Sovrae Card
Spend USDT or USDC at Visa or Mastercard merchants with a virtual or physical Sovrae Card.
Sovrae crypto card: USDT and USDC virtual card fees
What is Sovrae Card?
Sovrae Card is a crypto debit card for spending USDT and USDC, with an $89 virtual card or $249 physical card, plus top-up and transaction fees.
Ready to try Sovrae Card?
Open the official site and get started in a few clicks.
Sovrae Card Overview
Sovrae Card is a crypto debit card for people who hold USDT or USDC and want to spend without an extra bank transfer. You can order a virtual Mastercard or physical Visa through its browser app, then pay online or in stores with Apple Pay or Google Pay. Physical cardholders can also withdraw cash at ATMs.
To fund the card, send stablecoins to your permanent deposit address on a supported network. After confirmation, you can spend the card balance. Sovrae says issuing partners hold card funds, rather than Sovrae itself. The main draw is the published $1 million monthly spending limit, with a $20,000 limit per transaction. Sovrae advertises email-only virtual card registration; physical cards usually require a passport photo and selfie.
The virtual card costs $89 upfront, with a 2% top-up fee and a 1.5% fee plus $0.25 per purchase. The physical card costs $249 upfront, with a 1.5% top-up fee and a 1.5% fee plus $0.10 per purchase. Neither has a monthly maintenance fee. Non-USD purchases incur a 1.5% foreign exchange fee, and physical card ATM withdrawals cost 2%. Cashback details are not published.
Sovrae suits stablecoin holders who need high spending limits more than low fees. For occasional purchases, the upfront cost is hard to defend, and you pay fees both when you load and when you spend. Check current country and merchant restrictions before ordering. Sovrae blocks some everyday uses, including petrol purchases.
Sovrae Card Key features
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USDT and USDC
You fund each card by sending USDT or USDC to a permanent deposit address, with balances usually updated within minutes after chain confirmation. Sovrae charges 2% per virtual card top up or 1.5% per physical card top up.
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Instant virtual card
You can get a virtual Mastercard after email signup and payment, without uploading a passport. You pay $89 once for a card with three years of validity.
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Physical Visa card
You pay $249 once for a physical Visa with four years of validity. You usually need a passport photo and a selfie holding the document, but no live video call.
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Mobile wallet payments
You can add either card type to Apple Pay or Google Pay. Use your phone to pay in stores where merchants accept these payment methods.
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High spending limits
Published spending caps are $1,000,000 per month and $250,000 per day. You can spend up to $20,000 per transaction.
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Physical card withdrawals
You can withdraw cash at ATMs with the physical card for a 2% fee. Cash withdrawal limits are $1,500 per day and $15,000 per month.
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No monthly fee
Sovrae charges no monthly maintenance fee. You still pay for card issuance and use.
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Card purchase fees
Sovrae charges 1.5% plus $0.25 per virtual card purchase. With the physical card, you pay 1.5% plus $0.10 per purchase.
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Foreign currency payments
You can pay merchants that accept your card's Visa or Mastercard network, subject to country and merchant restrictions. You pay a 1.5% foreign exchange fee when the merchant currency is not USD.
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Sponsored network gas
Sovrae says it pays the gas for card purchases and top ups on Ethereum and BNB Smart Chain, so you do not need ETH or BNB for those transactions. You still pay normal TRC20 network costs on Tron, and card top up fees remain separate.
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Automatic card loads
You can use auto top up to move stablecoins that arrive in your in-app wallet onto your card without a second manual step.
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Wallet and swaps
You can receive other coins in the app's non-custodial wallet and swap them to USDT or USDC. You must use those stablecoins to buy or load a card.
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Issuer-held card balances
Sovrae says its issuing partners hold card deposits in segregated accounts rather than Sovrae holding them itself. Your loaded card balance remains with an issuer, so the non-custodial wallet does not make card funds self-custodied.
Sovrae Card Fees
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Issuance fee You pay $89 once for virtual or $249 once for physical; the stainless steel option costs $499 once, and physical issuance without a document check costs about $100 extra.
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Top-up fee You pay 2% to top up a virtual card or 1.5% to top up a physical card.
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Card spending fees You pay 1.5% plus $0.25 per virtual card transaction or 1.5% plus $0.10 per physical card transaction, with no monthly maintenance fee.
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Foreign exchange fee You pay 1.5% when the merchant currency is not USD.
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ATM withdrawals You pay 2% for ATM withdrawals, which you can make only with a physical card.
Sovrae Card Supported networks
BNB Chain
Ethereum
Tron
How to use Sovrae Card
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Create your account
Open app.sovrae.io in your browser and sign up with your email address. Confirm your email.
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Choose your card
Check the current fees and restricted country list in the app before you pay. Choose a virtual card ($89) or physical card ($249), then pay the issuance fee in USDT or USDC.
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Complete any identity check
For a virtual card, continue without a passport upload. For a physical card, upload a passport photo and a selfie holding the document if required, or select the no-document option if available for about $100 extra.
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Fund your card
Open the card screen and copy the permanent deposit address for your chosen supported network. Send USDT or USDC to that address on the same network.
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Check your balance
Wait for confirmation on the network, then check your spendable card balance in the dashboard. Allow for the top-up fee: 2% for virtual cards or 1.5% for physical cards.
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Make your first payment
Use your card details at an online merchant that accepts your card's Visa or Mastercard network and falls outside the blocked merchant categories. To pay in a store with your phone, add the card to Apple Pay or Google Pay and tap at checkout.
Sovrae Card Demo video
Sovrae Card Screenshots
Sovrae Card User Reviews
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About @sovrae_io
View on X ↗
It's a no-KYC crypto card that lets you spend your usdt and usdc easily.
