MiniPay crypto card on Celo: cashback and fees

MiniPay Card Overview

MiniPay Card Key features

• Digital Visa card

  Eligible users can activate a digital Visa debit card inside MiniPay and pay online or in person at more than 175 million Visa merchants worldwide. Card availability is limited to selected markets.

• Mobile wallet payments

  You can add the card to Apple Pay or Google Pay for contactless payments. Merchants receive local currency and do not need to accept crypto.

• Direct stablecoin spending

  You can spend USDT, USDC or mUSD held in MiniPay on Celo. You pay directly from your wallet at checkout, without a separate prepaid card balance.

• Self custody

  You control your wallet keys and keep funds in your self custodial MiniPay wallet until payment. You remain responsible for device security and wallet recovery.

• Up to 5% cashback

  You can earn promotional cashback of up to 5% on qualifying purchases, paid into your wallet in Tether Gold (XAUt0) or supported stablecoins, depending on the market. Excluded purchase categories apply, with a $100 monthly cap from late September 2026.

• No recurring fees

  MiniPay charges no activation fee and no monthly or annual card fee. Other costs can apply, including ATM fees and third party funding charges.

• Visa rate conversion

  MiniPay states that it adds no FX markup to card spending, with conversion at Visa rates. Gnosis Pay mentions a nominal FX fee, but the supplied data does not state the amount, so check your market's fee schedule.

• Instant card freeze

  You can freeze and unfreeze the card inside the MiniPay app. Freeze it if you suspect someone has gained access.

• Flexible wallet funding

  You can fund MiniPay through local payment methods in more than 60 countries or send crypto from supported external networks. MiniPay states that it charges no deposit fee for supported crypto deposits, but third party providers may charge fees or spreads.

MiniPay Card Fees

• Card fees Users pay no activation fee and no monthly or annual card fee.
• Currency conversion MiniPay charges no FX markup on card spend, but Gnosis Pay mentions a nominal FX fee alongside Visa rates without publishing the amount in the supplied data.
• ATM withdrawals Users pay an ATM withdrawal fee, but the amount is not published in the supplied data.
• Deposits and withdrawals MiniPay charges no fee for crypto deposits or deposits and withdrawals through selected partners, though third parties may apply spreads or charges by country and method.
• Wallet transfer fees Users pay Celo network fees, typically around $0.001 per wallet transfer.

MiniPay Card Supported networks

• Celo
• Ethereum
• Solana

How to use MiniPay Card

1. 1

   Create your wallet

   Download MiniPay from the App Store or Google Play, or open it inside Opera Mini where available. Sign up with your phone number, complete phone verification and link a Google or Apple account for recovery.

2. 2

   Verify your identity

   Complete the identity checks required by the card program in your country. Check card eligibility in the app, since access is limited to selected markets.

3. 3

   Fund your wallet

   Add local currency through a supported partner or send stablecoins from another wallet. Check the fees for your chosen method before you deposit, since partners may charge fees or apply spreads.

4. 4

   Activate your card

   Once you have a wallet balance, open the card section in MiniPay and activate the virtual Visa card if you are eligible. MiniPay charges no activation fee.

5. 5

   Set up contactless payments

   Add the card to Apple Pay or Google Pay if you want to pay in person with a tap. Skip this step if you only plan to pay online.

6. 6

   Make your first payment

   Use the virtual card at an online Visa checkout, or tap with Apple Pay or Google Pay at a shop that accepts Visa. You spend directly from your self custodial wallet balance at checkout, and the merchant receives local currency.

MiniPay Card Demo video

MiniPay Card Screenshots

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MiniPay Card User Reviews

• 

  @diego_defi Sep 4, 2026

  Para los futuros huérfanos OG de @gnosispay con tarjeta nominada en dólares, la solución es la tarjeta de @minipay.
  
  Asi que vamos con la info:
  Marca: Visa
  Tipo: Virtual (Apple Pay / Google Pay)
  Emisor: Monavate (UK, Lithuania)
  Program Manager: Gnosis Pay
  KYC: Si
  Red: @Celo
  Carga: USDT desde Celo, 1 USDT = 1 dólar, gracias a una integración con @daimo_com se puede enviar USDC/USDT de distintas redes que se transforman 1 a 1 en USDT en Celo.
  Retiro: USDT a Celo, acá envían a un CEX o pueden usar por ejemplo @near_intents.
  Fx Fee (por pago en moneda distinta al dólar): 0%
  Cashback: 5% en xAUT de @tethergold (se paga entre los 30 y 60 días después de la compra).
  
