran parte de lo que queremos construir en @eldoradoio
    🇻🇪 En 2013 estaba minando Bitcoin en Caracas. Tenía 19 años, mucha curiosidad, ganas de hacer plata y ninguna tesis sofisticada sobre el futuro del dinero.
    Trece años después, entendemos mucho mejor para qué sirve esta tecnología.
    El Dorado nació ayudando a personas a mover dinero entre países. Hoy estamos en 12 mercados y estamos llevando esa misma infraestructura a empresas, importadores y tesorerías que necesitan operar globalmente.
    Lo que empezó con Bitcoin evolucionó hacia algo mucho más grande: usar stablecoins para hacer que el dinero se mueva a la velocidad del comercio.
    Mirá a tu alrededor y probablemente encuentres algo fabricado en China. Detrás de ese producto hubo un importador latinoamericano que tuvo que conseguir dólares, pagar a un proveedor, mover dinero entre países y navegar un sistema financiero que todavía tiene demasiada fricción.
    Queremos simplificar todo eso.
    Nuestra ambición es que El Dorado se convierta en la infraestructura de pagos internacionales para las empresas latinoamericanas y ayude a acelerar el comercio de nuestra región con el mundo.
    Levantamos una Serie A liderada por @paradigm , somos parte de ScaleUp de @EndeavorArg y contamos con un equipo increíble construyendo desde Latinoamérica.
    Pero siento que apenas estamos empezando a demostrar de lo que somos capaces.
    🙌 Gracias a Forbes por contar nuestra historia. Y gracias a todo el equipo, inversores y clientes que nos bancan desde el día uno.
    Straight outta LATAM. Vamos por más 🌎
    • 7 replies
    • 9 reposts
    • 62 likes
    • 3.9K views
  5. El Dorado Card logo
    El Dorado
    La startup fundada por el venezolano Guillermo Goncalvez acelera su expansión. Con presencia en 12 países, lanza cuentas en EE.UU. para freelancers y un producto B2B sobre Tempo orientado al comercio transfronterizo.
    🔗 Leé más en la nota de @laumafud en nuestra web: https://www.forbesargentina.com/negocios/la-fintech-dorado-seleccionada-scaleup-endeavor-suma-us-9-millones-crecer-america-latina-n97913
    📸 Gentileza El Dorado
    • 1 replies
    • 4 reposts
    • 13 likes
    • 9.3K views
  6. El Dorado Card logo
    El Dorado
    Three months ago we launched El Dorado Business.
    200+ businesses who operate across the globe now send payments to 150+ countries from one account.
    The Multisig account for Internet Businesses.
    Built on @tempo
    1 more in this thread
    Straight Outta LATAM.
    https://eldorado.io/business
    • 2 replies
    • 5 reposts
    • 10 likes
    • 1.1K views
  7. El Dorado Card logo
    El Dorado
    Esto es un mes de trabajo de gente que vive en países distintos y construye, con emoción y propósito, para la región donde nació.
    Redes nuevas, canales de donación, el primer meetup de Business en Bolivia, tres conferencias, Endeavor.
    Latinoamérica la está sacando de la liga.
    Straight outta LATAM y directo al resto del mundo 🌎
    • 1 replies
    • 5 reposts
    • 17 likes
    • 1.4K views
  8. El Dorado Card logo
    El Dorado
    El Dorado Business: The account built for how internet businesses actually operate
    1 more in this thread
    Talk to sales: 
    → https://eldorado.io/business
    → https://eldorado.io/business
    → https://eldorado.io/business
    https://eldorado.io/business
    • 1 replies
    • 5 reposts
    • 10 likes
    • 785 views
  9. El Dorado Card logo
    El Dorado
    Straight Outta LATAM: this week across the network.
    @runwayml GPT-Image 2.5 is now on Runway.
    https://x.com/runwayml/status/2097814431912574991?s=20
    @tohkn_ tokenized stocks, bonds, and funds, with digital infrastructure and clear rules for building wealth from anywhere in Latin America.
    https://lnkd.in/p/eRyawiHc
    @trybitsave took part in the Volcán Startup Avenue Competition.
    https://x.com/trybitsave/status/2097056594119028797?s=20
    @KawiServices became the first private financial advisory and management firm to operate in Cuba since the triumph of the Revolution. 
    https://kawiservices.com/blog/kawi-web3-cuba
    @eldoradoio featured in Forbes: in Santa Cruz, Bolivia, importers ask a crypto startup to wire six figures to China because the bank down the street can't sell them dollars.