They offer two options:
📱 Virtual - $89
• Up to 3 years validity
• Apple Pay + Google Pay
• 2% top-up fee
💳 Physical - $249
• Up to 4 years validity
• 1.5% top-up fee
• ATM withdrawals
• Worldwide shipping
I use the virtual one because it's really convenient for everyday spending: just add it to your phone and pay with it. -
Ya me ha llegado la tarjeta física de Sovrae 💳
View on X ↗
Muy fina, sencilla y bonita
Cómo bien viene en el packaging:
· Depósitos instantaneos
· Privacidad
· Sin KYC
· Limites de gasto altos
· Funciona en +180 países
· Hasta 5 tarjetas por usuario
Para activar la tarjeta, puedes escanear el código QR que viene por detrás de la caja y te llevará a la dApp -
Por cierto, la tarjeta que uso es la de Sovrae, así puedo gastar los profits en cripto sin necesidad de hacer KYC
View on X ↗
Actualmente, para mi, es la mejor opción que hay en el mercado
Sovrae Card Review
Pros
- Sovrae charges no monthly maintenance fee.
- You can get a virtual card with an email address and no passport upload.
- You can spend up to $20,000 per transaction and $1,000,000 per month under the published limits.
- You can load USDT or USDC directly without a bank transfer.
- You can use either card with Apple Pay or Google Pay.
- Sovrae pays the gas for card purchases and top-ups on Ethereum and BNB Smart Chain.
- With the physical card, you can withdraw up to $1,500 a day at ATMs.
Cons
- You pay $89 to issue a virtual card or $249 for a physical card.
- You pay 2% to load the virtual card or 1.5% to load the physical card.
- Each purchase costs 1.5% plus $0.25 on virtual cards or $0.10 on physical cards.
- You pay another 1.5% when you spend in a currency other than USD.
- Issuing partners hold your card balance, so you still face issuer risk.
- You cannot use the card for petrol or betting payments.
- You must swap coins other than USDT or USDC before you load the card.
- Sovrae lists no cashback rate in the supplied details.
Our verdict
I'd skip Sovrae Card unless I needed high-limit stablecoin payments. For virtual, you pay $89 upfront and 2% per load. You pay 1.5% plus $0.25 per purchase, plus 1.5% for non-USD purchases. I lack published spread or cashback rates; Sovrae says partners hold card balances. I'd reconsider if Sovrae cut fees and published the spread.
Is Sovrae Card safe & legit?
Sovrae's listed operator is DMUT PTE LTD in Singapore; we couldn't find named founders or backers. Sovrae says unnamed issuers in Hong Kong and Singapore hold card balances in segregated accounts, so the card balance is custodial despite its separate self-custody wallet. I would treat its safety and legitimacy as unproven: the short track record and unnamed issuers warrant caution, and users face issuer failure or card freezes.
X account intel @sovrae_io
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Based in Europe
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Joined X January 2026 10 months ago
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Username changes 2 renames last on Mar 18, 2026
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Signup source Europe App Store
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 www.sovrae.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
Sovrae Card Updates
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How much do you actually think about financial privacy day to day? Honest answers. 👇1 more in this thread
We made privacy the default: your own wallet, your spending stays yours. Join to our community: https://t.me/sovrae_io- 1 replies
- 5 likes
- 290 views
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Your money, in your pocket, in their currency. 🌍
Where would you use it?
1 more in this thread
Virtual in minutes, physical to your door. Both in Apple & Google Pay. https://sovrae.io/x- 1 replies
- 6 likes
- 353 views
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Freedom isn't one big moment. It's a hundred small choices nobody gets to question.
1 more in this thread
Little things, like spending your own crypto without clearing it with anyone. https://sovrae.io/x- 1 replies
- 3 likes
- 297 views
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Little things, like spending your own crypto without clearing it with anyone. That's the card. 👇 https://sovrae.io/x
- 35 views
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Your spending is your business. Full stop.
1 more in this thread
That's the whole idea: your own wallet, your keys, your business. Our community: https://t.me/sovrae_io- 1 replies
- 1 reposts
- 5 likes
- 408 views
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Freedom is spending on your own terms. 🐍
1 more in this thread
Your money, your pace, your call. https://sovrae.io/x- 1 replies
- 5 likes
- 272 views
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Your money should go wherever you go. Where's the next place you want it to work? 🌍
1 more in this thread
Tops up with USDT or USDC, pays in the local currency, lives in your phone.
The virtual's ready in minutes. 👇 https://sovrae.io/x- 1 replies
- 6 likes
- 350 views
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Tops up with USDT or USDC, pays in the local currency, lives in your phone.
The virtual's ready in minutes. 👇 https://sovrae.io/x1 more in this thread
Tops up with USDT or USDC, pays in the local currency, lives in your phone. The virtual's ready in minutes.👇 https://sovrae.io/x- 60 views
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Owning yourself starts with owning your money. 🐍
What would 'free' look like for you?
1 more in this thread
Spend on your own terms, at your own pace. 👇
https://sovrae.io/x- 2 replies
- 10 likes
- 310 views
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We don't ask you to hand over 99% of your assets to hold.
You keep them in your own wallet and load only what you spend.
Can't lose in a hack what you never stored.💛- 1 replies
- 6 likes
- 339 views
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Be honest...👇
Which app is the first one you open when you wake up?👀
2 more in this thread
Sovrae → X → Telegram, in that order every morning 😂 drop yours 👇Want to learn more about SOVRAE?🐍💛
Join our Telegram community for direct support, product updates, and feedback from Sovereigns who already use our cards:
https://t.me/sovrae_io- 2 replies
- 7 likes
- 436 views
Sovrae Card Reviews & Comments
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