  La aplicación:
  Login: con cuenta de iCloud o Google (pierden la cuenta pierden la recuperación).
  Depósitos/Retiros Fiat: se pueden hacer en varias monedas locales completando KYC.
  UI: acá a mi forma de ver es un poco tosca, no esperen la súper UI porque no la van a encontrar, pero bueno todo no se puede jajaja.
  Mini Apps: un conjunto de diferentes aplicaciones (juegos, social, etc), por ejemplo allí hay una que permite cambiar xAUT por USDT y viceversa.
  
  Principal problema hoy: se accede con código de invitación 🫠 (esperemos que Minipay la libera para todos pronto)
  
  Les dejo unas imagenes de una compra que hice hoy para corroborar el Fx Fee 0%

  View on X ↗
• 

  @ArtuGrande Sep 1, 2026

  The @MiniPay Card 🇦🇷 is great for paying international services.
  
  As it's not Argentina-issued, payments may help reduce local taxes + you get 5% cashback in digital gold.
  
  Paid my $20 @Vercel subscription today and got $1 back.
  
  Pretty cool, right? 👀

  View on X ↗
• 

  @0xmystical Sep 4, 2026

  Minipay card is a life saver,and it works well because it was powered by celo

  View on X ↗

MiniPay Card Review

MiniPay funding

• CELO grants - date not stated The Celo community approved multi year CELO grants to Opera for MiniPay growth, with proposals totaling several million dollars in CELO value across quarterly installments; the raw data gives no exact amount or named lead investors.

MiniPay Card Updates

1. 

   MiniPay Sep 19, 2026 · 18:00
   Over 10K @MiniPay users have already met Salu, their virtual language tutor, since the Mini App went live this week!
   @hisaluto is bringing fun English lessons & USD₮ rewards to your fingertips 📲
   Have some free time this weekend to sharpen your skills?
   https://bit.ly/Saluto_in_MiniPay
   • 6 replies
   • 12 reposts
   • 80 likes
   • 12.3K views
2. 

   MiniPay Sep 18, 2026 · 13:00
   Millions of users means millions of stories from around the globe. 🌍
   The first payment that was received instantly. The time when being able to send money home kept families connected across continents. The first moment MiniPay made global money a little easier.
   Here are some of the moments you’ve shared with us. 💚

   1 more in this thread

   And we’re still collecting. Share your story with us: https://docs.google.com/forms/d/e/1FAIpQLSfEwIr4lrvXUbg_CiYzVJFofODzs4JnDLAasFJY9JFt5viRkw/viewform?usp=dialog
   • 23 replies
   • 7 reposts
   • 77 likes
   • 6.6K views
3. 

   MiniPay Sep 17, 2026 · 13:43
   Numbers tell us how far we’ve come. But behind every number is a real person. A real life. And connections made possible when money can move as fast as it needs to.
   Three years of MiniPay and millions of users later💚
   Take a look back at the MiniPay journey inside the app.
   https://link.minipay.xyz/miniapp?id=11146f3b-ade2-4e38-bb89-8f1a59a8f04f
   • 19 replies
   • 9 reposts
   • 59 likes
   • 4.1K views
4. 

   MiniPay Sep 17, 2026 · 01:57
   @hisaluto es mi primer app 100% desarrollada con IA en pasar los 5.000 usuarios en un día gracias a ser listada como miniapp en @minipay (+19 millones de wallet activas) 🤯
   distribution is everything @Celo @CeloDevs

   
   • 2 replies
   • 4 reposts
   • 21 likes
   • 2.9K views
5. 

   MiniPay Sep 16, 2026 · 13:00
   A wallet address is 42 characters long. Nobody in the history of ever has ever memorized one, nor does anyone want to.
   A phone number is the one string of digits everyone already knows for people they care about.
   So we made the phone number the address. Everything since has been built on it.

   
   • 26 replies
   • 13 reposts
   • 108 likes
   • 7.2K views
6. 

   MiniPay Sep 15, 2026 · 12:00
   Three years ago this week, we put a stablecoin wallet inside a browser that was already on hundreds of millions of phones.
   No download. No seed phrase. No "connect wallet."
   Sending dollars became as simple as sending a text.

   

   1 more in this thread

   All September: up to 20% back on airtime and data, cashback on gold, gift cards and CELO, free AI tracks, and prizes you can only win this month across Mini Apps in MiniPay.
   Tap, open, claim. Ends 30 September. https://opr.as/e60q
   More all week.
   • 33 replies
   • 17 reposts
   • 165 likes
   • 19.1K views
7. 

   MiniPay Sep 13, 2026 · 14:32
   3 years, millions of journeys. Today we're celebrating 3 years of MiniPay and, most importantly, the people around the world who have made these years what they are.
   Here's to everything we've built together and everything still to come ✈️💚
   • 114 replies
   • 32 reposts
   • 217 likes
   • 37.3K views
8. 