    • 2 replies
    • 6 reposts
    • 16 likes
    • 1K views
  10. El Dorado Card logo
    El Dorado
    Una cosa que me obligó a revisar cómo pensamos el producto en @eldoradoio: Construir para la región es aceptar que acá las categorías son otras.
    Por ejemplo: En Bolivia, buena parte de las importaciones desde China no las hace una sociedad anónima con departamento de comercio exterior. Las hace una persona natural, con su cédula.
    Compra x cantidad de artículos. Todos los meses. Mueve montos que cualquier banco consideraría corporativos pero, en el papel, es un individuo.
    Eso rompe la categoría porque no es exactamente B2C ni exactamente B2B. Por eso, ningún producto diseñado sin considerar las reglas del juego local termina encajando acá.
    A partir de esa ruptura apareció El Dorado Empresas y cada día que pasa nos preocupamos por seguir estudiando y entendiendo:
    1. qué es lo que funciona y
    2. qué necesitamos todos los latinoamericanos para mover nuestro dinero, más y mejor.
    • 3 replies
    • 5 reposts
    • 41 likes
    • 1.8K views
  11. El Dorado Card logo
    El Dorado
    If you want to build a smarter internet business, use El Dorado Business.
    • 3 reposts
    • 4 likes
    • 850 views
  12. El Dorado Card logo
    El Dorado
    Felicidades al team de @stablecoing @eldoradoio adaptarse a lo que los Bolivianos pedían, soluciones empresariales y de pagos internacionales formales con Stablecoins.
    En Bolivia ahora hablamos no solo de adopción retail sino de adopción empresarial e institucional,,💪
    • 1 replies
    • 1 reposts
    • 7 likes
    • 309 views
  13. El Dorado Card logo
    El Dorado
    Bolivians can't buy dollars. El Dorado Business is changing that.
    @Forbes sat down with our CEO @stablecoing to find out why.
    The multisig account for internet businesses operating globally.
    📰 Full article: https://www.forbes.com/sites/boazsobrado/2026/09/08/bolivians-cant-buy-dollars-this-neobank-sells-them-swift-transfers/
    • 1 replies
    • 6 reposts
    • 12 likes
    • 1.5K views
  14. El Dorado Card logo
    El Dorado
    Los bolivianos no pueden comprar dólares y @Forbes lo puso en palabras, a través de una nota que relata en detalle este proyecto que venimos construyendo desde hace meses.
    China es el principal socio comercial de casi todos los países de Latinoamérica. Y hasta hace poco, un importador boliviano necesitaba cuatro plataformas para pagarle: un P2P, una mesa OTC, una cuenta en Panamá y por fin el SWIFT. Nada de esto a nombre de su empresa.
    Hoy es un solo paso, desde El Dorado Empresas. Con nuestra oficina en Santa Cruz para el que prefiera hacerlo en persona.
    Una puerta menos entre Latinoamérica y el mundo ha sido creada, por nosotros para nosotros.
    Gracias @Forbes y @sobradob por dedicarle un artículo a lo que estamos haciendo en Bolivia y a nuestra visión para la región.
    La nota completa abajo 👇
    • 2 replies
    • 6 reposts
    • 32 likes
    • 3.7K views
  15. El Dorado Card logo
    El Dorado
    Faltan 24hs para Twin Meets X @DAMM_Capital 👀
    Si todavía no viste el episodio anterior con @eldoradoio , te dejamos este short de @stablecoing para que te pongas al día:
    https://www.youtube.com/shorts/JoRp9tTBHCU
    • 1 replies
    • 2 reposts
    • 11 likes
    • 583 views
  16. El Dorado Card logo
    El Dorado
    One login for the whole company means one person can move money without approval.
    El Dorado Business: Every team, every country. Their own account, cards, and limits.
    1 more in this thread
    Multi-account, Multi-team
    → https://eldorado.io/business
    https://eldorado.io/business
    • 1 replies
    • 5 reposts
    • 10 likes
    • 806 views

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