   MiniPay Sep 10, 2026 · 16:06
   Ever knew exactly what you wanted to say in your language, just couldn't find the words to say it in English?
   Something new is coming to @MiniPay soon. Follow to be the first to know when it drops 🧡

   
   • 2 replies
   • 4 reposts
   • 14 likes
   • 1.7K views
9. 

   MiniPay Sep 4, 2026 · 13:00
   The hardest part of using your @MiniPay Card at the market?
   Picking out your produce 🍇🍌🥭
   The rest is easy. Pay with stablecoins at 175M+ merchants & earn 5% cashback using the card built by @Opera with @Visa & @GnosisPay, only on Celo: https://minipay.to
   • 10 replies
   • 14 reposts
   • 95 likes
   • 10.1K views
10. 

    MiniPay Sep 4, 2026 · 10:32
    If you've been using the Gnosis Pay webapp and hold USD stablecoins, MiniPay is your next stop: spend your balance directly, no swaps, no hidden spreads, and a card that just works.
    To all OG Gnosis Pay users: you have a home here.
    • 44 replies
    • 5 reposts
    • 75 likes
    • 13.4K views
11. 

    MiniPay Sep 4, 2026 · 07:33
    One effect of growing up as infrastructure is that you become invisible.
    I loved interacting with Gnosis Pay users directly! Now they get served through wallets like @getrebind and enterprises like @MiniPay.
    Happy to set the infra off right. But I'll miss the OG users. 🫶
    • 4 replies
    • 3 reposts
    • 33 likes
    • 1.9K views
12. 

    MiniPay Sep 1, 2026 · 14:54
    The @MiniPay Card 🇦🇷 is great for paying international services.
    As it’s not Argentina-issued, payments may help reduce local taxes + you get 5% cashback in digital gold.
    Paid my $20 @Vercel subscription today and got $1 back.
    Pretty cool, right? 👀

    
    • 7 replies
    • 2 reposts
    • 18 likes
    • 1.9K views
13. 

    MiniPay Sep 1, 2026 · 14:01
    Great news for MiniPay users in Brazil!
    MiniPay has partnered with @getTransFi to bring you 100% free BRL deposits and withdrawals via PIX. Whether you're sending money abroad or cashing out, every real stays yours.
    Live now on MiniPay.

    
    • 39 replies
    • 12 reposts
    • 84 likes
    • 10.6K views
14. 

    MiniPay Aug 24, 2026 · 11:21
    Great news! We’re giving out MiniPay Card codes to random users all week long on X.
    Want one? Reply to this tweet and tell us what you’ll use your MiniPay Card for! 👇

    
    • 504 replies
    • 87 reposts
    • 374 likes
    • 43.5K views
15. 

    MiniPay Aug 21, 2026 · 09:52
    Send dollars in a MiniPay Cash Link
    With MiniPay Cash Links you can:
    • Send real cash to anyone, anywhere (no address required)
    • Share anywhere
    • Revert anytime
    Copy. Share. Done.

    
    • 24 replies
    • 9 reposts
    • 87 likes
    • 13.6K views
16. 

    MiniPay Aug 20, 2026 · 13:45
    Bring your crypto in — from any chain, any wallet.
    Spend instantly, anywhere Visa is accepted.
    Earn real cashback in digital dollars and gold.

    
    • 28 replies
    • 7 reposts
    • 97 likes
    • 11.3K views
17. 

    MiniPay Aug 18, 2026 · 10:57
    Sikadesk is LIVE on @minipay
    Buy, sell & spend stablecoins like a boss.
    Users are categorized into two:
    • Business Accounts (OTC): Buy & sell large volumes of stablecoins via Bank & MoMo.
    • Personal Accounts (Everyday Users): Buy, sell & send instant MoMo payments directly from your MiniPay balance.
    📲 Open Minipay → MiniApps → Sikadesk
    We’re in beta and would love your feedback as we build.
    Learn more: https://sikadesk.com⁠

    
    • 11 replies
    • 11 reposts
    • 34 likes
    • 1.3K views
18. 

    MiniPay Aug 6, 2026 · 14:02
    All your favourite magazines, in one place.
    Discover Mobizines, the new Mini App where you can explore over 1,000 of the world's most-read magazine titles across a wide range of interests.
    📚Read anywhere without leaving your wallet
    📖Access current and past editions
    Whether you're into business, sports, travel, fashion, food, or technology, there's always something new to discover.
    Available to specific markets only.
    Start reading today!
    • 40 replies
    • 7 reposts
    • 83 likes
    • 21.1K views

MiniPay Card Reviews & Comments

No reviews yet. Be the first to share your experience.

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